{"ssa": ["Benefits Planner: Survivors | Planning For Your Survivors \nAs you plan for the future , you'll want to think about what your family would need if you should die now. Social Security can help your family if you have earned enough Social Security credits through your work. You can earn up to four credits each year. In 2019 , for example , you earn one credit for each $1,360 of wages or self - employment income. When you have earned $5,440 , you have earned your four credits for the year. The number of credits needed to provide benefits for your survivors depends on your age when you die. No one needs more than 40 credits 10 years of work to be eligible for any Social Security benefit. But , the younger a person is , the fewer credits they must have for family members to receive survivors benefits. Benefits can be paid to your children and your spouse who is caring for the children even if you don't have the required number of credits. They can get benefits if you have credit for one and one - half years of work 6 credits in the three years just before your death.  For Your Widow Or Widower \nThere are about five million widows and widowers receiving monthly Social Security benefits based on their deceased spouse's earnings record. And , for many of those survivors, particularly aged women, those benefits are keeping them out of poverty. Widows and widowers can receive : reduced benefits as early as age 60 or full benefits at full retirement age or older. benefits as early as age 50 if they're disabled AND their disability started before or within seven years of your death. benefits at any age , if they have not remarried , and if they take care of your child who is under age 16 or disabled and receives benefits on your record. If applying for disability benefits on a deceased worker s record , they can speed up the application process if they complete an Adult Disability Report and have it available at the time of their appointment. We use the same definition of disability for widows and widowers as we do for workers. ", "For Your Surviving Divorced Spouse \nIf you have a surviving divorced spouse , they could get the same benefits as your widow or widower provided that your marriage lasted 10 years or more. Benefits paid to a surviving divorced spouse won't affect the benefit amounts your other survivors will receive based on your earnings record. If your former spouse is caring for your child who is under age 16 or disabled and gets benefits on your record , they will not have to meet the length - of - marriage rule. The child must be your natural or legally adopted child.  For Your Children \nYour unmarried children who are under 18 up to age 19 if attending elementary or secondary school full time can be eligible to receive Social Security benefits when you die. And your child can get benefits at any age if they were disabled before age 22 and remain disabled. Besides your natural children , your stepchildren, grandchildren, step grandchildren or adopted children may receive benefits under certain circumstances. For further information , view our publication.  For Your Parents \nYou must have been providing at least half of your parent s support and your parent must not be eligible to receive a retirement benefit that is higher than the benefit we could pay on your record. Generally, your parent also must not have married after your death ; however, there are some exceptions. In addition to your natural parent , your stepparent or adoptive parent may receive benefits if they became your parent before you were age 16. ", "How Much Would Your Survivors Receive \nHow much your family could receive in benefits depends on your average lifetime earnings. The higher your earnings were , the higher their benefits would be. We calculate a basic amount as if you had reached full retirement age at the time you die. These are examples of monthly benefit payments : Widow or widower, full retirement age or older 100 percent of your benefit amount ; Widow or widower , age 60 to full retirement age 71 to 99 percent of your basic amount ; Disabled widow or widower , age 50 through 59 71 percent ; Widow or widower , any age, caring for a child under age 16 75 percent ; A child under age 18 19 if still in elementary or secondary school or disabled 75 percent ; and Your dependent parent , age 62 or older : One surviving parent 82 percent. Two surviving parents 75 percent to each parent. Percentages for a surviving divorced spouse would be the same as above. There may also be a special lump - sum death payment.  Maximum Family Amount \nThere's a limit to the amount that family members can receive each month. The limit varies , but it is generally equal to between 150 and 180 percent of the basic benefit rate. If the sum of the benefits payable to family members is greater than this limit , the benefits will be reduced proportionately. Any benefits paid to a surviving divorced spouse based on disability or age won't count toward this maximum amount. Get your online or check our Benefit Calculators for an estimate of the benefits your family could receive if you died right now. ", "Other Things You Need To Know \nThere are limits on how much survivors may earn while they receive benefits. Benefits for a widow, widower, or surviving divorced spouse may be affected by several additional factors : If your widow, widower, or surviving divorced spouse remarries before they reach age 60 age 50 if disabled , they cannot receive benefits as a surviving spouse while they're married. If your widow, widower, or surviving divorced spouse remarries after they reach age 60 age 50 if disabled , they will continue to qualify for benefits on your Social Security record. However , if their current spouse is a Social Security beneficiary , they may want to apply for spouse's benefits on their record. If that amount is more than the widow's or widower's benefit on your record , they will receive a combination of benefits that equals the higher amount. If your widow, widower, or surviving divorced spouse receives benefits on your record , they can switch to their own retirement benefit as early as age 62. This assumes they're eligible for retirement benefits and their retirement rate is higher than their rate as a widow, widower, or surviving divorced spouse. In many cases , a widow or widower can begin receiving one benefit at a reduced rate and then, at full retirement age, switch to the other benefit at an unreduced rate. If your widow, widower, or surviving divorced spouse will also receive a pension based on work not covered by Social Security, such as government or foreign work , their Social Security benefits as a survivor may be affected.", "As you plan for the future , you'll want to think about what your family would need if you should die now. Social Security can help your family if you have earned enough Social Security credits through your work. You can earn up to four credits each year. In 2019 , for example , you earn one credit for each $1,360 of wages or self - employment income. When you have earned $5,440 , you have earned your four credits for the year. The number of credits needed to provide benefits for your survivors depends on your age when you die. No one needs more than 40 credits 10 years of work to be eligible for any Social Security benefit. But , the younger a person is , the fewer credits they must have for family members to receive survivors benefits. Benefits can be paid to your children and your spouse who is caring for the children even if you don't have the required number of credits. They can get benefits if you have credit for one and one - half years of work 6 credits in the three years just before your death.  For Your Widow Or Widower \nThere are about five million widows and widowers receiving monthly Social Security benefits based on their deceased spouse's earnings record. And , for many of those survivors, particularly aged women, those benefits are keeping them out of poverty. Widows and widowers can receive : reduced benefits as early as age 60 or full benefits at full retirement age or older. benefits as early as age 50 if they're disabled AND their disability started before or within seven years of your death. benefits at any age , if they have not remarried , and if they take care of your child who is under age 16 or disabled and receives benefits on your record. If applying for disability benefits on a deceased worker s record , they can speed up the application process if they complete an Adult Disability Report and have it available at the time of their appointment. We use the same definition of disability for widows and widowers as we do for workers. ", "Benefits Planner: Disability | How You Apply \nYou should apply for disability benefits as soon as you become disabled. If you are ready to apply now , you can : Complete your application online. Call our toll - free telephone number If you are deaf or hard of hearing , you can call us at TTY Call or visit your local Social Security office. If you wish to help another person apply for disability benefits , please read.  Information You Need To Apply \nHere is the kind of information you should have :  Information About You \nYour Social Security number and proof of your age ; Names, addresses, and phone numbers of doctors, caseworkers, hospitals, and clinics that took care of you and the dates of your visits ; Names and dosages of all the medications you are taking ; Medical records from your doctors, therapists, hospitals, clinics, and caseworkers, that you already have in your possession ; Laboratory and test results ; A summary of where you worked and the kind of work you did ; and Your most recent W-2 form or , if you were self - employed , a copy of your federal tax return.  Information About Family Members \nSocial Security numbers and proof of age for each family member who may qualify for benefits ; and Proof of marriage , if your spouse is applying for benefits , as well as dates of prior marriages , if applicable. If you don't have all the documents you need , don't delay filing for benefits. We will help you get the information you need. ", "More Help For Filing Your Claim \nOur Disability Starter Kit will help you get ready for your disability interview or online application. Starter kits are available in English or Spanish for adults and children under age 18. The online Application for Benefits also includes links to information that will help you complete the form.  If Your Application Is Denied \nAfter we review your application and the information you provided , we may decide you do not meet the qualifications for disability benefits. If you disagree with our decision , you have the right to ask us to look at your application again. The notice you receive from us that says you don't qualify will explain how to appeal our decision and the time period in which you must make the request. If we decide you don't qualify : Because you are not disabled under our rules , you can appeal our decision online. The online disability report will ask you for updated information about your medical condition and any treatment, tests, or doctor visits since we made our decision. Appeal Medical Decision For non - medical reasons , you can appeal our decision online. Appeal Other Decision You also may call our toll - free number at to request an appeal. People who are deaf or hard of hearing can call our toll - free TTY number , 1 - 800 - 325 - 0778. People who don't have enough work credits to be eligible for Social Security Disability benefits may possibly qualify for Supplemental Security Income SSI if they have limited income and resources. For more information , please read \" Your income and resources \" on page 5 of our Supplemental Security Income SSI booklet. ", "Publications \nApply Online For Disability Benefits Disability Benefits Disability Starter Kit Adult Disability Checklist The Appeals Process Other Disability Publications", "You should apply for disability benefits as soon as you become disabled. If you are ready to apply now , you can : Complete your application online. Call our toll - free telephone number If you are deaf or hard of hearing , you can call us at TTY Call or visit your local Social Security office. If you wish to help another person apply for disability benefits , please read.  Information You Need To Apply \nHere is the kind of information you should have :  Information About You \nYour Social Security number and proof of your age ; Names, addresses, and phone numbers of doctors, caseworkers, hospitals, and clinics that took care of you and the dates of your visits ; Names and dosages of all the medications you are taking ; Medical records from your doctors, therapists, hospitals, clinics, and caseworkers, that you already have in your possession ; Laboratory and test results ; A summary of where you worked and the kind of work you did ; and Your most recent W-2 form or , if you were self - employed , a copy of your federal tax return.  Information About Family Members \nSocial Security numbers and proof of age for each family member who may qualify for benefits ; and Proof of marriage , if your spouse is applying for benefits , as well as dates of prior marriages , if applicable. If you don't have all the documents you need , don't delay filing for benefits. We will help you get the information you need. ", "Corrected Card for a Foreign Born U.S. Citizen Adult \nIf you legally change your name because of marriage, divorce, court order, or any other reason , you need to tell Social Security so that you can get a corrected card. If you are working , you also need to tell your employer. If you do not tell us when your name changes , it may : Prevent your wages from being posted correctly to your Social Security record, which may lower the amount of your future Social Security benefits. Cause delays when you file your taxes. Important You must present original documents or copies certified by the agency that issued them. We cannot accept photocopies or notarized copies. All documents must be current not expired. We cannot accept a receipt showing you applied for the document. We may use one document for two purposes. For example , we may use your U.S. passport as proof of both citizenship and identity.  What original documents do I need? \nCitizenship If you have not already established your U.S. citizenship with us , we need to see proof of U.S. citizenship. We can accept only certain documents as proof of U.S. citizenship. These include : U.S. passport ; Certificate of Naturalization N-550/N-570 ; Certificate of Citizenship N-560/N-561 ; Certificate of Report of Birth DS-1350 ; Consular Report of Birth Abroad FS-240, CRBA. Important We require this documentation only if you haveNOT already established U.S. citizenship with us. Name Change If you need to change your name on your Social Security card , you must show us proof of your legal name change. Documents Social Security may accept to prove a legal name change include : Marriage document ; Divorce decree ; Certificate of Naturalization showing the new name ; or Court order approving the name change. If the document you provide as evidence of a legal name change does not give us enough information to identify you in our records or if you changed your name more than two years ago four years ago if you are under 18 years of age , you must show us an identity document in your prior name as shown in our records. We will accept an identity document in your old name that has expired. If you do not have an identity document in your prior name , we may accept an unexpired identity document in your new name as long as we can properly establish your identity in our records. Identity We can accept only certain documents as proof of identity. For example , as proof of identity Social Security must see : U.S. driver's license ; State - issued non - driver identification card ; or U.S. passport. If you do not have one of these specific documents or you cannot get a replacement for one of them within 10 days , we will ask to see other documents. Any documents submitted, including the following, must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph : Employee identification card ; School identification card ; Health insurance card not a Medicare card ; or U.S. military identification card. Note Your new card will have the same number as your previous card, but will show your new name. We will mail your card as soon as we have all of your information and have verified your documents.", "Corrected Card for a Noncitizen Adult \nIf you change your name, become a U.S. citizen , or your immigration status or work authorization has changed , you need to tell Social Security so we can update our records and when necessary, issue a new card. When you request a replacement or a corrected Social Security card , you must show us proof of your identity, immigration status and work authorization. In addition , if you need to change or correct any information on your Social Security card , you need to show us certain documents about the change. We can only accept certain documents.  What documents do I need to prove my identity? \nSocial Security will ask to see your current U.S. immigration documents. Acceptable documents include : I-551 Permanent Resident Card I-94 Arrival / Departure Record with unexpired foreign passport, or admission stamp in the unexpired foreign passport ; or I-766 Employment Authorization Document , EAD, work permit from DHS. Important You must present original documents or copies certified by the agency that issued them. We cannot accept photocopies or notarized copies. All documents must be current not expired. We cannot accept a receipt showing you applied for the document. We may use one document for two purposes. For example , we may use your U.S. passport as proof of both citizenship and identity.  What other documents do I need? \nName Change If you legally change your name because of marriage, divorce, court order, or any other reason , you should tell Social Security. If you are working , you also need to tell your employer. If you do not tell us when your name changes , it may : Prevent your wages from being posted correctly to your Social Security record, which may lower the amount of your future Social Security benefits. Cause delays when you file your taxes. You must show us proof of your legal name change. Documents Social Security may accept to prove a legal name change include : Marriage document ; Divorce decree ; Court order approving the name change ; or If the document you provide as evidence of a legal name change does not give us enough information to identify you in our records or if you changed your name more than two years ago four years ago if you are under 18 years of age , you must show us an identity document in your prior name as shown in our records. We will accept an identity document in your old name that has expired. If you do not have an identity document in your prior name , we may accept an unexpired identity document in your new name, as long as we can properly establish your identity in our records. If we assigned you a Social Security number for non - work purposes , special rules apply. If DHS did not authorize you to work , we will change your name on our records but we cannot issue you a corrected card. If you do not have permission to work, but need a Social Security card for other reasons , see \" If you do not have permission to work \" for further information. Remember that you cannot use a Social Security number assigned for non - work purposes to work. If you use it to work , we will inform DHS. Note If we issue you a new card , it will have the same number as your previous card , but will show your new name. We will mail your card as soon as we have all of your information and have verified your immigration documents. Immigration Status To prove your U.S. immigration status , you must show us your current U.S. immigration document, such as : Form I-551 Lawful Permanent Resident Card, Machine Readable Immigrant Visa ; I-766 Employment Authorization Document, EAD, work permit ; or I-94 Arrival / Departure Record or admission stamp in the unexpired foreign passport. If you are an F-1 or M-1 student , you also must show us your I-20 Certificate of Eligibility for Nonimmigrant Student Status. If you are a J-1 or J-2 exchange visitor , you must show us your DS-2019 Certificate of Eligibility for Exchange Visitor Status. Work Eligibility In general , only noncitizens who have DHS' permission to work can apply for a Social Security number. If you are a foreign worker , we only need to see your I-94 Arrival / Departure Record or admission stamp in your unexpired foreign passport showing a class of admission permitting work. You may need to show your I-766 Employment Authorization Document, EAD, work permit from DHS. If you are lawfully present in the United States and plan to apply for work authorization , you can apply for both work authorization from the Department of Homeland Security DHS, U.S. Citizenship and Immigration Services USCIS and request a Social Security card from the Social Security Administration at the same time. For more information on this process , read Apply For Your Social Security Number While Applying For Your Work Permit. If you submit evidence of lawful work - authorized status along with evidence of your name change , we can issue you a corrected card with your new name. Student: F-1 If you are an F-1 student and eligible to work on campus , you must provide a letter from your designated school official that : Identifies you ; Confirms your current school status ; and Identifies your employer and the type of work you are, or will be, doing. We also need to see evidence of that employment, such as a recent pay slip or a letter from your employer. Your supervisor must sign and date the letter. The letter must describe : Your job; Your employment start date ; The number of hours you are, or will be, working ; and Your supervisor's name and telephone number. If you are an F-1 student authorized to work in curricular practical training , you must provide us your Form I-20 with the employment page completed and signed by your designated school official. If you are an F-1 student and have a work permit I-766 from DHS , you must present it. J-1 If you are a J-1 student, student intern or international visitor , you must provide a letter from your sponsor. The letter should be on sponsor letterhead with an original signature that authorizes your employment. If you do not have permission to work : Lawfully admitted noncitizens can get many benefits and services without a Social Security number. You do not need a number to conduct business with a bank, register for school, apply for educational tests, obtain private health insurance, apply for school lunch programs or apply for subsidized housing. You cannot get a Social Security number for the sole purpose of obtaining a driver's license. Citizenship If you have not already established your U.S. citizenship with us , we need to see proof of U.S. citizenship. We can accept only certain documents as proof of U.S. citizenship. These include : U.S. passport ; Certificate of Naturalization N-550/N-570 ; Certificate of Citizenship N-560/N-561 ; Certificate of Report of Birth DS-1350 ; Consular Report of Birth Abroad FS-240, CRBA. Important We require citizenship documentation only if you are a U.S. citizen and you have NOT already established U.S. citizenship with us.", "Corrected Card for a U.S. Born Adult \nIf you legally change your name because of marriage, divorce, court order or any other reason , you need to tell Social Security so that you can get a corrected card. If you are working , also tell your employer. If you do not tell us when your name changes , it may : Prevent your wages from being posted correctly to your Social Security record, which may lower the amount of your future Social Security benefits. Cause delays when you file your taxes. Important We cannot accept photocopies or notarized copies. We cannot accept a receipt showing you applied for the document. All documents must be current not expired. We may use one document for two purposes. For example , we may use your U.S. passport as proof of both citizenship and identity.  What original documents do I need? \nCitizenship If you have not already established your U.S. citizenship with us , we need to see proof of U.S. citizenship. We can accept only certain documents as proof of U.S. citizenship. These include a U.S. birth certificate or U.S. passport. Important This documentation is only required if you haveNOT already established citizenship with us. Name Change If you need to change your name on your Social Security card , you must show us proof of your legal name change. Documents Social Security may accept to prove a legal name change include : Marriage document ; Divorce decree ; Certificate of Naturalization showing the new name ; or Court order approving the name change. If the document you provide as evidence of a legal name change does not give us enough information to identify you in our records or if you changed your name more than two years ago four years ago if you are under 18 years of age , you must show us an identity document in your prior name as shown in our records. We will accept an identity document in your old name that has expired. If you do not have an identity document in your prior name , we may accept an unexpired identity document in your new name, as long as we can properly establish your identity in our records. Identity We can accept only certain documents as proof of identity. An acceptable document must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph. For example , as proof of identity Social Security must see your : U.S. driver's license ; State - issued non - driver identification card ; or U.S. passport. If you do not have one of these specific documents or you cannot get a replacement for one of them within 10 days , we will ask to see other documents. Any documents submitted, including the following, must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph : Employee identification card ; School identification card ; Health insurance card not a Medicare card ; or U.S. military identification card. Note Your new card will have the same number as your previous card, but will show your new name. We will mail your card as soon as we have all of your information and have verified your documents.", "Corrected Card for a Foreign Born U.S. Citizen Child \nIf you legally change your child's name because of adoption, court order or any other reason , you need to tell Social Security so that your child can get a corrected card. If your child is working , also tell your child's employer. If you do not tell us when your child's name changes , it may : Delay your tax refund or your child's refund ; and Prevent your child's wages from being posted correctly to your child's Social Security record, which may lower the amount of your child's future Social Security benefits. Important You must present original documents or copies certified by the agency that issued them. We cannot accept photocopies or notarized copies. All documents must be current not expired. We cannot accept a receipt showing you applied for the document.  What original documents do I need? \nCitizenship If you have not previously established your child's U.S. citizenship with us , we need to see proof of U.S. citizenship. We can accept only certain documents as proof of U.S. citizenship. These include : Certification of Report of Birth DS-1350 ; Consular Report of Birth Abroad FS-240 ; U.S. passport ; Certificate of Naturalization N-550/N-570 ; or Certificate of Citizenship N-560/N-561. Name Change If you need to change the name on your child's Social Security card , you must show us proof of your child's legal name change. Documents Social Security may accept to prove your child's legal name change include : Final adoption decree with the new name ; Certificate of Naturalization showing the new name ; or Court order approving the name change. If the document you provide as evidence of your child's legal name change does not give us enough information to identify your child in our records or if you changed your child's name more than four years ago , you must show us an identity document in your child's prior name as shown in our records. We will accept an identity document in your child's old name that has expired. If you do not have an identity document in your child's prior name , we may accept an unexpired identity document in your child's new name as long as we can properly establish your child's identity in our records. Identity Your child : We can accept only certain documents as proof of your child's identity. An acceptable document must show your child's name, identifying information i.e., age, date of birth, or parents' names and preferably a recent photograph. We generally can accept a non - photo identity document if it has enough information to identify the child such as the child's name and age, date of birth or parents' names. We prefer to see the child's U.S. passport. If that document is not available , we may accept the child's : State - issued non - driver's identification card ; Adoption decree ; Doctor, clinic or hospital record ; Religious record ; School daycare center record ; or School identification card. You : We also must see proof of your identity. An acceptable document must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph. For example , as proof of identity Social Security must see your : U.S. driver's license ; State - issued non - driver identification card ; or U.S. passport. If you do not have one of these specific documents or you cannot get a replacement for one of them within 10 days , we will ask to see other documents. Any documents submitted, including the following, must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph : Employee identification card ; School identification card ; Health insurance card not a Medicare card ; or U.S. military identification card. Note Your child's new card will have the same number as your child's previous card, but will show a new name. We will mail your child's card as soon as we have all of your child's information and have verified your child's documents.", "Corrected Card for a Noncitizen Child \nIf you legally change your child's name because of adoption, court order or any other reason , you need to tell Social Security. If your child is working , also tell your child's employer. If you do not tell us when your child's name changes , it may : Delay your tax refund or your child's refund ; and Prevent your child's wages from being posted correctly to your child's Social Security record, which may lower the amount of your child's future Social Security benefits. Important You must present original documents or copies certified by the agency that issued them. We cannot accept photocopies or notarized copies. All documents must be current not expired. We cannot accept a receipt showing you applied for the document.  What original documents do I need? \nImmigration Status To prove your child's U.S. immigration status , you must show us your child's current U.S. immigration document, such as : Form I-551 Lawful Permanent Resident Card, Machine Readable Immigrant Visa ; I-766 Employment Authorization Document, EAD, work permit ; or I-94 Arrival / Departure Record or admission stamp in the unexpired foreign passport. If your child is an F-1 or M-1 student , we must see your child's I-20 Certificate of Eligibility for Nonimmigrant Student Status. If your child is a J-1 or J-2 exchange visitor , you must see your child's DS-2019 Certificate of Eligibility for Exchange Visitor Status. Work Eligibility In general , only noncitizens who have permission to work from DHS can apply for a Social Security number. If you are a foreign worker , we only need to see an I-94 Arrival / Departure Record or admission stamp in the unexpired foreign passport, showing a class of admission permitting work. Some foreign workers must show their I-766 Employment Authorization Document, EAD, work permit from DHS. If you submit evidence of lawful work - authorized status for your child along with evidence of name change , we can issue your child a corrected card with his or her new name. However , if we assigned your child a Social Security number for non - work purposes , special rules apply. If your child is not authorized to work by DHS, we will change your child's name on our records , but we cannot issue a corrected card. Your child cannot use a Social Security number assigned for non - work purposes to work. If your child does use it to work , we will inform DHS. Student : If you are an F-1 student and eligible to work on campus , you must provide a letter from your designated school official that : Identifies you ; Confirms your current school status ; and Identifies your employer and the type of work you are, or will be, doing. We also need to see evidence of that employment, such as a recent pay slip or a letter from your employer. Your supervisor must sign and date the letter. The letter must describe : Your job; Your employment start date ; The number of hours you are, or will be, working ; and Your supervisor's name and telephone number. If you are an F-1 student authorized to work in curricular practical training CPT , you must provide us your Form I-20 with the employment page completed and signed by your designated school official. If you are an F-1 student and have a work permit I-766 from DHS , you must present it. If you are a J-1 student, student intern or international visitor , you must provide a letter from your sponsor. The letter should be on sponsor letterhead with an original signature that authorizes your employment. Name Change If you need to change the name on your child's Social Security record , you must show us proof of your child's legal name change. Documents Social Security may accept to prove your child's legal name change include : Final adoption decree with the new name ; Court order approving the name change. If the document you provide as evidence of your child's legal name change does not give us enough information to identify your child in our records or if you changed your child's name more than four years ago , you must show us an identity document in your child's prior name as shown in our records. We will accept an identity document in your child's old name that has expired. If you do not have an identity document in your child's prior name , we may accept an unexpired identity document in your child's new name, as long as we can properly establish your child's identity in our records. Identity Your child : Social Security will ask to see your child's current U.S. immigration document from DHS. Acceptable immigration documents include your child's : I-551 Permanent Resident Card ; I-94 Arrival / Departure Record with unexpired foreign passport or admission stamp in the unexpired foreign passport ; or I-766 Employment Authorization Document , EAD, work permit from DHS. You : We also must see proof of your identity. An acceptable document must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph. For example , as proof of identity Social Security must see your : U.S. driver's license ; State - issued non - driver identification card ; or U.S. passport. If you do not have one of these specific documents or you cannot get a replacement for one of them within 10 days , we will ask to see other documents. Any documents submitted, including the following, must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph : Employee identification card ; School identification card ; Health insurance card not a Medicare card ; U.S. military identification card ; or Doctor , clinic or hospital record. If you are not a U.S. citizen , Social Security will ask to see your current U.S. immigration document from DHS. Acceptable immigration documents include your : Form I-551 includes machine - readable immigrant visa with unexpired foreign passport ; I-94 or admission stamp in the unexpired foreign passport ; or I-766 Employment Authorization Document , EAD, work permit from DHS. Note If we issue your child a new card , it will have the same number as your child's previous card, but will show a new name. We will mail your child's card as soon as we have all of your child's information and have verified your child's immigration documents.", "Corrected Card for a U.S. Born Child \nIf you legally change your child's name because of adoption, court order or any other reason , you need to tell Social Security so that you can get a corrected card. If your child is working , also tell your child's employer. If you do not tell us when your child's name changes , it may : Delay your tax refund or your child's refund ; and Prevent your child's wages from being posted correctly to your child's Social Security record, which may lower the amount of your child's future Social Security benefits. Important You must present original documents or copies certified by the agency that issued them. We cannot accept photocopies or notarized copies. All documents must be current not expired. We cannot accept a receipt showing you applied for the document.  What original documents do I need? \nCitizenship If you have not already established your child's U.S. citizenship with us , we need to see proof of U.S. citizenship. We can accept only certain documents as proof of U.S. citizenship. These include a U.S. birth certificate or U.S. passport. Important This documentation is only required if your child hasNOT already established citizenship with us. Name Change If you need to change the name on your child's Social Security card , you must show us proof of your child's legal name change. Documents Social Security may accept to prove your child's legal name change include : Final adoption decree with the new name ; Court order approving the name change ; or Amended birth certificate with the new name. If the document you provide as evidence of your child's legal name change does not give us enough information to identify your child in our records or if you changed your child's name more than four years ago , you must show us an identity document in your child's prior name as shown in our records. We will accept an identity document in your child's old name that has expired. If you do not have an identity document in your child's prior name , we may accept an unexpired identity document in your child's new name, as long as we can properly establish your child's identity in our records. Identity Your child : We can accept only certain documents as proof of your child's identity. An acceptable document must show your child's name, identifying information i.e., age, date of birth, or parents' names and preferably a recent photograph. We generally can accept a non - photo identity document if it has enough information to identify the child such as the child's name and age, date of birth or parents' names. We prefer to see the child's U.S. passport. If that document is not available , we may accept the child's : State - issued non - driver's identification card ; Adoption decree ; Doctor, clinic or hospital record ; Religious record ; School daycare center record ; or School identification card. You : We also must see proof of your identity. An acceptable document must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph. For example , as proof of identity Social Security must see your : U.S. driver's license ; State - issued non - driver identification card ; or U.S. passport. If you do not have one of these specific documents or you cannot get a replacement for one of them within 10 days , we will ask to see other documents. Any documents submitted, including the following, must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph : Employee identification card ; School identification card ; Health insurance card not a Medicare card ; or U.S. military identification card. Note Your child's new card will have the same number as your child's previous card, but will show a new name. We will mail your child's card as soon as we have all of your child's information and have verified your child's documents.", "Original Card for a Foreign Born U.S. Citizen Adult \nImportant You must present original documents or copies certified by the agency that issued them. We cannot accept photocopies or notarized copies. All documents must be current not expired. We cannot accept a receipt showing you applied for the document.  What original documents do I need? \nCitizenship We can accept only certain documents as proof of U.S. citizenship. These include : U.S. passport ; Certificate of Naturalization N-550/N-570 ; Certificate of Citizenship N-560/N-561 ; Certificate of Report of Birth DS-1350 ; Consular Report of Birth Abroad FS-240, CRBA. Age You must present your foreign birth certificate if you have it or can get it within 10 days. If not , we will consider other documents such as your passport or a document issued by the Department of Homeland Security DHS as evidence of your age. Anyone age 12 or older requesting an original Social Security number must appear in person for an interview. We will ask for evidence to show you do not have a Social Security number. Here are examples of documents you can use to prove a Social Security number was never assigned : If you lived outside the United States for an extended period , a current or previous passport , school and/or employment records , and any other record that would show long - term residence outside the United States could be used to show you do not have a Social Security number. If you have lived in the United States and you are applying for an original Social Security number , we may ask you for information about the schools you attended or we may ask you to provide copies of tax records that would show you were never assigned a Social Security number. Identity We can accept only certain documents as proof of identity. An acceptable document must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph. For example , as proof of identity Social Security must see your : U.S. driver's license ; State - issued non - driver identification card ; or U.S. passport. If you do not have one of these specific documents or you cannot get a replacement for one of them within 10 days , we will ask to see other documents. Any documents submitted, including the following, must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph : Employee identification card ; School identification card ; Health insurance card not a Medicare card ; or U.S. military identification card. Note We may use one document for two purposes. For example , we may use your U.S. passport as proof of both citizenship and identity. However , you must provide at least two separate documents.", "Original Card for a Noncitizen Adult \nIn general , only noncitizens who have permission to work from the Department of Homeland Security DHS can apply for a Social Security number. If you do not have permission to work but need a Social Security number for other purposes , see \" If you do not have permission to work \" for further information. Important You must present original documents or copies certified by the agency that issued them. We cannot accept photocopies or notarized copies. All documents must be current not expired. We cannot accept a receipt showing you applied for the document.  What original documents do I need? \nImmigration Status To prove your U.S. immigration status , you must show us your current U.S. immigration document, such as : Form I-551 Lawful Permanent Resident Card, Machine Readable Immigrant Visa with your unexpired foreign passport ; I-766 Employment Authorization Document, EAD, work permit ; or I-94 Arrival / Departure Record or admission stamp in the unexpired foreign passport. If you are an F-1 or M-1 student , you also must show us your I-20 Certificate of Eligibility for Nonimmigrant Student Status. If you are a J-1 or J-2 exchange visitor , you must show us your DS-2019 Certificate of Eligibility for Exchange Visitor Status. Work Eligibility In general , only noncitizens who have permission to work from DHS can apply for a Social Security number. If you are a foreign worker , we only need to see your I-94 Arrival / Departure Record or admission stamp in the unexpired foreign passport showing a class of admission permitting work. Some foreign workers must show their I-766 Employment Authorization Document, EAD, work permit from DHS. Student : If you are an F-1 student and eligible to work on campus , you must provide a letter from your designated school official that : Identifies you ; Confirms your current school status ; and Identifies your employer and the type of work you are, or will be, doing. We also need to see evidence of that employment, such as a recent pay slip or a letter from your employer. Your supervisor must sign and date the letter. The letter must describe : Your job; Your employment start date ; The number of hours you are, or will be, working ; and Your supervisor's name and telephone number. If you are an F-1 student authorized to work in curricular practical training CPT , you must provide us your Form I-20 with the employment page completed and signed by your designated school official. If you are an F-1 student and have a work permit I-766 from DHS , you must present it. If you are a J-1 student, student intern or international visitor , you must provide a letter from your sponsor. The letter should be on sponsor letterhead with an original signature that authorizes your employment. If you do not have permission to work : Lawfully admitted noncitizens can get many benefits and services without a Social Security number. You do not need a number to conduct business with a bank, register for school, apply for educational tests, obtain private health insurance, apply for school lunch programs or apply for subsidized housing. You cannot get a Social Security number for the sole purpose of obtaining a driver's license. Government benefits or services : If you do not have permission to work , you may apply for a Social Security number only if : A federal law requires you to provide your Social Security number to get a particular benefit or service ; or A state or local law requires you to provide your Social Security number to get general assistance benefits for which you already have qualified. If you need a number to meet these state or local requirements , you must bring us a letter from the government agency. It must be on letterhead stationery no form letters or photocopies and : Specifically identify you as the applicant ; Cite the law requiring you to have a Social Security number ; Indicate that you meet all the agency's requirements, except having the number; and Contain an agency contact name and telephone number. Taxes: If you need a number for tax purposes and you are not authorized to work in the United States , you can apply for an Individual Taxpayer Identification Number from the Internal Revenue Service IRS. Visit IRS in person or call the IRS toll - free number , 1 - 800-TAXFORM 1 - 800 - 829 - 3676, and request Form W-7 Application for IRS Individual Taxpayer Identification Number. If you are assigned a number for non - work purposes , you cannot use it to work. If you use it to work , we will inform DHS. Age You must present your foreign birth certificate if you have it or can get it within 10 days. If not , we will consider other documents such as your passport or a document issued by DHS as evidence of your age. Anyone age 12 or older requesting an original Social Security numberMUST be interviewed by Social Security. We will ask for evidence to show you do not have a Social Security number. If you lived outside the United States for an extended period , a current or previous passport , school and/or employment records , and any other record that would show long - term residence outside the United States could be used to show you do not have a Social Security number. Identity Social Security will ask to see a current DHS document. Acceptable documents include : I-551 Permanent Resident Card ; I-94 Arrival / Departure Record with unexpired foreign passport or admission stamp in the unexpired foreign passport ; or I-766 Employment Authorization Document , EAD, work permit from DHS. Note We may use one document for two purposes. For example , we may use a DHS work permit as proof of both immigration status and identity. However , you must provide at least two separate documents.", "Original Card for a U.S. Born Adult \nImportant You must present original documents or copies certified by the agency that issued them. We cannot accept photocopies or notarized copies. All documents must be current not expired. We cannot accept a receipt showing you applied for the document.  What original documents do I need? \nCitizenship We can accept only certain documents as proof of U.S. citizenship. These include a U.S. birth certificate or a U.S. passport. Age You must present your birth certificate. If one exists , you must submit it. If a birth certificate does not exist , we may be able to accept your : Religious record made before the age of 5 showing your date of birth ; U.S. hospital record of your birth ; or U.S. passport. Anyone age 12 or older requesting an original Social Security number must appear in person for an interview. We will ask for evidence to show you do not have a Social Security number. Here are examples of documents you can use to prove a Social Security number was never assigned : If you lived outside the United States for an extended period , a current or previous passport , school and/or employment records , and any other record that would show long - term residence outside the United States could be used to show you do not have a Social Security number. If you have lived in the United States and you are applying for an original Social Security number , we may ask you for information about the schools you attended or we may ask you to provide copies of tax records that would show you were never assigned a Social Security number. Identity We can accept only certain documents as proof of identity. An acceptable document must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph. For example , as proof of identity Social Security must see your : U.S. driver's license ; State - issued non - driver identification card ; or U.S. passport. If you do not have one of these specific documents or you cannot get a replacement for one of them within 10 days , we will ask to see other documents. Any documents submitted, including the following, must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph : Employee identification card ; School identification card ; Health insurance card not a Medicare card ; or U.S. military identification card. Note We may use one document for two purposes. For example , we may use your U.S. passport as proof of both citizenship and identity. However , you must provide at least two separate documents.", "Original Card for a Foreign Born U.S. Citizen Adopted Child \nInformation You must present original documents or copies certified by the agency that issued them. We cannot accept photocopies or notarized copies. All documents must be current not expired. We cannot accept a receipt showing you applied for the document. Adoption In some cases , we can assign your adopted child a number before the adoption is complete , but you may want to wait. Then , you can apply for the number using your child's new name. If you want to claim your child for tax purposes while the adoption is still pending , contact the Internal Revenue Service for Form W-7A, Application for Taxpayer Identification Number for Pending U.S. Adoptions. For more information, see Social Security Numbers For Children (Publication No. 05-10023).  What original documents do I need? \nCitizenship We can accept only certain documents as proof of U.S. citizenship. These include a U.S. passport, Certificate of Naturalization N-550/N-570 or Certificate of Citizenship N-560/N-561. Foreign - born adopted children residing permanently in the United States may automatically acquire U.S. citizenship when they meet certain requirements. We may accept the following as evidence of U.S. citizenship : Certificate of Citizenship N-560/N-561 ; Certificate of Naturalization N-550/N-570 ; Machine Readable Immigrant Visa MRIV showing a category code of IR3 or IH3 ; or U.S. passport. Age You must present your child's foreign birth certificate if you have it or can get it within 10 days. If not , we will consider other documents such as your child's passport or a document issued by the Department of Homeland Security DHS as evidence of your child's age. Anyone age 12 or older requesting an original Social Security number must appear in person for an interview. We will ask for evidence to show that your child does not have a Social Security number. Here are examples of documents you can use to prove a Social Security number was never assigned : If your child lived outside the United States for an extended period , a current or previous passport , school and/or employment records , and any other record that would show long - term residence outside the United States could be used to show that your child does not have a Social Security number. If your child has lived in the United States and is applying for an original Social Security number , we may ask you for information about the schools your child attended or we may ask you to provide copies of tax records that would show that your child was never assigned a Social Security number. Identity Your child : We can accept only certain documents as proof of your child's identity. An acceptable document must show your child's name, identifying information i.e., age, date of birth, or parents' names and preferably a recent photograph. We generally can accept a non - photo identity document if it has enough information to identify the child such as the child's name and age, date of birth or parents' names. We prefer to see the child's U.S. passport. If that document is not available , we may accept the child's : State - issued non - driver's identification card ; Adoption decree ; Doctor, clinic or hospital record ; Religious record ; School daycare center record ; or School identification card. You : We also must see proof of your identity. An acceptable document must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph. For example , as proof of identity Social Security must see your : U.S. driver's license ; State - issued non - driver identification card ; or U.S. passport. If you do not have one of these specific documents or you cannot get a replacement for one of them within 10 days , we will ask to see other documents. Any documents submitted, including the following, must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph : Employee identification card ; School identification card ; Health insurance card not a Medicare card ; or U.S. military identification card. Note We may use one document for two purposes. For example , we may use your U.S. passport as proof of both citizenship and identity. However , you must provide at least two separate documents.", "Original Card for a Foreign Born U.S. Citizen Child \nImportant You must present original documents or copies certified by the agency that issued them. We cannot accept photocopies or notarized copies. All documents must be current not expired. We cannot accept a receipt showing you applied for the document.  What original documents do I need? \nCitizenship We can accept only certain documents as proof of U.S. citizenship. These include : Certification of Report of Birth DS-1350 ; Consular Report of Birth Abroad FS-240 ; U.S. passport ; Certificate of Citizenship N-560/N-561 ; Certificate of Naturalization N-550/N-570. Age You must present your child's foreign birth certificate if you have it or can get it within 10 days. If not , we will consider other documents such as your child's passport or a document issued by DHS as evidence of your child's age. Anyone age 12 or older requesting an original Social Security number must appear in person for an interview. We will ask for evidence so we can check our records that we have not already issued a Social Security card to your child. Here are examples of documents that we may need to see : If your child lived outside the United States for an extended period , a current or previous passport , school and/or employment records , and any other record that would show long - term residence outside the United States. If your child has lived in the United States information about the schools your child attended , and copies of tax records. Identity Your child : We can accept only certain documents as proof of your child's identity. An acceptable document must show your child's name, identifying information i.e., age, date of birth, or parents' names and preferably a recent photograph. We generally can accept a non - photo identity document if it has enough information to identify the child such as the child's name and age, date of birth or parents' names. We prefer to see the child's U.S. passport. If that document is not available , we may accept the child's : State - issued non - driver's identification card ; Adoption decree ; Doctor, clinic or hospital record ; Religious record ; School daycare center record ; or School identification card. You : We also must see proof of your identity. An acceptable document must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph. For example , as proof of identity Social Security must see your : U.S. driver's license ; State - issued non - driver identification card ; or U.S. passport. If you do not have one of these specific documents or you cannot get a replacement for one of them within 10 days , we will ask to see other documents. Any documents submitted, including the following, must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph : Employee identification card ; School identification card ; Health insurance card not a Medicare card ; or U.S. military identification card. Note We may use one document for two purposes. For example , we may use your U.S. passport as proof of both citizenship and identity. However , you must provide at least two separate documents.", "Original Card for a Noncitizen Child \nIn general , only noncitizens who have permission to work from the Department of Homeland Security DHS can apply for a Social Security number. If your child does not have permission to work but needs a Social Security number for other purposes , see \" If your child does not have permission to work \" for further information. Important You must present original documents or copies certified by the agency that issued them. We cannot accept photocopies or notarized copies. All documents must be current not expired. We cannot accept a receipt showing you applied for the document. Adoption In some cases , we can assign your adopted child a number before the adoption is complete , but you may want to wait. Then , you can apply for the number using your child's new name. If you want to claim your child for tax purposes while the adoption is still pending , contact the Internal Revenue Service for Form W-7A, Application for Taxpayer Identification Number for Pending U.S. Adoptions. For more information, see Social Security Numbers For Children (Publication No. 05-10023).  What original documents do I need? \nImmigration Status To prove your child's U.S. immigration status , you must show us your child's current U.S. immigration document, such as : I-551 Lawful Permanent Resident Card, Machine Readable Immigrant Visa ; I-766 Employment Authorization Document, EAD, work permit ; or I-94 Arrival / Departure Record or admission stamp in the unexpired foreign passport. If your child is an F-1 or M-1 student , we must see your child's I-20 Certificate of Eligibility for Nonimmigrant Student Status. If your child is a J-1 or J-2 exchange visitor , you must see your child's DS-2019 Certificate of Eligibility for Exchange Visitor Status. Work Eligibility In general , only noncitizens who have permission to work from DHS can apply for a Social Security number. For most foreign workers , we only need to see an I-94 Arrival / Departure Record or admission stamp in the unexpired foreign passport showing a class of admission permitting work. Some foreign workers must show their I-766 Employment Authorization Document, EAD, work permit from DHS. Student : If you are an F-1 student and eligible to work on campus , you must provide a letter from your designated school official that : Identifies you ; Confirms your current school status ; and Identifies your employer and the type of work you are, or will be, doing. We also need to see evidence of that employment, such as a recent pay slip or a letter from your employer. Your supervisor must sign and date the letter. The letter must describe : Your job; Your employment start date ; The number of hours you are, or will be, working ; and Your supervisor's name and telephone number. If you are an F-1 student authorized to work in curricular practical training CPT , you must provide us your Form I-20 with the employment page completed and signed by your designated school official. If you are an F-1 student and have a work permit I-766 from DHS , you must present it. If you are a J-1 student, student intern or international visitor , you must provide a letter from your sponsor. The letter should be on sponsor letterhead with an original signature that authorizes your employment. If your child does not have permission to work : Lawfully admitted noncitizens can get many benefits and services without a Social Security number. You do not need a number to conduct business with a bank, register for school, apply for educational tests, obtain private health insurance, apply for school lunch programs or apply for subsidized housing. You cannot get a Social Security number for the sole purpose of obtaining a driver's license. Government benefits or services : If your child does not have permission to work , the child may apply for a Social Security number only if : A federal law requires your child to provide a Social Security number to get a particular benefit or service ; or A state or local law requires you to provide your Social Security number to get general assistance benefits for which you already have qualified. If your child needs a number to meet these state or local requirements , you must bring us a letter from the government agency. It must be on letterhead stationery no form letters or photocopies and : Specifically identify your child as the applicant ; Cite the law requiring your child to have a Social Security number ; Indicate that your child meets all the agency's requirements, except having the number ; and Contain an agency contact name and telephone number. Taxes: If you need a number for your child for tax purposes and your child is not authorized to work in the United States , you can apply for an Individual Taxpayer Identification Number for your child from the Internal Revenue Service IRS. Visit IRS in person or call the IRS toll - free number , 1 - 800-TAXFORM 1 - 800 - 829 - 3676, and request Form W-7A Application for Taxpayer Identification Number for Pending U.S. Adoptions. If you are assigned a number for non - work purposes , you cannot use it to work. If you use it to work , we will inform DHS. Age You must present your child's foreign birth certificate if you have it or can get it within 10 days. If not , we will consider other documents such as your child's passport or a document issued by DHS as evidence of your child's age. Anyone age 12 or older requesting an original Social Security number must appear in person for an interview. We will ask for evidence to show that your child does not have a Social Security number. If your child lived outside the United States for an extended period , a current or previous passport , school and/or employment records , and any other record that would show long - term residence outside the United States could be used to show that your child does not have a Social Security number. Identity Your child : Social Security will ask to see your child's current DHS document. Acceptable documents include : I-551 Permanent Resident Card ; I-94 Arrival / Departure Record with unexpired foreign passport ; or I-766 Employment Authorization Document , EAD, work permit from DHS. If your child does not have a current DHS document , we can accept only certain documents as proof of your child's identity. An acceptable document must show your child's name, identifying information i.e., age, date of birth, or parents' names and preferably a recent photograph. We generally can accept a non - photo identity document if it has enough information to identify the child such as the child's name and age, date of birth or parents' names. We prefer to see the child's U.S. passport. If that document is not available , we may accept the child's : Adoption decree ; Doctor, clinic or hospital record ; Religious record ; School daycare center record ; or School identification card. You : We also must see proof of your identity. An acceptable document must show your child's name, identifying information i.e., age, date of birth, or parents' names and preferably a recent photograph. For example , as proof of identity Social Security must see your : U.S. driver's license ; State - issued non - driver identification card ; or U.S. passport. If you do not have one of these specific documents or you cannot get a replacement for one of them within 10 days , we will ask to see other documents. Any documents submitted, including the following, must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph : Employee identification card ; School identification card ; Health insurance card not a Medicare card ; or U.S. military identification card. If you are not a U.S. citizen , Social Security will ask to see a current DHS document. Acceptable documents include : I-551 Permanent Resident Card ; I-94 Arrival / Departure Record with unexpired foreign passport ; or I-766 Employment Authorization Document , EAD, work permit from DHS. Note We may use one document for two purposes. For example , we may use a DHS work permit as proof of both immigration status and identity. However , you must provide at least two separate documents.", "Original Card for a U.S. Born Child \nImportant Social Security must verify a birth record for all U.S .- born applicants who apply for an original Social Security number. An exception is made for a parent who applies for a baby's Social Security number at the hospital when the baby is born. To verify a birth record , Social Security will contact the office that issued it. All documents must be either originals or copies certified by the issuing agency. We cannot accept photocopies or notarized copies of documents. We also cannot accept a receipt showing you applied for the document. Get a certified copy of a document showing a birth, marriage or divorce that took place in the U.S. Adoption In some cases , we can assign your adopted child a number before the adoption is complete , but you may want to wait. Then , you can apply for the number using your child's new name. If you want to claim your child for tax purposes while the adoption is still pending , contact the Internal Revenue Service for Form W-7A, Application for Taxpayer Identification Number for Pending U.S. Adoptions. For more information, see Social Security Numbers For Children (Publication No. 05-10023).  What original documents do I need? \nCitizenship We can accept only certain documents as proof of U.S. citizenship. These include a U.S. birth certificate or U.S. passport. Age If your child has or can obtain a U.S .- State - Issued birth certificate that recorded his or her birth before age 5 , you must submit it. If not , we can consider other documents, such as your child's passport, to prove his or her age. Anyone age 12 or older requesting an original Social Security number must appear in person for an interview. We will ask for evidence to show that your child does not have a Social Security number. Here are examples of documents you can use to prove a Social Security number was never assigned : If your child lived outside the United States for an extended period , a current or previous passport , school and/or employment records , and any other record that would show long - term residence outside the United States could be used to show that your child does not have a Social Security number. If your child has lived in the United States and is applying for an original Social Security number , we may ask you for information about the schools your child attended or we may ask you to provide copies of tax records that would show that your child was never assigned a Social Security number. Identity Your child : While you can use a birth certificate to prove age or citizenship , you cannot use it as proof of identity. Social Security needs evidence that shows the child continues to exist beyond the date of birth. We can accept only certain documents as proof of your child's identity. An acceptable document must show your child's name, identifying information i.e., age, date of birth, or parents' names and preferably a recent photograph. We generally can accept a non - photo identity document if it has enough information to identify the child such as the child's name and age, date of birth or parents' names. We prefer to see the child's U.S. passport. If that document is not available , we may accept the child's : State - issued non - driver's identification card ; Adoption decree ; Doctor, clinic or hospital record ; Religious record ; School daycare center record ; or School identification card. You : We also must see proof of your identity. An acceptable document must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph. For example , as proof of identity Social Security must see your : U.S. driver's license ; State - issued non - driver identification card ; or U.S. passport. If you do not have one of these specific documents or you cannot get a replacement for one of them within 10 days , we will ask to see other documents. Any documents submitted, including the following, must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph : Employee identification card ; School identification card ; Health insurance card not a Medicare card ; or U.S. military identification card. Note We may use one document for two purposes. For example , we may use your U.S. passport as proof of both citizenship and identity. However , you must provide at least two separate documents.", "Replacement Card for a Foreign Born U. S. Citizen Adult \nYou can replace your Social Security card for free if it is lost or stolen. However , you may not need to get a replacement card. Knowing your Social Security number is what's important. You are limited to three 3 replacement cards in a year and 10 during your lifetime. Legal name changes do not count toward these limits. Also , you may not be affected by these limits if you can prove you need the card to prevent a significant hardship. Important You must present original documents or copies certified by the agency that issued them. We cannot accept photocopies or notarized copies. All documents must be current not expired. We cannot accept a receipt showing you applied for the document. You may be able to request your replacement Social Security card online. Our online service is a fast and secure way to get a replacement. If you are age 18 or older with a U.S. mailing address and have amySocial Securityaccount , you can apply for a replacement card online. For more information about creating my Social Security account and getting a replacement card online , visit our Social Security Number and Card website.  What original documents do I need? \nCitizenship If you have not already established your U.S. citizenship with us , we need to see proof of U.S. citizenship. We can accept only certain documents as proof of U.S. citizenship. These include : U.S. passport ; Certificate of Naturalization N-550/N-570 ; Certificate of Citizenship N-560/N-561 ; Certificate of Report of Birth DS-1350 ; Consular Report of Birth Abroad FS-240, CRBA. Identity We can accept only certain documents as proof of identity. An acceptable document must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph. For example , as proof of identity Social Security must see your : U.S. driver's license ; State - issued non - driver identification card ; or U.S. passport. If you do not have one of these specific documents or you cannot get a replacement for one of them within 10 days , we will ask to see other documents. Any documents submitted, including the following, must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph : Employee identification card ; School identification card ; Health insurance card not a Medicare card ; or U.S. military identification card. Note We may use one document for two purposes. For example , we may use your U.S. passport as proof of both citizenship and identity.", "Replacement Card for a Noncitizen Adult \nYou can replace your Social Security card for free if it is lost or stolen. However , you may not need to get a replacement card, knowing your Social Security number is what's important. You are limited to three 3 replacement cards in a year and 10 during your lifetime. Legal name changes and other exceptions do not count toward these limits. Also , you may not be affected by these limits if you can prove you need the card to prevent a significant hardship. In general , only noncitizens who have permission to work from the Department of Homeland Security DHS can apply for a Social Security number. If you do not have permission to work but need a Social Security number for other purposes , see \" If you do not have permission to work \" for further information. Important You must present original documents or copies certified by the agency that issued them. We cannot accept photocopies or notarized copies. All documents must be current not expired. We cannot accept a receipt showing you applied for the document.  What original documents do I need? \nImmigration Status To prove your U.S. immigration status , you must show us your current U.S. immigration document, such as : Form I-551 Lawful Permanent Resident Card, Machine Readable Immigrant Visa ; I-766 Employment Authorization Document, EAD, work permit ; or I-94 Arrival / Departure Record or admission stamp in the unexpired foreign passport. If you are an F-1 or M-1 student , you also must show us your I-20 Certificate of Eligibility for Nonimmigrant Student Status. If you are a J-1 or J-2 exchange visitor , you must show us your DS-2019 Certificate of Eligibility for Exchange Visitor Status. Work Eligibility In general , only noncitizens who have permission to work from DHS can apply for a Social Security number. If you are a foreign worker , we only need to see an I-94 Arrival / Departure Record or admission stamp in the unexpired foreign passport showing a class of admission permitting work. Some foreign workers must show their I-766 Employment Authorization Document, EAD, work permit from DHS. Student : If you are an F-1 student and eligible to work on campus , you must provide a letter from your designated school official that : Identifies you ; Confirms your current school status ; and Identifies your employer and the type of work you are, or will be, doing. We also need to see evidence of that employment, such as a recent pay slip or a letter from your employer. Your supervisor must sign and date the letter. The letter must describe : Your job; Your employment start date ; The number of hours you are, or will be, working ; and Your supervisor's name and telephone number. If you are an F-1 student authorized to work in curricular practical training CPT , you must provide us your Form I-20 with the employment page completed and signed by your designated school official. If you are an F-1 student and have a work permit I-766 from DHS , you must present it. If you are a J-1 student, student intern or international visitor , you must provide a letter from your sponsor. The letter should be on sponsor letterhead with an original signature that authorizes your employment. If you do not have permission to work : Lawfully admitted noncitizens can get many benefits and services without a Social Security number. You do not need a number to conduct business with a bank, register for school, apply for educational tests, obtain private health insurance, apply for school lunch programs or apply for subsidized housing. You cannot get a Social Security number for the sole purpose of obtaining a driver's license. Government benefits or services : If you do not have permission to work , you may apply for a Social Security number only if : A federal law requires you to provide your Social Security number to get a particular benefit or service ; or A state or local law requires you to provide your Social Security number to get general assistance benefits for which you already have qualified. If you need a number to meet these state or local requirements , you must bring us a letter from the government agency. It must be on letterhead stationery no form letters or photocopies and : Specifically identify you as the applicant ; Cite the law requiring you to have a Social Security number ; Indicate that you meet all the agency's requirements, except having the number; and Contain an agency contact name and telephone number. Taxes: If you need a number for tax purposes and you are not authorized to work in the United States , you can apply for an Individual Taxpayer Identification Number from the Internal Revenue Service IRS. Visit IRS in person or call the IRS toll - free number , 1 - 800-TAXFORM 1 - 800 - 829 - 3676, and request Form W-7 Application for IRS Individual Taxpayer Identification Number. If you are assigned a number for non - work purposes , you cannot use it to work. If you use it to work , we will inform DHS. Identity Social Security will ask to see a current DHS document. Acceptable documents include : I-551 Permanent Resident Card ; I-94 Arrival / Departure Record with unexpired foreign passport or admission stamp in the unexpired foreign passport ; or I-766 Employment Authorization Document , EAD, work permit from DHS. Note We may use one document for two purposes. For example , we may use a DHS work permit as proof of both immigration status and identity.", "Replacement Card for a U.S. Born Adult \nYou can replace your Social Security card for free if it is lost or stolen. However , you may not need to get a replacement card. Knowing your Social Security number is what is important. You are limited to three replacement cards in a year and 10 during your lifetime. Legal name changes and other exceptions do not count toward these limits. For example , changes in immigration status that require card updates may not count toward these limits. Also , you may not be affected by these limits if you can prove you need the card to prevent a significant hardship. Important You must present original documents or copies certified by the agency that issued them. We cannot accept photocopies or notarized copies. All documents must be current not expired. We cannot accept a receipt showing you applied for the document. You may be able to request your replacement Social Security card online. Our online service is a fast and secure way to get a replacement. If you are age 18 or older with a U.S. mailing address and have amySocial Securityaccount , you can apply for a replacement card online. For more information about creating my Social Security account and getting a replacement card online , visit our Social Security Number and Card website.  What original documents do I need? \nCitizenship If you have not already established your U.S. citizenship with us , we need to see proof of U.S. citizenship. We can accept only certain documents as proof of U.S. citizenship. These include a U.S. birth certificate or U.S. passport. Identity We can accept only certain documents as proof of identity. An acceptable document must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph. For example , as proof of identity Social Security must see your : U.S. driver's license ; State - issued non - driver identification card ; or U.S. passport. If you do not have one of these specific documents or you cannot get a replacement for one of them within 10 days , we will ask to see other documents. Any documents submitted, including the following, must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph : Employee identification card ; School identification card ; Health insurance card not a Medicare card ; or U.S. military identification card. Note We may use one document for two purposes. For example , we may use your U.S. passport as proof of both citizenship and identity.", "Replacement Card for a Foreign Born U.S. Child \nYou can replace your child's Social Security card for free if it is lost or stolen. However you may not need to get a replacement card , knowing your child s Social Security number is what's important. You are limited to three 3 replacement cards in a year and 10 during a lifetime. Legal name changes do not count toward these limits. Also , you may not be affected by these limits if you can prove you need the card to prevent a significant hardship. Important You must present original documents or copies certified by the agency that issued them. We cannot accept photocopies or notarized copies. All documents must be current not expired. We cannot accept a receipt showing you applied for the document.  What original documents do I need? \nCitizenship If you have not previously reported the child's U.S. citizenship to us , we need to see proof of U.S. citizenship. We can accept only certain documents as proof of U.S. citizenship. These include : Certification of Report of Birth DS-1350 ; Consular Report of Birth Abroad FS-240, CRBA ; U.S. passport or Certificate of Citizenship N-560/N-561. Identity Your child : We can accept only certain documents as proof of your child's identity. An acceptable document must show your child's name, identifying information i.e., age, date of birth, or parents' names, and preferably a recent photograph. We generally can accept a non - photo identity document if it has enough information to identify the child such as the child's name and age, date of birth, or parents' names. We prefer to see the child's U.S. passport. If that document is not available , we may accept the child's : State issued non - driver's identification card ; Adoption decree ; Doctor, clinic or hospital record ; Religious record ; School daycare center record ; or School identification card. You : We also must see proof of your identity. An acceptable document must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph. For example , as proof of identity Social Security must see your : U.S. driver's license ; State - issued non - driver identification card ; or U.S. passport. If you do not have one of these specific documents or you cannot get a replacement for one of them within 10 days , we will ask to see other documents. Any documents submitted, including the following, must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph : Employee identification card ; School identification card ; Health insurance card not a Medicare card ; or U.S. military identification card. Note We may use one document for two purposes. For example , we may use your U.S. passport as proof of both citizenship and identity.", "Replacement Card for a Noncitizen Child \nYou can replace your child's Social Security card for free if it is lost or stolen. You are limited to three replacement cards in a year and 10 during a lifetime. Legal name changes and other exceptions do not count toward these limits. For example , changes in immigration status that require card updates may not count toward these limits. Also , you may not be affected by these limits if you can prove you need the card to prevent a significant hardship. In general , only noncitizens who have permission to work from the Department of Homeland Security DHS can apply for a Social Security number. If your child does not have permission to work but needs a Social Security number for other purposes , see \" If your child does not have permission to work \" for further information. Important You must present original documents or copies certified by the agency that issued them. We cannot accept photocopies or notarized copies. All documents must be current not expired. We cannot accept a receipt showing you applied for the document.  What original documents do I need? \nImmigration Status To prove your child's U.S. immigration status , you must show us your child's current U.S. immigration document, such as : I-551 Lawful Permanent Resident Card, Machine Readable Immigrant Visa ; I-766 Employment Authorization Document, EAD, work permit ; or I-94 Arrival / Departure Record or admission stamp in the unexpired foreign passport. If your child is an F-1 or M-1 student , we must see your child's I-20 Certificate of Eligibility for Nonimmigrant Student Status. If your child is a J-1 or J-2 exchange visitor , you must see your child's DS-2019 Certificate of Eligibility for Exchange Visitor Status. Work Eligibility In general , only noncitizens who have permission to work from DHS can apply for a Social Security number. For children with work - authorization , we only need to see an I-94 Arrival / Departure Record or admission stamp in the unexpired foreign passport showing a class of admission permitting work. Some children must show their I-766 Employment Authorization Document, EAD, work permit from DHS. Student : If you are an F-1 student and eligible to work on campus , you must provide a letter from your designated school official that : Identifies you ; Confirms your current school status ; and Identifies your employer and the type of work you are, or will be, doing. We also need to see evidence of that employment, such as a recent pay slip or a letter from your employer. Your supervisor must sign and date the letter. The letter must describe : Your job; Your employment start date ; The number of hours you are, or will be, working ; and Your supervisor's name and telephone number. If you are an F-1 student authorized to work in curricular practical training CPT , you must provide us your Form I-20 with the employment page completed and signed by your designated school official. If you are an F-1 student and have a work permit I-766 from DHS , you must present it. If you are a J-1 student, student intern or international visitor , you must provide a letter from your sponsor. The letter should be on sponsor letterhead with an original signature that authorizes your employment. If your child does not have permission to work : Lawfully admitted noncitizens can get many benefits and services without a Social Security number. You do not need a number to conduct business with a bank, register for school, apply for educational tests, obtain private health insurance, apply for school lunch programs or apply for subsidized housing. You cannot get a Social Security number for the sole purpose of obtaining a driver's license. Government benefits or services : If your child does not have permission to work , the child may apply for a Social Security number only if : A federal law requires your child to provide a Social Security number to get a particular benefit or service ; or A state or local law requires you to provide your Social Security number to get general assistance benefits for which you already have qualified. If your child needs a number to meet these state or local requirements , you must bring us a letter from the government agency. It must be on letterhead stationery no form letters or photocopies and : Specifically identify your child as the applicant ; Cite the law requiring your child to have a Social Security number ; Indicate that your child meets all the agency's requirements, except having the number ; and Contain an agency contact name and telephone number. Taxes: If you need a number for your child for tax purposes and your child is not authorized to work in the United States , you can apply for an Individual Taxpayer Identification Number for your child from the Internal Revenue Service IRS. Visit IRS in person or call the IRS toll - free number , 1 - 800-TAXFORM 1 - 800 - 829 - 3676, and request Form W-7A Application for Taxpayer Identification Number for Pending U.S. Adoptions. If you are assigned a number for non - work purposes , you cannot use it to work. If you use it to work , we will inform DHS. Identity Your child : Social Security will ask to see your child's current DHS document. Acceptable documents include : I-551 Permanent Resident Card ; I-94 Arrival / Departure Record with unexpired foreign passport ; or I-766 Employment Authorization Document , EAD, work permit from DHS. If your child does not have a current DHS document , we can accept only certain documents as proof of your child's identity. An acceptable document must show your child's name, identifying information i.e., age, date of birth, or parents' names and preferably a recent photograph. We generally can accept a non - photo identity document if it has enough information to identify the child such as the child's name and age, date of birth or parents' names. If that document is not available , we may accept the child's : State - issued non - driver's identification card ; Adoption decree ; Doctor, clinic or hospital record ; Religious record ; School daycare center record ; or School identification card. You : We also must see proof of your identity. An acceptable document must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph. For example , as proof of identity Social Security must see your : U.S. driver's license ; State - issued non - driver identification card ; or U.S. passport. If you do not have one of these specific documents or you cannot get a replacement for one of them within 10 days , we will ask to see other documents. Any documents submitted, including the following, must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph : Employee identification card ; School identification card ; Health insurance card not a Medicare card ; or U.S. military identification card. If you are not a U.S. citizen , Social Security will ask to see a current DHS document. Acceptable documents include : I-551 Permanent Resident Card ; I-94 Arrival / Departure Record with unexpired foreign passport ; I-766 Employment Authorization Document , EAD, work permit from DHS. Note We may use one document for two purposes. For example , we may use a DHS work permit as proof of both immigration status and identity.", "Replacement Card for a U.S. Born Child \nYou can replace your child's Social Security card for free if it is lost or stolen. You are limited to three replacement cards in a year and 10 during a lifetime. Legal name changes and other exceptions do not count toward these limits. For example , changes in immigration status that require card updates may not count toward these limits. Also , you may not be affected by these limits if you can prove you need the card to prevent a significant hardship. Important You must present original documents or copies certified by the agency that issued them. We cannot accept photocopies or notarized copies. All documents must be current not expired. We cannot accept a receipt showing you applied for the document.  What original documents do I need? \nCitizenship If you have not already established the child's U.S. citizenship with us , we need to see proof of U.S. citizenship. We can accept only certain documents as proof of U.S. citizenship. These include a U.S. birth certificate or U.S. passport. Important This documentation is only required if your child hasNOT already established citizenship with us. Identity Your child : While you can use a birth certificate to prove age or citizenship , you cannot use it as proof of identity. Social Security needs evidence that shows the child continues to exist beyond the date of birth. We can accept only certain documents as proof of your child's identity. An acceptable document must show your child's name, identifying information i.e., age, date of birth, or parents' names and preferably a recent photograph. We generally can accept a non - photo identity document if it has enough information to identify the child such as the child's name and age, date of birth or parents' names. We prefer to see the child's U.S. passport. If that document is not available , we may accept the child's : State Issued non - drivers identification card ; Adoption decree ; Doctor, clinic or hospital record ; Religious record ; School daycare center record ; or School identification card. You : We also must see proof of your identity. An acceptable document must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph. For example , as proof of identity Social Security must see your : U.S. driver's license ; State - issued non - driver identification card ; or U.S. passport. If you do not have one of these specific documents or you cannot get a replacement for one of them within 10 days , we will ask to see other documents. Any documents submitted, including the following, must be current not expired and show your name, identifying information date of birth or age and preferably a recent photograph : Employee identification card ; School identification card ; Health insurance card not a Medicare card ; or U.S. military identification card. If you are not a U.S. citizen , Social Security will ask to see a current DHS document. Acceptable documents include : I-551 Permanent Resident Card ; I-94 Arrival / Departure Record with unexpired foreign passport or admission stamp in the unexpired foreign passport ; or I-766 Employment Authorization Document , EAD, work permit from DHS. Note We may use one document for two purposes. For example , we may use your U.S. passport as proof of both citizenship and identity.", "Benefits Planner: Retirement \n\n\nOnline Calculator (WEP Version) \nThe calculator shown below allows you to estimate your Social Security benefit. However , for the most accurate estimates , use the Detailed Calculator. You need to enter all your past earnings, which are shown on your online. Please Note: The Online Calculator is updated periodically * with new benefit increases and other benefit amounts. Therefore , it is likely that your benefit estimates in the future will differ from those calculated today. The Online Calculator works on PCs and Macs with Javascript enabled. Some browsers may not allow you to print the table below. Note: If your birthday is on January 1st , we figure your benefit as if your birthday was in the previous year. If you qualify for benefits as a Survivor , your full retirement age for survivors benefits may be different.", "Disability Benefits \nLearn about Disability Benefits Social Security pays disability benefits to people who can't work because they have a medical condition that's expected to last at least one year or result in death. Find out if you qualify and how Social Security can help you. USE OUR DISABILITY PLANNER Already Receiving Benefits If you receive Social Security disability benefits , you can get information and services for managing your benefits online. MANAGE YOUR BENEFITS If you prefer to complete your application in a language other than English , the online application will give you the option to schedule an appointment to apply for benefits in your preferred language. The online application is currently only available in English. Apply for DisabilityReturn to a Saved ApplicationCheck Application or Appeal Status  Who can apply for adult disability benefits online? \nYou can use the online application to apply for disability benefits if you : Are age 18 or older ; Are not currently receiving benefits on your own Social Security record ; Are unable to work because of a medical condition that is expected to last at least 12 months or result in death ; and Have not been denied disability benefits in the last 60 days. If your application was recently denied , our Internet Appeal application is a starting point to request a review of the determination we made. You can now also file for Supplemental Security Income SSI online but only if you meet certain requirements. You are eligible to file online for SSI if you : Are between the ages of 18 and 65 ; Have never been married ; Aren t blind ; Are a U.S. citizen residing in one of the fifty states, District of Columbia, or the Northern Mariana Islands ; Haven t applied for or received SSI benefits in the past ; and Are applying for Social Security Disability Insurance at the same time as your SSI claim. Find out if you are eligible to receive Social Security Disability Benefits. Once you finish the online process , a Social Security representative will contact you by telephone or by mail for any additional information needed for the applications. You can also schedule an appointment with a local Social Security office to file an application. Call 1 - 800 - 772 - 1213 TTY 1 - 800 - 325 - 0778 from 7 a.m. to 7 p.m. , Monday through Friday or contact your local Social Security office. ", "How do I apply for benefits? \nHere is what you need to do to apply for benefits online : Print and review the Adult Disability ChecklistIt will help you gather the information you need to complete the application. Complete the Disability Benefit Application.  What information do I need to apply for benefits? \nWe suggest that you have the following information at hand. It will make completing the application much easier.  Information About You \nYour date and place of birth and Social Security number The name , Social Security number and date of birth or age of your current spouse and any former spouse. You should also know the dates and places of marriage and dates of divorce or death if appropriate Names and dates of birth of your minor children Your bank or other financial institution's Routing Transit Number [more info] and the account number , if you want the benefits electronically deposited Information About Your Medical Condition Name, address and phone number of someone we can contact who knows about your medical conditions and can help with your application Detailed information about your medical illnesses, injuries or conditions : Names, addresses, phone numbers, patient ID numbers and dates of treatment for all doctors, hospitals and clinics ; Names of medicines you are taking and who prescribed them ; and Names and dates of medical tests you have had and who sent you for them.  Information About Your Work \nThe amount of money earned last year and this year The name and address of your employer for this year and last year A copy of your The beginning and ending dates of any active U.S. military service you had before 1968 A list of the jobs up to 5 that you had in the 15 years before you became unable to work and the dates you worked at those jobs Information about any workers' compensation, black lung, and/or similar benefits you filed, or intend to file for. These benefits can : Be temporary or permanent in nature ; Include annuities and lump sum payments that you received in the past ; Be paid by your employer or your employer's insurance carrier, private agencies, or Federal, State or other government or public agencies ; and Be referred to as : Workers' Compensation ; Black Lung Benefits ; Longshore and Harbor Workers' Compensation ; Civil Service Disability Retirement ; Federal Employees' Retirement ; Federal Employees' Compensation ; State or local government disability insurance benefits ; or Disability benefits from the military This includes military retirement pensions based on disability but not Veterans' Administration VA benefits. ", "What documents do I need to provide? \nWe may ask you to provide documents to show that you are eligible, such as : Birth certificate or other proof of birth ; Proof of U.S. citizenship or lawful alien status if you were not born in the United States [more Info]; U.S. military discharge paper if you had military service before 1968 ; W-2 forms and/or self - employment tax returns for last year ; Medical evidence already in your possession [more info]. This includes medical records, doctors' reports, and recent test results ; and Award letters, pay stubs, settlement agreements or other proof of any temporary or permanent workers' compensation - type benefits you received [more info]. We accept photocopies of W-2 forms, self - employment tax returns or medical documents , but we must see the original of most other documents, such as your birth certificate. We will return them to you. Do not delay applying for benefits because you do not have all the documents. We will help you get them.  Mailing Your Documents \nIf you mail any documents to us , you must include the Social Security number so that we can match them with the correct application. Do not write anything on the original documents. Please write the Social Security number on a separate sheet of paper and include it in the mailing envelope along with the documents. If you do not want to mail these documents , you may bring them to a Social Security office. Do not mail foreign birth records or any documents from the Department of Homeland Security DHS, formerly the Immigration and Naturalization Service INS, especially those you are required to keep with you at all times. These documents are extremely difficult, time - consuming and expensive to replace if lost. Some cannot be replaced. Instead , bring them to a Social Security office where we will examine them and return them to you. ", "What are the advantages of applying using our online disability application process? \nOur online disability application process offers several advantages. You can: Start your disability claim immediately. There is no need to wait for an appointment. Apply from the convenience of your own home or on any computer. Stop and return to your saved application before submission. Avoid trips to a Social Security office. Complete the process online even if you live outside the United States.  What happens after I apply? \nAfter we receive your online application , we will : Provide confirmation of your application- either electronically or by mail. Review the application. Contact you by telephone or by mail if we need more information or documentation. Inform you if other family members may be able to receive benefits on your record, or if you may be able to receive benefits on another person s record, such as your spouse or your parent. Process your application. Mail our decision to you.  What other ways can I apply? \nYou can also apply : By phone - Call us at 1 - 800 - 772 - 1213 from 7 a.m. to 7 p.m. Monday through Friday. If you are deaf or hard of hearing , you can call us at TTY 1 - 800 - 325 - 0778. In person - Visit your local Social Security office. Call first to make an appointment. If you do not live in the U.S. or one of its territories you can also contact the nearest U.S. Social Security office, U.S. Embassy or consulate.", "Learn about Disability Benefits Social Security pays disability benefits to people who can't work because they have a medical condition that's expected to last at least one year or result in death. Find out if you qualify and how Social Security can help you. USE OUR DISABILITY PLANNER Already Receiving Benefits If you receive Social Security disability benefits , you can get information and services for managing your benefits online. MANAGE YOUR BENEFITS If you prefer to complete your application in a language other than English , the online application will give you the option to schedule an appointment to apply for benefits in your preferred language. The online application is currently only available in English. Apply for DisabilityReturn to a Saved ApplicationCheck Application or Appeal Status  Who can apply for adult disability benefits online? \nYou can use the online application to apply for disability benefits if you : Are age 18 or older ; Are not currently receiving benefits on your own Social Security record ; Are unable to work because of a medical condition that is expected to last at least 12 months or result in death ; and Have not been denied disability benefits in the last 60 days. If your application was recently denied , our Internet Appeal application is a starting point to request a review of the determination we made. You can now also file for Supplemental Security Income SSI online but only if you meet certain requirements. You are eligible to file online for SSI if you : Are between the ages of 18 and 65 ; Have never been married ; Aren t blind ; Are a U.S. citizen residing in one of the fifty states, District of Columbia, or the Northern Mariana Islands ; Haven t applied for or received SSI benefits in the past ; and Are applying for Social Security Disability Insurance at the same time as your SSI claim. Find out if you are eligible to receive Social Security Disability Benefits. Once you finish the online process , a Social Security representative will contact you by telephone or by mail for any additional information needed for the applications. You can also schedule an appointment with a local Social Security office to file an application. Call 1 - 800 - 772 - 1213 TTY 1 - 800 - 325 - 0778 from 7 a.m. to 7 p.m. , Monday through Friday or contact your local Social Security office. ", "Benefits Planner: Retirement \nBenefits For Your Family \nWhen you start receiving Social Security retirement benefits , some members of your family may also qualify to receive benefits on your record. If they qualify , your spouse or child may receive a monthly payment of up to one - half of your full retirement benefit amount. These payments will not decrease your retirement benefit. In fact , the value of the benefits your family may receive, added to your own, may help you decide if taking your benefits sooner may be more advantageous. Benefits paid to your spouse will not decrease your retirement benefit. In fact , the value of the benefits they may receive, added to your own, may help you decide if taking your benefits sooner may be more advantageous.  Maximum Family Benefits \nIf one of your children also qualifies for benefits , there is a limit to the amount we can pay your family. The total depends on your benefit amount and the number of family members who also qualify on your record. The total varies , but generally the total amount you and your family can receive is about 150 to 180 percent of your full retirement benefit. If any of your qualified family members apply for benefits with you , we will ask you for their Social Security numbers and their birth certificates.  Benefits For Your Spouse \nEven if they have never worked under Social Security , your spouse may be able to get benefits if they are at least 62 years of age and you are receiving or eligible for retirement or disability benefits. Your spouse can also qualify for Medicare at age 65. ", "How Much Will My Spouse Receive? \nIf your spouse qualifies for benefits on their own record , we will pay that amount first. If the benefit on your record is higher , they will get an additional amount on your record so that the combination of benefits equals that higher amount. If they begin receiving benefits : between age 62 and their full retirement age , the amount will be permanently reduced by a percentage based on the number of months up to their full retirement age. If your spouse is under full retirement age and : works while receiving benefits , their benefits may be affected by the retirement earnings test. also qualifies on their own record , their application will include both benefits. at their full retirement age , the spouse s benefit cannot exceed one - half of your full retirement amount.", "Benefits For Your Family \nWhen you start receiving Social Security retirement benefits , some members of your family may also qualify to receive benefits on your record. If they qualify , your spouse or child may receive a monthly payment of up to one - half of your full retirement benefit amount. These payments will not decrease your retirement benefit. In fact , the value of the benefits your family may receive, added to your own, may help you decide if taking your benefits sooner may be more advantageous. Benefits paid to your spouse will not decrease your retirement benefit. In fact , the value of the benefits they may receive, added to your own, may help you decide if taking your benefits sooner may be more advantageous.  Maximum Family Benefits \nIf one of your children also qualifies for benefits , there is a limit to the amount we can pay your family. The total depends on your benefit amount and the number of family members who also qualify on your record. The total varies , but generally the total amount you and your family can receive is about 150 to 180 percent of your full retirement benefit. If any of your qualified family members apply for benefits with you , we will ask you for their Social Security numbers and their birth certificates.  Benefits For Your Spouse \nEven if they have never worked under Social Security , your spouse may be able to get benefits if they are at least 62 years of age and you are receiving or eligible for retirement or disability benefits. Your spouse can also qualify for Medicare at age 65. ", "Disability Determination Process \nDisability Home  When To Apply \nYou should apply as soon as you become disabled. If you apply for Social Security , disability benefits will not begin until the sixth full month of disability. The Social Security disability waiting period begins with the first full month after the date we decide your disability began. Supplemental Security Income SSI , we pay SSI disability benefits for the first full month after the date you filed your claim, or, if later, the date you become eligible for SSI.  