Has your school provided a way for you to obtain your books and supplies by the seventh day of the term?


no so what now?


is there anyway I can pay the bookstore later and get what I need now?


You can look to see if your school offers a bookstore voucher or other means for students to receive their books and supplies through the school or its bookstore.


so how does the grant work that I can't buy my books yet?


Usually the school first applies your grant money toward your tuition, fees, and room and board. Money left over is paid to you directly for other education expenses like the books you need.


can you give me any help with online materials I need for a class?


Your school may have negotiated a deal with the publisher that will allow you online access at a fraction of the cost you would pay for a physical book.


when do they usually gives us the financial aid for books?


Your school must pay any money that is left over after your aid is applied to your tuition and fees to you directly within 14 days unless you authorize the school to keep the money to pay for future charges


I think someone is trying to scam me by e-mail by using you guys as a cover.  What should I do?


Are you sure the e-mail did not come from Social Security or one of our marketing firms?


yes, I am mostly sure


Okay, in that case don't respond to the email or click on any links contained in the email message . We recommend you report the incident by forwarding the suspicious email to the U.S. Computer Emergency Readiness Team US - CERT at phishing-report@us-cert.gov or go to   http://www.us-nocert.gov/nav/report_phishing.html .


and how do you guys protect my account so no one signs in and looks at my info?


When you sign in to your account ,you will complete two steps Enter your username and password, then you enter the security code we send by text message or email


Okay, I hope you guys really take care of our info, right?


One of our most important responsibilities is protecting your investment and personal information .Social Security takes this responsibility very seriously , and we have a robust cybersecurity program in place to help us succeed .


Is this all new with the signing in and code?


we are using a new identity verification process . that Requires you to sign in with a username and password for extra security


what other steps can I take to make sure no one uses you guys to try to scam me?


If an email includes a business name , telephone number , or website link , verify the legitimacy of these items by searching for the official number or website in a search engine .Do not respond to emails requesting personal information .Reputable businesses and public agencies will not ask you for personal information in an email .


what are some places I should look out for?


here are two that we know of; https://www.socialsecurity.gov.gmx.de/ and http://www.socialsecurity.gov.bx.co.rx/setup


I need to know how to apply for benefits.


You need to notify us as soon as possible after the death.  There are several ways to do so.


Do you need to report a death?


No, they already died.


What do I do if I can't get the website to work right?


Most of the time the funeral home reports it, but there is also a phone number you can call.


Are you reporting a death?


No, I'm just getting information.


Do you need to apply for benefits?


Not yet, but I will soon.


How do I go about getting customized plates?


The I LOVE NY Adventure Custom Plates viewable here [ 2 ] are available to individuals that hold a currently valid NYS Department of Environmental Conservation DEC issued Sporting License and/or a NYS Office of Parks , Recreation and Historic Preservation Parks issued Empire Passport .


ok thank you, what if I already have a safe boating certificate?


sure! no problem! You may request the icons be added to your DMV photo document in two ways ; online using the Online Sporting License System at the NYS website or by visiting a NYS Department of Motor Vehicles office and presenting the required proof


Did you check out the online sporting license system yet?


No I didnt yet, can I just go to the DMV?


If you wish you can


What is the first step to take to deal with this?


Sure happy to help. ou may choose to get your new DMV photo document with the icons immediately , for a fee of $ 12.50 $ 5.00 for non - driver ID holders , or wait for your next license renewal at no charge


How do I obtain them on a regular passenger car


There are many ways to do this, I will be glad to help you.   you may order them online at I LOVE NY Adventure Custom Plates Gallery


How much does that cost?


the fee is $ 30 at renewal


How Group Life Insurance for Veterans (VGLI) works


With Veterans Group Life Insurance VGLI , you may be able to keep your life insurance coverage after you leave the military for as long as you continue to pay the premiums .s   Find out if you qualify for VGLI and how to manage your coverage


Am I eligible for Veterans Group Life Insurance?


You may be able to get VGLI if you meet at least one of the requirements


Had part - time Servicemembers Group Life Insurance SGLI as a member of the National Guard or Reserves


not


Had SGLI while you were in the military and you re within 1 year and 120 days of being released from an active - duty period of 31 or more days


yes


Yes It is possible that you can obtain VGLI you meet at least one of the requirements


What life insurance benefits can I get with VGLI?


$ 10,000 to $ 400,000 in life insurance benefits , based on the amount of SGLI coverage you had when you left the military


When I leave the army, what should I do?


You can enroll through VGLI to get coverage up to the amount you had through SGLI. You can also increase your coverage by $ 25,000 every 5 years to $ 400,000 until you are 60 years old.


Can you tell me about CHAMPVA benefits please?


Of course. Are you the spouse or surviving spouse of or a child of a Veteran with disabilities or a Veteran who has died?


Yes. My husband was a veteran and passed away this February.


In that case you may be able to get health insurance through the Civilian Health and Medical Program of the Department of Veterans Affairs, CHAMPVA. Through this program, we cover the cost of some of your health care services and supplies.


What if I'm re-entitled to Medicare A? Do I qualify for CHAMPVA then?


Then you'll also need to enroll in Medicare Part B to be eligible for CHAMPVA.


Alright, that's good to know. Are there any other conditions I need to fulfill?


Yes. Are you the spouse or child of a Veteran who s been rated permanently and totally disabled for a service-connected disability by a VA regional benefit office?


Yes. You see, my husband stepped on a mine during a combat mission, which crippled him. He passed away a while later due to the injuries.


In that case you can get health care through CHAMPVA, but only if you don't qualify for TRICARE and you meet additional requirements.


That would be the case. Say, how long will I have to wait once I sent you all documents?


It'll take about 6 weeks after we get your package until you get your CHAMPVA ID card and related materials.


Do you have any more info about CHAMPVA?


Yes, you can get answers to frequently asked questions about CHAMPVA on our page.


what can happen to my info if I'm not careful?


Did you want to know how to reduce your risk of identity theft when applying for aid?


nope


Do you need to change your FSA ID password?


yes I do


You will need to log in to your account using your username and password. Then go to your account settings and you will be able to make changes to your account information.


What can someone do if they have my FSA ID info?


They can make changes to your account without your permission.


Can you also help me with these places that offer to help you with your student loans?


Do you need help identifying a potential Student Loan scam?


yes I was contacted by a place that doesn't seem legit


Borrowers have reported receiving phone calls, emails, letters, and/or texts offering them relief from their federal student loans. Usually, the so-called student loan debt relief companies offering these types of services don’t offer any relief at all.


What types of financial aid is available to students?


Financial aid is money such as grants, work-study, loans, and scholarships that help make college affordable.


What sources does financial aid come from for college?


Financial aid is available from federal, state, school, and private sources to help pay for college.


did you watch the Federal Student Aid video?


Yes, I watched the types of Federal Student Aid video.


I am glad that you got to check out the video to learn about federal grants, loans, and work-study jobs and how they help pay for your education.


Can I get aid from my state government?


yes, you could get aid from your state government.


What exactly is a grant to help pay for college?


A grant is a form of financial aid that does not have to be payed back unless you withdraw from school and owe a refund.


What types of federal grants are available?


There are Pell Grants, Federal Supplemental Educational Opportunity Grants, Teacher Education Assistance for College and Higher Education TEACH Grants, and Iraq and Arghanistan Service Grants available for college.


Do I need any special paperwork to apply?


Yes, depending on the type of benefit you are applying for.


Do you have all the documents you need?


Yes, I think so.  But I'm not sure.


That's okay, you need to apply now anyway.


What if you can't verify anything online?


That's fine, we can still help you get all the info you need.


What if I'm getting benefits from my husband?


We will help you! We will automatically change your monthly benefits as soon as we receive a report of his death.


Do I need to reapply?


You don't need to.  We will process that without a new application.


Can I talk to a live person on the phone?


Absolutely! Agents are available 7-7, Monday through Friday.


How can I report a death?


You can do it online.


who is the co-signer on a repayment plan?


The co-signer is the spouse of an applicant who initiated an Income-Driven Repayment Plan Request.


Did you want to know about your obligation to repay the loan?


yes


where do we sign in?


Co-sign Income - Driven Repayment IDR Plan Request


where do we get the number to sign in?


You can get it from the IDR applicant. An e-mail containing the Reference Number/Co-sign Code was sent to him or her. The IDR applicant can also access the Reference Number/Co-sign Code by logging in to StudentAid.gov and clicking on the appropriate link.


who should do the plan request when we log in?


The spouse of the applicant who initiated an Income-Driven Repayment Plan Request.


but I use their reference number since I don't have one, right?


Yes, the IDR applicant should have the Reference Number and Co-sign Code


can you give me information about the fraud and identity theft reports


want information on Financial Aid Fraud Report?


A company that charges for financial aid advice is not committing fraud unless it does not deliver on what it promises.


want more information on the subject?


contact the Federal Trade Commission and the Office of Consumer Financial Protection.


How to find out which legitimate companies the United States Department of Education works with?


well there are private companies, lenders, administrators and private collection agencies that work on behalf of ED


What errors can business communications contain?


they often contain spelling and grammatical errors.


If I have already shared my information with a student loan debt relief company what should I do?


Contact your federal loan servicer to revoke any third-party proxy or authorization authorization that your servicer has on file.


d


With VGLI Veterans Group Life Insurance, you may be able to maintain your life insurance coverage after leaving military service while continuing to pay premiums. sTi nue to pay the premiums


What are the requirements for group life insurance for veterans?