How To Apply \nYou can apply for Disability benefits online , or if you prefer , you can apply by calling our toll - free number , 1 - 800 - 772 - 1213. Our representatives there can make an appointment for your application to be taken over the telephone or at any convenient Social Security office. People who are deaf or hard of hearing may call our toll - free \" TTY \" number , 1 - 800 - 325 - 0778, between 7 a.m. and 7 p.m. on Monday through Friday.  Some publications that will give you more information on disability benefits. \nThe Disability Starter Kit will help you get ready for your disability interview or online application. Kits are available for adults and for children under age 18. The starter kits provide information about the specific documents and the information that we will request from you. The kits also provide general information about the disability programs and our decision - making process that can help take some of the mystery out of applying for disability benefits. Here are some additional publications with information on disability benefits : Disability Evaluation Under Social Security Also known as The Blue Book - Medical criteria for evaluating Social Security disability claims Social Security Disability Benefits Benefits For Children With Disabilities What You Need To Know When You Get Disability Benefits Working While Disabled...How We Can Help Medicare Receiving Your Benefits By Direct Deposit Social Security : When You'll Get Your Benefit Disability Planner", "When To Apply \nYou should apply as soon as you become disabled. If you apply for Social Security , disability benefits will not begin until the sixth full month of disability. The Social Security disability waiting period begins with the first full month after the date we decide your disability began. Supplemental Security Income SSI , we pay SSI disability benefits for the first full month after the date you filed your claim, or, if later, the date you become eligible for SSI.  How To Apply \nYou can apply for Disability benefits online , or if you prefer , you can apply by calling our toll - free number , 1 - 800 - 772 - 1213. Our representatives there can make an appointment for your application to be taken over the telephone or at any convenient Social Security office. People who are deaf or hard of hearing may call our toll - free \" TTY \" number , 1 - 800 - 325 - 0778, between 7 a.m. and 7 p.m. on Monday through Friday.  Some publications that will give you more information on disability benefits. \nThe Disability Starter Kit will help you get ready for your disability interview or online application. Kits are available for adults and for children under age 18. The starter kits provide information about the specific documents and the information that we will request from you. The kits also provide general information about the disability programs and our decision - making process that can help take some of the mystery out of applying for disability benefits. Here are some additional publications with information on disability benefits : Disability Evaluation Under Social Security Also known as The Blue Book - Medical criteria for evaluating Social Security disability claims Social Security Disability Benefits Benefits For Children With Disabilities What You Need To Know When You Get Disability Benefits Working While Disabled...How We Can Help Medicare Receiving Your Benefits By Direct Deposit Social Security : When You'll Get Your Benefit Disability Planner", "Benefits Planner: Family Benefits \nWhen you start receiving disability benefits , certain members of your family may also qualify for benefits on your record. Benefits may be paid to your : spouse; divorced spouse ; children; disabled child ; and adult child disabled before age 22. If any of your qualified family members apply for benefits , we will ask for their Social Security numbers and their birth certificates. If your spouse is applying for benefits , we may also ask for proof of marriage and dates of prior marriages, if applicable.  Maximum Family Amount \nEach family member may be eligible for a monthly benefit of up to 50 percent of your disability benefit amount. However , there is a limit to the amount we can pay your family. The total depends on your benefit amount and the number of family members who also qualify on your record. The total varies , but generally the total amount you and your family can receive is between 150 and 180 percent of your disability benefit. If the sum of the benefits payable on your account is greater than the family limit , the benefits to the family members will be reduced proportionately. Your benefit will not be affected.  Benefits For Your Spouse \nWhen benefits are payable to your spouse : Age 62 or older , unless he or she collects a higher Social Security benefit based on his or her earnings record. The spouse benefit amount will be permanently reduced by a percentage based on the number of months until his or her full retirement age. At any age if he or she is caring for your child under age 16 or disabled. Your spouse would receive these benefits until the child reaches age 16. At that time, the child's benefits continue , but your spouse's benefits stop unless he or she is old enough to receive retirement benefits age 62 or older or survivor benefits as a widow or widower age 60. ", "If Your Spouse Also Worked Under Social Security \nIf your spouse is eligible for retirement benefits on his or her own record , we will always pay that amount first. But if the spouse benefit that is payable on your record is a higher amount , he or she will get a combination of benefits that equals that higher amount. If your spouse will also receive a pension based on work not covered by Social Security, such as government or foreign work , his or her Social Security benefit on your record may be affected.  Benefits For Your Divorced Spouse \nIf you are divorced, even if you have remarried , your ex - spouse may qualify for benefits on your record. If your ex - spouse will also receive a pension based on work not covered by Social Security, such as government or foreign work, his or her Social Security benefit on your record may be affected. To qualify on your record , your ex - spouse must : have been married to you for at least 10 years ; be at least 62 years old ; be unmarried ; and not be eligible for an equal or higher benefit on his or her own Social Security record, or on someone else's Social Security record.  Benefits For Your Children \nWhen you qualify for Social Security disability benefits , your children may also qualify to receive benefits on your record. Your eligible child can be your biological child, adopted child, or stepchild. A dependent grandchild may also qualify. To receive benefits , the child must be unmarried and be : under age 18 ; or 18 - 19 years old and a full - time student no higher than grade 12 ; or 18 or older and have a disability that started before age 22. Normally , benefits stop when children reach age 18 unless they are disabled. However , if the child is still a full - time student at a secondary or elementary school at age 18 , benefits will continue until the child graduates or until two months after the child becomes age 19, whichever is first. Find out more about Benefits For A Disabled Child. ", "Publications \nDisability Benefits Benefits For Children What You Need To Know When You Get Social Security Disability Benefits Information for Government Employees Benefits For Children With Disabilities", "When you start receiving disability benefits , certain members of your family may also qualify for benefits on your record. Benefits may be paid to your : spouse; divorced spouse ; children; disabled child ; and adult child disabled before age 22. If any of your qualified family members apply for benefits , we will ask for their Social Security numbers and their birth certificates. If your spouse is applying for benefits , we may also ask for proof of marriage and dates of prior marriages, if applicable.  Maximum Family Amount \nEach family member may be eligible for a monthly benefit of up to 50 percent of your disability benefit amount. However , there is a limit to the amount we can pay your family. The total depends on your benefit amount and the number of family members who also qualify on your record. The total varies , but generally the total amount you and your family can receive is between 150 and 180 percent of your disability benefit. If the sum of the benefits payable on your account is greater than the family limit , the benefits to the family members will be reduced proportionately. Your benefit will not be affected.  Benefits For Your Spouse \nWhen benefits are payable to your spouse : Age 62 or older , unless he or she collects a higher Social Security benefit based on his or her earnings record. The spouse benefit amount will be permanently reduced by a percentage based on the number of months until his or her full retirement age. At any age if he or she is caring for your child under age 16 or disabled. Your spouse would receive these benefits until the child reaches age 16. At that time, the child's benefits continue , but your spouse's benefits stop unless he or she is old enough to receive retirement benefits age 62 or older or survivor benefits as a widow or widower age 60. ", "Benefits Planner \nSocial Security can provide you, your spouse, and other eligible members of your family with benefits : when you retire ; if you become disabled ; and when you die. Use our planners to help you better understand your Social Security protection as you plan for your financial future. Then choose a benefit calculator to get estimates of benefits you and your family may be eligible for.  Apply For Benefits Online \nIf you want to apply for retirement benefits, disability benefits, or just Medicare and you meet certain criteria , you can complete your application online. You will be asked to agree to a Terms of Service Agreement and create or log in to your personal my Social Security account. If we are not able to process your request , you will receive specific information on how to contact us by phone or schedule an appointment. If you are the spouse or divorced spouse of a retired or disabled worker , within 3 months of age 62 or older and you meet certain criteria , you can fill out your application for monthly benefits or just Medicare online. For more information about ways to apply , visit For more information about applying for Medicare only and delaying retirement benefits , visit  Retirement Benefits \nUse our Retirement Planner to learn : how you qualify for Social Security retirement benefits ; about possible benefits you may be eligible for on someone else's record ; which members of your family may get benefits based on your earnings record ; and how and when you should apply. ", "Disability Benefits \nUse our Disability Planner to find out how you and your family may qualify for benefits if you become severely disabled before you qualify for retirement benefits. Even very young workers may already have earned disability protection. Learn more about work credits and how they affect disability benefits.  Survivors Benefits \nUse our Survivors Planner to learn : if you die how your family members are protected or how you may qualify as a survivor on someone else's Social Security record. This protection is particularly important for young families with children. Even very young workers may have this protection. Learn more about work credits and how they affect survivors benefits.  Spouse's Benefits \nEven if you never worked under Social Security , you may still qualify for benefits if you are the : spouse or divorced spouse of a retired worker ; spouse or divorced spouse of a disabled worker ; or widow / widower or surviving divorced spouse of a deceased worker.  Online Tools \nUse one of our benefit calculators to help you plan to : Get your online with your personal my Social Security account to verify that your earnings are posted correctly and to get estimates of your future retirement, disability, and survivors benefits. If you already have enough Social Security credits to qualify for benefits , you can use our Retirement Estimator to get a personalized, instant estimate of your retirement benefits. You can enter different dates and ages to determine the best time for you to retire. If you want an estimate for survivors or disability benefits, or you do not already have enough Social Security credits to qualify for benefits , use one of our benefit calculators to estimate your future retirement, disability, and survivors benefits.", "Social Security can provide you, your spouse, and other eligible members of your family with benefits : when you retire ; if you become disabled ; and when you die. Use our planners to help you better understand your Social Security protection as you plan for your financial future. Then choose a benefit calculator to get estimates of benefits you and your family may be eligible for.  Apply For Benefits Online \nIf you want to apply for retirement benefits, disability benefits, or just Medicare and you meet certain criteria , you can complete your application online. You will be asked to agree to a Terms of Service Agreement and create or log in to your personal my Social Security account. If we are not able to process your request , you will receive specific information on how to contact us by phone or schedule an appointment. If you are the spouse or divorced spouse of a retired or disabled worker , within 3 months of age 62 or older and you meet certain criteria , you can fill out your application for monthly benefits or just Medicare online. For more information about ways to apply , visit For more information about applying for Medicare only and delaying retirement benefits , visit  Retirement Benefits \nUse our Retirement Planner to learn : how you qualify for Social Security retirement benefits ; about possible benefits you may be eligible for on someone else's record ; which members of your family may get benefits based on your earnings record ; and how and when you should apply. ", "Benefits Planner: Retirement \nWhat is Government Pension Offset (GPO)? \nIf you will receive a pension for work not covered by Social Security such as government employment , any Social Security benefits you may be eligible to receive on your spouse's record may be reduced. This type of benefit reduction is called GPO. Some individuals are exempt from the offset. If you want to know if you meet the requirements for an exemption , please read the \" When won't my Social Security benefits be reduced? \" section of our \" Government Pension Offset \" factsheet.  Information You Need to Calculate Your Benefits If You Are Affected by the GPO \nTo estimate your future spouse's, widow's, or widower's benefits under the GPO , you need two things : The estimated \" gross \" monthly amount of your pension from your government job not covered by Social Security. The estimated monthly amount of your Social Security benefit as a spouse, widow, or widower before the effect of GPO.  If you will be eligible for spouse's benefits and have access to your spouse's estimate: \nFind the estimated amount of the retirement benefit your spouse would be eligible to receive at full retirement age. If your spouse already receives benefits , ask them what their benefit would be if it started at their full or normal retirement age. Divide this amount in half and round down to the nearest dollar. This is your estimated spouse's benefit if you retire at full retirement age. ", "If you will be eligible for a Social Security retirement benefit based on your own earnings: \nAs well as a higher benefit based on your spouse's earnings , it will also affect your benefits as a spouse, widow, or widower. To get a more accurate estimate of how the government pension you will receive for work not covered by Social Security will affect the part of your benefit based on your spouse's work : Enter the estimated \" gross \" monthly amount of the government pension in today's dollars you will receive for work not covered by Social Security in Step #1 of \" Calculate Your Benefits. \" Use your most recent estimate to determine your estimated retirement benefit based on your own earnings. Subtract the estimated amount of your retirement benefit from the estimated amount of your spouse's, widow's, or widower's benefit before GPO. Enter that amount in Step #2 of \" Calculate Your Benefits \" and select \" Compute. \" The amount in #3 of \" Calculate Your Benefits \" is your estimated spouse's, widow's, or widower's benefit after GPO is applied. Add that figure to the estimated amount of your retirement benefit to find your total estimated monthly benefit.  If you retire before full retirement age: \nYour benefit amount as a spouse will be reduced. (The reduction will vary based on your date of birth. The maximum reduction for benefits starting at age 62 is 30 percent for someone born in 1946. It will increase to 35 percent for those born in 1960 or later.) For more information about your estimated benefit amount if you retire before reaching full retirement age , please call our toll free number at 1 - 800 - 772 - 1213 If you are deaf or hard of hearing, call our TTY number at 1 - 800 - 325 - 0778 or contact your local Social Security office. ", "Calculate Your Benefits \nMore Information \nIf you will be eligible for widow's or widower's benefits or you do not have access to your spouse's estimate or records , please call our toll free number at 1 - 800 - 772 - 1213 If you are deaf or hard of hearing, call our TTY number at 1 - 800 - 325 - 0778. or contact your local Social Security office.", "What is Government Pension Offset (GPO)? \nIf you will receive a pension for work not covered by Social Security such as government employment , any Social Security benefits you may be eligible to receive on your spouse's record may be reduced. This type of benefit reduction is called GPO. Some individuals are exempt from the offset. If you want to know if you meet the requirements for an exemption , please read the \" When won't my Social Security benefits be reduced? \" section of our \" Government Pension Offset \" factsheet.  Information You Need to Calculate Your Benefits If You Are Affected by the GPO \nTo estimate your future spouse's, widow's, or widower's benefits under the GPO , you need two things : The estimated \" gross \" monthly amount of your pension from your government job not covered by Social Security. The estimated monthly amount of your Social Security benefit as a spouse, widow, or widower before the effect of GPO.  If you will be eligible for spouse's benefits and have access to your spouse's estimate: \nFind the estimated amount of the retirement benefit your spouse would be eligible to receive at full retirement age. If your spouse already receives benefits , ask them what their benefit would be if it started at their full or normal retirement age. Divide this amount in half and round down to the nearest dollar. This is your estimated spouse's benefit if you retire at full retirement age. ", "Benefits Planner: Retirement \nBenefits For Your Spouse \nEven if you have never worked under Social Security , you may be able to get spouse s retirement benefits if you are at least 62 years of age and your spouse is receiving retirement or disability benefits. You can also qualify for Medicare at age 65. If you are divorced , you may still be able to get benefits on your ex - spouse's record. For information on the requirements for Divorced Spouse's Benefits , read \" If You Are Divorced You can receive the spouse's benefit no matter what your age is if you are caring for their child who is also receiving benefits.  How Much Will I Receive? \nIf you qualify and apply for your own retirement benefits and for benefits as a spouse , we always pay your own benefits first. If your benefits as a spouse are higher than your own retirement benefits , you will get a combination of benefits equaling the higher spouse benefit. If you begin receiving benefits : between age 62 and your full retirement age , the amount will be permanently reduced by a percentage based on the number of months up to your full retirement age. If you are under full retirement age and you continue to work while receiving benefits , your benefits may be affected by the retirement earnings test. at your full retirement age , your benefit as a spouse cannot exceed one - half of your spouse's full retirement amount. If you were born before January 2 , 1954 and have already reached full retirement age , you can choose to receive only the spouse s benefit and delay receiving your retirement benefit until a later date. If your spouse is full retirement age and applying for spouse s benefits only , they can apply online by using the retirement application. Your spouse can also contact us to schedule an appointment. If your spouse s birthday is January 2 , 1954 or later , the option to take only one benefit at full retirement age no longer exists. If your spouse files for one benefit , they will be effectively filing for all retirement or spousal benefits. If you will receive a pension for work not covered by Social Security such as government employment , the amount of your Social Security benefits on your spouse's record may be reduced. Benefits paid to you as a spouse will not decrease your spouse s retirement benefit. In fact , the value of the benefits you may receive, added to their benefits, may help your spouse decide if taking benefits sooner may be more advantageous. ", "Maximum Family Benefits \nIf one of your spouse's children also qualifies for benefits , there is a limit to the amount we can pay family members. The total depends on your spouse's benefit amount and the number of family members who also qualify on the same record. The total varies , but generally the total amount the worker your spouse and their family members can receive is about 150 to 180 percent of the worker's full retirement benefit.  How Do I Apply? \nYou can apply : Online - Use our Social Security Retirement / Medicare Benefit Application to apply for retirement, spouse's, divorced spouse's or Medicare benefits. If your spouse is already receiving benefits when you apply , or if you and your spouse apply at the same time , we will also check your eligibility for benefits as a spouse. If you qualify , your application will automatically serve as a request for spousal benefits. By phone - Call us at 1 - 800 - 772 - 1213. If you are deaf or hard of hearing , you can call us at TTY 1 - 800 - 325 - 0778. In person - Visit your local Social Security office. Call first to make an appointment. If you do not live in the U.S. or one of its territories you can also - Contact the nearest U.S. Social Security office, U.S. Embassy or consulate.  Next Steps \nEven if you do not qualify for benefits on someone else's record , some members of your family may qualify for benefits on your record. If you: are interested in information about benefits for your family, go to \" Benefits For Your Family. \" never married or had children , go to \" How You Apply For Retirement Benefits Or Medicare. \"", "Benefits For Your Spouse \nEven if you have never worked under Social Security , you may be able to get spouse s retirement benefits if you are at least 62 years of age and your spouse is receiving retirement or disability benefits. You can also qualify for Medicare at age 65. If you are divorced , you may still be able to get benefits on your ex - spouse's record. For information on the requirements for Divorced Spouse's Benefits , read \" If You Are Divorced You can receive the spouse's benefit no matter what your age is if you are caring for their child who is also receiving benefits.  How Much Will I Receive? \nIf you qualify and apply for your own retirement benefits and for benefits as a spouse , we always pay your own benefits first. If your benefits as a spouse are higher than your own retirement benefits , you will get a combination of benefits equaling the higher spouse benefit. If you begin receiving benefits : between age 62 and your full retirement age , the amount will be permanently reduced by a percentage based on the number of months up to your full retirement age. If you are under full retirement age and you continue to work while receiving benefits , your benefits may be affected by the retirement earnings test. at your full retirement age , your benefit as a spouse cannot exceed one - half of your spouse's full retirement amount. If you were born before January 2 , 1954 and have already reached full retirement age , you can choose to receive only the spouse s benefit and delay receiving your retirement benefit until a later date. If your spouse is full retirement age and applying for spouse s benefits only , they can apply online by using the retirement application. Your spouse can also contact us to schedule an appointment. If your spouse s birthday is January 2 , 1954 or later , the option to take only one benefit at full retirement age no longer exists. If your spouse files for one benefit , they will be effectively filing for all retirement or spousal benefits. If you will receive a pension for work not covered by Social Security such as government employment , the amount of your Social Security benefits on your spouse's record may be reduced. Benefits paid to you as a spouse will not decrease your spouse s retirement benefit. In fact , the value of the benefits you may receive, added to their benefits, may help your spouse decide if taking benefits sooner may be more advantageous. ", "Retirement Benefits \nApply for Retirement Benefits \nSocial Security offers an online retirement application that you can complete in as little as 15 minutes. It's so easy. Better yet , you can apply from the comfort of your home or office at a time most convenient for you. There's no need to drive to a local Social Security office or wait for an appointment with a Social Security representative. In most cases , once your application is submitted electronically , you're done. Social Security will process your application and contact you by telephone or by mail if any further information is needed. Apply for Retirement Benefits Return to a Saved Application|Check Application Status If you prefer to complete your application in a language other than English , the online application will give you the option to schedule an appointment to apply for benefits in your preferred language. The online application is currently only available in English.  Questions about our Social Security Retirement Benefits Application \nWho can apply for retirement benefits online? \nYou can apply online for retirement benefits or benefits as a spouse if you : are at least 61 years and 8 months old ; Are not currently receiving benefits on your own Social Security record ; have not already applied for retirement benefits ; and want your benefits to start no more than 4 months in the future. We cannot process your application if you apply for benefits more than 4 months in advance. ", "What about Medicare? \nIf you already have Medicare , you can still use this application to apply for retirement benefits. If you don t have Medicare but are within 3 months of age 65 , you can use this application to apply for : both retirement and Medicare ; or just Medicare , if you aren't ready to receive retirement benefits yet. For more information , go to Medicare.  What do I need to know before I apply? \nBefore you apply for retirement benefits , there are certain Social Security \" basics \" you should know about : Your \" full retirement age \" -Depending on your date of birth , that may be between age 66 and 67. This could affect the amount of your benefits and when you want the benefits to start. When you can start benefits -You may start receiving benefits as early as age 62 or as late as age 70. Benefits are reduced for age -Your monthly benefits will be reduced if you start them any time before \" full retirement age. \" Working while you receive benefits -If you elect to receive benefits before you reach full retirement age , you should understand how continuing to work can affect your benefits. Delayed retirement credits -Delayed retirement credits may be added to your benefits if they start after your full retirement age. Life expectancy -Many of us will live much longer than the average retiree , and most women live longer than men. More than one in three 65 year olds today will live to age 90 , and more than one in seven will live to age 95. Social Security benefits, which last as long as you live, provide valuable protection against outliving savings and other sources of retirement income. Again , you ll want to choose a retirement age based on your circumstances so you ll have enough income when you need it. Please read Other Things to Consider for information about other things you should think about when you make your decision about when to begin your benefits. Some of the things you should think about before you decide include : how long you think you will receive benefits , your health and whether anyone else in your family can get benefits on your record. You can find out what documents and information you need to apply by reading our \" Checklist for Online Medicare, Retirement, and Spouses Applications. \" ", "How do I use the online application? \nSelect the \" Apply for Retirement Benefits \" button above. You ll be asked to create or sign in to your my Social Security account and then go through a series of screens that will ask you questions about yourself, your family, and your work. Fill out the online application. You can complete your application in a single session or start the application now and finish it sometime later. If you: get stuck on a question , you can skip it and go back later. When you get to the end of the application , we'll let you know if there are any questions you still need to answer. can't complete your online application because you need to look something up, or for any other reason, you can \" Return to a Saved Application \" later without losing the information you entered. You may not be able to use periods, commas, and other special characters when you answer some of the questions. If you use a character that a field cannot accept and you try to go to another page , you will get a message that tells you there is a problem and what caused it. Example : You cannot use a period as part of an address. If you type \" 27 N. Main St. \" instead of \" 27 N Main St \" in an address field , you will get a message when you try to go to the next page. After you completely fill out the application , we will ask you to confirm the truthfulness of the answers to the best of your knowledge, under penalty of perjury , and your response will be recorded. You can be held liable for intentionally providing false or misleading information. \" Sign \" the application electronically by clicking on the \" Submit Now \" button. It will appear on the screen after you have finished filling out the application. The only person who can \" sign \" the application is the person who is applying for benefits. A legal representative or person helping cannot sign the application. Helping Someone Apply Online. ", "Why apply for retirement online? \nUsing our online application has a number of benefits : You can avoid trips to your Social Security office. That saves you time and money. You can answer questions on your schedule. You don't have to complete the application the same day that you started it. You can start and stop the application without losing any of the information you entered. You will have a chance to correct mistakes. You can go back and make changes until you finish the application. You'll also be given a chance to review your answers and go back and make corrections before you submit the application. If you have trouble answering a question , you can find additional information in our [More Info] links. You don't need to mail your application. When you're finished , just click \" Submit Now \" to send your application to Social Security. You'll get a receipt for your online application. You can print the receipt and keep for your records. You can check the status of your online application. Your receipt includes a confirmation number you can use to check the status of your application. However , if you choose to apply for benefits more than two months in the future , you will not be able to check the status of your application until one month before you start receiving benefits.  How long can I stay on each page? \nFor security reasons , there are time limits for viewing each page. You will receive a warning after 25 minutes without doing anything , and you will be able to extend your time on the page. After the third warning , you must move to another page or your time will run out and your work on that page will be lost. ", "What happens after I apply? \nOnce we receive your application , we'll review it. After the review , we will contact you if we need more information or if we need to see your documents. We'll also let you know if ... you may be able to receive benefits on another person's record, such as your spouse. other family members may be able to receive benefits on your work record. When we have all of the necessary information and documents , we'll process your application and send you a letter about our decision in the mail.  Other ways to apply for retirement benefits \nYou can also apply : By phone - Call 1 - 800 - 772 - 1213. TTY 1 - 800 - 325 - 0778 from 7 AM to 7 PM Monday through Friday. In person - Visit your local Social Security office. Call first to make an appointment. If you do not live in the U.S. or one of its territories you can also - Contact the nearest U.S. Social Security office, U.S. Embassy or consulate.", "Apply for Retirement Benefits \nSocial Security offers an online retirement application that you can complete in as little as 15 minutes. It's so easy. Better yet , you can apply from the comfort of your home or office at a time most convenient for you. There's no need to drive to a local Social Security office or wait for an appointment with a Social Security representative. In most cases , once your application is submitted electronically , you're done. Social Security will process your application and contact you by telephone or by mail if any further information is needed. Apply for Retirement Benefits Return to a Saved Application|Check Application Status If you prefer to complete your application in a language other than English , the online application will give you the option to schedule an appointment to apply for benefits in your preferred language. The online application is currently only available in English.  Questions about our Social Security Retirement Benefits Application \nWho can apply for retirement benefits online? \nYou can apply online for retirement benefits or benefits as a spouse if you : are at least 61 years and 8 months old ; Are not currently receiving benefits on your own Social Security record ; have not already applied for retirement benefits ; and want your benefits to start no more than 4 months in the future. We cannot process your application if you apply for benefits more than 4 months in advance. ", "Benefits Planner: Retirement \nOther Things to Consider \nWhat Is The Best Age To Start Your Benefits? The answer is that there is no one \" best age \" for everyone and, ultimately, it is your choice. You should make an informed decision about when to apply for benefits based on your individual and family circumstances. Your monthly benefit amount can differ substantially based on the age when you start receiving benefits. If you decide to start benefits : before your full retirement age , your benefit will be smaller but you will receive it for a longer period of time. at your full retirement age or later , you will receive a larger monthly benefit for a shorter period of time. The amount you receive when you first get benefits sets the base for the amount you will receive for the rest of your life. You may want to consider the following when you make that decision : If you plan to continue working , there are limits on how much you can earn each year between age 62 and full retirement age and still get all your benefits. Depending on the amount of your benefit and your earnings for the year , you may have to give up some of your benefits. If your earnings will be high , you may decide to wait until full retirement age to start your benefits. Once you reach full retirement age , there is no limit on how much you can earn. Reminders : After you reach full retirement age , we recalculate your benefit amount to give you credit for any months in which you did not receive a benefit because of your earnings. When additional earnings appear on your record , we check whether they will increase your monthly benefit. If they do , we will send you a letter telling you your new benefit amount. You can apply for just Medicare at age 65 and start receiving retirement benefits later. When you think about retirement , be sure to plan for the long term. A man who turned 65 in 2014 can expect to live about another 19.3 years. A woman who turned 65 the same year can expect to live about another 21.6 years. And those are just averages. About one out of every four 65-year - olds today will live past age 90. One out of 10 will live past age 95. How long do you expect to live? Did your parents and grandparents all live into their 80s or 90s? If the answer is yes, and you have every reason to believe you will too , you may want to delay starting your benefits until full retirement age or later. If they didn't , you may choose to start receiving retirement benefits earlier. If you come from a long - lived family , you may need the extra money more in later years, particularly if you may outlive pensions or annuities with limits on how long they are paid. If you are not in good health , you may decide to start your benefits earlier. If you stop working , not only will you lose your paycheck , but you may also lose valuable employer provided health insurance. Although there are exceptions , most people will not be covered by Medicare until they reach age 65. Your employer should be able to tell you if you will have retiree health benefits or if you can temporarily extend your health insurance coverage after you retire. Also , if you are married and your spouse is employed , you may be able to switch to their health insurance. ", "Should I apply for Medicare? \nRemember , Medicare usually starts when you reach age 65. If you decide to delay starting your benefits , be sure to contact Social Security about 3 months before you turn age 65 to check about applying for Medicare. Even if you have health insurance through a current or former employer or as part of yourseverance package , you should still check to see whether you need to sign up for Medicare. Some health insurance plans change automatically at age 65. If you need to sign up for Medicare but you do not , your Medicare coverage may be delayed and cost more. Please read the general and special enrollment period information on page 12 of our Medicare booklet to find out what may happen if you delay. If you are eligible on another record , you may have additional options : If you qualify for benefits as a widow, widower, or surviving divorced spouse on another record , you may choose to apply for survivors benefits now and delay your retirement benefit until later. If you delay receiving your retirement benefit until your full retirement age or later , your retirement benefit will be higher. If you were born before January 2 , 1954 and have already reached your full retirement age, and are eligible for a spouse s or divorced - spouse s benefit and your own retirement benefit , you can choose to receive only the spouse s benefit and delay receiving your retirement benefit until a later date. If your birthday is January 2 , 1954 or later , the option to take only one benefit at full retirement age no longer exists. If you file for one benefit , you will be effectively filing for all retirement or spousal benefits. If you don't need your benefits immediately , you may decide to : Wait beyond full retirement age to receive delayed retirement credits. Reminder: If you are within 4 months of age 65, or older, and you have health insurance through an employer or former employer , you should check to see whether you need to sign up for Medicare. Some health insurance plans change automatically at age 65. Choose early retirement and increase the value of your benefits by investing them instead of spending them. Reminder: If you're receiving early retirement from your employer , keep in mind that some company pensions include a Social Security - equivalent supplement that stops automatically at age 62. The supplement stops because they assume you will apply for your retirement benefits at age 62. If your spouse or minor or disabled children will also qualify for benefits from your record , the value of their benefits, added to your own, may help you decide if taking your benefits sooner is your best choice. If your spouse or ex - spouse s date of birth is January 2 , 1954 or later and they become eligible to receive a higher benefit on your record while receiving retirement benefits , they can no longer delay filing for the additional benefit. If your spouse files for one benefit , they will be effectively filing for all retirement or spousal benefits. However , when you start your retirement benefits also affects the amount your surviving spouse may receive. If you start your benefits : before full retirement age , we cannot pay your surviving spouse the full benefit amount from your record. Generally , if you were receiving reduced benefits , we base the survivors benefit on that amount. after full retirement age , your surviving spouse may receive your full benefit amount plus any accumulated delayed retirement credits. Accidents or unexpected changes in your circumstances can't be ruled out, of course , so your final decision may be based on your \" best guess \" about your future.", "Other Things to Consider \nWhat Is The Best Age To Start Your Benefits? The answer is that there is no one \" best age \" for everyone and, ultimately, it is your choice. You should make an informed decision about when to apply for benefits based on your individual and family circumstances. Your monthly benefit amount can differ substantially based on the age when you start receiving benefits. If you decide to start benefits : before your full retirement age , your benefit will be smaller but you will receive it for a longer period of time. at your full retirement age or later , you will receive a larger monthly benefit for a shorter period of time. The amount you receive when you first get benefits sets the base for the amount you will receive for the rest of your life. You may want to consider the following when you make that decision : If you plan to continue working , there are limits on how much you can earn each year between age 62 and full retirement age and still get all your benefits. Depending on the amount of your benefit and your earnings for the year , you may have to give up some of your benefits. If your earnings will be high , you may decide to wait until full retirement age to start your benefits. Once you reach full retirement age , there is no limit on how much you can earn. Reminders : After you reach full retirement age , we recalculate your benefit amount to give you credit for any months in which you did not receive a benefit because of your earnings. When additional earnings appear on your record , we check whether they will increase your monthly benefit. If they do , we will send you a letter telling you your new benefit amount. You can apply for just Medicare at age 65 and start receiving retirement benefits later. When you think about retirement , be sure to plan for the long term. A man who turned 65 in 2014 can expect to live about another 19.3 years. A woman who turned 65 the same year can expect to live about another 21.6 years. And those are just averages. About one out of every four 65-year - olds today will live past age 90. One out of 10 will live past age 95. How long do you expect to live? Did your parents and grandparents all live into their 80s or 90s? If the answer is yes, and you have every reason to believe you will too , you may want to delay starting your benefits until full retirement age or later. If they didn't , you may choose to start receiving retirement benefits earlier. If you come from a long - lived family , you may need the extra money more in later years, particularly if you may outlive pensions or annuities with limits on how long they are paid. If you are not in good health , you may decide to start your benefits earlier. If you stop working , not only will you lose your paycheck , but you may also lose valuable employer provided health insurance. Although there are exceptions , most people will not be covered by Medicare until they reach age 65. Your employer should be able to tell you if you will have retiree health benefits or if you can temporarily extend your health insurance coverage after you retire. Also , if you are married and your spouse is employed , you may be able to switch to their health insurance. ", "Retirement Estimator \nHow the Retirement Estimator Works \nThe Retirement Estimator gives estimates based on your actual Social Security earnings record. Please keep in mind that these are just estimates. Estimate Your Retirement Benefits We can t provide your actual benefit amount until you apply for benefits. And that amount may differ from the estimates provided because : Your earnings may increase or decrease in the future. After you start receiving benefits , they will be adjusted for cost - of - living increases. Your estimated benefits are based on current law. The law governing benefit amounts may change because, by 2035, the combined trust fund reserves are projected to become depleted one year later than projected last year. Payroll taxes collected will be enough to pay only about 80 cents for each dollar of scheduled benefits. Your benefit amount may be affected by military service, railroad employment or pensions earned through work on which you did not pay Social Security tax.  Who Can Use the Retirement Estimator \nYou can use the Retirement Estimator if : You have enough Social Security credits at this time to qualify for benefits and You are not : Currently receiving benefits on your own Social Security record ; Waiting for a decision about your application for benefits or Medicare ; Age 62 or older and receiving benefits on another Social Security record ; or Eligible for a Pension Based on Work Not Covered By Social Security. If you are currently receiving only Medicare benefits , you can still get an estimate. For more information go to this link for our publication Retirement Information For Medicare Beneficiaries. If you cannot use the Retirement Estimator or you want a survivors or disability benefit estimate , please use one of our other benefit Calculators. ", "How Long Can You Stay On Each Page? \nFor security reasons , there are time limits for viewing each page. You will receive a warning after 25 minutes without doing anything , and you will be able to extend your time on the page. After the third warning on a page , you must move to another page. If you do not, your time will run out and your work on that page will be lost.", "How the Retirement Estimator Works \nThe Retirement Estimator gives estimates based on your actual Social Security earnings record. Please keep in mind that these are just estimates. Estimate Your Retirement Benefits We can t provide your actual benefit amount until you apply for benefits. And that amount may differ from the estimates provided because : Your earnings may increase or decrease in the future. After you start receiving benefits , they will be adjusted for cost - of - living increases. Your estimated benefits are based on current law. The law governing benefit amounts may change because, by 2035, the combined trust fund reserves are projected to become depleted one year later than projected last year. Payroll taxes collected will be enough to pay only about 80 cents for each dollar of scheduled benefits. Your benefit amount may be affected by military service, railroad employment or pensions earned through work on which you did not pay Social Security tax.  Who Can Use the Retirement Estimator \nYou can use the Retirement Estimator if : You have enough Social Security credits at this time to qualify for benefits and You are not : Currently receiving benefits on your own Social Security record ; Waiting for a decision about your application for benefits or Medicare ; Age 62 or older and receiving benefits on another Social Security record ; or Eligible for a Pension Based on Work Not Covered By Social Security. If you are currently receiving only Medicare benefits , you can still get an estimate. For more information go to this link for our publication Retirement Information For Medicare Beneficiaries. If you cannot use the Retirement Estimator or you want a survivors or disability benefit estimate , please use one of our other benefit Calculators. ", "Benefits Planner: Disability | You're Approved \nWhen Your Benefits Start \nIf your application is approved , your first Social Security benefit will be paid for the sixth full month after the date we find that your disability began. For example , if your disability began on June 15 , 2018 , your first benefit would be paid for the month of December 2018, the sixth full month of disability. Social Security benefits are paid in the month following the month for which they're due. This means that the benefit due for December would be paid to you in January 2019, and so on.  How Much You Will Receive \nThe amount of your monthly disability benefit is based on your lifetime average earnings covered by Social Security. If you don't already have an estimate , you can get your online with your personal my Social Security account or use our Benefit Calculators to determine how much you would get if you became disabled right now.  Other Payments May Affect Your Disability Benefits \nIf you receive certain other government benefits, such as workers' compensation, public disability benefits, or pensions based on work not covered by Social Security for example, some government or foreign employment, the Social Security benefits payable to you and your family may be reduced. For more information about how these benefits can affect your Social Security payments , refer to the following publications : How Workers' Compensation And Other Disability Payments May Affect Your Benefit ; Windfall Elimination Provision ; or Government Pension Offset. Related Information Income Taxes And Your Social Security Benefits. ", "Medicare Coverage If You're Disabled \nWe automatically enroll you in Medicare after you get disability benefits for two years. The two parts of Medicare we enroll you in are hospital insurance and medical insurance. Hospital insurance Part A helps pay for inpatient hospital bills and some follow - up care. The taxes you paid while you were working financed this coverage , so it is provided at no cost to you. Medical insurance Part B helps pay doctors' bills, outpatient hospital care, and other medical services. You will need to pay a monthly premium for this coverage if you want it. Most people have both parts of Medicare. If you have questions about this coverage , you can contact Medicare toll - free at to speak to a Medicare Customer Service Representative. TTY users should call  The Other Parts of Medicare \nMedicare Advantage Part C. People with Medicare Parts A and Part B can choose to receive all of their health care services through plans that are offered by private companies and approved by Medicare. For more information , we recommend you read Medicare 's Prescription Drug Coverage Part D helps pay for medications doctors prescribe for treatment. For more information on the enrollment periods for Part D , we recommend you read Medicare's page. If you receive Medicare and have limited resources and income , you may be eligible for Extra Help with Medicare Prescription Drug Plan Costs.  Help For Low-Income Medicare Beneficiaries \nIf you get Medicare and have low - income and few resources , your state may pay your Medicare premiums and, in some cases, other Medicare costs for which you are normally responsible such as deductibles and coinsurance. Only your state can decide if you qualify for this assistance. To find out if you do , contact your state or local welfare office or Medicaid agency. For additional information about the program , please go to the Medicare's page. If you need additional information about the other parts of Medicare , please read the \" Who Can Get Medicare? \" section of our Medicare booklet or visit Medicare.gov. ", "Publications \nDisability Benefits What You Need To Know When You Get Social Security Disability Benefits Other Disability Publications", "When Your Benefits Start \nIf your application is approved , your first Social Security benefit will be paid for the sixth full month after the date we find that your disability began. For example , if your disability began on June 15 , 2018 , your first benefit would be paid for the month of December 2018, the sixth full month of disability. Social Security benefits are paid in the month following the month for which they're due. This means that the benefit due for December would be paid to you in January 2019, and so on.  How Much You Will Receive \nThe amount of your monthly disability benefit is based on your lifetime average earnings covered by Social Security. If you don't already have an estimate , you can get your online with your personal my Social Security account or use our Benefit Calculators to determine how much you would get if you became disabled right now.  Other Payments May Affect Your Disability Benefits \nIf you receive certain other government benefits, such as workers' compensation, public disability benefits, or pensions based on work not covered by Social Security for example, some government or foreign employment, the Social Security benefits payable to you and your family may be reduced. For more information about how these benefits can affect your Social Security payments , refer to the following publications : How Workers' Compensation And Other Disability Payments May Affect Your Benefit ; Windfall Elimination Provision ; or Government Pension Offset. Related Information Income Taxes And Your Social Security Benefits. ", "Benefits Planner: Survivors | How You Apply \nWe should be notified immediately when a person dies. However , you cannot report a death or apply for survivors benefits online. If you need to report a death or apply for benefits , call 1 - 800 - 772 - 1213 TTY 1 - 800 - 325 - 0778. You can speak to a Social Security representative between 7 a.m. and 7 p.m. Monday through Friday. You can also visit your local Social Security office. An appointment is not required , but if you call ahead and schedule one, it may reduce the time you spend waiting to speak to someone.  When You Report a Death \nIf you are getting benefits on your spouse's or parent's record : You generally will not need to file an application for survivors benefits. We'll automatically change any monthly benefits you receive to survivors benefits after we receive the report of death. We may be able to pay the Special Lump - Sum Death Payment automatically. If you are getting retirement or disability benefits on your own record : You will need to apply for the survivors benefits. We will check to see whether you can get a higher benefit as a widow or widower. If you are not getting benefits , you should apply for survivors benefits promptly because, in some cases, benefits may not be retroactive.  Documents Needed to Apply \nPlease select the benefit you will be applying for from the list below to see what information and documents you may need when you apply : Widows / Widowers or Surviving Divorced Spouse's Benefits Child's Benefits Mother's or Father's Benefits You must have a child under age 16 or disabled in your care. Lump - Sum Death Payment Parent's Benefits You must have been dependent on your child at the time of his or her death. If you don't have all the documents you need , don't delay applying for Social Security. In many cases , your local Social Security office can contact your state Bureau of Vital Statistics and verify your information online at no cost to you. If we can't verify your information online , we can still help you get the information you need.", "We should be notified immediately when a person dies. However , you cannot report a death or apply for survivors benefits online. If you need to report a death or apply for benefits , call 1 - 800 - 772 - 1213 TTY 1 - 800 - 325 - 0778. You can speak to a Social Security representative between 7 a.m. and 7 p.m. Monday through Friday. You can also visit your local Social Security office. An appointment is not required , but if you call ahead and schedule one, it may reduce the time you spend waiting to speak to someone.  When You Report a Death \nIf you are getting benefits on your spouse's or parent's record : You generally will not need to file an application for survivors benefits. We'll automatically change any monthly benefits you receive to survivors benefits after we receive the report of death. We may be able to pay the Special Lump - Sum Death Payment automatically. If you are getting retirement or disability benefits on your own record : You will need to apply for the survivors benefits. We will check to see whether you can get a higher benefit as a widow or widower. If you are not getting benefits , you should apply for survivors benefits promptly because, in some cases, benefits may not be retroactive.  Documents Needed to Apply \nPlease select the benefit you will be applying for from the list below to see what information and documents you may need when you apply : Widows / Widowers or Surviving Divorced Spouse's Benefits Child's Benefits Mother's or Father's Benefits You must have a child under age 16 or disabled in your care. Lump - Sum Death Payment Parent's Benefits You must have been dependent on your child at the time of his or her death. If you don't have all the documents you need , don't delay applying for Social Security. In many cases , your local Social Security office can contact your state Bureau of Vital Statistics and verify your information online at no cost to you. If we can't verify your information online , we can still help you get the information you need.", "my Social Security | Security and Protection \nThe Online Identity Verification Process \nOne 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. Our security process follows federal guidelines that includes additional security measures so we can be sure that you are who you say you are when you conduct online business with us. To protect the privacy of your identity and your information , we are using a new identity verification process. The new process : Requires you to sign in with a username and password ; Offers extra security ; and Complies with federal laws, regulations, and guidelines. In addition to your username and password , you can choose either your cell phone or email address as your second identification method when you sign in to or register for my Social Security. Two forms of identification when signing in will help better protect your account from unauthorized use and potential identity fraud. Each time you sign in to your account , you will complete two steps : Enter your username and password. Enter the security code we send by text message or email , depending on your choice cell phone provider text message and data rates may apply. If you choose to receive your one - time security code through email , you can add NO-REPLY@ssa.gov to your contact list to make sure it does not go into your spam or junk folder. For additional tips to help you stay safe and secure online please visit the Federal Trade Commission's OnGuard Online. ", "If You Cannot Or Do Not Want To Create An Account Online \nIf you are unable or unwilling to create an online account , you may still create an account in person by visiting your local Social Security office.  If You Want Extra Security \nWe offer you the choice to add extra security when you create an online account. In the past , we told you Social Security would never ask for your credit card number or other financial information. We have changed our policy for this one service. Now , we may ask you for the last eight digits of your Visa, MasterCard, or Discover credit card, or some other financial information. Once you give us this additional information , we will send you a letter in the mail in five to 10 business days. You will need this letter to complete the voluntary process to add extra security. You can upgrade to extra security or disable it at any time. Adding extra security does not change the way that you sign in to your account. You must still sign in with your username, password, and a unique security code we will provide each time you sign in.  Internet Phishing Alert \nInternet scam artists use clever phishing schemes to defraud millions of people each year. Phishing is the practice of using social engineering techniques over email to trick a recipient into revealing personal information, clicking on a malicious link, or opening a malicious attachment. ", "How can I detect a phishing email pretending to be Social Security? \nMost emails from Social Security will come from a .gov \" email address. If an email address does not end in .gov , use caution before opening attachments or clicking on pictures or links in the email. Currently , Social Security sends emails from no-reply@ssa.gov, subscription.service@subscriptions.ssa.gov and ThankYou@ssa.gov. In a few instances , we use marketing firms to raise awareness of Social Security s online services , and this includes creating a my Social Security account. We allow these firms to send email directly to individuals. Any links you find within these emails should always point to a .gov/ web address. Links, logos, or pictures in the body of an official Social Security email will always direct you to an official Social Security website. Rather than relying on the way a link looks , please follow these steps to confirm a link s authenticity : To verify the web address of a link or picture , hover over it with your mouse until a text box appears with the web address. This is the actual address you will be directed to and it should always end in .gov/ A forward slash should always follow the .gov domain. Example - https://www.ssa.gov/myaccount/ Links to the official Social Security website will always begin with https://www.socialsecurity.gov/ or https://secure.ssa.gov/. Below are examples of fraudulent websites pretending to direct you to Social Security. Noticethe location of the forward slash. https://www.socialsecurity.gov.gmx.de/ http://www.socialsecurity.gov.bx.co.rx/setup ", "What should I do if I ve received a phishing email pretending to be from Social Security? \nIf you are not certain that an e - mail you received came from Social Security or one of our marketing firms , DO NOT respond to the email or click on any links contained in the email message. Report the incident by forwarding the suspicious email to the U.S. Computer Emergency Readiness Team US - CERT at phishing-report@us-cert.gov. http://www.us-nocert.gov/nav/report_phishing.html.  What are other tips I can use for detecting phishing emails? \nVerify the sender. Exercise caution when receiving email from a sender you don t know or haven t heard from in a long time. Hover over the From email address to ensure it matches the displayed email or name of the sender. Look for poor choices in wording, phrasing, or spelling. 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.  Are there other resources I can use to learn more about phishing? \nTo avoid security problems , please keep your web browser up to date. For more information about \" phishing , \" go to OnGuard Online.", "The Online Identity Verification Process \nOne 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. Our security process follows federal guidelines that includes additional security measures so we can be sure that you are who you say you are when you conduct online business with us. To protect the privacy of your identity and your information , we are using a new identity verification process. The new process : Requires you to sign in with a username and password ; Offers extra security ; and Complies with federal laws, regulations, and guidelines. In addition to your username and password , you can choose either your cell phone or email address as your second identification method when you sign in to or register for my Social Security. Two forms of identification when signing in will help better protect your account from unauthorized use and potential identity fraud. Each time you sign in to your account , you will complete two steps : Enter your username and password. Enter the security code we send by text message or email , depending on your choice cell phone provider text message and data rates may apply. If you choose to receive your one - time security code through email , you can add NO-REPLY@ssa.gov to your contact list to make sure it does not go into your spam or junk folder. For additional tips to help you stay safe and secure online please visit the Federal Trade Commission's OnGuard Online. ", "Benefits Planner: Retirement \nIf You Are Divorced \nIf you are divorced, but your marriage lasted 10 years or longer , you can receive benefits on your ex - spouse's record even if they have remarried if : You are unmarried ; You are age 62 or older ; Your ex - spouse is entitled to Social Security retirement or disability benefits ; and The benefit you are entitled to receive based on your own work is less than the benefit you would receive based on your ex - spouse's work. If you remarry , you generally cannot collect benefits on your former spouse's record unless your later marriage ends whether by death, divorce, or annulment. If your ex - spouse has not applied for retirement benefits, but can qualify for them, you can receive benefits on their record if you have been divorced for at least two years. If you are eligible for retirement benefits on your own record and divorced spouse's benefits , we will pay the retirement benefit first. If the benefit on your ex - spouse's record is higher , you will get an additional amount on your ex - spouse's record so that the combination of benefits equals that higher amount. If you continue to work while receiving benefits , the retirement benefit earnings limit still applies. If you are eligible for benefits this year and are still working , you can use our earnings test calculator to see how those earnings would affect your benefit payments. If you will also receive a pension based on work not covered by Social Security, such as government work , your Social Security benefit on your ex - spouse's record may be affected. If you need information about benefits your ex - spouse can receive based on your record , please read.", "Benefits Planner: Disability \nDisability is a subject you may read about in the newspaper, but not think of as something that might actually happen to you. But your chances of becoming disabled are probably greater than you realize. Studies show that just over one in four of today's 20-year - olds will become disabled before reaching age 67. While we spend a lot of time working to succeed in our jobs and careers , few of us think about ensuring that we have a safety net to fall back on should we become disabled. This is an area where Social Security can provide valuable help to you. This disability planner helps you find out : how you can qualify and apply for benefits ; what happens if your application is approved ; who can receive benefits on your earnings record ; what you need to know about receiving disability benefits ; when Medicare coverage starts for Social Security disability beneficiaries ; and what happens if you go back to work.  Disability and Supplemental Security Income \nWe pay disability benefits under two programs : The Social Security disability insurance program pays benefits to you and certain family members if you worked long enough and paid Social Security taxes. Your adult child also may qualify for benefits on your earnings record if he or she has a disability that started before age 22. The Supplemental Security Income SSI program pays benefits to disabled adults and children who have limited income and resources. For most people , the medical requirements are the same under both programs and disability is determined by the same process. Whether you apply for Social Security disability or SSI , we ask you for information about your medical condition, work, and education history to help us decide if you are disabled under our rules. Additional information about SSI can be found at \" What Is Supplemental Security Income? \" ", "Information for Advocates, Attorneys, and Third Parties \nIf you are an Advocate, Attorney, or Third Party Representative and you are helping someone prepare an online Social Security benefit application , there are some things you should know.", "Disability is a subject you may read about in the newspaper, but not think of as something that might actually happen to you. But your chances of becoming disabled are probably greater than you realize. Studies show that just over one in four of today's 20-year - olds will become disabled before reaching age 67. While we spend a lot of time working to succeed in our jobs and careers , few of us think about ensuring that we have a safety net to fall back on should we become disabled. This is an area where Social Security can provide valuable help to you. This disability planner helps you find out : how you can qualify and apply for benefits ; what happens if your application is approved ; who can receive benefits on your earnings record ; what you need to know about receiving disability benefits ; when Medicare coverage starts for Social Security disability beneficiaries ; and what happens if you go back to work.  Disability and Supplemental Security Income \nWe pay disability benefits under two programs : The Social Security disability insurance program pays benefits to you and certain family members if you worked long enough and paid Social Security taxes. Your adult child also may qualify for benefits on your earnings record if he or she has a disability that started before age 22. The Supplemental Security Income SSI program pays benefits to disabled adults and children who have limited income and resources. For most people , the medical requirements are the same under both programs and disability is determined by the same process. Whether you apply for Social Security disability or SSI , we ask you for information about your medical condition, work, and education history to help us decide if you are disabled under our rules. Additional information about SSI can be found at \" What Is Supplemental Security Income? \" ", "Direct Deposit \nSet Up or Change Your Direct Deposit of Benefit Payment \nDo you want to set up or change the direct deposit of your benefit payment? We are constantly expandingand improving our online services, including the ability to set up or change your direct depositinformation. If you already receive Social Security or Supplemental Security Income SSI benefitsand you have a bank account, simply log in to or create your personal and secure my Social Security account.  What is Direct Deposit? \nDirect deposit is a simple, safe, and secure way to get benefits. If you need us to send your payment to abank or credit union account , have all of the following information ready when you apply. Social Security number Bank routing transit number Account type checking or savings Account number How to Set Up or Change Direct Deposit of Benefit Payment Online Log in to your account. Sign in and Select the blue Benefits & Payment Details link on the right side of the screen. Scroll down and select the Update Direct Deposit button, and choose if you are the owner or co - ownerof the bank account. Enter your bank account information and select Next. Review and verify your banking information and select Submit then select Done. You can also decide when your change will take effect, by simply using the My Profile tab within mySocial Security. Don't have a my Social Security Account? Creating a free my Social Security account takes less than 10 minutes, lets you set up or change your direct deposit and gives you access to many other online services. ", "Additional information related to this service \nAs of March 1 , 2013 , you are required to receive your payments electronically. If you applied for benefitsbefore that date and did not sign up for electronic payments at that time , we strongly urge you to do sonow. For more information regarding switching to an electronic payment if you don t have a bank account , visit Treasury s Go Direct website or call the helpline at 1 - 800 - 333 - 1795.  Still have questions? \nIf you have questions or need help understanding how to set up or change direct deposit online , call ourtoll - free number at 1 - 800 - 772 - 1213 or visit your Social Security office. If you are deaf or hard of hearing , call our toll - free TTY number , 1 - 800 - 325 - 0778, between7 a.m. and 7 p.m. Monday through Friday.", "Set Up or Change Your Direct Deposit of Benefit Payment \nDo you want to set up or change the direct deposit of your benefit payment? We are constantly expandingand improving our online services, including the ability to set up or change your direct depositinformation. If you already receive Social Security or Supplemental Security Income SSI benefitsand you have a bank account, simply log in to or create your personal and secure my Social Security account.  What is Direct Deposit? \nDirect deposit is a simple, safe, and secure way to get benefits. If you need us to send your payment to abank or credit union account , have all of the following information ready when you apply. Social Security number Bank routing transit number Account type checking or savings Account number How to Set Up or Change Direct Deposit of Benefit Payment Online Log in to your account. Sign in and Select the blue Benefits & Payment Details link on the right side of the screen. Scroll down and select the Update Direct Deposit button, and choose if you are the owner or co - ownerof the bank account. Enter your bank account information and select Next. Review and verify your banking information and select Submit then select Done. You can also decide when your change will take effect, by simply using the My Profile tab within mySocial Security. Don't have a my Social Security Account? Creating a free my Social Security account takes less than 10 minutes, lets you set up or change your direct deposit and gives you access to many other online services. ", "my Social Security | Create an Account \nTo create a my Social Security account , you ll be askedto : Verify your identity by providing personal information about yourself and answering questions thatonly you are likely to know. Create a username and password you ll use to access your online account. Confirm your email address or phone number by entering a one - time security code within 10 minutes ofreceiving it in order to help keep your personal information safe.  Do you have a security freeze or fraud alert on your credit report? \nIf you have a security freeze, fraud alert, or both on your credit report , you can still open a my Social Security account by temporarily lifting it. Contact our Identity Services Provider and request that they temporarily lift your security freeze orfraud alert. Create a my Social Security account online after lifting the security freeze or fraud alert. Reinstate the security freeze or fraud alert with the Identity Services Provider if needed. When yourequest a temporary lift of your credit freeze or fraud alert , the Identity Services Provider mayautomatically reinstate it after your temporary lift expires. If you don t want to temporarily lift your security freeze or fraud alert , you can visit your local Social Security office to open an account in person. For more information on security freezes and fraud alerts , read the Federal Trade Commission s Credit Freeze FAQs.  Your personal mySocial Security account is for your use only \nSocial Security is dedicated to protecting the information and resources entrusted to us, including your personal information and investment. For your protection , you re the only one who can create your personal my Social Security account for your own exclusive use. No one can create or use an account on your behalf, even with written permission. Don t share the use of your account with anyone else under any circumstances, as unauthorized use of this service is a misrepresentation of your identity to the federal government and could subject you to criminal or civil penalties, or both.", "To create a my Social Security account , you ll be askedto : Verify your identity by providing personal information about yourself and answering questions thatonly you are likely to know. Create a username and password you ll use to access your online account. Confirm your email address or phone number by entering a one - time security code within 10 minutes ofreceiving it in order to help keep your personal information safe.  Do you have a security freeze or fraud alert on your credit report? \nIf you have a security freeze, fraud alert, or both on your credit report , you can still open a my Social Security account by temporarily lifting it. Contact our Identity Services Provider and request that they temporarily lift your security freeze orfraud alert. Create a my Social Security account online after lifting the security freeze or fraud alert. Reinstate the security freeze or fraud alert with the Identity Services Provider if needed. When yourequest a temporary lift of your credit freeze or fraud alert , the Identity Services Provider mayautomatically reinstate it after your temporary lift expires. If you don t want to temporarily lift your security freeze or fraud alert , you can visit your local Social Security office to open an account in person. For more information on security freezes and fraud alerts , read the Federal Trade Commission s Credit Freeze FAQs.  Your personal mySocial Security account is for your use only \nSocial Security is dedicated to protecting the information and resources entrusted to us, including your personal information and investment. For your protection , you re the only one who can create your personal my Social Security account for your own exclusive use. No one can create or use an account on your behalf, even with written permission. Don t share the use of your account with anyone else under any circumstances, as unauthorized use of this service is a misrepresentation of your identity to the federal government and could subject you to criminal or civil penalties, or both.", "Explore the Benefits You May Be Due \nYou, or Your Family Members, May Be Eligible for Increased Benefits \nOur mission is to deliver Social Security services that meet the changing needs of the public. It's not unusual for a benefit recipient's circumstances to change after they apply or became eligible for benefits. If you, or a family member, receive Social Security or Supplemental Security Income SSI , certain life changes may affect eligibility for an increase in your federal benefits. For example , if your spouse or ex - spouse dies , you may become eligible for a higher Social Security benefit. To find out if you, or a family member, might be eligible for a benefit based on another person s work, or a higher benefit based on your own work , see the information about benefits on the Social Security website. You can also use the Benefit Eligibility Screening Tool BEST to find out if you could get benefits that Social Security administers. Based on your answers to questions , this tool will list benefits for which you might be eligible and tell you more information about how to qualify and apply. The questions and answers below are about a few of the life changes that could possibly increase your benefits. If your spouse or ex - spouse has died , you may be eligible for a higher survivor benefit based on his or her work. The death of an ex - spouse may allow you to be eligible for a higher survivor benefit even if you are already receiving a survivor benefit on another spouse. If you are at least age 65 , you may be eligible for cash benefits on your own record. If you are full retirement age or older , you can work and receive your monthly Social Security benefits, no matter how much you earn. Please review this publication for more information. If your child had enough work credits and was providing at least half of your support , you may be eligible for a higher parent's benefit based on his or her work. If you have worked , you may be eligible for a higher retirement benefit based on your own work. If you have worked , you may be eligible for a higher disability benefit based on your own work. If you are at least 62 years old and unmarried , you may be eligible for a benefit based on a former spouse s work if that marriage lasted 10 years or more. You may be eligible for spouse's benefits if you have in your care a child who is under age 16 or disabled prior to age 22. Your child may be eligible for benefits based on your work. If you served in the U.S. military , you may be eligible for benefits through the Veterans Administration. Visit this link for more information: http://www.va.gov/ If you are unmarried and under age 18 or were disabled prior to age 22, and your parent is deceased or receiving Social Security benefits , you may be eligible for child benefits based on your parent s work. You may be able to get additional income through the Supplemental Security Income program, which helps seniors and the disabled who have limited income and financial resources. IMPORTANT : If you are receiving benefits , there are certain life events that you are required to report. For a complete list , please select the publication below that applies to the type of benefits you receive. NOTE : Failure to report a change may result in an overpayment. What You Need To Know When You Get Retirement Or Survivors Benefits 7 - 13 What You Need To Know When You Get Social Security Disability Benefits 11 - 18 What You Need To Know When You Get Supplemental Security Income SSI 7 - 19 ", "Contacting Social Security \nOur website is a valuable resource for information about all of Social Security's programs. There are a number of things you can do online. In addition to using our website , you can call us toll - free at 1 - 800 - 772 - 1213. We treat all calls confidentially. We can answer specific questions from 7 a.m. to 7 p.m., Monday through Friday. Generally , you ll have a shorter wait time if you call during the week after Tuesday. We can provide information by automated phone service 24 hours a day. You can use our automated response system to tell us a new address or request a replacement Medicare card. If you are deaf or hard of hearing , you may call our TTY number , 1 - 800 - 325 - 0778. We also want to make sure you receive accurate and courteous service. That is why we have a second Social Security representative monitor some telephone calls.  Related Information \nRetirement Planner Disability Planner Survivors' Planner", "You, or Your Family Members, May Be Eligible for Increased Benefits \nOur mission is to deliver Social Security services that meet the changing needs of the public. It's not unusual for a benefit recipient's circumstances to change after they apply or became eligible for benefits. If you, or a family member, receive Social Security or Supplemental Security Income SSI , certain life changes may affect eligibility for an increase in your federal benefits. For example , if your spouse or ex - spouse dies , you may become eligible for a higher Social Security benefit. To find out if you, or a family member, might be eligible for a benefit based on another person s work, or a higher benefit based on your own work , see the information about benefits on the Social Security website. You can also use the Benefit Eligibility Screening Tool BEST to find out if you could get benefits that Social Security administers. Based on your answers to questions , this tool will list benefits for which you might be eligible and tell you more information about how to qualify and apply. The questions and answers below are about a few of the life changes that could possibly increase your benefits. If your spouse or ex - spouse has died , you may be eligible for a higher survivor benefit based on his or her work. The death of an ex - spouse may allow you to be eligible for a higher survivor benefit even if you are already receiving a survivor benefit on another spouse. If you are at least age 65 , you may be eligible for cash benefits on your own record. If you are full retirement age or older , you can work and receive your monthly Social Security benefits, no matter how much you earn. Please review this publication for more information. If your child had enough work credits and was providing at least half of your support , you may be eligible for a higher parent's benefit based on his or her work. If you have worked , you may be eligible for a higher retirement benefit based on your own work. If you have worked , you may be eligible for a higher disability benefit based on your own work. If you are at least 62 years old and unmarried , you may be eligible for a benefit based on a former spouse s work if that marriage lasted 10 years or more. You may be eligible for spouse's benefits if you have in your care a child who is under age 16 or disabled prior to age 22. Your child may be eligible for benefits based on your work. If you served in the U.S. military , you may be eligible for benefits through the Veterans Administration. Visit this link for more information: http://www.va.gov/ If you are unmarried and under age 18 or were disabled prior to age 22, and your parent is deceased or receiving Social Security benefits , you may be eligible for child benefits based on your parent s work. You may be able to get additional income through the Supplemental Security Income program, which helps seniors and the disabled who have limited income and financial resources. IMPORTANT : If you are receiving benefits , there are certain life events that you are required to report. For a complete list , please select the publication below that applies to the type of benefits you receive. NOTE : Failure to report a change may result in an overpayment. What You Need To Know When You Get Retirement Or Survivors Benefits 7 - 13 What You Need To Know When You Get Social Security Disability Benefits 11 - 18 What You Need To Know When You Get Supplemental Security Income SSI 7 - 19 ", "Contacting Social Security \nOur website is a valuable resource for information about all of Social Security's programs. There are a number of things you can do online. In addition to using our website , you can call us toll - free at 1 - 800 - 772 - 1213. We treat all calls confidentially. We can answer specific questions from 7 a.m. to 7 p.m., Monday through Friday. Generally , you ll have a shorter wait time if you call during the week after Tuesday. We can provide information by automated phone service 24 hours a day. You can use our automated response system to tell us a new address or request a replacement Medicare card. If you are deaf or hard of hearing , you may call our TTY number , 1 - 800 - 325 - 0778. We also want to make sure you receive accurate and courteous service. That is why we have a second Social Security representative monitor some telephone calls.", "Benefits Planner: Retirement \n\n\nDelayed Retirement Credits \nSocial Security retirement benefits are increased by a certain percentage depending on date of birth if you delay your retirement beyond full retirement age. The benefit increase no longer applies when you reach age 70, even if you continue to delay taking benefits. \n\nIncrease for Delayed Retirement \nIf you've already reached full retirement age , you can choose to start receiving benefits before the month you apply. However , we cannot pay retroactive benefits for any month before you reached full retirement age or more than 6 months in the past. If you decide to delay your retirement , be sure to sign up for just Medicare at age 65. If you do not sign up , in some circumstances your Medicare coverage may be delayed and cost more. If you do not sign up , in some circumstances your Medicare coverage may be delayed and cost more. \n\nAdditional Information \nWhat's the best time to start your retirement benefits? We're not recommending that you start at age 62, your full retirement age, age 70, or any age in between. Here's some additional information that may help you decide what's right for you : Early or Late Retirement? Retirement Information for Medicare Beneficiaries to Consider Other Things", "Delayed Retirement Credits \nSocial Security retirement benefits are increased by a certain percentage depending on date of birth if you delay your retirement beyond full retirement age. The benefit increase no longer applies when you reach age 70, even if you continue to delay taking benefits. \n\nIncrease for Delayed Retirement \nIf you've already reached full retirement age , you can choose to start receiving benefits before the month you apply. However , we cannot pay retroactive benefits for any month before you reached full retirement age or more than 6 months in the past. If you decide to delay your retirement , be sure to sign up for just Medicare at age 65. If you do not sign up , in some circumstances your Medicare coverage may be delayed and cost more. If you do not sign up , in some circumstances your Medicare coverage may be delayed and cost more. \n\nAdditional Information \nWhat's the best time to start your retirement benefits? We're not recommending that you start at age 62, your full retirement age, age 70, or any age in between. Here's some additional information that may help you decide what's right for you : Early or Late Retirement? Retirement Information for Medicare Beneficiaries to Consider Other Things", "Supplemental Security Income (SSI) Benefits \nThe Supplemental Security Income SSI program pays benefits to disabled adults and children who have limited income and resources. SSI benefits also are payable to people 65 and older without disabilities who meet the financial limits. People who have worked long enough may also be able to receive Social Security disability or retirement benefits as well as SSI. Learn more about SSI  How Do I Apply For SSI? \nIf you would like to apply for SSI benefits for :  An adult with a disability \nYou can now file for Supplemental Security Income SSI online but only if you meet certain requirements. You are eligible to file online for SSI if you : Are between the ages of 18 and 65 ; Have never been married ; Aren t blind ; Are a U.S. citizen residing in one of the fifty states, District of Columbia, or the Northern Mariana Islands ; Haven t applied for or received SSI benefits in the past ; and Are applying for Social Security Disability Insurance at the same time as your SSI claim. Find out if you are eligible to receive Social Security Disability Benefits. Apply Online for SSI and Disability Benefits Once you finish the online process , a Social Security representative will contact you for any additional information needed for the applications. You can also schedule an appointment with a local Social Security office to file an application. Call 1 - 800 - 772 - 1213 TTY 1 - 800 - 325 - 0778 from 7 a.m. to 7 p.m. , Monday through Friday or contact your local Social Security office. Learn more and start the disability process at our Disability Benefits page. ", "A child with a disability \nSocial Security does not yet have an online application for Children s benefits. Visit Apply For Disability Benefits Child Under Age 18 to apply for your child. You can complete the online Child Disability Report if you are ready to apply now.  A person age 65 and older \nCall us at 1 - 800 - 772 - 1213. If you are deaf or hard of hearing , you can call us at TTY 1 - 800 - 325 - 0778 , or Visit your local Social Security office. Call first to make an appointment.  Can I File An Appeal If My SSI Application Was Denied? \nYes , if we recently denied your SSI application , you can file an SSI appeal online. To learn more , read how to appeal a decision.  If You Already Receive SSI Benefits \nCreate a my Social Security", "The Supplemental Security Income SSI program pays benefits to disabled adults and children who have limited income and resources. SSI benefits also are payable to people 65 and older without disabilities who meet the financial limits. People who have worked long enough may also be able to receive Social Security disability or retirement benefits as well as SSI. Learn more about SSI  How Do I Apply For SSI? \nIf you would like to apply for SSI benefits for :  An adult with a disability \nYou can now file for Supplemental Security Income SSI online but only if you meet certain requirements. You are eligible to file online for SSI if you : Are between the ages of 18 and 65 ; Have never been married ; Aren t blind ; Are a U.S. citizen residing in one of the fifty states, District of Columbia, or the Northern Mariana Islands ; Haven t applied for or received SSI benefits in the past ; and Are applying for Social Security Disability Insurance at the same time as your SSI claim. Find out if you are eligible to receive Social Security Disability Benefits. Apply Online for SSI and Disability Benefits Once you finish the online process , a Social Security representative will contact you for any additional information needed for the applications. You can also schedule an appointment with a local Social Security office to file an application. Call 1 - 800 - 772 - 1213 TTY 1 - 800 - 325 - 0778 from 7 a.m. to 7 p.m. , Monday through Friday or contact your local Social Security office. Learn more and start the disability process at our Disability Benefits page. ", "Benefits Planner: Retirement \n\n\nBenefits By Year Of Birth \nFull retirement age is the age at which a person may first become entitled to full or unreduced retirement benefits. No matter what your full retirement age also called \" normal retirement age \" is , you may start receiving benefits as early as age 62 or as late as age 70. \n\nIf You Retire Early \nYou can retire at any time between age 62 and full retirement age. However , if you start benefits early , your benefits are reduced a fraction of a percent for each month before your full retirement age. The chart below lists age 62 reduction amounts and includes examples based on an estimated monthly benefit of $1000 at full retirement age. Select your year of birth to find out how much your benefit will be reduced if you retire between age 62 and full retirement age. \n\nFull Retirement and Age 62 Benefit By Year Of Birth \n\n\nPros And Cons \nThere are advantages and disadvantages to taking your benefit before your full retirement age. The advantage is that you collect benefits for a longer period of time. The disadvantage is your benefit is reduced. Each person's situation is different. It is important to remember : if you delay your benefits until after full retirement age , you may be eligible for delayed retirement credits that would increase your monthly benefit ; that there are other things to consider when making the correct decision about your retirement benefits ; and to contact Social Security before you decide when to retire.", "Benefits By Year Of Birth \nFull retirement age is the age at which a person may first become entitled to full or unreduced retirement benefits. No matter what your full retirement age also called \" normal retirement age \" is , you may start receiving benefits as early as age 62 or as late as age 70. \n\nIf You Retire Early \nYou can retire at any time between age 62 and full retirement age. However , if you start benefits early , your benefits are reduced a fraction of a percent for each month before your full retirement age. The chart below lists age 62 reduction amounts and includes examples based on an estimated monthly benefit of $1000 at full retirement age. Select your year of birth to find out how much your benefit will be reduced if you retire between age 62 and full retirement age. \n\nFull Retirement and Age 62 Benefit By Year Of Birth \n\n\nPros And Cons \nThere are advantages and disadvantages to taking your benefit before your full retirement age. The advantage is that you collect benefits for a longer period of time. The disadvantage is your benefit is reduced. Each person's situation is different. It is important to remember : if you delay your benefits until after full retirement age , you may be eligible for delayed retirement credits that would increase your monthly benefit ; that there are other things to consider when making the correct decision about your retirement benefits ; and to contact Social Security before you decide when to retire.", "Benefits Planner: Disability | Your Continuing Eligibility \nIn most cases , you will continue to receive benefits as long as you are disabled. However , there are certain circumstances that may change your continuing eligibility for disability benefits. For example , your health may improve to the point where you are no longer disabled or you go back to work. The law requires that we review your case from time to time to verify that you are still disabled. We tell you if it is time to review your case and we also keep you informed about your benefit status.  Reviewing Your Disability \nIn general , your benefits will continue as long as you are disabled. How often we review your case depends on whether your condition is expected to improve. If medical improvement is : \" Expected , \" your case will normally be reviewed within six to 18 months after your benefits start. \" Possible , \" your case will normally be reviewed no sooner than three years. \" Not expected , \" your case will normally be reviewed no sooner than seven years.  What Can Cause Benefits to Stop? \nTwo things can cause us to decide that you are no longer disabled and to stop your benefits : if you work at a level we consider \" substantial. \" In 2019 , average earnings of $1,220 or more per month $2,040 or more per month if you are blind are usually considered substantial. if we decide that your medical condition has improved to the point that you are no longer disabled. Remember , you are responsible for promptly reporting any improvement in your condition, or if you return to work. The booklet we send you when your application is approved explains what you need to report to us. ", "If You Go Back To Work \nIf you're like most people , you would rather work than try to live on disability benefits. There are special rules that help you keep your cash benefits and Medicare while you test your ability to work. We call these rules \" work incentives. \" For more information about Social Security work incentives , read Working While Disabled : How We Can Help.  Publications \nDisability Benefits What You Need To Know When You Get Social Security Disability Benefits How We Decide if You Still Have a Qualifying Disability Reviewing Your Disability Working While Disabled: How We Can Help Employment Networks in Social Security's Ticket To Work Program Your Ticket To Work", "In most cases , you will continue to receive benefits as long as you are disabled. However , there are certain circumstances that may change your continuing eligibility for disability benefits. For example , your health may improve to the point where you are no longer disabled or you go back to work. The law requires that we review your case from time to time to verify that you are still disabled. We tell you if it is time to review your case and we also keep you informed about your benefit status.  Reviewing Your Disability \nIn general , your benefits will continue as long as you are disabled. How often we review your case depends on whether your condition is expected to improve. If medical improvement is : \" Expected , \" your case will normally be reviewed within six to 18 months after your benefits start. \" Possible , \" your case will normally be reviewed no sooner than three years. \" Not expected , \" your case will normally be reviewed no sooner than seven years.  What Can Cause Benefits to Stop? \nTwo things can cause us to decide that you are no longer disabled and to stop your benefits : if you work at a level we consider \" substantial. \" In 2019 , average earnings of $1,220 or more per month $2,040 or more per month if you are blind are usually considered substantial. if we decide that your medical condition has improved to the point that you are no longer disabled. Remember , you are responsible for promptly reporting any improvement in your condition, or if you return to work. The booklet we send you when your application is approved explains what you need to report to us. ", "Appeal A Decision \nIf you were recently denied Social Security benefits or Supplemental Security Income SSI , you may request an appeal. Generally , you have 60 days after you receive the notice of our decision to ask for any type of appeal. There are four levels of appeal : Reconsideration , Hearing by an administrative law judge , Review by the Appeals Council , and Federal Court review Please see the bottom of page for information on the Federal Court Review Process. You can request an appeal online for a reconsideration, a hearing by an administrative law judge, and a review by the Appeals Council, even if you live outside of the United States. When we made the first determination on your claim , we sent you a letter explaining our determination. This letter contains guidance on what level of appeal you should select. To learn more about each appeal level , visit Information About Social Security's Hearings and Appeals Process.  Request a Reconsideration Online for a Medical Determination \nIf your disability claim was recently denied for medical reasons , you can request an appeal online. A reconsideration is a complete review of your claim by someone who did not take part in the first determination. We will look at all the evidence submitted used in the original determination, plus any new evidence. Request Medical ReconsiderationContinue Request for Medical Reconsideration You Started  Request a Reconsideration Online for a Non-Medical Determination \nIf you received a non - medical determination letter from us that you disagree with or you were denied for a reason that is not disability related for example: income, resources, overpayments, living arrangements, you can request a non - medical appeal online. Request Non - Medical Reconsideration ", "Check the Status of Your Reconsideration \nWhether you applied online, by phone, or in an office , you can check the status of your disability and SSI Reconsideration using your personal my Social Security account. A my Social Security account is an easy, convenient, and secure way to do business with us. If you don t have one , you can create one today. Sign In or Create Account  Request a Hearing for a Medical Determination Online \nA hearing is conducted by an administrative law judge who had no part in the original determination or the reconsideration of your case. The hearing is usually held within 75 miles of your home. If you disagree with the determination we made at the reconsideration level , you may request a hearing online. You Started Request Medical HearingContinue Medical Hearing Request  Request a Hearing for a Non-Medical Determination Online \nIf you requested a reconsideration and received a non - medical determination letter from us that you disagree with or you were denied benefits for a reason that is not disability related for example: income, resources, overpayments, living arrangements , you can request a non - medical hearing online. Request Non - Medical Hearing  Check the Status of Your Hearing \nWhether you applied online, by phone, or in an office , you can check the status of your disability and SSI hearing using your personal my Social Security account. A my Social Security account is an easy, convenient, and secure way to do business with us. If you don t have one , you can create one today. Sign In or Create Account ", "Request an Appeals Council review of a decision or dismissal made by an administrative law judge \nThe Appeals Council looks at all requests for review , but it may deny a request if it believes the hearing decision was supported and in accordance with social security law and regulations. If the Appeals Council decides to review your case , it will either decide your case itself or return it to an administrative law judge for further review. If you disagree with the hearing decision , you may request a review by Social Security s Appeals Council online. Request Appeals Council Review If you disagree with the Appeals Council's decision, or if the Appeals Council decides not to review your case , you can file a civil suit in a federal district court. This is the last level of the appeals process. Currently , this process is not available online. To learn more about this process , visit Federal Court Review Process. You can also file an appeal by calling our toll - free number , 1 - 800 - 772 - 1213 TTY 1 - 800 - 325 - 0778 or contacting your local Social Security office.", "If you were recently denied Social Security benefits or Supplemental Security Income SSI , you may request an appeal. Generally , you have 60 days after you receive the notice of our decision to ask for any type of appeal. There are four levels of appeal : Reconsideration , Hearing by an administrative law judge , Review by the Appeals Council , and Federal Court review Please see the bottom of page for information on the Federal Court Review Process. You can request an appeal online for a reconsideration, a hearing by an administrative law judge, and a review by the Appeals Council, even if you live outside of the United States. When we made the first determination on your claim , we sent you a letter explaining our determination. This letter contains guidance on what level of appeal you should select. To learn more about each appeal level , visit Information About Social Security's Hearings and Appeals Process.  Request a Reconsideration Online for a Medical Determination \nIf your disability claim was recently denied for medical reasons , you can request an appeal online. A reconsideration is a complete review of your claim by someone who did not take part in the first determination. We will look at all the evidence submitted used in the original determination, plus any new evidence. Request Medical ReconsiderationContinue Request for Medical Reconsideration You Started  Request a Reconsideration Online for a Non-Medical Determination \nIf you received a non - medical determination letter from us that you disagree with or you were denied for a reason that is not disability related for example: income, resources, overpayments, living arrangements, you can request a non - medical appeal online. Request Non - Medical Reconsideration ", "Benefits Planner: Survivors | If You Are The Survivor \nJust as you plan for your family's protection if you die , you should consider the Social Security benefits that may be available if you are the survivor that is, the spouse, child, or parent of a worker who dies. That person must have worked long enough under Social Security to qualify for benefits.  How Your Spouse Earns Social Security Survivors Benefits \nA worker can earn up to four credits each year. In 2019 , for example , your spouse can earn one credit for each $1,360 of wages or self - employment income. When your spouse has earned $5,440 , they have earned their four credits for the year. The number of credits needed to provide benefits for survivors depends on the worker's age when they die. No one needs more than 40 credits 10 years of work to be eligible for any Social Security benefit. But , the younger a person is , the fewer credits they must have for family members to receive survivors benefits. Benefits can be paid to the worker's children and the surviving spouse who is caring for the children even if the worker doesn't have the required number of credits. They can get benefits if the worker has credit for one and one - half years of work 6 credits in the three years just before their death. Each person s situation is different and you need to talk to a Social Security claims representative about your choices. ", "When A Family Member Dies \nWe should be notified as soon as possible when a person dies. However , you cannot report a death or apply for survivors benefits online. If you need to report a death or apply for benefits , call 1 - 800 - 772 - 1213 TTY 1 - 800 - 325 - 0778. You can speak to a Social Security representative between 7 a.m. and 7 p.m. Monday through Friday. You can also visit your local Social Security office. An appointment is not required , but if you call ahead and schedule one, it may reduce the time you spend waiting to speak to someone.  Does Social Security pay death benefits? \nA one - time payment of $255 can be paid to the surviving spouse if he or she was living with the deceased; or, if living apart, was receiving certain Social Security benefits on the deceased s record. If there is no surviving spouse , the payment is made to a child who is eligible for benefits on the deceased s record in the month of death.  What happens if the deceased received monthly benefits? \nIf the deceased was receiving Social Security benefits , you must return the benefit received for the month of death and any later months. For example , if the person died in July , you must return the benefits paid in August. How you return the benefits depends on how the deceased received benefits : For funds received by direct deposit , contact the bank or other financial institution. Request that any funds received for the month of death or later be returned to Social Security. Benefits received by check must be returned to Social Security as soon as possible. Do not cash any checks received for the month in which the person dies or later. ", "Who receives benefits? \nCertain family members may be eligible to receive monthly benefits, including : A widow or widower age 60 or older age 50 or older if disabled ; A surviving divorced spouse , under certain circumstances ; A widow or widower at any age who is caring for the deceased s child who is under age 16 or disabled and receiving benefits on their record ; An unmarried child of the deceased who is : Younger than age 18 or up to age 19 if he or she is a full - time student in an elementary or secondary school ; or Age 18 or older with a disability that began before age 22.  Are other family members eligible? \nUnder certain circumstances , the following family members may be eligible : A stepchild, grandchild, step grandchild, or adopted child ; and Parents , age 62 or older , who were dependent on the deceased for at least half of their support.  Widow Or Widower \nIf you are the widow or widower of a person who worked long enough under Social Security , you can : receive full benefits at full retirement age for survivors or reduced benefits as early as age 60. begin receiving benefits as early as age 50 if you are disabled and the disability started before or within seven years of the worker's death. receive survivors benefits at any age , if you have not remarried and you take care of the deceased worker's child who is under age 16 or is disabled and receives benefits on the worker's record. If you remarry after you reach age 60 age 50 if disabled , your remarriage will not affect your eligibility for survivors benefits. A widow, widower, or surviving divorced spouse cannot apply online for survivors benefits. You should contact Social Security at 1 - 800 - 772 - 1213 to request an appointment. If you are deaf or hard of hearing, call our TTY number at 1 - 800 - 325 - 0778. If you wish to apply for disability benefits as a survivor , you can speed up the disability application process if you complete an Adult Disability Report and have it available at the time of your appointment. We use the same definition of disability for widows and widowers as we do for workers. ", "A few other situations: \nIf you already receive benefits as a spouse , your benefit will automatically convert to survivors benefits after we receive the report of death. If you are also eligible for retirement benefits but haven't applied yet , you have an additional option. You can apply for retirement or survivors benefits now and switch to the other higher benefit at a later date. For those already receiving retirement benefits , you can only apply for benefits as a widow or widower if the retirement benefit you receive is less than the benefits you would receive as a survivor.  Surviving Divorced Spouse \nIf you are the divorced spouse of a worker who dies , you could get benefits the same as a widow or widower, provided that your marriage lasted 10 years or more. Benefits paid to you as a surviving divorced spouse won't affect the benefit amount for other survivors getting benefits on the worker's record. If you remarry after you reach age 60 age 50 if disabled , the remarriage will not affect your eligibility for survivors benefits. If you are caring for a child under age 16 or disabled and gets benefits on the record of your former spouse , you would not have to meet the length - of - marriage rule. The child must be your former spouse's natural or legally adopted child.  Minor Or Disabled Child \nIf you are the unmarried child under 18 up to age 19 if attending elementary or secondary school full time of a worker who dies , you can be eligible to receive Social Security survivors benefits. And you can get benefits at any age if you were disabled before age 22 and remain disabled. Besides the worker's natural children , their stepchildren, grandchildren, or adopted children may receive benefits under certain circumstances. ", "For Your Parents \nIf you are the dependent parent , who is at least age 62 , of a worker who dies , you may be eligible to receive Social Security survivors benefits. You must have been receiving at least half of your support from your working child and you must not be eligible to receive a retirement benefit that is higher than the benefit we could pay on your child s record. Generally, you must not have married after your deceased adult child s death ; however, there are some exceptions. Besides being the natural parent , you could also be the stepparent, or the adoptive parent if you became the deceased worker s parent before he or she was age 16.  Survivors Benefit Amount \nYour survivors benefit amount is based on the earnings of the person who died. The more they paid into Social Security , the higher your benefits would be. The monthly amount you would get is a percentage of the deceased's basic Social Security benefit. It depends on your age and the type of benefit you are eligible to receive. If the person who died was receiving reduced benefits , we base your survivors benefit on that amount. These are examples of the benefits that survivors may receive : Widow or widower, full retirement age or older 100 percent of the deceased worker's benefit amount ; Widow or widower , age 60 full retirement age 71 to 99 percent of the deceased worker's basic amount ; Disabled widow or widower aged 50 through 59 71 percent ; Widow or widower , any age, caring for a child under age 16 75 percent ; A child under age 18 19 if still in elementary or secondary school or disabled 75 percent ; and Dependent parent of the deceased worker, age 62 or older : One surviving parent 82 percent. Two surviving parents 75 percent to each parent. Percentages for a surviving divorced spouse would be the same as above. There may also be a special lump - sum death benefit. ", "Maximum Family Amount \nThere's a limit to the amount that family members can receive each month. The limit varies , but it is generally equal to between 150 and 180 percent of the basic benefit rate. If the sum of the benefits payable to family members is greater than this limit , the benefits will be reduced proportionately. Any benefits paid to a surviving divorced spouse based on disability or age won't count toward this maximum amount.  Other Things You Need To Know \nThere are limits on how much survivors may earn while they receive benefits. Benefits for a widow, widower, or surviving divorced spouse may be affected by several additional factors : If you remarry before you reach age 60 age 50 if disabled , you cannot receive benefits as a surviving spouse while you are married. If you remarry after you reach age 60 age 50 if disabled , you will continue to qualify for benefits on your deceased spouse's Social Security record. If you receive benefits as a widow, widower, or surviving divorced spouse , you can switch to your own retirement benefit as early as age 62. This assumes you are eligible for retirement benefits and your retirement rate is higher than your rate as a widow, widower, or surviving divorced spouse. In many cases , a widow or widower can begin receiving one benefit at a reduced rate and then, at full retirement age, switch to the other benefit at an unreduced rate. If you will also receive a pension based on work not covered by Social Security, such as government or foreign work , your Social Security benefits as a survivor may be affected. ", "A Special Lump-Sum Death Payment \nA surviving spouse or child may receive a special lump - sum death payment of $255 if they meet certain requirements. Generally , the lump - sum is paid to the surviving spouse who was living in the same household as the worker when they died. If they were living apart , the surviving spouse can still receive the lump - sum if, during the month the worker died, they : were already receiving benefits on the worker's record or became eligible for benefits upon the worker's death. If there's no eligible surviving spouse , the lump - sum can be paid to the worker's child or children if, during the month the worker died, the child : was already receiving benefits on the worker's record or became eligible for benefits upon the worker's death. If the eligible surviving spouse or child is not currently receiving benefits , they must apply for this payment within two years of the date of death. For more information about this lump - sum payment , contact your local Social Security office or call 1 - 800 - 772 - 1213 1 - 800 - 325 - 0778.", "Just as you plan for your family's protection if you die , you should consider the Social Security benefits that may be available if you are the survivor that is, the spouse, child, or parent of a worker who dies. That person must have worked long enough under Social Security to qualify for benefits.  How Your Spouse Earns Social Security Survivors Benefits \nA worker can earn up to four credits each year. In 2019 , for example , your spouse can earn one credit for each $1,360 of wages or self - employment income. When your spouse has earned $5,440 , they have earned their four credits for the year. The number of credits needed to provide benefits for survivors depends on the worker's age when they die. No one needs more than 40 credits 10 years of work to be eligible for any Social Security benefit. But , the younger a person is , the fewer credits they must have for family members to receive survivors benefits. Benefits can be paid to the worker's children and the surviving spouse who is caring for the children even if the worker doesn't have the required number of credits. They can get benefits if the worker has credit for one and one - half years of work 6 credits in the three years just before their death. Each person s situation is different and you need to talk to a Social Security claims representative about your choices. ", "Benefits Planner: Disability | How You Qualify \nTo qualify for Social Security disability benefits , you must first have worked in jobs covered by Social Security. Then you must have a medical condition that meets Social Security's definition of disability. In general , we pay monthly benefits to people who are unable to work for a year or more because of a disability. Benefits usually continue until you are able to work again on a regular basis. There are also a number of special rules, called \" work incentives, \" that provide continued benefits and health care coverage to help you make the transition back to work. If you are receiving Social Security disability benefits when you reach full retirement age, your disability benefits automatically convert to retirement benefits , but the amount remains the same.  How Much Work Do You Need? \nIn addition to meeting our definition of disability , you must have worked long enough and recently enough under Social Security to qualify for disability benefits. Social Security work credits are based on your total yearly wages or self - employment income. You can earn up to four credits each year. The amount needed for a work credit changes from year to year. In 2019 , for example , you earn one credit for each $1,360 in wages or self - employment income. When you've earned $5,440 , you've earned your four credits for the year. The number of work credits you need to qualify for disability benefits depends on your age when you become disabled. Generally , you need 40 credits , 20 of which were earned in the last 10 years ending with the year you become disabled. However , younger workers may qualify with fewer credits. For more information on whether you qualify , read our publication ; How You Earn Credits. ", "What We Mean By Disability \nThe definition of disability under Social Security is different than other programs. Social Security pays only for total disability. No benefits are payable for partial disability or for short - term disability. We consider you disabled under Social Security rules if : You cannot do work that you did before ; We decide that you cannot adjust to other work because of your medical condition ; and Your disability has lasted or is expected to last for at least one year or to result in death. This is a strict definition of disability. Social Security program rules assume that working families have access to other resources to provide support during periods of short - term disabilities, including workers' compensation, insurance, savings, and investments.  How We Decide If You Are Disabled \nIf you have enough work to qualify for disability benefits , we use a step - by - step process involving five questions. They are:  1. Are you working? \nIf you are working in 2019 and your earnings average more than $1,220 a month , you generally cannot be considered disabled. If you are not working , we will send your application to the Disability Determination Services DDS office that will make the decision about your medical condition. The DDS uses Steps 2 - 5 below to make the decision.  2. Is your condition \"severe\"? \nYour condition must significantly limit your ability to do basic work such as lifting, standing, walking, sitting, and remembering for at least 12 months. If it does not , we will find that you are not disabled. If your condition does interfere with basic work - related activities , we go to Step 3. ", "3. Is your condition found in the list of disabling conditions? \nFor each of the major body systems , we maintain a list of medical conditions that we consider so severe that it prevents a person from completing substantial gainful activity. If your condition is not on the list , we have to decide if it is as severe as a medical condition that is on the list. If it is , we will find that you are disabled. If it is not , we then go to Step 4. We have two initiatives designed to expedite our processing of new disability claims : Compassionate Allowances : Certain cases that usually qualify for disability can be allowed as soon as the diagnosis is confirmed. Examples include acute leukemia, Lou Gehrig s disease ALS, and pancreatic cancer. Quick Disability Determinations : We use sophisticated computer screening to identify cases with a high probability of allowance. For more information about our disability claims process , visit our Benefits For People With Disabilities website.  4. Can you do the work you did previously? \nAt this step , we decide if your medical impairment prevents you from performing any of your past work. It is doesn t, we ll decide you don t have a qualifying disability. If it does , we proceed to Step 5.  5. Can you do any other type of work? \nIf you can t do the work you did in the past , we look to see if there is other work you could do despite your impairment. We consider your medical conditions and your age, education, past work experience, and any transferable skills you may have. If you can t do other work , we ll decide you are disabled. If you can do other work , we ll decide that you don t have a qualifying disability and your claim will be denied. ", "Special Situations \nMost people who receive disability benefits are workers who qualify on their own records and meet the work and disability requirements we have just described. However , there are some situations you may not know about : If You're Blind Or Have Low Vision - How We Can Help If You Are The Worker's Widow Or Widower Benefits For A Disabled Child Benefits for Wounded Warriors & Veterans  Special Rules For People Who Are Blind Or Have Low Vision \nWe consider you to be legally blind under Social Security rules if your vision cannot be corrected to better than 20/200 in your better eye or if your visual field is 20 degrees or less, even with a corrective lens. Many people who meet the legal definition of blindness still have some sight and may be able to read large print and get around without a cane or a guide dog. If you do not meet the legal definition of blindness , you may still qualify for disability benefits if your vision problems alone or combined with other health problems prevent you from working. There are a number of special rules for people who are blind that recognize the severe impact of blindness on a person's ability to work. For example , the monthly earnings limit for people who are blind is generally higher than the limit that applies to non - blind disabled workers. In 2019 , the monthly earnings limit is $2,040. ", "Benefits For Disabled Widows Or Widowers \nIf something happens to a worker , benefits may be payable to their widow, widower, or surviving divorced spouse with a disability if the following conditions are met : He or she is between ages 50 and 60 ; Their condition meets the definition of disability for adults ; and The disability started before or within seven years of the worker's death. Widows, widowers, and surviving divorced spouses cannot apply online for survivors benefits. However , if they want to apply for benefits , they should contact Social Security immediatelyat to request an appointment. (If they are deaf or hard of hearing, they should call our TTY number at If they are disabled , they can speed up the application process if they complete an Adult Disability Report and have it available at the time of their appointment. We use the same definition of disability for widows and widowers as we do for workers.  Benefits For A Disabled Child \nA child under age 18 may be disabled , but we don't need to consider the child's disability when deciding if he or she qualifies for benefits as your dependent. The child's benefits normally stop at age 18 unless he or she is a full - time student in an elementary or high school benefits can continue until age 19 or is disabled.  Adults Disabled Before Age 22 \nAn adult disabled before age 22 may be eligible for child's benefits if a parent is deceased or starts receiving retirement or disability benefits. We consider this a \" child's \" benefit because it is paid on a parent's Social Security earnings record. The \" adult child \" including an adopted child, or, in some cases, a stepchild, grandchild, or step grandchild must be unmarried, age 18 or older, have a disability that started before age 22, and meet the definition of disability for adults. It is not necessary that the adult child ever worked. Benefits are paid based on the parent's earnings record. An adult child must not have substantial earnings. The amount of earnings we consider \" substantial \" increases each year. In 2019 , this means working and earning more than $1,220 a month. ", "What if the adult child is already receiving SSI benefits or disability benefits on his or her own record? \nAn adult child already receiving SSI benefits or disability benefits on his or her own record should still check to see if benefits may be payable on a parent's earnings record. Higher benefits might be payable and entitlement to Medicare may be possible.  How do we decide if an adult \"child\" is disabled for SSDI benefits? \nIf a child is age 18 or older , we will evaluate his or her disability the same way we would evaluate the disability for any adult. We send the application to the Disability Determination Services in your state that completes the disability decision for us.  What happens if the adult child gets married? \nIf he or she receives benefits as an adult disabled since childhood , the benefits generally end if he or she gets married. However , some marriages for example, to another adult disabled child are considered protected. The rules vary depending on the situation. Contact a Social Security representative at (If you are deaf or hard of hearing, call TTY number at to find out if the benefits can continue. If they are disabled , they can speed up the application process if they complete an Adult Disability Report and have it available at the time of their appointment.  Related Information \nApply For Disability Benefits Child Under Age 18 Family Benefits ", "Publications \nDisability Benefits Disability Starter Kits If You Are Blind Or Have Low Vision How We Can Help SSI Child Disability Starter Kit for children under age 18 Benefits For Children With Disabilities Other Disability Publications", "To qualify for Social Security disability benefits , you must first have worked in jobs covered by Social Security. Then you must have a medical condition that meets Social Security's definition of disability. In general , we pay monthly benefits to people who are unable to work for a year or more because of a disability. Benefits usually continue until you are able to work again on a regular basis. There are also a number of special rules, called \" work incentives, \" that provide continued benefits and health care coverage to help you make the transition back to work. If you are receiving Social Security disability benefits when you reach full retirement age, your disability benefits automatically convert to retirement benefits , but the amount remains the same.  How Much Work Do You Need? \nIn addition to meeting our definition of disability , you must have worked long enough and recently enough under Social Security to qualify for disability benefits. Social Security work credits are based on your total yearly wages or self - employment income. You can earn up to four credits each year. The amount needed for a work credit changes from year to year. In 2019 , for example , you earn one credit for each $1,360 in wages or self - employment income. When you've earned $5,440 , you've earned your four credits for the year. The number of work credits you need to qualify for disability benefits depends on your age when you become disabled. Generally , you need 40 credits , 20 of which were earned in the last 10 years ending with the year you become disabled. However , younger workers may qualify with fewer credits. For more information on whether you qualify , read our publication ; How You Earn Credits. ", "Social Security Benefit Verification Letter \nGet your Social Security Benefit Verification Letter online \nDo you know how to get an income verification letter or benefit verification letter from Social Security? Just log in to my Social Security to get instant access to your benefit verification letter.  What is a Social Security Benefit Verification Letter? \nThe benefit verification letter, sometimes called a benefits letter, or a Social Security award letter, serves as proof of your retirement, disability, Supplemental Security Income SSI, or Medicare benefits. It also serves as proof that you have applied for benefits or that you have never received Social Security benefits or SSI. You may also use your letter as proof for loans, housing assistance, mortgage, and for other income verification purposes. A Social Security benefit verification letter includes : your name , date of birth , and the benefit you receive from us.  Sign in to your mySocial Security account to get your copy \nAlready have a my Social Security Account? Sign In to your account below and go to Replacement Documents on the right side of the screen , then choose get a Benefit Verification Letter to view, save and print your personalized letter. Don't have a my Social Security Account? Creating a free my Social Security account takes less than 10 minutes, lets you download or print your benefit verification letter, and gives you access to many other online services.  Still have questions? \nIf you have questions or need help understanding how to request your benefit verification letter online , call our toll - free number at 1 - 800 - 772 - 1213 or visit your Social Security office. If you are deaf or hard of hearing , call our toll - free TTY number , 1 - 800 - 325 - 0778, between7 a.m. and 7 p.m. Monday through Friday.", "Get your Social Security Benefit Verification Letter online \nDo you know how to get an income verification letter or benefit verification letter from Social Security? Just log in to my Social Security to get instant access to your benefit verification letter.  What is a Social Security Benefit Verification Letter? \nThe benefit verification letter, sometimes called a benefits letter, or a Social Security award letter, serves as proof of your retirement, disability, Supplemental Security Income SSI, or Medicare benefits. It also serves as proof that you have applied for benefits or that you have never received Social Security benefits or SSI. You may also use your letter as proof for loans, housing assistance, mortgage, and for other income verification purposes. A Social Security benefit verification letter includes : your name , date of birth , and the benefit you receive from us.  Sign in to your mySocial Security account to get your copy \nAlready have a my Social Security Account? Sign In to your account below and go to Replacement Documents on the right side of the screen , then choose get a Benefit Verification Letter to view, save and print your personalized letter. Don't have a my Social Security Account? Creating a free my Social Security account takes less than 10 minutes, lets you download or print your benefit verification letter, and gives you access to many other online services.  Still have questions? \nIf you have questions or need help understanding how to request your benefit verification letter online , call our toll - free number at 1 - 800 - 772 - 1213 or visit your Social Security office. If you are deaf or hard of hearing , call our toll - free TTY number , 1 - 800 - 325 - 0778, between7 a.m. and 7 p.m. Monday through Friday.", "Benefits Planner: Retirement \n\n\nGetting Benefits While Working \nYou can work while you receive Social Security retirement or survivors benefits. When you do , it could mean a higher benefit for you in the future. Each year we review the records for all working Social Security recipients. If your earnings for the prior year are higher than one of the years we used to compute your retirement benefit , we will recalculate your benefit amount. We pay the increase retroactive to January the year after you earned the money. Higher benefits can be important to you later in life and increase the future benefit amounts your family and your survivors could receive. \n\nHow Much Can I Earn And Still Get Benefits? \nIf you are younger than full retirement age and make more than the yearly earnings limit , your earnings may reduce your benefit amount. (Full retirement age is 66 for people born between 1943 and 1954. Beginning with 1955, two months are added for every birth year until the full retirement age reaches 67 for people born in 1960 or later.) If you are under full retirement age for the entire year , we deduct $1 from your benefit payments for every $2 you earn above the annual limit. For 2019 , that limit is $17,640.", "Getting Benefits While Working \nYou can work while you receive Social Security retirement or survivors benefits. When you do , it could mean a higher benefit for you in the future. Each year we review the records for all working Social Security recipients. If your earnings for the prior year are higher than one of the years we used to compute your retirement benefit , we will recalculate your benefit amount. We pay the increase retroactive to January the year after you earned the money. Higher benefits can be important to you later in life and increase the future benefit amounts your family and your survivors could receive. \n\nHow Much Can I Earn And Still Get Benefits? \nIf you are younger than full retirement age and make more than the yearly earnings limit , your earnings may reduce your benefit amount. (Full retirement age is 66 for people born between 1943 and 1954. Beginning with 1955, two months are added for every birth year until the full retirement age reaches 67 for people born in 1960 or later.) If you are under full retirement age for the entire year , we deduct $1 from your benefit payments for every $2 you earn above the annual limit. For 2019 , that limit is $17,640.", "Benefits Planner: Retirement \nYou Can Apply For Retirement Benefits Or Medicare \nApply Online The easiest and quickest way to apply for retirement, spouse's, ex - spouse's, or Medicare benefits is to apply online. Apply By Phone Call us at If you are deaf or hard of hearing , you can call us at TTY Apply In Person Visit your local Social Security office. Call first to make an appointment. If you do not live in the U.S. or one of its territories you can also - Contact the nearest U.S. Social Security office, U.S. Embassy or consulate. You must be at least 61 years and 9 months old to apply for retirement benefits. If you are already age 62 , you may be able to start your benefits in the month you apply. You should apply for benefits no more than four months before the date you want your benefits to start. Benefits are paid the month after they are due. If your benefits start in April, you will receive your first benefit payment in May. If you are not getting Social Security and you are not ready to retire , you should still use our online retirement benefit application to sign up for just Medicare three months before your 65th birthday.  When You Apply \nPlease be ready to supply the information we need to approve your application for these benefits : You Need To Apply For Retirement Benefits Or Medicare - Form SSA-1 Information You Need to Apply for Spouse's or Divorced Spouse's Benefits Information - Form SSA-2 You Need To Apply for Child's Benefits - Form SSA-4 Information We may ask you to provide certain documents to show that you are eligible and help us decide how much your benefits should be. If you do not have a birth certificate , you may request one from the state where you were born. For details on where to write in your state , check. Also , bring along your bank information so you can sign up for Direct Deposit. If you do not have a bank account you can sign up for the Direct Express card program. With Direct Express , deposits from federal payments are made directly to the card. ", "Other Retirement Planning Websites \nBenefit Eligibility Screening Tool BEST to help identify other Social Security programs for which you may be eligible. The Employee Benefit Research Institute , Ballpark E$timator this calculator to get a basic idea of how much you need to save before you retire. Department of Labor DOL Publications And Reports page links to publications and consumer information on health benefits and retirement planning. Retirement Savings Toolkit page links to English and Spanish publications about retirement savings. \" Planning for Retirement / Retiring\" MyMoney.gov page provides links to a variety of retirement planning tools, including a Medicare Eligibility Tool. Retirement Resources USA.gov site provides a variety of financial planning tools, including a Federal Employees Retirement Calculator. Pension Benefit Guaranty Corporation (PBGC) (If you have or had a job with a defined benefit pension, the PBGC may be protecting your pension. If your pension plan was terminated, you may be able to use the PBGC's Find an Unclaimed Pension tool to find out if you have unclaimed benefits.)", "You Can Apply For Retirement Benefits Or Medicare \nApply Online The easiest and quickest way to apply for retirement, spouse's, ex - spouse's, or Medicare benefits is to apply online. Apply By Phone Call us at If you are deaf or hard of hearing , you can call us at TTY Apply In Person Visit your local Social Security office. Call first to make an appointment. If you do not live in the U.S. or one of its territories you can also - Contact the nearest U.S. Social Security office, U.S. Embassy or consulate. You must be at least 61 years and 9 months old to apply for retirement benefits. If you are already age 62 , you may be able to start your benefits in the month you apply. You should apply for benefits no more than four months before the date you want your benefits to start. Benefits are paid the month after they are due. If your benefits start in April, you will receive your first benefit payment in May. If you are not getting Social Security and you are not ready to retire , you should still use our online retirement benefit application to sign up for just Medicare three months before your 65th birthday.  When You Apply \nPlease be ready to supply the information we need to approve your application for these benefits : You Need To Apply For Retirement Benefits Or Medicare - Form SSA-1 Information You Need to Apply for Spouse's or Divorced Spouse's Benefits Information - Form SSA-2 You Need To Apply for Child's Benefits - Form SSA-4 Information We may ask you to provide certain documents to show that you are eligible and help us decide how much your benefits should be. If you do not have a birth certificate , you may request one from the state where you were born. For details on where to write in your state , check. Also , bring along your bank information so you can sign up for Direct Deposit. If you do not have a bank account you can sign up for the Direct Express card program. With Direct Express , deposits from federal payments are made directly to the card. ", "Medicare Benefits \nHow To Apply Online For Just Medicare \nYou can apply online for Medicare even if you are not ready to retire. Use our online application to sign up for Medicare. It takes less than 10 minutes. In most cases , once your application is submitted electronically , you re done. There are no forms to sign and usually no documentation is required. Social Security will process your application and contact you if we need more information. Otherwise , you ll receive your Medicare card in the mail. Learn more about your Medicare card. Apply for Medicare Only Return to Saved Application|Check Application Status|Replace Medicare Card Medicare is managed by the Centers for Medicare and Medicaid Services CMS. Social Security works with CMS by enrolling people in Medicare. For more information about applying for Medicare only and delaying retirement benefits , visit Applying for Medicare Only Before You Decide. To find out what documents and information you need to apply , go to the Checklist For The Online Medicare, Retirement, And Spouses Application.  New Medicare Cards \nTo help protect your identity , Medicare has sent you a new Medicare card. Your new card will have a new Medicare Number that s unique to you, instead of your Social Security Number. If you did not receive your new Medicare card , there may be something that needs to be corrected, like your mailing address. You can update your mailing address by logging in to or creating your personal my Social Security account. ", "Learn about Medicare \nMedicare is our country s health insurance program for people age 65 or older. Certain people younger than age 65 can qualify for Medicare, too, including those with disabilities and those who have permanent kidney failure. To learn more , read our Medicare publication.  Already Enrolled in Medicare \nIf you already have Medicare , you can get information and services online. Find out how to manage your benefits. If you already have Medicare Part A and wish to sign up for Medicare Part B, please complete form CMS 40-B, Application for Enrollment in Medicare - Part B Medical Insurance, and take or mail it to your local Social Security office. Anyone who has Medicare can get Medicare prescription drug coverage. Some people with limited resources and income also may be able to get Extra Help to pay for the costs.  Applying for Medicare \nWhen you apply for Medicare , you can sign up for Part A Hospital Insurance and Part B Medical Insurance. Because you must pay a premium for Part B coverage , you can turn it down. However , if you decide to enroll in Part B later on , you may have to pay a late enrollment penalty for as long as you have Part B coverage. Your monthly premium will go up 10 percent for each 12-month period you were eligible for Part B, but didn t sign up for it, unless you qualify for a special enrollment period. If you re eligible at age 65 , your initial enrollment period begins three months before your 65th birthday, includes the month you turn age 65, and ends three months after that birthday. However , if you don t enroll in Medicare Part B during your initial enrollment period , you have another chance each year to sign up during a general enrollment period from January 1 through March 31. Your coverage begins on July 1 of the year you enroll. Read our Medicare publication for more information. ", "Questions about our online application \nWho can apply for Medicare online? \nYou can use our online Medicare application if you : Are at least 64 years and 9 months old ; Want to sign up for Medicare but do not currently have ANY Medicare coverage ; Do not want to start receiving Social Security benefits at this time ; and Are not currently receiving Social Security retirement, disability or survivors benefits.  When should I apply? \nYou should sign up for Medicare three months before reaching age 65, even if you are not ready to start receiving retirement benefits. You can opt out of receiving cash retirement benefits now once you are in the online application. Then you can apply online for retirement benefits later. With our online application , you can sign up for Medicare Part A Hospital Insurance and Part B Medical Insurance. Because you must pay a premium for Part B coverage , you can turn it down. If you choose not to enroll in Medicare Part B and then decide to do so later , your coverage may be delayed and you may have to pay a higher monthly premium for as long as you have Part B. Your monthly premium will go up 10 percent for each 12-month period you were eligible for Part B, but didn t sign up for it, unless you qualify for a \" Special Enrollment Period. \"  Special Enrollment Period (SEP) \nIf you have medical insurance coverage under a group health plan based on your or your spouse's current employment , you may not need to apply for Medicare Part B at age 65. You may qualify for a \" Special Enrollment Period \" SEP that will let you sign up for Part B during : Any month you remain covered under the group health plan and your, or your spouse's, employment continues ; or The 8-month period that begins with the month after your group health plan coverage or the employment it is based on ends , whichever comes first. ", "Why apply for Medicare online? \nUsing the online Medicare application has a number of benefits. You can: Avoid trips to your Social Security Office, saving you time and money. Answer questions at your convenience by starting and stopping the application without fear of losing any information you entered. Make corrections to the application prior to submission. Submit your application electronically. There is no need to mail in your application. When you are finished , just select Submit Now to send your application to Social Security. Receive a receipt online for your application that you can print and keep for your records. Check the status of your application online. You will receive a confirmation number once you submit your application.  What happens after I apply? \nOnce we receive your application , we will Review your application and contact you if we need more information or if we need to see your documents ; Process your application once we have all of the necessary information and documents ; and Mail you a decision letter.  Other Medicare registration/enrollment options \nYou can also apply : By phone - Call us at 1 - 800 - 772 - 1213 from 7 a.m. to 7 p.m. Monday through Friday. If you are deaf or hard of hearing , you can call us at TTY 1 - 800 - 325 - 0778. In person - Visit your local Social Security office. Call first to make an appointment. If you do not live in the U.S. or one of its territories you can also contact the nearest U.S. Social Security office, U.S. Embassy or consulate.", "How To Apply Online For Just Medicare \nYou can apply online for Medicare even if you are not ready to retire. Use our online application to sign up for Medicare. It takes less than 10 minutes. In most cases , once your application is submitted electronically , you re done. There are no forms to sign and usually no documentation is required. Social Security will process your application and contact you if we need more information. Otherwise , you ll receive your Medicare card in the mail. Learn more about your Medicare card. Apply for Medicare Only Return to Saved Application|Check Application Status|Replace Medicare Card Medicare is managed by the Centers for Medicare and Medicaid Services CMS. Social Security works with CMS by enrolling people in Medicare. For more information about applying for Medicare only and delaying retirement benefits , visit Applying for Medicare Only Before You Decide. To find out what documents and information you need to apply , go to the Checklist For The Online Medicare, Retirement, And Spouses Application.  New Medicare Cards \nTo help protect your identity , Medicare has sent you a new Medicare card. Your new card will have a new Medicare Number that s unique to you, instead of your Social Security Number. If you did not receive your new Medicare card , there may be something that needs to be corrected, like your mailing address. You can update your mailing address by logging in to or creating your personal my Social Security account. ", "Change of Address \nChange your Address and Telephone number online \nAre you moving, currently receiving benefits or enrolled in Medicare and want to know how to change your address? You can change and update your information anytime, anywhere by logging in to or creating a free my Social Security account.  How to change your address? \nIf you get Social Security benefits retirement, survivors, or disability , you can update your contact information in a safe, quick, and convenient way by following these five steps : Log in to my Social Security. Select the My Profile link on the right side of the screen. Select the Update Contact Information button and enter your address information. Select when would you like to schedule the update, then select Next. Review and verify your information , select Submit. This service is not currently available to people who receive Supplemental Security Income SSI or do not have a U.S. mailing address. However , if you are receiving SSI , you can easily check your address we have on record via the My Profile Tab on my Social Security.  Sign in to your mySocial Security account and update your information \nAlready have a my Social Security Account? Sign In to your account below and go to My Profile tab to change and update your contact information. Don't have a my Social Security Account? Creating a free my Social Security account takes less than 10 minutes, lets you change and update your information and gives you access to many other online services. ", "Still have questions? \nIf you have questions or need help understanding how to change your address and telephone number online , call our toll - free number a 1 - 800 - 772 - 1213 or visit your Social Security office. If you are deaf or hard of hearing , call our toll - free TTY number , 1 - 800 - 325 - 0778, between7 a.m. and 7 p.m. Monday through Friday.", "Change your Address and Telephone number online \nAre you moving, currently receiving benefits or enrolled in Medicare and want to know how to change your address? You can change and update your information anytime, anywhere by logging in to or creating a free my Social Security account.  How to change your address? \nIf you get Social Security benefits retirement, survivors, or disability , you can update your contact information in a safe, quick, and convenient way by following these five steps : Log in to my Social Security. Select the My Profile link on the right side of the screen. Select the Update Contact Information button and enter your address information. Select when would you like to schedule the update, then select Next. Review and verify your information , select Submit. This service is not currently available to people who receive Supplemental Security Income SSI or do not have a U.S. mailing address. However , if you are receiving SSI , you can easily check your address we have on record via the My Profile Tab on my Social Security.  Sign in to your mySocial Security account and update your information \nAlready have a my Social Security Account? Sign In to your account below and go to My Profile tab to change and update your contact information. Don't have a my Social Security Account? Creating a free my Social Security account takes less than 10 minutes, lets you change and update your information and gives you access to many other online services. ", "Benefits for People with Disabilities \nDisability Home How To Apply Disability Starter Kits Benefits Planner Forms Publications Non - English Languages Direct Deposit Ticket to Work / Work Incentives Representative Payment Program Reporting Your Income Medicare / Medicaid Services Insure Kids Now Social Security Handbook Policy / Research Program / Actuarial Data Laws & Legislation Hearings & Appeals SSA Advisory Board Factsand Figures Frequently Asked Questions The Social Security and Supplemental Security Income disabilityprograms are the largest of several Federal programs that provideassistance to people with disabilities. While these two programsare different in many ways , both are administered by the SocialSecurity Administration and only individuals who have a disabilityand meet medical criteria may qualify for benefits under eitherprogram. Social Security DisabilityInsurancepays benefits to you and certain members of your familyif you are \" insured, \" meaning that you worked long enoughand paid Social Security taxes. Supplemental Security Incomepays benefits based on financial need. When you apply for either program , we will collect medical andother information from you and make a decision about whetheror not you meet Social Security's definition of disability. Use the Benefits Eligibility Screening Toolto find out which programs may be able to pay you benefits. If your application has recently been denied , the Internet Appeal is a starting point to request a review of our decision about your eligibility for disability benefits. If your application is denied for : Medical reasons , you can complete and submit the required Appeal Request and Appeal Disability Report online. The disability report asks you for updated information about your medical condition and any treatment, tests or doctor visits since we made our decision. Non - medical reasons , you should contact your local Social Security Office to request the review. You also may call our toll - free number , 1 - 800 - 772 - 1213, to request an appeal. People who are deaf or hard of hearing can call our toll - free TTY number , 1 - 800 - 325 - 0778. Report fraud , wasteand abuse ", "More Information \nDisability Determination Process How We Decide If You Are Disabled Compassionate Allowances We Need About Your Work And Education Information Benefits For Children With DisabilitiesProfessional RelationsGreen Book - Consultative Examinations: Guide For Health ProfessionalsBlue Book - Disability Evaluation Under Social Security Posttraumatic Stress Disorder Fact Sheet Neurological Teleconference Summary Disability Claims Process Video Series", "Benefits Planner: Retirement \nApplying for Medicare Only \nIf you are within three months of age 65 or older and not ready to start your monthly Social Security benefits yet , you can use our online retirement application to sign up just for Medicare and wait to apply for your retirement or spouses benefits later. Before you decide , you need to be sure that you understand how waiting until later will affect : the lifetime benefits we can pay on your account and your health insurance coverage.  Lifetime Benefits We Can Pay On Your Record \nYou can start your retirement benefit at any point from age 62 up until age 70. Your benefit amountwill be higher the longer you delay starting it. This adjustment is usually permanent. If you: Apply for benefits before full retirement age , your benefitswill be reduced because you are taking them earlier. (Full retirement age is 66 for people born between 1943 and 1954. Beginning with 1955, two months are added for every birth year until the full retirement age reaches 67 for people born in 1960 or later.) If your full retirement age is 66 and you decideto start your retirement benefits at age 65 , your benefit will be 93.33 percent of yourfull benefit amount. Delay receiving retirement benefits until after you reach full retirementage any month up to age 70 , you can increase your benefit by accumulating Delayed Retirement Credits. If your full retirement age is 66 and 2 months and you wait until age 70 , your benefitwill be 130.67 percent of your full retirement age benefit. Have family members who qualify for benefits, a delay meansyou would lose some of the benefits they might have received. However , delaying benefitsalso increases the maximum monthly survivors benefit your spouse may receive. ", "If You Plan To Continue Working \nEven if you plan to continue working , you may still be able to receive some benefits. If you areunder full retirement age and you earn over a certain amount , we will deduct the excess earnings from your benefits. If you delay receiving benefits until the month you reach full retirement age , you may receive yourbenefits with no limit on your earnings. For more information that will help you decide the best time to start benefits , please read Other Things To Consider.  Your Health Insurance Coverage \nMedicare is our country's health insurance program for people age 65 or older. The program helpswith the cost of health care , but it does not cover all medical expenses or the cost of mostlong - term care. Hospital insurance Part A helps pay for inpatient care in a hospital orskilled nursing facility following a hospital stay, some home health care, and hospicecare. Medical insurance Part B helps pay for doctors services andmany other medical serAnyone who is eligible for free Medicare hospital insurance Part A can enroll in Medicare medical insurance Part B by paying a monthly premium. Some beneficiaries with higher incomes will pay a highermonthly Part B premium. To find out the premium amount you pay , read \" \".  Should I Sign Up For Medical Insurance (Part B)? \nWhen you sign up for Medicare , you will be asked if you want to enroll in Medical insurance Part B. If you do not choose to enroll in Medicare Part B and then decide to do so later , your coverage maybe delayed and you may have to pay a higher monthly premium unless you qualify for a \" Special Enrollment Period, \" or SEP. ", "Special Enrollment Period (SEP) \nIf you are age 65 or older and your medical insurance coverage is under a group health plan based on your, or your spouse's, current employment , you may not need to applyfor Medicare supplementary medical insurance Part B at age 65. You may qualify for a SEP thatwill let you sign up for Part B during : Any month you remain covered under the group health plan and your, or your spouse's, employment continues ; or The 8-month period that begins with the month after your group health plan coverage or the employment it is based on ends , whichever comes first. Exception : If your group health plan coverage or the employment it isbased on ends during your initial enrollment period for Medicare Part B , you do not qualifyfor a SEP. Your initial enrollment period starts three months before the month you attain age 65and ends three months after the month you turn 65. If you want to know more about enrollment periods for Part B , please read the information about generaland SEP in our \" \" booklet or talk to your personnel office before you decide.", "Applying for Medicare Only \nIf you are within three months of age 65 or older and not ready to start your monthly Social Security benefits yet , you can use our online retirement application to sign up just for Medicare and wait to apply for your retirement or spouses benefits later. Before you decide , you need to be sure that you understand how waiting until later will affect : the lifetime benefits we can pay on your account and your health insurance coverage.  Lifetime Benefits We Can Pay On Your Record \nYou can start your retirement benefit at any point from age 62 up until age 70. Your benefit amountwill be higher the longer you delay starting it. This adjustment is usually permanent. If you: Apply for benefits before full retirement age , your benefitswill be reduced because you are taking them earlier. (Full retirement age is 66 for people born between 1943 and 1954. Beginning with 1955, two months are added for every birth year until the full retirement age reaches 67 for people born in 1960 or later.) If your full retirement age is 66 and you decideto start your retirement benefits at age 65 , your benefit will be 93.33 percent of yourfull benefit amount. Delay receiving retirement benefits until after you reach full retirementage any month up to age 70 , you can increase your benefit by accumulating Delayed Retirement Credits. If your full retirement age is 66 and 2 months and you wait until age 70 , your benefitwill be 130.67 percent of your full retirement age benefit. Have family members who qualify for benefits, a delay meansyou would lose some of the benefits they might have received. However , delaying benefitsalso increases the maximum monthly survivors benefit your spouse may receive. ", "Disability Benefits | Apply For A Child (Under Age 18) \n\n\nTo apply for a child... \nYou 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. 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. \n\nSteps to Apply \nREVIEW 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. CONTACT Social Security right away to find out whether the income and resources of the parents and the child are within the allowed limits, and to start the SSI application process. 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. We need this information so that we can make a decision on the child's claim. If you do not want to do this report online or you need help , you can call us toll - free at 1 - 800 - 772 - 1213. If you are deaf or hard - of - hearing , call our toll - free TTY number , 1 - 800 - 325 - 0778. Representatives are available Monday through Friday between 8 a.m. and 5:30 p.m.", "To apply for a child... \nYou 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. 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. \n\nSteps to Apply \nREVIEW 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. CONTACT Social Security right away to find out whether the income and resources of the parents and the child are within the allowed limits, and to start the SSI application process. 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. We need this information so that we can make a decision on the child's claim. If you do not want to do this report online or you need help , you can call us toll - free at 1 - 800 - 772 - 1213. If you are deaf or hard - of - hearing , call our toll - free TTY number , 1 - 800 - 325 - 0778. Representatives are available Monday through Friday between 8 a.m. and 5:30 p.m.", "Social Security Direct Deposit \nAlready receiving benefits \nIf you already receive Social Security or SSI benefits and you have a bank account , you can sign up for Direct Deposit by : starting or changing Direct Deposit online Social Security benefits only , or contacting your bank, credit union or savings and loan association , or calling Social Security toll - free at 1 - 800 - 772 - 1213 TTY 1 - 800 - 325 - 0778, or Consider the Direct Express debit card as another viable option. The Direct Express card is a debit card you can use to access your benefits. And you don't need a bank account. With the Direct Express card program , we deposit your federal benefit payment directly into your card account. Your monthly benefits will be available on your payment day on time, every time. You can use the card to make purchases, pay bills or get cash at thousands of locations. It s quick and easy to sign up for the card. Call the toll - free Direct Express hotline at 1 - 800 - 333 - 1795. Also , Social Security can help you sign up. If you don't have an account , you must open an account before you can sign up for Direct Deposit. You should shop around in your area to find an account that has the features you want at a price you can afford. When you decide on the account that is right for you , let the representative at the financial institution know that you are interested in signing up to receive your benefits by Direct Deposit. ", "Not currently receiving benefits \nIf you don t get Social Security or SSI benefits yet but are planning to apply , tell the Social Security representative when you apply for benefits that you want to sign up for Direct Deposit. If you already have an account , have your checkbook or a copy of your bank statement with you.  Related Information \nIf you would like to learn more about Direct Express view Treasury's You Tube Video If you would like to learn more about preventing identity theft visit Treasury's website at", "Already receiving benefits \nIf you already receive Social Security or SSI benefits and you have a bank account , you can sign up for Direct Deposit by : starting or changing Direct Deposit online Social Security benefits only , or contacting your bank, credit union or savings and loan association , or calling Social Security toll - free at 1 - 800 - 772 - 1213 TTY 1 - 800 - 325 - 0778, or Consider the Direct Express debit card as another viable option. The Direct Express card is a debit card you can use to access your benefits. And you don't need a bank account. With the Direct Express card program , we deposit your federal benefit payment directly into your card account. Your monthly benefits will be available on your payment day on time, every time. You can use the card to make purchases, pay bills or get cash at thousands of locations. It s quick and easy to sign up for the card. Call the toll - free Direct Express hotline at 1 - 800 - 333 - 1795. Also , Social Security can help you sign up. If you don't have an account , you must open an account before you can sign up for Direct Deposit. You should shop around in your area to find an account that has the features you want at a price you can afford. When you decide on the account that is right for you , let the representative at the financial institution know that you are interested in signing up to receive your benefits by Direct Deposit. ", "Not currently receiving benefits \nIf you don t get Social Security or SSI benefits yet but are planning to apply , tell the Social Security representative when you apply for benefits that you want to sign up for Direct Deposit. If you already have an account , have your checkbook or a copy of your bank statement with you.", "Manage Your Retirement Benefits \nSuccessfully filing for retirement benefits isn t the end of your Social Security journey. We have resources to save you time on important retirement tasks and keep you in control of your Social Security account benefits through a free my Social Security account.  Sign Up For mySocial Security \nA free my Social Security account makes it easy to manage your information. Create An Account Jump to a topic on this page : Understand Your Benefits / Inform Us Of Changes / Use Our Resources And Services To Stay In Control / Keep Your Information Secure  Understand Your Benefits \nEffectively managing your retirement benefits is an ongoing part of retired life. A solid foundation for this includes understanding what you re entitled to, staying up to date on program changes, and making sure we have your current information.  Know What You're Entitled To \nHelp 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.  Stay Up To Date \nWith SSA.gov , there are a few ways to stay in the know on the latest Social Security information : Subscribe to our Social Security Matters blog to hear from us on tips, tools, and updates on Social Security issues important to you. Check our annual Cost - of - Living Adjustments COLA updates and learn about any impact to your monthly benefit amount. Subscribe to our Email Digest for information to you on policy changes, agency news, and notifications on important events. Create your personal my Social Security account to receive important notices online through the Message Center. The Message Center is a secure, convenient portal where you can receive sensitive communications we don t send through email or text. ", "Additional Information \nExplore The Benefits You May Be Due Benefits For Your Family  FAQs \nWhat is a my Social Security online account and how do I get one? How do I sign up for Medicare?  Inform Us Of Changes \nWhen change happens in your life , letting us know ensures your benefits and information is kept up to date. Remember to tell us whenever there s a change in your life circumstance that could affect your benefits. Common changes to notify us of : Moving. Getting married or divorced. Changing your name. Adopting a child. No longer caring for a child who receives benefits. If you are a non - citizen and your status changes. Start getting a pension from work not covered by Social Security. Leave the United States for more than 30 days. Become unable to manage your funds. Are convicted of a criminal offense. The beneficiary dies. If you already receive Social Security benefits , you can update much of your information online with your personal my Social Security account. If you need to make a change that cannot be done through my Social Security , you can contact us for additional support.  Additional Information \nHow Social Security Can Help You When A Family Member Dies  FAQs \nHow can I change my address? What should I do when someone dies?  Use Our Resources And Services To Stay In Control \nThere are many time - saving options available to you. Here are our most popular online services : Check your application status. Set up or change direct deposit. Get a proof of income letter. Get a Social Security 1099 SSA-1099 form. Request a replacement Social Security card. Opt out of certain mailed notices. Advanced Designation of Representative Payee. We continue to expand the services available online. Visit our online services page to see a complete list, including the newest services to help you manage your information. You can also search our comprehensive FAQs section for help with specific retirement issues. If you need help with managing your benefits and cannot find the answer or service above , visit our contact us page for other ways to get support. ", "Keep Your Information Secure \nIdentity theft affects millions of people each year and can cause serious financial and identity - related problems. Protect yourself by securing your personal information, taking the time to understand the threat of identity theft, and exercising caution.  Protect Yourself From Fraud \nSocial Security is diligently working at national, regional, and local levels to combat the fraud that undermines our mission to serve the American public. There are steps you can take to help protect your personal information : Do not routinely carry your Social Security card. Never say your Social Security number aloud in public. Beware of phishing scams emails, internet links, texts, and phone calls to trick you into revealing personal information. Create a my Social Security account to help you keep track of your records. Visit If You Want Extra Security to learn about extra verification steps we can add to your account.  Report Suspicious Activity \nIf you receive a suspicious call from someone claiming to be from Social Security , hang up and then report details of the call to the Office of the Inspector General. You can do this by submitting a report online.  Additional Information \nProtecting Personal Information Fraud Prevention And Reporting Legal Enforcement And Financial Penalties  FAQs \nWhat should I do if I get a call claiming there's a problem with my Social Security number or account? How do you protect my identity when I use a my Social Security account?", "Learn About Retirement Benefits \nWe want you to know what Social Security can mean for you and your family s financial future. In this section , you can learn how Social Security works, who s eligible for retirement benefits, and what to consider before applying. Read on to understand how Social Security fits into your retirement plan.  Ready To Retire? \nStart your application today Apply Online For Retirement Benefits Jump to a topic on this page : How Retirement Benefits Work / Planning For Retirement / Deciding When To Start Retirement Benefits / What Else Affects Your Retirement Benefits  How Retirement Benefits Work \nSocial Security replaces a percentage of a worker s pre - retirement income based on their lifetime earnings. The portion of your pre - retirement wages that Social Security replaces is based on your highest 35 years of earnings and varies depending on how much you earn and when you choose to start benefits. The Social Security system works like this : when you work, you pay taxes into Social Security. We use the tax money to pay benefits to : People who have already retired. People who are disabled. Survivors of workers who have died. Dependents of beneficiaries. The money you pay in taxes isn t held in a personal account for you to use when you get benefits. We use your taxes to pay people who are getting benefits right now. Any unused money goes to a Social Security trust fund that pays monthly benefits to you and your family when you start receiving retirement benefits. ", "Additional Information \nAn Overview Of Retirement Benefits Your Retirement Benefit : How It s Figured Benefits For Your Family  FAQs \nWhat is the current maximum amount of taxable earnings for Social Security?  Planning For Retirement \nPlanning is the key to creating your best retirement. You ll need to plan and save for years to achieve your retirement goals. While many factors affect retirement planning , we want you to understand what Social Security can mean to you and your family s financial future.  Social Security Should Be Just One Part Of Your Retirement Plan \nOn average , retirement beneficiaries receive 40% of their pre - retirement income from Social Security. As you make your retirement plan , knowing the approximate amount you will receive in Social Security benefits can help you determine how much other retirement income you ll need to reach your goals.  Are You Eligible? \nWhen you work and pay Social Security taxes , you earn credits toward Social Security benefits. The number of credits you need to get retirement benefits depends on when you were born. If you were born in 1929 or later , you need 40 credits usually, this is 10 years of work. If you stop working before you have enough credits to qualify for benefits , the credits will remain on your Social Security record. If you return to work later , more credits may be added. We can t pay any retirement benefits until you have 40 credits. Our retirement planner has additional details on how Social Security Credits work. ", "Verify Your Earnings History \nThe amount of the Social Security benefits you or your family receives depends on the amount of earnings shown on your record. Regularly checking your Social Security earnings history can help ensure there are no surprises when it s time for you to start receiving benefits. You can find your earnings history on your annual Social Security Statement. Create a free my Social Security account to check your earnings history online. See how at Get Your Social Security Statement.  Estimate Your Benefits \nKnowing what you will get every month in retirement benefits will help you plan for your retirement. The Retirement Calculator within my Social Security allows you to get personalized retirement benefits estimates based on your actual earnings. This makes it easy to see how changes in the date or age at which you begin receiving retirement benefits will affect your future income. If you do not want to create a my Social Security account or are unable to set one up , we have other tools and resources to help you estimate your benefit amount. Visit the Social Security Calculators page for more online and downloadable calculator options.  Additional Information \nSpruce Up Your Financial Plan With Social Security Income From Pensions, Annuities, Interest, And Dividends Your Earnings Can Really Pay Off Monitoring Benefit Eligibility Screening Tool BEST  Deciding When To Start Retirement Benefits \nChoosing when to start receiving retirement benefits is a personal decision. If you choose to retire begin receiving benefits when you reach your full retirement age , you ll receive your full benefit amount. We will reduce your benefit amount if you retire start benefits before reaching full retirement age. To make an informed choice , consider the following factors as you think about when to start your Social Security benefits. ", "What Age Should You Start To Receive Benefits? \nThe age you begin collecting your retirement benefit affects how much you will receive. There are three important things to know about age when thinking about when to start your benefits.  Full Retirement Age \nFull retirement age is the age when you will be able to collect your full retirement benefit amount. The full retirement age is 66 if you were born from 1943 to 1954. The full retirement age increases gradually if you were born from 1955 to 1960, until it reaches 67. For anyone born 1960 or later , full retirement benefits are payable at age 67. You can find your full retirement age by birth year in the full retirement age chart.  Early Retirement Age \nYou can get Social Security retirement benefits as early as age 62. However , your benefit is reduced if you start receiving benefits before your full retirement age. Understand how claiming retirement benefits early will affect your benefit amount.  Delayed Retirement Age \nWhen you delay collecting benefits beyond your full retirement age , the amount of your retirement benefit will continue to increase up until age 70. There is no incentive to delay claiming after age 70.  Additional Information \nWhen To Start Receiving Retirement Benefits Your Options: Working, Applying For Retirement, Or Both? Social Security Credits  FAQs \nWhat is the maximum Social Security retirement benefit payable? When can I get Social Security retirement benefits? ", "What Else Affects Your Retirement Benefits \nEveryone s retirement is unique. Beyond deciding when to begin receiving retirement benefits , other factors that can affect your benefits include whether you continue to work, what type of job you had, and if you have a pension from certain jobs.  Continuing To Work \nYou can choose to keep working beyond your full retirement age. If you do , you can increase your future Social Security benefits. Each extra year you work adds another year of earnings to your Social Security record. Higher lifetime earnings can mean higher benefits when you choose to receive benefits.  Specific Types Of Earnings \nWhile Social Security earnings are calculated the same way for most American workers , there are some types of earnings that have additional rules. Earning types with special rules include : Farm Work Federal Government Employment Household Employment Military Service Nonprofit Or Religious Organizations Railroad Earnings Self-Employment State And Local Government Employment Wages Work Outside The United States  Pensions And Other Factors \nPensions and taxes have the potential to impact your retirement benefit. Review the resources below on pensions and other factors you should consider : Windfall Elimination Provision WEP : If you have a pension from a job for which you didn t pay Social Security taxes, this policy may lower your retirement benefits. Government Pension Offset GPO : This policy affects benefits as a spouse, widow, or widower if you have a pension from a government job for which you didn t pay Social Security taxes. Income Taxes And Your Social Security Benefits : You might have to pay federal income taxes on your Social Security benefits in certain situations. ", "Additional Information \nHow The Rules Work For You Getting Benefits While Working Military Service And Social Security Work For A Foreign Government Inside The USA  FAQs \nWill you lower my Social Security benefits if I get a pension from work not covered by Social Security?", "Medicare Premiums: Rules For Higher-Income Beneficiaries \nThe law requires an adjustment to your monthly Medicare Part B medical insurance and Medicare prescription drug coverage premiums. This affects less than five percent of people with Medicare. Most people don t pay higher premiums.  If You Have a Higher Income \nIf you have higher income , you ll pay an additional premium amount for Medicare Part B and Medicare prescription drug coverage. We call the additional amount the income - related monthly adjustment amount. Here s how it works : Part B helps pay for your doctors services and outpatient care. It also covers other medical services, such as physical and occupational therapy, and some home health care. For most beneficiaries , the government pays a substantial portion about 75 percent of the Part B premium , and the beneficiary pays the remaining 25 percent. If we determine you re a higher - income beneficiary , you ll pay a larger percentage of the total cost of Part B based on the income you normally report to the Internal Revenue Service IRS. You ll pay monthly Part B premiums equal to 35 , 50 , 65 , 80, or 85 percent of the total cost, depending on what you report to the IRS. Medicare prescription drug coverage helps pay for your prescription drugs. For most beneficiaries , the government pays a major portion of the total costs for this coverage , and the beneficiary pays the rest. Prescription drug plan costs vary depending on the plan, and whether you get the Extra Help, also known as the subsidy, with your portion of the Medicare prescription drug coverage costs. If you re a higher - income beneficiary with Medicare prescription drug coverage , you ll pay monthly premiums plus an additional amount, which is based on what you report to the IRS. Because individual plan premiums vary , the law specifies that the amount is determined using a base premium. We tie the additional amount you pay to the base beneficiary premium, not your own premium amount. If you re a higher - income beneficiary , we deduct this amount from your monthly Social Security payments regardless of how you usually pay your monthly prescription plan premiums. If the amount is greater than your monthly payment from Social Security, or you don t get monthly payments , you ll get a separate bill from another federal agency, such as the Centers for Medicare & Medicaid Services or the Railroad Retirement Board. ", "How Social Security Determines You Have a Higher Premium \nSocial Security uses the most recent federal tax return the IRS provides to us. If you must pay higher premiums , we use a sliding scale to calculate the adjustments, based on your modified adjusted gross income MAGI. Your MAGI is your total adjusted gross income and tax - exempt interest income. If you file your taxes as married, filing jointly and your MAGI is greater than $170,000 , you ll pay higher premiums for your Part B and Medicare prescription drug coverage. If you file your taxes using a different status, and your MAGI is greater than $85,000 , you ll pay higher premiums. See the chart below, Modified Adjusted Gross Income MAGI, for an idea of what you can expect to pay. If you must pay higher premiums , we ll send you a letter with your premium amount and the reason for our determination. If you have both Medicare Part B and Medicare prescription drug coverage , you ll pay higher premiums for each. If you have only one Medicare Part B or Medicare prescription drug coverage you ll pay an income - related monthly adjustment amount only on the benefit you have. If you decide to enroll in the other program later in the same year, and you already are paying an income - related monthly adjustment amount , we ll apply an adjustment automatically to the other program when you enroll. In this case , we won t send you another letter explaining how we made this determination. Remember , if your income isn t greater than the limits described above , this law does not apply to you. ", "Your Tax Return \nTo determine your 2020 income - related monthly adjustment amounts , we use your most recent federal tax return the IRS provides to us. Generally , this information is from a tax return filed in 2019 for tax year 2018. Sometimes , the IRS only provides information from a return filed in 2018 for tax year 2017. If we use the 2017 tax year data , and you filed a return for tax year 2018 or did not need to file a tax return for tax year 2018 , call us or visit any local Social Security office. We ll update our records. If you amended your tax return , we count and it changes the income to determine the income - related monthly adjustment amounts your MAGI , let us know. Social Security needs to see a copy of the amended tax return you filed and your acknowledgment receipt from IRS. We ll update our records with the information you provide, and correct or remove your income - related monthly adjustment amounts, as appropriate.  If Your Income Has Gone Down \nIf your income has gone down due to any of the following situations, and the change makes a difference in the income level we consider , contact us to explain that you have new information and may need a new decision about your income - related monthly adjustment amount : You married, divorced, or became widowed. You or your spouse stopped working or reduced your work hours. You or your spouse lost income - producing property because of a disaster or other event beyond your control. You or your spouse experienced a scheduled cessation, termination, or reorganization of an employer s pension plan. You or your spouse received a settlement from an employer or former employer because of the employer s closure, bankruptcy, or reorganization. If any of the above applies to you , we need to see documentation verifying the event and the reduction in your income. The documentation you provide should relate to the event and may include a death certificate, a letter from your employer about your retirement, or something similar. If you filed a federal income tax return for the year in question , you need to show us your signed copy of the return. Use Form Medicare Income - Related Monthly Adjustment Amount Life - Changing Event to report a major life - changing event. If your income has gone down , you may also use Form SSA-44 to request a reduction in your income - related monthly adjustment amount. You can find Form SSA-44. ", "Monthly Medicare premiums for 2020 \nThe standard Part B premium for 2020 is $144.60. If you re single and filed an individual tax return, or married and filed a joint tax return , the following chart applies to you : If you re married and lived with your spouse at some time during the taxable year, but filed a separate tax return , the following chart applies to you :  If You Disagree With Our Decision \nIf you disagree with the decision we made about your income - related monthly adjustment amounts , you have the right to appeal. The fastest and easiest way to file an appeal of your decision is online. You can file online and provide documents electronically to support your appeal. You can file an appeal online even if you live outside of the United States. You may also request an appeal in writing by completing a Request for Reconsideration Form SSA-561-U2 , or you may contact your local Social Security office to file your appeal. You can use the appeal form online, or request a copy through our toll - free number at 1 - 800 - 772 - 1213 TTY 1 - 800 - 325 - 0778. You don t need to file an appeal if you re requesting a new decision because you experienced one of the events listed and, it made your income go down, or if you ve shown us the information we used is wrong. If you disagree with the MAGI amount we received from the IRS , you must correct the information with the IRS. If we determine you must pay a higher amount for Medicare prescription drug coverage , and you don t have this coverage , you must call the Centers for Medicare & Medicaid Services CMS at 1 - 800-MEDICARE 1 - 800 - 633 - 4227; TTY 1 - 877 - 486 - 2048 to make a correction. Social Security receives the information about your prescription drug coverage from CMS. ", "Learn More \nFor more information about the income - related monthly adjustment amounts or to apply for Medicare Part A or B , visit our webpage Medicare Resources. You can read the Medicare & You 2020 Handbook. To enroll in Medicare prescription drug coverage or find more information about what Medicare covers , visit the Medicare website , or call 1 - 800-MEDICARE 1 - 800 - 633 - 4227; TTY 1 - 877 - 486 - 2048. Your State Health Insurance Counseling and Assistance Program SHIP also can help answer your Medicare questions. You can find your local SHIP contact information in the back of your Medicare & You 2020 Handbook online , or you can request it when you call. If you have limited resources and income , you may be able to get Extra Help with the costs monthly premiums, annual deductibles, and prescription copayments related to Medicare prescription drug coverage. Visit Extra Help with your Medicare prescription drug costs for more information.", "The law requires an adjustment to your monthly Medicare Part B medical insurance and Medicare prescription drug coverage premiums. This affects less than five percent of people with Medicare. Most people don t pay higher premiums.  If You Have a Higher Income \nIf you have higher income , you ll pay an additional premium amount for Medicare Part B and Medicare prescription drug coverage. We call the additional amount the income - related monthly adjustment amount. Here s how it works : Part B helps pay for your doctors services and outpatient care. It also covers other medical services, such as physical and occupational therapy, and some home health care. For most beneficiaries , the government pays a substantial portion about 75 percent of the Part B premium , and the beneficiary pays the remaining 25 percent. If we determine you re a higher - income beneficiary , you ll pay a larger percentage of the total cost of Part B based on the income you normally report to the Internal Revenue Service IRS. You ll pay monthly Part B premiums equal to 35 , 50 , 65 , 80, or 85 percent of the total cost, depending on what you report to the IRS. Medicare prescription drug coverage helps pay for your prescription drugs. For most beneficiaries , the government pays a major portion of the total costs for this coverage , and the beneficiary pays the rest. Prescription drug plan costs vary depending on the plan, and whether you get the Extra Help, also known as the subsidy, with your portion of the Medicare prescription drug coverage costs. If you re a higher - income beneficiary with Medicare prescription drug coverage , you ll pay monthly premiums plus an additional amount, which is based on what you report to the IRS. Because individual plan premiums vary , the law specifies that the amount is determined using a base premium. We tie the additional amount you pay to the base beneficiary premium, not your own premium amount. If you re a higher - income beneficiary , we deduct this amount from your monthly Social Security payments regardless of how you usually pay your monthly prescription plan premiums. If the amount is greater than your monthly payment from Social Security, or you don t get monthly payments , you ll get a separate bill from another federal agency, such as the Centers for Medicare & Medicaid Services or the Railroad Retirement Board. ", "Social Security Credits \nYou 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. The number of credits does not affect the amount of benefits you receive. It only determines if you are eligible or not. You do not get extra benefits for earning more than the minimum number of credits. We cannot pay benefits to you if you don t have enough credits. We use the amount of credits you ve earned to determine your eligibility for retirement or disability benefits, as well as your family s eligibility for survivors benefits when you die.  How Credits Are Earned \nSince 1978 , when you work and pay Social Security taxes , you earn up to a maximum of four credits per year. 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. The amount of earnings it takes to earn a credit may change each year. In 2020 , you earn one Social Security or Medicare credit for every $1,410 in covered earnings each year. You must earn $5,640 to get the maximum four credits for the year. During your lifetime , 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 , not the total number of credits you earn , determines how much your monthly payment will be when you receive benefits. Read our publication, \" How You Earn Credits, \" for more information. ", "Number Of Credits Needed For Retirement Benefits \nIf you were born after 1928 , you need 40 credits to qualify for retirement.  Number Of Credits Needed For Disability Benefits \nTo be eligible for disability benefits , you must meet a recent work test and a duration work test. The number of credits necessary to meet the recent work test depends on your age. The rules are as follows : Before age 24 - You may qualify if you have 6 credits earned in the 3-year period ending when your disability starts. Age 24 to 31 In general , you may qualify if you have credit for working half the time between age 21 and the time you become disabled. As a general example , if you become disabled at age 27 , you would need 3 years of work 12 credits out of the past 6 years between ages 21 and 27. Age 31 or older - In general , you must have at least 20 credits in the 10-year period immediately before you become disabled. The following table shows how many years of work credits you need to meet the duration of work test based on your age when your disability began. For the duration of work test , your work does not have to fall within a certain period. The table only provides an estimate of how many work credits you need. It does not cover all situations. If you are statutorily blind , you must only meet the duration of work test. When statutory blindness is involved , there is not a recent work test requirement. NOTE : This table is an estimate only and does not cover all situations ", "Number Of Credits Needed For Survivors Benefits \nThe number of credits needed for family members to be eligible for survivors benefits depends on your age when you die. The younger you are , the fewer credits needed. Nobody needs more than 40 credits. Under a special rule , we can pay benefits to your children and your spouse caring for your children, even if your record doesn't have the number of credits needed. They can get benefits if you have credits for one and one - half year's work 6 credits in the three years before your death. If you are already receiving retirement or disability benefits at the time of your death , we will pay your survivors based on that entitlement. We will not have to determine your credits again.", "Apply for Retirement Benefits \nStarting your Social Security retirement benefits is a major step on your retirement journey. This page will guide you through the process of applying for retirement benefits when you re ready to take that step. Our online application is a convenient way to apply on your own schedule, without an appointment. You can also apply by phone or by appointment at a Social Security office.  Ready To Retire? \nStart your application today Apply Online For Retirement Benefits Jump to a topic on this page : Before You Apply / How To Apply / Once You've Applied  Before You Apply \nBefore you apply , take time to review the basics, understand the process, and gather the documents you ll need to complete an application.  Review Retirement Benefits Basics \nYou can start your retirement benefits as early as age 62 or as late as age 70. If you re preparing to apply for retirement benefits, knowing when you re eligible to apply and how the system works are the first steps in choosing what age is right for you. Before you submit an application , go to our Learn About Retirement Benefits page to understand : How you qualify for Social Security benefits. How your earnings and age can affect your benefits. What you should consider in deciding when to start receiving benefits. Retirement benefits for spouses and family members.  Understand The Application Process \nThe retirement benefits application process follows these general steps, whether you apply online, by phone, or in person : Gather the information and documents you need to apply. Complete and submit your application. We review your application and contact you if we need more information. We mail you a decision letter. You start receiving your retirement benefits. ", "How Early Can I Apply? \nApply four months before you want your Social Security retirement benefits to start. If you want your benefits to start at age 62 , you can apply at age 61 and eight months.  Ready To Start Medicare? \nIf you ll turn 65 within three months, you can use our online application to apply for Medicare and Social Security retirement benefits at the same time , or you can use it to apply for just Medicare. To learn more about your Medicare options , review our section on Medicare Benefits.  Applying As A Spouse Or Family Member \nYou may be able to receive retirement benefits on your spouse or former spouse s record. Likewise , your spouse or family member may be able to receive benefits on your record if they qualify. Learn more about Benefits For Your Family.  Retirement Benefits For Survivors \nIf you are the spouse, divorced spouse, family member, or parent of a worker who has died and you are planning to apply for retirement benefits , review our Survivors Benefits page to see how Social Security survivor benefits relate to your situation.  Gather Information You Need to Apply \nBefore applying , be ready to provide your Social Security number and information about : Dates of current and previous marriages , and where you were married. U.S. military service dates and branches. Employer names and dates for the past two years. Self - employment income and type of business. Bank information to set up your direct deposit. Information on family members who may be eligible to receive benefits on your record. We will ask for certain documents we need to review and process your application. These documents may include : Your original birth certificate or other proof of your age. This must be the original document or a certified copy from the issuing agency. Proof of U.S. citizenship if you were not born in the U.S. and have not submitted proof for an earlier Medicare or Social Security claim. We must see the original document or copies certified by the agency that issued them. We cannot accept expired, notarized, or photocopied documents. A copy of your W-2 tax form and/or self - employment tax return from last year. A photocopy is acceptable. A copy of your U.S. military service papers if you served before 1968. A photocopy is acceptable. As you prepare to apply for benefits , first gather the documents listed on our Checklist for Online Medicare, Retirement & Spouses Application. Instructions on how to submit your documents will appear at the end of the online application. If applying by phone , gather the information above. We will walk you through the process on the phone. If applying in person , ask your local Social Security office what you need to bring when you call to schedule your appointment. They can help you if you don t have all your documents right now. ", "Additional Information \nEstimate Your Retirement Benefits You Need To Apply For Retirement Benefits Or Medicare Information Benefits For Your Family  FAQs \nHow do I sign up for Medicare?  How To Apply \nApplying online is the easiest way to complete your application at a time that works for you, without a trip to the Social Security office. You can also apply by phone or at a Social Security office. This section will tell you about the different options.  Apply Online \nFollow these steps to apply online : To start your application , go to our Apply for Benefits page, read and agree to the Terms of Service. Click Next. On that page , review the Getting Ready section to make sure you have the information you need to apply. Select Start A New Application. We will ask a few questions about who is filling out the application. You will then sign into your my Social Security account or you will be prompted to create one. Complete the application. Watch our video, Welcome To Our Online Retirement / Medicare Application, for an overview of the process.  Tips For Using The Online Application \nWe ve worked hard to make applying online as simple as possible while also keeping your information safe. For security reasons , the online application gives you a warning if you leave it open and don t do anything for 25 minutes. You can choose to extend your time on the page if you get this warning. However , after the third warning , you must move to another page or your information will not be saved. Here are more tips for using the online application : If you get stuck on a question , you can skip to the next question and come back later. You can save your application to finish another time if needed. Next time you sign in , go to Return to a Saved Application. You are not allowed to use periods, commas, or other special characters for some answers, including addresses. If you get a message about this , go back and enter the information without periods or other characters. Start your application now. ", "Signing The Online Application \nYou ll have a chance to review your answers and make changes, if needed. Once you ve filled everything out , we ll ask you to confirm that your answers are true to the best of your knowledge. You can be held liable for intentionally providing false or misleading information. The last step is to sign the online application by clicking Submit Now. You can check the status of your submitted application using a confirmation number we provide.  Helping Someone Else Apply Online \nYou may help someone else fill out their application , but you are not allowed to sign it for them. Only the person applying for benefits can legally sign the application. If they are not able to sign online , we will mail them a copy to sign. Read more about Helping Someone Apply Online.  Apply With Your Local Office \nYou can do most of your business with Social Security online. If you cannot use these online services , your local Social Security office can help you apply. Although our offices are closed to the public , employees from those offices are assisting people by telephone. You can find the phone number for your local office by using our Field Office Locator and looking under Social Security Office Information. The toll - free Office number is your local office.  Apply By Phone \nCall 1 - 800 - 772 - 1213 TTY 1 - 800 - 325 - 0778 from 8:00 a.m. to 5:30 p.m. , Monday through Friday , to apply by phone. ", "If You Do Not Live In The U.S. Or One Of Its Territories \nContact 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.  Additional Information \nOur Online Benefits Application What Is An Account? Online Services  FAQs \nHow do I return to an online application for retirement benefits that I already started but did not finish?  Once You've Applied \nOnce we receive your application , we ll review it and contact you if we have any questions. We might request additional documents from you before we can process your application.  Look For Our Response \nYou ll receive a letter in the mail with our decision. If you included information about other family members when you applied , we ll let you know if they may be able to receive benefits from your application.  Check The Status \nYou can check the status of your application online using your personal my Social Security account. If you are unable to check your status online , you can call us 1 - 800 - 772 - 1213 TTY 1 - 800 - 325 - 0778 from 8:00 a.m. to 5:30 p.m., Monday through Friday.  Appeal A Decision \nYou have a right to appeal any decision we make about whether you re entitled to benefits. You must request an appeal in writing within 60 days of receiving our decision. There are four levels of appeal : Reconsideration by Social Security staff. A hearing before an administrative law judge. A review by Social Security s Appeals Council. A review by the federal courts. To learn more , visit Appeal A Decision. ", "Withdraw Your Application \nSometimes , life changes occur after you submit your application. You have up to 12 months to withdraw your application, if you change your mind. You will be required to repay any benefits you ve already received. Learn more about Withdrawing Your Social Security Retirement Application.  Additional Information \nGet Your Social Security Benefit Verification Letter Online Your Right To Question The Decision Made On Your Claim  FAQs \nHow do I check the status of a pending application for benefits?"], "va": ["Tuition Assistance Top-Up \nDoes your college tuition 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.  Am I eligible for tuition assistance? \nYou can get tuition assistance if you re approved for federal TA and you meet both of the requirements listed below. Both of these must be true : You qualify for Montgomery GI Bill Active Duty MGIB - AD or Post-9/11 GI Bill benefits , and The cost of the course and fees is more than TA will cover.  Who s covered? \nVeterans  What benefits can I get? \nYou can get more tuition funding to cover the difference between the full cost of a college course and the amount covered under active - duty TA for up to 36 months.  How do I get these benefits? \nYou ll need to apply. Apply for benefits If you re using the Montgomery GI Bill , you ll get the difference between the DoD payment and the total cost of the course. If you re using the Post-9/11 GI Bill , we ll pay back your school the difference between the DoD payment and the authorized approved maximum tuition and fees. Note: It s very important that you talk with your education officer and use the GI Bill Comparison Tool before applying for benefits through this program. Using Top - Up will affect your GI Bill payments , so you ll want to think carefully about your situation before applying. If you re going to take more courses after leaving the military , figure out if the GI Bill benefits you have left will cover your needs. Use the GI Bill Comparison Tool If you use the Montgomery GI Bill , this benefit will be reduced, or charged, one month of entitlement for each payment received that is equal to the full - time monthly GI Bill rate. See the rate tables If you use the Post-9/11 GI Bill , this benefit will be charged based on training time no matter how much money you re paid back. Half - time training rates reduce your GI Bill benefit by a half - month for each month you re enrolled. Exception : In no case will the combined amount paid by DoD and VA be more than the total cost of the course. ", "Get more information \nRead the Top - Up fact sheet PDF", "Multiple party or contested claims \nMark your calendar \nYou have 60 days from the date on your decision to request a Board Appeal.  Can I add new evidence? \nYou have the option to add new evidence for a judge to review. You ll have to submit this evidence within 90 days from the date VA receives your Board Appeal form. This option will take longer.  Can I request a hearing? \nYou have the option to request a hearing with a judge. A video conference hearing will take place at a VA location near you. This option will take longer.  What happens at a hearing? \nYou and the judge will have a conversation. The judge will listen to your testimony. The judge may ask you a few questions. Your representative , if you have one , may help you at the hearing. The hearing will be transcribed and added to your appeal file. You can add new and relevant evidence within 90 days after the hearing , but it isn t required.  How do I request a Board Appeal? \nTo request a Board Appeal , fill out the Decision Review Request: Board Appeal VA Form 10182. Download VA Form 10182 PDF  Choose one of the 3 options to appeal with a Veterans Law Judge \nDirect ReviewIf you want a Veterans Law Judge to review your case as quickly as possible, choose a Direct Review. Evidence SubmissionIf you have additional evidence for a Veterans Law Judge to review, choose Evidence Submission. Hearing RequestIf you want a video conference hearing with a Veterans Law Judge at a nearby VA location , choose a Hearing Request. At your hearing , you and a Veterans Law Judge will have a conversation , and they ll ask you questions about your appeal. Your hearing will be transcribed and added to your appeal file. Learn more about hearings and how to request one ", "List the issue(s) you want to appeal in Part III \nYou can include all or just some of the issues VA has decided. You ll need to list the issue you disagree with and the VA decision date for each.  Apply \nFill out the Decision Review Request: Board Appeal VA Form 10182. Download VA Form 10182 PDF By mail Send the completed form and any supporting documents to this address : Board of Veterans AppealsPO Box 27063Washington , D.C. 20038 In person Bring your completed form to a regional benefit office. Find a regional benefit office near you By fax Fax your completed form to 844 - 678 - 8979. You can also ask a regional benefit office for a copy of this form to fill out. Or you can call the VA toll - free hotline at 800 - 827 - 1000, Monday through Friday , 8:00 a.m. - 9:00 p.m. ET , to request a form.  After a Board decision \nIf you disagree with the Board s decision , you can appeal to the U.S. Court of Appeals for Veterans Claims. You can hire an attorney to represent you , or you can represent yourself. Learn more about filing a Court Appeal  Mark your calendar \nYou have 120 days from the date on your decision to file a Court Appeal. Note: A Court Appeal must be filed with the Court, not with VA.  What happens next? \nFind out what happens after you request a decision review You don t need to do anything while you wait unless VA sends you a letter asking for more information. If VA schedules exams for you , be sure not to miss them. Track the status of your appeal ", "What if I need help? \nA Veterans Service Organization or VA - accredited attorney or agent can help you request a decision review. Get help requesting a decision review  What if I have more questions? \nGet answers to frequently asked questions about decision reviews. Go to FAQs", "About VA disability ratings \nLearn about VA disability ratings and how we assign your rating. If you have more than one service - connected condition, use our disability rating calculator or the ratings table to find your VA combined disability rating.  How we assign VA disability ratings \nWhat is a disability rating? \nWe assign you a disability rating based on the severity of your disability. We express this rating as a percentage, representing how much your disability decreases your overall health and ability to function. We then use your disability rating to determine your disability compensation rate, so we can calculate how much money you ll receive from us each month. We also use your disability rating to help determine your eligibility for other benefits, like VA health care.  What does VA use to decide my disability rating? \nWe base your rating on : The evidence you give us like a doctor s report or medical test results , and The results of your VA claim exam also called a compensation and pension, or C&P, exam, if we determine you need this exam , and we may get from other sources like federal agencies Other information  What if I have more than one disability? \nWe use a method called the whole person theory to determine what we call your combined disability rating. We do this to make sure that your total VA disability rating doesn t add up to more than 100 %. That s because a person can t be more than 100% able - bodied. Read below to find out more about how we calculate your combined disability rating. ", "How do ratings work for a disability I had before entering the service that got worse because of my service? \nIf you get disability benefits for a preservice disability , we base your monthly compensation amount on the level of aggravation. Level of aggravation means how much worse your preservice disability got because of your military service. For example : If you had an illness or injury also known as a condition that was rated as 10% disabling when you entered the military, and it became 20% disabling due to the effects of your service , then the level of aggravation would be 10 %.  Is there anything else, other than my disability rating, that may affect the amount of compensation I receive? \nYes. We may increase or decrease your compensation amount in certain situations. Learn more about compensation rates  What happens after I get my disability rating? \nFind out what to expect after you get your rating  How we determine combined VA disability ratings \nIf you have more than one disability , we use the combined ratings table below to calculate your combined disability rating. To make this table easier to use online , we ve separated it into smaller tables, based on the percentage of the most severe, or highest rated, disability. You can also download the full combined ratings table PDF. Note: If you have 2 disabilities, each rated at 10% disabling , your combined disability rating is 19 %. ", "Combined ratings table (not rounded) \nTip: Look for your highest disability rating or highest combined rating in the left column, and your next lowest disability rating in the top column. Your combined rating is the number where the 2 intersect on the chart, rounded to the nearest 10 %. Tip: Look for your highest disability rating or highest combined rating in the left column, and your next lowest disability rating in the top column. Your combined rating is the number where the 2 intersect on the chart, rounded to the nearest 10 %. Tip: Look for your highest disability rating or highest combined rating in the left column, and your next lowest disability rating in the top column. Your combined rating is the number where the 2 intersect on the chart, rounded to the nearest 10 %. Tip: Look for your highest disability rating or highest combined rating in the left column, and your next lowest disability rating in the top column. Your combined rating is the number where the 2 intersect on the chart, rounded to the nearest 10 %. Tip: Look for your highest disability rating or highest combined rating in the left column, and your next lowest disability rating in the top column. Your combined rating is the number where the 2 intersect on the chart, rounded to the nearest 10 %. Tip: Look for your highest disability rating or highest combined rating in the left column, and your next lowest disability rating in the top column. Your combined rating is the number where the 2 intersect on the chart, rounded to the nearest 10 %. Tip: Look for your highest disability rating or highest combined rating in the left column, and your next lowest disability rating in the top column. Your combined rating is the number where the 2 intersect on the chart, rounded to the nearest 10 %. Tip: Look for your highest disability rating or highest combined rating in the left column, and your next lowest disability rating in the top column. Your combined rating is the number where the 2 intersect on the chart, rounded to the nearest 10 %. ", "How we use the combined ratings table \nWe follow these steps to calculate your combined rating.  Step 1 \nWe start by putting your disability ratings in order, from highest to lowest percentage. For example : If you had 2 disabilities rated as 50% disabling and 30% disabling , we d rank them in this order : 50%, then 30 %.  Step 2 \nNext , we look for your highest rating in the left column of the combined ratings table, and the next highest rating in the top row of the combined ratings table. In our example : We d look for 50 in the left column and 30 in the top row.  Step 3 \nThen , we look across from the 50 in the left column and down from the 30 in the top row to find the number that appears where the left column and top row meet. This is the combined value of the 2 ratings. In our example : This would be 65.  Step 4 \nIf you have 2 disabilitiesWe round that combined value to the nearest 10% to find your combined disability rating. We round combined values ending in 1 to 4 down, and those ending in 5 to 9 up. In our example : Your combined disability rating would be 70 %.  