Did you have group life insurance from SGLI part-time service members as a member of the National Guard or Reserves?


No, I do not have


Did you have SGLI while in the military?


No, didn't I have SGLI while I was in the military?


Are you within 1 year and 120 days of retiring or being released from the Ready Reserves or the National Guard?


No, I am not within 1 year and 120 days of leaving


Are you within 1 year and 120 days of assignment to the Individual Reserve IRR Ready for a service branch?


no, I am not within 1 year and 120 days of the IRR assignment


Are you within 1 year and 120 days of being included on the TDR Temporary Disability Retirement List?


No, I am not within 1 year and 120 days of being included in the TDR Temporary Disability Retirement List.


based on your answers you can't get VGLI


What requirements must I meet to obtain VGLI?


You may be able to get VGLI if you meet at least one of the requested requirements


I need information about financial aid options available to me.


I can help you with that. Financial aid can help you pay for your college expenses.


Where can I find more information about how work-study jobs work?


This information can be found on our website.


What about scholarships?


Unlike financial aid, scholarships provide free money for college expenses. Scholarships are usually given to students based on their academic merits.


How do student loans work?


When a person takes out a student loan, they are borrowing money for college that will be need to be paid back later. Like other loans, student loans accrue interest over time.


How do I get financial aid?


Financial aid can come from a variety of sources including federal, state, and private sources. You can find more information about this on our website.


Have you viewed the Federal Student Aid Video?


Yes, I have.


Excellent. The video is a great way to learn about federal grants, loans, and work-study jobs.


What if I plan to continue working after taking benefits?


Even if you plan to continue working you may still be able to receive some benefits .


Is there a certain amount you can earn?


If you areunder full retirement age and you earn over a certain amount we will deduct the excess earnings from your benefits


What if I am full retiremet age?


If you plan to continue working delaying benefitsalso increases the maximum monthly survivors benefit you may receive .


What is the percent of benefit aft full reitrement?


your benefitwill be 130.67 percent of your full retirement age benefit


Is there a special enrollment period?


f you are age 65 or older and your medical insurance coverage is under a group health plan based on your  current employment


For my spouses employment also?


What is the premium I pay on my health insurance coverage?


Some beneficiaries with higher incomes will pay a highermonthly Part B premium


Hello, I need information about health care costs.


Of course. We're committed to providing free health care for conditions related to military service and for Veterans with catastrophic disabilities and disability ratings of at least 50 %, as well as for those who can't afford to pay for care.


I see. I'm a bit confused about the costs though. Can you help me understand the health care costs?


Gladly. Would you like to know if I can get free VA health care as a Veteran?


Yes, please.


You can get free VA health care for any illness or injury that we determine is related to your military service called "service connected".


Interesting. And which documents do I need to provide?


You'll need to provide your gross household income for the previous year. So if you re applying for health care in 2019, you'll need to provide your gross household income for 2018.


Does your wife, partner, or dependent child also contribute income to the household?


No. I'm the only one.


Does this mean I have to carry the costs of my medications?


Whether or not you'll need to pay copays and how much you'll pay depends on your disability rating, income level, military service record, and which of our 8 priority groups we assign you to when you enroll in VA health care.


Hello. I came here to learn about technology courses for veterans.


Do you want to gain computer experience to start or advance your career in the high-technology industry?


No, I just wanted to learn something new.


What requirements do I need to meet to qualify for the courses?


Are you currently NOT on active duty?


Yes, I'm not on active duty.


Do you qualify for VA education assistance under the GI Bill?


Yes, at least I think so.


Do you have at least one day of unexpired GI Bill entitlement?


Yes. Yes, I do.


Have you been accepted into a program by a VA-approved training provider?


No, I haven't.


I'm afraid you aren't eligible for VET TEC then. Sorry.


Hi, I am looking to take out a student loan and would like to know what a Mater Promissory Note is?


A Master Promissory Note (MPN) is a legal document in which you promise to repay your loan and any accrued interest and fees to the U.S. Department of Education. It also explains the terms and conditions of your loan.


I am looking to apply for a Direct Unsubsidized Loan, does this loan have the same MPN as a Direct PLUS Loan?


Both loans have MPNs but they are different, each one applying to a particular loan.


Were can I find a copy of the MPN for a Direct PLUS Loan?


You can download the PDF for the MPN for Direct PLUS Loans. This can be used for Direct PLUS Loans that are eligible for graduate/professional students.


As a graduate/professional student should I complete the MPN?


If you are applying for Direct Unsubsidized Loan or a Direct PLUS Loan you should complete the MPN. Are you applying for one of these loans?


No I am not applying at this stage.


When I am ready to apply what do I need to complete the application?


You will need a verified username and password and FSA ID. Then you will be able to complete the application.


I need help with how you stay eligible for financial aiid


Okay, you will have to continue to meet the basic eligibility criteria, make satisfactory academic progress, and fill out the FAFSA form every year to continue receiving federal student aid.


I need the fafsa form each year or just once?


Have you already filled out a FAFSA form?


no, I'm doing it soon


how do you make satisfactory academic progress to keep getting financial aid?


You have to make good grades and complete enough classes to keep moving toward successfully completing your degree.


Are you aware of the satisfactory academic progress policy for financial aid purposes for the school you will be attending?


I don't know what it is


I have to keep doing this and not just the first year when I apply?


Yes, you have to meet basic eligibility criteria throughout the time you are receiving aid


can you give me details of Foreign programs


Do you plan to study in a foreign school?


not


find out how you can use VA benefits to cover your tuition and fees


If that is my case, what can I do?


If you plan to study at a foreign school , [3] find out how you can use VA benefits to cover your tuition and fees


Can I attend any foreign school?


Use the GI Bill Comparison Tool to see what benefits you can get at the school you want to attend . Use the GI Bill Comparison Tool


tell me the questions i must answer


You re eligible for or already get VA educational assistance as a Veteran , service member , Reservist , or qualified dependent


No, you may be able to get the benefits if you do not meet the requirements


hey there. I am looking information of how to provide information on my disability.


have you filled a claim for disability compensation?


Yes, I have already filled the claim, but I have problems to send it.


Ok, I'll have to provide more information?


If we need any other information from you, you'll have one year period to provide any other additional information or evidence.


This extra information will help me to support my clain?


Not really. But you can upload evidence to support your initial disability claim.


What document do I need for this?


you need to search for a dbq to download by form name or by symptom.


And how much time I'll have to do this?


you'll have the rest of the year to provide any additional information.


And what can I do with aDBQ ?


This will help you to speed up your claim, because it ask you specific information we need to determine a disability rating for different medical conditions.


What origianl documents do I need to apply for a noncitizen adult social security card


You need to prove you immigration status


your need origianl documents prooving you U.S. immigration status


I have premission to work from the department of homeland security DHS


I have a foreign birth certificate


We consider other documents such as your passport or a document 9issued by DHS as evidence of your age


Do I need to be interviewed by social security


Anyone age 12 or older requesting an original social security number must be interviewed by social security


Can I get assigned a number if its for non work purposes?


Yes but you can not use it to work


I need a number for general assistance benefits


You must bring us a letter from the government agency for benefits and it must be on letterhead stationery and specifically identify you as the applicant


how Keep my Information Secure


Identity theft affects millions of people each year and can cause serious financial and identity - related problems .s   [73] Protect yourself by securing your personal information , taking the time to understand the threat of identity theft , and exercising caution


what steps can i take to help protect my personal information


Do not routinely carry your Social Security card


what are my rights


Help ensure you get the retirement benefits you should by reviewing the basics like how we determine your benefit amount and who else in your family might be eligible. Visit our Learn About Retirement Benefits page to make sure you know the basics of retirement benefits


I need more information


Create a my Social Security account to help you keep track of your records


How do I protect myself from fraud?


Social Security is diligently working at national , regional , and local levels to combat the fraud that undermines our mission to serve the American public .


How to report suspicious activity


you receive a suspicious call from someone claiming to be from Social Security


not


Hello, I'm having some troubles with stuff related to a escrow account and I would need some help.


No problem. An escrow account is a special type of account where you can have money for your transactions with the dmv.


Are you interested into change your escrow amount?


No, That's not what I'm looking for.


Do you know what happens if your account balance reaches zero  or negative, right?


Not really.


In case I change my address, how can I update it?


Your are about to change it or have already changed?


I have already change it.


In that case you need to notify the dmv revenue accounts.


Can I do that in the request of my monthly statement?


Yes, you can do this, specially if you don't have a letterhead.


Hello there. My name is Rachel and I am looking for information about Veterans housing assistance grants.


Of course. On our page you can find out how to apply for a housing grant as a Veteran or service member with a service-connected disability.


Would you like to know about other VA benefits and services?


Yes, please. I'm all ears.


You can find out how to file a claim for compensation for conditions related to your military service on our page.


That's great and all, but let me get back to my initial question. Can you support me somehow if I have a housing grant?


Yes, we can help you if you have a VA direct or VA-backed home loan or Specially Adapted Housing grant.


No disrespect, sir or ma'am, but I'd rather talk to another Veteran. They might have more experience and understand my point of view better. Can you please forward me to a Veteran or someone who currently serves?


Of course. You can connect with our caring, qualified Veterans Crisis Line responders for confidential help. Many of them are Veterans themselves. This service is private, free, and available 24/7.


I see. Does this apply to female Veterans as well?


Of course. If you are a female Veteran, just ask for the Women Veterans Program Manager or find the nearest VA medical center.