Step 5 \nIf you have more than 2 disabilities We repeat the process for each additional disability. This means we take the combined value before rounding of the first 2 disability ratings and then combine that with the third highest rating, and so on until we ve added all disability ratings. We then round the final value to the nearest 10% to get your combined disability rating. For example : If we added a third disability rated at 10% disabling to our original example , we would take your combined value of 65 and look for that number in the left column of the combined ratings table. We would then look for 10 in the top row and find the number where the left column and top row meet. In this example , that number would be 69. We would then round this number up to 70% , and this would be your combined disability rating. ", "Get more information \nWatch our videos to learn more about how VA disability ratings and compensation work : Compensation 101: How did I get this rating? YouTube Compensation 101 : What is disability compensation? YouTube Compensation 101 : What is service connection? (YouTube) If you need help understanding your benefits or accessing services , please call us at 877 - 827 - 1000. We re here Monday through Friday , 8:00 a.m. to 9:00 p.m. ET.", "VA home loan programs for surviving spouses \nTo get a VA - backed home loan as the surviving spouse of a Veteran , you ll need a Certificate of Eligibility COE to show your lender that you qualify for this benefit. Find out if you can get a COE. Keep in mind that you ll also need to meet your lender s credit and income requirements to get a loan.  Can I get a COE? \nYou may be able to get a COE if you re the spouse of a Veteran , and at least one of the descriptions below is true for them. At least one of these must be true. The Veteran : Is missing in action , or Is a Prisoner of War POW , or Died while in service or from a service - connected disability and you didn t remarry, or Died while in service or from a service - connected disability and you didn t remarry before you were 57 years old or before December 16 , 2003, or Had been totally disabled and then died , but their disability may not have been the cause of death in certain situations Note: A surviving spouse who remarried before December 16 , 2003, and on or after their 57th birthday, must have applied no later than December 15 , 2004, to establish home loan eligibility. We ll have to deny applications we received after December 15 , 2004, from surviving spouses who remarried before December 16 , 2003. ", "How do I apply for a COE? \nThis depends on whether or not you re receiving Dependency & Indemnity Compensation DIC.  If you re receiving DIC benefits \nYou ll need to fill out a Request for Determination of Loan Guaranty Eligibility Unmarried Surviving Spouses VA Form 26 - 1817. Download VA Form 26 - 1817 You ll also need the Veteran s DD214 or other separation papers if available. Get military service records online Submit the form and discharge or separation papers to : Your lender for processing online , or that serves your stateFind a VA regional loan center The VA regional loan center  If you re not receiving DIC benefits \nYou ll first need to fill out an Application for DIC, Survivors Pension and/or Accrued Benefits VA Form 21P-534EZ. Download VA Form 21P-534EZ You ll also need : The Veteran s DD214 or other separation papers if available , and A copy of your marriage license , and The Veteran s death certificate Get military service records online Submit the form and documents to the VA pension management center that serves your state. Find a VA pension management center  Next steps for getting a VA-backed home loan \nApplying for your COE is only one part of the process for getting a VA - backed home loan. Your next steps will depend on the type of loan you re looking to get and on the private bank or mortgage company that s serving as your lender. Note: If you already have a VA - backed loan and you re having trouble making your mortgage payments , we can help you avoid foreclosure and keep your house. Learn about VA financial counseling", "Request your military service records (including DD214) \nSubmit a military records request to get your DD214 or other military service records through the milConnect website.  You ll need to sign in to milConnect to get your military service records \nTo use this feature , you'll need a Premium DS Logon account. Your My HealtheVet or ID.me credentials won t work on the milConnect website. Go to milConnect to sign in, register, or upgrade your DS Logon account to Premium. Go to milConnect  Once I ve signed in to milConnect, how do I request my DD214 or other military records? \nFollow the steps below to submit a military records request. From your signed - in homepage , click or tap on Correspondence/ Documentation. Then select Defense Personnel Records Information DPRIS from the drop - down menu. Choose the Personnel File tab. Select Request My Personnel File. Fill out the form. In the Document Index section , check the boxes next to the document you'd like to request. Click or tap on the Create and Send Request button.  What types of records can I request with this tool? \nYou can request documents from your Official Military Personnel File to view and download. You can request your : DD214 DD215 Report of Separation Other release papers You can also request documents with information about your service, such as your : Orders and endorsements Performance reports Awards and decorations commendatory items Qualifications , licenses , and certificates Security clearance ", "What happens after I request my military records? \nYou ll receive an email letting you know we re processing your request. You ll receive a second email when your request is complete and your files are ready for you to view and download. You can also check the status of your military records request by signing in to milConnect and going to the Personnel File tab within the Defense Personnel Records Information DPRIS section. This is also where you ll view and download your files once they re ready.  Are there other ways to get my military records? \nYes. You can request your military records in any of these ways : Mail or fax a Request Pertaining to Military Records Standard Form SF 180 to the National Personnel Records Center NPRC. Download Form SF 180 PDF Write a letter to the NPRC. Send it to : 1 Archives Drive St. Louis, Missouri 63138 Visit the NPRC in person Contact your state or county Veterans agency Hire an independent researcher  How do I request someone else s military records? \nIf you re a family member planning a burial for a Veteran in a VA national cemetery \nCall our National Cemetery Scheduling Office at 800 - 535 - 1117. We can help you get the Veteran s DD214 or other discharge documents you may need. Get more information about planning a burial  If you re the next of kin of a Veteran who has passed away \nYou can request a copy of the Veteran s military records in any of these ways : Mail or fax a Request Pertaining to Military Records Standard Form SF 180 to the National Personnel Records Center NPRC. Download Form SF 180 PDF Write a letter to the NPRC. Send it to : 1 Archives Drive St. Louis, Missouri 63138 Visit the NPRC in person Contact your state or county Veterans agency Hire an independent researcher You may be considered the next of kin if you re related to the Veteran in any of these ways : Surviving spouse who hasn't remarried , or Parent , or Child, or Sibling ", "If you re not the Veteran s next of kin \nIf the Veteran was discharged more than 62 years ago , you can order a copy of their military records. The National Archives opens all records to the public 62 years after discharge. Learn how to access archived records If the Veteran was discharged less than 62 years ago , you may be able to request limited information from their Military Personnel File. Find out about general public access to military records", "About VA health benefits \nIf you qualify for VA health care , you ll receive coverage for the services you need to help you get and stay healthy. Learn more about your health care benefits.  What care and services does VA health care cover? \nEach Veteran s medical benefits package is unique. Yours will include care and services to help : Treat illnesses and injuries Prevent future health problems Improve your ability to function Enhance your quality of life All Veterans receive coverage for most care and services , but only some will qualify for added benefits like dental care. The full list of your covered benefits depends on : Your priority group , and The advice of your VA primary care provider your main doctor, nurse practitioner, or physician s assistant , and The medical standards for treating any health conditions you may have Learn more about priority groups You should also know that being signed up for VA health care meets your Affordable Care Act ACA health coverage requirement of having minimum essential health coverage. We ll update this site if the ACA changes with new laws. Learn more about the ACA, VA, and you  What if I m just separating from active duty and don t know where to start? \nWe can help you learn about and apply for VA health care benefits. A member of our Concierge for Care C4C team will call you soon after your separation from military service. We can answer any questions you may have, process your application over the phone, and help you schedule your first VA medical appointment. Learn about transitioning from TRICARE to VA health care ", "More about your medical benefits package \nWe cover preventive care services, like : Health exams including gender - specific exams Health education including nutrition education Immunization against infectious diseases like flu shots Counseling on genetic diseases diseases that run in families We cover inpatient hospital services, like : Surgeries Medical treatments Kidney dialysis Acute care short - term treatment for a severe illness or injury or after surgery Specialized care including organ transplants, intensive care for mental and physical conditions, and care for traumatic injuries. See more VA medical and surgical specialty care services We cover urgent and emergency care services, like : Urgent or emergency care at some VA health facilities. Find a VA health facility near you Urgent care for injuries and illnesses that need attention right away, but aren't life threatening, at urgent care locations that are part of our contracted network. This may include care at a VA - approved : Walk - in retail health clinic for minor illnesses like a sore throat or earache Urgent care facility for more pressing but not life - threatening illnesses or injuries that require treatment like splinting, casting, or wound care To use these services, you ll need to be enrolled in VA health care , and you'll need to have received care from us within the past 24 months. Be sure to tell the urgent care provider that you're using the VA urgent care benefit when you arrive. Learn more about urgent care Emergency care in a non - VA hospital, clinic, or other medical setting only under certain conditions. For us to consider covering non - VA emergency care for a non - service - connected condition , you ll need to meet several requirements. Learn more about non - VA emergency medical care We cover other services and needs, like : Mental health services to treat certain issues like posttraumatic stress disorder PTSD, military sexual trauma MST, depression, and substance use problems. Learn more about mental health services Assisted living and home health care depending on your needs and income as well as space in the programs. Learn more about assisted living and home health care Prescriptions written or approved by a VA doctor. Refill your prescriptions We may cover services that your VA primary care provider concludes you need to support your treatment called ancillary services, like : Tests used to diagnose health conditions, including blood work, X - rays, and ultrasounds Therapy and rehabilitation services , including physical therapy, vision rehab, and therapy for traumatic brain injury Additional services , including prosthetic items, audiology care for hearing loss, and radiation oncology cancer care You may be able to get help with some non - medical services, like : Beneficiary travel benefits help paying for travel related to treatment Caregiver support help for the person who cares for you Veterans transportation service help getting to and from appointments Contact the patient advocate at the VA medical center where you go for care. Your patient advocate can help you get foreign language or American Sign Language services to help you or your family members understand your medical or health care benefits. To find out how to reach the patient advocate at your VA medical center , go to the website of the VA health care system that the medical center is part of. In the page s navigation , click on Patients & Visitors. A submenu will appear. Select Patient Information and then Customer Service. Find your medical center s website We cover routine eye exams and preventive tests. In some cases , you may get coverage for eyeglasses or services for blind or low - vision rehabilitation. Learn more about vision care through VA In certain cases , you may receive dental care as part of your VA health benefits. Find out if you can get dental care through VA As a Veteran , you may be able to get assisted living, residential live - in, or home health care through VA.Find out how to access these long - term care services These services are not included in your VA medical benefits package : Abortions and abortion counseling Cosmetic surgery , unless we conclude that it s medically necessary needed to prevent or treat a certain illness, injury, condition, disease, or symptoms Gender alteration gender reassignment surgery Health club or spa membership Medicines and medical devices that aren t approved by the Food and Drug Administration FDA, except in 2 special cases : You re in an approved clinical trial , or You re seriously ill and your VA health care provider prescribes a new, unapproved medicine because there are no other comparable treatment options called a compassionate use or expanded access exemption if you re a patient or inmate in a non - VA government agency institution, if that agency must provide the care or services by law Inpatient hospital or outpatient care We ll fill prescriptions by a non - VA community provider only if you meet all the requirements listed below. All of these must be true : You re enrolled in VA health care You have an assigned VA primary care provider You ve given your VA provider your medical records from your non - VA provider Your VA provider agrees with the prescription Learn more about prescriptions from community providers This will depend on factors like your income level, disability rating, and military service history. Most Veterans need to complete a financial assessment when they enroll. This helps us determine if you qualify for free VA health care. Learn more about VA copaysFind out more about financial assessments At VA , we take a team approach to health care with you at the center. Research shows this kind of approach leads to better quality care, more satisfied patients, and fewer hospital visits. Find out who will care for you when you become part of the VA health care program. When you sign up for VA health care , you become part of the country s largest integrated health care system with more than 1,200 care locations serving nearly 9 million Veterans each year. Learn more about where you ll get care If you have other forms of health care coverage like a private insurance plan, Medicare, Medicaid, or TRICARE , you can use VA health care benefits along with these plans. Learn more about how VA works with other health insurance Yes. ", "If you're an eligible American Indian or Alaska Native Veteran \nWhen you receive care through an Indian Health Service facility or Tribal Health facility that has a reimbursement agreement with us : You don't need us to approve or \" preauthorize \" your care before you get treated , and You don't need to pay a VA copay If you live in Alaska You may be able to receive care through an Indian Health Service facility or Tribal Health facility even if you're not an eligible American Indian or Alaska Native Veteran. But , you'll need to get preauthorization before you receive care , and you may need to pay a copay for your care. To learn more , email the Indian Health Service and Tribal Health Health Program team or read more about the Indian Health Service and Tribal Health Programs online. Please call us at 877 - 222 - 8387. We're here Monday through Friday , 8:00 a.m. to 8:00 p.m. ET. Or contact your state s Veterans agency Yes. If you re signed up for the VA health care program , you can manage your VA health and benefits online : Refill your prescriptionsSend a secure message to your health care team You can also check the status of a disability or pension claim online. Check your claim status", "Change your VA direct deposit information \nChange your VA direct deposit information for disability compensation, pension benefits, or education benefits online.  How can I change my VA direct deposit information online? \nThis depends on the type of benefits you're receiving. You can change your information for disability compensation and pension benefits by updating your VA.gov profile. To change your information for GI Bill and other education benefits , you'll need to sign in to eBenefits.  Disability compensation and pension benefit payments \nWe're testing out the direct deposit feature on VA.gov \nWe're in the process of bringing direct deposit to VA.gov. This feature isn't available to everyone right now. If you see the direct deposit feature in your profile , you can update your direct deposit information from there. If you don t see this feature in your profile , please go to eBenefits and sign in to change your direct deposit information. Note: You ll need your bank s routing number as well as your account number.  To cancel your direct deposit payments, switch from paper checks to direct deposit, or change the address on your paper checks \nPlease call us at 800 - 827 - 1000. We re here Monday through Friday , 8:00 a.m. to 9:00 p.m. ET. Or go to your nearest VA regional office.  Education benefits \nYou ll need to sign in to eBenefits to change your VA direct deposit and contact information online. \nTo use this feature , you'll need a Premium DS Logon account. Your My HealtheVet or ID.me credentials won t work on the eBenefits website. Go to eBenefits to sign in, register, or upgrade your DS Logon account to Premium. Go to eBenefits to change your information Note: You'll need your bank's name, address, phone number, and routing number as well as your account number. ", "Are there other ways to change my VA direct deposit or contact information? \nYes. You can change your information by mail or phone.  By mail \nFill out a VA Direct Deposit Enrollment VA Form 24 - 0296. Download VA Form 24 - 0296 PDF Mail the completed form to : Department of Veterans Affairs125 S. Main Street , Suite BMuskogee , OK 74401 - 7004  By phone \nCall us at 800 - 827 - 1000 TTY : 800 - 829 - 4833. We re here Monday through Friday , 8:00 a.m. to 9:00 p.m. ET.  Change your address through your VA.gov profile \nYou can sign in to VA.gov and change your address or other contact information in your VA.gov profile. This will update your information across disability compensation, pension benefits, claims and appeals, Vocational Rehabilitation & Employment VR&E, and VA health care. Find out how to change your address on file with VA  Should I contact VA if I have other changes to my information? \nYes. It s important to update your information with us if you change your marital status, have a baby, adopt a child, or experience any other life change that could affect your rating or payment.  If you move or change your mailing address \nMake sure to update your contact information so we send information about your benefits and services as well as any prescriptions, lab test results, or appointment reminders you may need to the right location. You can change your address and other contact information in your VA.gov profile. This will update your contact information across disability compensation, pension benefits, claims and appeals, Vocational Rehabilitation and Employment VR&E, and VA health care. Find out how to change your address on file with VA ", "If you have a disability rating of 30% or higher \nYou may be able to add eligible dependents to your VA disability compensation to get a higher payment also called a benefit rate. Find out how to add eligible dependents  If your disability gets worse \nYou can file a claim for an increase in benefits. File for a VA disability increase", "After you apply for health care benefits \nAfter you ve applied for VA health care , we ll send you a letter in the mail to let you know if your application has been approved. Find out when to expect your letter and what to do next.  When will I hear back about my application? \nIf more than a week has passed since you gave us your application and you haven t heard back , please don t apply again. Call our toll - free hotline at 877 - 222 - 8387.  If you approve my application, what do I do next? \nWait for your welcome call from VA . We ll call you to welcome you to the VA health care program, help you with scheduling your first doctor s appointment, and answer any questions you may have about your health care benefits. Read your Veterans Health Benefits Handbook. We ll send this to you by mail. Your handbook will explain your specific health care benefits based on the priority group we assigned you, how much you ll pay in copays, and other helpful information. Download a sample handbook PDF Get your Veterans Health Identification Card VHIC. This is the card you ll use for ID and to check in at your VA health care appointments. To get your card , contact your local VA medical center and speak with the enrollment coordinator. Ask the coordinator to help you arrange to have your picture taken for your new VHIC. Or , you can request your VHIC at your next VA health care appointment. Learn more about the VHIC Find a VA medical center near you Go to your first VA doctor s appointment. You may have requested a doctor s appointment when you applied either in person or on your application. If you did , we ll set up an appointment for you with a VA doctor or provider and send you a notice with your appointment time in the mail. If you didn t ask for a doctor s appointment when you applied , we ll help you set up your appointment during your welcome call. ", "Other questions you may have \nContact your local VA medical center or clinic and ask for : The enrollment coordinator , or The urgent care clinic , or The emergency room Find a VA health facility near you If you want to know more about your VA health care benefits, your health care team, and where you ll go for care , we can help. Learn more about your VA health care coverage If you re signed up for VA health care , you can manage your VA health and benefits online through VA.gov: Refill your prescriptionsSend a secure message to your health care teamCheck the status of a disability or pension claim If you need help accessing services , call our toll - free hotline at 877 - 222 - 8387, Monday through Friday , 8:00 a.m. to 8:00 p.m. ET. To update your personal information, such as income, address, and insurance, fill out a Health Benefits Update Form VA Form 10 - 10EZR. Download VA Form 10 - 10EZR PDF Mail this form and any supporting materials to : Health Eligibility Center2957 Clairmont Road , Suite 200Atlanta, GA 30329 You can also get help updating your personal information by visiting your local VA facility. Find a VA facility near you If you disagree with the decision , you can file an appeal. We ll send you a letter with the reason we re not approving your application. This letter will include instructions on how to appeal the decision. Download our How Do I Appeal? booklet PDF First , you ll want to gather any evidence to support your eligibility to stay enrolled in VA health care and send it to us. Evidence may include documents like doctor s reports, medical tests, or military service records. You ll have 60 days from the date you received your letter to send us this evidence before we make our final decision. During these 60 days , you ll keep and can continue to use your VA health care benefits. If we decide not to keep you enrolled in VA health care after this time , you have the right to appeal our decision. Learn how to appeal a VA decision PDF You can cancel, or decline, enrollment at any time. Just submit a signed and dated document like a letter telling us that you want to cancel your coverage. You can bring your document to a VA medical center or mail it to this address : VA Health Eligibility Center HEC 2957 Clairmont RoadAtlanta, GA 30329 Note: Canceling your enrollment in VA health care may impact your health care coverage requirements under the Affordable Care Act if you don t have other health care. You may reapply at any time. But please note that we ll consider you a new applicant when you reapply. We ll base your eligibility on the eligibility requirements at that time.", "Schedule and view VA appointments online \nWith our VA Appointments tools , you can schedule some VA health care appointments online. You can also view details about upcoming appointments and organize your health calendar. Find out if you re eligible, and how to sign up to begin using these tools on our My HealtheVet health management portal.  How do I talk to someone right now? \nIf you're a Veteran in crisis or concerned about one , 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. To connect with a Veterans Crisis Line responder anytime day or night : Call 800 - 273 - 8255 , then select 1. Start a confidential Veterans chat. Text 838255. If you have hearing loss , call TTY : 800 - 799 - 4889. You can also : Call 911. Go to the nearest emergency room. Go directly to your nearest VA medical center. It doesn't matter what your discharge status is or if you're enrolled in VA health care. Find your nearest VA medical center Please note: The fastest way to make all your VA appointments is usually to call the VA health facility where you want to receive care. If you can t keep an existing appointment , please contact the facility as soon as possible to reschedule or cancel. Find your VA health facility s phone number ", "View your VA appointments online \nSchedule or cancel a VA appointment online \nHow can VA Appointments tools help me manage my health care? \nVA Appointments tools offer a secure, web - based way to schedule, view, and organize your VA appointments online. You can use these tools to : Schedule some of your VA medical appointments online Reschedule and cancel appointments made online View appointments on your health calendar Find the location of the VA facility for your appointments Set up email reminders for upcoming appointments Print a list of your future appointments Look up past appointments from the last 2 years Add non - VA appointments to your health calendar  Am I eligible to use the VA Appointments tools? \nYou can use these tools if you meet all of the requirements listed below. All of these must be true. You: Are enrolled in VA health care , and Are scheduling your appointment with a VA health facility that uses online scheduling , and Have had an appointment at that VA health facility within the last 2 years Find out how to apply for VA health care And , you must have one of these free accounts : A Premium My HealtheVet account , or A Premium DS Logon account used for eBenefits and milConnect , or that you can create here on VA.gov A verified ID.me account Learn about the 3 different My HealtheVet account types  How do I know if my VA health facility uses online scheduling? \nYou can check our list of VA facilities that are currently using the online scheduling tool. We hope to expand the number of VA facilities and types of appointments in the future. View a list of VA facilities currently using online scheduling ", "What types of VA medical appointments can I schedule online? \nThis will depend on the VA health facility where you re receiving care. You may be able to schedule outpatient appointments for : Primary care Mental health Optometry Audiology Check with the specific facility where you re receiving care to ask about scheduling appointments online. See which VA facilities currently use online scheduling Find a VA health facility  Can I use this tool to schedule non-VA appointments? \nNo. Learn more about getting care from non - VA providers.  Can I schedule appointments through VA Secure Messaging? \nIf you use Secure Messaging with your VA health care team , you may be able to use this service to schedule and cancel appointments. Learn more about Secure Messaging  Will my personal health information be protected? \nYes. This is a secure website. We follow strict security policies and practices to protect your personal health information. And only you and your VA health care team will have access to your secure messages. If you print or download any messages , you ll need to take responsibility for protecting that information. Get tips for protecting your personal health information  What if I have more questions? \nYou can get answers to your questions about these tools within our My HealtheVet web portal. Read VA Appointments FAQs You can also contact the My HealtheVet Help Desk. Find out how to contact us online Or call us at 877 - 327 - 0022 TTY : 800 - 877 - 8339. We re here Monday through Friday , 7:00 a.m. to 7:00 p.m. CT.", "Military sexual trauma (MST) \nMilitary sexual trauma MST refers to sexual assault or repeated, threatening sexual harassment that happened while a Veteran was in the military. This can happen to both women and men. If you were involved in any sexual act against your will during your time in the military , you may have experienced MST. Find out how to access our free services that can help you recover.  How do I talk to someone right now? \nIf you're a Veteran in crisis or concerned about one , 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. To connect with a Veterans Crisis Line responder anytime day or night : Call 800 - 273 - 8255 , then select 1. Start a confidential Veterans chat. Text 838255. If you have hearing loss , call TTY : 800 - 799 - 4889. You can also : Call 911. Go to the nearest emergency room. Go directly to your nearest VA medical center. It doesn't matter what your discharge status is or if you're enrolled in VA health care. Find your nearest VA medical center  What services does VA provide for Veterans who ve experienced MST? \nWe provide free, confidential private counseling and treatment to male and female Veterans for both mental and physical health problems linked to MST. Our services include : MST - related treatment and support at every VA medical center , and providers knowledgeable about treating the aftereffects of MST at each facility Specialized outpatient mental health services focused on sexual trauma at many VA locations Counseling with professionals who are specially trained to treat conditions related to sexual trauma at Vet Centers across the country Specialized MST treatment in a residential live - in or inpatient setting including gender - specific programs for Veterans who need more intensive care Treatment and support for health conditions linked to MST , like : Posttraumatic stress disorder PTSD Depression Substance use problems ", "How do I access VA services for MST? \nIf you re a Veteran who has experienced MST , you can get help through VA . You don t need to have a service - connected disability rating, and you may be able to get MST - related care even if you don t qualify for other VA services. You also don t need to have reported the MST or have other proof that it happened. Here s how to access VA services for MST : If you have a VA primary care provider , talk to that professional about what you ve been through. All our primary care providers are trained in MST and can help you figure out if you have related issues, like PTSD or depression. Your provider will offer treatment and support as needed. If you don t have a VA primary care provider , call your nearest VA medical center and ask to speak to the MST coordinator. You should feel free to ask for a provider of a specific gender if that makes you feel more comfortable. Find a VA medical center near you If you d prefer to receive MST - related care outside of a medical setting , get free confidential counseling, alcohol and drug assessment, and other support at one of our 300 community Vet Centers. Find a Vet Center near you If you re homeless or at risk of becoming homeless : Contact the National Call Center for Homeless Veterans at 877 - 424 - 3838 for help 24 hours a day , 7 days a week. A trained VA counselor will offer information about VA homeless programs, health care, and other services in your area. The call is free and confidential. Visit our website to learn about VA programs for Veterans who are homeless. Learn about our homelessness programs Call or visit your local VA Community Resource and Referral Center. Even if you don t qualify for VA health care , our staff can help you find non - VA resources you may qualify for in your community. Find your local Community Resource and Referral Center You can also call the VA general information hotline at 800 - 827 - 1000, Monday through Friday , 8:00 a.m. to 9:00 p.m. ET. See our Guide to VA Mental Health Services PDF ", "Can I get disability compensation (monthly payments) or other benefits from VA? \nYou can t get compensation for the traumatic event itself. But you may be able to get disability compensation for conditions resulting from MST like PTSD the most common mental health condition linked to MST. Find out if you can get disability benefits for PTSD Or get help applying for disability compensation by : Reading our fact sheet on disability compensation for conditions related to MST. Read the fact sheet PDF Talking to the MST coordinator at your nearest VA regional office. Find an MST coordinator near you  Where can I find more information and support? \nDownload our military sexual trauma brochure for Veterans : In English PDF En espa ol PDF Download our educational brochure for men who ve experienced MST : In English PDF En espa ol PDF Watch a video about MST, its effects on survivors, and VA services available to Veterans who ve experienced MST. Watch the video Access more fact sheets , articles , and resources , and learn more about our programs and services. Get VA information about mental health Go to our Make the Connection website to hear stories from Veterans about their own experiences with the effects of MST, and find more resources and support. Visit Make the Connection Go to the Department of Defense DoD Safe Helpline website, a crisis support service for members of the DOD community affected by sexual assault. When you contact the Safe Helpline , you can remain anonymous meaning you don t have to give your name. You can get 1-on-1 advice, support, and information 24/7 by phone, text, or online chat. You can also connect with a sexual assault response coordinator near your base or installation. Visit SafeHelpline.org", "VA clothing allowance \nHas your clothing been damaged by your prosthetic or orthopedic device such as a wheelchair or by the medicine you re taking for a skin condition? If it has , you may be able to get money each year to help you buy new clothes. This is a disability compensation benefit known as an annual clothing allowance. Find out if you can get this benefit.  Can I get disability benefits from VA? \nYou may be able to get disability benefits if you meet both of the requirements listed below. Both of these must be true : Your prosthetic or orthopedic device or your skin medicine causes damage to your clothes , and You need this device or skin medicine because of an injury or illness related to your military service called a service - connected condition  Who s covered? \nVeterans  What disability benefits can I get? \nA one - time payment , or A yearly payment Note : The current clothing allowance rate is $817.48. View current rates for special allowances  How do I get these benefits? \nYou ll need to file a claim for disability compensation. Find out how to file a claim for disability compensation When you file a disability claim , you ll also need to fill out this additional form : An Application for Annual Clothing Allowance VA Form 10 - 8678 Download VA Form 10 - 8678 PDF Bring it to the prosthetic representative at your local VA medical center. To get your yearly payment , you ll need to qualify by August 1 of that year. You may be able to get more than one payment if you meet at least one of the requirements listed below. At least one of these must be true : You have more than one prosthetic or orthopedic device , or You have more than one skin medicine , and/or Your device or skin medicine affects more than one type of clothing. View the current payment rates Note: If you qualify , you ll receive payments between September 1 and October 31. Use our facility locator to find your nearest VA medical center. Find a VA medical center near you For more information , call us at 800 - 827 - 1000, Monday through Friday , 8:00 a.m. to 9:00 p.m. ET. We collect applications throughout the year and hold them until the August 1 closing date.", "VA disability compensation for PTSD \nPosttraumatic stress can happen after someone goes through a traumatic event such as combat, an assault, or a disaster. Most people have some stress reactions following trauma. But if the reactions don t go away over time or they disrupt your life , you may have posttraumatic stress disorder PTSD. Find out if you can get disability compensation or benefits if you have symptoms of PTSD. Learn more about PTSD  How do I talk to someone right now? \nIf you're a Veteran in crisis or concerned about one , 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. To connect with a Veterans Crisis Line responder anytime day or night : Call 800 - 273 - 8255 , then select 1. Start a confidential Veterans chat. Text 838255. If you have hearing loss , call TTY : 800 - 799 - 4889. You can also : Call 911. Go to the nearest emergency room. Go directly to your nearest VA medical center. It doesn't matter what your discharge status is or if you're enrolled in VA health care. Find your nearest VA medical center  Can I get disability benefits from VA? \nYou may be able to get disability benefits if you have symptoms related to a traumatic event the stressor or your experience with the stressor is related to the PTSD symptoms , and you meet all of the requirements listed below. All of these must be true : The stressor happened during your service , and You can t function as well as you once could because of your symptoms , and A doctor has diagnosed you with PTSD ", "What does VA consider to be a traumatic event? \nWe consider any of these to be a traumatic event : You suffered a serious injury, personal or sexual trauma, or sexual violation , or You were threatened with injury, sexual assault, or death  Who s covered? \nVeterans  What kind of disability benefits can I get? \nHealth care Compensation payments Treatment for PTSD  How do I get these benefits? \nYou ll need to file a claim for disability compensation. Find out how to file a claim for disability compensation When you file a disability claim , you ll also need to fill out one of these additional forms : A Statement in Support of Claim for Service Connection for Post - Traumatic Stress Disorder VA Form 21 - 0781. Download VA Form 21 - 0781 PDF or A Statement in Support of Claim for Service Connection for Post - Traumatic Stress Disorder Secondary to Personal Assault VA Form 21 - 0781a. Download VA Form 21 - 0781a PDF Note: In our screening process , we ll focus on getting a full understanding of your PTSD to help determine your eligibility for disability benefits. We won t offer you treatment during this process. If you re looking for treatment options , please talk with your health care provider or learn more about accessing VA services for PTSD. Find out how to access VA services for PTSD If you re in crisis and need to talk with someone right now , you can connect with a Veterans Crisis Line responder any time, day or night. Find out how to get support now ", "Get more information \nWe ve made great progress in treating PTSD and have brought more mental health providers to VA medical centers to help give the best care to Veterans with PTSD. Learn about our PTSD programs", "Exposure to specific environmental hazards \nIf you had contact with certain environmental hazards while serving in Iraq, Afghanistan, and other areas , you may have illnesses or other conditions believed to be caused by these toxic chemicals in the air, water, or soil. Find out if you can get disability compensation or benefits. \n\nCan I get disability benefits from VA? \nYou may be able to get disability benefits if you have an illness or other condition believed to be caused by your contact with an environmental hazard while serving in the military. This may include contact with : Particulate matter or large burn pits in Iraq, Afghanistan, and Djibouti in the Horn of Africa A large sulfur fire at Mishraq State Sulfur Mine near Mosul, Iraq Hexavalent chromium at the Qarmat Ali water treatment plant in Basra, Iraq Pollutants from a waste incinerator near the Naval Air Facility at Atsugi, Japan \n\nWho s covered? \nVeterans \n\nWhat kind of disability benefits can I get? \nHealth care Compensation payments \n\nHow do I get these benefits? \nYou ll need to file a claim for disability compensation. Find out how to file a claim for disability compensation When you file , you ll have to show that your health problems are linked to your contact with certain environmental hazards while serving in the military. Be sure to send in all information such as the Burn Pit Registry supporting your claim that you came into contact with certain environmental hazards. Check the Burn Pit Registry", "VA decision reviews and appeals \nMark your calendar \nYou have 1 year from the date on your decision to request a decision review, unless you have a fiduciary claim or a multiple party claim. See if one of these rare situations applies to you  Decision review options \nAdd new and relevant evidence file a Supplemental Claim Ask for a new look from a senior reviewer request a Higher - Level Review Appeal to a Veterans Law Judge request a Board Appeal  Add new and relevant evidence \nDownload VA Form 20 - 0995: Supplemental Claim PDF When you choose to file a Supplemental Claim , you re adding new evidence that supportsyour case or identifying evidence for review. A reviewer will look at all the evidence anddetermine whether it changes the decision. Learn how to file a Supplemental Claim  Can I file a Supplemental Claim? \nYou can file a Supplemental Claim within 1 year of a decision if you have new evidence. But you can t file a Supplemental Claim if you have a fiduciary claim or you re one of multiple people claiming the same benefit this is rare. See if one of these rare situations applies to you  Ask for a new look from a senior reviewer \nDownload VA Form 20 - 0996: Higher - Level Review PDF When you choose to request a Higher - Level Review , you re asking for another review of the same evidence. A seniorreviewer will take another look at your case and determinewhether the decision can be changed based on a difference of opinion or an error that VA made. Learn how to request a Higher - Level Review ", "Can I request a Higher-Level Review? \nYou can request a Higher - Level Review of an initial claim or Supplemental Claimdecision. This option isn t available after a Higher - Level Review or Board Appeal.  Appeal to a Veterans Law Judge \nDownload VA Form 10182: Board Appeal PDF A judge at the Board of Veterans Appeals in Washington, D.C., will review your case. Learn more about how to request a Board Appeal  Can I request a Board Appeal? \nYou can request a Board Appeal after an initial claim, Supplemental Claim, or Higher - Level Review decision. You can t request 2 Board Appeals in a row.  After a Board decision \nIf you disagree with the Board s decision and have new and relevant evidence that supports your case , you can file a Supplemental Claim. You can also appeal to the U.S. Court of Appeals for Veterans Claims. Learn more about your options after a Board decision  What happens next? \nFind out what happens after you request a decision review You don t need to do anything while you wait unless VA sends you a letter asking for more information. If VA schedules exams for you , be sure not to miss them. Track the status of your claim or appeal  What if I need help? \nA Veterans Service Organization or VA - accredited attorney or agent can help you request a decision review. Get help requesting a decision review ", "What if I have more questions? \nGet answers to frequently asked questions about decision reviews. Go to FAQs", "How to apply for the GI Bill and related benefits \nFind out how to apply for the GI Bill and other VA education benefits as a Veteran, service member, or qualified family member.  How do I prepare before starting my application? \nFind out if you re eligible for VA education benefits Gather the documents and information listed below that you ll need to apply for education benefits. See what benefits you ll get at the school you want to attend. Use the GI Bill Comparison Tool Note: To apply for Vocational Rehabilitation and Employment also called Chapter 31 or educational and career counseling also called Chapter 36 benefits and services , you ll need to use a different application. Find out how to apply for Vocational Rehab and Employment Learn more about Educational and Career Counseling  What documents and information do I need to apply? \nSocial Security number Bank account direct deposit information Education and military history you want to attend or are attending now Basic information about the school or training facility  You can also apply: \nBy mail \nCall 888-GI - BILL-1 888 - 442 - 4551 , Monday through Friday , 8:00 a.m. to 7:00 p.m. ET , to request that we send the application to you. Fill it out and mail it to the VA regional claims processing office that s in the same location as your school. See a list of regional claims processing offices  In person \nGo to a VA regional benefit office and have a VA employee help you. Find a VA regional benefit office near you Work with your school s certifying official. This person is usually in the Registrar or Financial Aid office at the school. ", "With the help of a trained professional \nYou can work with a trained professional called an accredited representative to get help applying for education benefits. Get help filing your claim  What happens after I apply? \nFind out what happens after you apply You can t make changes to your application , but if you have questions about VA education benefits, please call 888-GI - BILL-1 888 - 442 - 4551, Monday through Friday , 8:00 a.m. to 7:00 p.m. ET. If we ve asked you for documents , please upload them through the GI Bill website. Go to the GI Bill website  How long does it take VA to make a decision?", "Change your GI Bill school or program \nLearn about ways you can make GI Bill changes. Find out when and how to request changes to your GI Bill school, program, or other VA education benefits so you can keep getting funding to help pay for your education or training.  In what situations do I need to request changes to my GI Bill or other VA education benefits? \nYou ll need to request changes to your benefits if any of the descriptions below are true for you. Request changes to your benefit if you : Are transferring to a different school , or Are changing your educational, professional, or vocational goal , or Left your school or training program due to poor attendance, progress, or conduct , and you re now reentering the same program, or Were receiving VA education benefits as a Veteran , and now you want to receive benefits while on active duty  How do I request changes to my GI Bill or other VA education benefits? \nIf you re a Veteran or service member \nYou ll need to submit a Request for Change of Program or Place of Training VA Form 22 - 1995. You can complete this form online now. Complete VA Form 22 - 1995 online  If you re the dependent of a Veteran or service member \nYou ll need to submit a Dependent s Request for Change of Program or Place of Training VA Form 22 - 5495. You can complete this form online now. Complete VA Form 22 - 5495 online ", "What information do I need to complete my request? \nYou ll need your : Social Security number VA file number Bank account direct deposit information You ll also need basic information about your : Service history Education or training plans and goals Current or former school or training program and the new school or training program you plan to attend If you re the dependent of a Veteran or service member , you ll also need that person s : Social Security number or VA file number Basic service history information  Are there other ways to submit my request? \nYes. Follow the steps below to submit your request by mail, in person, or with the help of a trained professional.  By mail \nDownload the form you ll need : Download VA Form 22 - 1995 for Veterans and service members PDF Download VA Form 22 - 5495 for dependents PDF Fill out the form and mail it to the VA regional claims processing office that s in the same region as your school. See a list of regional claims processing offices  In person \nGo to a VA regional benefit office and ask a staff member to help you. Find a VA regional benefit office near you Or work with your school s certifying official. This person is usually in the Registrar or Financial Aid office at the school.  With the help of a trained professional \nYou can work with a trained professional called an accredited representative to get help requesting a change to your benefits. Get help submitting your request", "Substance use treatment for Veterans \nIf you re struggling with substance use problems , you re not alone. Many Veterans have problems with the use of alcohol, tobacco, street drugs, and prescription medicines. We re here to help. Find out how to get support for substance use problems through VA.  How do I talk to someone right now? \nIf you're a Veteran in crisis or concerned about one , 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. To connect with a Veterans Crisis Line responder anytime day or night : Call 800 - 273 - 8255 , then select 1. Start a confidential Veterans chat. Text 838255. If you have hearing loss , call TTY : 800 - 799 - 4889. You can also : Call 911. Go to the nearest emergency room. Go directly to your nearest VA medical center. It doesn't matter what your discharge status is or if you're enrolled in VA health care. Find your nearest VA medical center  What services does VA provide for Veterans with substance use problems? \nWe provide many options for Veterans seeking treatment for substance use problems ranging from unhealthy alcohol use to life - threatening addiction. The services we offer you depend on your specific needs.  We offer proven medication options, like: \nto stop substance use safely, and services to get stable Medically managed detoxification to reduce cravings like methadone and buprenorphine for opiate addiction Drug substitution therapies and newer medicines Nicotine replacement or other medicines for stopping tobacco use ", "We offer counseling and other therapy options, like: \nShort - term outpatient counseling Intensive outpatient treatment Marriage and family counseling Self - help groups Residential live - in care Continuing care and relapse prevention making sure you don t slip back into the same substance use problems Special programs for Veterans with specific concerns like women Veterans, returning combat Veterans, and homeless Veterans  We also offer treatment and support for health conditions that can be related to substance use problems, like: \nPosttraumatic stress disorder PTSD Depression Learn more about treatment programs for substance use problems  How do I access VA services for substance use problems? \nThe VA health care program covers services to treat substance use problems. To access these services , first apply for VA health care. Apply for VA health care Once you ve signed up : If you have a VA primary care provider , talk to them about your substance use. Your provider can help you get screened for substance use problems and related issues like PTSD or depression and can offer treatment and support as needed. If you don t have a VA primary care provider or have never been seen in a VA hospital or clinic : Find a Substance Use Disorder SUD program near you , or Call our general information hotline at 800 - 827 - 1000, or Contact your local VA medical center. Find a VA medical center near you If you served in Operation Enduring Freedom OEF , Operation Iraqi Freedom OIF , or Operation New Dawn OND , call your local VA medical center, and ask to speak to the OEF / OIF / OND coordinator. Find a VA medical center near you ", "What if I don t have VA health care benefits? \nYou may still be able to get care : If you ve served in a combat zone , get free private counseling, alcohol and drug assessment, and other support at one of our 300 community Vet Centers. Find a Vet Center near you If you re homeless or at risk of becoming homeless : Visit our website to learn about VA programs for Veterans who are homeless. Learn about our homelessness programs Contact the National Call Center for Homeless Veterans at 877 - 424 - 3838 for help 24 hours a day , 7 days a week. A trained VA counselor will offer information about VA homeless programs, health care, and other services in your area. The call is free and confidential private. Call or visit your local VA Community Resource and Referral Center. Even if you don t qualify for VA health care , our staff can help you find non - VA resources you may qualify for in your community. Find your local Community Resource and Referral Center  Where can I find more information and support? \nDownload our Guide to VA Mental Health Services PDF. Go to our Make the Connection website to hear stories from Veterans about their own experiences with overcoming drug and alcohol problems, and to get access to more resources and support. Visit Make the Connection Visit our self - help resources guide to get links to books, web resources, and mobile applications that have been reviewed and recommended by VA experts. Get self - help resources Visit the resources section of our VA website to find more trusted resources outside VA that can offer information and support. Find resources Download our Stay Quit Coach mobile app designed to help Veterans with PTSD quit smoking. We based this app on steps proven to work to help people quit smoking. It includes tools to control cravings and manage smoking triggers, messages to keep you going, medication reminders, and more. Get the Stay Quit Coach app", "Fully developed claim for a VA pension \nThe Fully Developed Claim FDC program is the fastest way to get your VA pension claim processed , and there s no risk to your taking part in it. Just send in all your evidence, or supporting documents, when you file your claim. Participation in the FDC program is optional and won t affect your benefits. If you file a claim in the FDC program and we decide that additional documents exist that we need to decide your claim , we ll remove your claim from the FDC program and process it as a standard claim.  Learn more about the FDC program \nFDC program \nWhen turning in your claim under the FDC program , please send us all the supporting documents you have and provide information about supporting documents that you don t have. Fill out an Application for Pension. Application for Pension VA Form 21P-527EZ When you file your claim , turn in : All necessary income and net - worth information , and All private medical records you have that are related to your claim , and Information about any health records that are available at a federal facility, like a VA medical center or clinic Go to any VA medical appointments required to decide your claim.  Standard claim process \nWith a standard claim , you ll give us permission to gather evidence or records for you. You ll need to give us enough information about the evidence so we can request it from the right person or agency. If a person or agency refuses to turn over the evidence, asks for money for the evidence, or can t get the evidence , we ll ask you to try to get the evidence or records. It s your responsibility to make sure we receive all requested records that aren t at a federal agency or office. ", "If you re claiming non-service-connected pension benefits \nThe evidence must show that you meet the requirements listed below. This must be true : Your net worth and income are within certain limits. And at least one of these must be true about your service. You: Served on active duty for any length of time during a period of war and were discharged due to a service - connected disability , or Started on active duty before September 8 , 1980 , and you served at least 90 days either all at one time or combined over time on active duty with at least 1 day being during wartime, or Started on active duty after September 7 , 1980 , and you served at least 2 years or the full period for which you were called or ordered to active duty, with at least 1 day being during wartime. Some exceptions may apply to this longer minimum service requirement. And at least one of these must also be true about your current situation. You: Are at least 65 years old , or Are a patient in a nursing home for long - term care , or Receive Social Security disability benefits , or Are unemployable because of a disability that doesn t go away , or Have a disability that doesn t go away and that makes it impossible for you to work , or Have a disease or disorder that we determine causes permanent and total disability ", "If you re claiming non-service-connected pension benefits with Aid and Attendance or Housebound benefits \nThe evidence must show that you meet at least one of the requirements listed below. At least one of these must be true. You: Have corrected vision of 5/200 or less in both eyes , or Have contraction of the concentric visual field to 5 degrees or less , or Are a patient in a nursing home due to the loss of mental or physical abilities , or Need another person to help you with daily activities like bathing, eating, dressing, adjusting prosthetic devices, or protecting you from the hazards of your environment, or Are bedridden and have to spend most of the day in bed because of your disability  If you re claiming increased disability pension benefits based on being housebound \nThe evidence must show that you meet at least one of the requirements listed below. At least one of these must be true. You have a : Single permanent disability that s 100% disabling , and you re confined to your home, or Disability rated 60% or higher in addition to the disability that qualifies you for a pension  If you re claiming benefits for a disabled child \nThe evidence must show that the child, before turning 18 years old, became unable to support themselves due to a mental or physical disability.  FDC program \nUnder the FDC program , we ll handle the evidence - gathering steps listed below. We ll: that you identify and authorize us to get from a federal facility, like a VA medical center Request relevant records Schedule a health exam or get a medical opinion for you , if we decide we need it for your claim ", "Standard claim process \nWith the standard claim process , we ll handle the evidence - gathering steps listed below. We ll: that you identify and authorize us to get from a federal facility, like a VA medical center Request relevant records Schedule a health exam or get a medical opinion for you , if we decide we need it for your claim Make every reasonable effort to request relevant records that you authorize us to get that aren t at a federal facility. These may include records from state or local governments, documents from a private doctor, hospital records, or records from current or former employers.  FDC program \nYou ll need to turn in the information and evidence at the same time as you file your claim. Note: If you turn in additional information or evidence after you send in your fully developed claim , we ll remove your claim from the FDC program and process it as a standard claim. If we decide your claim before 1 year from the date we receive the claim , you ll have the rest of that 1-year period to turn in additional information or evidence to support your claim.  Standard claim process \nYou ll need to turn in the information and evidence as soon as you can. Note: You have up to 1 year from the date we receive your claim to turn in any information and evidence. If we decide your claim before 1 year from the date we receive the claim , you ll have the rest of the 1-year period to turn in additional information or evidence to support your claim. Fill out an Application for Pension VA Form 21P-527EZ When you file your claim , you ll be able to upload all supporting documents and evidence, like your income information and any medical records related to your claim. ", "Special situations \nIf any of the below situations apply to you , you ll need to turn in the additional forms at the same time as you file your pension claim. If you re : Claiming non - service - connected pension with Housebound or Aid and Attendance benefits , you and your doctor will need to fill out a form called an Examination for Housebound Status or Permanent Need for Regular Aid and Attendance VA Form 21 - 2680. Download VA Form 21 - 2680 Note: If you re in a care facility, please also fill out a Request for Nursing Home Information in Connection with Claim for Aid and Attendance VA Form 21 - 0779. Download VA Form 21 - 0779 Claiming a child in school between the ages of 18 and 23 , fill out a Request for Approval of School Attendance VA Form 21 - 674. Download VA Form 21 - 674 Claiming benefits for a seriously disabled child , turn in all private medical records for the child s disabilities.", "Check your VA claim or appeal status \nFind out how to check the status of a VA claim or appeal online.  What types of claims and appeals can I track with this tool? \nYou can use this tool to check the status of a VA claim or appeal for compensation. Track your : Disability compensation including claims based on special needs like an automobile or clothing allowance Veterans or Survivors Pension benefits Special monthly compensation such as Aid and Attendance Dependency and Indemnity Compensation DIC to help pay for a Veteran s burial and funeral expenses Burial allowance You can also use this tool to check the status of a claim or appeal for other benefits like these : VA health care GI Bill or other education benefits Vocational rehabilitation and employment A home loan Certificate of Eligibility COE A Specially Adapted Housing SAH or Special Housing Adaptation SHA grant Life insurance A pre - need determination of eligibility to be buried in a VA national cemetery  Can I use this tool? \nTo use this tool , you ll need to have one of these free accounts : A Premium My HealtheVet account , or A Premium DS Logon account used for eBenefits and milConnect , or that you can create here on VA.gov A verified ID.me account  Once I m signed in, how do I check my VA claim or appeal status? \nGo to your \" My VA \" dashboard. You'll find the link for this dashboard in the top right corner of the page once you're signed in. Scroll down to the \" Track Claims \" section. There , you'll see a summary of the latest status information for any open claims or appeals you may have. Click on the \" View Status \" button for a specific claim. You'll go to a page with more details about that claim's status and supporting evidence. Evidence may include documents like a doctor's report or medical test results. ", "What kind of information will I learn about my VA claim or appeal? \nYou ll see where your claim or appeal is in our review process, and when we think we ll complete our review. You can also view these details : you ve filed online Any evidence to support your initial claim we ve requested from you Any additional evidence Your claim type What you ve claimed Your representative for VA claims Note: You can only upload documents online to support your initial claim. You can t upload documents online to support an appeal.  What if I don t see a document I sent to VA as evidence? \nThis may be because certain documents won t appear online. You won t see documents that : You sent to us by mail or fax , or You brought to us in person , or We ve restricted to protect your or someone else s confidentiality privacy  Will my personal information be protected if I use this tool? \nYes. This is a secure website. We follow strict security policies and practices to protect your personal health information. If you print or download anything from the website , you ll need to take responsibility for protecting that information.  What if I have more questions? \nYou can call us at 800 - 827 - 1000. We re here Monday through Friday , 8:00 a.m. to 9:00 p.m. ET.", "Totally disabled or terminally ill policyholders \nIf you have VA life insurance coverage and you become totally disabled or terminally ill , you may be eligible for certain benefit options. Your spouse may also be eligible for certain options if diagnosed with a terminal illness. Learn more about these options and how to apply.  On this page \nSGLI extension for policyholders who become disabled Waiver of premiums for policyholders who become totally disabled Accelerated benefits for terminally ill policyholders  SGLI extension for policyholders who become disabled \nCan I get a free extension of my SGLI coverage if I m disabled when I leave the military? \nYou may be able to keep your coverage for up to 2 years after the date you left the military if you meet both of the requirements listed below. Both of these must be true. You re: Within 2 years of your separation date , and Totally disabled or have certain conditions Find out if you qualify for the SGLI Disability Extension and how to apply  Waiver of premiums for policyholders who become totally disabled \nA waiver of premiums means you won t have to pay your life insurance premiums the monthly payments you make to hold your policy. In most cases , premiums can only be waived up to one year prior to receipt of a claim. You may be able to get a waiver of your life insurance premiums if you meet all of the requirements listed below. All of these must be true : You have a mental or physical disability that prevents you from being able to hold a job , and You re covered under Service - Disabled Veterans Life Insurance S - DVI , and Your total disability happens before you re 65 years old but after the effective date of your life insurance policy , and Your total disability continues for at least 6 months in a row There are certain exceptions to the above conditions. But if you think you re entitled to a waiver of premiums , you should apply as soon as possible and we ll let you know if you qualify. You ll need to apply for these benefits as soon as possible after becoming totally disabled. We ll decide if you qualify , and we ll notify you of the decision. To apply , fill out and sign a Claim for Disability Insurance VA Form 29 - 357. Mail it to the address listed on the form. Download VA Form 29 - 357 PDF ", "Accelerated benefits for terminally ill policyholders \nEligible Veterans, service members, and covered spouses of service members can get accelerated benefits. With accelerated benefits , you can get up to 50% of the face value of your coverage in increments of $5,000 paid to you before death. You or your spouse may be able to get benefits early if you meet both of the requirements listed below. Both of these must be true : You have SGLI, Family SGLI, or VGLI life insurance, and You or your covered spouse has a written statement from a doctor saying you have or your spouse has 9 months or less to live Note : Only the insured service member or Veteran may apply for accelerated benefits. No one may apply on their behalf. In the case of a terminally ill spouse , only the insured may apply. Only the insured service member or Veteran may apply for accelerated benefits. No one may apply on their behalf. In the case of a terminally ill spouse , only the insured may apply. Use the application form for the type of coverage you have : If you re an SGLI or VGLI policyholder , fill out a Claim for Accelerated Benefits SGLV 8284. Download the Claim for Accelerated Benefits form If you re still on active duty or you re a Reservist , turn in the form to your service branch. They will need to fill out part of the form. If you re a Veteran , have your doctor fill out their part of the form, then send the completed form to : The Prudential Insurance Company of America PO Box 70173 Philadelphia , PA 19176 - 0173 Or , fax the form to 877 - 832 - 4943. If you re covered under Family SGLI , fill out a Claim for Accelerated Benefits SGLV 8284A. Download the Claim for Accelerated Benefits form You ll need to fill out one part of the application , and your doctor will need to fill out another part of it. We pay the remaining amount of the face value of the insurance policy to your designated beneficiary or beneficiaries the people you ve picked to get the money from your policy upon your death. In the case of a terminally ill spouse , we pay the rest of the insurance policy to you upon your spouse s death. ", "Learn more about VA life insurance \nRead chapter 5 of the Servicemembers and Veterans Group Life Insurance HandbookContact the Office of Servicemembers Group Life Insurance OSGLI", "The Affordable Care Act (ACA) and your VA health care coverage \nThe Affordable Care Act ACA also known as the health care law was created to expand access to coverage, control health care costs, and improve health care quality and care coordination. Find out what you need to know about the ACA and your health coverage.  Do I still have to pay a penalty if I don t have health insurance? \nYou don t have to pay a penalty if you don t have health insurance in 2019 or any year after that. Through the end of 2018 , the ACA required all U.S. taxpayers to have health coverage that met a minimum standard called the minimum essential coverage requirement unless they qualified for an exemption due to certain life events, financial status, or other factors. This meant that if you had affordable health coverage options, but chose not to buy health insurance, you would have to pay a fee when filing your taxes. This fee was known as an individual shared responsibility payment. It was also sometimes called the penalty, fine, or individual mandate. Congress changed this part of the law for plans starting in 2019 and after. The individual shared responsibility payment no longer applies starting in plan year 2019 for which you ll file taxes in April 2020. Note: If you didn t have coverage or an exemption in 2018 , you may still have to pay a fee when you file your 2018 taxes in April 2019. Go to HealthCare.gov to learn more about exemptions ", "Does my health coverage through VA meet the ACA s minimum essential coverage requirement for 2018? \nYour health coverage meets the minimum essential coverage requirement for 2018 if you were signed up for one of the programs listed below. If you were covered under one of these programs in 2018 , you won t have to pay the fee when you file your 2018 taxes. To qualify , you must have been enrolled in one of these programs : The VA health care program , or The Civilian Health and Medical Program of the Department of Veterans Affairs CHAMPVA , or CHAMPVA through the Program of Comprehensive Assistance to Family Caregivers , or The Spina Bifida Health Care Benefits Program , or that provides minimum essential coverage A Department of Defense TRICARE plan  Does the ACA change my VA health benefits? \nNo. The health care law doesn t change your VA health benefits or your out - of - pocket costs.  If I m not signed up for a VA or Department of Defense health care program, how do I get health coverage for 2019? \nYou may be able to get coverage through the Health Insurance Marketplace. Open enrollment for 2019 is over. But you can still enroll or change plans if you have certain life changes or qualify for free or low - cost coverage through Medicaid or the Children s Health Insurance Program CHIP. Go to HealthCare.gov to find out if you can enroll or change your plan", "VA mental health services \nFind out how to access VA mental health services for posttraumatic stress disorder PTSD, psychological effects of military sexual trauma MST, depression, grief, anxiety, and other needs. You can use some services even if you re not enrolled in VA health care.  How do I talk to someone right now? \nIf you're a Veteran in crisis or concerned about one , 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. To connect with a Veterans Crisis Line responder anytime day or night : Call 800 - 273 - 8255 , then select 1. Start a confidential Veterans chat. Text 838255. If you have hearing loss , call TTY : 800 - 799 - 4889. You can also : Call 911. Go to the nearest emergency room. Go directly to your nearest VA medical center. It doesn't matter what your discharge status is or if you're enrolled in VA health care. Find your nearest VA medical center  Get free mental health care for a year after separation no matter your discharge status, service history, or eligibility for VA health care. \nIf you need support for a specific mental health problem or if you re having problems sleeping , controlling your anger , or readjusting to civilian life you are not alone. And we can help. To access free VA mental health services right away : Call or walk in to any VA medical center anytime, day or night. Find your nearest VA health facility Call or walk in to any Vet Center during clinic hours. Find your nearest Vet Center Call us at 1 - 877 - 222-VETS 1 - 877 - 222 - 8387. We re here Monday through Friday , 8:00 a.m. to 8:00 p.m. ET. If you have hearing loss , call TTY : 1 - 800 - 877 - 8339. You don t need to be enrolled in VA health care to get care. Learn more about accessing VA mental health services To connect with other resources for Veterans and transitioning service members : Visit the Department of Defense DoD Military OneSource website Visit our mental health site for transitioning service members Read about our commitment to supporting transitioning Veterans ", "Getting started \nIf you need support for a specific mental health problem or if you re having problems sleeping , controlling your anger , or readjusting to civilian life you are not alone. And we can help. Over 1.7 million Veterans received mental health services at VA last year. Our services range from peer support with other Veterans to counseling, therapy, medication, or a combination of these options. Our goal is to help you take charge of your treatment and live a full and meaningful life.  How do I schedule my first appointment? \nIf you re already using VA medical services , ask your primary care provider to help you make an appointment with a VA mental health provider. If you re not already using VA medical services , contact your nearest VA medical center or Vet Center to talk about your needs. Find your nearest VA medical center or Vet Center  What if I m not sure what kind of help I need? \nYou can call 877 - 222 - 8387 to find the right resources for your needs. If you have hearing loss , call TTY : 800 - 877 - 8339. We re here Monday through Friday , 8:00 a.m. to 8:00 p.m. ET.  It s hard for me to get to a VA facility in person. Can I get mental health services online? \nYes. You may be able to use one or more of the care options listed below. The Veteran Training online self - help portal for overcoming everyday challenges : You can use this portal s tools to help manage your anger, develop parenting and problem - solving skills, and more. The tools are based on proven mental health practices that have successfully helped other Veterans and families. The portal is free , and you don t have to sign in or provide any personal information to use the tools. Visit the Veteran Training portal Smartphone apps for Veterans : We ve partnered with the Department of Defense DoD to create free smartphone applications you can use to help manage your physical and mental health. These include apps to help you deal with stress, quit smoking, and more. Learn more about apps for Veterans PDF The VA telemental health program : You can connect with a VA mental health provider through a computer or mobile device in your home or at your nearest VA health facility. If you re enrolled in VA health care , ask any of your providers to help connect you with our telemental health program. ", "Can I speak to a fellow Veteran who s been through this before? \nYes. The BeThere peer assistance program , in partnership with Military OneSource , offers support to service members including National Guard soldiers and Reservists, their families, and transitioning Veterans up to 365 days after separation or retirement. Through this program , you can talk privately with peer coaches who are Veterans, service members, or military spouses. To talk with a peer coach , call Military OneSource s free, confidential peer support services at 800 - 342 - 9647. This service is available 24 hours a day , 365 days a year.  What other options do I have? \nIf you re a combat Veteran , you can visit one of our Vet Centers to get free individual and group counseling for you and your family. You can access these services even if you re not enrolled in VA health care and aren t receiving disability compensation. Vet Centers offer services such as : Military sexual trauma MST counseling Readjustment counseling Bereavement grief counseling Employment counseling Substance abuse assessment and referral Find a Vet Center near you You can also call 877 - 927 - 8387 to talk with a fellow combat Veteran about your experiences , 24 hours a day , 7 days a week , 365 days a year. If you d like to connect with other Veterans, families, and local services , you can visit our Make the Connection website. This site connects millions of Veterans, and their family members and friends, to local VA and community mental health resources. Visit the site to access these referral resources and hear Veteran testimonials of strength and recovery. Go to Make the Connection ", "More information about VA mental health services \nGet answers to other questions you may have about our services. Being diagnosed with a mental health condition or seeking mental health care doesn t automatically put work - related credentials, such as security clearances, at risk. Most employers recognize that healthy employees who get help when they need it are more productive and effective in their jobs than those who aren t performing at their best because they re not feeling well. No. If you don t qualify for VA health care , you may still be able to get certain health care services, like care for needs linked to military sexual trauma. Call our general VA hotline at 800 - 827 - 1000 to find out what your care options may be. We re here Monday through Friday , 8:00 a.m. to 9:00 p.m. ET. Depending on your needs and situation , you can also : Get free private counseling, alcohol and drug assessment, and other support for combat Veterans and families at one of our 300 community Vet Centers. Find a Vet Center near you Contact the National Call Center for Homeless Veterans at 877 - 424 - 3838 for help 24 hours a day , 7 days a week. A trained VA counselor will offer information about VA homelessness programs, health care, and other services in your area. The call is free and confidential. Call or visit your local VA Community Resource and Referral Center. Even if you don t qualify for VA health care , our staff can help you find non - VA resources you may qualify for in your community. Find your local Community Resource and Referral Center Or you can apply for VA health care to access more services : Find out if you re eligible for VA health careLearn how to apply for health care benefits To learn more about whether you re eligible for services , call your nearest VA medical center. Find your nearest VA medical center Or call 877 - 222 - 8387 to find the right resource for your needs. If you have hearing loss , call TTY : 800 - 877 - 8339. We re here Monday through Friday , 8:00 a.m. to 8:00 p.m. ET. You ll start receiving help the day you reach out to us. We offer same - day services to make sure we can either address your mental health needs or schedule the right follow - up care right away. The specific care you receive will depend on how urgent your needs are and the level of treatment you re looking for. Same - day services may include care such as : Meeting face - to - face with a VA health care provider including walk - in appointments at a clinic or urgent care center Having a telehealth or video care appointment with a VA provider Talking by phone with a VA nurse who can offer medical advice called nurse triage Communicating with a VA provider through Secure Messaging Scheduling a future appointment Getting a prescription filled We offer treatment and support for a range of mental health problems, including : Posttraumatic stress disorder PTSD Depression Thoughts of suicide Issues related to military sexual trauma MST Substance use problems Bipolar disorder Schizophrenia We also treat anxiety - related conditions, like : Generalized anxiety disorder Panic disorder Social anxiety Specific phobias We provide a range of mental health services such as : Short - term , inpatient care for Veterans with severe or life - threatening mental illness Outpatient care for Veterans with serious mental illness who have a lot of trouble functioning in daily life Regular outpatient care , which may include care provided over the phone, for Veterans facing a difficult time in their lives who would be best helped by getting treatment or living in a structured setting for a period of time Rehabilitation treatment and residential live - in programs for Veterans with mental health problems and other needs like those related to homelessness, job training, and education Primary care for many common mental and behavioral problems to help Veterans join the work force and live well in the community Supported work settings We also provide care to Veterans in crisis. This includes : Emergency mental health care 24 hours a day , 7 days a week, through VA medical centers and some local, non - VA hospitals The Veterans Crisis Line , which offers support 24 hours a day , 7 days a week, for Veterans in crisis and their families and friends Learn more about VA mental health services Yes. In addition to online resources , caregiver support coordinators at your nearest VA medical center and a caregiver peer support mentoring program can help connect caregivers to one another for support and learning. To get support as a caregiver : Find a local caregiver support coordinator Or call the Caregiver Support Line 855 - 260 - 3274, Monday through Friday , 8:00 a.m. to 8:00 p.m. You can also contact our Coaching into Care program to speak directly with a licensed psychologist or social worker, free of charge. They can provide information about mental health and VA services, as well as tips for how to begin the conversation about treatment with a loved one. To reach a licensed psychologist or social worker : Contact Coaching into Care online Or call 888 - 823 - 7458, Monday through Friday , 8:00 a.m. to 8:00 p.m. You can use our facility locator to search for VA health facilities near you. Find your nearest VA health facility ", "Resources and support outside VA \nYou can also get support from resources offered by other government departments and community organizations outside of VA. Military OneSourceThis free service provides expert support to connect military personnel and their families with the best available resources to fit their needs. For support , visit the Military OneSource website or call 800 - 342 - 9647 anytime, day or night. The Psychological Health Resource CenterThe center works to improve the lives of Veterans, service members, and their families by advancing excellence in psychological health care, readiness, and prevention. The National Suicide Prevention LifelineThis 24/7 , 365-day - a - year emergency mental health hotline offers support for people experiencing a mental health crisis. To reach the hotline : Start an online chat Or call 800 - 273 - 8255 The American Foundation for Suicide PreventionThe foundation provides mental health resources for people struggling with thoughts of suicide. They also offer supportive educational tools for concerned family, friends and peers. The Substance Abuse and Mental Health Services Administration SAMHSA SAMHSA offers free, confidential help with treatment referral and information services for individuals and families facing mental health and/or substance use disorders. Support is available 24/7 , 365-days - a - year, in both English and Spanish. To reach SAMHSA s National Helpline : Call 1800 - 662-HELP 800 - 662 - 4357 Learn more about the helpline The National Alliance on Mental Illness NAMI NAMI builds better lives for millions of Americans affected by mental illness by providing education programs for families and individuals living with mental health problems. The Jed FoundationThe foundation works closely with teenagers and young adults who may be experiencing mental stress or may be at risk for suicide during times of change. Mental Health AmericaThis organization advocates for policies that promote mental health and the rights of people living with mental health problems. They also provide education and connections to mental health resources.", "Careers and employment \nWe offer the help you need to build your career and find the opportunities that are right for you.  On this page \nGet career and employment assistance Manage your career More information and resources  How do I get help if I'm homeless or at risk of becoming homeless? \nWe offer many programs and services that may help including free health care and, in some cases, free limited dental care. We can also help you connect with resources in your community, like homeless shelters or faith - based organizations. Find the support you need : Call the National Call Center for Homeless Veterans at 877 - 424 - 3838 for help 24 hours a day , 7 days a week. You ll talk privately with a trained VA counselor for free. Contact your nearest VA medical center and ask to talk with the VA social worker. If you're a female Veteran , ask for the Women Veterans Program Manager. Find the nearest VA medical center Talk with someone right now : If you're a Veteran in crisis or concerned about one , 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. Chat online with a trained VA staff member  Get career and employment assistance \nAbout Vocational Rehabilitation and Employment Chapter 31 programsExplore support - and - services program tracks for Veterans and service members with service - connected disabilities. Our programs can help you learn new skills, find a new job, start a new business, get educational counseling, or return to your former job. EligibilityIf you have a service - connected disability that limits your ability to work or prevents you from working, find out if you're eligible for vocational rehab. How to applyGet step - by - step instructions on how to apply for vocational rehab benefits. Educational and Career Counseling Chapter 36 Find out how to get free educational and career counseling as a recently discharged Veteran or a dependent family member. to do business with VA Support for your Veteran - Owned Small BusinessRegister and get support for your Veteran - Owned Small Business. Support for dependent family membersSee if you're eligible for educational and vocational counseling as the dependent spouse or child of a Veteran or service member. ", "Manage your career \nVA transition assistanceAs you separate from the military, explore your career options by attending a Transition Assistance Program TAP briefing. Match your interests and skills to a career with a CareerScope assessmentUse this online tool to get recommendations for careers you may enjoy and succeed in, and training programs to help you get started. Find a job Department of Labor Search for jobs, get help translating your military skills and experience to civilian jobs, and access other career resources. Find VA careers and supportGet support for starting or advancing your career at VA or other federal government departments. Print your Civil Service Preference LetterPrint your Civil Service Preference Letter to verify your hiring preference for federal jobs. Get free classes for a year LinkedIn Get one year of free access to LinkedIn Premium and LinkedIn Learning.  More information and resources \nSubsistence allowance ratesView 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. VetSuccess on CampusFind out if our counselors can help you transition from military to college life. Voc Rehab and Employment glossarySee the definitions of our programs and other common terms you may read when learning about Vocational Rehabilitation and Employment benefits. Voc Rehab success storiesRead Veterans' stories of how Voc Rehab counselors and services helped them overcome challenges, find new opportunities, and achieve greater goals. Resources for VeteransGet links to more resources outside of VA that can help you in your job search. Resources for family membersAccess valuable career resources for spouses and other family members of Veterans and service members. ", "Other VA benefits and services \nGI Bill benefitsExplore options for using GI Bill benefits to help pay for school or training, and find out what benefits you can get. Other educational assistance programsIf you re a Veteran, Reservist, or National Guard Soldier who doesn t qualify for the Post-9/11 GI Bill , see if you can get education benefits through other VA programs. Home loansApply for a Certificate of Eligibility for a VA direct or VA - backed home loan to build, buy, improve, or refinance a home. Life insuranceExplore your life insurance options and find out how to apply as a service member, Veteran, or family member.  VA for Vets \nGet help transitioning to a civilian career and matching your skills and experiences to VA job opportunities.  Message us \nAsk a question online  Call us \nVA benefits hotline:800 - 827 - 1000 eBenefits technical support:800 - 983 - 0937 Call MyVA311 for help:844 - 698 - 2311 If you have hearing loss , call TTY : 711.  Veterans Benefits Administration \nGet updates \nVeterans benefits email updates  Follow us \nVeterans Benefits Administration Facebook Veterans Benefits Administration Instagram Veterans Benefits Administration Linkedin Veterans Benefits Administration Twitter Veterans Benefits Administration YouTube", "Other VA benefits and services \nGI Bill benefitsExplore options for using GI Bill benefits to help pay for school or training, and find out what benefits you can get. Other educational assistance programsIf you re a Veteran, Reservist, or National Guard Soldier who doesn t qualify for the Post-9/11 GI Bill , see if you can get education benefits through other VA programs. Home loansApply for a Certificate of Eligibility for a VA direct or VA - backed home loan to build, buy, improve, or refinance a home. Life insuranceExplore your life insurance options and find out how to apply as a service member, Veteran, or family member.", "Reconstruct military records destroyed in NPRC fire \nIn 1973 , a fire at the National Personnel Records Center NPRC in St. Louis, Missouri, destroyed the records held for Veterans who were discharged from the Army and Air Force during certain periods of time. Find out if your records may have been destroyed in this fire, and how to reconstruct your records to support a VA disability compensation claim.  Were my records destroyed in the 1973 NPRC fire in St. Louis? \nYour records may have been destroyed in the fire if you were discharged from either : The Army between November 1 , 1912, and January 1 , 1960. The fire destroyed 80% of the records held for Veterans discharged from the Army during this time period. The fire didn't involve records for retirees and Reservists who were alive on July 12 , 1973. Or the Air Force between September 25 , 1947, and January 1 , 1964. The fire destroyed 75% of the records held for Veterans discharged from the Air Force during this time period with surnames beginning with Hubbard and running through the end of the alphabet. Learn more about the 1973 NPRC fire  Reconstructing your records \nHow does VA reconstruct my records? \nWe submit a specific request to the NPRC for any additional service records they may have or can find for you. With the information we provide , the NPRC searches for documents that may help to reconstruct your records. They may also reach out to other government agencies. For example , they may try to reconstruct portions of your service treatment records by reviewing unit records, morning reports, and hospital admission records from the surgeon general's office. ", "How can I get the records I need to support my VA disability compensation claim? \nIf you're filing a VA disability compensation claim , follow the steps below to get the records you need.  Fill out the National Archives request for information form \nYou'll need to fill out a Request for Information Needed to Reconstruct Medical Data NA Form 13055. We'll use this form as our request to the NPRC to reconstruct your records. Please give us as much information as you can about your assignments during service, including any of the below that apply to you : Unit Company Battalion Regiment Squadron Group Wing Download NA Form 13055 PDF  Gather or request other records or documents \nWe'll also look at other records or documents called supplemental records to help decide your claim. You can provide these records or ask us to help you find them. Please send us any of these documents you may have : Statements from service medical personnel Certified buddy statements or affidavits from fellow service members who witnessed your injury or illness Military accident and police reports Examination reports related to employment or insurance Letters or photographs from your time in the service Prescription records Photocopies of any service treatment records or medical reports from any private hospitals, clinics, or doctors who treated you during service or shortly after separation  Submit your disability compensation claim, NA Form 13055, and any supporting documents \nYou can file your claim online, by mail, in person, or with the help of a trained professional. For claims involving the reconstruction of records , we encourage you to work with a professional, such as an accredited attorney, claims agent, or Veterans Service Officer VSO. Make sure to include your NA Form 13055 PDF and any supplemental records or other documents you may have with your claim. Get instructions for filing a disability claimGet help from a trained professional", "VA help to avoid mortgage foreclosure \nIf you fall far behind on your mortgage payments , your mortgage servicer the company that handles collecting the money for your lender can take your house to cover the money owed. This process is called foreclosure. Find out how our VA loan technicians can help you avoid foreclosure and keep your house.  Can I get VA financial counseling to help avoid foreclosure? \nIf you re a Veteran or the surviving spouse of a Veteran , we ll provide financial counseling even if your loan isn t a VA direct or VA - backed loan. If you have a VA direct or VA - backed loan , you can contact us anytime to request that we assign a VA Loan Technician to your loan. Our technicians can offer you financial counseling and help you deal with your servicer or work with you directly in the case of a VA direct loan. If you have a VA direct or VA - backed loan and it s 61 days past due , we ll automatically assign a VA Loan Technician to your loan.  What should I do if I m having trouble paying my mortgage? \nIf you re late with a mortgage payment, or think you might be late with your next payment , contact your loan servicer right away. The sooner you contact them , the sooner they can help you find a solution. If you re nervous about contacting your servicer, or if you d like our help and advice , please contact a VA Loan Technician at 1 - 877 - 827 - 3702. ", "How can I avoid foreclosure? \nThere are 6 general ways you can try to avoid a foreclosure : Repayment plan : If you ve missed a few mortgage payments , this plan lets you go back to making your regular payments, with an added amount each month to cover the ones you ve missed. Special forbearance : This plan gives you some extra time to repay the missed mortgage payments. Loan modification : Sometimes you need a fresh start. This plan lets you add the missed mortgage payments and any related legal costs to your total loan balance. You and your servicer then come up with a new mortgage payment schedule. Extra time to arrange a private sale : If you need to sell your home, this plan lets you delay a foreclosure so you have time to sell. Short sale : If you owe more money than your house is worth , your servicer might agree to a short sale. This means the servicer will accept the total proceeds from the home sale even if it s less than the full amount you owe on the mortgage as full payment of the debt you owe. Deed in lieu of foreclosure : This plan lets you avoid the foreclosure process by signing over the deed to the home to your servicer. The home will then belong to the servicer. Our VA Loan Technicians can help you figure out which option is best for you. Contact a VA Loan Technician at 1 - 877 - 827 - 3702.", "VA disability compensation \nVA 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. You may qualify for VA disability benefits for physical conditions like a chronic illness or injury and mental health conditions like PTSD that developed before, during, or after service. Find out how to apply for and manage the Veterans disability benefits you've earned.  On this page \nGet VA disability compensation pay Manage your Veterans disability benefits More information and resources  Get VA disability compensation (pay) \nEligibilityFind out if you re eligible for VA disability benefits for a presumptive disability or other service - connected condition. How to file a claimFind out how to prepare and file a claim for disability compensation online or by phone or mail. 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. Compensation benefits for a surviving spouse and dependents VA DIC Learn about getting VA disability benefits as a surviving spouse, dependent child, or parent.  Manage your Veterans disability benefits \nCheck your VA claim or appeal statusTrack the status of your disability claim or appeal. File for a VA disability increaseIf your service - connected disability has gotten worse , find out how to file a claim to increase your disability rating. File an appealIf you disagree with our decision on your claim, learn how to file an appeal and what to expect from the VA appeal process. Add or remove a dependentFind out how and when to add a dependent spouse, child, or parent to your VA disability benefits. Also learn how to remove a dependent from your benefits. Upload evidence to support your disability claimSend us evidence like doctor's reports, medical test results, or service records to help support your open disability claim. File additional forms for your disability claimFind out if you'll need to turn in any additional forms to support your disability claim. Change Your VA direct deposit informationFind out how to change your direct deposit information online. Share your VA medical recordsSet up your personal health record and download reports to share with your VA and non - VA doctors. Download your VA benefit lettersDownload a copy of letters like your eligibility or award letter for certain benefits. View your VA disability payments historyCheck the status of your VA disability and pension payments. You can also see certain survivor benefits. ", "More information and resources \nAbout VA disability ratingsLearn how we assign disability ratings and effective dates, and what to do after you get your rating. View VA disability compensation ratesSee the Veterans compensation benefits rates tables to find your rate based on your disability rating and dependents. VA claim exam C&P exam Find out why you might need a claim exam , how to schedule and prepare for your appointment , and what to expect during and after the exam. Get help filing a claimConnect with a Veterans Service Organization VSO or accredited Veterans representative for help applying for benefits.  Other VA benefits and services \nDisability housing grants for VeteransFind out how to apply for a housing grant as a Veteran or service member with a service - connected disability. Fiduciary servicesLearn how to become a VA fiduciary to handle the financial affairs of a Veteran in need. VA nursing homes , assisted living , and home health careExplore long - term care options for Veterans and their caregivers. Vocational Rehabilitation and EmploymentFind out if you qualify for help exploring employment options, any training you may need, and other voc rehab services. Aid and Attendance benefits and Housebound allowanceSee if you're eligible for extra monthly pension payments if you need more aid than you're currently receiving.  Fully Developed Claims program \nUse this program to get a faster decision by submitting evidence along with your claim.  Message us \nAsk a question online ", "Call us \nVA benefits hotline:800 - 827 - 1000 eBenefits technical support:800 - 983 - 0937 Call MyVA311 for help:844 - 698 - 2311 If you have hearing loss , call TTY : 711.  Veterans Benefits Administration \nGet updates \nVeterans benefits email updates  Follow us \nVeterans Benefits Administration Facebook Veterans Benefits Administration Instagram Veterans Benefits Administration Linkedin Veterans Benefits Administration Twitter Veterans Benefits Administration YouTube", "More information and resources \nAbout VA disability ratingsLearn how we assign disability ratings and effective dates, and what to do after you get your rating. View VA disability compensation ratesSee the Veterans compensation benefits rates tables to find your rate based on your disability rating and dependents. VA claim exam C&P exam Find out why you might need a claim exam , how to schedule and prepare for your appointment , and what to expect during and after the exam. Get help filing a claimConnect with a Veterans Service Organization VSO or accredited Veterans representative for help applying for benefits.  Other VA benefits and services \nDisability housing grants for VeteransFind out how to apply for a housing grant as a Veteran or service member with a service - connected disability. Fiduciary servicesLearn how to become a VA fiduciary to handle the financial affairs of a Veteran in need. VA nursing homes , assisted living , and home health careExplore long - term care options for Veterans and their caregivers. Vocational Rehabilitation and EmploymentFind out if you qualify for help exploring employment options, any training you may need, and other voc rehab services. Aid and Attendance benefits and Housebound allowanceSee if you're eligible for extra monthly pension payments if you need more aid than you're currently receiving.", "Insurance claims \nMark your calendar \nYou have 1 year from the date on your decision to request a decision review.  Decision review options \nAdd new and relevant evidence \nDownload VA Form 20 - 0995: Supplemental Claim PDF When you choose to file a Supplemental Claim , you re adding new evidence that supportsyour case or identifying evidence for review. A reviewer will determine whether the new evidence changes the decision. Learn how to file a Supplemental Claim  Ask for a new look from a senior reviewer \nDownload VA Form 20 - 0996: Higher - Level Review PDF When you choose to request a Higher - Level Review , you re asking for another review of the same evidence. A senior reviewer will take another look at your case and determine whether the decision can be changed based on a difference of opinion or an error. Learn how to request a Higher - Level Review  Can I request a Higher-Level Review? \nYou can request a Higher - Level Review of an initial claim or Supplemental Claimdecision. This option isn t available after a Higher - Level Review or Board decision.  Appeal to a Veterans Law Judge \nDownload VA Form 10182: Board Appeal PDF A judge at the Board of Veterans Appeals in Washington, D.C., will review your case. Learn more about how to request a Board Appeal  Can I request a Board Appeal? \nYou can request a Board Appeal after an initial claim, Supplemental Claim, or Higher - Level Review decision. You can t request two Board Appeals in a row. ", "Bring an action in district court \nYou also have the option to bring an action in a United States district court. You have 6 years to bring such an action after accrual of the right for which the claim is made. You may want to speak with an attorney about this option.  After a Board decision \nIf you disagree with the Board s decision and have new and relevant evidence that supports your case , you can file a Supplemental Claim. You can also appeal to the U.S. Court of Appeals for Veterans Claims. Learn more about your options after a Board decision  What happens next? \nFind out what happens after you request a decision review You don t need to do anything while you wait unless VA sends you a letter asking for more information. If VA schedules exams for you , be sure not to miss them. Track the status of your appeal  What if I need help? \nA Veterans Service Organization or VA - accredited attorney or agent can help you request a decision review. Get help requesting a decision review  What if I have more questions? \nGet answers to frequently asked questions about decision reviews. Go to FAQs", "Tutorial assistance \nIf you re using VA educational assistance, and you re struggling with the coursework , we may help you pay for a tutor. Find out how it works.  Am I eligible for this benefit? \nYou can get this benefit if you re using VA educational assistance and you meet all of the requirements listed below. All of these must be true : You re enrolled in an educational program for half - time or more , and You re taking a course that s difficult , and You have to take the course as part of your educational program  Who s covered? \nVeterans  What benefits can I get? \nMoney to pay for a tutor Note: We won t pay more than $100 per month for tutoring , and we won t pay more than $1,200 total.  How do I get this benefit? \nYour course instructor or teacher at your school must agree that you need a tutor and write a letter on your behalf. The instructor should send the letter to your school s certifying official and add a copy to your VA student file. If your school approves your need for a tutor , it will assign you a tutor and confirm the tutor s hourly pay. After you get tutoring , you, your tutor , and your school s certifying official must fill out and sign an Application for Individualized Tutorial Assistance VA Form 22 - 1990 t. If you re using the Post-9/11 GI Bill , your instructor must also sign section 18 of this form. Download VA Form 22 - 1990 t PDF The form must be signed and dated on or after the date of the last certified tutoring session item 12b on the form. If you re using the Montgomery GI Bill MGIB , you can get up to $600 before we charge your benefits. If you re using the Post-9/11 GI Bill or Dependents Educational Assistance DEA , we won t charge your GI Bill benefits. Note: Reservists using the Reserve Educational Assistance Program REAP benefit can t also get tutorial assistance.", "VA housing assistance \nVA housing assistance can help Veterans, service members, and their surviving spouses to buy a home or refinance a loan. We also offer benefits and services to help you build, improve, or keep your current home. Find out how to apply for and manage the Veterans housing assistance benefits you've earned.  On this page \nGet VA Home Loan Benefits Get Veterans Housing Assistance Grants  How do I get help if I'm homeless or at risk of becoming homeless? \nWe offer many programs and services that may help including free health care and, in some cases, free limited dental care. We can also help you connect with resources in your community, like homeless shelters or faith - based organizations. Find the support you need : Call the National Call Center for Homeless Veterans at 877 - 424 - 3838 for help 24 hours a day , 7 days a week. You ll talk privately with a trained VA counselor for free. Contact your nearest VA medical center and ask to talk with the VA social worker. If you're a female Veteran , ask for the Women Veterans Program Manager. Find the nearest VA medical center Talk with someone right now : If you're a Veteran in crisis or concerned about one , 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. Chat online with a trained VA staff member ", "Get VA Home Loan Benefits \nAbout VA Home Loan TypesLearn how VA direct and VA - backed home loans work and find out which loan type may be right for you. EligibilityFind out if you're eligible for a VA direct or VA - backed home loan, based on your service history and duty status. How to Apply for Your Certificate of EligibilityGet instructions for how to apply for your VA home loan Certificate of Eligibility COE and what to do next depending on your loan type. VA Home Loan Programs for Surviving SpousesFind out if you're eligible and how to apply for a VA home loan COE as the surviving spouse of a Veteran or the spouse of a Veteran who is missing in action or being held as a Prisoner of War. Check Your Appeal StatusTrack the status of an open home loan COE appeal. Having Trouble Making Payments on a VA - Backed Mortgage? Get help to avoid foreclosure if you're struggling to make your monthly mortgage payments. A Warning about Home Loan Refinancing OffersLearn about the signs of misleading offers to refinance your VA - backed home loan, like claims that you can skip payments or get very low interest rates or other terms that sound too good to be true. Home Buying Process for VeteransWatch a video and get more information about using your VA home loan benefit to buy a home. VA Loan Funding FeeFind out if you'll need to pay this fee when using your home loan benefits. Find a VA Regional Loan CenterLook up contact information for your nearest regional loan center. Find VA - Acquired PropertiesLearn more about buying a home we've acquired because its VA - direct or VA - backed home loan was terminated. how to get help if you have a VA direct or VA - backed home loan or Specially Adapted Housing grant Guidance on Natural DisastersFind out and your home was damaged by a natural disaster. ", "Get Veterans Housing Assistance Grants \nAbout Disability Housing Grants for VeteransFind out how to apply for a housing grant as a Veteran or Servicemember with a service - connected disability. Apply for a Specially Adapted Housing GrantGet financial help to make changes to your home to help you live more independently with a service - connected disability. Check Your SAH Grant Claim StatusTrack the status of an open claim for a Specially Adapted Housing grant.  Other VA Benefits and Services \nDisability Compensation Pay Find out how to file a claim for compensation for conditions related to your military service. Pension BenefitsSee if you qualify for pension benefits as a wartime Veteran or a surviving spouse or child. Vocational Rehabilitation and Employment VR&E If your service - connected disability limits your ability to work or prevents you from working , find out if you can get VR&E benefits and services like help exploring employment options and getting more training if required. Life insuranceExplore your life insurance options and find out how to apply as a service member, Veteran, or family member.  National Call Center for Homeless Veterans \nFind out how we can help you or a Veteran you care about connect with VA and local resources 24 hours a day , 7 days a week.  Message us \nAsk a question online  Call us \nVA benefits hotline:800 - 827 - 1000 eBenefits technical support:800 - 983 - 0937 Call MyVA311 for help:844 - 698 - 2311 If you have hearing loss , call TTY : 711. ", "Veterans Benefits Administration \nGet updates \nVeterans benefits email updates  Follow us \nVeterans Benefits Administration Facebook Veterans Benefits Administration Instagram Veterans Benefits Administration Linkedin Veterans Benefits Administration Twitter Veterans Benefits Administration YouTube", "Get Veterans Housing Assistance Grants \nAbout Disability Housing Grants for VeteransFind out how to apply for a housing grant as a Veteran or Servicemember with a service - connected disability. Apply for a Specially Adapted Housing GrantGet financial help to make changes to your home to help you live more independently with a service - connected disability. Check Your SAH Grant Claim StatusTrack the status of an open claim for a Specially Adapted Housing grant.  Other VA Benefits and Services \nDisability Compensation Pay Find out how to file a claim for compensation for conditions related to your military service. Pension BenefitsSee if you qualify for pension benefits as a wartime Veteran or a surviving spouse or child. Vocational Rehabilitation and Employment VR&E If your service - connected disability limits your ability to work or prevents you from working , find out if you can get VR&E benefits and services like help exploring employment options and getting more training if required. Life insuranceExplore your life insurance options and find out how to apply as a service member, Veteran, or family member.", "How to apply for VA Voc Rehab and Employment \nFind out how to apply for VA Voc Rehab and Employment also known as Vocational Rehabilitation and Employment, VR&E, or Chapter 31 benefits.  How do I apply if I already have a VA disability rating? \nSign in to your eBenefits account. Select Apply. Click Vocational Rehabilitation and Employment Benefits. Select the Vocational Rehabilitation and Employment benefit you re applying for. If you re eligible , we ll invite you to an orientation session at your nearest VA regional benefit office. Go to eBenefits to apply  What if I m a service member who hasn t yet received a service-connected disability rating? \nYou don t need to wait for a rating. Instead , please fill out VA Vocational Rehabilitation - Getting Ahead After You Get Out VA Form 28 - 0588. Download VA Form 28 - 0588 PDF You may be eligible for VR&E benefits and services if you re in at least one of the below situations. At least one of these must be true. You re: Going through the Physical Evaluation Board process, or Expecting an other than dishonorable discharge and have a VA memorandum rating of 20% or more , or Entered in the Integrated Disability Evaluation System IDES. Learn more about accessing VR&E services through IDES Please note: Severely injured active - duty service members can automatically receive VR&E benefits before VA issues a disability rating, because of Sec. 1631 of the National Defense Authorization Act PL 110 - 181. The sunset date of that law has been extended to September 30 , 2018, through Sec. 724 of Public Law 113 - 291. ", "What happens after I apply? \nAfter you apply , we ll schedule a meeting for you with a Vocational Rehabilitation Counselor VRC to find out if you have an employment handicap and if you re eligible for VR&E benefits and services. You have an employment handicap if your service - connected disability limits your ability to prepare for, obtain, and maintain suitable employment a job that doesn t make your disability worse, is stable, and matches your abilities, aptitudes, and interests. After we make an entitlement decision , you and your counselor will work together to develop a rehabilitation plan. This plan outlines the rehabilitation and other services that VR&E will provide. You can also meet with VRCs called VetSuccess on Campus VSOC counselors at schools participating in the VetSuccess on Campus VSOC program. Learn more about VetSuccess on Campus  What s included in a rehabilitation plan? \nA rehabilitation plan is a written plan that outlines the resources we ll use to help you find employment. Depending on your situation , your VRC will work with you to choose one of the following support - and - services tracks to help you find and keep a job, and live as independently as possible : Reemployment with a former employer Job placement and counseling services for new employment Help with starting your own business to help you find work in a different field that better suits your abilities and interests Long - term training or services if you can t return to work right away Independent living services ", "What happens after my VRC creates my rehabilitation plan? \nYour VRC will help you put your plan into action. They ll also provide ongoing counseling and help you get tutorial assistance, job training, work - readiness support, and medical referrals.", "Upload evidence to support your disability claim \nIf you ve filed a claim for disability compensation , you can continue uploading more evidence for up to one year to support your claim. Evidence may include supporting documents like medical test results, doctor s reports, and other records. Upload your evidence online now.  How do I upload evidence online to support my disability claim? \nYou can upload evidence to support your disability claim through our claim tracking tool. This tool also helps you check the status of your claim. Find out how to sign in to use this tool  If I filed a standard disability claim, when should I upload evidence? \nUpload your evidence as soon as you can. You can continue uploading documents for up to one year from the date we receive your claim. But , if you don t provide any evidence or give us the information we need to help you get evidence within 30 days , we may make a decision on your claim earlier. If we decide your claim early , you ll still have the rest of the one - year period to provide more information or evidence.  What happens if I upload more evidence after I ve submitted a fully developed claim? \nWe ll remove your disability claim from the Fully Developed Claims program and process it as a standard claim. If we decide your claim earlier than one year from the date we received the claim , you ll still have the rest of the year to provide any additional information or evidence. ", "What kinds of documents should I upload to support my disability claim? \nFederal and state records \nThese include copies of : Your military medical records Your military personnel records Any Social Security Administration or other federal or state medical treatment records that support your claim if you ve served in either of these branches Any treatment or personnel records from your National Guard or Reserve unit If you don t have copies of these records , you can ask us to request them for you as part of the claim process.  Private medical treatment records \nIf you ve seen a non - VA health care provider for diagnosis or treatment , you ll need to upload copies of all medical records that can provide information about the disability you re claiming. These may include evidence like : Doctor s reports X-rays Medical lab or test results  Supporting statements \nIf you re claiming a disability for an injury or illness that you don t think we have in your military records , you ll also want to upload statements that support your claim. These statements should be from people who know about, or who you ve talked to about, your claimed medical condition and how and when it occurred. You can ask for supporting statements from people like : who served with you Service members Your family and friends Clergy members Law enforcement officers  Disability Benefits Questionnaires (DBQs) \nYou can help speed up your claim by using Disability Benefits Questionnaires DBQs. These forms ask for specific information we need to determine a disability rating for different medical conditions. You can help to make sure that our ratings specialists have exactly what they need to make a decision on your claim by asking your VA or non - VA community health care provider to fill out one or more DBQs. You can search for DBQs to download by form name or by symptom. Find VA DBQs to take to your health care provider ", "Any additional forms needed to support your claim \nIn some cases , you may need to turn in one or more additional forms to support your disability claim. See if you need to complete any additional forms  Can I upload evidence to support an appeal? \nNo. You can only upload evidence to support your initial disability claim. Learn more about filing an appeal", "Service-Disabled Veterans Life Insurance (S-DVI) \nService - Disabled Veterans Life Insurance S - DVI provides low - cost coverage to eligible service members. If you have a service - connected disability , find out how to apply for S - DVI online or by mail.  Can I apply for Service-Disabled Veterans Life Insurance? \nYou can apply for S - DVI if you meet all of the requirements listed below. All of these must be true. You: Were released from active duty on or after April 25 , 1951, and didn t receive a dishonorable discharge , and Were rated for a service - connected disability even if only 0%, and Are in good health except for any service - connected conditions , and Apply within 2 years from the date we grant your new service - connected disability Note: you had before An increase of a rating or a rating of Individual Unemployability , meaning you can t work doesn t qualify you for S - DVI. Watch our video about the benefits of S - DVI  Can I get more life insurance coverage if I need it? \nIf you carry the basic S - DVI coverage and become totally disabled and unable to work , you can apply to get up to $30,000 more in coverage. This is called supplemental S - DVI coverage. You may be able to get $30,000 of supplemental coverage if you qualify for a premiums waiver , and you meet both of the requirements listed below. Both of these must be true. You: Apply for the coverage within 1 year from the date you get notice of the grant of waiver , and Are younger than age 65 Learn more about premium waivers ", "Who s covered? \nVeterans  What should I do if I received an other than honorable, bad conduct, or dishonorable discharge? \nIf you ve received one of these discharge statuses , you may not be eligible for VA benefits. There are 2 ways you can try to qualify : Find out how to apply for a discharge upgradeLearn about the VA Character of Discharge review process  What kind of life insurance benefits can I get with Service-Disabled Veterans Life Insurance? \nUp to $10,000 of coverage Up to $30,000 of supplemental coverage  How do I get these benefits? \nYou ll need to apply for benefits in 1 of 2 ways : Apply for basic S - DVI online , or Fill out an Application for Service - Disabled Veterans Life Insurance VA Form 29 - 4364. Download VA Form 29 - 4364 PDF Fax it to 888 - 748 - 5822, or mail it to : Department of Veterans Affairs Regional Office and Insurance Center RH PO Box 7208 Philadelphia , PA 19101 If you want to apply for supplemental S - DVI , you must have already applied for and been granted a waiver of premiums. See our information below about getting a waiver. To apply for supplemental S - DVI , file an Application for Supplemental Service - Disabled Veterans Insurance VA Form 29 - 0188 or send a letter requesting this insurance over your signature. You must apply for the coverage within one year from the date you receive notice of the grant of waiver of premiums. Download VA Form 29 - 0188 PDF ", "How much will I pay for these benefits? \nYour premium rate the amount you ll pay each month for your coverage depends on all of the factors listed below. Your premium rate depends on : Your age , and The amount of insurance you want , and The coverage plan requested See the premium rates and a description of the plan options. Download Service - Disabled Veterans Insurance RH Information and Premium Rates VA pamphlet 29 - 9  Can I get a waiver so I don t have to pay the premiums? \nYes , in some cases. Under certain conditions , the basic S - DVI policy provides for a waiver of premiums for Veterans who are totally disabled. Learn more about premium waivers You must pay your premiums for supplemental S - DVI.  What if I need help with my claim? \nIf you have questions about Service - Disabled Veterans Insurance or a VA life insurance policy that starts with a V, RH, J, RS, K, or W , you can call the VA Life Insurance Center at 800 - 669 - 8477. We re here from 8:30 a.m. to 6:00 p.m. ET.  Veterans Mortgage Life Insurance (VMLI) \nIf you have a severe service - connected disability that we ve concluded was caused or made worse by your service , you may be able to get Veterans Mortgage Life Insurance VMLI. In the event of your death , this mortgage protection insurance can help your family pay off the home mortgage on a home that s been adapted to meet your needs. To get VMLI , you ll need to apply for our Specially Adapted Housing SAH Grant. The SAH grant can help you buy, build, or make changes like installing ramps or widening doorways to a home so you can live more independently. When you receive an SAH grant , your Loan Guaranty agent will tell you if you qualify for VMLI and will help you apply. Find out if you qualify for an SAH grant and how to apply Find out if you qualify for VMLI and how to apply", "VA vision care \nIf you qualify for VA health care benefits , you may be able to get some or all of your vision care through VA . Find out more about our vision care.  Are my routine eye exams covered under my VA health care benefits? \nYes. If you have VA health care benefits , we ll cover your routine eye exams and preventive vision testing like testing for glaucoma. To schedule an eye exam, talk to your VA primary care provider or contact your nearest VA medical center or clinic. Find a VA medical center near you If you re a blind or low vision Veteran , you may be able to get more advanced vision care and rehabilitation services. Find out if you qualify for blind and low vision Veteran services  Will VA cover the cost of eyeglasses? \nWe ll cover the cost of your eyeglasses if you meet at least one of the requirements listed below. At least one of these must be true. You: Have a compensable service - connected disability a disability linked to your military service for which you re receiving VA disability payments , or Are a former prisoner of war POW , or Were awarded a Purple Heart , or Receive benefits under Title 38 United States Code U.S.C. 1151, or Receive an increased pension based on your being permanently housebound and in need of regular aid and attendance Or , you must have at least one of these issues : Vision problems caused by an illness or the treatment of an illness for which you re receiving VA care, like : Stroke Diabetes Multiple sclerosis Vascular disease diseases that affect your blood vessels Geriatric chronic illnesses long - lasting illnesses that affect the elderly Vision problems caused by an injury or the treatment of an injury for which you re receiving VA care, like : A reaction to prescribed medicines Cataract surgery or other surgeries of the eye, ear, or brain Traumatic brain injury or polytrauma injuries to more than 1 body part or organ, often caused by a blast Functional impairment parts of your body that don t work as well as they should or cognitive impairment a problem with memory or thinking skills that s severe enough to make it hard for you to do everyday tasks Vision and/or hearing loss called dual sensory impairment that s severe enough to interfere with your ability to take an active role in your own health care and eyeglasses would help to reduce the impact of your impairment For more information , contact the prosthetic representative at your nearest VA medical center or clinic. Find a VA health facility near you ", "If I have vision and hearing loss, will VA cover the cost of hearing aids too? \nFind out how to get hearing aids through VA", "Health care for spouses, dependents, and family caregivers \nIf you re the spouse, surviving spouse, dependent child, or family caregiver of a Veteran or service member , you may qualify for health care benefits. In certain cases , you may also qualify for health care benefits due to a disability related to your Veteran s service. Find out if you qualify and how to apply.  TRICARE \nIf you re the family member of an active - duty, retired, or deceased service member, National Guard Soldier, Reservist, or Medal of Honor recipient , you may qualify for the TRICARE program. TRICARE provides comprehensive health coverage, including health plans, prescription medicines, dental plans, and programs for people with special needs. The Department of Defense s Defense Health Agency manages this program. Find out if you qualify for TRICARE and how to apply  The Civilian Health and Medical Program of the Department of Veterans Affairs (CHAMPVA) \nAre you the current or surviving spouse or child of a Veteran with disabilities or a service member who died in the line of duty? If you don t qualify for TRICARE , you may be able to get health insurance through CHAMPVA. Through this program , we cover the cost of some of your health care services and supplies. This is called cost sharing. Find out if you qualify for CHAMPVA and how to apply  The Program of Comprehensive Assistance for Family Caregivers \nIf you re a family member caring for a Veteran with disabilities who was injured in the line of duty on or after September 11 , 2001 , you may qualify for health care benefits and other caregiver support through the Program of Comprehensive Assistance for Family Caregivers. Find out if you qualify for this program and how to apply ", "The Camp Lejeune Family Member Program \nDid you live at U.S. Marine Corps Base Camp Lejeune or Marine Corps Air Station MCAS in North Carolina with an active - duty Veteran who was your spouse or parent? If you lived in either of these places for at least 30 cumulative days from August 1953 through December 1987 , you may have had contact with contaminants in the drinking water there. Scientific and medical evidence has shown an association between exposure to these contaminants and the development of certain diseases later on. If you now have one of the related conditions , you may qualify for health care benefits through VA.Find out if you qualify for this program and how to apply  The Spina Bifida Health Care Benefits Program \nIf you re the biological child of a Korean or Vietnam War Veteran and you ve been diagnosed with spina bifida , you may qualify for disability benefits, including health care benefits. Find out if you qualify and how to apply  The Children of Women Vietnam Veterans Health Care Benefits Program \nIf you re the biological child of a woman Vietnam War Veteran and you ve been diagnosed with certain birth defects , you may qualify for VA health care benefits. These benefits may help pay for services needed to treat your covered birth defect and related medical conditions. Find out if you qualify and how to apply  Pharmacy benefits \nIf you qualify for CHAMPVA or the Spina Bifida or Children of Women Vietnam Veterans programs , you can get prescription benefits through your local pharmacy or through our Meds by Mail program. Learn more about pharmacy benefits", "Agent Orange exposure in Vietnam or Korea \nDid you serve in Vietnam, including aboard a vessel on the inland waterways or within the 12-mile territorial seas? Did you serve in or near the Korean Demilitarized Zone DMZ during the Vietnam Era? If you served in either of these locations , you may have had contact with Agent Orange, an herbicide the U.S. military used to clear plants and trees during the war. We refer to this as having a presumption of contact. Find out if you can get disability compensation and other benefits for illnesses we believe are caused by Agent Orange.  Can I get disability benefits from VA? \nYou may be able to get disability benefits if the below descriptions are true for you. This must be true : You have an illness we believe is caused by Agent Orange called a presumptive disease And at least one of these must also be true. You: Came into contact with Agent Orange while serving in the military , or Served in or near the DMZ for any length of time between September 1 , 1967, and August 31 , 1971, or Served in the Republic of Vietnam for any length of time between January 9 , 1962, and May 7 , 1975. This may include serving aboard a vessel on the inland waterways, or on a vessel operating not more than 12 nautical miles seaward from the demarcation line of the waters of Vietnam and Cambodia as detailed in Public Law 116 - 23, the Blue Water Navy Vietnam Veterans Act of 2019. Review our list of diseases related to Agent Orange ", "Who s covered? \nVeterans Qualified dependents  What kind of benefits can I get? \nHealth care Compensation payments An Agent Orange Registry health exam  How do I get these benefits? \nYou ll need to file a claim for disability compensation.  If you have an illness we believe is caused by Agent Orange \nYou won t need to show that the problem started during or got worse because of your military service. This is because we believe that certain illnesses are the result of exposure to herbicides. We refer to these as presumptive diseases. Review our list of diseases related to Agent Orange When you file your claim , you'll need to submit : that shows you have an Agent Orange related illness A medical record And you'll need to submit a military record that shows you : Served in the Republic of Vietnam for any length of time between January 9 , 1962, and May 7 , 1975, or Served in or near the Korean Demilitarized Zone for any length of time between September 1 , 1967, and August 31 , 1971 Were aboard a U.S. military vessel that entered the inland waterways of Vietnam , or Served aboard a vessel operating not more than 12 nautical miles seaward from the demarcation line of the waters of Vietnam and Cambodia as detailed in Public Law 116 - 23, the Blue Water Navy Vietnam Veterans Act of 2019 , or Were exposed to herbicides in a location other than Vietnam or the Korean Demilitarized Zone Find out how to file a claim for disability compensation ", "If you have an illness that s not on the list of Agent Orange related diseases, but you believe was caused by Agent Orange \nYou ll need to : Provide scientific and medical evidence that the condition is related to exposure to Agent Orange , or Show that the problem started during or got worse because of your military service Scientific proof may include an article from a medical journal or a published research study. When you file your claim , you'll need to submit a medical record that shows : You have a current disability , and There's a connection between Agent Orange exposure and your current disability And you'll need to submit a military record that shows you : Served in the Republic of Vietnam for any length of time between January 9 , 1962, and May 7 , 1975, or Served in or near the Korean Demilitarized Zone for any length of time between September 1 , 1967, and August 31 , 1971, or Came into contact with Agent Orange in a location other than Vietnam or the Korean Demilitarized Zone Find out how to file a claim for disability compensation  What if I need help filing my claim? \nYou can get help from us in one of these ways : Call 800 - 827 - 1000 or TTY 800 - 877 - 8339 , or Go to your nearest VA regional benefit office , or Get help from a trained professional trusted to help with VA - related claims", "Access and manage your VA benefits and health care \nHealth care \nRefill and track your prescriptions Send a secure message to your health care team Schedule and view your appointments View your lab and test results Apply now for VA health care  Disability \nCheck your claim or appeal status View your payment history Upload evidence to support your claim File for a VA disability increase File a claim for compensation  Education \nCheck your Post-9/11 GI Bill benefits View your payment history Change your current education benefits Compare GI Bill benefits by school Apply for education benefits  Records \nGet Veteran ID cards Get your VA medical records Download your benefit letters Change your address Request your military records DD214  Service member benefits \nFind out what benefits you may be eligible for during service and which time - sensitive benefits to consider when separating or retiring.  Family member benefits \nLearn about the benefits you may qualify for as a spouse, dependent, or survivor. And find out what you're eligible for as a family member caring for a Veteran with disabilities.  Burials and memorials \nGet help planning a burial in a VA national cemetery, order a headstone or other memorial item to honor a Veteran's service, and apply for survivor and dependent benefits.  Careers and employment \nApply for vocational rehabilitation services, get support for your Veteran - owned small business, and access other career resources.  Housing assistance \nFind out if you're eligible for a VA - backed home loan. If you have a service - connected disability , see if you qualify for a housing grant to help you live more independently. ", "Pension \nApply for monthly payments for wartime Veterans and survivors with limited or no income who meet certain age and disability requirements.  Life insurance \nExplore VA life insurance options for Veterans, service members, and families. Manage your policy online, file claims for benefits, and access helpful resources.  Education and training \nApply for and manage your GI Bill and other education benefits to help pay for college and training programs.  Records \nApply for a printed Veteran ID card, get your VA benefit letters and medical records, and learn how to apply for a discharge upgrade.  Health care \nApply for VA health care, find out how to access services, and manage your health and benefits online.  Disability \nFile a claim for disability compensation for conditions related to your military service, and manage your benefits over time.  VA MISSION Act \nLearn about new eligibility criteria for community care under the VA MISSION Act.  VA's official podcast \nBorne the Battle spotlights inspiring Veteran stories, important resources, offices, and VA benefits.  VAntage Point: news you can use \nVAntage Point is VA s official blog. Here you will find stories from around VA and the Veteran community.", "Agent Orange exposure \nThe U.S. military used Agent Orange to clear plants and trees during the Vietnam War. If you served in Vietnam or in or near the Korean Demilitarized Zone DMZ during the Vietnam Era or in certain related jobs you may have had contact with this herbicide. We refer to this as having a presumption of contact. Find out if you can get disability compensation and other benefits for illnesses we believe are caused by Agent Orange.  Can I get disability benefits from VA? \nYou may be able to get disability benefits if the below descriptions are true for you. This must be true : You have an illness we believe is caused by Agent Orange called a presumptive disease And at least one of these must also be true. You: Came into contact with Agent Orange while serving in the military , or Served in or near the DMZ for any length of time between September 1 , 1967, and August 31 , 1971, or Served in the Republic of Vietnam for any length of time between January 9 , 1962, and May 7 , 1975. This may include serving aboard a vessel on the inland waterways, or on a vessel operating not more than 12 nautical miles seaward from the demarcation line of the waters of Vietnam and Cambodia as detailed in Public Law 116 - 23, the Blue Water Navy Vietnam Veterans Act of 2019. Review our list of diseases related to Agent OrangeLearn what kinds of service may have put you in contact with Agent Orange ", "Who s covered? \nVeterans Qualified dependents  What kind of benefits can I get? \nHealth care Compensation payments An Agent Orange Registry health exam  How do I get these benefits? \nYou ll need to file a claim for disability compensation and submit your evidence supporting documents.  If you have an illness we believe is caused by Agent Orange \nYou won t need to show that the problem started during or got worse because of your military service. This is because we believe that certain illnesses are the result of exposure to herbicides. We refer to these as presumptive diseases. Review our list of diseases related to Agent Orange When you file your claim , you'll need to submit : that shows you have an Agent Orange related illness A medical record And you'll need to submit a military record that shows you : Served in the Republic of Vietnam for any length of time between January 9 , 1962, and May 7 , 1975, or Served in or near the Korean Demilitarized Zone for any length of time between September 1 , 1967, and August 31 , 1971, or Were aboard a U.S. military vessel that entered the inland waterways of Vietnam , or Served aboard a vessel operating not more than 12 nautical miles seaward from the demarcation line of the waters of Vietnam and Cambodia as detailed in Public Law 116 - 23, the Blue Water Navy Vietnam Veterans Act of 2019 , or Were exposed to herbicides in a location other than Vietnam or the Korean Demilitarized Zone Find out how to file a claim for disability compensation ", "If you have an illness that s not on the list of Agent Orange related diseases, but you believe was caused by Agent Orange \nYou ll need to : Provide scientific and medical evidence that the condition is related to exposure to Agent Orange , or Show that the problem started during or got worse because of your military service Scientific proof may include an article from a medical journal or a published research study. When you file your claim , you'll need to submit a medical record that shows : You have a current disability , and There's a connection between Agent Orange exposure and your current disability And you'll need to submit a military record that shows you : Served in the Republic of Vietnam for any length of time between January 9 , 1962, and May 7 , 1975, or Served in or near the Korean Demilitarized Zone for any length of time between September 1 , 1967, and August 31 , 1971, or Came into contact with Agent Orange in a location other than Vietnam or the Korean Demilitarized Zone Find out how to file a claim for disability compensation  Get more information \nReview the Veterans compensation benefits rate tables Contact us if you have questions : Call the Agent Orange help line at 800 - 749 - 8387 , or Send an email to GW/AOHelpline@vba.va.gov Note: Please be ready to give us your name, email address, telephone number, and VA file number or Social Security number. If you think you may have had contact with Agent Orange or other herbicides while serving in the military , you can request a health exam. Get an Agent Orange Registry health exam ", "You may have had contact with Agent Orange if you served in any of these ways \nIn Vietnam or Korea Between January 9 , 1962, and May 7 , 1975, in Vietnam, or between September 1 , 1967, and August 31 , 1971, in or near the DMZ On U.S. Navy and Coast Guard ships or other vessels in or near Vietnam Between January 9 , 1962, and May 7 , 1975 On Thailand military bases Between January 9 , 1962, and May 7 , 1975 On C-123 airplanes Between January 9 , 1962, and May 7 , 1975 In testing and storage areas outside of Vietnam Between 1944 and a yet - to - be - determined date", "VA education and training benefits \nVA education benefits help Veterans, service members, and their qualified family members with needs like paying college tuition, finding the right school or training program, and getting career counseling. Learn how to apply for and manage the education and training benefits you've earned.  On this page \nGet GI Bill and other education benefits Manage your Veterans education benefits More information and resources  Get GI Bill and other education benefits \nAbout GI Bill benefitsLearn how the GI Bill works and explore your options to pay for school or training. EligibilitySee if you're eligible for GI Bill or other VA education benefits. How to applyLearn how to prepare and apply for the GI Bill or other VA education and training benefits. After you applyFind out when to expect a decision from us on your application and what to do next. Vocational Rehabilitation and EmploymentSee if you qualify for help exploring employment options, any training you may need, and other voc rehab services. Educational and Career Counseling Chapter 36 Find out how to get free educational and career counseling as a recently discharged Veteran or a dependent family member. VA education benefits for dependents and survivorsFind out if you're eligible for Veteran dependent or survivor education benefits through a GI Bill program. Other educational assistance programsIf you're a Guardsman, Reservist, or Veteran who doesn't qualify for the Post-9/11 GI Bill , see if you're eligible for other VA education benefits. ", "Manage your Veterans education benefits \nView your VA payment historySee your payment history for VA education and other benefits you may have like disability compensation and pension. Check your Post-9/11 GI Bill benefitsSee how much of your GI Bill benefits you have left to help pay for school or training. Transfer Post-9/11 GI Bill benefitsTransfer your unused Post-9/11 GI Bill benefits to your spouse or other dependents. Change your GI Bill school or programRequest a change to use a different GI Bill program or to transfer your benefits to a new school or training program. Change your VA direct deposit informationFind out how to change your GI Bill direct deposit and contact information. Check your VA appeal statusTrack the status of your VA education benefits appeal. Verify your school enrollmentUse our online verification system called \" WAVE \" to confirm you're enrolled in an approved school or training program so you keep receiving your education benefits. Apply to restore your GI Bill benefitsIf your school closed or your program ended because of a change in VA regulations or a new law , apply to have your GI Bill benefits restored.  More information and resources \nGI Bill Comparison ToolLearn about VA education benefits programs and compare GI Bill benefits by school. Post-9/11 GI Bill and other VA education benefits ratesView rate tables for the Post-9/11 GI Bill and other Veterans education benefits programs. How to choose GI Bill approved schoolsGet links to VA and non - VA resources for guidance in choosing a college or training program. CareerScope assessmentGet a CareerScope assessment to help you figure out your career path when transitioning to civilian life. VA education debt and GI Bill overpaymentGet answers to frequently asked questions about GI Bill overpayments and VA education debt management. GI Bill questions and customer helpContact us to ask questions and get help with your benefits online or by phone. GI Bill School Feedback ToolFind out how to give us feedback about your GI Bill school. Education forms and resourcesDownload VA education benefits forms , fact sheets , and other resources. My Story how Veterans and service members use the GI BillHear inspiring stories from Veterans and service members who ve advanced their education and training with the Post-9/11 GI Bill. Other helpful education resourcesGet links to non - VA resources and websites that may be useful to student Veterans and those who support them. ", "Other VA benefits and services \nVA transition assistanceLearn about VA benefits available to you and your family as you transition out of active - duty, National Guard, or Reserve service. Vocational Rehabilitation and EmploymentFind out if you qualify for help exploring employment options, any training you may need, and other voc rehab services. Home loan benefitsExplore options for Veterans home loans , apply for your Certificate of Eligibility COE, and get help if you're having trouble making your mortgage payments. Veteran - owned small business supportRegister to do business with VA and get support for your Veteran - owned small business. Jobs for VeteransGet help from the U.S. Department of Labor to find a job, get training, or explore career options.  GI Bill Comparison Tool \nLearn about education programs and compare benefits by school.  Message us \nAsk a question online  Call us \nGI Bill Hotline:888-GIBILL-1 888 - 442 - 4551 Students Outside the U.S.:+1 - 918 - 781 - 5678 VA benefits hotline:800 - 827 - 1000 eBenefits technical support:800 - 983 - 0937 Call MyVA311 for help:844 - 698 - 2311 If you have hearing loss , call TTY : 711.  Get information for: \nSchool administrators  Veterans Benefits Administration \nGet updates \nVeterans benefits email updates  Follow us \nVeterans Benefits Administration Facebook Veterans Benefits Administration Instagram Veterans Benefits Administration Linkedin Veterans Benefits Administration Twitter Veterans Benefits Administration YouTube", "Other VA benefits and services \nVA transition assistanceLearn about VA benefits available to you and your family as you transition out of active - duty, National Guard, or Reserve service. Vocational Rehabilitation and EmploymentFind out if you qualify for help exploring employment options, any training you may need, and other voc rehab services. Home loan benefitsExplore options for Veterans home loans , apply for your Certificate of Eligibility COE, and get help if you're having trouble making your mortgage payments. Veteran - owned small business supportRegister to do business with VA and get support for your Veteran - owned small business. Jobs for VeteransGet help from the U.S. Department of Labor to find a job, get training, or explore career options.", "VA Aid and Attendance benefits and Housebound allowance \nVA Aid and Attendance or Housebound benefits provide monthly payments added to the amount of a monthly VA pension for qualified Veterans and survivors. If you need help with daily activities, or you re housebound , find out if you qualify.  Am I eligible for VA Aid and Attendance or Housebound benefits as a Veteran or survivor? \nVA Aid and Attendance eligibility \nIf you get a VA pension and you meet at least one of the requirements listed below , you may be eligible for this benefit. At least one of these must be true : You need another person to help you perform daily activities, like bathing, feeding, and dressing , or You have to stay in bed or spend a large portion of the day in bed because of illness , or You are a patient in a nursing home due to the loss of mental or physical abilities related to a disability , or Your eyesight is limited even with glasses or contact lenses you have only 5/200 or less in both eyes; or concentric contraction of the visual field to 5 degrees or less  Housebound benefits eligibility \nIf you get a VA pension and you spend most of your time in your home because of a permanent disability a disability that doesn t go away , you may be eligible for this benefit. Note: You can t get Aid and Attendance benefits and Housebound benefits at the same time. ", "How do I get this benefit? \nYou can apply for VA Aid and Attendance or Housebound benefits in one of these ways :  Send a completed VA form to your pension management center (PMC) \nFill out VA Form 21 - 2680 Examination for Housebound Status or Permanent Need for Regular Aid and Attendance and mail it to the PMC for your state. You can have your doctor fill out the examination information section. Download VA Form 21 - 2680 PDF Find your PMC You can also include with your VA form : Other evidence , like a doctor s report , that shows you need Aid and Attendance or Housebound care Details about what you normally do during the day and how you get to places that help show what kind of illness, injury, or mental or physical disability affects your ability to do things, like take a bath, on your own Details If you re in a nursing home , you ll also need to fill out a Request for Nursing Home Information in Connection with Claim for Aid and Attendance VA Form 21 - 0779. Download VA Form 21 - 0779 PDF  Apply in person \nYou can bring your information to a VA regional office near you. Find your nearest VA regional office  How long does it take VA to make a decision? \nIt depends. We process claims in the order we receive them, unless a claim requires priority processing.", "VA benefits for service members \nIf you're serving on active duty in the United States uniformed services, including active National Guard and Reserve with federal pay , you may be eligible for VA benefits both during service and after separation or retirement. If you're a traditional or technical member of the National Guard and Reserve , you may also be eligible for some VA benefits. Find out which benefits you may qualify for and when to apply. You'll also learn about these benefits in your required Transition Assistance Program TAP briefing.  On this page \nyou can use during and after service VA benefits Time - sensitive VA benefits to consider when separating or retiring to consider as a Veteran Other VA benefits  Get free mental health care for a year after separation no matter your discharge status, service history, or eligibility for VA health care. \nIf you need support for a specific mental health problem or if you re having problems sleeping , controlling your anger , or readjusting to civilian life you are not alone. And we can help. To access free VA mental health services right away : Call or walk in to any VA medical center anytime, day or night. Find your nearest VA health facility Call or walk in to any Vet Center during clinic hours. Find your nearest Vet Center Call us at 1 - 877 - 222-VETS 1 - 877 - 222 - 8387. We re here Monday through Friday , 8:00 a.m. to 8:00 p.m. ET. If you have hearing loss , call TTY : 1 - 800 - 877 - 8339. You don t need to be enrolled in VA health care to get care. Learn more about accessing VA mental health services To connect with other resources for Veterans and transitioning service members : Visit the Department of Defense DoD Military OneSource website Visit our mental health site for transitioning service members Read about our commitment to supporting transitioning Veterans ", "VA benefits you can use during and after service \nGI Bill and other education benefitsFind out if you qualify for VA education benefits to help pay for school or training. If you qualify for the Post-9/11 GI Bill , learn how to transfer your unused benefits to your spouse or dependent children. Open to service members and Veterans active duty, Guard, and Reserve Certificate of Eligibility for a VA - backed home loanReview the requirements for getting a Certificate of Eligibility COE to buy, build, improve, or refinance a home. Open to service members and Veterans active duty, Guard, and Reserve Life insurance for you and your familyFind out if you qualify for and how to manage your SGLI coverage, and learn about coverage options for you and your family after separation or retirement. Open to service members and Veterans active duty, Guard, and Reserve  Time-sensitive VA benefits to consider when separating or retiring \nPre - discharge disability claimIf you have an illness or injury that you believe was caused or made worse by your service, learn how to file a disability claim through the Benefits Delivery at Discharge program. This may help speed up your claim so you can get your benefits sooner. You'll need to file 180 to 90 days before separation. Open to active - duty service members, Guard members, and Reservists Converting your life insurance after separationFind out how to convert your SGLI coverage to a Veterans' Group Life Insurance VGLI or commercial policy. Learn about other options for coverage if you have service - connected disabilities. In some cases , you must act within 120 days of separation to ensure no lapse in coverage. Open to service members and Veterans active duty, Guard, and Reserve Educational and career counselingGet support transitioning to a civilian career with free educational and career counseling also called Chapter 36. You'll need to apply between 6 months before and 1 year after separation. Open to active - duty service members and Veterans only Active - duty service members and VA health careLearn about your health care options after separation or retirement and how to apply for VA health care when you receive your separation or retirement orders. If you're a combat Veteran , apply right away to take advantage of 5 years of enhanced eligibility. Open to active - duty service members and Veterans only Vocational Rehabilitation and EmploymentIf you have a service - connected disability that limits your ability to work or prevents you from working, find out how to apply for vocational rehab. You can apply up to 12 years from when you receive your notice of separation or your first VA disability rating. Open to service members and Veterans active duty, Guard, and Reserve ", "Other VA benefits to consider as a Veteran \nDisability compensationFile a claim for disability compensation for conditions related to your military service, and manage your benefits over time. Open to Veterans active duty, Guard, and Reserve Support for Veteran - owned small businessesIf you served on active duty , register to do business with VA and get support for your Veteran - owned small business. If you have a service - connected disability related to active - duty service or training , you may qualify to register as a service - disabled Veteran - owned small business. Open to Veterans active duty, Guard, and Reserve Veterans Pension programIf you served on active duty during wartime , are at least 65 years old or have a service - connected disability , and have limited or no income , find out if you qualify for Veterans Pension benefits. Open to active - duty Veterans only Aid and attendance or housebound allowanceIf you need help with your daily activities or you re housebound , check whether you're eligible to have increased aid added to your monthly Veterans Pension payments. Open to active - duty Veterans only Disability housing grantsIf you have a service - connected disability, find out how to apply for a housing grant to make changes to your home so you can live more independently. Open to Veterans active duty, Guard, and Reserve More life insurance optionsExplore life insurance coverage options and services for you and your family , and manage your policy online. Open to Veterans active duty, Guard, and Reserve Pre - need eligibility determination for burial in a VA national cemeteryApply for a pre - need eligibility decision letter to confirm that you qualify for burial in a VA national cemetery. This can help you pre - plan , and it can make the process easier for your family members in their time of need. Open to active - duty Veterans only ", "VA Transition Assistance Program \nExplore your career options and learn how to access the VA benefits you've earned.  Message us \nAsk a question online  Call us \nVA benefits hotline:800 - 827 - 1000 eBenefits technical support:800 - 983 - 0937 Call MyVA311 for help:844 - 698 - 2311 If you have hearing loss , call TTY : 711.  Veterans Affairs \nGet updates \nVA email updates  Follow us \nVeterans Affairs Facebook Veterans Affairs Instagram Veterans Affairs Twitter Veterans Affairs YouTube", "Other VA benefits to consider as a Veteran \nDisability compensationFile a claim for disability compensation for conditions related to your military service, and manage your benefits over time. Open to Veterans active duty, Guard, and Reserve Support for Veteran - owned small businessesIf you served on active duty , register to do business with VA and get support for your Veteran - owned small business. If you have a service - connected disability related to active - duty service or training , you may qualify to register as a service - disabled Veteran - owned small business. Open to Veterans active duty, Guard, and Reserve Veterans Pension programIf you served on active duty during wartime , are at least 65 years old or have a service - connected disability , and have limited or no income , find out if you qualify for Veterans Pension benefits. Open to active - duty Veterans only Aid and attendance or housebound allowanceIf you need help with your daily activities or you re housebound , check whether you're eligible to have increased aid added to your monthly Veterans Pension payments. Open to active - duty Veterans only Disability housing grantsIf you have a service - connected disability, find out how to apply for a housing grant to make changes to your home so you can live more independently. Open to Veterans active duty, Guard, and Reserve More life insurance optionsExplore life insurance coverage options and services for you and your family , and manage your policy online. Open to Veterans active duty, Guard, and Reserve Pre - need eligibility determination for burial in a VA national cemeteryApply for a pre - need eligibility decision letter to confirm that you qualify for burial in a VA national cemetery. This can help you pre - plan , and it can make the process easier for your family members in their time of need. Open to active - duty Veterans only", "Employment benefits for dependent family members \nFind out if you re eligible and how to apply to get career and educational counseling through VR&E as the dependent family member of a service member or Veteran with a service - connected disability.  Can I get Educational and Career Counseling services provided by VR&E (also called Chapter 36)? \nYou may be eligible for Educational and Career Counseling if you meet both of the requirements listed below. Both of these must be true. You re: The dependent of a Veteran , and Eligible for a VA education benefit , including : The Post-9/11 GI Bill Chapter 33 The Montgomery GI Bill Active Duty MGIB - AD, Chapter 30 The Montgomery GI Bill Selected Reserve MGIB - SR, Chapter 1606 Reserve Education Assistance Program REAP, Chapter 1607  What kind of VR&E benefits can I get? \nYou can get educational and vocational counseling, plus help with : Exploring your abilities and interests Mapping out a path to employment Planning the best use of your VA benefits Note: In certain cases , you may be able to get other education and employment benefits and services for dependents. For example , you may qualify if you re the child of a Vietnam or Korean War Veteran and have certain birth defects, or if you re the dependent child or spouse of a Veteran who has died or is permanently and totally disabled as the result of active service. Learn about other benefits and services for dependents ", "Follow these steps to apply for Chapter 36 services: \nLog in to your eBenefits account. Click Additional Benefits on your dashboard. Click Vocational Rehabilitation and Employment Program. Apply for Education and Career Counseling. If you re eligible , we ll invite you to meet with a Vocational Rehabilitation Counselor VRC. Your VRC will work with you to map out a career path.  How do I apply? \nYou can apply online right now. Go to eBenefits to apply Note: If the service member or Veteran in your family isn t yet using VR&E benefits and services , they may also apply online through eBenefits.", "Get your VA medical records online \nOur online tools can help you view, organize, and share your VA medical records and personal health information. Find out if you re eligible and how to sign in to start using these tools.  VA Blue Button \nMore about VA Blue Button \nWhat is VA Blue Button, and how can it help me manage my health care? \nVA Blue Button is a feature of the health management portal within My HealtheVet. It lets you view, print, save, download, and share information from your VA medical record and personal health record. With this tool , you can better manage your health needs and communicate with your health care team. With VA Blue Button , you can : Download a customized Blue Button report with information from your VA medical records, personal health record, and in some cases your military service record Download a Health Summary that includes specific information from your VA medical record like your known allergies, medications, and recent lab results Build your own personal health record that includes information like your self - entered medical history, emergency contacts, and medicines Monitor your vital signs and track your diet and exercise with our online journals Share a digital copy of the personal health information you entered yourself with your VA health care team through Secure Messaging  Am I eligible to use all the features of VA Blue Button? \nYou can use all the features of this tool if you meet all of the requirements listed below. Both of these must be true. You re: Enrolled in VA health care , and Registered as a patient in a VA health facility Find out how to apply for VA health care And you must have one of these free accounts : An Advanced or Premium My HealtheVet account , or A Premium DS Logon account used for eBenefits and milConnect , or that you can create here on VA.gov A verified ID.me account Learn about the 3 different My HealtheVet account types ", "Once I m signed in, how do I get to my medical records? \nGo to your Welcome page dashboard, and click on Health Records. You ll go to a new page. From here , you can choose to access your VA Blue Button report, your VA Health Summary, or your VA Medical Images and Reports. If you d like to add information to your personal health record , click on Track Health in the blue navigation menu at the top of the page. You ll go to a new page where you can choose to record information like your vital signs, health history, goals, and food and exercise efforts.  Will my personal health information be protected? \nYes. This is a secure website. We follow strict security policies and practices to protect your personal health information. If you print or download anything from the website , you ll need to take responsibility for protecting that information. Get tips for protecting your personal health information  What if I have more questions? \nYou can get answers to frequently asked questions about VA Blue Button and related tools within My HealtheVet. Read VA Blue Button FAQs Read VA Health Summary FAQs Read VA Medical Images and Reports FAQs You can also contact the My HealtheVet Help Desk. Find out how to contact us online Or call us at 877 - 327 - 0022 TTY : 800 - 877 - 8339. We re here Monday through Friday , 8:00 a.m. to 8:00 p.m. ET. ", "The Veterans Health Information Exchange \nWhat is the Veterans Health Information Exchange (VHIE), and how can it help me manage my health care? \nThe Veterans Health Information Exchange VHIE program lets us share your health information with participating community care providers and the Department of Defense. For example , when you leave active - duty service, retire, or leave the Reserves and then get health care at VA or a VA - approved community care provider , your health record would electronically follow you. This program is voluntary , and you can choose not to share your information. If you choose not to share your information but change your mind later , you can opt back in to sharing your information at any time. The sharing of health information : Helps your VA and non - VA providers better coordinate your care. Keeps your personal health information more secure. Improves your care by helping your providers make more informed decisions. Ensures your providers have up - to - date information, like your current medications and allergies. Saves you time and money.  Can I opt out of sharing my information? \nYes. You can opt out of sharing by mail or in person.  To opt out by mail \nFill out , sign , and date VA Form 10 - 10164 Opt Out of Sharing Protected Health Information. Download VA Form 10 - 10164 PDF Mail the completed form to the Release of Information ROI office at your nearest VA medical center. Find the address for your nearest VA medical center ", "To opt out in person \nVisit your VA medical center's ROI office. Bring a completed VA Form 10 - 10164 with you, or ask for a copy to fill out in the office. Give your completed, signed form to an office staff member.  Can I change my mind if I want to share my information later? \nYes. If you change your mind and want to share your health information , complete and submit VA Form 10 - 10163 Request for and Permission to Participate in Sharing Protected Health Information. Download VA Form 10 - 10163 PDF Mail or take this form in person to the Release of Information ROI office at your nearest VA medical center. Find the address for your nearest VA medical center  Will my personal health information be protected? \nYes. The Veterans Health Information Exchange uses secure technology to share information between VA and participating community health care providers who treat you. We share information only with community care providers and organizations that have partnership agreements with us and are part of our approved, trusted network.  What if I have more questions? \nCall us toll - free at 844 - 698 - 2311.", "Print out your VA Welcome Kit \nWhether you re just getting out of the service or you ve been a civilian for years now , the VA Welcome Kit can help guide you to the benefits and services you ve earned. Based on where you are in life , your VA benefits and services can support you in different ways. Keep your welcome kit handy so you can turn to it throughout your life like when it s time to go to school, get a job, buy a house, get health care, retire, or make plans for your care as you age.  Download your VA Welcome Kit \nFeel free to share this guide with friends or family members who need help with their benefits too. You can print out copies for yourself and others : Your VA Welcome Kit in black and white PDF Your VA Welcome Kit in color PDF  Download our guides to VA benefits and services \nFor Veterans \nApply for VA health care PDF Get started with mental health services PDF Apply for a disability rating PDF Apply for education benefits PDF  For family members \nGet started with caregiver benefits PDF Apply for survivor benefits PDF  Explore VA.gov to learn about your benefits \nDisabilityFile a claim for disability compensation for conditions related to your military service, and manage your benefits over time. Health careApply for VA health care , find out how to access services, and manage your health and benefits online. Education and trainingApply for and manage your GI Bill and other education benefits to help pay for college and training programs. Housing assistanceFind out if you're eligible for VA home loan programs to help you buy, build, repair, or keep a home. If you have a service - connected disability , see if you qualify for a housing grant to help you live more independently. Careers and employmentApply for vocational rehabilitation services , get support for your Veteran - owned small business , and access other career resources. Life insuranceExplore VA life insurance options for Veterans, service members, and families. Manage your policy online, file claims for benefits, and access helpful resources. PensionApply for monthly payments for wartime Veterans and survivors with limited or no income who meet certain age and disability requirements. Burials and memorialsGet help planning a burial in a VA national cemetery, order a headstone or other memorial item to honor a Veteran's service, and apply for survivor and dependent benefits. RecordsApply for a printed Veteran ID card , get your VA benefit letters and medical records , and learn how to apply for a discharge upgrade. Benefits for spouses, dependents, survivors, and family caregiversLearn about benefits for spouses and dependents of a Veteran or service member , including added support if you're caring for a Veteran with a service - connected disability.", "VA life insurance \nVA life insurance can offer financial security for Veterans, service members, and their spouses and dependent children. Explore your options, manage your policy, and file claims to get the insurance benefits you've earned.  On this page \nGet VA life insurance Manage your policy and benefits More information and resources  Get VA life insurance \nAbout VA insurance options and eligibilityFind out which life insurance plans you may qualify for and the benefits you ll receive with each plan. Benefits for totally disabled or terminally ill policyholdersFind out if you can get your insurance premium waived or receive your benefits early in certain situations. Beneficiary financial counseling and online will preparationIf you're enrolled in a VA life insurance plan, find out if you can get free financial planning and online will preparation services.  Manage your policy and benefits \nAccess your policy onlineFind out how to check your policy's status, update your information, or pay your premium online. Update your beneficiariesKeep the information up to date about who you want to receive your insurance proceeds. This will make it easier for your family members to file a claim in their time of need. File a claim for insurance benefitsFind out how to claim VA life insurance benefits under your policy. Check your appeal statusTrack the status of your life insurance appeal. Convert to a commercial policyFind out when and how you can convert your VA life insurance to a commercial policy. File a TSGLI appeal VA Form SGLV 8600A If you've received a denial letter for Traumatic Injury Protection Life Insurance benefits that instructs you to use this form, file your appeal by the date provided in your letter. Enroll in VGLI Auto PaySign up to pay your Veterans' Group Life Insurance premium automatically from your bank account. Search for unclaimed insurance fundsIf you think we may owe you funds from a VA insurance policy , search our unclaimed funds records by the qualifying Veteran's name. ", "More information and resources \nHow much life insurance do I need? Use our life insurance needs calculator and VGLI comparison questionnaire to help decide how much life insurance you need. Myths and rumors about SGLI / VGLI insuranceGet the facts on common myths, rumors, and misconceptions about SGLI and VGLI insurance. About the SGLI Online Enrollment System SOES Learn about our new online process for enrolling in Servicemembers' Group Life Insurance. Contact usFind out how to reach out to ask a question about your policy or file a claim for benefits. VA life insurance formsFind and download the forms you need to apply for and manage your life insurance benefits. Publications and handbooksDownload life insurance handbooks , guides , and newsletters. Mandatory electronic paymentsLearn about the law requiring us to pay all benefits by electronic funds transfer. Medical conditions that may make you uninsurableFind out which medical conditions may make it hard for you to get private life insurance after you separate from service , and what to do to make sure you have coverage. Special dividend rumorsLearn the truth about the rumors that there are special dividends for Veterans who don't have an active government life insurance policy.  Other VA benefits and services \nBurial benefits and and memorial itemsGet help planning a burial, order a headstone or other memorial item, and apply for survivor and dependent benefits. Pension benefitsFind out if you're eligible for tax - free monthly payments as a wartime Veteran or surviving spouse or child. VA health careFind out how to apply for and manage your VA health care benefits. ", "SGLI Online Enrollment System (SOES) \nLearn about our new online enrollment system for Servicemembers' Group Life Insurance.  Message us \nAsk a question online  Call us \nSupport for SGLI or VGLI:800 - 419 - 1473 All other VA life insurance programs:800 - 669 - 8477 Call MyVA311 for help:844 - 698 - 2311 If you have hearing loss , call TTY : 711.  Veterans Benefits Administration \nGet updates \nVeterans benefits email updates  Follow us \nVeterans Benefits Administration Facebook Veterans Benefits Administration Instagram Veterans Benefits Administration Linkedin Veterans Benefits Administration Twitter Veterans Benefits Administration YouTube", "More information and resources \nHow much life insurance do I need? Use our life insurance needs calculator and VGLI comparison questionnaire to help decide how much life insurance you need. Myths and rumors about SGLI / VGLI insuranceGet the facts on common myths, rumors, and misconceptions about SGLI and VGLI insurance. About the SGLI Online Enrollment System SOES Learn about our new online process for enrolling in Servicemembers' Group Life Insurance. Contact usFind out how to reach out to ask a question about your policy or file a claim for benefits. VA life insurance formsFind and download the forms you need to apply for and manage your life insurance benefits. Publications and handbooksDownload life insurance handbooks , guides , and newsletters. Mandatory electronic paymentsLearn about the law requiring us to pay all benefits by electronic funds transfer. Medical conditions that may make you uninsurableFind out which medical conditions may make it hard for you to get private life insurance after you separate from service , and what to do to make sure you have coverage. Special dividend rumorsLearn the truth about the rumors that there are special dividends for Veterans who don't have an active government life insurance policy.  Other VA benefits and services \nBurial benefits and and memorial itemsGet help planning a burial, order a headstone or other memorial item, and apply for survivor and dependent benefits. Pension benefitsFind out if you're eligible for tax - free monthly payments as a wartime Veteran or surviving spouse or child. VA health careFind out how to apply for and manage your VA health care benefits.", "VA dental care \nIf you qualify for VA dental care benefits , you may be able to get some or all of your dental care through VA . Find out how to get VA dental care or how to buy dental insurance if you don t qualify.  Can I get VA dental care benefits for some or all of my dental care? \nIt depends on a number of factors, like your military service history and your current health and living situation. Based on these factors , VA places you into a benefits class and you get the specific benefits assigned to that class. See the section below for more information.  What VA dental care benefits do I qualify for? \nClick on the statement below that describes you best to find out your benefits class and the dental benefits you may qualify for : You re in : Class I You may qualify for: Any needed dental care You re in : Class IIC You may qualify for: Any needed dental care You re in: Class IV You may qualify for : Any needed dental care * *Please note: If you re being paid at the 100% disabling rate based on a temporary rating for a reason such as a long stay in the hospital or rehab care , that doesn t qualify you for this benefit. You re in: Class IV You may qualify for : Any needed dental care * *Please note: If you re being paid at the 100% disabling rate based on a temporary rating for a reason such as a long stay in the hospital or rehab care , that doesn t qualify you for this benefit. You re in: Class II You may qualify for: One - time dental care if you meet all of the requirements listed below All of these must be true for you : You didn t receive a dishonorable discharge , and You apply for dental care within 180 days of discharge or release , and Your DD214 certificate of discharge doesn t show that you had a complete dental exam and all needed dental treatment before you were discharged * Please note: If you got a dental award letter from VBA dated before 1955 stating that your dental conditions aren t compensable , then you are no longer eligible for Class II outpatient dental treatment. This is because of Public Law 83, which was enacted June 16 , 1955, and which amended Veterans eligibility for outpatient dental services. You re in : Class IIA You may qualify for: Any dental care needed to make sure you have and can keep a functioning dentition a working set of teeth You should know: A Dental Trauma Rating VA Form 10 - 564-D or VA Regional Office Rating Decision letter VA Form 10 - 7131 will tell you the tooth / teeth / condition that are trauma rated. You re in: Class III You may qualify for: Dental care to treat the oral conditions that a VA dental care provider concludes are directly making your service - connected health condition worse You re in: Class V You may qualify for: Dental care that a VA dental care provider concludes is needed to achieve at least one of the goals listed below The dental care must be needed to : Make it possible for you to be in the vocational rehab program , or Make it possible for you to reach the goals of your vocational rehab program , or Prevent you from having to stop your rehab program , or Help you get back to your rehab program faster if you ve had to stop and are in interrupted or leave status , or Help you get back to your rehab program faster if you ve had to stop and are in discontinued status because of an illness, injury, or dental condition , or Make it possible for you to get and adjust to a job during the period of employment assistance , or Make it possible for you to be fully independent in your daily living You re in: Class VI You may qualify for: Dental care to treat the dental issue that a VA dental care provider finds is making the health condition you re being treated for harder to treat You re in: Class IIB You may qualify for: A one - time course of dental care that a VA dental care provider concludes you need to achieve at least one of the goals listed below. The dental care must be needed to : Relieve your pain , or Help you get a job , or Treat your moderate, severe, or complicated and severe gingival and periodontal conditions gum infections that can lead to pain, swelling, and bone and tooth loss if not treated You re in: Inpatient status You may qualify for: Dental services that a VA dental care provider working with your primary care provider concludes you need to manage a health condition a doctor is currently treating you for ", "How do I apply for VA dental care benefits? \nYou can apply online by filling out the 10 - 10EZ health care application. Apply for benefits  Where do I go for VA dental care? \nWe provide dental care to qualified Veterans at over 200 dental clinics across the country, including Alaska and Puerto Rico. Find a VA dental clinic near you  If I can t get VA dental care benefits, can I get help buying dental insurance? \nYou may be able to buy dental insurance at a reduced cost through the VA Dental Insurance Program VADIP if you meet at least one of the requirements listed below. At least one of these must be true. You: Are signed up for VA health careApply now , or Are signed up for our Civilian Health and Medical Program also called CHAMPVA, a health insurance program for dependents of Veterans. Find out if you can sign up for CHAMPVA Learn more about VADIP", "Veterans Mortgage Life Insurance (VMLI) \nVeterans Mortgage Life Insurance VMLI offers mortgage protection insurance to the families of Veterans with severe service - connected disabilities who ve adapted a home to fit their needs. Find out if you qualify and how to apply and manage your coverage.  Am I eligible for Veterans Mortgage Life Insurance? \nYou may be able to get VMLI if you meet all of the requirements listed below. All of these must be true. You: Have a severe disability that we ve concluded was caused or made worse by your service, and Received a Specially Adapted Housing SAH grant to buy, build, or make changes like installing ramps or widening doorways to a home so you can live more independently , and Have the title of the home , and Have a mortgage on the home , and Are under 70 years old Find out if you qualify for an SAH grant and how to apply  Who s covered? \nService members Veterans  What kind of life insurance benefits can I get with VMLI? \nUp to $200,000 in mortgage life insurance paid directly to the bank or other lender that holds your mortgage.  Important details about VMLI: \nThe money will be paid directly to the bank or other lender that holds your mortgage not to a life insurance beneficiary a person chosen to receive the money from a policy when the insured dies. The amount of coverage will equal the amount you still owe on your mortgage, but won t be more than $200,000. VMLI is a decreasing - term insurance. This means your coverage amount goes down as your mortgage balance goes down. If you pay off your mortgage , your VMLI coverage will end. VMLI has no loan or cash value and it doesn t pay dividends cash payments made to policy holders when the company makes a profit. ", "How do I get these benefits? \nFirst , you ll need to apply for an SAH grant. If you get the SAH grant , your loan guaranty agent will tell you if you qualify for VMLI. If you already have an SAH grant , ask your agent about VMLI. Your agent will help you fill out a Veterans Mortgage Life Insurance Statement VA Form 29 - 8636. Download VA Form 29 - 8636 PDF Note: Remember , you must apply for VMLI before your 70th birthday.  How much will I pay for these benefits? \nYour VMLI premium will be based on all of these factors : Your age , and The current balance of your mortgage loan , and How many more mortgage payments you need to make to pay off your mortgage , and The amount of VMLI coverage you need Use our VMLI Premium Calculator to figure out what your premium may be. Go to the VMLI Premium Calculator  What happens if I move, refinance, or make other changes to my mortgage? \nThe home covered by VMLI must be your primary residence the home where you live most of the time. To keep your VMLI coverage , you ll need to let us know if you make any of these changes : Move, or Transfer your mortgage from one lender to another , or Liquidate your mortgage such as giving up the home through foreclosure or bankruptcy liquidation because you can t pay the mortgage , or Refinance your home take out a new mortgage loan under different terms , or Sell your property Send notice of any changes to : Department of Veterans Affairs Regional Office and Insurance Center PO Box 7208 VMLI Philadelphia , PA 19101", "VR&E Self-Employment track \nIf you re a service member or Veteran with a service - connected disability and an employment barrier who has the strong desire, skills, and drive to run a successful business , you may be interested in the Vocational Rehabilitation and Employment VR&E Self - Employment track. Find out if you can get help starting your own business.  Can I get help starting my own business through the VR&E Self-Employment track? \nYou may be eligible for these benefits if you re a service member or Veteran with a service - connected disability , and you meet all of the requirements listed below. All of these must be true : You have an employment barrier or handicap , and You re enrolled in VR&E , and Your service - connected disability makes it hard for you to prepare for, obtain, and maintain suitable employment a job that doesn t make your disability worse, is stable, and matches your abilities, aptitudes, and interests  What kind of benefits can I get through the VR&E Self-Employment track? \nCoordination services and help with developing a proposed business plan Analysis of your business concept Training in small - business operations, marketing, and finances Guidance in getting the right resources to implement your business plan After you develop your business plan , we ll review it and evaluate whether self - employment and the proposed business are viable options.  How do I get these benefits? \nFirst , you ll need to apply for VR&E benefits. Then , you ll work with your Vocational Rehabilitation Counselor VRC. ", "If you have your VA disability rating, follow these steps to apply: \nSign in to your eBenefits account. Click Additional Benefits on your dashboard. Click Vocational Rehabilitation and Employment Program. Apply for the Vocational Rehabilitation and Employment program. If you re eligible , we ll invite you to an orientation session at your nearest VA regional benefit office.  Ready to apply? \nGo to eBenefits to apply Find out how to apply if you haven t yet received a disability rating  Get more information \nWe offer opportunities to get training and practical hands - on work experience at the same time through programs like : The VR&E Special Employer Incentives SEI program for eligible Veterans who face challenges getting a job. Download the SEI program fact sheet PDF The VR&E Non - Paid Work Experience NPWE program for eligible Veterans and service members who have an established career goal and learn easily in a hands - on environment or are having trouble getting a job due to lack of work experience. Download the NPWE program fact sheet PDF Watch this video to learn more about the NPWE program We also offer : VR&E employment coordinators located at our VA regional offices and many of our out - based locations who can help you access the employment services available to you. Find an employment coordinator near you Counselors to help you transition from military to college life. Learn about VetSuccess on Campus Links to more resources outside VA that can help you in your job search. See our list of external resources If you re participating in a VR&E employment program and lost your housing because of a natural or other disaster , you may qualify for 2 more months of the Employment Adjustment Allowance. Contact your VR&E counselor for more information You may also want to consider registering with the Office of Small & Disadvantaged Business Utilization OSDBU to get support for your Veteran - owned small business.", "Eligibility for VA health care \nFind out if you can get VA health care as a Veteran.  Can I get VA health care benefits? \nYou may be able to get VA health care benefits if you served in the active military, naval, or air service and didn t receive a dishonorable discharge. If you enlisted after September 7 , 1980, or entered active duty after October 16 , 1981 , you must have served 24 continuous months or the full period for which you were called to active duty, unless any of the descriptions below are true for you . This minimum duty requirement may not apply if any of these are true. You: Were discharged for a disability that was caused or made worse by your active - duty service , or Were discharged for a hardship or early out , or Served prior to September 7 , 1980 If you re a current or former member of the Reserves or National Guard , you must have been called to active duty by a federal order and completed the full period for which you were called or ordered to active duty. If you had or have active - duty status for training purposes only , you don t qualify for VA health care.  What should I do if I received an other than honorable, bad conduct, or dishonorable discharge? \nIf you ve received one of these discharge statuses , you may not be eligible for VA benefits. There are 2 ways you can try to qualify : Find out how to apply for a discharge upgradeLearn about the VA Character of Discharge review process ", "Is there anything that will make me more likely to get these benefits? \nYes. You may qualify for enhanced eligibility status meaning you ll be placed in a higher priority group, which makes you more likely to get benefits if you meet at least one of the requirements listed below. At least one of these must be true. You: Receive financial compensation payments from VA for a service - connected disability Were discharged for a disability resulting from something that happened to you in the line of duty Were discharged for a disability that got worse in the line of duty Are a recently discharged combat Veteran Get a VA pension Are a former prisoner of war POW Have received a Purple Heart Have received a Medal of Honor Get or qualify for Medicaid benefits Served in Vietnam between January 9 , 1962, and May 7 , 1975 Served in Southwest Asia during the Gulf War between August 2 , 1990, and November 11 , 1998 Served at least 30 days at Camp Lejeune between August 1 , 1953, and December 31 , 1987 If none of the above apply to you , you may still qualify for care based on your income. Learn more about how the amount of money your family makes can affect whether you qualify for VA benefits. Learn more about income limits Llene la solicitud para Beneficions de Salud Forma 10 - 10EZ. Obtenga la Forma VA 10 - 10EZ Usted o alguien con poder legal para representarlo tiene que firmar la forma , e incluir la fecha en que fu firmada. Si esta usando un poder legal , tendra que incluir una copia de la forma con su solicitud. Si firma con una X , 2 personas que usted conoce tienen que tambien firmar acertando que lo vieron firmar la forma. Puede mandar su solicitud por correo a esta direcci n : Health Eligibility Center2957 Clairmont Rd . , Suite 200Atlanta, GA 30329 Para llenar su solicitude en persona, encuetre el Centro M dico de Veteranos mas cercano en esta liga: Encuentre el Centro o Cl nica de Veteranos mas cercano a usted O reciba ayuda por medio del Departmaneto de Veteranos de su estado. Encuentre el Departamento de Veteranos de su estado ", "What if I need help filling out my application? \nYou can get help in any of these ways : Call our toll - free hotline at 877 - 222 - 8387 , Monday through Friday , 8:00 a.m. to 8:00 p.m. ET. Get help from an accredited representative a trained professional trusted to help with VA - related claims. Request a representative Find your state s Veterans agency  More about VA health care eligibility \nWhen you apply for VA health care , you ll be assigned 1 of 8 priority groups. This system helps to make sure that Veterans who need immediate care can get signed up quickly. Your priority group may affect how soon we sign you up for health care benefits. It may also affect how much if anything you ll have to pay toward the cost of your care. Learn more about priority groups No. Whether or not you have other health insurance coverage doesn t affect the VA health care benefits you can get. Learn more about how VA works with other insurance If you re retiring , you re eligible for TRICARE. You may also qualify for certain VA health care benefits. If you re separating from service due to a service - connected illness or injury , you may be eligible for VA health care benefits and certain TRICARE benefits. If you re an OEF / OIF / OND combat Veteran who has just returned from service , you can receive free medical care for any condition related to your service in Iraq or Afghanistan for 5 years after discharge. Learn more about health care benefits for transitioning service members Visit healthcare.gov to find out if you qualify for health insurance. Go to healthcare.gov Yes. Find out how you may still be able to get care for : Posttraumatic stress disorder PTSD Other mental health problems like depression or substance abuse Mental and physical health problems linked to military sexual trauma MST Or , call our general VA hotline at 800 - 827 - 1000, Monday through Friday , 8:00 a.m. to 9:00 p.m. ET to find out what your care options may be. We cover routine eye exams and preventive tests under VA health care benefits. In some cases , you may get coverage for eyeglasses or services for blind or low vision rehabilitation. Learn more about vision care through VA In certain cases , you may receive dental care as part of your VA health benefits. Find out if you can get dental care through VA If you have an illness or injury that was caused or made worse by your active - duty service , you may be able to get disability compensation. Find out if you qualify for disability benefits ", "More eligibility information you may need \nPriority groupsFind out what VA priority groups are, how they work, and how they may affect you. Active - duty service members and VA health careLearn about your health care options after separation or retirement and how to apply for VA health care when you receive your separation or retirement orders. If you're a combat Veteran , apply right away to take advantage of 5 years of enhanced eligibility.", "Veterans Group Life Insurance (VGLI) \nWith 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. Find out if you qualify for VGLI and how to manage your coverage.  Am I eligible for Veterans Group Life Insurance? \nYou may be able to get VGLI if you meet at least one of the requirements listed below. At least one of these must be true. You: Had part - time Servicemembers Group Life Insurance SGLI as a member of the National Guard or Reserves , and you suffered an injury or disability damage to your body or mind that makes it hard for you to do everyday tasks, including meaningful work while on duty including direct traveling to and from duty that disqualified you for standard premium insurance rates , or 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 , or Are within 1 year and 120 days of retiring or being released from the Ready Reserves or National Guard , or Are within 1 year and 120 days of assignment to the Individual Ready Reserves IRR of a branch of service , or to the Inactive National Guard ING. This includes members of the United States Public Health Service Inactive Reserve Corps IRC , or Are within 1 year and 120 days of being put on the Temporary Disability Retirement List TDRL ", "Who s covered? \nVeterans Former service members  What life insurance benefits can I get with VGLI? \n$ 10,000 to $400,000 in life insurance benefits , based on the amount of SGLI coverage you had when you left the military. Note: When you leave the military , you can sign up through VGLI for coverage up to the amount you had through SGLI. You can also increase your coverage by $25,000 every 5 years up to $400,000 until you re 60 years old.  How do I get these benefits? \nYou ll need to apply for VGLI within one year and 120 days of leaving the military. If you sign up within 240 days of leaving the military , you won t need to prove you re in good health. If you sign up after the 240-day period , you ll need to submit evidence that you re in good health. Apply in one of these ways : Apply through the Office of Servicemembers Group Life Insurance OSGLI, using the Prudential website. Apply online through OSGLI Apply online through eBenefits Apply by mail or fax. Fill out the Application for Veterans Group Life Insurance SGLV 8714. Download the Application for Veterans Group Life Insurance PDF Fax the form to 800 - 236 - 6142, or mail it to : OSGLI PO Box 41618 Philadelphia , PA 19176 - 9913 To reinstate a VGLI policy that has expired , you ll need to fill out an Application for Reinstatement of VGLI Coverage SGLV 180. Download SGLV 180 PDF ", "How much will I pay for these benefits? \nVGLI premium rates are based on your age and the amount of insurance coverage you want. Choose your age to find monthly premium rates as of July 1 , 2014. See the VGLI premium rates before July 1 , 2014  Can I choose or update my beneficiaries? \nYes. You can choose your beneficiaries the people you pick to get the money from your life insurance policy if you die and change them as needed. Update your beneficiary information in one of these ways : Access your policy online. Find your policy through Prudential Life Insurance Company of America , or Fill out a VGLI Beneficiary Designation form SGLV 8721. Download SGLV 8721 PDF Fax the form to 800 - 236 - 6142, or mail it to : OSGLI PO Box 41618 Philadelphia , PA 19176 - 9913  Can I convert my VGLI policy into a commercial policy? \nYes. You can convert your policy into a commercial civilian policy at any time. You ll be able to convert at standard premium rates, without having to provide proof that you re in good health. To convert your VGLI policy : Choose your new insurance company. View our list of companies that take part in this program PDF Apply at the local sales office of your chosen company. Get a letter from OSGLI confirming that you have VGLI coverage called a VGLI Conversion Notice and give the letter to the agent who takes your application. Note: The conversion policy must be a permanent policy, such as a whole life policy. You can t convert to other types of policies, like term, variable life, or universal life insurance. And supplementary policy benefits, like Accidental Death and Dismemberment or Waiver of Premium for Disability, aren t considered part of the conversion policy. ", "What if I need help with my claim? \nIf you have questions about Servicemembers or Veterans Group Life Insurance , you can call the Office of Servicemembers Group Life Insurance OSGLI at 800 - 419 - 1473 or email the Prudential Insurance Company.  Which forms would my family member need? \nTo request an advance insurance payment for a service member who s terminally ill , a family member would file a Claim for Accelerated Benefits SGLV 8284. Download SGLV 8284 PDF To receive an insurance payment in their time of need , a family member would file a Claim for Death Benefits SGLV 8283. Download SGLV 8283 PDF", "Your health care costs \nWe'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. Learn more about how we'll determine if you'll need to pay for any part of your care.  Understanding VA health care costs \nCan I get free VA health care as a Veteran? \nYou can get free VA health care for any illness or injury that we determine is related to your military service called \" service connected \". We also provide certain other services for free. These include readjustment counseling and related mental health services, care for issues related to military sexual trauma MST, and a registry health exam to determine if you're at risk of health problems linked to your military service. Find out how to get mental health care Learn more about services for military sexual trauma Explore health issues related to service history View more services we provide at no cost You may qualify for additional free VA health care depending on your income, disability rating, or other special eligibility factors. Keep reading below to learn more.  Will I need to pay for any of my care, tests, or medications? \nYou may need to pay a fixed amount for some types of care, tests, and medications you receive from a VA health care provider or an approved community health care provider to treat conditions not related to your service. This is called a copay short for \" copayment \". 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. For example , if you have a service - connected condition that we've rated at 50% or more disabling or that we've determined makes you unable to work called unemployable , or if you've received a Medal of Honor , we'll assign you to priority group 1 and you won't pay copays for any types of care, tests, or medications. Learn more about priority groups View current copay rates If you haven't applied for VA health care yet , you can review VA health care eligibility requirements or use our Health Benefits Explorer tool to see what your copays may be if you enroll. Learn more about VA health care eligibility requirements Go to the Health Benefits Explorer For more information , watch our Veteran copayments video YouTube. ", "How we assess and verify your income to determine eligibility and copays \nHow does VA determine whether I'll need to pay copays based on my income? \nIf you're not already receiving VA disability compensation or pension payments, or don't have special eligibility factors like receiving the Medal of Honor , we'll ask for information about your income as part of our health care enrollment process. This is called an income assessment or financial assessment formerly known as a means test. We re required by law to collect this information. We use your income information to help determine : If you re eligible for VA health care based on your income , and Whether you ll need to pay copays for certain types of care or medications Learn more about applying for VA health care  Do I have to provide this information? \nIf you qualify for VA health care enhanced eligibility status , you won't need to provide your income information. View the requirements for enhanced eligibility status If you don't qualify for enhanced eligibility status, but you agree to pay copays for your care , you don't have to provide your financial information. But if you don't , we may decline your enrollment. We also won't be able to consider your eligibility for free medications or beneficiary travel pay. Read more about providing financial information if : If you served in combat after the Gulf War or in combat against a hostile force after November 11 , 1998 , you don't have to provide your income to qualify for 5 years of free VA health care for any illness that may be related to your military service. You can still provide your income to help us determine if you re eligible for a higher priority group, beneficiary travel pay, or free care for conditions not related to your service. Learn more about VA health care for returning service members If you were exposed to Agent Orange in or near Vietnam, ionizing radiation in certain service locations or jobs, or environmental contaminants in the Persian Gulf, you don't have to provide your income information to qualify for free care related to your exposure. You can still provide your income to help us determine if you re eligible for a higher priority group, beneficiary travel pay, or free care for conditions not related to your service. Learn more about hazardous exposures ", "What information do I need to provide? \nYou 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. Your gross household income means the total amount of money you and anyone living with you in your home earned within one calendar year, before taxes. This includes your income from work as well as any other sources, like money you may have taken from a retirement fund or income from the sale of a house. If you have a spouse, partner, or dependent child who also contributes income to your family , you ll need to include this income in your application.  Does VA verify the information I provide? \nThis depends on your situation. If the information you provide shows that your income falls below our limits and qualifies you for free VA health care, medications, or both , we re required by law to verify the information. We do this by confirming your information with the Internal Revenue Service IRS and the Social Security Administration SSA. View our current income limits Because of tax deadlines , we usually begin this process in July, the year after you report your income. So , for example , if you provide information for the year 2018 , we ll verify it in July of 2019. If the information we receive from the IRS and the SSA shows that you have income above our limits , we ll send a letter notifying you and your spouse or partner if their income is part of your household income. You ll have the chance to dispute formally express your disagreement with this information. You can also send documents showing you have additional deductible expenses that we should consider. If you don't respond to our letter : After 45 days , we ll send you a reminder letter. After 75 days , we ll assume the information from the IRS and the SSA is correct. We ll send you a letter to explain the changes in your eligibility or copay status. We ll also explain how you can appeal our decision. If you respond by disputing the information in our letter : When we receive your response , we ll assign an income verification case manager to work with you and your representative, if you choose to have one. Your case manager will guide you through the process and help you find any authorized deductions that may reduce your total gross household income below our limits. We try to resolve all cases within 75 days. If our review shows that your income is still above our limits , we ll send you a final letter explaining that you ll need to pay copays for future care as well as for any care you received during the year for which we reviewed your income. We ll also explain how to appeal our decision. ", "Once I m enrolled, do I need to update my income information every year? \nThis depends on your situation : If you completed a financial assessment to find out if you were eligible for cost - free medications or for beneficiary travel pay but not for free VA health care , you ll need to provide updated income information each year. If we determine you re eligible for free VA health care because your household income is below our income limit , you don t have to provide updated income information each year. We ll receive your income information from the IRS and the SSA each year to confirm that you re still eligible for free VA health care. We ll contact you only if this information changes your eligibility or copay requirements. If you disagree with the information , you can keep using VA health care services while we review your situation. Note: Even when not required , we encourage you to report changes in your income. It's also important to let us know about changes to your personal information like your address, phone number, dependents, or other health insurance. You can do this any time by using our Health Benefits Update Form VA Form 10 - 10EZR. Learn how to submit your VA Form 10 - 10EZR", "Health needs and conditions \nAt VA , we offer many services and programs for Veterans with specific needs like women Veterans, Veterans with mental health problems, and elderly or disabled Veterans. We cover the cost of many of these services under the VA health care program. You may be able to get help paying for other services like dental care if you qualify for them as an added benefit. Find out how to access services for your specific needs.  Are there any health concerns I should be aware of based on my service history? \nYes. Certain health concerns may be more likely to affect Veterans who served in a specific time and place. Find out which health concerns you should be aware of depending on when and where you served. Get health information by service dates and locations  How do I find out how to get health services for a specific condition or need? \nMental health and trauma - related needs Mental health problems like bipolar disorder, schizophrenia, and anxiety disorders Military sexual trauma MST Posttraumatic stress disorder PTSD Depression Suicide prevention Substance use problems Conditions of the eyes, ears, and teeth Vision care Hearing loss Dental care Illnesses and injuries Cancers and other conditions caused by contact with hazardous materials HIV/AIDS Kidney disease including dialysis care Multiple sclerosis MS Parkinson s disease Spinal cord injuries and disorders Traumatic brain injury TBI , polytrauma , and amputation Viral hepatitis Other health conditions and needs Assisted living and home health care Infertility due to service - connected conditions Women s health care needs Get an overview of what s covered by VA health care Use our health topics index to find more information ", "Does VA address the specific health needs of LGBT Veterans? \nYes. We re committed to serving the health needs of Veterans with LGBT and related identities and providing care in a sensitive, safe environment at all VA health facilities. For more information , you can download these fact sheets : Transgender male health care PDF Transgender female health care PDF Male Veterans : Gay and bisexual health care PDF Female Veterans : Lesbian and bisexual health care PDF You can also find out more about LGBT programs at VA medical centers across the nation. View VA medical center LGBT program websites Read about our approach to recognizing same - sex marriage  What if I need help understanding my benefits or accessing services? \nIf you want to know more about your VA health care benefits, your health care team, and where you ll go for care , we can help. Learn more about your VA health care coverage If you need help accessing services , call our toll - free hotline at 877 - 222 - 8387, Monday through Friday , 8:00 a.m. to 8:00 p.m. ET.  Can I manage my VA health and benefits online? \nYes. If you re signed up for the VA health care program , you can manage your VA health and benefits online through VA.gov: Refill your prescriptionsSend a message to your VA health care providerCheck the status of a disability or pension claim", "Educational and Career Counseling (VA Chapter 36) \nFind out how to apply for VA Chapter 36 benefits to get free Veteran Educational and Career Counseling services. You may be eligible if you re leaving active service soon, if you ve been discharged within the past year, or if you re the dependent of a Veteran.  Who s eligible for Educational and Career Counseling? \nYou can get these services if one of the following is true. You: Will be discharged from active duty within 6 months , or Separated from active duty not more than one year ago, or Qualify as a Veteran or service member for educational assistance under a VA educational program, or Are currently receiving VA education benefits Note: If you re the dependent of a Veteran , you may also qualify for Educational and Career Counseling. Learn more about employment benefits for dependents  What benefits can I get? \nCounseling to help you decide which civilian or military jobs you want to help you find a training program or job Educational and Career Counseling to help you deal with issues that get in the way of your success in training or employment Academic and adjustment counseling  How do I get these benefits? \nFirst , you ll need to apply for Vocational Rehabilitation and Employment benefits. Then , you ll work with your Vocational Rehabilitation Counselor VRC.  Follow these steps to apply online now \nSign in to your eBenefits account. Select Apply. Click Vocational Rehabilitation and Employment Benefits. Apply for Education and Career Counseling. If you're eligible , we ll invite you to an orientation session at your nearest VA regional benefit office. Go to eBenefits to apply ", "You can also apply by mail \nFill out an Educational / Vocational Counseling Application VA Form 28 - 8832. Download VA Form 28 - 8832 PDF Mail the completed form to your nearest VA regional benefit office. Find your nearest VA regional benefit office If you qualify , we ll invite you to an orientation session at a VA regional benefit office near you.  Get more information \nWatch this video to learn more about VR&E Chapter 36 services Use CareerScope to find careers you might enjoy. Learn more about CareerScope", "VA pension benefits \nVA pension benefits are available to some wartime Veterans and their survivors see if you're eligible to apply.  On this page \nGet VA pension benefits Manage your pension benefits More information and resources  Get VA pension benefits \nEligibility for Veterans PensionSee if you qualify for VA pension benefits as a Veteran. How to apply for a VA pension as a VeteranFind out how to prepare and apply for a VA Veterans Pension. Apply for a Veterans Pension online VA Form 21P-527EZ Complete your application online now. Aid and Attendance benefits and Housebound allowanceIf you need help with daily activities or you're housebound , find out how to apply for extra VA pension benefits. VA Survivors PensionFind out if you re eligible and how to apply for VA pension benefits as a surviving spouse or child of a deceased Veteran with wartime service.  Manage your pension benefits \nCheck your VA claim or appeal statusCheck the status of an open claim for VA disability compensation or pension benefits. If you're a surviving spouse or parent , you can view your Dependency and Indemnity Compensation DIC claim status. View your VA payment historyCheck the status of your VA disability, pension, and education payments. You can also see certain survivor benefits. Change your address on file with VAFind out how to change your address and other contact information in your VA.gov profile. This will update your information across several VA benefits and services. Change your VA direct deposit informationLearn how to change your VA pension benefits direct deposit information online. ", "More information and resources \nVA pension rates for VeteransView VA pension rates for Veterans, including Aid and Attendance and Housebound rates. Rates for VA Survivors Pension benefitsView pension rates for surviving spouses and children. Protected pension ratesView protected pension rates for section 306 and old law VA disability and death pension benefits. VA claim exam C&P exam Find out how to schedule your VA claim exam and what to expect during and after the appointment. Find your VA pension management centerFind your regional pension management center to mail or fax your VA pension application.  Other VA benefits and services \nVA health careFind out how to apply for and manage your VA health care benefits. Disability housing grants for VeteransLearn how to apply for a housing grant as a Veteran or service member with a service - connected disability. Vocational Rehabilitation and EmploymentFind out if you qualify for help exploring employment options, any training you may need, and other voc rehab services. Life insuranceExplore your life insurance options and find out how to apply as a service member, Veteran, or family member.  Get your pension payments electronically \nSign up for direct deposit or a pre - paid debit card.  Message us \nAsk a question online  Call us \nSupport for current pension beneficiaries:877 - 294 - 6380 VA benefits hotline:800 - 827 - 1000 eBenefits technical support:800 - 983 - 0937 Call MyVA311 for help:844 - 698 - 2311 If you have hearing loss , call TTY : 711. ", "More information and resources \nVA pension rates for VeteransView VA pension rates for Veterans, including Aid and Attendance and Housebound rates. Rates for VA Survivors Pension benefitsView pension rates for surviving spouses and children. Protected pension ratesView protected pension rates for section 306 and old law VA disability and death pension benefits. VA claim exam C&P exam Find out how to schedule your VA claim exam and what to expect during and after the appointment. Find your VA pension management centerFind your regional pension management center to mail or fax your VA pension application.  Other VA benefits and services \nVA health careFind out how to apply for and manage your VA health care benefits. Disability housing grants for VeteransLearn how to apply for a housing grant as a Veteran or service member with a service - connected disability. Vocational Rehabilitation and EmploymentFind out if you qualify for help exploring employment options, any training you may need, and other voc rehab services. Life insuranceExplore your life insurance options and find out how to apply as a service member, Veteran, or family member.", "About GI Bill benefits \nGI Bill benefits help you pay for college, graduate school, and training programs. Since 1944 , the GI Bill has helped qualifying Veterans and their family members get money to cover all or some of the costs for school or training. Learn more about GI Bill benefits below and how to apply for them. If you applied for and were awarded Post-9/11 GI Bill education benefits , your GI Bill Statement of Benefits will show you how much of your benefits you ve used and how much you have left to use. View your GI Bill Statement of Benefits. The GI Bill Comparison Tool and Veterans Service Organizations can help you explore options and find out what benefits you can get. Find a Veterans service organization. Use the GI Bill Comparison Tool Apply for education benefits  Post-9/11 GI Bill benefits \nPost-9/11 GI BillIf you need help paying for school or job training and you ve served on active duty after September 10 , 2001, find out if you can get education benefits through the Post-9/11 GI Bill. Transfer your Post-9/11 GI Bill benefits to your spouse and dependentsIf you have unused Post-9/11 GI Bill benefits, find out if you can transfer your benefits to your spouse or dependent children.  