One more thing I've been meaning to ask: if a natural disaster occurs, what support can I expect?


Should a natural disaster occur, we can help you find out if your home was damaged by that natural disaster.


Other than that, I might have a damage in my joint that is related to my military service. Can I file a claim for compensation?


Of course. You can find out how to file a claim for compensation for conditions related to your military service on our page.


what will I need to get my social security card?


are you an American citizen?


If we don't have you in our system yet then you will have to provide proof of U.S. citizenship


I am an American citizen


We will need your U.S. birth certificate or a U.S. passport as proof of citizenship


Do you take any other documents?


For proof of citizenship we would need either a U.S birth certificate or a U.S. passport


We need proof of identity too, do you have a U.S. driver's license, State - issued non - driver identification card or a U.S. passport?


No passport, but my birth certificate and driver's license will do just fine right?


Yes, as long as the license is a U.S. drivers license or a State - issued non - driver identification card


What would happen if I didn't have a license or state ID?


We would ask for other current not expired documents that  show your name , identifying information date of birth or age and preferably a recent photograph.  such as you employee identification card or other similar documents


I have my insurance and wanted to notify you


Was your driver license suspended because of a lapse in automobile liability insurance coverage ?


no, but don't you need to know I have it


who are you checking with? Don't I have to tell you about my insurance first, what will you do after I send you proof of my insurance?


We will verify your coverage with your insurance company


what if I do it by phone?


Do you mean you want to provide proof by phone?


no, not send proof or anything but like give you my info that you can check on or maybe just go take the proof myself


Did you want to provide proof at a DMV office?


yeah, just go down and take my documents with me


You can't provide proof by phone or at a DMV office


how is the claim process for concession companies and carriers


complaint has been filed against you?


yes


a Consumer Services Rep from the DMV will contact you in an attempt to resolve this complaint . The CSR will explain the nature of the complaint and will also inform you of your rights , responsibilities , and your liability


such as the hearing result process.


the ALJ may sustain some , all , or none of the charges . There may be no action , a warning , the imposition of a suspension , revocation , and/or civil penalties


If the ALJ only imposes civil penalties?


you must pay all fines and penalties


what are my rights


You are entitled to hire an attorney and to bring that attorney to the hearing. The DMV is the petitioner is this case and the complainant may be a witness for the case .


If the ALJ only imposes civil penalties


in order to prevent the loss of your operating privilege ,  you must pay all fines and penalties .  You will receive a letter from the DMV shortly after the hearing


Hello, I have some questions about the direct plus loan application for parents. I came across it on your website.


Of course. Do you want to know what a Direct PLUS Loan Application for Parents is?


Yes, please.


This is a request for supplemental information in connection with your application for a Federal Direct PLUS Loan Direct PLUS Loan through the William D. Ford Federal Direct Loan Direct Loan Program.


Are you a parent borrower?


Yes, I am. Why?


Then the Direct PLUS Loan Application also allows you to do several other things.


That's all very interesting and all, but I have a whole other question. What if I have placed a security freeze on my credit file?


In that case you must lift or remove the freeze at each credit bureau before you continue. Your application will not be processed if you have a security freeze.


By the way, can the direct plus loan applications vary, depending on the school? I saw two and they looked different.


Yes. Some schools may have a different process for obtaining the additional information needed to process your Direct PLUS Loan application.


Alright. How do I apply for a plus loan now?


Simply log in to start your application.


How do i get started?


You Can Apply For Retirement Benefits Or Medicare


What If i have no birth certificate?


you may request one from the state where you were born


What information do I need?


You Need To Apply For Retirement Benefits Or Medicare - Form SSA-1  Information


which one do I need to apply to?


You Need To Apply For Retirement Benefits Or Medicare - Form SSA-1


Please be ready to supply the information we need to approve your application for these benefits :


ok no thanks


what is the easiest way to do this?


Apply Online   The easiest and quickest way to apply for retirement , spouse 's , ex - spouse 's , or Medicare benefits is to apply online .


Hello there. How are you doing? I came here because there was a complaint filed against me and I don't know what to do about it.


Then you're in the right place. First of all, you should know that the New York State Department of Motor Vehicles (DMV) regulates all repair shops, inspection stations, dealers, vehicle dismantlers and other related businesses in NY State.


Yes. And if I want to run a business legally?


Then you must register with the DMV. Once your application is approved you will receive a certificate from the DMV.


Now, let's say I demand a hearing, how does that work?


You are entitled to hire an attorney and to bring that attorney to the hearing. The DMV is the petitioner is this case and the complainant may be a witness for the case.


Would you like to know what happens after the hearing?


No, thanks. I can imagine that.


Would you like to know what happens if the ALJ only imposes civil penalties?


Sure, go ahead.


In order to prevent the loss of your operating privilege, you must pay all fines and penalties then. You will receive a letter from the DMV shortly after the hearing.


I have to pay? Great. What if I choose to appeal such a decision?


In that case you have 60 days from the date of the ALJs decision to file the Appeal From DMV Hearing Determination (AA-33A), which must be accompanied by the appropriate filing fee.


What if someone filed a complaint with me (which is the case) and that complaint is not successful?


Then they are advised to contact the DMV Consumer & Facilities Services Complaint Unit. You can protect your business: keep a copy of all work orders in an easy-to-access location.


I want to know about the benefit verification letter.


Do you mean the Social Security benefit verification letter?


Yes, that.


Do you know how to get an income verification letter or benefit verification letter from Social Security?


I don't know.


You can just log in to my Social Security to get access to your benefit verification letter.


Do you happen to have a TTY number that I can use to get more information?


Yes, of course. Our TTY number is 1-800-325-0778


How can I print my verification letter?


just sign in to your account and go to Replacement Documents on the right side of the screen, then choose "get a Benefit Verification Letter" to print your letter.


What it's exactly a verification letter?


The benefit verification letter serves as proof of your retirement, disability, SSI or Medicare benefits. It can also be used as proof that you applied for benefits or that you have never received Social Security benefits or SSI.


I need help applying online.


Do you meet the criteria to apply online?


I'm not sure.


Does it say we can't process your request?


Yes, it does.


You will receive information on how to call us or schedule an appointment.


Do I need an account to apply online?


You will be asked to create one if you don't already have one.


Can younger people qualify for disability?


Yes, younger people may have earned work credits for disability protection.


What about survivor's benefits?


You can use the survivors planner to learn what protections your family has.


How can I qualify for retirement benefits?


You can access the retirement planner to find out about qualifications.


I need a driver's license please help me.


Yes, certainly. Are you a New York State resident and over 16 years of age?


Yes I am and this is my first time around.


Are you over 18?


No I'm not.


My friend wants to renew her license, can you tell me how?


You can click on the number to see how to renew your license [ 11 ].


What class license will I get if I'm not 18?


Most people get a class D-Operator if 18 or older or a DJ-Junior Operator if under 18.


Are there restrictions for me if I'm 17?


Yes you are subject to the restrictions for junior drivers until you are 18 years old.


My insurance ended so what should i do


You will need to get insurance or we will suspend your registration and license


Don't do that I'll get insurance


Okay, have you received a letter from the DMV letting you know how to clear things up?


I have, that is why I am here to clear that up and change the address on my license and registration


Okay, we can take care of that


Will I still have to turn in anything or can I keep it as I renew my insurance


If you show proof of insurance and you go ahead with the address change than everything should be fine


OKay, well I just logged in and I have insurance and I just need to give you my new address...is that fine


Good, we now have all the information we need so you should be good to go


Did you just now get your new insurance coverage?


Nope, earlier but it just showed up on my account and payment went through so I should be covered


Just don't let it happen again or you might lose your license and registration, so just stay insured


won't happen again, it was just a mistake on my part


Okay, well we have your address and it should all be good


So just to be sure, if i change address again then I should come in and let you know?


Yes, and please have your insurance up to date when you do so


Hello, I would like to know how I get my money with financial aid?


Will your university or vocational school distribute your financial aid?


no


and who will pay my help?


Find out when your school will pay your aid and the period each payment covers.


What do I do to sign a loan agreement?


Complete a Master Promissory Note MPN.


And what should I do Before my first loan or TEACH Grant?


complete the advice


and which school will provide the aid?


your chosen school


I need to know what goes on if my license expires while I am stationed in Japan?


NY State law automatically extends license privileges throughout active military service for up to 6 months after discharge or separation. Discharged or separated military personnel may renew an expired NY State license up to two years after the extended expiration. No more than 30 months may have passed since discharge.


Was your NY State license valid at any time during your military service?


yes


Your license can be renewed.


is that renewal for active and discharged or is it different for each?


It is for both active and discharged, if their NY State license was valid at any time during their military service, their license can be renewed.


so if I can renew after discharge just the same?


Yes, your license can be renewed.


what happens if I didn't have insurance during some of my military time?


You should have continuous coverage or surrender your plates before being deployed.


what if I couldn't do that?


DMV has a procedure in place to exempt you from administrative actions upon your return. You will have to provide a notarized statement that the vehicle was not used during the time in question, a copy of your military ID, proof of current insurance, and signed and dated copies of deployment and return papers, or DD-214. You can take these documents to any DMV office or mail them.


where can I call to get more answers?


You can contact the DMV Call Center.


Hello, I would like to know what original documents do I need to obtain a Social Security Card?


for US Citizenship?


What do I do if I don't have one of these specific documents?


in that case we will consider other documents such as your child's passport or a document issued by the DHS Department of Homeland Security as evidence of your child's age.


Do you have the Employee Identification Card?


no


and the school ID card?


and Health insurance card not a Medicare card?


and the American Military Identification Card?


neither


In that case you will not be able to obtain the US Passport.


hi i need help about Exposure through Project 112 or Project SHAD


If you were part of the chemical and biological warfare tests through Project 112 or Project SHAD Hazard and Defense SHAD?


do not


Can I get VA disability benefits?


You may be able to get disability benefits if you meet the two requirements listed below.


What kind of disability benefits can I get?


for Healthcare and Indemnity Payments


Who is covered?


Veterans and Qualified Survivors


What requirements do I need to meet?


Were you part of the Projects 112 or SHAD tests from 1962 to 1974?


No You may be able to get disability benefits if you don't qualify. we are sorry


How do I replace a title?


You can apply at a DMV office.


Will I get a new one while there.


No, we mail them to you.


Where will you mail them to.


To the address on file. You can replace them online.


So i can do it at the DMV also?


Yes but the fastest way to do it is online.


How do I apply for a title only?


Use the PDF file and follow instructions carefully.


Can I have them forwarded to a new address?


There is no guarantee the DMV will forward them. Please contact them with updated info.


Where are certificates printed?


In a secure facility in Albany.


Can I change the address online?


No, you have to contact the Title Service Bureau.


I need information on co-op training.


A college or university co - op training program lets you get full - time work experience in between periods of going to school full time .You may be able to get help paying for some of your costs like books , tuition , and housing if you re part of a co - op .


How much will I get if I join a co-op training program?


If the program is at a public IHL , we pay the actual costs for public in - state tuition and fees .    we pay the lesser of the national maximum or the actual costs for in - state tuition and fees .  We also pay for some of the cost of housing and books .


What are the criteria to get benefits?


Are you using VA educational assistance?


Yes I am.


Are you also enrolled at an approved institution of Higher Learning?


And finally, are you in an educational program that requires part-time study and part time work or training?


I sure am.


You may be able to get money for books , tuition , and housing since you meet those requirements.


How I get my money in the Financial Aid Process?


Are you studying at the college?


Yes, I am.


Fine. Find out when your school will pay out your aid and the period each payment covers.


how can I pay for course materials?


Learn how to pay for course materials if you don t get your financial aid as soon as classes start.


What do I have to do to receive my loan?


You must complete Entrance Counseling.


I need to Get Informed


Find out how aid is calculated


Now, What Should I do?


You've accomplished the most important task submitting the Free Application for Federal Student Aid FAFSA form. There are a few more steps in the financial aid process.


I was wondering if it is possible to check the status of my VA claim online?


Yes you can check the status of your VA claim online as well as an appeal for compensation.


Is it possible to track other types of claims and appeals with the online tool?


You can use the tool to check the status of a claim or appeal for other benefits such as VA health care and education benefits.


Okay so I have registered for online updates and to use the tool. I have signed in but don't know how to check my VA claim status. Could you please help me with this?


Yes I can help. Once  you have signed in go to "My VA" dashboard. You will find the link for this dashboard in the top right corner of the page. Once on My VA dashboard scroll down to the "Track Claims" section. Click on Track Claims and there you will find a summary of your claim.


What account do I have to  have to use the tool?


To use the tool you will need a Premium My HealtheVet account or a Premium DS Logon account used ofr eBenefits and milConnect. Any one of these accounts can be opened free of charge.


I don't have one of these accounts, is there any other way to use the tool?


As mentioned you will need to have one of these free accounts. Either a Premium My HeatheVet account or a Premium DS Logon account used for eBenefits and milConnect.


What if I sent documents to VA as evidence but I don't see one of them listed on my account?


Not all documents appear online.


What is the charge for an account so that I can use the tool?


There is no charge to open account in order that you can use the tool.


Once I have an account what types of claims can I track using the tool?


You can check the status of a VA claim or appeal for compensation. You can also track your disability compensation including claims based on special needs like an automobile or clothing allowance.


I am trying to learn about resuming my civilian career after serving.


I can help with that. Are you a veteran?


Yes, I am.


First, thank you for your service. Because you served your country, you are protected under the Uniformed Service Employment and Reemployment Rights Act.


Thank you. Is there someone who can help me get my former job?


We will need to see if you meet the requirements. If so, the VR&E may be able to help.


Do you have time for me to review the guidelines with you?


Yes.


Are you handicapped?


I am, yes.


Have you joined VR&E?


Yes, I recently enrolled.


I believe you said you want to return to your old job. Is this correct?


Absolutely. Yes.


Great. It looks like you meet all of the requirements.


Hi, good afternoon. I want to file a FOIL request, but i wanted to know if there is any fee involved?


There is, indeed. By law, we're authorized to charge $10 fee for searching. You must know that fee is only to determine if the requested information is available. It doesn't guarantee a information delivering. Plus, search fee isn't refundable.


Can you tell me if you also have requested copies for that information, in case being available?


No, i haven't.


Anyway, in case i get the notification on my records being available for me to inspect them, what should i do then?


Just come to the Customer Service Counter Room in 136 Swan Street, Building Empire State Plaza, on any day from Monday through Friday. The service will be open from 8.30 am to 3:45 pm, except for state holidays.


I submitted a phone number with my request. Can i expect to be contacted in that way?


Yes. The FOIL office surely will use that phone number to contact and notify you when your records are ready for you to be inspected. If you didn't submit a phone, then you'll be notified by mail.


Ok, then i'll have it with me all times. Eh, some time ago i submitted a request but it was eventually denied. Can i file an appeal for that denied request?


It was a partial denial, by the way.


You may appeal the denial, indeed. The procedure is simple. Just write to DMV within 30 days from the denial's date. Proper FOIL request number and description of what was denied must accompany your writing.


Could you please give me some information on how to apply for benefits if I am not currently living in the U.S.?


You would need to contact the Federal Benefits Unit for your country of residence if you live outside the U.S. or a U.S. territory and wish to apply for retirement benefits.


Are you attempting to begin a retirement account?


I am not yet.  I am just seeking information to prepare myself for my retirement as the time draws nearer.


What are the alternatives to checking my status online?


We have 1-800 telephone and TTY numbers that you will be able to use to check your status once your application has been submitted.


Can you give me any information about finalizing the application process and signing the online application?


Before you sign the online application, you will have a chance to review your answers and make any necessary changes.  Once you have filled everything out, we will ask you to confirm that your answers are true to the best of your knowledge and then you can sign the application and submit.


Can I include information with my application for other family members at the same time?


If you have included information about other family members when you applied, we will let you know if they may be able to receive benefits from your application.


What is the question that I will be asked before I electronically sign the application?


We will ask you to confirm that your answers are true to the best of your knowledge.


Hey, how you doing?. Please i need help with some information about stolen vehicles.


the plates on my car was stolen lat week, can i put report on them?


Yes, you can and you should. Go to a police agency and ask them to complete the MV-78B form for Report of Lost or Stolen Motor Vehicle Items, for your stolen plates. That form is a police exclusive.


Do you require more information on that matter?


Yes, i would like to receive more information about it, please.


No problem. To get more information on that subject, you can see the Report or Replace Lost or Stolen Plates section.


Ok. i'll do that later. Another question, if my plates would been missing instead of robbed, what i would have to do then?


If that was the scenario, you only was needed to bring a copy of form MV-78B to a DMV office and apply for a new set of plates, besides reinstatement of your registration.


That would have been easier. Oh, well. Look i need to know, there's this friend of mine whose car was stolen and he hadn't been issued his title, what he can do in that case?


Do i understand that your car was stolen before you applied for a registration and title?


No, not me, him. My friend's car was stolen before he could apply for registration and title.


Anyway, it doesn't matter, better continue with my doubts. In my case, if my car were stolen and not only the plates, I would need a title replacement?


I mean, like the title was lost because it was inside the car?


Well, yeah. If that were the case, certainly you should apply for a replacement title as soon as possible, to prevent any real damage. You can check Replace a Title Certificate section for more information.


Hi, show me information about Camp Lejeune water contamination health issues


If you served at Marine Corps Base Camp Lejeune or Marine Corps Air Station MCAS New River in North Carolina


yes i served at Marine Corps Base Camp Lejeune


you may have had contact with contaminants in the drinking water there . this brought a high probability of carrying diseases


What are the requirements for disability benefits from VA?


You may be able to get disability benefits if you meet all of the requirements listed


please, show me more information, maybe what are the requirements requested or where can I get more extensive information


Please, Download a fact sheet about Camp Lejeune - related benefits PDF Learn more about Camp Lejeune water contamination Learn more about the Camp Lejeune Family Member program


are the requirements all mandatory or is any optional? to obtain disability benefits from VA


Served at Camp Lejeune or MCAS New River for at least 30 cumulative days from August 1953 through December 1987


yes i served MCAS New River


Didn t receive a dishonorable discharge when you separated from the military


unfortunately I received a dishonorable discharge


sorry but to be eligible for the program you must meet all the requirements


Please, give me some info about fees for a learner permit and driver license.


The fee for your first New York State driver's license, or a new license or permit after a revocation, depends on your age when you apply and where you live. The total fee includes the driver license application fee.


Are you living in the MCTD?


No, not there.


Do you know that the total fee includes the Metropolitan Commuter Transportation District MCTD fee?


Yes, I knew that already


What is the MCTD fee?