Benefit rates and ways you can use your benefits \nRatesLearn more about education benefit rates for tuition and books for qualifying Veterans and their family members. Foreign programsIf you plan to study at a foreign school, find out how you can use VA benefits to cover your tuition and fees. Undergraduate and graduate degrees from institutions of higher learningIf you re looking to earn an undergraduate or graduate degree, find out if you can get VA benefits to help pay for courses. ", "Other GI Bill programs you may qualify for \nMontgomery GI Bill Active Duty MGIB - AD If you served at least 2 years on active duty , find out if you qualify for benefits under the Montgomery GI Bill Active Duty program. Montgomery GI Bill Selected Reserve MGIB - SR If you re a member of the Army, Navy, Air Force, Marine Corps or Coast Guard Reserve, Army National Guard, or Air National Guard, find out if you qualify for education benefits under the Montgomery GI Bill Selected Reserve program. Survivors and dependents assistanceIf you re a dependent spouse or child of a Veteran , find out if you qualify for education benefits or job training.  More GI Bill benefits and information \nYellow Ribbon ProgramFind out if your school participates in the Yellow Ribbon Program, which can help pay tuition costs that the Post-9/11 GI Bill doesn t cover. Tuition Assistance Top - UpIf your college tuition costs more than what s covered by the Tuition Assistance program, find out if you can get more money to cover tuition costs. $ 600 Buy - Up programFind out how you can get more money each month through your GI Bill monthly payments. Tutorial assistanceIf you re using VA educational benefits and you're struggling with the coursework, find out if you can get help paying for a tutor. GI Bill School Feedback ToolIf you have any concerns about your GI Bill school , you can submit them to us through our GI Bill School Feedback Tool. Find out how to submit feedback about your school. Opt out of sharing VA education benefits informationThe Harry W. Colmery Veterans Educational Assistance Act also called the Forever GI Bill requires us to share certain information about your eligibility and benefits with schools, unless you ask us not to. Find out how to opt out of information sharing.", "Exposure to hazardous chemicals and materials \nFind out if you can get disability compensation monthly payments and other benefits for illnesses or other conditions, like the ones listed below. These are illnesses and conditions we believe may be caused by contact with harmful chemicals or other hazardous materials while serving in the military.  Medical care for volunteers involved in chemical and biological testing \nAs many as 60,000 Veterans volunteered for medical research for the U.S. biological and chemical programs between 1942 and 1975. You can get medical care through the U.S. Army if you volunteered for this research and have an injury or illness directly caused by your participation. If you have questions or need help getting medical care : Visit the U.S. Army web page , or Call 800 - 984 - 8523 Agent OrangeIf you served in the Republic of Vietnam or in or near the Korean Demilitarized Zone DMZ during the Vietnam Era or in certain related jobs you may have had contact with Agent Orange, an herbicide used to clear plants and trees during the war. AsbestosIf you worked in certain military jobs , you may have had contact with asbestos toxic fibers once used in many buildings and products. Birth defects like spina bifidaIf you served in the Republic of Vietnam, in Thailand, or in or near the DMZ during the Vietnam Era and your child has spina bifida or certain other birth defects your child may be eligible for disability benefits. Contact with mustard gas or lewisiteIf you served at the German bombing of Bari, Italy, in World War II or worked in certain other jobs , you may have had contact with mustard gas. Contaminated drinking water at Camp LejeuneIf you served at Camp Lejeune or MCAS New River between August 1953 and December 1987 , you may be at risk for certain illnesses believed to be caused by contaminants found in the drinking water during that time. Gulf War IllnessIf you served in the Southwest Asia theater of operations , you may be at risk of certain illnesses or other conditions linked to this region. Gulf War Illness in AfghanistanIf you served in Afghanistan , you may be at risk of certain illnesses or other conditions linked to this region. Project 112/SHADIf you were part warfare testing for Projects 112 or Shipboard Hazard and Defense SHAD from 1962 to 1974 , you may be at risk of illnesses believed to be caused by chemical testing. Radiation exposureIf you served in the post - WWII occupation of Hiroshima or Nagasaki, were imprisoned in Japan, worked with or near nuclear weapons testing, or served at a gaseous diffusion plant or in certain other jobs, you may be at risk for illnesses believed to be caused by radiation. Specific environmental hazardsIf you served in Iraq, Afghanistan, Djibouti, or near Atsugi, Japan, you may have had contact with toxic chemicals in the air, water, or soil.", "Request a Board Appeal \nCan I request a Board Appeal? \nYou can request a Board Appeal after an initial claim, Supplemental Claim, or Higher - Level Review decision. You can t request two Board Appeals in a row.  Can I add new evidence? \nYou have the option to add new evidence for a judge to review. You ll have to submit this evidence within 90 days from the date VA receives your Board Appeal form. This option will take longer.  Can I request a hearing? \nYou have the option to request a hearing with a judge. A video conference hearing will take place at a VA location near you. This option will take longer.  What happens at a hearing? \nYou and the judge will have a conversation. The judge will listen to your testimony and may ask you a few questions. Your representative , if you have one , may help you at the hearing. The hearing will be transcribed and added to your appeal file. You can add new and relevant evidence within 90 days after the hearing , but it isn t required.  How do I request a Board Appeal? \nTo request a Board Appeal , fill out the Decision Review Request: Board Appeal VA Form 10182. Download VA Form 10182 PDF  Choose one of 3 options to appeal to a Veterans Law Judge \nDirect ReviewIf you want a Veterans Law Judge to review your case as quickly as possible, choose a Direct Review. Evidence SubmissionIf you have additional evidence for a Veterans Law Judge to review, choose Evidence Submission. Hearing RequestIf you want a video conference hearing with a Veterans Law Judge at a nearby VA location , choose a Hearing Request. At your hearing , you and a Veterans Law Judge will have a conversation , and they ll ask you questions about your appeal. Your hearing will be transcribed and added to your appeal file. Learn more about hearings and how to request one ", "List the issue(s) you want to appeal in Part III \nYou can include all or just some of the issues VA decided. You ll need to list the issue you disagree with and the VA decision date for each.  Apply \nFill out the Decision Review Request: Board Appeal VA Form 10182. Download VA Form 10182 PDF By mail Send the completed form to this address : Board of Veterans AppealsPO Box 27063Washington , D.C. 20038 In person Bring your completed form to a regional benefit office. Find a regional benefit office near you By fax Fax your completed form to 844 - 678 - 8979. You can also ask a regional benefit office for a copy of this form to fill out. Or you can call the VA toll - free hotline at 800 - 827 - 1000, Monday through Friday , 8:00 a.m. - 9:00 p.m. ET , to request a form.  Mark your calendar \nYou have 1 year from the date on your decision to request a Board Appeal. If you re one of multiple people claiming the same benefit this is rare , you have 60 days.  After a Board decision \nIf you disagree with the Board s decision and have new and relevant evidence that supports your case , you can file a Supplemental Claim. You can also appeal to the U.S. Court of Appeals for Veterans Claims. Learn more about your options after a Board decision ", "What happens next? \nFind out what happens after you request a decision review You don t need to do anything while you wait unless VA sends you a letter asking for more information. If VA schedules exams for you , be sure not to miss them. Track the status of your appeal  What if I need help? \nA Veterans Service Organization or VA - accredited attorney or agent can help you request a decision review. Get help requesting a decision review  What if I have more questions? \nGet answers to frequently asked questions about decision reviews. Go to FAQs", "Post-9/11 GI Bill (Chapter 33) \nThe Post-9/11 GI Bill Chapter 33 helps you pay for school or job training. If you ve served on active duty after September 10 , 2001 , you may qualify for the Post-9/11 GI Bill Chapter 33. Find out if you can get this education benefit.  Am I eligible for Post-9/11 GI Bill (Chapter 33) benefits? \nYou can get these education benefits if you meet at least one of the requirements listed below. At least one of these must be true. You: Served at least 90 days on active duty either all at once or with breaks in service on or after September 11 , 2001, or Received a Purple Heart on or after September 11 , 2001, and were honorably discharged after any amount of service , or Served for at least 30 continuous days all at once, without a break in service on or after September 11 , 2001 , and were honorably discharged with a service - connected disability, or Are a dependent child using benefits transferred by a qualifying Veteran or service member Note: If you re a member of the Reserves who lost education benefits when the Reserve Educational Assistance Program REAP ended in November 2015 , you may qualify to receive restored benefits under the Post-9/11 GI Bill.  What if I qualify for other VA education benefits too? \nYou ll have to pick which benefit you d like to use. This is an irrevocable decision, meaning you can t change your mind. ", "What benefits can I get through the Post-9/11 GI Bill (Chapter 33)? \nYou can receive up to 36 months of benefits, including : Tuition and fees. If you qualify for the maximum benefit , we ll cover the full cost of public, in - state tuition and fees. We cap the rates for private and foreign schools, and update those rates each year. View current rates Money for housing if you re in school more than half time. We ll base your monthly housing allowance on the cost of living where your school is located. Money for books and supplies. You can receive up to $1,000 per school year. Money to help you move from a rural area to go to school. You may qualify for this one - time payment of $500 if you live in a county with 6 or fewer people per square mile and you re either moving at least 500 miles to go to school or have no other option but to fly by plane to get to your school. Here s how we ll determine how much of the benefit you ll qualify for : The specific amount you ll receive will depend on how much active service you ve had since September 10 , 2001. We ll calculate this amount based on a percentage of the maximum benefit. For example : If you had 90 days of active service since September 10 , 2001 , you would qualify for 40% of the maximum amount. If you served for 3 years , you would qualify for 100% of the benefit. So if your school charges $22,000 for in - state tuition and fees , you would receive $8,800 if you had 90 days of active service and the full $22,000 if you had 3 years of active service. Note that this will change August 1 , 2020. In this example , 90 days of active service would qualify you for 50% of the maximum amount as of August 1 , 2020. ", "Do these benefits expire? \nThis depends on when you were discharged from active duty. If your service ended before January 1 , 2013 , your Post-9/11 GI Bill Chapter 33 benefits will expire 15 years after your last separation date from active service. You must use all of your benefits by that time or you ll lose whatever s left. If your service ended on or after January 1 , 2013 , your benefits won t expire thanks to a new law called the Forever GI Bill - Harry W. Colmery Veterans Educational Assistance Act. Some letters you receive from us may not yet reflect this change. Thank you for your patience as we work to update our systems. Learn more about this new law  How do I get these benefits? \nYou ll need to apply. Apply for education benefits The benefit amount depends on which school you go to, how much active - duty service you ve had since September 10 , 2001, and how many credits or training hours you re taking.  How do I know how much of my Post-9/11 GI Bill benefits are left? \nIf you already applied for and were awarded Post-9/11 GI Bill education benefits , your GI Bill Statement of Benefits will show you how much of your benefits you ve used and how much you have left to use. View your GI Bill Statement of Benefits  Can my family members or I get any additional benefits through the Post-9/11 GI Bill (Chapter 33)? \nYou may qualify for these additional benefits : If you need more money to cover higher private - school or out - of - state tuition , you can apply for the Yellow Ribbon Program. Learn about the Yellow Ribbon Program If you re a qualified service member , you can transfer all 36 months or a portion of your Post-9/11 GI Bill benefits to a spouse or child. The Department of Defense approves a transfer of benefits. Learn about transferring Post-9/11 GI Bill benefits If you re the child or surviving spouse of a service member who died in the line of duty after September 10 , 2001 , you may qualify for the Marine Gunnery Sergeant John David Fry Scholarship Fry Scholarship. Learn more about the Fry Scholarship ", "How can I use my Post-9/11 GI Bill (Chapter 33) benefits? \nYou can use your GI Bill benefits in many ways to advance your education and training. Work toward a degree : Undergraduate and graduate degrees Tuition Assistance Top - Up Tutorial assistance Train for a specific career, trade, or industry : Vocational / technical training and non - college degree programs On - the - job training and apprenticeships Entrepreneurship training Flight training Test fees Work while you study : Co - op training Work study Take classes from home : Correspondence training Independent and distance learning  What is the Location-Based Housing Allowance (Section 107)? \nWhat is Section 107 Location - Based Housing Allowance? Previously , GI Bill beneficiaries were paid Monthly Housing Allowance MHA based on the main or branch campus of the school they were enrolled. If a student attended classes at more than one location , they were paid the rate that was most advantageous. Now , MHA is based on the campus location where the student physically attends the majority of their classes. VA s campus definitions : Main campus : A location where the of an educational institution are located. Branch campus : A location of an educational institution that is from and of the main campus of the educational institution. Extension campus : A location that is from the main or branch campus but is on that campus for the performance of administrative tasks. ", "Get more information \nCompare benefits by school. Use the GI Bill Comparison Tool See the current payment rates for the Post-9/11 GI Bill Read the Post-9/11 GI Bill pamphlet PDF See Frequently Asked Questions FAQ GI Bill is a registered trademark of the United States Department of Veterans Affairs VA. The absence of the registration symbol does not constitute a waiver of VA s trademark rights in that phrase. Read our Terms of Use", "VA Agent Orange Registry exam \nIf you think you had contact with Agent Orange, an herbicide used to clear trees and plants during the Vietnam War, or other herbicides while serving in the military , you can request a VA Agent Orange Registry health exam. Even if you don t have a known illness , the exam could alert you to illnesses that may be related to contact with herbicides. By being part of this registry , you re also helping your fellow Veterans by giving us information so we can better understand and serve those affected by Agent Orange related illnesses.  Can I get an Agent Orange Registry health exam? \nYou can get an Agent Orange Registry health exam if you served in any of the ways listed below. You must have served in one of these ways : In Vietnam between 1962 and 1975 for any length of time, including in the inland waterways Brown Water Navy and within the 12-mile territorial seas Blue Water Navy, or In Korea in a unit in or near the Demilitarized Zone DMZ anytime between April 1 , 1968, and August 31 , 1971, or In Thailand U.S. Air Force Veterans on Royal Thai Air Force RTAF bases near U - Tapao, Ubon, Nakhon Phanom, Udorn, Takhli, Korat, and Don Muang near the air base perimeter anytime between February 28 , 1961, and May 7 , 1975, or In Thailand U.S. Army Veterans as perimeter security personnel on RTAF bases in Thailand anytime between February 28 , 1961, and May 7 , 1975, or In Thailand U.S. Army Veterans on some small Army installations in Thailand anytime between February 28 , 1961, and May 7 , 1975 if you were a member of a military police MP unit or assigned a job with duty placing you at or near the base perimeter , or In other locations , but you had contact with herbicides during a military operation or while testing, transporting, or spraying herbicides for military purposes Learn about herbicide tests and storage outside Vietnam ", "Who s covered? \nVeterans  How do I get these benefits? \nTo schedule your exam , contact your local VA environmental health coordinator. If you qualify , you won t have to pay anything for this exam. It s free for qualified Veterans. Find a VA environmental health coordinator near you  What should I expect at the exam? \nThe exam will include : Your history of contact with Agent Orange and other herbicides Your health history including any major illnesses or surgeries you may have had A physical exam that may be needed like blood tests, X - rays, or other imaging tests Medical tests A VA health care provider will go over your exam and test results with you. You ll also get a letter with the details of your results.  What else should I know about the exam? \nYou should know that : This exam isn t a VA claim exam also known as a compensation and pension, or C&P, exam. And you don t need to have this exam to get other VA benefits. To get disability benefits , you ll need to file a claim. Find out how to file a claim for disability compensation You don t need to sign up for the VA health care system to get a registry exam. The exam is based on your memory of service, not on your military records. The exam will not confirm if you had contact with Agent Orange. You can get another free registry exam if you have a new illness in the future. Your family members can t get an Agent Orange Registry health exam. The exam is only for qualified Veterans. ", "How do I make an appointment for an Agent Orange Registry health exam? \nContact your local VA environmental health coordinator  Get more information \nLearn more about the Agent Orange Registry health exam", "CHAMPVA benefits \nAre you the spouse or surviving spouse of or a child of a Veteran with disabilities or a Veteran who has died? If you don t qualify for TRICARE the Department of Defense s health care program for active - duty and retired service members and their families , 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. This is called cost sharing. Find out if you qualify for CHAMPVA and how to apply.  Can I get health care through CHAMPVA? \nYou can only get health care through CHAMPVA if you don t qualify for TRICARE and at least one of the descriptions below is true for you. At least one of these must be true. You re: 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 , or The surviving spouse or child of a Veteran who died from a VA - rated service - connected disability , or The surviving spouse or child of a Veteran who was at the time of death rated permanently and totally disabled from a service - connected disability , or The surviving spouse or child of a service member who died in the line of duty , not due to misconduct in most of these cases, family members qualify for TRICARE, not CHAMPVA. A service - connected disability is a disability that we ve concluded was caused or made worse by the Veteran s active - duty service. A permanent disability is one that s not expected to improve. Note: A Veteran who s the qualifying CHAMPVA sponsor for their family may also qualify for the VA health care program based on their own Veteran status. If 2 spouses are both Veterans who qualify as CHAMPVA sponsors for their family , they both may now qualify for CHAMPVA benefits. Each time they need medical care , they may choose to get care through the VA health care program or using their CHAMPVA coverage. ", "What else might affect whether I can get CHAMPVA benefits for myself or a family member? \nThere are other factors that may affect whether you or other family members qualify for CHAMPVA. Please click on the description that matches your status to learn more : If you re expecting a baby , you ll need to take the 2 steps listed below before you can apply for CHAMPVA for your newborn. You ll need to : Get a Social Security number for your baby by applying at the nearest Social Security Administration office , and Set up the baby s status as a dependent of the Veteran sponsor by contacting your nearest VA regional benefit office. Medical claims can t be paid until you sign your baby up under CHAMPVA, so please get them a Social Security number and set their status as a dependent as soon as possible. Find a Social Security office near youFind a VA regional benefit office near you If you re the surviving spouse of a qualifying CHAMPVA sponsor and you remarry before age 55 , you no longer qualify for CHAMPVA as of midnight on the date of your remarriage. If you remarry on or after your 55th birthday , you can keep your CHAMPVA benefits. If you re the surviving spouse of a qualifying CHAMPVA sponsor and you remarry , but the remarriage ends by death, divorce, or annulment, you may qualify again for CHAMPVA. The first date that you qualify again is the first day of the month after your remarriage ends or December 1 , 1999 whichever date is later. You ll need to provide us with copies of your marriage certificate and death, divorce, or annulment documents as appropriate. If you re covered under CHAMPVA and you turn 18 years old , you ll need to send us proof that you re enrolled full time in college or another educational institution to keep getting benefits. Download our fact sheet on school enrollment certification requirements for CHAMPVA benefits PDF If you were covered under CHAMPVA as the stepchild of a Veteran, and you leave the Veteran s household because of a divorce or remarriage , you no longer qualify for CHAMPVA. If you re a family member caring for a Veteran with disabilities, and you re not entitled to care or services through another health plan , you may qualify for CHAMPVA. Download a fact sheet on CHAMPVA for primary family caregivers PDF Get more information about CHAMPVA for primary family caregivers If the Veteran you re caring for was seriously injured in the line of duty on or after September 11 , 2001 , you may qualify for health care benefits and other caregiver support through the Program of Comprehensive Assistance to Family Caregivers. Find out if you qualify for this program and how to apply CHAMPVA is always the second payer to Medicare. Here are some requirements you need to know : If you re under 65 years old , you re eligible for CHAMPVA if you meet both of the requirements below . Both of these must be true. You: Have both Medicare Parts A and B , and Are otherwise eligible for CHAMPVA If you re 65 years old or older , you re eligible for CHAMPVA if you re eligible for Medicare. If you turned 65 before June 5 , 2001, and you re entitled to either Medicare Part A or B , you ll also need to enroll in Medicare Part B to be eligible for CHAMPVA. Note: You don t need to enroll in Medicare Part D to qualify for CHAMPVA. Download a fact sheet on Medicare and CHAMPVA PDF ", "What benefits do I get with CHAMPVA? \nWith CHAMPVA , you ll be covered for services and supplies when we determine they are medically necessary and were received from an authorized provider. When providers are performing services within the scope of their license or certification , we consider them to be authorized. Covered services include : Ambulance service Ambulatory surgery Durable medical equipment DME Family planning and maternity Hospice Inpatient services Mental health services Outpatient services Pharmacy prescription medicines Skilled nursing care Transplants When you re signed up for CHAMPVA , you ll get a copy of the CHAMPVA Program Guide. This guide will tell you more about covered and non - covered services and supplies. Download the CHAMPVA Program Guide PDF See a complete list of non - covered services and supplies in the CHAMPVA Policy Manual Download fact sheets on CHAMPVA benefits  How do I get CHAMPVA benefits? \nYou ll need to apply for these benefits. To apply , submit these required documents : Application for CHAMPVA Benefits VA Form 10 - 10d PDF , and Other Health Insurance Certification VA Form 10 - 7959c , and Documents related to your Medicare status : If you qualify for Medicare for any reason , you ll need to submit a copy of your Medicare card. If you re 65 years old or older and don t qualify for Medicare , you ll need to send us documentation from the Social Security Administration that confirms you don t qualify for Medicare benefits under anyone s Social Security number. To speed up the processing of your application , you can also send copies originals of these optional documents : The page from the VBA rating decision showing your Veteran is permanently and totally disabled or the death rating if you re a survivor Your Veteran s DD214 Certificate of Release or Discharge from Active Duty or , if the Veteran was a World War II or Korean War Veteran, the Report of Separation. If you don t have a copy of the necessary form , you can request it by submitting a Standard Form 180, Request Pertaining to Military Records, from the National Archives. Find out how to request military service records online, by mail, or by fax Documents related to any dependent children you re including in your application : A copy of each child s birth certificate or adoption papers School certification of full - time enrollment for children ages 18 - 23. Download our fact sheet on school enrollment certification requirements PDF If you re a surviving spouse who remarried but is once again single , also send a copy of the legal document that ended your marriage. This may be a divorce decree, death certificate, or annulment decree. Be sure to sign and date your application. If your Veteran is applying for you as a spouse , be sure to also include the date of the marriage on the application. Mail your application to : VHA Office of Community CareCHAMPVA EligibilityPO Box 469028Denver , CO 80246 - 9028 Or fax it to : 303 - 331 - 7809 ", "What happens after I apply? \nOnce we get your application , we ll review it to be sure it s complete and includes all required forms. If it s not complete , we ll return it to you with more instructions. Download application instructions PDF  How long will it take to hear back about my application? \nIf you send us all required and optional documents if your application is complete and it ll take about 6 weeks after we get your package until you get your CHAMPVA ID card and related materials. If you send us only the required documents , it may take 2 to 8 months since we ll need to confirm your information with other federal agencies.  Get more information \nGet answers to frequently asked questions about CHAMPVAFind out how to file a CHAMPVA claimFind out if you can get care at a local VA medical center when you re covered under CHAMPVA", "VA education benefits for survivors and dependents \nFind out if you re eligible for VA education benefits for dependents and survivors also called Chapter 35 benefits. If you re a dependent spouse or child or the surviving spouse or child of a Veteran , you may qualify for Chapter 35 benefits or job training through a GI Bill program.  Am I eligible for education benefits? \nYou may qualify for VA education benefits Chapter 35 benefits if you re the child or spouse of a service member and one of the below descriptions is true of the service member. One of these must be true. The service member : Died in the line of duty after September 10 , 2001 , or Is missing in action or was captured in the line of duty by a hostile force , or Was detained held by force while in the line of duty by a foreign government or power , or Is in the hospital or getting outpatient treatment for a service - connected permanent and total disability , and is likely to be discharged for that disability. A service - connected permanent and total disability is a disability resulting from your service that doesn t go away. You may qualify for VA education benefits Chapter 35 benefits if you re the child or spouse of a Veteran and one of the below descriptions is true of the Veteran. One of these must be true. The Veteran : Is permanently and totally disabled due to a service - connected disability , or Died while on active duty or as a result of a service - connected disability If you re a dependent who doesn t meet the above criteria , you may still qualify for VA education benefits if the Veteran or service member transferred some or all of their Post-9/11 GI Bill entitlement to you while they were on active duty. Learn about transferred benefits ", "What benefits can I get? \nEducation and training Money for tuition Money for housing Money for books and supplies  How do I get these benefits? \nYou ll need to apply. Apply for VA education benefits Chapter 35 benefits. There are 2 main GI Bill programs offering educational assistance to survivors and dependents of Veterans : The Marine Gunnery Sergeant John David Fry Scholarship Fry Scholarship is for children and spouses of service members who died in the line of duty after September 10 , 2001. Get more information about the Fry Scholarship The Survivors and Dependents Educational Assistance DEA program offers education and training to qualified dependents of Veterans who are permanently and totally disabled because of a service - related condition or who died while on active duty or as a result of a service - related condition. Get more information about the DEA program Note: You may qualify for both the Fry Scholarship and the DEA program , but you can use only one of them. You ll have to pick one when you apply. Once you ve made this decision , you can t switch to the other program.", "VA health care and other insurance \nIf you have other forms of health care coverage like a private insurance plan, Medicare, Medicaid, or TRICARE , you can use VA health care benefits along with these plans. Learn more about how VA works with other health insurance.  Why does VA require me to provide information on my health insurance coverage (including coverage under a spouse s plan)? \nWe ask for this information because we have to bill your private health insurance provider for any care, supplies, or medicine we provide to treat your non - service - connected conditions illnesses or injuries that aren t related to your military service. We don t bill Medicare or Medicaid , but we may bill Medicare supplemental health insurance for covered services.  What if my health insurance provider doesn t cover all the non-service-connected care that VA bills them for? \nYou won t have to pay any unpaid balance not covered by your health insurance provider. But , depending on your assigned priority group , you may have a copay for non - service - connected care. Learn more about eligibility priority groups  Does it help me in any way to give VA my health insurance information? \nYes. Giving us your health insurance information helps you because : When your private health insurance provider pays us for your non - service - connected care , we may be able to use the funds to offset part or all of your VA copayment. Your private insurer may apply your VA health care charges toward your annual deductible the amount of money you pay toward your care each year before your insurance starts paying for care. ", "Does my current health insurance status affect whether I can get VA health care benefits? \nNo. Whether or not you have health insurance coverage doesn t affect the VA health care benefits you can get.  If I m signed up for the VA health care program, does that mean I meet the requirements to have health care under the Affordable Care Act (ACA)? \nYes. Being signed up for VA health care meets your Affordable Care Act health coverage requirement of having minimum essential health coverage. You don t need any other insurance to meet this requirement. We ll update this site if the ACA changes with new laws. Learn more about the ACA, VA, and you Note: It s always a good idea to let your VA doctor know if you re receiving care outside VA. This helps your provider coordinate your care to help keep you safe and make sure you re getting care that s proven to work and that meets your specific needs.  More about how VA health care works with Medicare and other insurance \nThis is your decision. You can save money if you drop your private health insurance , but there are risks. We encourage you to keep your insurance because : We don t normally provide care for Veterans family members. So , if you drop your private insurance plan , your family may not have health coverage. We don t know if Congress will provide enough funding in future years for us to care for all Veterans who are signed up for VA health care. If you re in one of the lower priority groups , you could lose your VA health care benefits in the future. If you don t keep your private insurance , this would leave you without health coverage. If you have Medicare Part B coverage for doctors and outpatient services and you cancel it , you won t be able to get it back until January of the following year. You may also have to pay a penalty to get your coverage back called reinstating your coverage. Yes. We encourage you to sign up for Medicare as soon as you can. This is because : We don t know if Congress will provide enough funding in future years for us to provide care for all Veterans who are signed up for VA health care. If you re in one of the lower priority groups , you could lose your VA health care benefits in the future. Having Medicare means you re covered if you need to go to a non - VA hospital or doctor so you have more options to choose from. If you delay signing up for Medicare Part B coverage for doctors and outpatient services and then need to sign up later because you lose your VA health care benefits or need more choice in care options , you ll pay a penalty. This penalty gets bigger each year you delay signing up and you ll pay it every year for the rest of your life. If you sign up for Medicare Part D coverage for prescription drugs , you ll be able to use it to get medicine from non - VA doctors and fill your prescriptions at your local pharmacy instead of through the VA mail - order service. There s no penalty for delaying Medicare Part D. You ll need to choose which benefits to use each time you receive care. To use VA benefits , you ll need to get care at a VA medical center or other VA location. We ll also cover your care if we pre - authorize you meaning we give you permission ahead of time to get services in a non - VA hospital or other care setting. Keep in mind that you may need to pay a VA copayment for non - service - connected care. If you go to a non - VA or VA authorized care facility , Medicare may pay for other services you may need during your stay. Or , if we only authorize some services in a non - VA location , then Medicare may pay for other services you may need during your stay. Check your Medicare plan , so you know which care locations and services you re covered for. Learn more about Medicare Yes. We may bill and accept reimbursement from High Deductible Health Plans HDHPs for medical care and services to treat your non - service - connected conditions. If you have an HDHP linked to an HSA , you can use your HSA to pay your VA copayments for non - service - connected care. We may also accept reimbursement from HRAs for care we provide to treat your non - service - connected conditions. No. As a result of the VA MISSION Act of 2018, we no longer need permission to bill health insurance providers for care related to a sensitive diagnosis (like alcohol or drug abuse, alcoholism, HIV or HIV testing, sickle cell anemia, or other diagnoses included in Public Law 38 U.S.C. 7332-protected information). Before submitting any claims for care related to a sensitive diagnosis , we notified Veterans of this change by sending a one - time notice to all Veterans who had signed a release of information refusing to allow us to bill for care related to a sensitive diagnosis in the past. The Federal Register also published this change. Read the notice on the Federal Register website We re now submitting claims to health insurance carriers for all non - service - connected care, even if we don t have a signature or written authorization permitting us to disclose protected information on these claims or in Veterans medical records. We re required by law to bill your health insurance including your spouse s insurance if you re covered under the policy. The money collected goes back to VA medical centers to support health care costs provided to all Veterans. You can submit a restriction request asking us not to disclose your health information for billing purposes , but we re not required to grant your request. To submit a restriction request , please contact your nearest VA health facility and ask to talk with the privacy officer. You can also ask to talk with the billing office for more information. Find your nearest VA health facility", "Family Servicemembers Group Life Insurance (FSGLI) \nFamily SGLI, also known as Family Servicemembers Group Life Insurance FSGLI, offers coverage for the spouse and dependent children of service members covered under full - time SGLI. Find out how much coverage you may qualify for and how to apply for and manage your benefits.  Am I eligible for FSGLI? \nYou may be able to get FSGLI if you re the spouse or dependent child of a service member who meets one of the requirements listed below. One of these must be true. The service member is : On active duty and covered by full - time SGLI , or A member of the National Guard or Ready Reserve covered by full - time SGLI You may qualify to get FSGLI as the spouse of someone with SGLI coverage no matter if your own status is active duty, retired, or civilian.  Who s covered? \nSpouses of service members covered under SGLI Dependent children of service members covered under SGLI  How much coverage can I get with Family Servicemembers Group Life Insurance? \nUp to a maximum of $100,000 of coverage for you as a spouse , not to exceed your service member s SGLI coverage , and $10,000 for each dependent child. Dependent children get free coverage.  How do I get these benefits? \nIf you re the civilian spouse of a service member signed up for full-time SGLI \nWe ll automatically insure you under FSGLI. In this case , we ll automatically take your premium out of your service member s pay. ", "If you re a military spouse and you were married on or after January 2, 2013 \nWe won t automatically cover you. You ll need to sign up through your service member. If your service member is a member of the Army, Navy, Air Force, Marines, Coast Guard, or National Oceanic and Atmospheric Administration , have them sign you up online through the SGLI Online Enrollment System SOES. To access SOES , have your service member : Go to milConnect Sign in. Go to Benefits, Life Insurance SOES- SGLI Online Enrollment System to sign up. Your service member can log in with their CAC or DS Logon using Internet Explorer as soon as they receive notice that they can start using SOES. If your service member is part of the Public Health Service , you ll need to fill out the Spouse Coverage Election and Certificate SGLV 8286A and have them turn it in to their unit s personnel officer. Download the Spouse Coverage Election and Certificate PDF  How much will my service member pay for spousal coverage and how do the premium payments work? \nYour service member will pay a premium for your coverage, which will increase as you age. Choose your age below to view current spousal coverage monthly premium rates based on the amount of insurance coverage you want. If you re signed up as a spouse in the Defense Enrollment Eligibility Reporting System DEERS , we ll automatically deduct the FSGLI premium from your service member s pay. If you aren t signed up in DEERS , your service member will still be responsible for premiums and back payments of unpaid premiums. ", "Can my service member make changes to my coverage? \nYes. If you have spousal coverage and you want to reduce, turn down, or cancel it : If your service member is a member of the Army, Navy, Air Force, Marines, Coast Guard, or National Oceanic and Atmospheric Administration , have your service member submit your changes online through the SGLI Online Enrollment System SOES. To access SOES , have your service member : Go to milConnect Sign in. Go to Benefits, Life Insurance SOES- SGLI Online Enrollment System to update. Check their coverage and beneficiary info and make any needed updates. Your service member can log in with their CAC or DS Logon using Internet Explorer as soon as they receive notice that they can start using SOES. If your service member is part of the Public Health Service , you ll need to fill out the Spouse Coverage Election and Certificate SGLV 8286A and have your service member turn it in to their unit s personnel officer. Download the Spouse Coverage Election and Certificate PDF Learn more about SOES Note: We automatically cover dependent children. This coverage can t be turned down, reduced, or canceled.  How much will my service member pay for dependent coverage? \nNothing. 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 , one of these must be true. The child : Is a full - time student , or Becomes permanently and totally disabled before turning 18 and can t support themselves ", "Can my service member get extended coverage for our dependent child? \nYes , in some cases. Coverage lasts until the child is 18 years old. But , if the child is a full - time student between 18 and 22 years old , we may extend the coverage. Or , if the child becomes permanently and totally disabled before turning 18 and is no longer able to support themselves , we may extend the coverage in some cases indefinitely.  How do I convert a spousal FSGLI policy to an individual insurance policy? \nYou have the option to convert spousal FSGLI coverage to a permanent, individual insurance policy such as whole life within 120 days from the date of your service member s : Separation from the military Divorce from you Written election to end spousal SGLI coverage Written election to end their SGLI coverage Death If any of the events listed above happen , you , as the service member s spouse , become solely responsible for all aspects of the policy, including premium payments. You can t convert other types of policies such as term, variable, or universal life insurance. And , supplementary policy benefits such as accidental death and dismemberment or a waiver of the premium for disability aren t considered part of the conversion policy. If you d like to convert FSGLI coverage , you must also : Choose a company from the list of companies that take part in this program. View the companies you can choose from Apply at the local sales office of the company you chose. Give a copy of the most recent Leave and Earnings Statement LES to the agent, showing the deduction for spousal SGLI. You ll also have to provide proof of coverage with one of these documents : The service member s separation document Form DD214 or NGB-22, or written orders The Certificate of Dissolution of Marriage between the spouse and the service member The service member s FSGLI spousal declination The service member s SGLI declination The service member s proof of death DD1300: Report of Casualty, or a civilian death certificate ", "Which forms would my service member need? \nTo request an advance insurance payment for a spouse who s terminally ill , a service member would file a Claim for Accelerated Benefits SGLV 8284A. Download SGLV 8284A PDF To tell us about the death of a family member covered by the policy , a service member would file a Report of Death of Family Member SGLV 8700. Download SGLV 8700 PDF To receive an insurance payment in their time of need , a service member would file a Claim for Family Coverage Death Benefits SGLV 8283A. Download SGLV 8283A PDF", "Veterans Vocational Rehabilitation programs \nIf you re a Veteran or service member with a service - connected disability that impacts your ability to work , the Vocational Rehabilitation and Employment program also called Voc Rehab, VR&E, or Chapter 31 benefits may be able to help. We offer 5 support - and - services tracks to help you find and keep a job, and live as independently as possible. Explore the different tracks and find out how to apply for benefits and services. Reemployment trackYou may have the right to return to the civilian job you held before you deployed. Find out how we can help with this process. Rapid Access to Employment trackIf you want a job that matches your existing skills, find out if you can get employment counseling and job - search support. Self - Employment trackIf you re a service member or Veteran with a service - connected disability , find out how we can help you start your own business. Employment through Long - Term Services trackFind out if you may be eligible for vocational training to help you develop new job skills. Independent Living trackLearn about services that can help you live as independently as possible if you can't return to work right away.", "Get help filing your claim or appeal \nIf you need help filing a claim or appeal , you may want to work with an accredited attorney, a claims agent, or a Veterans Service Officer VSO. We trust these professionals because they re trained and certified in the VA claims and appeals processes and can help you with VA - related needs. VSOs work on behalf of Veterans and service members as well as their dependents and survivors. Find out more about accredited representatives and how they can help you.  What does it take to be an accredited representative or a VSO? \nAccredited representatives and VSOs need to : Pass an exam Pass a background check Take continuing - education courses to make sure they re providing the most up - to - date information Recognized organizations and individuals can legally represent a Veteran, service member, dependent, or survivor before VA . Non - recognized organizations and individuals can provide information, but can t be representatives.  What does an accredited representative or a VSO do? \nAccredited representatives and VSOs can help you understand and apply for VA benefits, like : Financial support monthly payments Education Vocational Rehabilitation & Employment VR&E Home loans Life insurance Pension Health care Burial benefits These trained professionals can also : Help you gather supporting documents like a doctor s report or medical test results File a claim or appeal on your behalf Provide added support, like helping with transportation to medical appointments or emergency funds Note: Veterans Service Officers work for Veterans Service Organizations both are called VSOs, as well as for local government offices. ", "What does it cost to use an accredited representative or a VSO? \nIn general , no individual or organization may charge you a fee to help you file your initial application for benefits. But they may charge you for unusual expenses. It s only after we ve made a decision about your original claim that VA - accredited claims agents and attorneys may charge for their services. Make sure you ask up front what, if any, fees you ll be charged. If you believe a claims agent or attorney charged a fee that s too high , you can challenge it. Find out more in the How to Challenge a Fee guide  How do I find an accredited representative or a VSO? \nYou can find an accredited representative or a VSO in 1 of 2 ways : Go to eBenefits to find a local representative including a recognized VSO, an attorney, or a claims agent by state / territory, zip code, or the organization s name. Go to eBenefits Or search the VA Office of the General Counsel s list to find VA - recognized organizations and VA - accredited individuals by name, city, state, or zip code. Search the VA Office of the General Counsel s list  How do I set up an accredited representative or a VSO to work on my behalf? \nYou ll need to either use eBenefits or fill out a form and mail it in. Choose one of these ways to get set up : Use eBenefits to let us know you ll be working with a representative or to change your current representation. Go to eBenefits To have a VSO help you , fill out an Appointment of Veterans Service Organization as Claimant s Representative VA Form 21 - 22. Download VA Form 21 - 22 PDF To have a claims agent or attorney help you , fill out an Appointment of Individual as Claimant s Representative VA Form 21 - 22a. Download VA Form 21 - 22a PDF If you re filling out one of the forms , you ll need to mail it to your nearest VA regional office. Please speak to the service organization or representative before you send your request. Find a VA regional office near you", "Disability housing grants for Veterans \nWe offer housing grants for Veterans and service members with certain service - connected disabilities so they can buy or change a home to meet their needs and live more independently. Changing a home might involve installing ramps or widening doorways. Find out if you re eligible for a disability housing grant and how to apply.  Can I get a Specially Adapted Housing (SAH) grant and how much funding does this grant offer? \nYou may be able to get an SAH grant if you re using the grant money to buy, build, or change your permanent home a home you plan to live in for a long time and you meet both of the requirements listed below. Both of these must be true. You: Own or will own the home , and Have a qualifying service - connected disability Qualifying service - connected disabilities include : The loss or loss of use of more than one limb The loss or loss of use of a lower leg along with the residuals lasting effects of an organic natural disease or injury Blindness in both eyes having only light perception along with the loss or loss of use of a leg Certain severe burns The loss or loss of use of one or both lower extremities feet or legs after September 11 , 2001, that makes it so you can t balance or walk without the help of braces, crutches, canes, or a wheelchair Note : Only 30 Veterans and service members each fiscal year FY can qualify for a grant based on the loss of extremities after September 11 , 2001. If you qualify for but don t receive a grant in 2019 because the cap was reached , you may be able to use this benefit in FY 2020 or future years if the law continues to give us the authority to offer these grants and we don t go beyond the new FY cap. For FY 2019 , you may be able to get up to 3 grants for a total of up to $85,645 through the SAH grant program. Learn more about how to apply for a housing grant ", "Can I get a Special Housing Adaptation (SHA) grant and how much funding does this grant offer? \nYou may be able to get an SHA grant if you re using the grant money to buy, build, or change your permanent home a home you plan to live in for a long time and you meet both of the requirements listed below. Both of these must be true : You or a family member own or will own the home , and You have a qualifying service - connected disability Qualifying service - connected disabilities include : Blindness in both eyes with 20/200 visual acuity or less The loss or loss of use of both hands Certain severe burns Certain respiratory or breathing injuries For FY 2019 , you may be able to get up to 3 grants for a total of up to $17,130 through the SHA grant program. Learn more about how to apply for a housing grant  What if I need money to make changes to a family member s home that I m living in for a short period of time? \nYou may be able to get a Temporary Residence Adaptation TRA grant if you meet both of the requirements listed below. Both of these must be true. You: Qualify for an SAH or SHA grant see above , and Are living temporarily in a family member s home that needs changes to meet your needs If you qualify for an SAH grant , you can get up to $37,597 through the TRA grant program for FY 2019. If you qualify for an SHA grant , you can get up to $6,713 through the TRA grant program for FY 2019. ", "Apply for an SAH, SHA, or TRA grant \nYou can apply online right now by going to our eBenefits website. You ll need to sign in to eBenefits with your DS Logon basic or premium account. If you don t have a DS Logon account , you can register for one on the site. Go to eBenefits to apply", "Eligibility for Veterans Pension \nThe Veterans Pension program provides monthly payments to wartime Veterans who meet certain age or disability requirements, and who have income and net worth within certain limits. Find out if you re eligible for this benefit.  Am I eligible for Veterans Pension benefits from VA? \nIf you meet the VA pension eligibility requirements listed below , you may be eligible for the Veterans Pension program. Both of these must be true : You didn t receive a dishonorable discharge , and Your yearly family income and net worth meet certain limits set by Congress. Your net worth includes all personal property you own except your house, your car, and most home furnishings, minus any debt you owe. Your net worth includes the net worth of your spouse. Find out about Veterans Pension rates And at least one of these must be true about your service. You: Started on active duty before September 8 , 1980 , and you served at least 90 days on active duty with at least 1 day during wartime , or Started on active duty as an enlisted person after September 7 , 1980, and served at least 24 months or the full period for which you were called or ordered to active duty with some exceptions with at least 1 day during wartime, or Were an officer and started on active duty after October 16 , 1981, and you hadn t previously served on active duty for at least 24 months And at least one of these must be true. You: Are at least 65 years old , or Have a permanent and total disability , or Are a patient in a nursing home for long - term care because of a disability , or Are getting Social Security Disability Insurance or Supplemental Security Income ", "How do I know if I served under an eligible wartime period? \nUnder current law , we recognize the following wartime periods to decide eligibility for VA pension benefits : Mexican Border period May 9 , 1916, to April 5 , 1917, for Veterans who served in Mexico, on its borders, or in adjacent waters World War I April 6 , 1917, to November 11 , 1918 World War II December 7 , 1941, to December 31 , 1946 Korean conflict June 27 , 1950, to January 31 , 1955 Vietnam War era (February 28, 1961, to May 7, 1975, for Veterans who served in the Republic of Vietnam during that period. August 5, 1964, to May 7, 1975, for Veterans who served outside the Republic of Vietnam.) Gulf War August 2 , 1990, through a future date to be set by law or presidential proclamation  What should I do if I received an other than honorable, bad conduct, or dishonorable discharge? \nIf you ve received one of these discharge statuses , you may not be eligible for VA pension benefits. There are 2 ways you can try to qualify : Find out how to apply for a discharge upgradeLearn about the VA Character of Discharge review process", "Ionizing radiation exposure \nFind out if you can get disability compensation or benefits for illnesses including some cancers believed to be caused by contact with radiation during military service.  Can I get disability benefits from VA? \nYou may be able to get disability benefits if you didn t receive a dishonorable discharge and you meet the requirements listed below. Both of these must be true : You have an illness that s on our list of illnesses believed to be caused by radiation or that doctors say may be caused by radiation , and Your illness started within a certain period of time as shown along with the list of illnesses See the list of radiation - related illnesses And you must have had contact with ionizing radiation in one of these ways while serving in the military. You: Were part of atmospheric nuclear weapons testing , or Served in the postwar occupation of Hiroshima or Nagasaki , or Were a prisoner of war POW in Japan , or Worked as an x - ray technician, in a reactor plant, or in nuclear medicine or radiography while on active duty or during active or inactive duty for training in the Reserves, or Did tasks like those of a Department of Energy (DOE) employee that make them a member of the Special Exposure Cohort (See 42 U.S.C. 7384L(14)) You may also qualify for disability benefits if you served in at least one of the below locations and capacities. You were: Part of underground nuclear weapons testing at Amchitka Island, Alaska, or Assigned to a gaseous diffusion plant at Paducah, Kentucky , or Assigned to a gaseous diffusion plant at Portsmouth, Ohio , or Assigned to a gaseous diffusion plant at Area K-25 at Oak Ridge, Tennessee ", "Who s covered? \nVeterans  What kind of disability benefits can I get? \nHealth care Compensation payments  How do I get these benefits? \nYou ll need to file a claim for disability compensation and provide the evidence supporting documents listed below : Medical records showing that you ve been diagnosed with one of the illnesses on our list of those believed to be caused by radiation or that your doctor states may be caused by radiation exposure , and Service records showing that you were part of one of the radiation risk activities described above Note: When you file your claim , we ll ask the military branch that you served with or the Defense Threat Reduction Agency to give us a range of how much radiation they think you may have come into contact with. We ll use the highest level of the range they report to decide on your benefits. Find out how to file a claim for disability compensation", "Reserve Educational Assistance Program (REAP) \nThe Reserve Educational Assistance Program REAP ended on November 25 , 2015 , but under the National Defense Authorization Act of 2016, some REAP benefits will remain in place for 3 more years. Learn more about what this change means for you.  How does it affect me that REAP has ended? \nFind the description below that best fits your situation to learn about how this change affects you, and what to do next.  If you were actively using REAP benefits on or before November 24, 2015 \nYou can keep using your REAP benefits until November 25 , 2019. Note: You fit this description if you were already attending a school or training program on November 24 , 2015, or during the last semester, quarter, or term ending before that date.  If you applied for REAP benefits, but you didn t start school until after November 24, 2015 \nYou re no longer eligible to receive REAP benefits , but you may be eligible for Post-9/11 GI Bill benefits. Learn more about the Post-9/11 GI Bill  If you applied for REAP benefits after November 24, 2015 \nYou re not eligible to receive REAP benefits , but you may be eligible for Post-9/11 GI Bill benefits. We ll review your application and give you the benefits you qualify for. Learn more about the Post-9/11 GI Bill  If we determined you were eligible for REAP benefits, but you lost your benefits when the program ended \nYou can credit your REAP eligibility toward your Post-9/11 GI Bill eligibility if you meet both of the requirements listed below. Both of these must be true. You: Established REAP eligibility before November 25 , 2015, and Lost eligibility when we retired that program on November 25 , 2015 If you credit your eligibility toward your Post-9/11 GI Bill eligibility , you : Will receive one month or a partial month of Post-9/11 GI Bill benefits for each month or partial month of remaining REAP benefits up to a maximum of 36 months Will not be eligible for 48 months of entitlement based on your previous eligibility for REAP and your new eligibility under the Post-9/11 GI Bill Will be entitled to the 60% payment tier under the Post-9/11 GI Bill regardless of the length of your Post-9/11 active - duty service If you d like to switch your benefits , call 888-GI - BILL-1 888 - 442 - 4551, Monday through Friday , 8:00 a.m. to 7:00 p.m. ET.", "VA Individual Unemployability if you can't work \nIf you can t work because of a disability related to your service in the military a service - connected disability , you may qualify for what s called Individual Unemployability. This means you may be able to get disability compensation or benefits at the same level as a Veteran who has a 100% disability rating.  Can I get disability benefits from VA? \nYou may be able to get disability benefits if you meet both of the requirements listed below. Both of these must be true : You have at least 1 service - connected disability rated at 60% or more disabling, or 2 or more service - connected disabilities with at least 1 rated at 40% or more disabling and a combined rating of 70% or more and You can t hold down a steady job that supports you financially known as substantially gainful employment because of your service - connected disability. Odd jobs marginal employment don t count. Note: In certain cases for example , if you need to be in the hospital often you may qualify at a lower disability rating.  Who s covered? \nVeterans  What kind of benefits can I get? \nHealth care Compensation payments  How do I get these benefits? \nYou ll need to file a claim for disability compensation. When you file , you ll have to provide evidence supporting documents like a doctor s report or medical test results showing that your disability prevents you from holding down a steady job. We ll also review your work and education history. Example : A Veteran has a service - connected heart condition and a 60% disability rating. She was still able to work until last year when she began to get chest pain when doing anything physical, like walking or lifting boxes. Her doctor told her to retire as soon as possible. She filed a claim for more disability compensation. We reviewed her work and education history and agreed that she was individually unemployable because of her service - connected disability. So we increased her disability compensation to the same rate as a 100% disabled Veteran. Find out how to file a claim for disability compensation When you file a disability claim , you ll also need to fill out these additional forms for Individual Unemployability benefits : A Veteran s Application for Increased Compensation Based on Unemployability VA Form 21 - 8940 Download VA Form 21 - 8940 PDF and A Request for Employment Information in Connection with Claim for Disability Benefits VA Form 21 - 4192 Download VA Form 21 - 4192 PDF", "Agent Orange exposure on Navy or Coast Guard ships \nDid you serve on a Blue Water Navy vessel offshore of the Republic of Vietnam, or on another U.S. Navy or Coast Guard ship operating in the coastal waterways of Vietnam, between January 9 , 1962, and May 7 , 1975? If yes , you may have had contact with Agent Orange, an herbicide used to clear trees and plants during the war. We refer to this as a presumption of contact. Find out if you can get disability compensation and other benefits for illnesses we believe are caused by Agent Orange.  Blue Water Navy Veterans and Agent Orange \nBlue Water Navy Veterans are now entitled to a presumption of service connection for illnesses related to Agent Orange exposure. This is a result of Public Law 116 - 23, the Blue Water Navy Vietnam Veterans Act of 2019. The law was signed on June 25 , 2019, and takes effect on January 1 , 2020. Read below to learn more about eligibility requirements and how to file a claim. If we denied your claim in the past , you can file a new claim based on this change in law.  Can I get disability benefits from VA? \nYou may be able to get disability benefits if the below descriptions are true for you. This must be true : You have an illness we believe is caused by Agent Orange called a presumptive disease And at least one of these must also be true. Your military record must show that between January 9 , 1962, and May 7 , 1975, you : Were aboard a U.S. military vessel that operated in the inland waterways of Vietnam , or Served on a vessel not more than 12 nautical miles seaward from the demarcation line of the waters of Vietnam and Cambodia as detailed in Public Law 116 - 23, the Blue Water Navy Vietnam Veterans Act of 2019 Review our list of diseases related to Agent Orange ", "Who s covered? \nVeterans Qualified dependents  What kind of benefits can I get? \nHealth care Compensation payments An Agent Orange Registry health exam  How do I get these benefits? \nYou ll need to file a claim for disability compensation and submit your evidence supporting documents.  If you have an illness we believe is caused by Agent Orange \nYou won t need to show that the problem started during or got worse because of your military service. This is because we believe that certain diseases are the result of exposure to herbicides. We refer to these as presumptive diseases. Review our list of diseases related to Agent Orange When you file your claim , you'll need to submit : that shows you have an Agent Orange related illness A medical record And you'll need to submit a military record that shows you either : Were aboard one of the U.S. Navy or Coast Guard ships that entered the inland waterways , or Served in the Republic of Vietnam for any length of time between January 9 , 1962, and May 7 , 1975. This may include serving aboard a vessel on the inland waterways, or on a vessel operating not more than 12 nautical miles seaward from the demarcation line of the waters of Vietnam and Cambodia as detailed in Public Law 116 - 23, the Blue Water Navy Vietnam Veterans Act of 2019. Find out how to file a claim for disability compensation Find out how to file a claim for disability compensation ", "If you have an illness that s not on the list of Agent Orange related diseases, but you believe was caused by Agent Orange \nYou ll need to : Provide scientific and medical evidence that the condition is related to exposure to Agent Orange , or Show that the problem started during or got worse because of your military service Scientific proof may include an article from a medical journal or a published research study. When you file your claim , you'll need to submit a medical record that shows : You have a current disability , and There's a connection between Agent Orange exposure and your current disability And you'll need to submit a military record that shows you either : Were aboard one of the U.S. Navy or Coast Guard ships that entered the inland waterways , or Served in the Republic of Vietnam for any length of time between January 9 , 1962, and May 7 , 1975. This may include serving aboard a vessel on the inland waterways, or on a vessel operating not more than 12 nautical miles seaward from the demarcation line of the waters of Vietnam and Cambodia as detailed in Public Law 116 - 23, the Blue Water Navy Vietnam Veterans Act of 2019. Find out how to file a claim for disability compensation Find out how to file a claim for disability compensation  What if I m a Blue Water Navy Veteran, and VA denied my claim in the past? \nIf we denied your claim because we determined that your disability wasn t caused or made worse by your active - duty service , you can file a new claim based on the change in law. In certain cases , if we approve your claim , we ll pay you back to the date when you submitted your original claim. We refer to this as retroactive payment. Find out how to file a claim for disability compensation If you have more questions about this change in law , please read our fact sheet on Blue Water Navy Veterans and Agent Orange PDF. ", "What if I need help filing my claim? \nYou can get help from us in one of these ways : Call 800 - 827 - 1000 or TTY 800 - 877 - 8339 , or Go to your nearest VA regional benefit office , or Get help from a trained professional trusted to help with VA - related claims", "Yellow Ribbon Program \nThe Yellow Ribbon Program can help you pay for higher out - of - state, private school, or graduate school tuition that the Post-9/11 GI Bill doesn t cover. Find out if your school takes part in this program.  Am I eligible for the Yellow Ribbon Program? \nYou may be eligible for this program if you and your school meet the requirements listed below.  You must qualify for the maximum benefit rate under the Post-9/11 GI Bill. \nTo qualify , at least one of these must be true. You: Served at least 36 months on active duty either all at once or with breaks in service , or Received a Purple Heart on or after September 11 , 2001, and were honorably discharged after any amount of service , or Received a Fry Scholarship on or after August 1 , 2018, or Served for at least 30 continuous days all at once, without a break on or after September 11 , 2001 , and were discharged after 60 days with a service - connected disability, or Are a dependent child using benefits transferred by a Veteran or a service member who has served for at least 36 months on active duty and qualifies at the 100% level, or Find out about transferring Post-9/11 GI Bill benefits Are receiving the Fry Scholarship beginning August 1 , 2018 Learn more about the Fry Scholarship Note: At this time , you re not eligible for the maximum benefit rate under the Post-9/11 GI Bill if you re an active - duty service member or the spouse of an active - duty service member. But , as of August 1 , 2022 , you may become eligible if you re an active - duty service member who qualifies at the 100% level, or the spouse using the transferred benefits of an active - duty service member who qualifies at the 100% level. ", "And your school must meet certain requirements. \nAll of these must be true. Your school : Offers the Yellow Ribbon Program , and Hasn t offered the Yellow Ribbon benefit to more than the maximum number of students in their agreement with us , and Has certified your enrollment with us and provided Yellow Ribbon Program information See the list of schools that offer the Yellow Ribbon Program this year  What benefits can I get through this program? \nMoney to help pay for the higher cost of tuition at a private school or for attendance as a nonresident student at a public school. If you qualify , your school will contribute a certain amount toward your extra tuition and fees through a grant, scholarship, or similar program. We ll match the contribution.  How do I get this benefit? \nApply for Post-9/11 GI Bill benefits \nApply for Post-9/11 GI Bill benefits If you qualify for benefits , you ll get a Certificate of Eligibility COE.  Turn in your COE to your school \nBring your COE to your school s certifying official, or to the financial aid, military liaison, or other appropriate office. Ask to apply for your school s Yellow Ribbon Program.  Wait for a decision \nYour school will decide : Whether it has already enrolled the maximum number of students for the program period. Enrollment is on a first - come, first - served basis. We have an agreement with each school about how many students they ll cover each year. How much funding you ll receive. Your school decides this amount. They ll add up tuition and mandatory fees, then subtract any aid you ve received from other sources such as scholarships, grants, and your Post-9/11 GI Bill tuition payment. Your school will apply the Yellow Ribbon Program benefit to this final amount. ", "Follow up \nYou ll get a notice from your school about whether it has accepted you into the program and how much money you ll receive for tuition.  Learn more about the Yellow Ribbon Program \nGet answers to other questions you may have about the Yellow Ribbon Program.  How much funding you ll receive through the program \nThis depends on the school. Schools can choose to offer different amounts to students based on 2 factors : Student status undergraduate, graduate, doctoral , and Type of school college or professional For example : A school could provide $1,000 for undergraduates, $1,500 for graduate students, and $2,000 for doctoral students. The school also could provide $1,800 for students in the school of engineering and $2,500 for students in the school of nursing. This depends on the agreement we have with your school. Your school s agreement with us states how much it will contribute and how much we ll match. This amount makes up all or part of the difference between what the Post-9/11 GI Bill will pay and the unmet tuition and fees. Here s how it works : Let s say you re attending a public school as an out - of - state student. The school charges $10,000 per year for in - state tuition and fees, but $16,000 per year for out - of - state tuition and fees. We ll pay the in - state $10,000 cost under the Post-9/11 GI Bill. But you ll need to pay the extra $6,000 for the out - of - state cost. If you qualify for the Yellow Ribbon Program , you can get some or all of that extra amount paid. We ll match the amount your school contributes to the program. So if your school funds $3,000 of your tuition , we ll also pay $3,000 to your school , and you ll be covered for the full amount. If your school funds $2,000 through the Yellow Ribbon Program , we ll also pay $2,000 to your school , and you ll need to pay the remaining $2,000. Note: Your school s agreement may also state that they ll contribute only toward degrees at certain colleges or professional schools, or only for certain degree levels like undergraduate, graduate, or doctoral degrees. Learn more about each school s agreement No. You don t have to attend full - time to be in the program. First , we ll determine how much the Post-9/11 GI Bill will pay. We ll do this by subtracting any financial aid you have that s designated solely for paying tuition and fees from the total amount your school charges. Then , your school s funding through the Yellow Ribbon Program and our matching contributions can cover part or all of the remaining unmet charges. Yellow Ribbon funds may cover any mandatory required fees for your education program. Yellow Ribbon and Post-9/11 GI Bill funds won t cover any fees that aren t mandatory, such as : Room and board Study abroad unless your degree program requires the study abroad course Penalty fees like fees for late registration, returned checks, or parking fines Yes , if your school still has Yellow Ribbon funds available for the per - student maximum contribution for the summer term. ", "How your benefits may change from year to year \nNot always. We require a new Yellow Ribbon Program agreement each year. If your school has an approved agreement with us 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 below. All of these must be true. You: Make acceptable progress toward completing your program according to your school , and Stay enrolled in the school without a break following the school s policy, and Have money left in your Post-9/11 GI Bill benefits Check the status of your Post-9/11 GI Bill benefits If you transfer to a different school , your new school needs to offer Yellow Ribbon benefits and accept your application for you to continue in the program. Your first school s decision doesn t affect your new school s decision. No. Even if you stay enrolled , keep progressing in your program , and have money left in your Post-9/11 GI Bill benefits , your school can choose to offer a different amount each year. Your school must notify you if they plan to stop offering the program. If you take fewer courses , we ll pay less toward your tuition and fees. Your school will also reduce the amount they pay. We base refunds on each school s refund policy. You ll need to pay us back for any overpayments we may have made to the school that they don t refund. If the school still offers the program , they must continue to give you funding as long as you meet all of the requirements listed below. All of these must be true. You: Make acceptable progress toward completing your program according to your school , and Stay enrolled in the school without a break following the school s policy, and Have money left in your Post-9/11 GI Bill benefits Check the status of your Post-9/11 GI Bill benefits", "Active-duty service members and VA health care \nIf you re serving on active duty , including as a returning OEF / OIF / OND service member , find out how to apply for VA health care once you ve received your separation or retirement orders. Your eligibility for VA health care and other health care coverage depends on your service history and other factors.  On this page \nEnhanced eligibility for returning OEF / OIF / OND combat Veterans Eligibility after separation Eligibility after retirement Getting started with VA health care  Get free mental health care for a year after separation no matter your discharge status, service history, or eligibility for VA health care. \nIf you need support for a specific mental health problem or if you re having problems sleeping , controlling your anger , or readjusting to civilian life you are not alone. And we can help. To access free VA mental health services right away : Call or walk in to any VA medical center anytime, day or night. Find your nearest VA health facility Call or walk in to any Vet Center during clinic hours. Find your nearest Vet Center Call us at 1 - 877 - 222-VETS 1 - 877 - 222 - 8387. We re here Monday through Friday , 8:00 a.m. to 8:00 p.m. ET. If you have hearing loss , call TTY : 1 - 800 - 877 - 8339. You don t need to be enrolled in VA health care to get care. Learn more about accessing VA mental health services To connect with other resources for Veterans and transitioning service members : Visit the Department of Defense DoD Military OneSource website Visit our mental health site for transitioning service members Read about our commitment to supporting transitioning Veterans ", "Enhanced eligibility for returning OEF/OIF/OND combat Veterans \nYou can receive free VA health care for up to 5 years after discharge or release for any condition related to your service in Operation Enduring Freedom OEF in Afghanistan or Operation Iraqi Freedom OIF or Operation New Dawn OND in Iraq. This is called an enhanced eligibility period.  We encourage you to apply right away \nIf you wait to apply for VA health care until after your enhanced eligibility period ends , we won t factor your OEF / OIF / OND combat Veteran status into our decision on your enrollment. Instead , we ll base your eligibility on factors such as your income and VA disability rating. So even if you don t think you need medical care right now , we encourage you to apply for VA health care right away to take advantage of this enhanced eligibility period. You may qualify for enhanced eligibility if you meet all of the requirements listed below. All of these must be true. You: Served in a theater of combat operations after November 11 , 1998, and Were discharged or released from active service on or after January 29 , 2003 , and Didn t receive a dishonorable discharge We ll use the documents listed below to determine your service in a theater of combat operations : Military service documentation that reflects service in a combat theater , or Receipt of combat service medals , or Receipt of combat tax exemption, imminent danger, or hostile fire pay If you qualify for enhanced eligibility as an OEF / OIF / OND combat Veteran : We ll enroll you right away. We ll assign you to priority group 6, unless you qualify for a higher priority group based on your income or a service - connected disability. Learn more about priority groups You ll receive free care and medications for any condition that may be related to your combat service. You may need to pay copays for care and medications that we determine are clearly not related to your military service , but you can submit your income as part of your application to apply for a copay exemption. Learn more about how we determine your health care costs View current copay rates You ll stay enrolled in VA health care even after your OEF / OIF / OND enhanced eligibility period ends. We ll reassign you to the highest priority group you qualify for at that time. You may be eligible for one - time dental care for any needed conditions. Be sure to apply within 180 days of discharge or separation. You may also qualify for VA dental care based on other factors. Find out if you may be eligible for VA dental care ", "Eligibility after separation \nIf you're a Veteran who's recently separated from active duty, including active National Guard or Reserve duty , you may be eligible for VA health care for all or some of your health care needs. We ll determine your eligibility based on your service history, VA disability rating, income, and other factors. If you had active - duty status for training purposes only , you don t qualify for VA health care. Learn more about VA health care eligibility Find out how to apply for VA health care You and your family may also qualify for temporary health coverage through the Department of Defense s TRICARE program. If you re a member of the National Guard and Reserve , your coverage options will depend on your military status before you separate. You ll have 90 days from your separation date to change your health plan. Visit the TRICARE website to learn more about how to enroll for temporary TRICARE coverage after separation.  Eligibility after retirement \nYou may be eligible for the Department of Defense s TRICARE program as a military retiree. Your family members may also qualify for care. You ll need to enroll within 90 days after your retirement date even if you re already enrolled in TRICARE on active duty. Visit the TRICARE website to learn more about how to enroll in TRICARE as a military retiree. You may also be eligible for certain VA health care benefits. Learn more about VA health care eligibility Find out how to apply for VA health care ", "If you re being medically retired from active duty \nYou may be eligible to receive care through VA for any service - connected disabilities. You may also qualify to receive all other care through TRICARE. Your eligible family members may also qualify for care through TRICARE. To learn more about your options , talk with a VA benefits counselor. Your counselor will help you determine what your military and VA medical board ratings mean and how they affect your options. Your counselor will also help you apply for benefits. Call our health benefits hotline at 877 - 222 - 8387 to connect with a benefits counselor. If you have hearing loss , call TTY : 800 - 877 - 8339. We re here Monday through Friday , 8:00 a.m. to 8:00 p.m. ET. Or contact your nearest VA medical center. Find a VA medical center near you  Getting started with VA health care \nCan I apply for VA health care before I ve ended my service? \nYes. You can apply as soon as you ve received your separation or retirement papers. If we determine you re eligible , you ll be enrolled once you ve separated or retired.  Can I use VA health care while I m still on active duty? \nYou may be able to use VA health care if : You need emergency or urgent care. We ll provide care first, and then get TRICARE authorization for care once we ve stabilized your health. You need routine care and you have a valid TRICARE referral or authorization. The VA health facility you re visiting has a VA / DoD sharing agreement that allows us to provide care without referrals. For more information about this , please contact your local military hospital or clinic also called a military treatment facility or TRICARE office. Find a military treatment facility Contact TRICARE ", "What if I ve just separated and I don t know where to start? \nWe can help you learn about and apply for VA health care benefits. A member of our Concierge for Care C4C team will call you soon after your separation from military service. We can answer any questions you may have, process your application over the phone, and help you schedule your first VA medical appointment.", "VR&E Independent Living track \nIf your service - connected disability limits your ability to perform activities of daily living like bathing, dressing, accessing the community, and interacting with others and you can t return to work right away , you may qualify for independent living services through the Vocational Rehabilitation and Employment VR&E Independent Living track. You may also receive these services as you work to find a job if that s a goal you and your Vocational Rehabilitation Counselor VRC have created. In both cases , your VRC can help you restore your daily - living activities. Find out if you may be eligible for services to help you live as independently as possible.  Can I get independent living services through VR&E? \nYou may be eligible for independent living services if you re a service member or Veteran with a service - connected disability who is eligible for VR&E benefits, and you meet all of the requirements listed below. All of these must be true : You have a serious employment handicap SEH , and Your disabilities prevent you from looking for or returning to work , and You re in need of services to live as independently as possible Please note: Having an employment handicap means your service - connected disability limits your ability to prepare for, obtain, and maintain suitable employment a job that doesn t make your disability worse, is stable, and matches your abilities, aptitudes, and interests. ", "What kind of benefits can I get? \nDepending on your needs , services may include : to identify your needs and goals Evaluation and counseling Home consultations with specialists Referral to support resources Guidance to help you understand if you re eligible for our adaptive - housing programs. These programs can help you make changes to your home like widening doorways or adding ramps so you can live more independently. Learn more about adaptive housing grants These services generally last up to 24 months. In some cases , you may be able to use services for longer than this.  How do I get these benefits? \nFirst , you ll need to apply for VR&E benefits. Then , you ll work with your Vocational Rehabilitation Counselor VRC.  If you have your VA disability rating, follow these steps to apply: \nSign in to your eBenefits account. Click Additional Benefits on your dashboard. Click Vocational Rehabilitation and Employment Program. Apply for the Vocational Rehabilitation and Employment program. If you re eligible , we ll invite you to an orientation session at your nearest VA regional benefit office. If you re eligible , a VRC will work with you to determine the severity of your service - connected disability, if you re ready to work, and if you ll benefit from independent living services. Your VRC will help you create a personalized, written independent living plan that meets your needs.  Ready to apply? \nGo to eBenefits to apply Find out how to apply if you haven t yet received a disability rating", "Traumatic Injury Protection (TSGLI) \nTSGLI also known as Servicemembers Group Life Insurance Traumatic Injury Protection provides short - term financial support to help eligible service members recover from a severe injury. If you were covered by SGLI and experienced a traumatic injury while serving in the military , find out how to file a claim for TSGLI or appeal a past decision.  Am I eligible for TSGLI? \nYou may be able to get TSGLI if you were insured by SGLI when you experienced a traumatic injury , and you meet all of the requirements listed below. All of these must be true. You: Have a scheduled loss that is a direct result of the traumatic injury , and Suffered the traumatic injury before midnight on the day that you left the military , and Suffered a scheduled loss within 2 years 730 days of the traumatic injury , and Have survived for a period of not less than 7 full days from the date of the traumatic injury the 7-day period begins on the date and time of the traumatic injury and ends 168 full hours later , and Were an active - duty military member, a Reservist, a National Guard member, on funeral - honors duty, or on 1-day muster duty  Are any injuries excluded from TSGLI? \nYes. To qualify for TSGLI , none of the descriptions below can be true of your injury. None of these can be true. Your injury can t : Be self - inflicted on purpose or the result of an attempt at self - injury, or Involve the use of an illegal drug or a controlled substance that was given or taken without the advice of a medical doctor , or Be the result of medical or surgical treatment of an illness or disease, or Occur while you re committing or trying to commit a felony, or Be the result of a physical or mental illness or disease not including illness or disease caused by a wound infection; a chemical, biological, or radiological weapon; or accidentally swallowing a contaminated substance View TSGLI loss standards ", "Can I get retroactive TSGLI for a past injury? \nYou may be able to get retroactive TSGLI meaning that it takes effect starting from a date in the past if you were injured between October 7 , 2001, and November 30 , 2005 , and you meet all of the TSGLI qualifications listed above. You can use this benefit no matter where the injury happened whether you were on or off duty and no matter if your SGLI coverage was in effect when you got injured. Note: We ve removed the previous requirement that you must have been injured during Operations Enduring or Iraqi Freedom OEF or OIF. Find out if you qualify for retroactive benefits  Who s covered? \nService members covered by SGLI  What kind of life insurance benefits can I get through TSGLI? \nYou may get $25,000 to $100,000 in short - term financial support to help in your recovery from a traumatic injury.  How do I get these benefits? \nYou re automatically covered through TSGLI if you re signed up for full - time SGLI. This insurance covers you even if your injury happened while you were off duty. To get payments including retroactive TSGLI payments you ll need to apply. To file a claim , fill out the Application for TSGLI Benefits SGLV 8600 , and fax, email , or mail it to us. Look for the address of your service branch on the front page of the form. Download the Application for TSGLI Benefits PDF ", "How do I appeal a decision if I m denied benefits? \nFirst , look at the denial letter you received from your branch of service. Your letter will tell you if you should use the TSGLI Appeal Request Form SGLV 8600A and how long you ll have to submit your appeal. If your letter says to complete this form , fill it out and submit it to your branch of service. Download the TSGLI Appeal Request Form PDF  How much will I pay for these benefits? \nIf you have SGLI coverage , your SGLI premium which is automatically deducted from your base pay includes a $1-per - month flat - rate premium for TSGLI. This is all you ll pay for this benefit.", "VA nursing homes, assisted living, and home health care \nAs a Veteran , you may be able to get assisted living, residential live - in, or home health care through VA . Find out how to access these long - term care services.  What kinds of long-term care services does VA offer for sick or disabled Veterans? \nOur long - term care services include : 24/7 nursing and medical care Physical therapy Help with daily tasks like bathing, dressing, making meals, and taking medicine Comfort care and help with managing pain Support for caregivers who may need skilled help or a break so they can work, travel, or run errands You can get this care in many different settings some run by VA and others run by state or community organizations that we inspect and approve. Care settings may include : Nursing homes Assisted - living centers where a caregiver supports a small group of individuals Private homes Adult day health centers Veterans own homes You can learn more about the different types of care below or see our guide to long - term services and supports.  How do I access these services? \nYou may be able to use one or more of these services if you meet all of the requirements listed below. All of these must be true : You re signed up for VA health care , and We conclude that you need a specific service to help with your ongoing treatment and personal care , and The service or space in the care setting is available near you We may also consider other factors, like your service - connected disability status or insurance coverage. To find out how to access these services , 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. If you re not currently in the VA health care program , you can apply for benefits now. Apply now ", "Does VA pay for these services? \nWe cover some of these services under your standard health benefits if you re signed up for VA health care. You may still need to pay a copay for some covered services. Apply for VA health care Other services aren t covered under VA health care benefits. For these services , you may be able to pay through Medicaid, Medicare, or your own private insurance. Learn more about paying for long - term care  Where can I get more information and support? \nGet help setting goals and priorities and making tough decisions about things like long - term care. Learn more about the shared decision - making process Find services and resources to help with geriatric elder and long - term care. Find services Get more information about geriatric and long - term care as well as how to deal with diseases like Alzheimer s and dementia. Visit the geriatrics section of VA.gov  More details about your care options \nYou can get nursing home care in 1 of the 3 different nursing home settings listed below. In each , you d live there full time and have access to nursing and medical care, as well as help with daily tasks 24 hours a day. You may be able to get VA benefits to help pay for nursing home care. It depends on your income and the level of your service - connected disability a disability that resulted from your military service. Learn more about : that are designed to feel like home Community Living Centers VA nursing centers that we contract with in many parts of the country so you can get care near your home and family Community Nursing Homes Non - VA nursing homes State Veterans Homes State - owned and -managed centers that provide full - time care for Veterans and , sometimes , non - Veteran spouses and Gold Star parents You may be able to get community residential live - in care in settings such as those listed below. In each setting , a trained professional will provide care and support with daily tasks 24 hours a day. These places are not run, staffed, or paid for by VA , but we do inspect and approve each one. And you may be able to use VA benefits to help pay for extra services like visits from a VA health care provider. Learn more about : Medical foster homes Private homes where a few people live together and get care Adult family homes or adult foster homes Private homes with rooms to rent for 6 or fewer people where Veterans can live in a rented room or apartment, and have access to shared living spaces like a dining room Assisted living facilities Centers If you re signed up for VA health care , you can get help managing your disability or health condition while living at home. The services you qualify for will depend on your needs and whether a service is available in your area. If you need to , you may be able to use more than one service at the same time. Learn more about : Home - based primary care A VA health care team , led by a VA doctor , who provides services like nursing care, physical therapy, and help with daily tasks in your home Homemaker / home health aide H / HHA services A trained caregiver supervised by a registered nurse who comes into your home to help you care for yourself you can go to during the day for social activities, companionship, and recreation as well as care and support Adult day health care A program Hospice care Skilled caregivers who come into your home to provide comfort care to you and your family. You qualify for hospice care if you have a terminal condition a condition that can t be treated, with less than 6 months to live, and you re no longer seeking treatment other than to ease pain. who come into your home to provide comfort care to help ease your pain and control your symptoms so you can do as much as possible in your daily life Palliative care Skilled caregivers If you re signed up for VA health care , you can get home - based health care as part of your benefits. The services that you qualify for will depend on your needs. Learn more about : who come to your house to provide care such as wound care, physical therapy, social work support, and help with daily tasks Skilled home health care Health care providers from a community - based home health agency Home Telehealth A VA care coordinator who keeps track of your health remotely using special equipment in your home and will check in with you by phone, if needed. If there are any signs of a problem , your care coordinator will work with you and your VA doctor and nurse to figure out what to do next. You may be able to get a service called respite care as part of your VA health care benefits. This service pays for a person to come into your home or for you to go to a program outside your home while your family caregiver takes a break. Learn more about respite care Other services for home health care like adult day health care or skilled health aide services listed above can also help to support caregivers. Yes. We offer Geriatric Patient Aligned Care Team GeriPACT services in about two - thirds of VA medical centers. GeriPACT provides expert care to Veterans with challenging health care needs due to conditions such as : More than one complex chronic disease Dementia or cognitive decline Geriatric syndromes like frailty, falls, incontinence, memory loss, taking many medicines, or being 65 years or older Caregiver burden the stress and strain that can come from caring for someone with complex needs Note: GeriPACT is not for Veterans with untreated substance abuse. It may also not be the right fit for Veterans who only need a prescription refill for a medicine like Aricept used to treat Alzheimer s disease. Learn more about geriatric care", "Survivors and Dependents Educational Assistance \nLearn about the Survivors and Dependents Educational Assistance DEA program. If you re the child or spouse of a Veteran or service member who has died, is captured or missing, or has disabilities , you may be able to get help paying for school or job training through the DEA program also called Chapter 35. Find out if you re eligible for this benefit.  Am I eligible for education benefits through the DEA program? \nYou may be able to get these benefits if both you and the Veteran or service member meet certain eligibility requirements. One of the descriptions below must be true. The Veteran or service member : Is permanently and totally disabled due to a service - connected disability , or Died while on active duty or as a result of a service - connected disability , or Is missing in action or was captured in the line of duty by a hostile force , or Was forcibly detained held or interned in the line of duty by a foreign entity , or Is in the hospital or getting outpatient treatment for a service - connected permanent and total disability and is likely to be discharged for that disability effective December 23 , 2006  If you re the child of a Veteran or service member \nYou can get benefits if you re between the ages of 18 and 26, except in certain cases. You may be married or unmarried. If you re over 18 years old and using DEA , you can t get Dependency and Indemnity Compensation DIC from us. Learn about DIC If you join the military , you can t use this benefit while on active duty. And if you want to use this benefit after you leave the service , you can t have a dishonorable discharge. Military service can extend your eligibility , but this increase doesn t usually go past your 31st birthday. ", "If you re the spouse of a Veteran or service member \nYour benefits start on the date we conclude that you qualify or on the date of the Veteran s death, and last for 10 years. If we rated the Veteran as permanently and totally disabled, with an effective date that s 3 years after discharge , you ll qualify for benefits for 20 years from that effective date. This new policy began on October 10 , 2008. We won t pay benefits for training you started before this date. If the service member died on active duty , your benefits end 20 years from the date of death. You can get DIC payments from us and use DEA benefits.  What benefits can I get? \nWe ll send you a monthly payment to help you cover the cost of : College or graduate degree programs Career - training certificate courses Educational and career counseling Apprenticeships On - the - job training Note: If you began using this program to pay for your school or training before August 1 , 2018 , you can get benefits for up to 45 months. If you began using the program on or after August 1 , 2018 , you can get benefits for up to 36 months. View current payment rates  What if I qualify for both DEA and the Fry Scholarship? \nYou ll need to pick one or the other. Once you make this choice , you can t switch to the other program. Learn about the Fry Scholarship Exception : If you re the child of a service member who died in the line of duty before August 1 , 2011 , you can use both DEA and the Fry Scholarship and get up to 81 months of education and training. You ll need to use one program at a time. ", "Can I get more help if I have a disability that prevents me from working toward my goals? \nWe may prescribe special restorative training, if needed, to help you overcome or lessen the effects of a physical or mental disability so you can work toward your educational or training goal. Or we may approve special vocational training you may need due to a physical or mental disability. These special benefits won t include medical or psychiatric care.  How do I get these benefits? \nFirst , contact your school s certifying official to make sure your program is approved for VA benefits. Then , you can : Apply online now , or Apply by mail. You ll need to fill out a Dependents Application for VA Education Benefits VA Form 22 - 5490 and mail it to the regional processing office for your state. You ll find the address on the last page of the form. Download VA Form 22 - 5490  If you haven t started school or a training program: \nGet help from a trained professional trusted to help with VA - related claims. Get help filing your claim Get more information about schools and see if we ve approved your program. Use the GI Bill Comparison Tool  If you ve already started your program: \nTake your application to your school or employer. Ask your school to fill out a VA Enrollment Certification VA Form 22 - 1999 and send it to us along with your application.", "About VA insurance options and eligibility \nFind out which VA insurance programs may be right for you as a Veteran, service member, spouse, or dependent child.  How do I know which life insurance program I m eligible for? \nDifferent programs cover Veterans VGLI, service members SGLI, and family members FSGLI. You may also be able to get short - term financial coverage through TSGLI to help you recover from a traumatic severe injury. And if you re disabled because of an injury or illness caused or made worse by your active service , you may be able to get coverage through S - DVI to continue your life insurance beyond 2 years after you leave the military. Note: If you re ending your military tour of duty soon , you ll need to get new coverage quickly. In some cases , you must act within 120 days of leaving the military to be sure there s no break in your coverage.  VA life insurance options \nServicemembers Group Life Insurance SGLI Get group life insurance while you re serving. Family Servicemembers Group Life Insurance FSGLI Add coverage for your spouse and dependent children children who rely on you for financial support. Traumatic Injury Protection TSGLI Get short - term financial support to help you recover from a severe injury. Veterans Group Life Insurance VGLI Get group life insurance once you ve ended your service. Service - Disabled Veterans Insurance S - DVI If you re disabled because of an injury or illness caused or made worse by your active service , continue your life insurance beyond 2 years after you leave the military. Veterans Mortgage Life Insurance VMLI If you have a severe service - connected disability , get mortgage protection insurance for a home that s been adapted to meet your needs.", "The Program of Comprehensive Assistance for Family Caregivers \nIf you re a family member caring for a Veteran with disabilities , we want to support you. We recognize that family caregivers enhance the health and well - being of Veterans they care for in their home. Find out if you qualify for the Program of Comprehensive Assistance for Family Caregivers and how to apply.  We re working to give more family caregivers access to this program \nAs part of the VA MISSION Act , we re working to give more family caregivers access to this program so we can support them as they care for Veterans of all eras. We re in the process of putting in place the technology we need to support this expanded access. Then , the expansion will happen in 2 phases. First , family caregivers of Veterans who were seriously injured in the line of duty on or before May 7 , 1975, will become eligible for this program. After 2 years , family caregivers of Veterans who were seriously injured in the line of duty betweenMay 7 , 1975, and September 10 , 2001, will become eligible. Please check our MISSION Act website for ongoing updates. You can also call our caregiver support line at 855 - 260 - 3274 to learn about the many support services you can access now. We re here Monday through Friday , 8:00 a.m. to 8:00 p.m. ET. ", "Can I get benefits through the Program of Comprehensive Assistance for Family Caregivers? \nYou ll qualify for this program based on your Veteran s qualifications. You may be eligible if the Veteran you re caring for meets both of the requirements listed below. Both of these must be true. The Veteran you re caring for : Has a serious injury including traumatic brain injury, psychological trauma, or other mental disorder that was caused or made worse by their active - duty service on or after September 11 , 2001, and because they can t perform one or more activities of daily living and/or needs supervision or protection based on symptoms of lasting neurological damage or injury Needs personal care services Answer a few questions to find out if you meet the criteria for this program. Find out if you qualify and download an application Download our fact sheet for more eligibility information PDF  What benefits can I get with this program? \nYour Veteran can appoint 1 primary main caregiver and up to 2 secondary caregivers people who serve as backup support to the primary caregiver when needed. Your benefits will depend on whether you re the primary caregiver or a secondary caregiver. If you re the primary caregiver , you may receive : Caregiver education and training A monthly stipend payment Travel, lodging, and financial assistance when traveling with the Veteran to receive care Access to health care benefits through the Civilian Health and Medical Program of the Department of Veterans Affairs CHAMPVA if you don t already qualify for care or services under another health care plan. Learn more about CHAMPVA Mental health services and counseling Up to 30 days per year of respite care ", "How do I get these benefits? \nYou ll need to apply for these benefits. To apply , fill out an Application for the Program of Comprehensive Assistance for Family Caregivers VA Form 10 - 10CG. You ll need identification and health coverage information for both you and your Veteran and you ll both need to sign and date the form. Download VA Form 10 - 10CG PDF Mail the form and any supporting documents to : Program of Comprehensive Assistance for Family CaregiversHealth Eligibility Center2957 Clairmont Road NE , Ste 200Atlanta, GA 30329 - 1647 Or apply in person by bringing the application to your local VA medical center caregiver support coordinator. To find the name of your local coordinator : Contact the Caregiver Support Line at 855 - 260 - 3274, or Use our online caregiver support coordinator search tool If you need help filling out the form , you can contact your local coordinator, or call our main VA information line at 877 - 222 - 8387.", "VA Vocational Rehabilitation (Chapter 31) \nIf you have a service - connected disability that limits your ability to work or prevents you from working , the VA Vocational Rehabilitation and Employment VR&E program also referred to as Chapter 31 can help. Find out if you re eligible and how to apply for vocational rehabilitation benefits and services, like help exploring employment options and any required training needs. In some cases , your family members may also be eligible for certain benefits. \n\nFor service members and Veterans with service-connected disabilities \nVR&E programs for service members and VeteransExplore VR&E support - and - services tracks for help learning new skills, finding a new job, starting a business, getting educational counseling, or returning to your former job. EligibilityFind out if you can get VR&E benefits and services as a service member or Veteran. How to applyFind out how to apply for VR&E benefits and services as a service member or Veteran. Accessing VR&E through the Integrated Disability Evaluation System IDES If you're wounded, injured, or fall ill while serving and can't perform your duties , find out how you can access VR&E services as soon as possible through IDES. \n\nFor family members of service members and Veterans with service-connected disabilities \nDependent family membersFind out if you're eligible for certain counseling services, training, and education benefits. \n\nMore helpful resources \nVetSuccess on CampusFind out if our counselors can help you transition from military to college life. External resourcesGet links to more resources outside VA that can help you in your job search.", "Eligibility for VA disability benefits \nReview VA disability benefits eligibility criteria to find out if you can get disability compensation for an illness or injury that was caused by or got worse because of your active military service. Compensation may include financial support and other benefits like health care.  