Ok. The residents of these counties must pay a Metropolitan Commuter Transportation District MCTD fee


Which counties?


Bronx, Kings Brooklyn, New York Manhattan, Queens.


Do the Class M and MJ fare support the Motorcycle Safety Program?


Yes. Part of the Class M and MJ fee supports the Motorcycle Safety Program in New York State.


How much will my service member pay for dependent coverage?


Nothing.s We provide dependent coverage at no cost until the child is 18 years old , or sometimes longer if the child meets one of the requirements listed below


To continue receiving dependent coverage after age 18, what are the requirements?


Is a full - time student


not


Becomes permanently and totally disabled before turning 18 and can t support themselves


yes


Who s covered?


Spouses of service members covered under SGLIsDependent children of service members covered under SGLIs


If you want to convert FSGLI coverage, what can I do?


Choose a company from the list of companies participating in this program. See the companies you can choose


Besides a spouse and child, cannot another family member be covered?


not just those two as I mentioned Spouses of service members covered under SGLIDependent children of service members covered under SGLI


ok, what forms would my service member need?


a service member will file an SGLV 8284A Accelerated Benefits Claim. Download SGLV 8284A PDF


I need help using the loan simulator.


I'll be happy to assist you with that. The loan simulator is a tool that helps you make decisions about student loans.


How can I get the most realistic results from the loan simulator?


It's always important to know that the simulator is not 100% accurate, but for the best results, be sure to provide complete and accurate information.


How do I start my repayment plan strategy from scratch?


Finding a repayment plan that fits your needs is very important.


How do I get started using the loan simulator?


The simulator will guide you through a series of questions based on your selections.


Do you need assistance finding the best repayment strategy for you?


Yes. I would definitely appreciate some help.


Excellent. We can help you find a repayment plan that best fits your needs and goals.


What important information should I know about using the loan simulator?


As I've mentioned before, the simulator is just for informational purposes only and shouldn't be taken as financial advice.


Greetings there. I heard veterans can get certain benefits if they were exposed to Agent Orange. COuld you tell me how to get those benefits?


Well, have you scheduled an exam?


Yes, in fact i did.


Good, that's the first step. Next you should contact your local VA environmental health coordinator. Remember this exam is cost-free for those veterans who qualified.


Sorry to ask, but this was some time ago. Could you remind me how to make an appointment for this Agent Orange exam?. It's for a friend of mine.


No problem. All you have to do is to contact your local VA environmental health coordinator for that.


Then, to clarify this even more, what happens if i qualify for this exam?


If you get your qualification, you won't have to pay anything for this exam.


Sorry if i'm a nuisance, but is something hard to process for me. I won't pay anything, just following up those steps you said to me before, isn't?


That's right. You better believe it. It's cost-free for those qualified veterans.


What will happen during the exam?


You'll be asked about your history of contact with agent orange and other herbicides along your health history including any major illnesses or surgeries you may have had.


What specific requirements do you ask for this exam?


In that regard, you must have served in Vietnam between 1962 and 1975 for any length of time or in Korea near the DMZ between 1968 and 1971.


Then my medical history will be reviewed there isn't?


That's correct.


I need help with assisted living


are you a veteran?


yes I am


You may be able to get assisted living, residential , or home health care through VA. We can help you find out how to access these long-term care services.


No, I don't think so but I might be signed up so can you still tell me how I get this?


If you are not currently in the VA health care program you can apply for benefits today .


can you help me apply now?


Yes, we can provide a link so you can apply for benefits now


If I don't have time now who else can I talk to later to apply?


You can contact your VA social worker. Or, call our toll-free hotline at 877-222-8387 , Monday through Friday , 8:00 a.m. to 8:00 p.m. ET


what are the requirements to qualify for care?


Are you signed up for VA health care?


I am


Have we concluded that you need a specific service to help with your ongoing treatment and personal care?


no I haven't even asked before or no one has reached out to me


I am sorry but you do not meet the requirements to access this service.


How do I choose the correct Direct Loan MPN within the FSA application process?


Are you currently an undergraduate student?


Yes I am


You then use this particular MPN for Direct Subsidized Loans or Direct Unsubsidized Loans which are available to eligible undergraduate students


What if I am a Graduate or a Professional Student?


You then need to locate the correct MPN which will allow you to borrow federal student loans. This category of student can be eligible for Direct Unsubsidized Loans, Direct PLUS Loans or both. An MPN is needed for each loan type that you intend to avail of


What is a Master Promissory Note (MPN)?


The MPN is a legal document which outlines that you promise to repay your loan and any interest and fees to the US Department of Education


What if I am a parent of an undergraduate student, does this make any difference to the MPN process?


In this situation, you use the PLUS MPN for Direct PLUS Loans which are available to parents of undergraduate students


What is contained within an MPN when applying for federal student aid?


The MPN includes the terms and conditions of the loan that you receive. You are entitled to receive more than one loan under an MPN over a period of 10 years, which can be used to pay for your or your child's educational costs. This is provided your school is authorized to use the MPN in this way. Your school will be able to inform you which loans, if any, you are eligible to receive


Hello, I need career information. What do you offer?


On our page you can view the current subsistence allowance rates to find out the amount we'll provide to help you pay for basic needs like food and clothing if you're an eligible Veteran participating in the Voc Rehab program.


Would you like to learn more about other VA benefits and services?


Yes, please. Go ahead.


You can explore options for using GI Bill benefits to help pay for school or training, for example, and find out what benefits you can get.


Are things like food and clothing covered by the benefits?


Yes. We'll help you pay for basic needs like food and clothing if you're an eligible Veteran participating in the Voc Rehab program.


Would it be possible to talk to a real human about this?


Yes, you can talk to someone at any time.


Good. Before we get to that, how can I find the right career for me?


You can match your interests and skills to a career with a CareerScope assessment. Use this online tool to get recommendations for careers you may enjoy and succeed in, and training programs to help you get started.


What else can I do?


You can apply for a Certificate of Eligibility for a VA direct or VA-backed home loan to build, buy, improve, or refinance a home.


No. I mean, what can I do if I'm a veteran in need of help?


In that case you can connect with our caring, qualified Veterans Crisis Line responders for confidential help. Many of them are Veterans themselves. This service is private, free, and available 24/7.


Where do I get started to learn more about the loan master promissory note


Are you an undergraduate student?


yes


You would select the option for MPN for Direct Subsidized Loans or Direct Unsubsidized Loans available to eligible undergraduate students


what kind of info will it have?


You can view a demonstration to help you out


will I also get more info with my promissory note?


Yes, it explains the terms and conditions of your loan


where can I log in and do more?


I can give you a link so you can Log In


what's the use of the promissory note?


It is a legal document in which you promise to repay your loan and any accrued interest and fees to the U.S. Department of Education.


Good morning. Please, i'm looking for information about possible exposure to hazardous materials, could you help me?


Have you been in contact with environmental hazards while serving in Iraq, Afghanistan and other areas?


Yeah, i think so.


If that so, you may have illnesses or other conditions believed to be caused by those toxic chemicals on soil, water or air.


IN that case, what could be the benefits i could get there?


The basic benefits would be Health care and Compensation payments.


Well, that's pretty much what anyone would want. How can i enjoy those?


Well, you'll need to file a claim for disability compensation, proving that your health issues are related to your contact with certain environmental hazards form your time with the military.


So i have to prove everything?


Yeah, that's the right procedure. You'll have to prove the veracity of your claim.


O.k i'll have that on mind. So, to be clear, i may be able to get VA disability benefits, right?


That's correct, you may be able to get those benefits if you're able to prove that you were in contact with those materials.


please tell me How your benefits may change from year to year


Not always . We require a new Yellow Ribbon Program agreement each year .


If my school has an approved agreement and continues to participate in the program


they must continue to offer the Yellow Ribbon benefits to you the next year as long as you meet all of the requirements listed


the school still offers the program


they must continue to give you funding as long as you meet all of the requirements listed


what are the requirements to be eligible


Make acceptable progress toward completing your program according to your school


yes


Stay enrolled in the school without a break following the school s policy


I don't stay enrolled in the school without a break


so you can't qualify, because you need to meet all the requirements


Hello. I hope you can help me. I was wondering if you can bring any help to get back to work after service.


Yes, no problem. If you are a veteran or a service member with a disability that impact your ability to work, we offer you a vocational rehabilitation program.


Alright. That sounds  good. But I don't have any disability.


Is this a single program?


No, not at all. We offer 5 support and services to help you to keep your job.


That's great. But which are this 5 supports and services?


I can give you an explanation about those so you see which one apply for you.


That sounds great. Please tell me about them.


The first one is the reemployment track, which can helps you to return to the civilian job you had before you were deployed.


Well, in my case, I was an independent worker.


OK, no problem. In that case we can help you with the self employment track, so you can continue with your own business,


Can you tell me about Service-Disabled Veterans Life Insurance?


Service - Disabled Veterans Life Insurance S - DVI provides low - cost coverage to eligible service members


what if I have a service - connected disability?


find out how to apply for S - DVI online or by mail


What should I do if I received an other than honorable, bad conduct, or dishonorable discharge?


you may not be eligible for VA benefits


How much will I pay for these benefits?


Your premium rate the amount you'll pay each month for your coverage depends on some factors


what are the requirements to apply?


Were you released from active duty on or after April 25 , 1951 , and didn t receive a dishonorable discharge?


no


You can't apply for S - DVI


how to get Veterans Mortgage Life Insurance?


you ll need to apply for our Specially Adapted Housing SAH Grant


Hello. I came here to get some guidance for replacing IRP registration items. Can you answer a few questions, please?