Am I eligible for VA disability compensation? \nYou may be able to get VA disability benefits or compensation if you have a current illness or injury known as a condition that affects your body or mind and you meet at least one of the requirements listed below. Both of these must be true. You: Served on active duty, active duty for training, or inactive duty training, and Have a disability rating for your service - connected condition And at least one of these must be true. You: Got sick or injured while serving in the military and can link this condition to your illness or injury called an inservice disability claim , or Had an illness or injury before you joined the military and serving made it worse called a preservice disability claim , or Have a disability related to your active - duty service that didn t appear until after you ended your service called a postservice disability claim  Presumed disabilities \nA chronic long - lasting illness that appears within one year after discharge , or An illness caused by contact with contaminants toxic chemicals or other hazardous materials , or An illness caused by your time spent as a prisoner of war POW ", "Who s covered? \nVeterans Qualified dependents  What should I do if I received an other than honorable, bad conduct, or dishonorable discharge? \nIf you ve received one of these discharge statuses , you may not be eligible for VA disability benefits. There are 2 ways you can try to qualify : Find out how to apply for a discharge upgradeLearn about the VA Character of Discharge review process  What conditions are covered by these benefits? \nYou may be able to get VA disability benefits for conditions such as : Chronic long - lasting back pain resulting in a current diagnosed back disability Breathing problems resulting from a current lung condition or lung disease Severe hearing loss Scar tissue Loss of range of motion problems moving your body Ulcers Cancers caused by contact with toxic chemicals or other dangers You may also be able to get VA disability benefits for : Traumatic brain injury TBI Posttraumatic stress disorder PTSD Depression Anxiety Get more information about conditions that may be covered  Get more information \nWatch our Compensation 101 videos to learn more about how VA disability compensation works : Compensation 101 : What is disability compensation? Compensation 101 : What is service connection? How VA assigns disability ratingsLearn how we assign severity ratings and how they affect your disability payments. that appear within one year after dischargeIf you Disabilities have signs of an illness that started within a year after you were discharged from active service , find out if you can get disability benefits.", "Frequently asked questions about decision reviews \nOn this page \nWhat s new and relevant evidence? What s Duty to Assist? What if I miss the deadline for submitting my request? What should I expect if I request a call with a senior reviewer? What should I expect if I request a hearing with a Veterans Law Judge? What if I want to change my review option after submitting a form? How do I opt in if I want my legacy claim or appeal to be considered in the modernized system?  What s new and relevant evidence? \nIn order to file a Supplemental Claim , you have to add evidence that s both new and relevant. New evidence is information that VA didn t have before the last decision. Relevant evidence is information that could prove or disprove something about your case. VA can t accept a Supplemental Claim without new and relevant evidence. You can either submit the evidence yourself or identify evidence, like medical records, that you d like VA to get for you.  What s Duty to Assist? \nVA s Duty to Assist requires VA to assist you in getting evidence, such as medical records, that s needed to support your case. VA s Duty to Assist applies during your initial claim and if you file a Supplemental Claim. If you request a Higher - Level Review or Board Appeal , Duty to Assist doesn t apply. However , the reviewer or judge will look at whether VA met its Duty to Assist during your initial claim or Supplemental Claim , and if not, they ll have VA correct that error. Your review may take longer if this is needed. ", "What if I miss the deadline for submitting my request? \nSubmitting your request on time will ensure that you receive the maximum benefit if your case is granted. Please check the deadline for each review option and submit your request before that date. If the deadline has passed , you can either : Add new and relevant evidence and file a Supplemental Claim. Because the deadline has passed , the effective date for benefits will generally be tied to the date VA receives the new request, not the date VA received your initial claim. Send a letter to VA requesting that it revise the decision based on a Clear and Unmistakable Error CUE. CUE is a specific and rare kind of error. To prove CUE , you must show that the correct facts, known at the time, were not before VA or that VA incorrectly applied the law as it existed at the time. It must be undebatable that an error occurred and that this error changed the outcome of your case. Misinterpretation of the facts or a failure by VA to meet its Duty to Assist aren t sufficient reasons. Please seek guidance from a qualified representative, as you can only request CUE once per decision. If you disagree with a Board decision , your decision will have information on additional ways to address errors.  What should I expect if I request a call with a senior reviewer? \nIf you request an informal conference with a senior reviewer on the Higher - Level Review option , they ll call the phone number that you or your representative provided on the Higher - Level Review form to schedule a time to discuss your case with you. The senior reviewer will try to reach you or your representative by phone twice. If no one answers , they ll leave a voice mail. During the call , you and/or your representative can talk about why you think the decision should be changed and identify errors. There won t be transcripts of this call. ", "What should I expect if I request a hearing with a Veterans Law Judge? \nYou have the option to request a hearing with a judge. A video conference hearing will take place at a VA location near you. At your hearing , you and the judge will have a conversation. The judge will listen to your testimony. The judge may ask you a few questions. Your representative , if you have one , may help you at the hearing. The hearing will be transcribed and added to your appeal file. You can add new and relevant evidence within 90 days after the hearing , but it isn t required.  What if I want to choose a different review option after I ve already submitted a form? \nIf you ve submitted a form and want to change your review option , you can send in a new decision review request form within 1 year from the date on your VA decision. You must include a letter that says you want to withdraw your existing review and switch to a different option. If you requested a Board Appeal and want to switch to a different appeal option , you can send in a new Board Appeal form with a different option selected. You can switch appeal options within 1 year from the date on your VA decision or 60 days from the date you submitted your original form. You can t select a different appeal option if you ve already submitted evidence or had a hearing. ", "How do I opt in if I want my legacy claim or appeal to be considered in the modernized system? \nIf you disagree with a VA decision you received before February 19 , 2019 , you can opt in to the modernized review system after you ve received a VA Statement of the Case SOC or Supplemental Statement of the Case SSOC. To get either a SOC or an SSOC , you must file a Notice of Disagreement VA Form 21 - 0958 within 1 year of the date on your decision. Find out how to file a Notice of Disagreement After you receive either a SOC or an SSOC on the issue in your Notice of Disagreement , you have 60 days or the remainder of the 1-year period following the decision you appealed, whichever is later, to opt in to the modernized system by submitting one of the following forms and checking the SOC / SSOC opt - in box : Decision Review Request : Supplemental Claim VA Form 20 - 0995 Decision Review Request : Higher - Level Review VA Form 20 - 0996 Decision Review Request : Board Appeal VA Form 10182 Download the forms or learn more about decision review options", "Work study \nFind out how our Veterans work - study program can help you earn money while you re enrolled in a college, a vocational school, or professional training program.  Can I take part in the Veterans work-study program? \nYou can take part in our work - study program if you meet all of the requirements listed below. All of these must be true. You: Are enrolled at least three - quarter time in a college degree, vocational, or professional program , and Have found an open job either at a nearby VA facility or in a VA - related role at your school , and Can finish the work - study contract while you still qualify for education benefits , and Are using an approved VA education benefits program to pay for your education or training Approved VA education benefits programs include : Post-9/11 GI Bill for Veterans Post-9/11 GI Bill for family members using transferred benefits Montgomery GI Bill Active Duty MGIB - AD Montgomery GI Bill Selected Reserve MGIB - SR Veterans Educational Assistance Program VEAP Survivors and Dependents Educational Assistance (DEA) (Note: Dependents who qualify under 38 U.S.C. Chapter 35 may use work study only while enrolled at a school in one of the 50 states.) National Call to Service Vocational rehabilitation and employment  What kind of benefits can I get? \nYou can get paid to work a part - time job while you study.  How do I get these benefits? \nYou ll need to apply for the work - study program by filling out an Application for Work - Study Allowance VA Form 22 - 8691. Download VA Form 22 - 8691 PDF If you have any questions about the program , contact the VA regional processing office that handles your claim. Contact your VA regional processing office If you have questions about other sources of financial assistance , contact your school s financial aid office. ", "What kind of job can I get? \nYou can get a job that s related to VA work, meets your interests, and fills a need. For example , you can work for a : VA facility Department of Defense , Coast Guard , that oversees MGIB - SR or REAP or National Guard location State Veterans agency to help Veterans get Vocational Rehabilitation and Employment benefits Center of Excellence for Veteran Student Success to support the academic, financial, physical, and social needs of Veteran students that we run together with a college, university, or other institution of higher learning Cooperative program College , university , or other institution of higher learning in any Veteran - related role. For example , you could help Veteran students with general questions about Veteran benefits, process documents for Veterans, or maintain and organize Veteran - related files.  How much will I earn? \nYou ll earn an hourly wage that s the same as the federal minimum wage or your state minimum wage, whichever is greater. If your school usually pays students more for the job you re doing , they may pay you the difference between the amount we pay and their usual rate.  How will I get paid? \nYou may elect to be paid in advance for 40% of the hours in your work - study agreement, or for 50 hours, whichever is fewer. After you ve worked the hours covered by your first payment , we ll pay you each time you finish 50 hours of service or every other week, whichever comes first. ", "When and how much can I work? \nYou can work during or between enrollment periods. You can t work more hours total than 25 times the number of weeks in your enrollment period. For example : If you re enrolled for a semester that lasts for 15 weeks , you can work up to 375 hours for that enrollment period.", "Montgomery GI Bill Active Duty (MGIB-AD) \nThe Montgomery GI Bill Active Duty MGIB - AD can help you pay for education and training programs. If you ve served at least 2 years on active duty , find out if you qualify for the MGIB - AD program.  Am I eligible for education benefits through the MGIB-AD program? \nYou can get education benefits through this program if you were honorably discharged and you meet the requirements of one of the categories below.  One of these categories must describe you \nCategory I \nAll of these are true. You: Have a high school diploma, GED, or 12 hours of college credit , and Entered active duty for the first time after June 30 , 1985 , and Had your military pay reduced by $100 a month for the first 12 months of service And at least one of these is true. You served continuously without a break for : 3 years , or 2 years if that was your agreement when you enlisted , or if you entered the Selected Reserve within a year of leaving active duty called the 2 by 4 program 4 years  Category II \nAll of these are true. You: Have a high school diploma, GED, or 12 hours of college credit , and Entered active duty before January 1 , 1977 or before January 2 , 1978, under a delayed enlistment program contracted before January 1 , 1977 , and Served at least 1 day between October 19 , 1984, and June 30 , 1985, and stayed on active duty through June 30 , 1988 or through June 30 , 1987, if you entered the Selected Reserve within 1 year of leaving active duty and served 4 years , and Had at least 1 day of entitlement left under the Vietnam Era GI Bill Chapter 34 as of December 31 , 1989 ", "Category III \nAll of these are true. You: Have a high school diploma, GED, or 12 hours of college credit , and Don t qualify for MGIB under categories I or II , and Had your military pay reduced by $1,200 before separation And one of these is true. You: Were on active duty on September 30 , 1990 , and involuntarily separated not by your choice after February 2 , 1991, or Involuntarily separated on or after November 30 , 1993 , or Chose to voluntarily separate under either the Voluntary Separation Incentive VSI program or the Special Separation Benefit SSB program  Category IV \nBoth of these are true. You: Have a high school diploma, GED, or 12 hours of college credit , and Had military pay reduced by $100 a month for 12 months or made a $1,200 lump - sum contribution meaning you paid it all at once And one of these is true. You: Were on active duty on October 9 , 1996 , had money left in a VEAP account on that date, and chose MGIB before October 9 , 1997 , or Entered full - time National Guard duty under title 32, USC, between July 1 , 1985, and November 28 , 1989 , and chose MGIB between October 9 , 1996, and July 9 , 1997  What benefits can I get? \nYou may get up to 36 months of education benefits. We ll pay the benefits monthly. The amount you ll receive depends on these factors : Your length of service , and The type of educational or training program you choose , and Your category as defined above , and Whether you qualify for a college fund or kicker , and How much you ve paid into the $600 Buy - Up program Learn more about the $600 Buy - Up program Note: You usually have 10 years to use your MGIB - AD benefits. This may change depending on your situation. ", "How do I get these benefits? \nFollow the steps below to apply for these benefits.  Make sure we've approved your program \nBefore you enroll , contact the school or use the GI Bill Comparison Tool to find out if we ve approved your program for VA educational benefits. If you have questions , call us at 888-GIBILL-1 888 - 442 - 4551. We're here Monday through Friday , 8:00 a.m. to 7:00 p.m. ET. If you have hearing loss , call TTY : 711. Or submit a question through the GI Bill website. Use the GI Bill Comparison Tool Ask a question online Note: If you want to enroll in a program that we haven t approved , you ll need to ask the school to request approval. We can t take any action until an official from your school not you requests approval. If we don t approve your program , you ll have to pay all costs at the school, including tuition and fees.  Apply for benefits \nYou can submit your Application for VA Benefits VA Form 22 - 1990 online. Apply online now You can also apply by mail, in person, or with the help of a trained professional. Learn more about other ways to apply  Ask your school or training program to certify your enrollment \nThe certifying official may be someone in your school's financial aid, Veterans affairs, registrar, admissions, or counseling office. For on - the - job training or an apprenticeship , the official may be someone in your school's training, finance, or human resources office. Note: You'll then need to verify your enrollment at the end of each month to keep receiving payments. You can verify your enrollment online through our Web Automated Verification system called \" WAVE \" or by phone by calling 877 - 823 - 2378. Verify your enrollment online ", "How can I use my MGIB-AD education benefits? \nYou can use your GI Bill benefits in many ways to advance your education and training. Find out how to use your GI Bill benefits In some cases , we may help you pay for : Remedial courses classes some students must take to build up their basic skills in math, reading, or English before they can take regular college courses Deficiency courses classes some students must take in order to be admitted to a certain college Refresher courses brief courses that help people review and improve their knowledge in a certain subject area See current payment rates  Can I qualify for more than one VA education benefit? \nYes. You may qualify for more than one education benefit. If you re eligible for more than one , you ll need to decide which to receive. You can t receive benefits under more than one program at a time. We can help you make this decision. Call us at 888-GI - BILL-1 888 - 442 - 4551 , Monday through Friday , 8:00 a.m. to 7:00 p.m. ET. If you have hearing loss , call TTY : 711. GI Bill is a registered trademark of the United States Department of Veterans Affairs VA. The absence of the registration symbol does not constitute a waiver of VA s trademark rights in that phrase. Read our Terms of Use", "View your VA payment history \nFind out how to view your VA payment history online.  You ll need to sign in to eBenefits to view your payment history. \nTo use this feature , you'll need a Premium DS Logon account. Your My HealtheVet or ID.me credentials won t work on the eBenefits website. Go to eBenefits to sign in, register, or upgrade your DS Logon account to Premium. Go to eBenefits to view payments  What VA payment information can I view when I sign in? \nIf you re a Veteran , you ll see a history of your past VA payments for : Disability compensation Pension benefits Education benefits If you re the survivor of a Veteran or service member , you ll see a history of your past VA payments for : Survivors pension benefits Survivors' and Dependents' Educational Assistance Chapter 35 benefits Dependency and Indemnity Compensation DIC  When can I expect my first disability compensation payment? \nIf your decision notice shows at least a 10% disability rating , you ll get your first payment within 15 days. If you don t get a payment within 15 days , please call the Veterans Help Line at 800 - 827 - 1000 TTY : 800 - 829 - 4833. We re here Monday through Friday , 8:00 a.m. to 9:00 p.m. ET.  What should I do if I need to change my direct deposit or contact information? \nChange your information in either of these ways \nChange your information online , or Contact your nearest VA regional benefit office or eligibility office ", "Change your address through your VA.gov profile \nYou can sign in to VA.gov and change your address and other contact information in your VA.gov profile. This will update your information across disability compensation, pension benefits, claims and appeals, Vocational Rehabilitation & Employment VR&E, and VA health care. Find out how to change your address on file with VA  Should I contact VA if I have other changes to my information? \nYes. It s important to update your information with us if you change your marital status, have a baby, adopt a child, or experience any other life change that could affect your rating or payment. If you have a disability rating of 30% or higher , you may be able to add eligible dependents to your VA disability compensation to get a higher payment also called a benefit rate. Find out how to add eligible dependents If your disability gets worse , you can file a claim for an increase in benefits. File for a VA disability increase", "Board hearings with a Veterans Law Judge \nThe process for Board hearings has changed \nIf you're appealing a VA decision under the new process , keep reading below to learn how to request and prepare for a hearing. You'll follow the new process if you're : Appealing a VA decision you received on or after February 19 , 2019 Participating in the Rapid Appeals Modernization Program Opting into the new process using VA Form 10182 If you re using VA Form 9 to appeal a VA decision you received before February 19 , 2019,go to the Board of Veterans' Appeals BVA Hearing page  Why should I consider requesting a Board hearing? \nYou can request a video conference hearing if you want to provide testimony to a judge about your appeal. The hearing will be transcribed and added to your appeal file.  Am I required to have a Board hearing? \nYou aren t required to have a hearing. A Board hearing is always optional.  Learn more about Board hearings \nRequest a Board hearing Prepare for your Board hearing Find out what to expect at your Board hearing Reschedule or withdraw your Board hearing request  Request a Board hearing \nHow do I request a Board hearing? \nWhen you fill out the Decision Review Request: Board Appeal VA Form 10182, select block 11c, Hearing with a Veterans Law Judge. \" Download VA Form 10182 PDF Learn more about requesting a Board Appeal  How will I know when my hearing is scheduled? \nThe Board of Veterans Appeals schedules hearings in docket order the order in which they receive requests. You ll get a notice in the mail at least 30 days before your hearing is scheduled. It will let you know the date and time of the hearing and where it s located. ", "Prepare for your Board hearing \nCan I bring evidence to my hearing? \nYes , you can bring new and relevant evidence to your hearing to share with the judge. You also have 90 days after the day of your hearing to submit new evidence for the judge s review. Please don t submit new evidence prior to your hearing.  Who can help me prepare for my hearing? \nA representative who s trained in the appeals process can help you prepare for your hearing and for the conversation with the judge. Your representative must be a VA - accredited lawyer, claims agent, or someone from a Veterans Service Organization VSO. Get help preparing for your hearing  Find out what to expect at your Board hearing \nWhat will happen at my hearing? \nTo start , the judge will swear you in, asking you to take an oath that you ll tell the truth during the hearing. You and the judge will have a conversation. The judge will listen to your testimony and may ask you a few questions. Your representative , if you have one , may help you at the hearing. You ll then : Tell the judge why you think you qualify for the VA benefits in your appeal Answer any questions the judge has about your appeal Share any new evidence with the judge Hearings usually last 30 minutes.  When will the judge make a decision on my appeal? \nYour hearing will be transcribed and added to your appeal file. You ll be asked if you d like a copy of the transcript for your personal records. The judge will review the hearing and the other evidence in your appeal file before making a decision. When the 90-day time period for submitting new evidence closes , your case will be placed on the docket for a decision by a judge. If you don t have new evidence to submit , you can waive the 90-day time period that s automatically added to your appeal. Some Veterans Service Organizations will ask for time to make additional arguments in support of your case, so contact your representative first if you re thinking of waiving this time period. ", "Reschedule or withdraw your Board hearing request \nWhat if I need to reschedule my hearing? \nYou ll need to send a written request to the Board of Veterans Appeals providing good cause to reschedule your hearing at least 2 weeks before your hearing. Include your name, the VA file number for your appeal, and the reason why you need a new hearing date. Send your written request to the Board. Use the address or fax number listed below If your hearing is less than 2 weeks away , you ll need to file a motion explaining why you need to reschedule. Examples of good cause for rescheduling would include if you, your representative, or a witness are sick or you had trouble getting records. A judge will review your request , and you ll receive a notice in the mail when the judge decides if the hearing can be rescheduled.  Will I lose my place in line if I reschedule my hearing? \nYou won t lose your place in line. The Board of Veterans Appeals schedules hearings in docket order the order in which they receive requests. You ll keep the same docket date , and your hearing will be rescheduled to the earliest date possible.  What if I need to withdraw my hearing? \nIf you change your mind about having a hearing , you can write to the Board to withdraw cancel your hearing request. This won t speed up your appeal unless you also switch to the Direct Review appeal option, which can only be done at certain times. If you switch to a different appeal option , you ll keep the same docket date and your appeal will be decided at the same time as other appeals with the same date. However , the time it takes to get a decision is different on each docket. If you need to withdraw your hearing request , you or your representative should send a written request at least 2 weeks before your hearing. Include your name, the VA file number for your appeal, and the reason you re withdrawing the appeal. You still have the option to submit new evidence, as long as you send it to the Board within 90 days of withdrawing your hearing request. Send your written request to the Board using the address or fax number listed below. ", "Where do I send the Board a written request or new evidence? \nYou can mail or fax a written request to reschedule or withdraw your Board hearing. You can also submit new evidence for the judge to review within 90 days of the day of your hearing.  By mail \nBoard of Veterans AppealsPO Box 27063Washington , D.C. 20038  By fax \nFax your request to 844 - 678 - 8979.", "Add dependents to your VA disability benefits \nFind out how to add a dependent spouse, child, and/or parent to your VA disability benefits for additional compensation.  Am I eligible for additional VA disability compensation for my dependent(s)? \nYou may be eligible for additional disability compensation for a spouse, child, and/or parent if you meet both of the requirements listed below. Both of these must be true. You: Are eligible for VA disability compensation , and Have a combined disability rating of at least 30 % Adding a dependent may make you eligible to receive a higher compensation payment also called a benefit rate.  Who does VA consider a dependent? \nA dependent is : A spouse Note: we recognize same - sex and common - law marriages A parent , if you re directly caring for them and their income and net worth are below a certain amount who meets one of the eligibility requirements listed below An unmarried child including an adopted child or stepchild To be considered a dependent , one of these must be true of an unmarried child. They: Are under 18 years old , or Are between the ages of 18 and 23 years old and enrolled in school full time , or Became permanently disabled before they turned 18  When should I add a dependent to my benefits? \nThis depends on where you are in the process of filing for disability compensation.  If you haven t yet filed a claim for disability compensation \nYou can file a claim for additional compensation for a dependent at the same time as you file your original claim for disability compensation. If you receive a combined disability rating of at least 30% , we ll automatically consider your eligibility for additional compensation for your dependent. Find out how to file a claim for disability compensation ", "If you have one or more dependents, but you didn t claim them when you originally filed for disability compensation \nIf you have a combined disability rating of at least 30% , you can file a claim for additional disability compensation now.  If something changes in your family status after you received a combined disability rating of at least 30% \nYou can file a claim for additional disability compensation whenever you add a dependent. You can add a dependent if : You get married You have or adopt a child Your child is between 18 and 23 years old and enrolled in school full time We determine that your child, who is at least 18 years old, became permanently disabled before turning 18 You become the caregiver for a parent whose income and net worth is below a certain amount  How do I add a dependent to my benefits? \nTo file a claim for additional disability compensation for a child or spouse \nYou can file a claim for additional compensation for a child or spouse online right now through our eBenefits website. Note: You may need to provide more information or forms along with your claim. Go to eBenefits to add a dependent child or spouse If you re claiming your child who became permanently disabled before they turned 18 , you ll need to turn in all private medical records relating to the child s disabilities with your application. If your dependent is a child who s between 18 and 23 years old and attending school full time , you ll also need to submit a Request for Approval of School Attendance VA Form 21 - 674 with your application. Download VA Form 21 - 674 PDF ", "To file a claim for additional disability compensation for a dependent parent \nYou ll need to fill out and submit a Statement of Dependency of Parent VA Form 21P-509 by mail or fax. Download VA Form 21P-509 PDF Please send all correspondence related to compensation claims to this address : Department of Veterans Affairs Evidence Intake Center PO Box 4444 Janesville , WI 53547 - 4444 Or fax it to : 844 - 531 - 7817 if you live in the U.S. , if you live outside of the U.S. or + 1 - 248 - 524 - 4260  What if I need help with my claim? \nYou can work with an accredited Veterans Service Officer VSO. We trust these professionals because they re trained and certified in the VA claims and appeals process. A VSO can answer your questions or even file your claim for you. Get help filing your claim  More questions about adding a dependent to your VA disability compensation \nYes , but we encourage you to file online. The online process is simple , and you can upload your supporting documents along with your claim. When you file your claim online , we recognize the day you start the online claim process as the date VA received your claim. This means that if we decide you re eligible for additional disability compensation, we ll pay you back to this date. If you can t, or don t want to file online , you can file a claim for additional disability compensation by mail or fax using the forms below : For a spouse or a child under 18 years of age , you ll need to fill out a Declaration of Status of Dependents VA Form 21 - 686c. Download VA Form 21 - 686c PDF For a child who s between 18 and 23 years old and attending school full time , you ll need to fill out both VA Form 21 - 686c and a Request for Approval of School Attendance VA Form 21 - 674. Download VA Form 21 - 686c PDF Download VA Form 21 - 674 PDF For a dependent parent , you ll need to fill out a Statement of Dependency of Parent VA Form 21P-509. Download VA Form 21P-509 PDF Mail your completed form to : Department of Veterans Affairs Evidence Intake Center PO Box 4444 Janesville , WI 53547 - 4444 Or fax them to : 844 - 531 - 7817 if you live in the U.S. , if you live outside of the U.S. or + 1 - 248 - 524 - 4260 You can file your claim again online for a faster decision. If we award you additional disability compensation , we ll give you back pay from the original date we received your paper form. We may pay you back to the date of your marriage or the birth or adoption of your child if you meet all of the requirements listed below. All of these must be true. You: Had already received a combined disability rating of at least 30% at the time of the marriage, birth, or adoption , and File your claim for additional disability compensation for the dependent within a year of the marriage, birth, or adoption, and Respond within a year to our request for any more information or evidence needed to confirm your claim If it s been more than one year since you got married or had or adopted a child , we may not pay you back to the date of the marriage, birth, or adoption. Instead , we may pay you back only to the date we received your claim for additional disability for the dependent or, in some cases, up to a year before before this date. We ll begin paying you within 2 weeks after we approve your claim. You can check this through your eBenefits account. Sign in to your account. Then click the Dependents link under the My Profile section. If you see your dependent listed there , you should be eligible for additional compensation for them. If they re not listed , you should file a claim for the additional benefit. Go to eBenefits ", "Questions about adding or removing certain kinds of dependents \nIf you and your spouse are both Veterans with a combined disability rating of at least 30% , you can both receive additional disability compensation for each other and for your children. You should know: It ll take us longer to process your claim if your spouse is also a Veteran. But if you file your claim online, and we decide you re eligible for additional disability compensation for your dependent , we ll pay you back to the date you started the online claim process. You can submit a request through eBenefits asking us to stop paying additional disability compensation for a spouse or child. We ll need more time to process a request that involves a child than a request that involves a spouse , but the online process is still much faster than submitting a paper request. If you get divorced , you ll want to notify us right away. You don t need to send or upload supporting documents to eBenefits in this case. This will help to make sure we don t continue paying you additional disability compensation for your former spouse and, if applicable, stepchildren after the divorce. If we continue paying you benefits that you re not eligible for , we may withhold money from future payments until you ve paid us back. Go to eBenefits You ll need to update your child s school information in eBenefits. Sign in to your account. Click Add or Remove Dependents you ll find it under the Apply section on the homepage. Then select Update Dependents. Go to eBenefits No. We ll track your child s age based on the date of birth you give us when you submit your claim. When your child turns 18 , we ll stop paying additional disability compensation for them unless you let us know they re enrolled in school full time.", "VA claim exam (C&P exam) \nAfter you file your disability benefits claim , we may ask you to have a claim exam also known as a compensation and pension, or C&P, exam. Get answers to commonly asked questions about the VA claim exam below.  Be sure not to miss your scheduled exam. \nIf you miss your exam , we may not be able to reschedule you right away , and your claim may be delayed while you wait for a new appointment. Or we may need to rate your claim as - is. This means we ll base our decision about your disability benefits only on the evidence we have in your file, which may not be enough.  Why might I need a VA claim exam? \nThis exam will help us rate your disability. Your rating will be based on how severe your disability is and will affect how much disability compensation you ll receive. Compensation may include things like monthly payments and enrollment in the VA health care program.  Does everyone who files a claim need to have a VA claim exam? \nNo. We ll ask you to have a claim exam only if we need more information to decide your claim. If you have enough medical evidence in your file to support your claim , we won t ask you to have a claim exam. Medical evidence may include doctor and hospital reports, test results, and other documents. ", "How to schedule your VA claim exam \nThe staff at your local VA medical center or a local doctor s office that we partner with will contact you. They ll either send you a letter by mail with the date and time of your exam, or call you to find a time that works for you. Make sure both the VA regional office and the VA medical center nearest you have your up - to - date address, phone number, and email address so you get your exam notice in time. Call the number provided right away to confirm the time and location of your exam. It s important not to miss your scheduled exam , so you ll want to double check that you have the right place and time. If you can t make it to your appointment , let us know right away. You can most likely reschedule , but this may delay your claim. To reschedule your appointment : Call 800 - 827 - 1000 , or Go to your nearest VA regional benefit office. Find a VA regional benefit office near you  What to expect at your VA claim exam \nYou don t need to bring anything to your exam. If you have any new non - VA medical records like records from a recent surgery or illness , please be sure to submit them before your appointment. The health care provider can t review new information during the exam. If you have children , you ll need to plan ahead for childcare during your exam. Because you and the doctor may discuss sensitive topics , children shouldn t be in the room with you. On the day of the exam , you ll want to wear comfortable clothes so you can move freely while the doctor exams you. A VA claim exam isn t like a normal medical exam or other VA health care visits. The doctor won t treat you for any illness or injury, give you referrals to other health care providers, or prescribe medicine. That s because the purpose of the exam is to gather information that will help us make a decision on your claim. Each exam is different, depending on the information we need. During your exam , the doctor may do any or all of these things : Review your claim file with you Ask you questions based on the medical records in your claim file. These may include questions from the Disability Benefits Questionnaire for each service - connected condition you re claiming. Take a look at the Disability Benefits Questionnaires DBQs Perform a basic physical exam Ask you to get other tests like X - rays or blood work if needed If you have any questions about what s happening during your exam , feel free to ask the doctor. But keep in mind that the doctor s job is to examine you, not to make any decisions about your claim. They won t be able to answer questions about the claims process. After your exam , the doctor will write up a report and send it to a VA claims processor to be added to your claim file. Your exam may be very short , or it may last an hour or more. It all depends on the conditions you ve claimed and whether we need more information to make a decision. For example , the required questions the doctor asks about a knee injury may take only a few minutes. But the questions for a more complex illness or injury could take much longer. A mental health evaluation usually lasts 2 to 4 hours. It s important to remember that your in - person visit is only one part of the claim review process. The doctor will also spend time outside the exam carefully reviewing your records. Either a VA doctor or a non - VA doctor who we ve contracted with will do the exam. You can also have your own doctor examine you and fill out the necessary forms. Get instructions for your doctor to fill out VA claim exam forms No. The doctor will give the exam results to our VA claims processors. Our claims processors will decide your claim based on these results, plus your other medical and military records. If you have questions about the claims process , call your nearest VA regional benefit office. Find contact information for your nearest VA regional benefit office If you miss your claim exam , contact us right away to let us know why you didn t make it. We can help you figure out what to do next. If you have what we consider to be a good reason for missing your exam called good cause , we ll work with you to reschedule your exam. Examples of good cause might be an illness or the death of someone in your immediate family. Find contact information for your nearest VA regional benefit office ", "After your VA claim exam \nWe ll review all the evidence in your file, assign your disability rating, and send you a decision notice a letter letting you know your disability rating. Each claim is different , but it usually takes us about 3 to 4 months to process a claim from start to finish. The processing time for your claim depends on how complex your claim is and how many conditions you ve claimed. See our most recent estimate for the average number of days to complete a claim Sign in to track your claim Yes. To get a copy of the final report from your exam , you can : Contact your nearest VA regional benefit office , or Call us at 800 - 827 - 1000 and request an appointment to view your file Our VA claims processors will review : you ve given us The medical records The report from the doctor who handled your claim exam, and the results of any ordered medical tests Statements from you and others about your claim Your military medical and personnel records We may ask you to have a claim exam if you appeal your disability benefits decision. Learn more about appealing a decision  What if I have more questions about my exam? \nDownload helpful PDFs \nVA claim exam fact sheet A quick guide on the claim exam process , what you can expect during and after your exam and to help make the claim exam process easier and less stressful VA claim exam tips Tips VA claim exam FAQs Answers to frequently asked questions about the claim exam process Step - by - step VA claim process A quick, step - by - step overview of the claim process and exam Mental health exam fact sheet Information about how we evaluate mental health claims for compensation , why it s important to go to your exam and Review exams fact sheet Information about why and when we request review exams, what will happen at the exam, and why it s important to go to your exam ", "Watch informational videos \nYou can also watch our VA claim exams video series. This series offers videos on how to prepare for your VA claim exam, how to use disability benefits questionnaires DBQs, and what to expect at claim exams for the most common disability claims. View the VA claim exams video series  More information about what happens after you file your claim \nHow VA assigns disability ratingsLearn how we assign severity ratings and how they affect your disability payments. Check claim and appeal statusTrack the status of your disability claims and appeals. Appeals processFind out what to do if you disagree with your disability rating decision.", "Eligibility for VA Vocational Rehab and Employment \nReview VA Vocational Rehab and Employment VR&E eligibility requirements for Veterans and active - duty service members. If you have a disability that was caused or made worse by your active - duty service and that limits your ability to work or prevents you from working , you may be able to get employment support or services to help you live as independently as possible.  If I m a Veteran, am I eligible for Vocational Rehab and Employment? \nYou may be eligible for VR&E benefits and services if you re a Veteran , and you meet all of the requirements listed below. All of these must be true. You: Didn t receive a dishonorable discharge , and Have a service - connected disability rating of at least 10% from VA , and Apply for VR&E services  Basic period of eligibility \nYour basic period of eligibility ends 12 years from the date you received notice of your : Date of separation from active military service , or First VA service - connected disability rating Please note: The basic period of eligibility may be extended if a Vocational Rehabilitation Counselor VRC finds that you have a serious employment handicap SEH. Having an employment handicap means your service - connected disability limits your ability to prepare for, obtain, and maintain suitable employment a job that doesn t make your disability worse, is stable, and matches your abilities, aptitudes, and interests. ", "If I m still on active duty, am I eligible for Vocational Rehab and Employment? \nYou may be eligible for VR&E benefits and services if you re a service member and you meet at least one of the requirements listed below. At least one of these must be true. You: Have a 20% or higher pre - discharge disability rating memorandum rating and will soon leave the military , or Are participating in the Integrated Disability Evaluation System IDES process or awaiting discharge due to a medical condition resulting from a serious injury or illness that occurred in the line of duty. Learn more about accessing VR&E services through IDES Please note: Severely injured active - duty service members can automatically receive VR&E benefits before VA issues a disability rating, because of Sec. 1631 of the National Defense Authorization Act PL 110 - 181.  What should I do if I received an other than honorable, bad conduct, or dishonorable discharge? \nIf you ve received one of these discharge statuses , you may not be eligible for VA benefits. There are 2 ways you can try to qualify : Find out how to apply for a discharge upgradeLearn about the VA Character of Discharge review process  How do I apply? \nYou can apply online right now. Go to eBenefits to apply Learn more about how to apply for VR&E Note : You can apply even if you re a service member without a disability rating yet. ", "What kind of VR&E services can I get? \nDepending on your needs and goals , services may include : to determine your abilities, skills, and interests for employment A complete evaluation Vocational counseling and rehabilitation planning for employment services Employment services such as job training, resume development, and other work - readiness support Help finding and keeping a job, including the use of special employer incentives and job accommodations On - the - job training OJT, apprenticeships, and non - paid work experiences Post - secondary training at a college, vocational, technical, or business school Supportive rehabilitation services including case management, counseling, and medical referrals if you re unable to work due to the severity of your disabilities Independent living services  If I m eligible for GI Bill benefits, can I get paid the Post-9/11 GI Bill subsistence rate for my VR&E program? \nIf you re participating in a VR&E program and also qualify for Post-9/11 GI Bill benefits , you can choose to get paid the GI Bill subsistence rate instead of the Chapter 31 subsistence allowance rate. In most cases the GI Bill rate is higher. You ll need to officially choose the GI Bill subsistence rate. Your VRC can help you with this. Contact your VRC for more information View the current Chapter 31 subsistence allowance rates View the current Post-9/11 GI Bill benefit rates  Get more information \nWe offer opportunities to get training and practical hands - on work experience at the same time through programs like : The VR&E Special Employer Incentives SEI program for eligible Veterans who face challenges getting a job. Download the SEI program fact sheet PDF The VR&E Non - Paid Work Experience NPWE program for eligible Veterans and service members who have an established career goal and learn easily in a hands - on environment or are having trouble getting a job due to lack of work experience. Download the NPWE program fact sheet PDF Watch this video to learn more about the NPWE program We also offer : VR&E employment coordinators located at our VA regional offices and many of our out - based locations who can help you access the employment services available to you. Find an employment coordinator near you Counselors to help you transition from military to college life. Learn about VetSuccess on Campus Links to more resources outside VA that can help you in your job search. See our list of external resources If you re participating in a VR&E employment program and lost your housing because of a natural or other disaster , you may qualify for 2 more months of the Employment Adjustment Allowance. Contact your VRC for more information Watch these videos to learn more about VR&E: VR&E Chapter 31 servicesVR&E s 5 tracks to employment ", "More information about VR&E benefits and services \nVocational Rehab programs for service members and VeteransExplore VR&E support - and - services tracks for help learning new skills, finding a new job, starting a business, getting educational counseling, or returning to your former job. How to apply for VA Vocational Rehab and EmploymentFind out how to apply for VR&E benefits and services as a service member or Veteran. Dependent family membersIf you're the dependent family member of a service member or Veteran with a service - connected disability, find out if you may be eligible for certain counseling services, training, and education benefits.", "Get a Veteran Health Identification Card (VHIC) \nLearn how to get a Veteran Health Identification Card VHIC. Find out what to do if your card is lost or stolen and what to do with any old ID cards you may have used for VA health care in the past.  What's a Veteran Health Identification Card, and how will I use it? \nWhen you re enrolled in VA health care , you ll use your Veteran Health Identification Card VHIC to check in to your appointments at VA medical centers. This secure ID card keeps your personal information safe while giving us the information we need to easily access your VA health record. You may also use this card to get discounts offered to Veterans at many stores, businesses, and restaurants. If you have a VHIC , you don t need to request another type of photo ID card to prove you re a Veteran or to get retail or business discounts. Note: You can t use your VHIC as a credit card or insurance card. It doesn't pay copays or authorize care at non - VA health facilities.  How do I get my VHIC? \nFirst , you ll need to be enrolled in VA health care. If you re not already enrolled , find out how to apply for VA health care.  After you receive your VA health care welcome call \nContact your nearest VA medical center and ask to speak with the enrollment coordinator. Ask the coordinator to help you arrange to get your picture taken for your new Veteran Health Identification Card. You can also ask for help with getting your picture taken at your next VA health care appointment. ", "When you get your picture taken \nYou ll need to show a current form of primary identification. Please bring your current, unexpired : State - issued driver s license , or U.S. passport or passport card , or Other government ID issued by a federal, state, or local government agency Note: This ID must show your picture and date of birth. If it doesn t also show your address , you ll need to bring a separate document to confirm your address. This may include your electric bill, cable bill, voter registration card, or another mailed document.  After we take your picture \nWe ll process your VHIC and send it to you by mail. You should receive your card within 10 days.  What should I do if I don t receive my VHIC in the mail? \nIf it s been more than 10 days since you ve had your picture taken and you haven t received your card , please call the VA medical center where you had your picture taken. Or call us at 877 - 222 - 8387. We re here Monday through Friday , 8:00 a.m. to 8:00 p.m. ET. If you have hearing loss , call TTY : 711.  What should I do if my VHIC is lost or stolen? \nYou can request a replacement card at the VA medical center where you had your picture taken. You ll need to bring your driver s license, passport, or other government ID or be able to answer a series of challenge questions so we can verify your identity before we give you a new card. If you ve changed your medical center since getting 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. to 8:00 p.m. ET. Our staff will need to verify your identity with a series of challenge questions before we can send a new card. ", "What should I do with my old Veterans identification card? \nPlease destroy it by cutting it up or shredding it. We want all Veterans who are enrolled in VA health care to have the new VHIC. This new card offers even more security to protect your personal information. It also offers other helpful new features. These include \" VA \" printed in braille to help Veterans with low vision to quickly recognize the card as well as a display of your latest branch of service emblem and a list of special awards you may have received.", "Transfer your Post-9/11 GI Bill benefits \nFind out if you can transfer any of your unused Post-9/11 GI Bill benefits to your spouse or dependent children. Note : The Department of Defense DoD decides whether you can transfer GI Bill benefits to your family.  Can I transfer benefits? \nYou can transfer education benefits if you re on active duty or in the Selected Reserve and you meet the requirements listed below. At least one of these must be true : You have completed at least 6 years of service on the date your request is approved and you agree to add 4 more years of service , or You have completed at least 10 years of service on the date your request is approved, can t commit to add 4 more years of service because of either a policy or statute, but agree to serve for the maximum amount of time allowed And this must also be true : The person getting benefits has enrolled in the Defense Enrollment Eligibility Reporting System DEERS.  Who s covered? \nQualified dependents  What benefits can my qualified dependents get? \nIf the DoD approves the Transfer of Entitlement TOE , your spouse or dependent children can apply for up to 36 months of benefits, and may be able to get money for : Tuition Housing Books and supplies  When can they use the transferred benefits? \nThese conditions apply to family members using transferred benefits : ", "Spouses \nMay use the benefit right away May use the benefit while you re on active duty or after you ve separated from service Don t qualify for the monthly housing allowance while you re on active duty May use the benefit for up to 15 years after your separation from active duty  Children \nMay start to use the benefit only after you ve finished at least 10 years of service May use the benefit while you re on active duty or after you ve separated from service May not use the benefit until they ve gotten a high school diploma or equivalency certificate , or have reached 18 years of age Qualify for the monthly housing allowance even when you re on active duty Don t have to use the benefit within 15 years after your separation from active duty , but can t use the benefit after they ve turned 26 years old. Your dependents may still qualify even if a child marries or you and your spouse divorce. However , service members and Veterans can revoke cancel or change a TOE at any time. If you want to totally revoke transferred benefits for a dependent and you re still in the service , please turn in another transfer request for the dependent through milConnect. If a dependent s transfer eligibility ability to get a TOE has been totally revoked , you can t transfer benefits again to that dependent. ", "How do I transfer the benefit? \nWhile you re still on active duty , you ll request to transfer, change, or revoke a Transfer of Entitlement TOE through milConnect. You can t apply for a TOE through us. Transfer , change , or revoke a TOE If the DoD approves the TOE , your family members may apply for benefits. Apply online now , or Apply by mail. Fill out and mail an Application for Family Member to Use Transferred Benefits VA Form 22 - 1990E to the nearest VA regional benefit office. Download VA Form 22 - 1990E PDF Find your nearest VA regional benefit office Once you leave active duty , you can still provide a future effective date for when the TOE can be used, change the number of months transferred, or revoke the TOE by submitting a written request to VA through milConnect.  Get more information \nDoD website for information on transferring benefits Fact sheet on transferring Post-9/11 GI Bill benefits PDF To find out if you qualify, the status of your transfer request, and how to use the TEB Portlet for service - specific questions , please contact the right career counselor or personnel center from this list : Army Active - Duty Officer Email Army Active - Duty Enlisted Email Army National Guard Email Army Reserve Enlisted and Officer Email Navy Active - Duty Personnel 866-U - ASK - NPC 866 - 827 - 5672 or DSN 882 - 5672 Navy Reserve 800 - 621 - 8853 , Fax : 757 - 444 - 7597/7598 Email Marine Corps Active - Duty Officer Email Marine Corps Active - Duty Enlisted Email Marine Corps Reserve Email Air Force Active Duty 800 - 525 - 0102 or 210 - 565 - 5000 or DSN 665 - 5000 Air National Guard Contact unit retention manager Air Force Reserve Email Coast Guard Active Duty Email Coast Guard Reserve Email NOAA Email or 301 - 713 - 7728 PHS Email or 240 - 453 - 6130", "Access your VA life insurance policy online \nIf you have VA life insurance , the easiest way to manage your policy is online. You can use your online portal to : Check your policy s status to make sure it s up to date Pay your premium the amount you ll pay each month to keep your coverage Find out about your plan and renewal options. These will depend on which type of plan you have. Update your beneficiary the person you ve picked to get the money from your policy if you die. You ll want to review your beneficiary information at least once a year to make sure the name and contact information is still correct. You ll also need to review the information and make any changes if you get divorced, have a child, or go through other big life changes. \n\nHow do I access my policy? \nIf you have a VA life insurance policy with a file number that starts with a V, RH, J, RS, K, or W or if you d like to apply for service - disabled life insurance life insurance for Veterans who have become disabled as a result of serving in the military, access your policy online through VA.Find your policy through VA If you have a Veterans Group Life Insurance VGLI policy with a VGLI control number , access your policy online through the Office of Servicemembers Group Life Insurance at Prudential Insurance Company of America. Prudential works with us to provide SGLI and VGLI benefits to service members and Veterans. Find your policy through Prudential Insurance Company of America", "VA Dental Insurance Program (VADIP) \nThe VA Dental Insurance Program VADIP offers discounted private dental insurance for Veterans and family members who meet certain requirements. Find out if you're eligible, and how to enroll in a plan that meets your needs and budget.  Am I eligible for the VA Dental Insurance Program? \nYou may be eligible for VADIP if either of the below descriptions are true for you. One of these must be true. You're: A Veteran who's enrolled in VA health care , or The current or surviving spouse or dependent child of a Veteran or service member , and you're enrolled in the Civilian Health and Medical Program of the VA CHAMPVA Note : Insurance carriers may offer separate coverage options for dependents who aren't CHAMPVA beneficiaries. VADIP provides coverage throughout the United States and its territories, including Puerto Rico, Guam, the U.S. Virgin Islands, American Samoa, and the Commonwealth of the Northern Mariana Islands.  About VA Dental Insurance Program benefits and how to enroll \nWhy might I want to buy private dental insurance through VADIP as a Veteran? \nWhile some Veterans enrolled in VA health care are eligible for free dental care from our providers , many are not. Others may be eligible for free care for some, but not all, of their dental needs. If you're not eligible for free VA dental care , VADIP can help you buy private dental insurance at a reduced cost. If you're eligible for free VA care for some of your dental needs , you can buy a VADIP plan if you want added dental insurance. Signing up for VADIP won t affect your ability to get free VA dental care. ", "What types of dental care does VADIP cover, and how much will it cost? \nVADIP plans cover many common dental procedures. These may include : Diagnostic services Preventive dental care to manage oral health problems and restore function called endodontic or restorative services Root canals and other services Dental surgery Emergency dental care The costs for your coverage will depend on the insurance company and plan you choose. Based on your plan , you'll pay : The full insurance premium for each individual on your plan Any required copays when you get care Read coverage details and compare VADIP plans and premium rates from: Delta DentalMetLife  How do I enroll in a VADIP plan? \nOnce you've chosen a Delta Dental or MetLife VADIP plan , you can enroll online at : Delta Dental orMetLife After you enroll , you can also use your insurance provider's website to manage your plan and benefits online.  I enrolled in the VADIP pilot program. Do I need to enroll again? \nYes. The VADIP pilot program ran from 2013 to 2017. If you were covered during that time , you ll need to enroll again to get new coverage. You should know that some of the plan options and fees may have changed.  How long can I keep this dental insurance? \nAt this time , we're allowed by law to continue this program until December 31 , 2021. Please check back for more information in the future. ", "What if I have more questions? \nFor questions about Delta Dental , call 855 - 370 - 3303. For questions about MetLife , call 888 - 310 - 1681.", "Fry Scholarships \nLearn about the the Marine Gunnery Sergeant John David Fry Scholarship Fry Scholarship, a scholarship for children and dependents of Veterans. If your parent or spouse was an active - duty service member who died in the line of duty on or after September 11 , 2001 , you may qualify for this benefit. Find out if you re eligible for education benefits through this scholarship.  Am I eligible for Fry Scholarship benefits? \nYou may be able to get benefits under the Fry Scholarship if you re the child or surviving spouse of an active - duty service member who died in the line of duty on or after September 11 , 2001.  As the child of a service member \nYou can be married or unmarried. If you turned 18 or graduated from high school before January 1 , 2013 , you can get a Fry Scholarship until you re 33 years old. If you turn 18 or graduate from high school after January 1 , 2013 , you can get a Fry Scholarship at any age over 18 or after you graduate whichever comes first. If your parent died in the line of duty before August 1 , 2011 , you may qualify for both the Fry Scholarship and the Survivors and Dependents Educational Assistance DEA program. But you can use only one program at a time. We cap combined benefits at 81 months of full - time training. Read about the DEA program If you re receiving Dependency and Indemnity Compensation DIC , you ll need to give up those payments when you start to use the Fry Scholarship. Read about DIC ", "As the spouse of a service member \nIf you remarry , you ll no longer be eligible for the Fry Scholarship. You can still get Dependency and Indemnity Compensation DIC payments while using the Fry Scholarship. Read about DIC  What benefits can I get? \nYou may be able to get up to 36 months of benefits, including : Money for tuition full in - state tuition costs at public schools and up to $22,805.34 per year for training at private or out - of - state schools Money for housing Money for books and supplies  How do I get a Fry Scholarship? \nChoose a school \nThe GI Bill Comparison Tool can help you pick a school. Use the GI Bill Comparison Tool You should contact your school s certifying official to make sure your program is approved for VA benefits.  Apply for benefits \nApply online now , or Fill out a Dependents Application for VA Education Benefits VA Form 22 - 5490 and send it to the VA regional benefit office where you want to go to school. Download VA Form 22 - 5490 PDF Find a VA regional benefit office If you aren t legally an adult , your parent or guardian must sign the application. If you ve already started your educational program , ask a certifying official from your school or your employer to fill out a VA Enrollment Certification VA Form 22 - 1999. They ll need to submit it online using VA Online Certification VA - ONCE. Download VA Form 22 - 1999 PDF ", "Choose your program \nIf you qualify for both the Fry Scholarship and DEA , you ll need to choose which program you want to use. Once you choose , you can t change your mind. Exception : If your parent died in the line of duty before August 1 , 2011 , you can use both the Fry Scholarship and DEA. You can get up to 81 months of full - time training , but you can use only one program at a time. Read about the DEA program", "Servicemembers Group Life Insurance (SGLI) \nServicemembers Group Life Insurance SGLI offers low - cost term coverage to eligible service members. If you re a service member who meets certain criteria , we ll automatically sign you up. Find out if you re eligible and learn how to manage your SGLI coverage.  Am I eligible for SGLI? \nYou may be able to get full - time SGLI coverage if any of the descriptions below are true for you. At least one of these must be true. You re: An active - duty member of the Army, Navy, Air Force, Marines, or Coast Guard , or A commissioned member of the National Oceanic and Atmospheric Administration NOAA or the U.S. Public Health Service USPHS , or A cadet or midshipman of the U.S. military academies , or A member, cadet, or midshipman of the Reserve Officers Training Corps ROTC engaged in authorized training and practice cruises , or A member of the Ready Reserve or National Guard, assigned to a unit, and scheduled to perform at least 12 periods of inactive training per year , or A volunteer in an Individual Ready Reserve IRR mobilization category  If you re in nonpay status with the Ready Reserve or National Guard \nYou may be able to get full - time SGLI coverage if you meet both of the requirements below. Both of these must be true. You re: Scheduled for 12 periods of inactive training for the year, and Drilling for points rather than pay Note: You must pay your premiums directly. ", "Who s covered? \nService members  Accessing and managing SGLI while you re serving \nWhat kind of life insurance benefits can I get with SGLI? \nYou can get : Coverage up to the top limit of $400,000 in $50,000 increments 120 days of free coverage from the date you left the military Extension of free coverage for up to 2 years if you re totally disabled when you leave the military. See below for information on the SGLI - Disability Extension Part - time coverage if you re a Reserve member who doesn t qualify for full - time coverage  How do I get these benefits? \nIf you qualify for SGLI , we ll automatically sign you up through your service branch. See your unit s personnel office for more information.  Can I make changes to my benefits? \nYes. You can choose your level of coverage or even refuse coverage completely. You can also choose your beneficiaries the people you pick to get the money from your life insurance policy if you die and change them as needed.  How to change your beneficiaries or reduce, turn down, or restore your SGLI coverage \nIf you re a member of the Army, Navy, Air Force, Marines, Coast Guard, or National Oceanic and Atmospheric Administration , please submit your changes online through the SGLI Online Enrollment System SOES. To access SOES : Go to milConnect Sign in. Go to Benefits, Life Insurance SOES - SGLI Online Enrollment System. Check your coverage and beneficiary information and make any needed updates. You can log in with your CAC or DS Logon using Internet Explorer as soon as you receive a notice that you can start using SOES. If you re a member of the Public Health Service , please submit your changes by filling out the Servicemembers Group Life Insurance Election and Certificate SGLV 8286 and giving it to your unit s personnel officer. Download SGLV 8286 PDF Learn more about SOES ", "How much will I pay for these benefits? \nIf you have SGLI coverage , you ll pay a monthly premium that ll be automatically taken out of your base pay. The current basic SGLI premium rate is 7 cents per $1,000 of insurance coverage. The premium includes an additional $1 per month for Traumatic Injury Protection coverage TSGLI. Learn more about TSGLI These are the SGLI premium rates effective July 1 , 2014 :  Applying for VGLI when you separate or retire \nHow do I apply for VGLI when I leave the military? \nWhen you leave the military , you can apply for Veterans Group Life Insurance VGLI within 1 year and 120 days from your discharge for up to the amount of coverage you had through SGLI. Learn more about VGLI You can also convert your SGLI policy into a civilian policy within 120 days from the date you left the military. Learn how to convert your SGLI coverage to an individual policy PDF  Can I get a free extension of my SGLI coverage if I m disabled when I leave the military? \nYou may be able to keep your coverage for up to 2 years after the date you left the military if you re within 2 years of your separation date and you meet either of the requirements listed below. At least one of these must be true : You re totally disabled at the time of your discharge and unable to work , or No matter your work status , you ve had one of the following : Total loss of hearing in both ears that leaves you unable to talk even in a whisper without the help of an artificial device Loss of speech Permanent long - lasting loss of use of both of your hands, feet, or eyes, or one hand and one foot, or one hand or foot and one eye ", "How do I apply for an SGLI Disability Extension? \nYou ll need to apply for the Servicemembers Group Life Insurance Disability Extension SGLI - DE. To apply , fill out the SGLI Disability Extension Application SGLV 8715 and send it to the OSGLI address listed on the application. Download SGLV 8715 PDF If you get approved , you ll receive a notice 20 months after your separation date letting you know that your SGLI - DE will end and that you now have the option to pay a premium for Veterans Group Life Insurance VGLI. If you pay the premium , you ll be able to keep your life insurance coverage for as long as you keep paying the premiums. Learn more about VGLI  What if I need help with my claim? \nIf you have questions about Servicemembers or Veterans Group Life Insurance , you can call the Office of Servicemembers Group Life Insurance OSGLI at 800 - 419 - 1473, or email the Prudential Insurance Company.  Which forms would my family member need? \nTo request an advance insurance payment for a service member who s terminally ill , a family member would file a Claim for Accelerated Benefits SGLV 8284. Download SGLV 8284 PDF To receive an insurance payment in their time of need , a family member would file a Claim for Death Benefits SGLV 8283. Download SGLV 8283 PDF To help a service member get short - term financial support while recovering from a traumatic injury , a family member would work with the service member to file an Application for TSGLI Benefits SGLV 8600. Download SGLV 8600 PDF", "VR&E Reemployment track \nAs a Veteran , you re protected under the Uniformed Services Employment and Reemployment Rights Act USERRA. This means you can t be disadvantaged in your civilian career because of your service. If you re a Veteran with a service - connected disability , the Vocational Rehabilitation and Employment VR&E Reemployment track can help your employer accommodate your needs. Your Vocational Rehabilitation Counselor VRC can provide a full range of rehabilitation services, and can refer you directly to the Department of Labor to begin the process. Find out how we can help you return to your former job and support your employer in meeting your needs.  Can I get help returning to my former job through VR&E? \nYou may be eligible for help if you re a Veteran with a service - connected disability , and you meet all of the requirements listed below. All of these must be true. You: Have an employment barrier or handicap , and Are enrolled in Vocational Rehabilitation and Employment VR&E , and Would like to return to your former job Note: Having an employment handicap means your service - connected disability limits your ability to prepare for, obtain, and maintain suitable employment a job that doesn t make your disability worse, is stable, and matches your abilities, aptitudes, and interests.  What kind of benefits can I get? \nHelp with the process of returning to the job you held before you deployed. ", "How do I get these benefits? \nFirst , you ll need to apply for VR&E benefits. Then , you ll work with your Vocational Rehabilitation Counselor VRC.  If you have your VA disability rating, follow these steps to apply: \nSign in to your eBenefits account. Click Additional Benefits on your dashboard. Choose Vocational Rehabilitation and Employment Program. Apply for the Vocational Rehabilitation and Employment program. If you re eligible , we ll invite you to an orientation session at your nearest VA regional benefit office.  Ready to apply? \nGo to eBenefits to apply Find out how to apply if you haven t yet received a disability rating  Get more information \nWe offer opportunities to get training and practical hands - on work experience at the same time through programs like : The VR&E Special Employer Incentives SEI program for eligible Veterans who face challenges getting a job. Download the SEI program fact sheet PDF The VR&E Non - Paid Work Experience NPWE program for eligible Veterans and service members who have an established career goal and learn easily in a hands - on environment or are having trouble getting a job due to lack of work experience. Download the NPWE program fact sheet PDF Watch this video to learn more about the NPWE program We also offer : VR&E employment coordinators located at our VA regional offices and many of our out - based locations who can help you access the employment services available to you. Find an employment coordinator near you Counselors to help you transition from military to college life. Learn about VetSuccess on Campus Links to more resources outside VA that can help you in your job search. See our list of external resources If you re participating in a VR&E employment program and lost your housing because of a natural or other disaster , you may qualify for 2 more months of the Employment Adjustment Allowance. Contact your VR&E counselor for more information", "Agent Orange exposure from C-123 aircraft \nIf you flew on or worked with C-123 aircraft in Vietnam or other locations , you may have had contact with Agent Orange. The U.S. military used this herbicide to clear trees and plants during the Vietnam War. C-123 aircraft sprayed Agent Orange during the war , and the planes still had traces of the chemical in them afterward while they were being used, up until 1986. Find out if you can get disability compensation and other benefits for illnesses we believe are caused by contact with Agent Orange.  Can I get disability benefits from VA? \nFor active-duty service members \nYou may be able to get disability benefits if the below descriptions are true for you. This must be true : You have an illness we believe is caused by contact with Agent Orange called a presumptive disease And both of these must also be true : You served in a regular Air Force unit location where a C-123 aircraft with traces of Agent Orange was assigned , and Your flight, ground, or medical duties put you in regular and repeated contact with C-123 aircraft that had traces of Agent Orange If you have an illness we believe is caused by Agent Orange , you won t need to show the problem started during or got worse because of your military service. This is because we believe that certain diseases are the result of exposure to herbicides. We refer to these as \" presumptive diseases. \" Review our list of diseases related to Agent Orange Check our list of military units and Air Force specialty codes to see if your unit had contact with affected C-123 aircraft. View the list of codes PDF ", "For Reservists \nYou may be able to get disability benefits if the below descriptions are true for you. Both of these must be true : You have an illness we believe is caused by Agent Orange called a presumptive disease , and You were assigned to flight, ground, or medical crew duties at one of the below locations You must have been assigned to one of these locations : Lockbourne / Rickenbacker Air Force Base in Ohio , 1969 - 1986 906th and 907th Tactical Air Groups or 355th and 356th Tactical Airlift Squadrons , or Westover Air Force Base in Massachusetts , 1972 - 1982 731st Tactical Air Squadron and 74th Aeromedical Evacuation Squadron, or 901st Organizational Maintenance Squadron , or Pittsburgh International Airport in Pennsylvania , 1972 - 1982 758th Airlift Squadron If you have an illness we believe is caused by Agent Orange , you won t need to show the problem started during or got worse because of your military service. This is because we believe that certain diseases are the result of exposure to herbicides. We refer to these as \" presumptive diseases. \" Review our list of diseases related to Agent Orange Check our list of military units and Air Force specialty codes to see if your unit had contact with affected C-123 aircraft. View the list of codes PDF  What kind of disability benefits can I get? \nHealth care Compensation payments  How do I get these benefits? \nYou ll need to file a claim for disability compensation. When you file , you ll have to show that you had exposure to Agent Orange while serving in the military. You can upload supporting documents along with your online application, including : Discharge or separation papers DD214 or other separation documents USAF Form 2096 unit where you were assigned at the time of the training action USAF Form 5 aircraft flight duties USAF Form 781 aircraft maintenance duties Dependency records marriage certificate and children s birth certificates Medical evidence like a doctor s report or medical test results Find out how to file a claim for disability compensation ", "What if I need help filing my claim? \nCall the C-123 hotline at 800 - 749 - 8387, or Email the St. Paul regional benefit office You can get help from a trained professional trusted to help with VA - related claims. Get help filing your claim  Get more information \nWant to know more about C-123 aircraft Agent Orange claims? Download our C-123 Aircraft Agent Orange Exposure claims fact sheet PDF", "Increased disability rating for time in a hospital \nDid you spend time in a VA hospital or a VA - approved hospital for a disability related to your military service called a service - connected disability? If you did , you may be able to get added disability compensation or benefits with a temporary 100% disability rating for the time you spent in the hospital. Find out if you can get this benefit. \n\nCan I get disability benefits from VA? \nYou may be able to get disability benefits if one of the situations below describes your experience. One of these must be true : You spent more than 21 days in a VA hospital or other approved hospital for a service - connected disability , or You were under hospital observation for more than 21 days at our expense for a service - connected disability \n\nWho s covered? \nVeterans \n\nWhat kind of disability benefits can I get? \nHealth care Increased compensation payments for the time you spent in the hospital \n\nHow do I get these benefits? \nYou ll need to file a claim for disability compensation. Find out how to file a claim for disability compensation Note: If you weren t in a VA hospital , when filing your claim you ll need to give us your hospital discharge summary showing the length and cause of your hospital stay. Example : A Veteran with a 40% service - connected disability rating for diabetes had to stay in a VA hospital after going into a diabetic coma. He needed to stay in the hospital for 25 days because of the coma and related infections. We raised his rating to 100% during his hospital stay. After he got out of the hospital , his disability rating went back to 40 %.", "Veterans Educational Assistance Program (VEAP) \nYou may be able to continue your education by using part of your military pay to help cover the cost of school. Find out if you can get benefits through the Veterans Educational Assistance Program VEAP a $2-to-$1 government - match program for educational assistance.  Am I eligible for VEAP benefits? \nYou can get these benefits if you meet all of the requirements listed below. All of these must be true. You: Entered service for the first time between January 1 , 1977, and June 30 , 1985 , and Opened and put money into your VEAP account before April 1 , 1987, and Put in $25 $2,700 on your own , and Finished your first period of service and didn t receive a dishonorable discharge Note: If you re currently on active duty , you must have at least 3 months of contributions available to use your VEAP benefits.  What benefits can I get? \nMoney for tuition  How do I get VEAP benefits? \nMake sure we've approved your selected program \nIf you have questions , we can help you and your school understand the requirements. Call our Education Call Center at 888 - 442 - 4551. If you have hearing loss , call TTY : 711. Or go to a VA regional benefit office near you. Find your nearest VA regional benefit office Apply for benefits If you haven't started training yet Submit an Application for VA Education Benefits VA Form 22 - 1990 online. Apply for education benefits online now You can also apply by mail, in person, or with the help of a trained professional. Learn more about how to apply for education benefitsNote : If you're on active duty right now, you'll need to have your Education Services Officer approve your enrollment and your Commanding Officer verify your service. If you're not on active duty right now , you'll need to send copy 4 member copy of your DD214, Certificate of Release, or Discharge from Active Duty. If you've already started training Take your VA Form 22 - 1990 application and the member copy of your DD214 to your school or employer. Ask them to complete VA Form 22 - 1999, Enrollment Certification, and send all the forms to us. Download VA Form 22 - 1990 PDF Verify your enrollment Ask your school or training official to verify your enrollment with us. We'll review your application and let you know if we need anything else. ", "More questions about VEAP benefits \nWhat s covered under VEAP education benefits? \nWe ll help you pay for these types of training, programs, and fees : Undergraduate and graduate degree programs Co - op training Non - college degree programs technical or vocational courses Flight training On - the - job training and apprenticeships Test fees Entrepreneurship training Correspondence training In some cases , we ll help you pay for these types of courses : Remedial courses classes some students must take to build up their basic skills in math, reading, or English before they can take regular college courses , Deficiency courses classes some students must take in order to be admitted to a certain college Refresher courses brief courses that help people review and improve their knowledge in a certain subject area  How many months of benefits can I get, and how long do I have to use them? \nThe amount of benefits you get up to 36 months will depend on how much money you put into your VEAP every month. You have 10 years from your release from active duty to use your VEAP benefits. If you don t use the money after 10 years , we ll automatically refund it to you. Note: If you re on active duty now and want to use VEAP , you must have at least 3 months of contributions in the fund.  Can I get the money back that I put into my VEAP account? \nYes. You can withdraw the money in your VEAP account if you don t meet basic qualifying requirements or if you formally ask for a refund. To ask for a refund , complete an Application for Refund of Educational Contributions VA Form 22 - 5281. Download VA Form 22 - 5281 PDF Send the form to your nearest VA regional benefit office. Get the address of your nearest VA regional benefit office", "Camp Lejeune water contamination health issues \nIf you served at Marine Corps Base Camp Lejeune or Marine Corps Air Station MCAS New River in North Carolina , you may have had contact with contaminants in the drinking water there. Scientific and medical evidence has shown an association between exposure to these contaminants during military service and development of certain diseases later on. If you have qualifying service at Camp Lejeune and a current diagnosis of one of the conditions listed below , you may be able to get disability benefits.  Can I get disability benefits from VA? \nYou may be able to get disability benefits if you meet all of the requirements listed below. Both of these must be true. You: Served at Camp Lejeune or MCAS New River for at least 30 cumulative days from August 1953 through December 1987, and Didn t receive a dishonorable discharge when you separated from the military And you must have a diagnosis of one or more of these presumptive conditions : Adult leukemia Aplastic anemia and other myelodysplastic syndromes Bladder cancer Kidney cancer Liver cancer Multiple myeloma Non - Hodgkin s lymphoma Parkinson s disease  Who s covered? \nVeterans Reservists Guardsmen  What kind of benefits can I get? \nHealth care Compensation payments  How do I get these benefits? \nYou ll need to file a claim for disability compensation and provide the evidence supporting documents listed below : Your military records showing you served at Camp Lejeune or MCAS New River for at least 30 days from August 1953 through December 1987 while on active duty, or in the National Guard or Reserves , and Medical records stating that you have 1 or more of the 8 illnesses on the presumptive conditions list see above You can file a claim in any of these ways : File a claim online on VA.gov , or File a claim online on eBenefits , or Get help from an accredited representative, like a Veterans service officer VSO, or Get help at a VA regional benefit office Note: When you file , be sure to state that you re applying for one or more of the presumed Camp Lejeune illnesses, and upload evidence like a doctor s report or medical test results. ", "Are Veterans and their family members covered for health care? \nYes. Veterans who served at Camp Lejeune or MCAS New River for at least 30 cumulative days from August 1953 through December 1987 and their family members can get health care benefits. We may pay you back for your out - of - pocket health care costs that were related to any of these 15 conditions : Bladder cancer Breast cancer Esophageal cancer Female infertility Hepatic steatosis Kidney cancer Leukemia Lung cancer Miscarriage Multiple myeloma Myelodysplastic syndromes Neurobehavioral effects Non - Hodgkin s lymphoma Renal toxicity Scleroderma  How do I get these benefits as a family member? \nYou ll need to file a claim for disability compensation and provide the evidence supporting documents listed below. You must provide all of this evidence : A document proving your relationship to the Veteran who served on active duty for at least 30 days at Camp Lejeune like a marriage license, birth certificate, or adoption papers, and A document proving that you lived at Camp Lejeune or MCAS New River for at least 30 days from August 1953 through December 1987 like utility bills, base housing records, military orders, or tax forms, and that show you have one of the 15 conditions listed above as well as the date the illness was diagnosed and that you re being treated or have been treated in the past for this illness Medical records And you ll need to provide evidence that you paid health care expenses for your claimed condition during one of the time periods listed below. You must provide evidence of payment during one of these time periods : Between January 1 , 1957, and December 31 , 1987 if you lived on Camp Lejeune during this time period, we ll reimburse you for care received on or after August 6 , 2012, and up to 2 years before the date of your application , or Between August 1 , 1953, and December 31 , 1956 if you lived on Camp Lejeune during this time period, we ll reimburse you for care received on or after December 16 , 2014, and up to 2 years before the date you apply for benefits You may want to provide a Camp Lejeune Family Member Program Treating Physician Report VA Form 10 - 10068b You ll need to ask your doctor to fill out and sign this form before submitting it to us. We don t require this form , but it can help give us important information to determine your eligibility for benefits. Download VA Form 10 - 10068b ", "File a claim \nFill out the Camp Lejeune Family Member Program Application VA Form 10 - 10068. Download VA Form 10 - 10068 Fax it to 512 - 460 - 5536 , or Mail it to : Department of Veterans Affairs Financial Services Center PO Box 149200 Austin , TX 78714 - 9200 If you need help with your application , call our Camp Lejeune Family Member program staff at 866 - 372 - 1144.  What was in the drinking water at Camp Lejeune? \nTwo on - base water wells that were shut down in 1985 had these chemicals : Trichloroethylene TCE Perchloroethylene PCE Benzene Vinyl chloride Other compounds  Get more information \nDownload 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 Sign up to receive notifications from the Marine Corps with the latest updates on issues related to Camp Lejeune water contamination. Sign up for Marine Corps notifications Read about the Agency for Toxic Substances and Disease Registry public health studies and other efforts to help Marines and their families affected by Camp Lejeune water contamination. Read more from the Agency for Toxic Substances and Disease Registry Read a report from the National Academies of Sciences, Engineering, and Medicine. This report offers a summary of research on the historical Camp Lejeune water contamination up to 2009. Read the National Academies Camp Lejeune report", "Where you'll go for care \nWhen you sign up for VA health care , you become part of the country s largest integrated health care system with more than 1,200 care locations serving nearly 9 million Veterans each year. Learn more about where you ll get care.  Where do I go for care? \nYou ll receive regular care at one VA location of your choice. If you need specialized medical treatments and services , we may refer you to other locations as well. Your health care team will use our electronic medical record system to coordinate your care no matter where you are. Care settings may include : VA medical centers. These centers offer a range of services : All centers provide traditional hospital - based services like surgery, critical care, mental health, and physical therapy. Most centers provide medical and surgical specialty services like oncology cancer care, geriatrics elder care, and neurology care for conditions of the brain and nervous system. Some medical centers also offer advanced services like organ transplants and plastic surgery reconstructing or repairing parts of the body in the treatment of traumatic injury. Find a medical center near you VA community - based outpatient clinics CBOCs. These clinics provide the most common outpatient services like health and wellness visits so you can take care of routine appointments in a more convenient location. We keep expanding our network of CBOCs to more rural locations so we can help you access care closer to home. Find a clinic near you Vet Centers. These centers provide community - based counseling, outreach, and referral services to Veterans who served in a combat zone as well as to their families. Mobile Vet Centers also help bring care to more rural locations. Learn more about Vet Centers Find a Vet Center near you VA Community Living Centers and other assisted living or residential live - in settings. These places provide support for Veterans who need more intense nursing care and help with everyday tasks like bathing, dressing, or taking medicines. Learn more about assisted living and residential care Your own home. If needed , you may get medical treatment, nursing care, or help with everyday tasks in the comfort of your own home. Learn more about home health care ", "What if the nearest VA location can t provide the services I need? \nIf you're enrolled in VA health care , find out how you may be able to receive care from a provider in your local community through community care.  More about where you ll get care \nYou may be able to get care : At a VA outpatient clinic At a mobile Vet Center In your own home : Learn about skilled home health care providersFind out about remote telehealth services From a provider in your local community Call 911 or go to the nearest emergency room. You don t have to contact us in advance. Note: We consider an emergency to be a condition that a reasonable person believes will put your health or life at risk if you don t get treatment right away. If you re far from a VA medical center , we may pay for emergency care in a non - VA setting. Be sure to contact your nearest VA medical center as soon as possible and ask to talk to the patient transfer or patient administration representative. Payment for emergency care in a non - VA setting ends when a VA provider concludes that you re stable enough to be transferred to a VA medical center. For more information , call your local VA medical center s enrollment coordinator. Or get more details on emergency care coverage Let us know right away so we can help set up care in your new location. To change your address , call us at 877 - 222-VETS 877 - 222 - 8387, Monday through Friday , 8:00 a.m. to 8:00 p.m. ET. If you re moving outside the U.S. , you ll need to sign up for our Foreign Medical Program. Through this program , we ll pay for certain needed health care services received in foreign countries to treat a service - connected disability or a disability that s making a service - connected condition worse. Learn more about our Foreign Medical Program Let us know in advance so we can plan for your care at a VA location near where you ll be staying. Please give us at least 4 to 6 weeks notice if you can. Please give your VA care team : Your travel destination and temporary address where we can reach you while you re away A telephone number Your arrival and departure dates Any specific care concerns We can also mail prescription refills to you at your temporary address. Just be sure to allow about 2 weeks for the refills to arrive. Refill your prescriptions For more information , contact your care team or the Traveling Veteran Coordinator at your local VA medical center. Find a medical center near you Note: If you re planning to travel outside the U.S. , you ll need to sign up for our Foreign Medical Program. Learn more about our Foreign Medical Program You can schedule VA health care appointments by phone or through our online scheduling tool. Find out how to schedule VA appointments by phone or online Yes , we may be able to help you get to and from appointments in certain cases. Or , we may pay you back for the cost of transportation if you qualify for help. Learn more about VA transportation services Yes , we may be able to help with travel expenses if you need to travel for care. Learn more about VA transportation services You can get care right away for minor injuries and illness, like pink eye or ear infections, at urgent care facilities or walk - in retail health clinics that are part of our community provider network. To use these services , you ll need to enrolled in VA health care and have received care from us within the past 24 months. Learn more about urgent care", "Pre-need eligibility for burial in a VA cemetery \nYou can apply to find out in advance if you can be buried in a VA national cemetery. This is called a pre - need determination of eligibility and it can help make the burial planning process easier for your family members in their time of need. Follow the steps below to apply. Please note: Pre - need means before the time of need. This application is for planning for your own burial in advance. Please don t complete this form if you re requesting burial at the time of need. Find out how to schedule a burial  How do I prepare before starting my application? \nFind out if you re eligible. One of these must describe you: \nA Veteran who didn t receive a dishonorable discharge when you separated from the military , or The spouse or dependent child of a service member or Veteran , even if the service member or Veteran has already passed away , or In some cases , the adult dependent child of a service member or Veteran if you aren t married We base our decision of whether or not you qualify for burial in a VA national cemetery on your service history or the service history of the Veteran or service member who s sponsoring your application for burial as a spouse, surviving spouse, or unmarried adult child. Get more details about eligibility Note: If a service member dies on active duty , they re eligible for burial without a pre - need decision letter. ", "Choose the VA national cemetery where you d prefer to be buried. \nFind a VA national cemetery Please note: This application is only for VA national cemeteries. If you d like to be buried in a state or tribal Veterans cemetery , contact that specific cemetery ahead of time to find out about their pre - need program. Some state Veterans cemeteries require that you live in that state or have other rules around eligibility. You can apply for a pre - need determination of eligibility from VA and also from a state or tribal Veterans cemetery. Find a state Veterans cemetery This application doesn t apply to Arlington National Cemetery or the United States Soldiers and Airmen s Home National Cemetery. If you d like to be buried in either of these Department of the Army cemeteries , please call 877 - 907 - 8585. We re here Monday through Friday , 8:00 a.m. to 5:30 p.m. ET , and Saturday , 9:00 a.m. to 1:00 p.m. ET. Getting a pre - need determination of eligibility doesn t guarantee you ll be buried in a specific VA national cemetery. We don t take reservations at any VA national cemetery. However , we ask where you prefer to be buried so we can try to help fulfill your final wishes.  Gather the supporting documents and information you ll need to fill out the application. \nPlease see the list below. If you don t have everything on the list , you can still apply and we ll help by finding the supporting documents we need. Just keep in mind that the more information you can give us when you apply, the faster we can review your application and give you a decision. We ll contact you if we need you to provide additional information. ", "Be sure to fill out an application for each person requesting a pre-need eligibility determination. \nIf both you and your spouse are applying , you ll each need to fill out your own application.  What information do I need to apply? \nTo apply , you ll need your or your sponsor s : Social Security number Date and place of birth Military status and service history like service dates, discharge character, and rank commonly found on the DD214 or other separation documents Discharge papers DD214 or other separation documents Note : If you don t have discharge papers, find out how to request the DD214. If you re applying as a spouse, surviving spouse, or unmarried adult child, you ll also need your personal information, including your Social Security number. If you re applying on behalf of someone else , you ll also need supporting documents showing you have the authority to apply for that person. You ll need to fill out one of these forms : Appointment of Veterans Service Organization as Claimant s Representative VA Form 21 - 22 Download VA Form 21 - 22 PDF Appointment of Individual as Claimant s Representative VA Form 21 - 22a Download VA Form 21 - 22a PDF If you re applying for an unmarried adult child of a Veteran or service member , you ll also need to provide supporting documents with information about the child s disability. The Veteran or guardian of the child should also ask the child s current doctor to verify the documents. These documents should include all of the following information : The date of the disability's onset , and A description of the disability, mental or physical, and A description of how dependent the disabled child is on the Veteran , and The marital status of the child ", "How do I apply? \nYou can apply online right now. Apply for pre - need eligibility  You can also apply: \nBy mail \nFill out an Application for Pre - need Determination of Eligibility for Burial in a VA National Cemetery VA Form 40 - 10007. Download VA Form 40 - 10007 PDF The person applying for a pre - need determination must sign the form. If that person is under 18 years old , mentally unable to make decisions for themselves sometimes called mentally incompetent, or physically unable to sign the form , a spouse, parent, or court - appointed representative may sign the form. If you re signing the form on behalf of someone else , you ll need to : Select box 33B on the form and provide your name, address, phone number, and email address in blocks 34 through 37 Provide supporting documents that show why the person applying can t sign Provide supporting documents that show your relationship to the person applying Send your completed application with copies of your supporting documents to : National Cemetery Scheduling OfficePO Box 510543St. Louis , MO 63151 Please don t send us the originals of your DD214 and other supporting documents since we can t return them. Send copies only.  By fax \nYou can fax your application to us at 855 - 840 - 8299.  What if I need help filling out my application? \nCall our toll - free hotline at 877 - 222 - 8387. We re here Monday through Friday , 8:00 a.m. to 8:00 p.m. ET. Get help from a trained professional trusted to help with VA - related claims, like an accredited representative or Veterans Service Officer VSO. Find a representative Find your state s Veterans agency Note: These services are free. No one should ever ask you to pay them to help you fill out VA Form 40 - 10007 or file your request. ", "What happens after I apply? \nFind out what happens after you apply for a pre - need eligibility determination Note: We ve received a large number of pre - need eligibility applications , and it s slowing down our approval process. We ll let you know when we ve received your application and how long we think it ll take to make a decision. We re sorry for the delay. For more information , you can call 877 - 222 - 8387. We re here Monday through Friday , 8:00 a.m. to 8:00 p.m. ET. Please wait to hear back about your application rather than applying again.", "VA Title 38 U.S.C. 1151 claims \nIf you suffered an added disability or your existing injury or disease got worse while you were getting VA medical care or taking part in a VA program designed to help you find, get, or keep a job , you may be able to get compensation. \n\nCan I get compensation from VA? \nYou may be able to get compensation from VA if you suffered an added disability or your existing disability got worse as the direct result of any of the reasons listed below and the added disability wasn t a reasonably expected result or complication of treatment. At least one of these must have led directly to an added disability or to your injury or disease getting worse : VA carelessness or negligence , or VA medical or surgical treatment , or A VA health exam , or A VA vocational rehabilitation course (under 38 U.S.C. Chapter 31), or VA compensated work therapy (CWT)(under 38 U.S.C. 1718) \n\nWho s covered? \nVeterans \n\nWhat kind of benefits can I get? \nCompensation \n\nHow do I get these benefits? \nYou ll need to file a claim for disability compensation. When you file , you ll have to show that the added disability happened because of VA medical care or a VA program designed to help you find, get, or keep a job. Find out how to file a claim for disability compensation We ll award any compensation payments in the same way we would if your disability was related to your military service a service - connected disability.", "VA health care \nWith VA health care , you re covered for regular checkups with your primary care provider and appointments with specialists like cardiologists, gynecologists, and mental health providers. You can access Veterans health care services like home health and geriatric elder care , and you can get medical equipment, prosthetics, and prescriptions. Find out how to apply for and manage the health care benefits you've earned.  On this page \nGet VA health care Manage your health and benefits More information and resources  How do I get help if I'm homeless or at risk of becoming homeless? \nWe offer many programs and services that may help including free health care and, in some cases, free limited dental care. We can also help you connect with resources in your community, like homeless shelters or faith - based organizations. Find the support you need : Call the National Call Center for Homeless Veterans at 877 - 424 - 3838 for help 24 hours a day , 7 days a week. You ll talk privately with a trained VA counselor for free. Contact your nearest VA medical center and ask to talk with the VA social worker. If you're a female Veteran , ask for the Women Veterans Program Manager. Find the nearest VA medical center Talk with someone right now : If you're a Veteran in crisis or concerned about one , 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. Chat online with a trained VA staff member ", "Get VA health care \nAbout VA health benefitsLearn how VA health care works and which Veterans health care services we cover. EligibilityFind out if you re eligible for Veterans health care benefits and how priority groups work. How to applyGet instructions for how to prepare and apply for VA health care online, by phone, by mail, or in person. Apply online VA Form 10 - 10EZ Start your Veterans health care application now. After you applyFind out when to expect a decision on your application , and what to do next. Family and caregiver health benefitsSee if you qualify for VA medical benefits as a spouse, surviving spouse, dependent child, or caregiver.  