Of course. Do you still have one or both apportioned plates?


Yes, I do.


Then you must send in the apportioned plate and your old cab card within 30 days after you receive your new apportioned plates. Failure to return your license plates can result in suspension of your IRB account. The IRB will issue new apportioned plates that have a different number, along with a new matching cab card.


I see. I'm living quite a distance from the next DMV office. Can I apply by phone?


I'm afraid you can't apply to replace IRP registration items by phone.


Alright, what about applying by fax?


You can apply to replace IRP registration items by fax at 518-486-6579.


Great! So what will duplicate IRP registration items cost me?


A replacement of apportioned vehicle plates with a cab card costs $ 27.50, and a replacement of the cab card and sticker costs $ 2.50.


What if I have lost both apportioned plates?


Then you should get the form Report of Lost or Stolen Motor Vehicle Items (MV-78B) from a police agency. Also get form MV-78B if your items were lost because of a crime. Your items will be replaced at no fee if form MV-78B shows the items were lost because of a crime.


I wanted to know about career options


we can give you a link so you can look at more information


Do you love working with animals?


no, what else you got?


Do you like working with computers?


I use them but wouldn't care to work on computer related things, anything else?


Do you have any info for the parents to look at?


Is this information for a parent that is planning ahead for a child's higher education?


yes it is


We have resources for parents to learn more about saving early, finding tax breaks, and understanding parent loans to help support their child's college journey.


do you have any info on how college can help me?


Yes, you can look at our Reasons to Attend a College or Career School section


Hello, can you please walk me through the steps of a child disability application?


Of course. First of all, you should review the Child Disability Starter Kit. This kit answers common questions about applying for Supplemental Security Income (SSI) benefits for children, and includes a worksheet that will help you gather the information you need.


Do want to do the Child Disability report offline or do you need help?


Yes, both would be great.


In that case you can call us toll-free at 1-800-772-1213.


Great! Do I need to make an appointment for my application?


Yes. Please contact us by phone or in person to schedule an appointment to complete the SSI application. We will help you in person or by phone.


Will do. What else should I know before my application?


You will need to complete an Application for Supplemental Security Income (SSI) AND a Child Disability Report. The report collects information about the child 's disabling condition and how it affects his/her ability to function. At this time, only the Child Disability Report can be completed online.


Do you also have a number for those hard of hearing? I can't hear well.


Yes, simply call our toll-free TTY number, 1-800-325-0778.


What should I do after I talked to social security?


You should fill out the online Child Disability Report. At the end of the report, we will ask you to sign a form that gives the child's doctor permission to give us information about his/her disability.


I was without insurance and you guys want me to pay


Would you like to determine if you are able to pay and remove a suspension?


yes


Was your insurance lapse for 90 days or less?


nope it was longer


So your insurance lapse was for 91 days or more?


No, I was wrong....I looked at it and it was only 88 days


can you tell me how to take care of anything I have to pay at the DMV?


You can pay any fee in person at a DMV office with a certified check, personal check or money order, payable to “Commissioner of Motor Vehicles.”.


can you give me an idea of how much I would have to pay under certain scenarios?


Okay, say your insurance lapse is 90 days, you may pay a total penalty of $900 ($8 per day for the first 30 days = $240; plus $10 per day for 31 days to 60 = $300; plus $12 per day for days 61-90 = $360) and not turn in your plates


what can you tell me about Medicare Premiums: Rules For Higher-Income Beneficiaries


The law requires an adjustment to your monthly Medicare Part B medical insurance and Medicare prescription drug coverage premiums


ow Social Security Determines You Have a Higher Premium


Social Security uses the most recent federal tax return the IRS provides to us .


you must pay higher premiums?


we use a sliding scale to calculate the adjustments , based on your modified adjusted gross income MAGI .


how to learn more?


For more information about the income - related monthly adjustment amounts or to apply for Medicare Part A or B


it's not my case


If I must pay higher premiums?


we use a sliding scale to calculate the adjustments , based on your modified adjusted gross income MAG


If my income has decreased what are the possible cases


You or your spouse lost income - producing property because of a disaster or other event beyond your control


Hello, I would like to know what the Graduate Payment Plan is like


Of course Payments are made for up to 10 years between 10 and 30 years for consolidation loans


Your income is low now, but do you expect it to increase steadily over time?


no


and how are the monthly payments in this plan?


Under this plan, your monthly payments start low and increase every two years


And how is the monthly payments for consolidation loans?


your payments are monthly


What if I have a direct consolidation loan?


If you have a Direct Consolidation Loan or an FFEL Consolidation Loan, the length of your repayment period will depend on the total amount of your education loan debt.] This total education loan debt includes the amount of your consolidation loan and your other student loan debt....


What if I have other loan debts?


Be sure to include those loans in your consolidation application in the section to list the loans that you do not want to consolidate, but want to consider in determining your repayment period.


can you give me details of Pay insurance lapse civil penalty


Your Suspension Order from the DMV shows how much you must pay . The amount depends on how long you did not have insurance coverage . Your payment is calculated based on the following table


your insurance lapse is 25 days?


yes


you may pay a civil penalty of $ 200 $ 8 per day for 25 days and not turn in your plates , or you must surrender your plates and serve a registration suspension of 25 days


which is the topic


Insurance


How is the process by mail?


Follow the instructions on your suspension order . Send the bottom part of the order along with a certified check , personal check , or money order payable to Commissioner of Motor Vehicles for the penalty to


If my insurance term is 90 days


you may pay a total penalty of $ 900 $ 8 per day for the first 30 days = $ 240 ; plus $ 10 per day for 31 days to 60 = $ 300 ; plus $ 12 per day for days 61 - 90 = $ 360 and not turn in your plates


what can i do in a DMV office


You may pay this fee in person at any DMV office with a certified check , personal check or money order , payable to Commissioner of Motor Vehicles


Hello I need information about IRP Registration Transfer


do you want to know how to transfer an IRP registration and distributed plates?


Yes


To transfer an IRP registration and distributed license plates, request that the IRB transfer the registration when you purchase or register the new vehicle.


Can I transfer the IRP registration online?


You can request the transfer of an IRP registration online through the New York State OSCAR Credentialing and One Stop Registration system.


When will the new registration expire?


The new registration expires on the same date as the original registration.


and can i request by mail?


of course If you apply by mail, send photocopies of your proof of identity.


What happens if I don't transfer the registration right away?


If you do not transfer the registration immediately, turn in the assigned license plates and taxi card to the IRB. Registration of your vehicle will be suspended if there is an expiration of liability insurance and the plates provided were not delivered. The registrant's driver's license may also be suspended. See Section 9.0 of the New York State IRP Handbook pdf IRP-8 for complete instructions on registration transfers.


is this where I go to complain?


Your feedback is important to us. You can submit a complaint , give us positive feedback, or review an already submitted case.


what can I do next if I don't agree with what Federal Student Aid decided?


You can follow our procedures for resolving disputes.  We encourage you to do this before you contact the Federal Student Aid Ombudsman Group


can I just submit another complaint?


Yes, you can submit a complaint or report a suspicious activity or scam , on behalf of yourself or someone else


can you give me a link to submit a complaint?


Yes, I will give you the link


can you also link me to where I can view my case?


Yes, just log in to your account to view, track or update your case.


Is there anything else we can help you with?


no, thanks


Hello I need information about What happens after I request a decision review?


good that you want to find out what happens after requesting a decision review


Do you know what to do if the VA schedules the exams for you?


do not


What should I do when I complete the application?


Submit the completed form


What if I need help?


A veterans services organization or a VA-accredited attorney or agent can help you request a decision review.


What if I have more questions?


Get answers to frequently asked questions about decision reviews. Go to frequently asked questions


Can I add new evidence?


of course You have the option to add new evidence for a judge to review. You must submit this evidence within 90 days from the date VA receives your Board Appeal form.


What happens if I make an appeal?


At your hearing, you and a Veteran Law Judge will have a conversation, and ask questions about your appeal.


Can I use VA health care with other forms of insurance?


Do you have a private insurance plan through an employer?


Yes, I have private insurance through my job.


You can use your private insurance in conjunction with your VA health care.


Will I have to pay out of pocket for services that aren't covered?


No, you won't have to pay any unpaid balance that is not covered by your health insurance provider.


Were you assigned to a priority group?


No, not to my knowledge.


Will I lose my VA health care coverage if I'm in one of the lower priority groups?


Yes, you may lose these benefits in the future.


Will my family still have coverage if I drop my private insurance plan?


No, they may not have coverage because we don't know if Congress will provide future funding to care for all of the veterans who are signed up for VA health care.


Is all of my health information kept private?


Yes, your private health information is protected.


Hi, I am trying to learn about VA vocational rehab.


Okay. I can help. Let's find out if you are eligible.


Great. Can you help me learn what services I can get?


Sure. We can run an evaluation to find out your strengths.


That sounds good. How can I learn more?


I can share more information. We can help teach new skills or give you tips on starting your own business.


What if I am still on active duty?


Are you on disability?


I am not.


Are you a part of the Integrated Disability Evaluation System?


Yes, I am.


Then you may be eligible.


What information would I need to change by GI bill?


You would need your Social Security number and your VA file number to complete your change.


Are you a dependent of a Veteran or service member?


Yes I am a dependent of someone that is a Veteran.


Then, you will need to include that person's Social Security or VA file number and basic service history information along with your information.


If I am a Veteran what do I need to do to make a change of program?


You will need to submit a Request for Change of Program or Place of Training VA Form 22-1995 and you can complete the form online at this time.


I would like to change my GI Bill school, what can I do?


We will help you with the information you need so you can keep getting funding.


What information do I need to get this change finished?


All you need is basic information about your service history and education or training plans and goals.


What takes place if I am a dependent of a Veteran?


You will need to submit a Dependent's Request for Change of Program and it is possible to complete online right now.  Just choose VA Form 22-5495.


In order for me to register my vehicle, do I have to have an insurance policy in place on that vehicle


For you to register a vehicle in New York, it is a requirement of the DMV that you have auto liability insuranc


I have a question in relation to my vehicle registration application. Does my name on that application form have to match my Insurance Identification Card


Yes, your name as it appears on your insurance card must match the name that appears on your vehicle registration application


Are there any restrictions in place regarding out-of-state insurance and what are the implications of not having these in order


You cannot drive your motorcycle on public highways without having insurance in place. If your name differs from your insurance to your registration, your insurance coverage may lapse and become invalid, which could result in the DMV suspending your driver license and registration


I will have a problem in providing my original Insurance Identification Card. Will the DMV be able to accept a copy or a fax?


Once the DMV barcode reader can read scan the barcode on your Insurance Identification Card, this will be acceptable


What type of policy do I need to have in place before I can register a vehicle?


Auto insurance liability is a pre-requisite before you can register a vehicle in New York


What happens after I have applied for VA health care benefits?


After your application, we will send you a letter to let you know if your application has been approved


How do I get my Veterans Health Identification Card?


You can contact your local VA medical center and speak with the enrolment coordinator. This coordinator can help you arrange to have your picture taken for your new VHIC. You can, alternatively, request your VHIC at your next VA health care appointment


How long does it take to hear back after I apply for VA health care?


Has it been more than a week since you applied?


No, it hasn't


Where do I go if I need help accessing VA services?


You can contact our toll free number at 877-222-8387, Monday through Friday from 8.00 a.m. to 8.00 p.m. ET


Can I cancel my enrolment in VA healthcare at any stage?


You can cancel your enrolment but this may impact your health care coverage requirements under the Affordable Care Act, if you don't have other health care


What can I do if I disagree with a decision that is made on my VA healthcare application?


In this instance, you can file an appeal. If your application is not approved, you will receive a letter outlining the reasons why, and this letter will also include instructions on how to appeal the decision


what can you tell me about Social Security Credits


You must earn at least 40 Social Security credits to qualify for Social Security benefits . You earn Social Security credits when you work and pay Social Security taxes


If i are statutorily blind?


you must only meet the duration of work test


What is the Number of credits needed for retirement benefits?


if I was born after 1928?


yes it is my case


you need 40 credits to qualify for retirement


you might earn more credits than the minimum number you need to be eligible for benefits ?


These extra credits do not increase your benefit amount. The average of your earnings over your working years ,s [24] not the total number of credits you earn


What are the credits based on?


Credits are based on your total wages and self - employment income for the year. You might work all year to earn four credits , or you might earn enough for all four in much less time


How does work study work for me as a Veteran?


Work study programs as a Veteran can help you earn money while being enrolled in college, a vocational school, or professional training program.


Is there any special place I need to be enrolled?


You would have to be enrolled college courses, a vocational school, or professional training program.


What about other financial assistance?


All you need to do is contact your school's financial office to find that out.


Am I able to take part in the Veterans work-study program?


You will have to meet certain requirements to take part in the Veterans work-study program.


What must be true for me to get Veteran's work study?


Are you enrolled at least three quarters time in a college degree, vocational, or professional program?


No I am not enrolled for at least three quarters time in a college degree, vocational or professional program.


Then you are not eligible for the Veteran's work-study program.


How is the conditional use license for drivers from other states?


Do you have a driver's license issued in another state?


yes


you can receive a conditional driving privilege or a restricted driving privilege to drive in NY State . The conditions or the restrictions are the same as the conditions or restrictions for a driver with a NY State driver license


how is the conditional license?


The DMV can issue a conditional license to a qualified driver whose NY State license has been suspended or revoked because of an alcohol or drug - related violation


what is restricted use


The DMV can issue a restricted use license to a driver who qualifies and whose license is suspended or revoked because of violations or incidents that are not alcohol or drug - related , or because of some drug - related violations


What more details do I need to know?


You can do this at most , but not all , Motor Vehicles offices . Contact your nearest office to find out where you can apply


ok i need to know more about restricted use


all related to alcohol or drugs


Hello I need information about What should I do if I do not receive my VHIC in the mail?


Has it been more than 10 days since your photo was taken and you did not receive your card?


Yes


What should I expect after taking my photo?


After taking your photo we will process your VHIC and mail it to you. You should receive your card within 10 days.


What if you change your medical center during the trip since you received your original card?


You can contact the medical center where you currently receive care. Or, call us at 877 - 222 - 8387, Monday through Friday, 8:00 a.m. at 8:00 p.m.


and what do these new cards offer?


It also offers other useful new features. This includes "VA" printed in braille to help low vision Veterans quickly recognize the card, as well as an display of their latest branch of service emblem and a list of special awards they may have received.


and can I use this card as a credit card?


Sorry. You cannot use your VHIC as a credit card or insurance card. You do not pay copays or authorize care in non-VA health facilities.


Heeyy, what's up?. You know, i need to do some things with DMV, but i have some doubts, about if i can use someone else's documents that proof that me is me, could you help me?


Well, you can use your spouse's documents, but i must ask, Do you and your spouse share the same last name?


Yes, that's right.


Excellent, Then you can use those documents that are in your spouse's name to serve as proof.


Good, thanks. In the case i hadn't those, what else i could use?


You can use a phone bill, an electricity or gas bill, water bill or cable bill. You can even use your divorce papers.


I just thought, may i use a union card?


Sure, you can use that document, even if you no longer have that union job.


Great. I heard that the main documents needed are birth certificate or marriage record, If i don't have those, what can i do?


You can enlist the help of the NYS Department of Health Vital record to get some proof.


But if i'm not from NY, can i still use that service?


Yes, you can. That will enable you to ask for records from new york and many other states.


I f i have additional documents that proof my relationship, can i submit them?


Sure, you can do that.


You said earlier that divorce papers will work?


That's right.


I moved recently and forgot to update my address. Could this be a problem?


Yes, by statute, you have to report a change of address to DMV before ten days after moving.


Is it common to delay a transaction due to forgetting any prerequisite when going to the DMV office? what could be the alternative?


Yes. Around 10% of our customers forget some of the pre-requisites when going to a DMV office. To avoid this, you could check on the DMV website to see if you can do your transaction online.


What if the inquiry letter you send to me doesn't resolve the problem with my insurance?


In that case, we must suspend the vehicle registration and if the problem persists, your driver's license. This happens quite often a year due to failing to maintain insurance.


What could happen if I forget to update my new address with you guys?


If you move and don't update your address who won't know about any insurance problem and we'll have to suspend your registration and license.


Can I leave the state without notifying DMV?


Thanks to the communications between states you can resolve any previous problem you have in New York State before registering in the new state.


what is VA disability compensation?


About VA disability ratingsLearn how we assign disability ratings and effective dates , and what to do after you get your rating


Did you want More information and resources


yes


Disability housing grants for VeteransFind out how to apply for a housing grant as a Veteran or service member with a service - connected disability


are there grants/


how do i  Get VA disability compensation (pay)


After you file your claimFind out what happens after you file for VA disability compensation , how long it takes us to make a decision , and what to do if you disagree


how can I  Manage my  Veterans disability benefits


VA claim exam C&P exam Find out why you might need a claim exam  how to schedule and prepare for your appointment ,


how do i get VA disability compensation


VA disability compensation pay offers a monthly tax - free payment to Veterans who got sick or injured while serving in the military and to Veterans whose service made an existing condition worse


Can you tell me about browser compatibility?


You should know that we are improving our security protocols to better protect your data.


Can you give me an address for dial-in search account consultations?


You can mail DMV at NYSDMV DIAL - IN AccountsRoom 2316 Empire State PlazaAlbany , NY 12228 473 - 2137


how many digits is the account number?


You'll be sent a seven-digit account number that will never change.


What can I do if my browser is not compatible?


You should update your browser to its latest version.


I need to check my browser compatibility.


To check for your browser compatibility yo should visit https://encryption.ny.gov/


Why would DMV ask me about my searches?


We need to verify the compliance of the dial-in Terms of Service.


Would the dial-in search account service be useful for an attorney?


Yes, attorneys are among our most common clients.


Hello, good morning. I'm going to visit NYS pretty soon and i would like to know if i can get a driving permit there.


Do you have a driver license issued by other state?


No, i don't have such license.


Look, If somebody anyone wants to get a driving permit there, what should be done?


Well, you should apply for a conditional or restricted use license in person at a DMV Office. You can do this at almost any DMV Office.


This restricted license can be issued to those whose license has been suspended or revoked because alcohol or drug?


In fact, yes, they can get a restricted license. In any case, the driver must attend a Impaired Driver Program approved by the DMV.


You said that this license can be requested in any DMV office, right?


Not all of the DMV offices. You should contact your nearest DMV office to know if you can apply there.


And that license is only conditional, isn't?


Correct. As said before, is a special kind of license, which can be issued to those driver whose license has been suspended or revoked by alcohol or drug related situations.


I could use some tax benefits help


Okay, tax benefits can be used to get back some of the money you spend on tuition or loan interest or to maximize your college savings.


how do they help me?


They help offset the costs of college by reducing the amount of your income tax.


Did you miss filing a tax return this year?


no I filed


can you give me an example of one of these credits?


Okay, The Lifetime Learning Credit allows you to claim up to $2,000 per student per year for any college or career school tuition and fees, as well as for books, supplies, and equipment that were required for the course and had to be purchased from the school.


are there others?


There is the American Opportunity Credit which allows you to claim up to $2,500 per student per year for the first four years of school as the student works toward a degree or similar credential.


what does the coverdell savings account do for me?


It allows up to $2,000 a year to be put aside for a student’s education expenses


Tuition Assistance Top-Up


Does your college tuition cost more than what s covered by the Tuition Assistance TA program ?


yes, cost more than what s covered by the Tuition Assistance TA program


Find out if you can get more money to help pay for school through the Tuition Assistance Top - Up program .


how to know if I am eligible


please, first  Find out if you can get more money to help pay for school through the Tuition Assistance Top - Up program .


What do I have to do to get these benefits?


figure out if the GI Bill benefits you have left will cover your needs .  Use the GI Bill Comparison Tool


what are the requirements


You qualify for Montgomery GI Bill Active Duty MGIB - AD or Post-9/11 GI Bill benefit


covers the entire course?


You can get tuition assistance if you re approved for federal TA and you meet both of the requirements listed below


hello I need information about Temporary Disability Rating after surgery or cast


Are you recovering from surgery or a disability related to your military service that has left you unable to move?


Yes


You may be able to get a 100% temporary disability rating and disability compensation or benefits if you have this type of immobilizing disability.


Is it possible that they can give me a 100% disability if my condition worsens?


Yes For Example: A veteran had a left knee injury that resulted in a disability rating of 30%. As the knee problem worsened, the veteran VA doctor recommended surgery to prevent further damage from occurring. Since the doctor would not know if the surgery was successful until 3 months after the 1 week stay in the Veteran's hospital, we gave the Veteran a temporary disability rating of 100% for 3 months.


What kind of disability benefits can I get?


among the disability benefits you can get for health care this     - while recovering additional compensation payments


What if I was not operated for my injury?


you must meet a requirement


and who are covered in this benefit?


Veterans only


hello what paid employment information could you


To be eligible to receive funds under the Title IV Student Assistance Programs of the Higher Education Act, an educational program must lead to a degree in a public or non-profit institution or must prepare students for "gainful employment in a recognized occupation. " gainful employment in a recognized occupation.


and what does this program require?


An educational program must lead to a degree in a public or non-profit institution or must prepare students for "gainful employment in a recognized occupation." gainful employment in a recognized occupation.


and what does SSA do?


The SSA calculates and returns to the United States Department of Education the mean and median annual earnings for a cohort of students who completed the GE program during a specific cohort period.


and what is the debt to earnings rate data?


D / E rate data is available for 2015 debt measurement.


Do you know that it came into effect from April 25, 2018?


Yes i would like to know


As of April 25, 2018, no revised appeals have been denied. In the spreadsheet, a single asterisk * indicates that the information presented in the field has changed from what was presented prior to the April 25, 2018 update.


and how many students must there be to calculate the rate?


At least 10 people who completed a program must match for SSA to return middle and middle income information for disclosure purposes, while there must be at least 30 students in the cohort sent to SSA for the Department to calculate D rates. / E.


I need SSI benefits information


The Supplemental Security Income program pays benefits to disabled adults and children who have limited income and resources.


is there a number where I can get help with the process for an older person that will need more help?


Yes, the number is 1-800-772-1213, and they will help a person age 65 and older.


she's hard of hearing so is that also the TTY number?


The TTY number is 1-800-325-0778


Can we make an appointment to get help with the SSI application?


You can schedule an appointment with a local Social Security office to file an application.  Call 1-800-772-1213 from 7 a.m. to 7 p.m.  Monday through Friday.


can we just do it online if we can't go in?


Is the person that wants to file for SSI between the ages of 18 and 65?


she's 63


Has she never been married?


no she was married


She does not meet the requirements to file for SSI online.


What is gainful employment information mean?


Gainful employment means in order to get federal student aid a student must take an educational degree at a non-profit or public institution that will prepare them for gainful employment in a recognized occupation.


Is there an special act that states this?


Yes, the Higher Education Act Title IV student assistance programs.


Is there glossary of terms used in the data spreadsheet?


Yes, there is a glossary of terms used in the D/E data spreadsheet.


Is there any Debt-to-Earnings Rate Data?


Yes, D/E rate data is available for the 2015 debt measure year.


Do you know the appeal date of April 25, 2018 no appeals have been denied?


Yes, I know since the date of April 25, 2018 no appeals have been denied.


It shows that no appeals that have been reviewed have been denied and on the spreadsheet a singe asterisk shows that the info presented in the field has changed from what was presented before April 25, 2018.


What do I need to know for the Annual Earnings Rate?


You should know that the numerator is the calculated annual loan payment amount is an estimate of the annual loan repayment amount based on the median educational debt of the members. Also, the denominator is the higher mean earnings taken from the Social Security Administration.


How am I protected?


Hello, how are you today? I will be happy to assist you. Have you been approved?


Yes  I recently was.


Did you create an online accout? or do you want to?


I am not sure if that is safe or if i wish to do that online


I see. We offer extra security to ease your mind


That sounds great


Ok great!  We offer you the choice to add extra security when you create an online account


Is there anywhere else I can learn about phishing?


absolutely! please go to  go to OnGuard Online


Should I respond to the email if i suspect it is a phishing one?


DO NOT respond to the email or click on any links contained in the email message


I need information on how to obtain a VA direct home loan.


Your first step will be to apply for your COE. After you've done that, your next steps will depend on the type of loan you are applying for and your lender.


Are you looking to obtain a VA home loan?


Yes, I am.


For the majority of loans, your lender will probably be a mortgage company or a private bank.


What if you are Native American?


In this case, we will be your lender.


Can I apply for my COE online?


That will depend on your lender. Some lenders will allow you to use our Web LGY system to obtain your COE.


What is the significance of obtaining the COE?


The COE tells your lender that you have qualified for the VA home loan benefit.


What kind of information will I need to apply for a COE?


This will depend on your current status in the military. If you are a current or former activated National Guard or Reserve member, you'll need a copy of your discharge or separation papers DD214.


I'm not in the National Guard, so what other information will I need?


This will depend on whether you are a Veteran or on Active duty.


What can I do if my application for disability benefits is denied?


We can deny your application if we decide you don't meet the requirements to get the benefits after reviewing your application. But, you have the right to ask for a second review.


So if I disagree with your decision I can ask for y application to be reviewed again?


Yes, and in the notice you receive after getting your application denied, you can see the instructions on how to appeal the decision.


and, as a person with hearing problems, do you offer any suitable form of contact?


yes, we have the toll-free TTY number 1-800-325-0778


Can you give me some publications about disability benefits?


Sure, I recommend you read the publications "Apply Online For Disability Benefits", "Disability Benefits" and "Disability Starter Kit".


Thanks. And again, about appealing a denied decision. Is there anything to do if my decision is denied a second time?


If we decide you don't qualify because you are not disabled according to our rules, you can appeal online.


Was your application denied?


No, I'm just curious, just in case.


now, can you tell me about SSI?


the Supplemental Security Income or SSI it's the option you would get if you didn't manage to get enough Social Security credits to qualify for the disability benefits.


How does Recharge Tuition Help work?


Does your college tuition cost more than what the TA Tuition Assistance Program covers?


not


which are the requirements


You qualify for the Montgomery GI Bill Active Duty MGIB - AD or Post-9/11 GI Bill benefits,


You cannot get tuition assistance if you are approved for federal TA


ok and do you use the GI Bill Post-9/11?


This benefit will be charged to you based on the training time, no matter how much money you are reimbursed. Part-time training rates reduce your GI Bill benefit by half a month for each month you enroll.


I use the GI Bill Post-9/11,


We will reimburse your school for the difference between the DoD payment and tuition and the approved maximum authorized fees.


I need more information on Driver Responsibility Assessments


Have you been convicted of a DWI or DWAI?


Yes a DWI


You will be required to pay a driver responsibility assessment each year for the next three years. For more information see Pay driver responsibility assessment


Where do I enroll?


our Order of Suspension or Revocation from the Department of Motor Vehicles DMV will indicate a nearby state or county motor vehicle office where you may enroll in the Impaired Driver Program and apply for a conditional license / privilege , if applicable


Can I get a conditional license with a DWI?


Your license or privilege to drive in New York State will be revoked or suspended. However you may be eligible for a conditional license or a conditional driving privilege if you participate in New York State s Impaired Driver Program IDP previously known as Drinking Driving Program DDP or an approved out - of - state program


Do I need to bring anything with me?


You must bring written permission from the sentencing court , or your probation officer , that allows you to apply for a license


When does the suspension begin?


our license suspension or revocation officially begins at your hearing or sentencing in court , unless the court gives you a Continuation of Driving Privileges MV-1192. Your credit for serving the suspension or revocation begins on the effective date of the order


Could I be eligible for a conditional license?


You may be eligible for a conditional license or a conditional driving privilege if you participate in New York State s Impaired Driver Program IDP previously known as Drinking Driving Program DDP or an approved out - of - state program