Manage your health and benefits \nRefill and track your VA prescriptionsOrder a prescription refill and track your shipment online. Use VA Secure MessagingCommunicate privately with your VA health care team through Secure Messaging. Schedule and view your VA appointmentsFind out how to schedule an appointment by phone, online, or through Secure Messaging. View your VA lab and test resultsView, download, and print your labs and test results. Order hearing aid batteries and prosthetic socksOrder these items online for home delivery. Get your VA medical records also called \" VA Blue Button\" Set up your personal health record and download reports to share with your VA and non - VA doctors. Update your health benefits information VA Form 10 - 10EZR Update your personal, financial, or insurance information after you re enrolled in the VA health care program. Pay your VA copay billPay your VA copay securely online, by phone or mail, or in person and find out what to do if you're struggling to make payments. Check your appeal statusTrack the status of an open VA health care appeal. Get VA travel pay reimbursement Find out how to apply for reimbursement for your travel to a VA health facility. ", "More information and resources \nVA health care copay ratesView our current copay rates for different types of care, tests, and medications. Mental health servicesFind out how to access VA mental health services for posttraumatic stress disorder PTSD, psychological effects of military sexual trauma MST, depression, grief, anxiety, and other needs. Specific health needs and conditionsFind out how to get care for specific needs like women's health, and learn about service - related health concerns you should be aware of like Agent Orange - related diseases or Camp Lejeune water contamination. Chemical or hazardous material exposureLearn about health concerns linked to exposures during military service. Learn about the special VA health registries you can join that document Veterans' exposure to Agent Orange, depleted uranium, ionizing radiation, airborne hazards, and other hazardous materials. Veterans programs for health and wellnessExplore VA programs to help you get and stay healthy in both body and mind. Community careIf you re enrolled in VA health care , find out how you may be able to receive care from a provider in your local community through community care. The Affordable Care Act ACA and your VA health care coverageFind out what you need to know about the Affordable Care Act and what it means for Veterans. The Million Veteran ProgramSee if you can be a part of this voluntary research study to better understand the role genes play in our health. Access and quality in VA health careGet information about your VA facility , like how quickly you can be seen and what other Veterans say about their experiences. Patient rights and responsibilitiesRead about your basic rights and responsibilities when you receive care at a VA health facility or live in a VA community living center. ", "Other VA benefits and services \nDisability compensation pay Learn how to file a claim for disability compensation and manage your disability benefits. Life insuranceExplore your life insurance options and find out how to apply as a service member, Veteran, or family member. Aid and attendance benefits and housebound allowanceFind out if you can get increased pension pay as a Veteran or surviving spouse who has disabilities. Burial benefits and memorial itemsLearn about Veterans burial benefits, how to plan a burial service, and how to get compensation as a survivor. Education and trainingApply for and manage GI Bill and other education benefits to help pay for college and training programs.  The MISSION Act and VA health care \nLearn how we re making it easier for you to get health care through VA facilities, mobile clinics, telehealth, and community providers.  Message us \nAsk a question online  Call us \nHealth benefits hotline:877 - 222-VETS 8387 My HealtheVet help desk:877 - 327 - 0022 eBenefits technical support:800 - 983 - 0937 Call MyVA311 for help:844 - 698 - 2311 If you have hearing loss , call TTY : 711.  Veterans Health Administration \nGet updates \nVeterans health email updates  Follow us \nVeterans Health Administration Twitter Veterans Health Administration Facebook Veterans Health Administration YouTube", "Other VA benefits and services \nDisability compensation pay Learn how to file a claim for disability compensation and manage your disability benefits. Life insuranceExplore your life insurance options and find out how to apply as a service member, Veteran, or family member. Aid and attendance benefits and housebound allowanceFind out if you can get increased pension pay as a Veteran or surviving spouse who has disabilities. Burial benefits and memorial itemsLearn about Veterans burial benefits, how to plan a burial service, and how to get compensation as a survivor. Education and trainingApply for and manage GI Bill and other education benefits to help pay for college and training programs.", "PTSD treatment \nWhether you just returned from a deployment or have been home for 40 years , it s never too late to get help for PTSD posttraumatic stress disorder. Getting counseling or treatment can help you manage your symptoms and keep them from getting worse. Our National Center for PTSD is the world leader in PTSD research, education, and treatment. Find out how to access PTSD health services through VA.  How do I talk to someone right now? \nIf you're a Veteran in crisis or concerned about one , 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. To connect with a Veterans Crisis Line responder anytime day or night : Call 800 - 273 - 8255 , then select 1. Start a confidential Veterans chat. Text 838255. If you have hearing loss , call TTY : 800 - 799 - 4889. You can also : Call 911. Go to the nearest emergency room. Go directly to your nearest VA medical center. It doesn't matter what your discharge status is or if you're enrolled in VA health care. Find your nearest VA medical center  What services does VA provide for PTSD? \nWe have almost 200 PTSD treatment programs across the country that offer: \n1-to-1 mental health assessment and testing to figure out if you have PTSD Medicine proven to work for treating PTSD 1-to-1 psychotherapy also called talk therapy. This includes proven methods like Cognitive Processing Therapy CPT. 1-to-1 family therapy Group therapy for special needs, like anger or stress management, or combat support Group therapy for Veterans who served in certain combat zones or who ve been through similar traumas ", "We also offer other forms of treatment and support: \nPTSD specialists provide regular outpatient care to Veterans with PTSD in each VA medical center across the U.S. Special residential live - in or inpatient care programs found in each region of the U.S. help Veterans with severe PTSD symptoms who have trouble doing normal daily activities like going to work. Providers offer added PTSD care in some of our large community - based outpatient clinics. Find a VA medical center or clinic near you Please note: If you don t live near a VA medical center or clinic , our mental health providers can counsel you over the phone called telemental health care. Or , we can refer you to a Vet Center or health care provider near you.  How do I access VA services for PTSD? \nThe VA health care program covers PTSD health services. To access these services , first apply for VA health care. Apply for health care Once you ve signed up : If you have a VA primary care provider , talk to them about your concerns. Your provider can help you figure out if you have PTSD and can offer treatment and support as needed. If you don t have a VA primary care provider or have never been seen in a VA hospital or clinic : Call our general information hotline at 800 - 827 - 1000, or Contact your local VA medical center , or Contact a VA PTSD program near you ", "What if I don t have VA health benefits? \nYou may still be able to get care : If you ve served in a combat zone , get free private counseling, alcohol and drug assessment, and other support at one of our 300 community Vet Centers. Find a Vet Center near you If you re homeless or at risk of becoming homeless : Visit our website to learn about VA programs for Veterans who are homeless. Learn about our homelessness programs Contact the National Call Center for Homeless Veterans at 877 - 424 - 3838 for help 24 hours a day , 7 days a week. A trained VA counselor will offer information about VA homeless programs, health care, and other services in your area. The call is free and confidential private. Call or visit your local VA Community Resource and Referral Center. Even if you don t qualify for VA health care , our staff can help you find non - VA resources you may qualify for in your community. Find your local Community Resource and Referral Center  Can I get disability compensation (monthly payments) or other benefits from VA if I think I have PTSD linked to military service? \nIf you have symptoms of PTSD and suffered a serious injury, personal trauma, sexual trauma, or were threatened with injury, sexual assault, or death while serving in the military , you may be able to get disability compensation or benefits. Find out if you can get disability benefits ", "Where can I find more information and support? \nSee our Understanding PTSD and PTSD Treatment booklet for more about PTSD symptoms and treatment. Read the booklet PDF Go to our National Center for PTSD website for information about PTSD treatment and support. Visit the National Center for PTSD Go to these websites for resources and stories of Veterans who ve overcome PTSD and other mental health challenges : Visit Make the Connection Visit About Face Use our PTSD Coach Online to help manage stress. Visit PTSD Coach Online See our self - help resources guide for books, web resources, and mobile applications recommended by VA experts. Get self - help resources Call the VA general information hotline at 800 - 827 - 1000.", "After you apply for an eligibility determination \nFind out what happens after you apply for a pre - need eligibility determination for burial in a VA national cemetery.  How long does it take VA to make a decision? \nThe amount of time it takes to review your application depends on : The number of applications we re reviewing , and How much information you provided in your application , and Whether you provided your or your sponsor s DD214 or other separation documents along with your application Note: We ve received a large number of pre - need eligibility applications , and it s slowing down our approval process. We ll let you know when we ve received your application and how long we think it ll take to make a decision. We re sorry for the delay. For more information , you can call 877 - 222 - 8387, Monday through Friday , 8:00 a.m. to 8:00 p.m. ET. Please wait to hear back about your application rather than applying again. You don t need to do anything while you wait. We ll contact you if we need more information to make a decision.  If you qualify for burial benefits \nYou ll receive a VA burial and memorial benefits folder from us in the mail. Your folder will include : A letter telling you if you can be buried in a VA national cemetery. This is called your pre - need decision letter. A National Cemetery Administration brochure and a burial benefits information sheet. These will tell you more about the benefits you ll receive. A copy of the supporting documents you submitted with your application ", "What should I do after I receive my pre-need decision letter and folder? \nKeep your pre - need decision letter and folder in a safe place. Talk to your family members or authorized representative about your burial wishes including any memorialization requests and inscriptions and make sure they know where your benefits folder is located. They ll need this information to request your burial at the time of need.  What do my family members need to do to request my burial at the time of need? \nAt the time of need , the person arranging your burial should call the National Cemetery Scheduling Office at 800 - 535 - 1117 to request a burial. They ll need your pre - need eligibility determination letter at that time. We ll also keep a copy of your pre - need application, the decision letter, and your supporting documents in our system to help speed up burial arrangements. When your family member or authorized representative requests your burial , we ll confirm your pre - need eligibility determination based on the laws in effect at that time. Learn more about planning a burial for a family member  Will my family have to pay for my burial? \nNo. If you qualify for burial in a VA national cemetery , you ll receive burial benefits at no cost to your family. Burial benefits include : Opening and closing of the grave A burial liner provided by the government A headstone or marker provided by the government Perpetual ongoing care of the gravesite The person arranging your burial can also request additional honors and memorial items. Learn more about honors and memorial items If you re a Veteran , your surviving spouse or other family members may also qualify for survivor benefits, including help paying for funeral costs. Learn more about survivor benefits ", "What if I change my mind and don t want to be buried in a VA national cemetery? \nYour family members can make arrangements for your burial at a private cemetery even if we ve already sent you a pre - need decision letter. There s no need to contact VA about this change of plans. However , even if you re buried at a private cemetery , your family members can still request a headstone or marker at the time of need. The family member can make this request using the Claim for Standard Government Headstone or Marker VA Form 40 - 1330. To make this request , print out the form and fill it out, and mail the completed form to: Memorial Products Service 41B Department of Veterans Affairs5109 Russell RoadQuantico, VA 22134 - 3903  If you don t qualify for burial benefits \nWe ll send you a denial decision letter explaining the reasons or basis of our denial. We ll also send you a form called Your Rights to Seek Further Review of Our Decision VA Form 20 - 0998 along with your denial letter. This form explains your rights to appeal or to request another review, and how to submit more evidence. You can send us more supporting documents whether or not you choose to appeal the pre - need decision. Learn more about appeals and reviews of VA claimsSee more information about claims and review processes ", "How much time do I have to appeal the decision or request another review? \nIt depends on which option you use to request a review or to appeal. Each option has a different time requirement. Your options include : Add new and relevant evidence file a Supplemental Claim Ask for a new look from a senior reviewer request a Higher - Level Review Appeal to a Veterans Law Judge request a Board Appeal See time requirements for each type of claim appeal and reviewLearn how to file your claim using VA Form 20 - 0998  Can my family member or authorized representative still apply for my burial in a VA national cemetery at the time of need? \nYes. Laws and personal circumstances may change earlier eligibility decisions. We ll make the final decision of whether you qualify for burial at the time of need.  How to update your information \nYou can update your information at any time. Call our toll - free hotline at 877 - 222 - 8387. We re here Monday through Friday , 8:00 a.m. to 8:00 p.m. ET.", "Types of Veteran ID cards \nThere are many types of identification cards you can use to show you re a Veteran. You only need to have one of them for this purpose. Learn about the different types of VA ID cards and other Veteran ID options.  Department of Defense Identification Card \nA Department of Defense DoD Identification Card is used to show your military status and to get access to services at military bases. You may also use this card to get discounts offered to Veterans at many stores, businesses, and restaurants. If you have a DoD Identification Card , you don t need to request another type of photo ID card to prove you re a Veteran or to get retail or business discounts. You may be eligible if one of the descriptions below is true for you. One of these must describe you. You re: Retired from the military , or On active duty , or In the National Guard, the Reserves, the Selected Reserves, or Inactive Ready Reserve Note: Depending on your status , the DoD issues either a Common Access Card CAC or a Uniformed Services ID Card USID. For both types of DoD cards , you ll need to either be a sponsor or have a sponsor. You ll need to fill out an Application for Identification Card / DEERS Enrollment DD Form 1172 - 2. Download DD Form 1172 - 2 PDF Then turn in your completed application to a Real - Time Automated Personnel Identification System RAPIDS office for processing. Learn more about how to apply for a DoD Identification Card ", "Veteran Health Identification Card \nWhen you re enrolled in VA health care , you get a Veteran Health Identification Card VHIC that you use to check in to your appointments at VA medical centers. You may also use this card to get discounts offered to Veterans at many stores, businesses, and restaurants. If you have a VHIC , you don t need to request another type of photo ID card to prove you re a Veteran or to get retail or business discounts. You need to be enrolled in VA health care to receive a Veteran Health Identification Card. If you aren t signed up for VA health care , you can apply online now. Find out how to apply for VA health care Learn more about the VHIC  Veteran ID Card \nA Veteran ID Card VIC is a form of photo ID you can use to get discounts offered to Veterans at many stores, businesses, and restaurants. When you have this card , you won t need to carry around your military discharge papers or share sensitive personal information to receive discounts. If you have a VIC , you don t need to request another type of photo ID card to prove you re a Veteran or to get retail or business discounts. You may be eligible if you meet both of the requirements listed below. Both of these must be true. You: Served on active duty, in the Reserves, or in the National Guard including the Coast Guard , and Received an honorable or general discharge under honorable conditions If you received an other than honorable, bad conduct, or dishonorable character of discharge , you re not eligible for a Veteran ID Card. If you have an uncharacterized or unknown discharge status , we ll have to verify your eligibility before we approve your application. You can apply online now. Learn more about how to apply for a VIC ", "Veteran s designation on a state-issued driver s license or ID \nAt this time , all 50 states and Puerto Rico offer a Veteran designation an identifying mark printed on state - issued driver s licenses or IDs. The type of Veteran designation may vary from state to state. If you have a Veteran s designation , you may be able to get discounts offered to Veterans at many stores, businesses, and restaurants. Most states ask you to provide a copy of your discharge papers DD214 or other separation documents. Some states may require additional documents. Please check with your state s Department of Motor Vehicles about what you need to apply for a Veteran s designation for your state.", "Co-op training \nA 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. Find out if you can get these education benefits. \n\nCan I get education benefits for co-op training? \nYou may be able to get money for books, tuition, and housing if you meet all of the requirements listed below. All of these must be true : You re using VA educational assistance , and You re enrolled at an approved Institution of Higher Learning IHL , and You re in an educational program that requires part - time study and part - time work or training \n\nWho s covered? \nVeterans \n\nWhat benefits can I get? \nHelp paying for tuition Money for books and housing \n\nHow much will I get if I join a co-op training program? \nThe amount we cover depends on the benefit you use. View current payment rates The Post-9/11 GI Bill : If the program is at a public IHL, we pay the actual costs for public in - state tuition and fees. If the program is at a private or foreign IHL , 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. All other GI Bill programs : We pay a monthly rate that depends on which GI Bill program you qualify for.", "Request a Higher-Level Review \nCan I request a Higher-Level Review? \nYou can request a Higher - Level Review of an initial claim or Supplemental Claimdecision. This option isn t available after a Higher - Level Review or Board Appeal. It s also not available if you re one of multiple people claiming the same benefit this is rare.  How long does it take VA to make a decision? \nWhat should I expect if I request a call with a senior reviewer? \nIf you request an informal conference with a senior reviewer , they ll call the phone number that you or your representative provided on the Higher - Level Review form to schedule a time to discuss your case with you. The senior reviewer will try to reach you or your representative by phone twice. If no one answers , they ll leave a voice mail. During the call , you and/or your representative can talk about why you think the decision should be changed and identify errors. There won t be transcripts of this call.  How do I request a Higher-Level Review? \nTo request a Higher - Level Review , fill out the Decision Review Request: Higher - Level Review VA Form 20 - 0996. Download VA Form 20 - 0996 PDF  Select a benefit type in Part I of the form \nThe most common benefit type is compensation , but if you re unsure, check your VA decision. You can t select multiple benefit types. You have to complete a separate form for each type. Optional : Request a call informal conference with the reviewerYou and/or your representative can speak with the reviewer on the phone. You can tell them why you think the decision should be changed and identify errors. To schedule an informal conference, select times and list a phone number in Part II of the form. A reviewer will call 2 - 4 weeks after VA processes your request. ", "List the issue(s) you want reviewed in Part III of the form \nYou can include all or just some of the issues VA has decided. You ll need to list the issue you disagree with and the VA decision date for each. What if I have new and relevant evidence? If you have evidence to submit , please select another review option. Learn more about the review options  Apply \nFill out the Decision Review Request: Higher - Level Review VA Form 20 - 0996. Download VA Form 20 - 0996 PDF By mail Send the completed form to the benefit office that matches the benefit type you selected on the form. Compensation Department of Veterans AffairsClaims Intake CenterPO Box 4444Janesville , WI 53547 - 4444  Pension/Survivors benefits \nIf you live in AK, AZ, CA, CO, HI, ID, IA, KS, MN, MT, NB, NV, NM, ND, OK, OR, SD, TX, UT, WA, WY, Mexico, Central America, South America, or the Caribbean Department of Veterans AffairsClaims Intake CenterAttention : St. Paul Pension CenterPO Box 5365Janesville , WI 53547 - 5365Fax : 844 - 655 - 1604  Pension/Survivors benefits \nIf you live in CT, DL, FL, GA, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, WV, DC, Puerto Rico, or Canada Department of Veterans AffairsClaims Intake CenterAttention : Philadelphia Pension CenterPO Box 5206Janesville , WI 53547 - 5206Fax : 844 - 655 - 1604  Pension/Survivors benefits \nIf you live in AL, AR, IL, IN, KY, LA, MI, MS, MO, OH, TN, or WI Department of Veterans AffairsClaims Intake CenterAttention : Milwaukee Pension CenterPO Box 5192Janesville , WI 53547 - 5192Fax : 844 - 655 - 1604 ", "National Cemetery Administration \nPlease refer to yourdecision for instructionson how to submit theform.  Education \nPlease refer to yourdecision for instructionson how to submit theform.  Veterans Health Administration \nPlease refer to yourdecision for instructionson how to submit theform.  Vocational Rehabilitation and Employment \nPlease refer to yourdecision for instructionson how to submit theform.  Insurance \nPlease refer to yourdecision for instructionson how to submit theform.  Loan guaranty \nPlease refer to yourdecision for instructionson how to submit theform. In personBring your completed form to a regional benefit office. Find a regional benefit office near you By faxFax your completed form and any supporting documents to 844 - 531 - 7818. You can also ask a regional benefit office for a copy of this form to fill out. Or you can call the VA toll - free hotline at 800 - 827 - 1000, Monday through Friday , 8:00 a.m. - 9:00 p.m. ET , to request a form.  Mark your calendar \nYou have 1 year from the date on your decision to file a Higher - Level Review.  What happens next? \nFind out what happens after you request a decision review You don t need to do anything while you wait, unless VA sends you a letter asking for more information. If VA schedules exams for you , be sure not to miss them. Track the status of your claim  What if I need help? \nA Veterans Service Organization or VA - accredited attorney or agent can help you request a decision review. Get help requesting a decision review ", "What if I have more questions? \nGet answers to frequently asked questions about decision reviews. Go to FAQs.", "Undergraduate and graduate degrees \nFind out if you can use GI Bill benefits for college as a Veteran, service member, or qualified dependent. Learn about payment rates for undergraduate and graduate degree courses at institutions of higher learning like a 4-year university, community college, or graduate school.  How do you decide what my payments will be? \nWe decide your payment amounts based on the number of classes you go to and the hours spent in those classes. For example , for most undergraduate degrees , a college considers : 12 or more hours full time Between 9 and 11 hours three - quarter time Between 6 and 8 hours half time Less than 6 hours reimbursable at a rate that s no more than the tuition and fees charged for the course  How much does VA cover for graduate-level programs? \nThe school decides how to rate each hour. For example , if a graduate program at your school considers a 2-hour class full time , we ll pay you the full - time rate.  Can I take classes at more than one school at a time? \nYou can take classes at more than one school under the GI Bill as long as : The classes at both schools count toward your degree , and The school granting your degree considers the classes at the second school to be required in order to get your degree Note : The GI Bill won t pay you to take the same class twice unless you get a failing grade in a class that the school requires for graduation. ", "Can I use the GI Bill to pay for classes toward more than one degree? \nYes. After earning your first degree , you can use any GI Bill benefits you have left over to pay for classes for another degree.  How does VA make the payments? \nWe issue payments after each month s classes. For example , you ll get the payment for November classes in December. For the Post-9/11 GI Bill , we pay : Tuition and fees directly to the school Money for books to you at the beginning of the term Housing allowance to you at the end of each month", "Exposure through Project 112 or Project SHAD \nIf you were a part of chemical and biological warfare testing through Project 112 or Project Shipboard Hazard and Defense SHAD , you may be at risk for certain illnesses. The Department of Defense s Deseret Test Center in Fort Douglas, Utah, conducted this testing, which took place aboard ships and on land in various locations from 1962 to 1974. Find out if you can get disability compensation or benefits. \n\nCan I get disability benefits from VA? \nYou may be able to get disability benefits if you meet both of the requirements listed below. Both of these must be true : You were part of Projects 112 or SHAD testing from 1962 to 1974 , and You have an illness believed to be caused by the testing \n\nWho s covered? \nVeterans Qualified survivors \n\nWhat kind of disability benefits can I get? \nHealth care Compensation payments \n\nHow do I get these benefits? \nYou ll need to file a claim for disability compensation. You can call the VA Special Issues Helpline at 800 - 749 - 8387. Or you can file a claim online. Find out how to file a claim for disability compensation If you were part of Projects 112 or SHAD from 1962 to 1974 and want to know more about a certain test site, ship, or unit , see the declassified Department of Defense fact sheets. Get declassified Department of Defense fact sheets If you have a question about the tests , if you have any information that can help show you were part of them including whether you may have been part of them or contact the Department of Defense at 800 - 497 - 6261.", "Temporary disability rating after surgery or cast \nAre you recovering from surgery or a disability related to your military service that s left you unable to move? You may be able to get a temporary 100% disability rating and disability compensation or benefits if you have this kind of immobilizing disability. Find out if you can get this benefit.  Can I get disability benefits from VA? \nYou may be able to get disability benefits if you ve had surgery or received other treatment at a VA hospital, approved hospital, or outpatient center for a disability related to your military service called a service - connected disability. If you had surgery , both of these must be true for you : The surgery required a recovery time of at least one month or reports show that the surgery or treatment was for a service - connected disability , and The surgery resulted in severe issues, like : that haven t totally healed Surgical wounds Stumps of recent amputations Being unable to move due to being put in splints or casts to help with healing known as therapeutic immobilizations Being unable to leave your house known as house confinement Being required to use a wheelchair or crutches If you didn t have surgery , this must be true : You had one or more major joints immobilized by a cast.  Who s covered? \nVeterans  What kind of disability benefits can I get? \nHealth care while you recover Added compensation payments A temporary 100% disability rating ", "How do I get these benefits? \nYou ll need to file a claim for disability compensation. Find out how to file a claim for disability compensation Recovery time from either a surgery or the immobilization of a joint by a cast without surgery requires a temporary 100% disability rating for a service - connected disability. The temporary 100% rating may continue for 1 to 3 months depending on your unique case. You may be able to get an extension for up to 3 more months if your case is severe. Example : A Veteran had a left knee injury that resulted in a 30% disability rating. As the knee problem got worse , the Veteran s VA doctor recommended surgery to stop more damage from happening. Since the doctor wouldn t know if the surgery was successful until 3 months after the Veteran s 1-week stay in the hospital , we granted the Veteran a temporary 100% disability rating for 3 months.", "Eligibility requirements for VA home loan programs \nLearn about VA home loan eligibility requirements for a VA direct or VA - backed loan. Find out how to apply for a Certificate of Eligibility COE to show your lender that you qualify based on your service history and duty status. Keep in mind that for a VA - backed home loan, you ll also need to meet your lender s credit and income loan requirements to receive financing.  Can I get a Certificate of Eligibility for a VA direct or VA-backed home loan? \nYou may be able to get a COE if you didn t receive a dishonorable discharge and you meet the minimum active - duty service requirement based on when you served.  How do I apply for my COE? \nYou can apply online right now. Go to eBenefits to apply Learn more about how to apply for your COE  What if I don t meet the minimum service requirements? \nYou may still be able to get a COE if you were discharged for one of the reasons listed below. You must have been discharged for one of these reasons : Hardship , or The convenience of the government , or Reduction in force , or Certain medical conditions , or A service - connected disability a disability related to your military service  What should I do if I received an other than honorable, bad conduct, or dishonorable discharge? \nIf you ve received one of these discharge statuses , you may not be eligible for VA benefits. There are 2 ways you can try to qualify : Find out how to apply for a discharge upgradeLearn about the VA Character of Discharge review process ", "Can I get a COE as the spouse of a Veteran? \nYou may be able to get a COE if you re the surviving spouse of a Veteran or the spouse of a Veteran who is missing in action or being held as a Prisoner of War POW. Find out how to apply for a COE as a surviving spouse  Can I get a COE in any other situations? \nYou may be able to get a COE if you meet at least one of the requirements listed below. At least one of these must be true. You: Are a U.S. citizen who served in the Armed Forces of a government allied with the United States in World War II , or Served as a member in certain organizations, like a : Public Health Service officer Cadet at the United States Military, Air Force, or Coast Guard Academy Midshipman at the United States Naval Academy Officer of the National Oceanic & Atmospheric Administration Merchant seaman during World War II  Can I use a COE I used before? \nYou may be able to restore an entitlement you used in the past to buy another home with a VA direct or VA - backed loan if you meet at least one of the requirements listed below. At least one of these must be true : You ve sold the home you bought with the prior loan and have paid that loan in full , or A qualified Veteran - transferee agrees to assume your loan and substitute their entitlement for the same amount of entitlement you used originally , or You ve repaid your prior loan in full , but haven t sold the home you bought with that loan you can only do this one time To request an entitlement restoration , fill out a Request for a Certificate of Eligibility VA Form 26 - 1880 and send it to the VA regional loan center for your state. Download VA Form 26 - 1880Find your state s VA regional loan center", "VA women s health services \nAs a woman Veteran , you re part of the fastest - growing group within our Veteran population. And we re dedicated to meeting your health care needs. If you qualify for VA health care , you can get access to high - quality women s health services as part of your benefits. Find out more about how to access these services below.  What women s health services does VA provide? \nWe provide primary care services, including: \nGeneral services , like disease prevention and nutrition counseling Female - specific services , like birth control , preconception counseling , and menopausal support hormone replacement therapy Screenings , like cervical cancer screens Pap smears and breast cancer screens mammograms Mental health services for depression, posttraumatic stress disorder PTSD, and substance use problems. Learn more about mental health services Free , confidential private counseling and treatment for mental and physical health conditions related to military sexual trauma MST. Learn more about services for MST  We also provide specialty services, including: \nScreening and management of chronic long - lasting conditions, like heart disease and diabetes Screening and management of sexually transmitted diseases STDs like HIV / AIDS and hepatitis Maternity care and other reproductive health services Treatment for sexual problems, urinary incontinence, and other issues Prosthetic and sensory aid PSA services , like prosthetic limbs, hearing aids, and post - mastectomy items. Download our fact sheet on prosthetic and sensory services for women Veterans PDF Referrals for physical therapy, occupational therapy, speech - language therapy, and other rehabilitation therapies Homebound and long - term care for those who meet specific requirements Please note that we cannot, by law, provide abortion services. Through legislation announced January 19 , 2017 , we are expanding our fertility services to include counseling and treatment using assisted reproductive technologies including in vitro fertilization IVF. These services will be available to Veterans and spouses of Veterans who have a service - connected disability that makes it impossible for them to have a baby without the help of fertility treatment. Veterans can begin scheduling appointments to find out if they qualify and to get a clinical exam, consultation, and initial treatment as we work to build the program s structure. Learn more about the recent changes in IVF coverage ", "Telephone care \nIf you re a woman Veteran and you re currently signed up for VA health care , you can reach a VA health care provider at your local VA medical center by phone 24 hours a day , 7 days a week. This provider will answer questions and give you advice on health concerns. If you re currently signed up for VA health care , contact your VA medical center and ask for the provider s phone number. Find a VA medical center near you  Programs for specific groups of women \nWe provide services for : who are homeless Women Veterans Victims of intimate partner violence Women Veterans who want : Education and training Employment help Vocational rehabilitation job training  How do I access women s health care services through VA? \nThe VA health care program covers women s health services. To access these services , first apply for VA health care. Apply for VA health care Once you ve signed up : Talk to your primary care provider, who will connect you with any services you may need , or Contact the Women Veterans Program Manager at your local VA medical center. She will help coordinate all the services you may need from primary care to specialized care for chronic long - lasting conditions or reproductive health. To connect with your local Women Veterans Program Manager : Contact your local medical center and ask for the Women Veterans Program Manager find a VA medical center near you , or Call our Women Veterans Call Center at 855 - 829 - 6636 , Monday through Friday , 8:00 a.m. to 10:00 p.m. ET , and Saturday , 8:00 a.m. to 6:30 p.m. ET , and we ll connect you with your local manager. Chat online with a trained Women Veterans Call Center representative Monday through Friday , 8:00 a.m. to 10:00 p.m. ET. This chat function is private and anonymous. Please don t include any personal information, like your Social Security number. Start a chat with the Women Veterans Call Center You can also look for women s health services specific to your nearest VA medical center. To do this , go to the website of the VA health care system that the medical center is part of. In the page s navigation , click on Health Care Services. A submenu will appear. Select Women Veterans. Find your medical center s website ", "What if I don t have VA health care benefits? \nIf you don t have VA health care benefits , you may still be able to get care : If you re not sure what health benefits you may have earned , contact our Women Veterans Call Center. Our trained, all - female staff will help you figure out your benefits and take the next step to getting care. Call 855 - 829 - 6636. Or , start a secure chat. If you ve served in a combat zone , get free private counseling, alcohol and drug assessment, and other support at one of our 300 community Vet Centers. Find a Vet Center near you If you re homeless or at risk of becoming homeless : Visit our website to learn about VA programs for Veterans who are homeless. Learn about our homelessness programs Contact the National Call Center for Homeless Veterans at 877 - 424 - 3838 for help 24 hours a day , 7 days a week. A trained VA counselor will offer information about VA homeless programs, health care, and other services in your area. The call is free and confidential. Call or visit your local VA Community Resource and Referral Center. Even if you don t qualify for VA health care , our staff can help you find non - VA resources you may qualify for in your community. Find your local Community Resource and Referral Center ", "How can I get help related to sexual trauma? \nIf you re a Veteran who has experienced MST , you can get help through VA . You don t need to have a service - connected disability rating, and you may be able to get MST - related care even if you don t qualify for other VA services. You also don t need to have reported the MST or have other proof that it happened. Learn more about support for MST  Where can I find more information and support? \nOur women s health website gives you the latest information about how we help women Veterans stay well. Visit the women s health website Our Center for Women Veterans website tells you about health care and other benefits and programs for women Veterans. Visit the Center for Women Veterans website Our Women Veterans Call Center representatives can help you understand your VA benefits and find the right services to fit your needs. Get free, confidential guidance. Call the Center at 855 - 829 - 6636 , Monday through Friday , 8:00 a.m. to 10:00 p.m. ET , and Saturday , 8:00 a.m. to 6:30 p.m. ET.", "VA Survivors Pension \nA VA Survivors Pension offers monthly payments to qualified surviving spouses and unmarried dependent children of wartime Veterans who meet certain income and net worth limits set by Congress. Find out if you qualify and how to apply.  Am I eligible for a VA Survivors Pension as a surviving spouse? \nIf you haven t remarried after the Veteran s death , if the deceased Veteran didn t receive a dishonorable discharge and their service meets at least one of the requirements listed below , and you may be eligible for this benefit. At least one of these must be true. The Veteran : Entered active duty on or before September 7 , 1980 , and served at least 90 days on active military service, with at least 1 day during a wartime period , or Entered active duty after September 7 , 1980 , and served at least 24 months or the full period for which they were called or ordered to active duty with some exceptions, with at least 1 day during a wartime period or Was an officer and started on active duty after October 16 , 1981 , and hadn t previously served on active duty for at least 24 months And this must be true for you : Your yearly family income and net worth meet certain limits set by Congress. Your net worth equals the value of everything you own except your house, your car, and most home furnishings, minus any debt you owe. ", "How do I know if the Veteran served under an eligible wartime period? \nUnder current law , we recognize the following wartime periods to decide eligibility for pension benefits : Mexican Border period May 9 , 1916, to April 5 , 1917, for Veterans who served in Mexico, on its borders, or in adjacent waters World War I April 6 , 1917, to November 11 , 1918 World War II December 7 , 1941, to December 31 , 1946 Korean conflict June 27 , 1950, to January 31 , 1955 Vietnam War era (February 28, 1961, to May 7, 1975 for Veterans who served in the Republic of Vietnam during that period. August 5, 1964, to May 7, 1975, for Veterans who served outside of the Republic of Vietnam.) Gulf War August 2 , 1990, through a future date to be set by law or presidential proclamation  Am I eligible for a VA Survivors Pension as the child of a deceased wartime Veteran? \nIf you re unmarried and you meet at least one of the requirements listed below , you may be eligible for this benefit. At least one of these must be true : You re under age 18 , or You re under age 23 and attending a VA - approved school , or You re unable to care for yourself due to a disability that happened before age 18  How do I apply for a VA Survivors Pension? \nYou can apply in any of these ways : ", "By mail \nFill out an Application for DIC, Death Pension, and/or Accrued Benefits VA Form 21 - 534EZ. Download VA Form 21 - 534EZ PDF Mail it to the pension management center PMC for your state. Find your PMC  In person \nBring your application to a VA regional office near you. Find a VA regional benefit office near you  With the help of a trained professional \nYou can work with a trained professional called an accredited representative to get help applying for VA survivors pension benefits. Get help filing your claim  How long does it take VA to make a decision? \nIt depends. We process VA Survivors Pension claims in the order we receive them, unless a claim requires priority processing.", "How to apply for VA health care \nFind out how to apply for VA health care benefits as a Veteran or service member.  How do I prepare before starting my application? \nFind out if you re eligible for VA health care benefits Gather the documents listed below that you ll need to fill out an Application for Health Benefits VA Form 10 - 10EZ  What documents and information do I need to apply? \nYour most recent tax return Social Security numbers for yourself and your qualified dependents Account numbers for any current health insurance you already have like Medicare, private insurance, or insurance from your employer Llene la solicitud para Beneficions de Salud Forma 10 - 10EZ. Obtenga la Forma VA 10 - 10EZ Usted o alguien con poder legal para representarlo tiene que firmar la forma , e incluir la fecha en que fu firmada. Si esta usando un poder legal , tendra que incluir una copia de la forma con su solicitud. Si firma con una X , 2 personas que usted conoce tienen que tambien firmar acertando que lo vieron firmar la forma. Puede mandar su solicitud por correo a esta direcci n : Health Eligibility Center2957 Clairmont Rd . , Suite 200Atlanta, GA 30329 Para llenar su solicitude en persona, encuetre el Centro M dico de Veteranos mas cercano en esta liga: Encuentre el Centro o Cl nica de Veteranos mas cercano a usted O reciba ayuda por medio del Departmaneto de Veteranos de su estado. Encuentre el Departamento de Veteranos de su estado ", "You can also apply: \nBy phone \nCall our toll - free hotline at 877 - 222 - 8387 , Monday through Friday , 8:00 a.m. to 8:00 p.m. ET to get help with your application.  By mail \nFill out an Application for Health Benefits VA Form 10 - 10EZ. Download VA Form 10 - 10EZ PDF You or someone acting as your power of attorney must sign and date the form. And: If you re using a power of attorney , you ll need to submit a copy of the Power of Attorney form along with your application. If you sign with an X , 2 people you know must witness your signature. They ll also need to sign and print their names on the form. Send your completed application here : Health Eligibility Center2957 Clairmont Rd . , Suite 200Atlanta, GA 30329  In person \nFill out an Application for Health Benefits VA Form 10 - 10EZ. Download VA Form 10 - 10EZ PDF You or someone acting as your power of attorney must sign and date the form. And: If you re using a power of attorney , you ll need to submit a copy of the Power of Attorney form along with your application. If you sign with an X , 2 people you know must witness your signature. They ll also need to sign and print their names on the form. Go to your nearest VA medical center or clinic. Bring a signed Application for Health Benefits VA Form 10 - 10EZ with you. Find a VA medical center or clinic near you Or get help through your state s Department of Veterans Affairs. Find your state s Department of Veterans Affairs ", "With the help of a trained professional \nYou can work with a trained professional called an accredited representative to get help applying for health care benefits. Get help filing your claim  What happens after I apply? \nFind out what happens after you apply If you ve also applied for a VA pension or disability benefits , you can check the status of those claims online. Check the status of your claim  How long does it take VA to make a decision? \nIf more than a week has passed since you gave us your application and you haven t heard back , please don t apply again. Call our toll - free hotline at 877 - 222 - 8387 , Monday through Friday , 8:00 a.m. to 8:00 p.m. ET.  More information about applying \nTo update your personal, insurance, or financial information from an earlier application , fill out a Health Benefits Update Form VA Form 10 - 10EZR. Download VA Form 10 - 10EZR PDF You may qualify for VA health care and other benefits. View the Application for the Program of Comprehensive Assistance for Family Caregivers VA Form 10 - 10CG. Download VA Form 10 - 10CG PDF If you need community nursing home care, domiciliary care, adult day health care, geriatric evaluation, or respite care , you may need to fill out an Application for Extended Care Services VA Form 10 - 10EC. Download VA Form 10 - 10EC PDF", "File a Supplemental Claim with new evidence \nYou must add evidence VA didn t have before that s relevant to your case.  Can I file a Supplemental Claim? \nYou can file a Supplemental Claim within 1 year of a decision if you have new evidence, unless one of these rare situations applies to you. You have a : Fiduciary claim , orMultiple party claim  How long does it take VA to make a decision? \nWhat s considered new and relevant evidence? \nNew evidence is information that VA didn t have before the last decision. Relevant evidence is information that could prove or disprove something about your case. You can submit evidence yourself , or you can ask VA to get evidence, like medical records, that s at a VA medical center or other federal facility. VA can t accept your Supplemental Claim without new and relevant evidence.  How do I file a Supplemental Claim with new evidence? \nTo file a Supplemental Claim , fill out the Decision Review Request: Supplemental Claim VA Form 20 - 0995. Download VA Form 20 - 0995 PDF  Select a benefit type in Part I on the form \nThe most common benefit type is compensation , but if you re unsure, check your VA decision. You can t select multiple benefit types. You must complete a separate form for each type.  List the issue(s) you want VA to review in Part II on the form \nYou can include all or just some of the issues VA decided. You must list the issue you disagree with and the VA decision date. ", "Gather new and relevant evidence to submit \nYou must add new and relevant evidence supporting documents or identify evidence you d like VA to gather for review. List the location of VA evidence in Part III. VA can help you get evidence if it s at a VA medical center or other federal facility. For more details , see the instructions for completing the form. What if I don t have any new and relevant evidence? If you don t have evidence to submit , please select another review option. Learn more about the review options  Apply \nFill out the Decision Review Request: Supplemental Claim VA Form 20 - 0995. Download VA Form 20 - 0995 PDF By mail Send the completed form and any supporting documents to the benefit office that matches the benefit type you selected on the form. Compensation Department of Veterans AffairsClaims Intake CenterPO Box 4444Janesville , WI 53547 - 4444  Pension/Survivors benefits \nIf you live in AK, AZ, CA, CO, HI, ID, IA, KS, MN, MT, NB, NV, NM, ND, OK, OR, SD, TX, UT, WA, WY, Mexico, Central America, South America, or the Caribbean Department of Veterans AffairsClaims Intake CenterAttention : St. Paul Pension CenterPO Box 5365Janesville , WI 53547 - 5365Fax : 844 - 655 - 1604  Pension/Survivors benefits \nIf you live in CT, DL, FL, GA, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, WV, DC, Puerto Rico, or Canada Department of Veterans AffairsClaims Intake CenterAttention : Philadelphia Pension CenterPO Box 5206Janesville , WI 53547 - 5206Fax : 844 - 655 - 1604 ", "Pension/Survivors benefits \nIf you live in AL, AR, IL, IN, KY, LA, MI, MS, MO, OH, TN, or WI Department of Veterans AffairsClaims Intake CenterAttention : Milwaukee Pension CenterPO Box 5192Janesville , WI 53547 - 5192Fax : 844 - 655 - 1604  National Cemetery Administration \nPlease refer to yourdecision for instructionson how to submit theform.  Education \nPlease refer to yourdecision for instructionson how to submit theform.  Veterans Health Administration \nPlease refer to yourdecision for instructionson how to submit theform.  Vocational Rehabilitation and Employment \nPlease refer to yourdecision for instructionson how to submit theform.  Insurance \nPlease refer to yourdecision for instructionson how to submit theform.  Loan guaranty \nPlease refer to yourdecision for instructionson how to submit theform. In personBring your completed form and any supporting documents to a regional benefit office. Find a regional benefit office near you By faxFax your completed form and any supporting documents to 844 - 531 - 7818. You can also ask a regional benefit office for a copy of this form to fill out. Or you can call the VA toll - free hotline at 800 - 827 - 1000, Monday through Friday , 8:00 a.m. - 9:00 p.m. ET , to request a form.  Mark your calendar \nYou have 1 year from the date on your decision to file a Supplemental Claim.  What happens next? \nFind out what happens after you request a decision review You don t need to do anything while you re waiting unless VA sends you a letter asking for more information. If VA schedules exams for you , be sure not to miss them. Track the status of your claim ", "How to apply for a VA home loan Certificate of Eligibility \nLearn how to apply for a VA home loan Certificate of Eligibility COE. This is the first step in getting a VA direct or VA - backed home loan. It confirms for your lender that you qualify for the VA home loan benefit. Then , choose your loan type and learn about the rest of the loan application process.  How do I prepare before starting my application? \nGather the information you ll need to apply for your COE. Click on the description below that matches you best to find out what you ll need : If you re a Veteran , you ll need a copy of your discharge or separation papers DD214. If you re an active - duty Servicemember , you ll need : A statement of service signed by your commander, adjutant, or personnel officer showing this information : Your full name Your Social Security number Your date of birth you entered duty The date The duration of any lost time The name of the command providing the information If you re a current or former activated National Guard or Reserve member , you ll need a copy of your discharge or separation papers DD214. If you re a current member of the National Guard or Reserves, and have never been activated , you ll need : A statement of service signed by your commander, adjutant, or personnel officer showing this information : Your full name Your Social Security number Your date of birth you entered duty The date Your total number of creditable years of service The duration of any lost time The name of the command providing the information If you re a discharged member of the National Guard and were never activated , you ll need : Your Report of Separation and Record of Service NGB Form 22 for each period of National Guard service , and Your Retirement Points Statement NGB Form 23 and proof of the character of service If you re a discharged member of the Reserves and were never activated , you ll need : A copy of your latest annual retirement points , and Proof of your honorable service Find out how to apply for a COE as a surviving spouse ", "How do I apply for my VA home loan Certificate of Eligibility? \nYou can apply online right now. Go to eBenefits to apply  You can also apply: \nThrough our Web LGY system \nIn some cases , you can get your COE through your lender using our Web LGY system. Ask your lender about this option.  By mail \nTo apply by mail , fill out a Request for a Certificate of Eligibility VA Form 26 - 1880 and mail it to the address listed on the form. Please keep in mind that this may take longer than applying online or through our Web LGY system. Download VA Form 26 - 1880.  Next steps for getting a VA direct or VA-backed home loan \nApplying for your COE is only one part of the process for getting a VA direct or VA - backed home loan. Your next steps will depend on the type of loan you re looking to get and on your lender. For most loans , the lender will be a private bank or mortgage company. For the Native American Direct Loan , we ll be your lender.", "Foreign programs \nIf you plan to study at a foreign school , find out how you can use VA benefits to cover your tuition and fees.  Can I get VA education benefits to study at a foreign school? \nYou can get education benefits if you meet all of the requirements listed below. All of these must be true : You re eligible for or already get VA educational assistance as a Veteran, service member, Reservist, or qualified dependent, and We ve approved your program , and Your program is at an institution of higher learning where you ll earn a standard associate s degree or higher, or a degree of equal value at that foreign school. Exception : Family members who qualify for Survivors and Dependents Educational Assistance can get VA benefits while in approved postsecondary after high school non - college degree programs at training locations in the Philippines.  What benefits can I get? \nMoney for school Money for your housing costs during enrollment  Can I attend any foreign school? \nWe ll accept degrees from schools in foreign countries that are similar to degrees granted by accredited U.S. colleges and universities. Accredited means that a group of experts has confirmed the school meets certain recognized quality standards. For private schools overseas , the degree must be of equal value to those granted by public colleges and universities in the same country , and the school must have the same entrance requirements. Independent study courses must be accredited by a nationally recognized accrediting association. 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 Exception : Programs at schools located in the United States that offer courses in a foreign country through the Department of Defense don t qualify as foreign training. Also , year abroad and similar programs offered by schools in the United States don t qualify as foreign training. ", "How do I get these benefits? \nBefore you enroll, make sure we ve approved your school for education benefits. \nContact the school or use the GI Bill Comparison Tool to find out if we ve approved your program for VA educational benefits. Use the GI Bill Comparison Tool You'll need to give us the name of the foreign school, the complete address, and the name of the program you want to enroll in. We ll let you know if your program has already been approved. If you still have questions about the school or program , you can submit a question to us using the GI Bill website. Go to the GI Bill website You can also send us a request for information about your program's approval status by mail. Send your request to : Foreign School Approval Group 22-EDU VA Regional Office 130 S. Elmwood Avenue Suite 601 Buffalo , NY 14202 If you or your qualified dependent want to enroll in a program that we haven t approved , you ll need to ask the school to request approval. We can t take any action until an official from your school not you requests approval. If we don t approve your program , you ll have to pay all costs at the school, including tuition and fees.  Apply for benefits. \nFind out how to apply Turn in your application to us at least 90 days before you leave for your new school. We ll decide what benefits you get based on your school s location. If you get approved for benefits , turn in your Certificate of Eligibility COE to the school s certifying official to show that you qualify for VA benefits. Your school s certifying official will submit your enrollment information with a VA Enrollment Certification VA Form 22 - 1999. Note: You won t get payments until we ve received and processed your enrollment information. ", "Make arrangements for school and travel. \nBe sure you have enough money to cover all your needs until VA payments begin. Make arrangements with the school for acceptance, enrollment, payment of tuition and fees, and housing. Make arrangements for travel including your passport, visa, and vaccinations, as required. Ask about your school s or host country s requirements for health insurance. This is very important. In some cases , you may not be able to start classes until you ve made health insurance arrangements.  Give written permission for school officials to release necessary information to us. \nIf you don t do this , it could affect when you get benefits. If you plan to attend the foreign school for more than one year , tell the school within 120 days of when you want to re - enroll for another year. Ask the certifying official to submit an enrollment certification for you. Normally , foreign schools certify their students for one academic year. So you ll need to make sure the school knows your plans for continued enrollment to avoid any delay in getting your benefits.  Where will you process my claim? \nIf you re training in the Republic of the Philippines, American Samoa, Guam, Midway, Puerto Rico, Wake Island, any of the islands in the Federated States of the Marshall Islands, the Republic of Micronesia, or the Republic of Palau , our Muskogee Regional Processing Office will process your claim. If you re training in the U.S. Virgin Islands or any other foreign country or area , our Buffalo Regional Processing Office will process your claim. ", "What if I need more help? \nTo get more information or help with your application : Ask a question online If you re in the United States , call 888-GI - BILL-1 888 - 442 - 4551, Monday through Friday , 8:00 a.m. to 7:00 p.m. ET. Or go to a VA regional benefit office near you. Find a VA regional benefit office If you have hearing loss , call TTY : 711. If you re outside the United States , call + 1 - 918 - 781 - 5678 , Monday through Friday , 8:00 a.m. to 7:00 p.m. ET. This is not a toll - free number. You can also : Get help from local representatives of Veterans organizations and the American Red Cross Go to a foreign service post Contact the Canadian Department of Veterans Affairs for Canadian schools only", "National Call to Service program \nIf you performed a period of national service , you may qualify for the National Call to Service program, which allows you to choose an education benefit as an alternative to the Montgomery GI Bill MGIB. Find out if you qualify.  Am I eligible for this benefit? \nYou qualify for the National Call to Service program if you meet the requirements listed below. Both of these must be true : You completed your initial entry training and then continued to serve on active duty for 15 months in a military occupational specialty designated by the Secretary of Defense , and Then , without a break in service , you served either an additional period of active duty as determined by the Secretary of Defense or a period of 24 months in active status in the Selected Reserve And one of these must be true : Without a break in service , you then spent the rest of your obligated service : On active duty in the Armed Forces , or In the Selected Reserve , or In the Individual Ready Reserve , or In AmeriCorps, or another domestic national service program jointly designated by the Secretary of Defense  Who s covered? \nVeterans  What benefits can I get? \nYou may choose one of these : A cash bonus of $5,000 , or Repayment of a qualifying student loan not more than $18,000 , or Educational assistance equal to the 3-year monthly MGIB rate for 12 months , or Educational assistance equal to 50% of the less - than-3-year monthly MGIB rate for 36 months ", "How do I get these benefits? \nApply online now If you enlist under the National Call to Service program , you don t qualify for MGIB, unless you reenlist at a later date for an additional period of service. Contact your recruiter to see if you qualify and to enroll in the National Call to Service program. This benefit affects your service contract.  Get more information \nNational Call to Service program pamphlet PDF This program is administered by VA for the Department of Defense.", "Benefits for spouses and dependents (VA DIC) \nIf you re the surviving spouse, child, or parent of a service member who died in the line of duty, or the survivor of a Veteran who died from a service - related injury or illness, you may be able to get a tax - free monetary benefit called VA Dependency and Indemnity Compensation VA DIC. Find out if you can get VA benefits or compensation.  DIC eligibility for survivors of Blue Water Navy Vietnam Veterans \nIf we denied your Blue Water Navy Veteran s service - connected disability claim in the past , you may be eligible for DIC benefits based on the Blue Water Navy Vietnam Veterans Act of 2019. See DIC eligibility information and how to apply. Veterans who served on a Blue Water Navy vessel offshore of the Republic of Vietnam, or on another U.S. Navy or Coast Guard ship operating in the coastal waterways of Vietnam between January 9 , 1962, and May 7 , 1975, are now entitled to a presumption of service connection for illnesses related to Agent Orange exposure. This is a result of Public Law 116 - 23, also known as the Blue Water Navy Vietnam Veterans Act of 2019.  Am I eligible for VA DIC as a surviving spouse or dependent? \nYou may be eligible for VA benefits or compensation for surviving spouses if you meet the requirements listed below. You ll also need to provide evidence with your claim showing that one of the descriptions below is true for the Veteran or service member. Evidence may include documents like military service records, doctor s reports, and medical test results. One of these must be true. You: Married the Veteran or service member before January 1 , 1957 , or Married the Veteran or service member within 15 years of their discharge from the period of military service during which the qualifying illness or injury started or got worse , or Were married to the Veteran or service member for at least 1 year , or Had a child with the Veteran or service member , aren t currently remarried , and either lived with the Veteran or service member without a break until their death or, if separated, weren t at fault for the separation Note: If you remarried on or after December 16 , 2003, and you were 57 years of age or older at the time you remarried , you can still continue to receive compensation. You ll also need to provide evidence showing that one of these descriptions is true for the Veteran or service member : The service member died while on active duty, active duty for training, or inactive - duty training, or The Veteran died from a service - connected illness or injury , or The Veteran didn t die from a service - connected illness or injury, but was eligible to receive VA compensation for a service - connected disability rated as totally disabling for a certain period of time If the Veteran s eligibility was due to a rating of totally disabling , they must have had this rating : For at least 10 years before their death , or Since their release from active duty and for at least 5 years immediately before their death , or For at least 1 year before their death if they were a former prisoner of war who died after September 30 , 1999 Note : Totally disabling means the Veteran s injuries made it impossible for them to work. You may be able to get compensation as a surviving child if you meet the requirements listed below. You ll also need to provide evidence with your claim showing that one of the descriptions below is true for the Veteran or service member. Evidence may include documents like military service records, doctor s reports, and medical test results. All of these must be true. You: Aren t married , and Aren t included on the surviving spouse s compensation , and Are under the age of 18 or under the age of 23 if attending school Note: If you were adopted out of the Veteran s or service member s family, but meet all other eligibility criteria , you still qualify for compensation. You ll also need to provide evidence that one of these descriptions is true for the Veteran or service member : The service member died while on active duty, active duty for training, or inactive - duty training, or The Veteran died from a service - connected illness or injury , or The Veteran didn t die from a service - connected illness or injury, but was eligible to receive VA compensation for a service - connected disability that was rated as totally disabling for a certain period of time If the Veteran s eligibility was due to a service - connected disability rated as totally disabling , they must have had this rating : For at least 10 years before their death , or Since their release from active duty and for at least 5 years immediately before their death , or For at least 1 year before their death if they were a former prisoner of war who died after September 30 , 1999 Note : Totally disabling means the Veteran s injuries make it impossible for them to work. You may be able to get compensation as a surviving parent if both of the descriptions below are true for you. You ll also need to provide evidence with your claim showing that one of the descriptions below is true for the Veteran or service member. Evidence may include documents like military service records, doctor s reports, and medical test results. Both of these must be true : You re the biological, adoptive, or foster parent of the Veteran or service member , and Your income is below a certain amount View the parents DIC rate table Note: We define a foster parent as someone who served in the role of a parent to the Veteran or service member before their last entry into active service. You ll also need to provide evidence that one of these descriptions is true for the Veteran or service member : The service member died from an injury or illness while on active duty or in the line of duty while on active duty for training , or The service member died from an injury or certain illnesses in the line of duty while on inactive training , or The Veteran died from a service - connected illness or injury ", "What kind of benefits can I get? \nTax - free monetary benefits  How do I apply for compensation? \nFirst you ll need to fill out an application for benefits. The application you fill out will depend on your survivor status. If you re the surviving spouse or child of a service member who died while on active duty , your military casualty assistance officer will help you to complete an Application for DIC, Death Pension, and/or Accrued Benefits by a Surviving Spouse or Child VA Form 21P-534a. The officer will help you mail the form to the correct VA regional benefit office. Download VA Form 21P-534a PDF If you re the surviving spouse or child of a Veteran , fill out an Application for DIC, Death Pension, and/or Accrued Benefits VA Form 21P-534EZ. Download VA Form 21P-534EZ PDF If you re a surviving parent , fill out an Application for Dependency and Indemnity Compensation by Parent VA Form 21P-535. Download VA Form 21P-535 PDF  You can apply for this benefit in any of these ways: \nMail the form to the Pension Management Center PMC for your state. Find your PMC Work with an accredited representative. Get help filing your claim Go to a VA regional benefit office and get help from a VA employee. Find a VA regional benefit office near you", "Mustard gas or lewisite exposure \nIf you had contact with mustard gas also known as sulfur mustard, yperite, or nitrogen mustard or lewisite, a natural compound that contains the poison arsenic , you may have certain related long - term illnesses. Find out if you can get disability compensation or benefits.  Can I get disability benefits from VA? \nYou may be able to get disability benefits if you have a disability believed to be caused by contact with mustard gas or lewisite and your military record shows you had contact with mustard gas or lewisite. If you were in the Army and served in these places : Bari , Italy Bushnell , FL Camp Lejeune , NC Camp Sibert, AL Dugway Proving Ground , UT Edgewood Arsenal , MD Naval Research Lab , Washington, DC Ondal , India Rocky Mountain Arsenal , CO San Jose Island , Panama Canal Zone If you were in the Navy and served in these places : Bari , Italy Camp Lejeune , NC Charleston , SC Great Lakes Naval Training Center , IL Hart s Island , NY Naval Training Center , Bainbridge, MD Naval Research Laboratory , VA Naval Research Laboratory , Washington, DC USS Eagle Boat 58 Some service members who took part in testing in these places : Finschhafen , New Guinea Porton Down , England Select merchant seamen were also exposed at Bari, Italy.  Who s covered? \nVeterans  What kind of disability benefits can I get? \nHealth care Compensation payments ", "How do I get these benefits? \nYou ll need to file a claim for disability compensation. You have to claim an actual disease or disability. It s not enough to state that you were exposed to mustard gas or lewisite during service. You ll need to apply based on the illnesses believed to be caused by your contact with one of these chemicals. When you send in your claim , be sure to share any military records that show you had contact with blistering agents. Find out how to file a claim for disability compensation  What if I need help filing my disability claim? \nIf you have questions about benefits related to mustard gas exposure , you can contact us via email. Email us at mustardgas@vba.va.gov You can also get help from a trained professional trusted to help with VA - related claims. Get help filing your claim  Can I get benefits if I volunteered for research involving chemical and biological testing? \nAs many as 60,000 Veterans volunteered for medical research for the U.S. Biological and Chemical Programs. If you were involved in this research , you can get medical care through the U.S. Army if you meet both of the requirements listed below. Both of these must be true. You: Volunteered for research involving chemical and biological testing between 1942 and 1975, and Have an injury or disease directly caused by your participation in this testing If you have questions or need help getting medical care : Visit the U.S. Army web page , or Call 800 - 984 - 8523", "Veterans technology education courses \nIf you want to gain computer experience to start or advance your career in the high - technology industry , find out if you re eligible for our new Veteran Employment Through Technology Education Courses VET TEC program that matches you with a leading training provider to help you develop high - tech skills.  Am I eligible for this program? \nYou may be eligible for VET TEC if you meet all of the requirements listed below. All of these must be true. You: Aren t on active duty , and Qualify for VA education assistance under the GI Bill , and Have at least one day of unexpired GI Bill entitlement , and Are accepted into a program by a VA - approved training provider Note: Your VET TEC training won t count against your GI Bill entitlement , and you need only one day of unexpired GI Bill benefits to participate.  What types of training does VET TEC cover? \nYou can get training in one of these high - demand training areas : Computer software Computer programming Data processing Information science Media applications  What benefits can I get through this program? \nWith VET TEC , you can get : Tuition for a full - time high - tech training program Money for housing during your training If you attend your training program in person , your housing stipend will be equal to the monthly military Basic Allowance for Housing BAH for an E-5 with dependents. This is based on the zip code where you attend your training. If you participate in an online program , your stipend will be half of the BAH national average for an E-5 with dependents. Note: If you don t attend a training for a full month , we ll prorate your housing payment for the days you train. ", "How do I apply? \nFirst , you ll need to apply for the VET TEC program by filling out an Application for Veteran Employment Through Technology Education Course VA Form 22 - 0994. If we determine that you re eligible for VET TEC , you ll then apply to the VA - approved training provider of your choice. Your training provider may review your qualifications to assess whether they think you ll be able to successfully complete their training program and find meaningful, relevant employment. VET TEC is a five - year pilot program. You can participate as long as the funding is available. Note: If you haven t already applied for VA education benefits , you ll also need to fill out an Application for VA Education Benefits VA Form 22 - 1990. Apply for education benefits  VET TEC training providers \nBrowse the list of VA - approved VET TEC training providers. A provider is considered preferred if the training facility agrees to refund tuition and fees if a student doesn t find meaningful employment within 180 days of completing the program.  How can I show that I ve completed the program? \nAfter you complete your training , you ll receive a certification of your new skills.  Get more information \nIf you have questions about the program or how to apply : Call us at 888-GIBILL1 1 - 888 - 442 - 4551. We re here Monday through Friday , 8:00 a.m. to 7:00 p.m. ET. If you have hearing loss , call TTY : 711. Or email us at VETTEC.VBABUF@va.gov.", "Fiduciary claims \nMark your calendar \nYou have 1 year from the date on your decision to request a decision review.  Decision review options \nAdd new and relevant evidence \nThe Supplemental Claim option isn t available for fiduciary claims. You can file a new claim if you have new evidence. Please choose one of the options below for your next review.  Ask for a new look from a senior reviewer \nDownload VA Form 20 - 0996: Higher - Level Review PDF When you choose a Higher - Level Review , you re asking for another review of the same evidence. A senior reviewer will take another look at your case and determine whether the decision can be changed based on a difference of opinion or an error. Learn how to request a Higher - Level Review  Can I request a Higher-Level Review? \nYou can request a Higher - Level Review of an initial claim. This option isn t available after a Higher - Level Review or Board Appeal.  Appeal to a Veterans Law Judge \nDownload VA Form 10182: Board Appeal PDF A judge at the Board of Veterans Appeals in Washington, D.C., will review your case. Learn more about how to request a Board Appeal  Can I request a Board Appeal? \nYou can request a Board Appeal after an initial claim or Higher - Level Review decision. You can t request two Board Appeals in a row.  After a Board decision \nIf you disagree with the Board s decision and have new and relevant evidence that supports your case , you can file a Supplemental Claim. You can also appeal to the U.S. Court of Appeals for Veterans Claims. Learn more about your options after a Board decision ", "What to expect after you get a disability rating \nIf you got a decision notice from us that confirms your disability rating the rating that measures the severity of your disability , you may be able to get disability compensation or benefits. Find out what benefits you can get. Disability compensation may include financial compensation payments as well as other benefits like health care or job training. If you haven t gotten your decision notice : Check your status , or Contact your nearest VA regional benefit office , or Call us at 800 - 827 - 1000, or Contact us online  When will I get my first payment? \nIf your decision notice shows at least a 10% disability rating , you ll get your first payment within 15 days. We ll pay you either by direct deposit or check. If you don t get a payment after 15 days , please call the Veterans help line at 800 - 827 - 1000, Monday through Friday , 8:00 a.m. to 9:00 p.m. ET.  What if I disagree with my disability rating? \nIf you disagree with your disability rating , you can file an appeal. You ll need to do this within 1 year of getting your decision notice. Learn about how to file an appeal  How do I get other benefits? \nFor health care : If you served on active duty and didn t receive a dishonorable discharge , you may be able to get VA health care. This includes access to VA doctors and care, plus medical equipment, prosthetics, and prescriptions. Apply for VA health care For life insurance : If you re in good health other than your disability caused by service in the military , you can buy Service - Disabled Veterans Insurance S - DVI a government life insurance policy. Apply for S - DVI online. Or , call 800 - 669 - 8477, Monday through Friday , 8:00 a.m. to 6:00 p.m. ET. For education benefits : You can get VA support for college or job training under special programs. Or , talk with a VA education counselor to find out what benefits you may be able to get. Learn about education benefits For dependent benefits : If you re 30% or more disabled due to a disability caused by service in the military , you can get financial support and benefits for your qualified dependents. Learn more about adding dependents to your disability benefits For other benefits : Check with your local or state VA offices for other benefits you may be able to get like help with buying a home or making changes to your home to make it more accessible, or help with getting a job. Find your state s Veterans Affairs website ", "How do I get benefits that cover specific disabilities? \nIf you have a 100% disability rating , you may be able to get : Dental care , and Access to commissaries and exchanges If you can t work due to your disability caused by service in the military even without a 100% rating you can apply for Individual Unemployability. Learn about Individual Unemployability If you need special clothing because of your injuries , you may be able to get money to buy new clothes. Learn about the annual clothing allowance benefit  Keep in touch \nIt s important to update your information with VA when you have a new address, a change to your marital status, or any other life change that could affect your rating or payment. If your disability gets worse , you can file a claim for an increase in benefits. Update your information in 1 of 2 ways : Make the change directly in eBenefits , or Contact your nearest VA regional benefit office", "How to apply for a Veteran ID Card \nA Veteran ID Card VIC is a form of photo ID you can use to get discounts offered to Veterans at many restaurants, hotels, stores, and other businesses. Find out if you re eligible for a Veteran ID Card and how to apply.  Am I eligible for a Veteran ID Card? \nYou may be eligible if you meet both of the requirements listed below. Both of these must be true. You: Served on active duty, in the Reserves, or in the National Guard including the Coast Guard , and Received an honorable or general discharge under honorable conditions If you received an other than honorable, bad conduct, or dishonorable character of discharge , you re not eligible for a Veteran ID Card. If you have an uncharacterized or unknown discharge status , we ll have to verify your eligibility before we approve your application. You ll need to provide a copy of your discharge papers when you apply for a VIC to prove your character of discharge. Please note : Retail vendors volunteer to take part in this discount program. If a business decides to provide discounts to Veterans , it doesn t mean that we re recommending or favoring that business.  How do I apply for a Veteran ID Card? \nYou can apply online now.  You ll need this information \nWhen you apply , be sure to have these on hand : Your Social Security number A digital copy of your DD214, DD256, DD257, or NGB22 that you can upload. This could be in a .pdf, .jpeg, or .png file format. A copy of a current and valid government - issued ID, such as a driver s license, passport, or state - issued identification card. You ll also need a digital color photo of yourself from the shoulders up. The photo should follow all these standards : Show a full front view of your face and neck with no hat, head covering, or headphones covering or casting shadows on your hairline or face, and Be cropped from your shoulders up much like a passport photo , and Show you with your eyes open and a neutral expression, and Be taken in clothing you d wear for a driver s license photo , and Be a square size and have a white or plain - color background with no scenery or other people in the photo , and Show what you look like now a photo taken sometime in the last 10 years, and Be uploaded as a .jpeg, .png, .bmp, or .tiff file ", "What happens after I apply for a Veteran ID Card? \nOnce you ve submitted your VIC application , we ll check your eligibility and verify that : Your character of discharge meets eligibility requirements , and The ID you submitted driver s license or passport is valid , and The image you ve chosen to appear on the card meets the photo requirements After we ve verified your eligibility , we ll send you an email letting you know the status of your application. If you have an unknown or uncharacterized discharge status , your application will take more time to process while we verify your eligibility. We may need to request your records from the National Personnel Records Center. If you receive an email from us asking for additional information or evidence to process your application , you ll need to sign in to AccessVA and update your application with the information we ask for.  Check the status of your application after you apply \nYou can sign in to your AccessVA account to check the status of your VIC application. Sign in to your AccessVA account  Replace your Veteran ID Card if it gets lost or stolen \nTo request a new card , please send us an email. Email us at vic@va.gov  Get help with your application \nIf you have any questions or need help , please send us an email. Email us at vic@va.gov  Learn more about how the Veteran ID Card works \nNo. Your Veteran ID Card won t replace your Veteran Health Identification Card or your Department of Defense ID Card. You can use any of these forms of ID to get the same discounts : A Veteran Health Identification Card VHIC , or A Department of Defense DoD Identification Card either a Common Access Card CAC or Uniformed Services ID Card, or A state - issued driver s license or ID with a Veterans designation Note : If you already have one of these, you don t need a Veteran ID Card, but you can still apply for it if you d like. You can t use your Veteran ID Card to : Prove your eligibility for any federal benefits , or Access military bases or installations , or Access military commissaries or exchanges , or Present as a form of identification at the airport , or Check into a VA hospital , or Show as proof of retirement from the Armed Forces , or Show as proof of wartime service to get a special license plate from the Department of Motor Vehicles", "Veteran suicide prevention \nIf you re a Veteran in a mental health crisis and you re thinking about hurting yourself or you know a Veteran who s considering this act now. You re not alone , and you can get help.  How do I talk to someone right now? \nIf you're a Veteran in crisis or concerned about one , 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. To connect with a Veterans Crisis Line responder anytime day or night : Call 800 - 273 - 8255 , then select 1. Start a confidential Veterans chat. Text 838255. If you have hearing loss , call TTY : 800 - 799 - 4889. You can also : Call 911. Go to the nearest emergency room. Go directly to your nearest VA medical center. It doesn't matter what your discharge status is or if you're enrolled in VA health care. Find your nearest VA medical center  Where can I turn for ongoing support? \nYou can find ongoing support through VA to help you get your life back on track: \nOur specially trained suicide prevention coordinators available in each VA medical center across the country can help you get the counseling and services you need. Our Vet Centers can help you and your family readjust to life at home after you ve returned from serving in a combat zone. Our Veterans Benefits Administration offices can help you access benefits for disability compensation monthly payments, job training, home loans, and more. Find these and other resources near you ", "You can also find information and support on our websites: \nGet information about suicide prevention and the support we offer. Visit our suicide prevention website Go to our Make the Connection website to get resources and watch stories of Veterans who ve overcome depression and other mental health challenges. Visit Make the Connection  What are the signs that someone may be considering suicide? \nMany Veterans don t show any signs of an urge to harm themselves before doing so. But some may show signs of depression, anxiety, low self - esteem, or hopelessness, like : Seeming sad, depressed, anxious, or agitated most of the time Sleeping either all the time or not much at all what they look like or what happens to them Not caring about Pulling away from friends, family, and society Losing interest in hobbies, work, school, or other things they used to care about Expressing feelings of excessive guilt or shame, failure, lack of purpose in life, or being trapped They may also change the way they act, and start to : Perform poorly at work or school Act violently or take risks like driving fast or running red lights Do things to prepare for a suicide like giving away special personal items, making a will, or seeking access to guns or pills Get the full list of signs that someone may be considering suicide Learn about common suicide myths and realities, Veteran - specific suicide risks, and warning signs. Recognize when to ask for help Take our Veterans self - check quiz ", "I want to help a Veteran adjust to life at home, but I don t know how. Can I get support? \nYes. If you re a family member or friend of a Veteran who s having trouble adjusting to life at home , we can help. Through our national Coaching Into Care program , our licensed psychologists and social workers will talk with you by phone, free of charge, to help you find your way around the VA system and figure out the best way to help the Veteran you care about. All calls are confidential private. To speak with a VA coach , call 888 - 823 - 7458, Monday through Friday , 8:00 a.m. to 8:00 p.m. ET. To get tips and resources for spouses, parents, and Veterans , visit the Coaching Into Care website. Visit Coaching into Care  How do I talk to my child about a suicide attempt in the family? \nGet tips for talking to children of different ages about suicide : Preschoolers School - age children Teenagers All ages", "GI Bill and other education benefit eligibility \nLearn about GI Bill eligibility requirements and find out if you can get these benefits. VA education benefits can help you pay your tuition, pick out a school, choose a career, and more. If you re an active - duty service member or Veteran, a member of the National Guard or Reserves, or a qualified survivor or dependent, find out if you can get VA education benefits through the GI Bill and other educational assistance programs.  Can I get VA education benefits through the Post-9/11 GI Bill? \nYou may be able to get benefits through the Post-9/11 GI Bill if you ve served on active duty for at least 90 days, whether continuous all at once or interrupted for shorter periods over time, after September 10 , 2001. Learn more about the Post-9/11 GI Bill  Can I get VA education benefits through the Montgomery GI Bill? \nYou may be eligible for benefits through one of our 2 Montgomery GI Bill programs.  Montgomery GI Bill Active Duty (MGIB-AD) \nYou can get benefits through MGIB - AD if you served at least 2 years on active duty and you meet all of the requirements listed below. All of these must be true. You: Were honorably discharged , and Have a high school diploma, GED, or 12 hours of college credit , and Meet other requirements Learn more about MGIB - AD  Montgomery GI Bill Selected Reserve (MGIB-SR) \nYou can get benefits through MGIB - SR if you re a member of the Army, Navy, Air Force, Marine Corps or Coast Guard Reserves, Army National Guard, or Air National Guard, and you meet all of the requirements listed below. All of these must be true. You: Have either a 6-year service obligation you agreed to serve 6 years in the Selected Service , or Are an officer in the Selected Reserve who agreed to serve 6 years in addition to your initial service obligation , and Meet other requirements Learn more about MGIB - SR ", "Can I get VA education benefits through other programs? \nYou may be able to get help paying for school tuition, testing fees, and advanced licensing and certifications through other VA educational assistance programs. You may also be able to get entrepreneurship training to help start or improve a small business. Learn more about advanced training and certifications Learn about other educational assistance programs  Can I get Educational and Career Counseling through VA? \nYou may be able to get Educational and Career Counseling also called Chapter 36 if you ll be discharged from active duty within 6 months. You may also qualify for these services if you separated from active duty not more than 1 year ago, didn t receive a dishonorable discharge, and qualify as a Veteran for educational assistance under a VA educational program. Learn more about Educational and Career Counseling  Are there any related benefits I may also be able to get? \nIf you have a service - connected disability that limits your ability to work or prevents you from working , you may be eligible for Vocational Rehabilitation and Employment benefits and services like help exploring employment options and getting more training if required. Find out if you qualify for Vocational Rehab and Employment  What should I do if I received an other than honorable, bad conduct, or dishonorable discharge? \nIf you ve received one of these discharge statuses , you may not be eligible for VA benefits. There are 2 ways you can try to qualify : Find out how to apply for a discharge upgradeLearn about the VA Character of Discharge review process ", "Can my spouse or dependent children get VA education benefits? \nIn some cases , the dependent or surviving spouse and children of a Veteran can get educational assistance through a GI Bill program. Learn more about Survivors and Dependents Assistance Also , if you haven t used all of your Post-9/11 GI Bill benefits , you may be able to transfer up to 36 months of benefits to your spouse or a dependent child. Learn more about transferring benefits If you have a service - connected disability that limits your ability to work or prevents you from working , your dependent family members may be eligible for Educational and Career Counseling and other support through the Vocational Rehabilitation and Employment program. Learn more about vocational rehab services for dependent family members Learn more about how to apply for education benefits Note: To apply for Vocational Rehabilitation and Employment or educational and career counseling benefits and services , you ll need to use a different application. Find out how to apply for Vocational Rehab and Employment Learn more about Educational and Career Counseling", "Schedule a burial for a Veteran or family member \nFind out how to make burial plans for a Veteran, spouse, or dependent family member.  How do I schedule a burial for a Veteran or other family member? \nIf you have a pre-need decision letter that confirms eligibility \nTo start , you may want to choose a funeral director to help you plan the burial. Then either you or the funeral director can call the National Cemetery Scheduling Office at 800 - 535 - 1117 to request a burial. Keep in mind that the pre - need decision letter doesn t identify a specific cemetery or gravesite, since it s not possible to reserve these in advance. In some cases , we may review your eligibility again at your time of death, as laws and circumstances may have changed since your pre - need application. You don t need to do anything else except prepare yourself and your family for the funeral. Find out what to expect at a military funeral or memorial service  If you don t have a pre-need decision letter \nTo start , you may want to choose a funeral director to help you plan the burial. Then either you or the funeral director will need to take these 3 steps to schedule the burial.  Gather the information and documents you ll need to identify the deceased when you call the National Cemetery Scheduling Office \nYou ll need the DD214 or other discharge documents of the Veteran or service member whose military serviced will be used to determine eligibility for burial in a VA national cemetery. Their discharge from service needs to have been under conditions other than dishonorable. We may also need other documents to verify a relationship to a Veteran or the status of a dependent. These may include a death certificate, letters from your doctor, a divorce decree, a statement from the Social Security Administration, or other documents to support your claim. Find out which discharge documents we accept along with your applicationFind out how to request the Veteran s DD214 If you can t find these documents , please ask for our help when you call. It may take us 48 hours or more to check eligibility if you don t have discharge documents. Note: Discharge documents aren t usually needed for scheduling when a Veteran or eligible dependent is already interred in a national cemetery. You ll also need this information about the deceased : Name Gender Social Security number or Military Service number Veteran ID Date of birth Relationship to the service member or Veteran whose military service will be used to decide eligibility Marital status Date of death and zip code and county at the time of death You ll need this information about the next - of - kin the closest living relative of the deceased : Name Relationship to the deceased Social Security number Phone number Address You may also need more information in certain cases : If the person was married , you ll also need the surviving spouse s status as Veteran, service member, or family member. If the person has any children with disabilities , you ll need the status and detailed information for any disabled children who may be buried in the future in a national cemetery. If the person s spouse passed away previously and was buried in a VA national cemetery , you ll need the full name of the spouse as well as the cemetery section and site number where they re buried. ", "Decide on the burial details and gather all related information \nYou ll need to tell us : where you d prefer the Veteran, spouse, or dependent family member be buriedFind a VA national cemeteryFind a state Veterans cemetery The cemetery The type of burial you d like for the person casket or cremation and the size of the casket or cremation urn The type of gravesite memorial you d like. This may be a headstone, grave marker, niche cover, or medallion. that you d like on the headstone or marker Any religious emblem or optional inscription If the person is a Veteran or Reservist , you ll also need to tell us if you d like burial honors or memorial items, such as : A burial flag A Presidential Memorial Certificate Other possible military honors beyond the playing of Taps and flag folding and presentation Request gravesite memorials and burial honorsLearn more about military funeral honors  Contact the National Cemetery Scheduling Office \nThe funeral director you ve chosen can help you with these steps too : For burial in a national cemetery , fax any discharge papers to the National Cemetery Scheduling Office at 866 - 900 - 6417. Or scan and email the papers to NCA.Scheduling@va.gov with the person s name you re requesting burial benefits for in the subject line. Then call 800 - 535 - 1117 to confirm the burial application. Be sure to have all the information handy that s listed above in the Prepare section. The National Cemetery Scheduling Office is open every day from 8:00 a.m. to 7:30 p.m. ET. The office is closed Thanksgiving Day, Christmas Day, and New Year s Day. Burials at national cemeteries take place Monday through Friday. When there s a federal holiday on a Monday or Friday , cemeteries may schedule burials either on the actual holiday or on one of the days over the holiday weekend. The National Cemetery Scheduling Office can tell you the available burial times for each cemetery. ", "Would I ever need to contact a national cemetery directly? \nYes , you should contact a national cemetery directly in these cases. To: Schedule a burial for an active - duty service member Cancel or reschedule a burial Change any information you already provided to the scheduling office Request a disinterment and/or relocation to another national cemetery Get information that s specific to a cemetery, like what can be inscribed on a headstone, the policy for flowers, and the hours of operation  Can I get information about the Burial at Sea program? \nIf you have questions about the Burial at Sea program , please contact the United States Navy Mortuary Affairs office toll - free at 866 - 787 - 0081. We re here Monday through Friday , 8:30 a.m. to 5:00 p.m. ET. Get more information about the Burial at Sea program  Can I get help paying for burial costs? \nIf you re the spouse of record the legally recognized spouse or a designated legally chosen family member of a Veteran , you may be able to get financial help for burial and funeral costs. Find out how to apply for a Veterans burial allowance", "Special claims \nDo you have a disability that isn t listed on this site as being linked to military service? You may still be able to get disability compensation payments or other benefits. If you re a Veteran with a disability we ve concluded is the result of an illness or injury caused or made worse by your active - duty service called a service - connected disability , you may be able to get special compensation to help with disabilities like the ones listed below. Automobile allowance and adaptive equipmentIf your service - connected disability prevents you from driving, find out if you can get money to help buy a specially equipped vehicle or make needed changes to your existing vehicle. Birth defects linked to Agent OrangeIf you were exposed to specific chemicals while serving in Vietnam, Thailand, or the Korean Demilitarized Zone , and your child has spina bifida or other birth defects , your child may be eligible for disability benefits. Replacing damaged clothingIf your clothing s been damaged by your prosthetic or orthopedic device or by medicine you re taking for a skin condition find out if you can get money to help buy new clothes. Recovery from surgery or an immobilizing disability convalescence If you re recovering from surgery or other treatment that s left you unable to move , find out if you can get temporary disability payments or other benefits. Dental careIf you re a Veteran, find out if you can get dental care through VA. Time spent in a hospitalIf you spent time in a VA or VA - approved hospital for a service - connected disability, find out if you can get benefits like disability payments for that time. Being unable to work Individual Unemployability If you can t work because of your service - connected disability , find out if you can get increased disability payments. Title 38 U.S.C. 1151 disabilitiesIf you suffered an added disability while getting VA medical care or taking part in a VA program designed to help you find, get, or keep a job, find out if you can get disability payments. Immediate help for temporary disability needs prestabilization If you recently ended your active military service and you have a service - connected disability, find out if you can get temporary disability payments or other benefits right away.", "Your VA primary care provider and PACT team \nAt VA , we take a team approach to health care with you at the center. Research shows this kind of approach leads to better quality care, more satisfied patients, and fewer hospital visits. Find out who will care for you when you become part of the VA health care program.  Who will provide care for me at VA? \nAfter you sign up for VA health care and choose your main VA location , we ll assign you to a health care team called a Patient Aligned Care Team or PACT. Your team will be made up of you, those who support you like your family members and caregivers, and your health care providers. Your team will include a : Primary care provider your main doctor, nurse practitioner, or physician s assistant Clinical pharmacist a pharmacist who works with you and your primary care provider to make sure you re taking the medicines that are right for you and your overall health Registered nurse RN care manager a nurse who makes sure your care is coordinated across all providers and services, and meets your health goals and your plan for care Licensed practical nurse LPN or medical assistant and clerk team members who help to support you and the other health care providers on your team When you need other services to meet your goals and needs , your team may call other providers like social workers or specialists to help with your care. ", "More about your VA care team \nYour team s goal is to plan for all the care you need to help you stay healthy and well throughout your life. Your team will : Build a partnership with you. You ll be an active member of the team , and you ll work with your team to plan and make decisions to meet your personal health goals. Your team will offer wellness care, education, and lifestyle coaching to help you stay healthy. Provide or arrange for preventive care, such as immunizations like flu shots to prevent illness and screenings to help find diseases like cancer in their earliest stages when treatment is most likely to be successful. Help you get care in the ways that work best for you. This may include personal visits with your primary care provider, group clinics, and 24/7 telephone care. You can also get online educational information and secure messaging with your health care team through the My HealtheVet portal. Visit My HealtheVet Coordinate your care. Team members will meet often to talk with you and each other about your progress and goals. And they ll coordinate any care you may need from specialists outside the team. No. You ll choose the main VA location where you d like to get care. We ll assign you a health care team including your primary care provider based on the location you choose. If you decide you want to change to a different primary care doctor , you ll need to talk to your health care team leader or to the patient advocate at your VA medical center. Find a medical center near you You can schedule VA health care appointments by phone or through our online scheduling tool. Find out how to schedule VA appointments by phone or online Your health care team will have a plan in place if your primary care provider is away or leaves VA. Your team will make sure you always have access to a qualified primary care provider and that you keep getting the ongoing care you need to continue with your health care plan. This depends on your situation. If you re enrolled in VA health care , find out how you may be able to receive care from a provider in your local community through community care."], "dmv": ["Your' registration' is the sticker placed on your windshield and the paper registration certificate that you must keep in your vehicle. You or your business must register and title at a DMV office any vehicle you own or lease. Registrations do not need to be in the owner's name, or for only one person. Auto dealers can register and title vehicles, and issue plates and charge a fee for this. See information about vehicle plates [1] or vehicle titles [2].  Vehicles already registered in New York \nRenew \nYou can renew your registration online and print a 10 day document to use until your new registration arrives in the mail. Please note: If your vehicle has been altered or stretched to increase the number of passengers or if there are other special circumstances , you cannot renew your registration online. See additional information and other ways to renew a registration [3]. Renew registration online [4 ]  Other transactions \nChange address [5 ] Change name or other information [6 ] Check registration status [7 ] Replace registration [8] and get a temporary document Surrender return plates and cancel registration [9 ] Tell DMV your new registration has not come in the mail [10 ] Transfer a registration to another vehicle you own [11 ]  Suspensions \nSee information on registration suspensions due to Parking tickets [12] 1 Toll violations [13 ] Insurance lapses [14 ]  Register a vehicle in New York \nYou must register any vehicle owned by you or your business at a DMV office. 2 See general information about registering a vehicle [15] and specific requirements for different vehicle types [16]. ", "What you need to register \nComplete DMV s Document Guide to make sure you have the correct proofs of identification and other documents before you come to the DMV. Find your proofs [17 ]  Special situations \nAgricultural and farm vehicles [18 ] Deceased owner [19 ] Homemade vehicles and trailers [20 ] Imported vehicles [21 ] More than one owner or registrant [22 ] No title for a newly purchased vehicle [23 ] Pick - up trucks as' passenger' class [24 ] Register a vehicle for someone else [25 ] Register a vehicle while you are out - of - state [26 ] Register an out - of - state vehicle [27 ]  More information \nAbandoned and unclaimed vehicles [28 ] Apply for Clean Pass [29 ] that cannot be registered in New York [30 ] Motorized devices Power of attorney [31 ] Transfer vehicle ownership to another person [32 ] Vehicle modifications and registration class [33 ] Salvage vehicles [34 ]  Resources \nBusinesses regulated by DMV [35] Inspection Stations, Dealers and Transporters, Repair Shops, etc. Determine if a car was flooded or stolen [36 ] If a family member has died [37 ] Military and Veteran's Resources [38 ] Moving to New York or out of New York [39 ] Tips for buying a vehicle [40 ] DMV does not handle parking violations or regulate parking. If you receive a parking ticket you must respond to the locality where they were issued. Do not contact DMV. If you fail to answer parking tickets , the locality can notify the DMV which can prevent the renewal of your vehicle registration, or suspend your vehicle registration. See a list of local Traffic Courts in New York State [41 ] This includes all of these types of vehicles if you plan to drive them on a public road Cars SUVS Vans Pick - up trucks Motorcycles Trailers Custom and homemade trailers Agricultural and farm vehicles Boats ATVs Mopeds Snowmobiles There are some motorized devices that cannot be registered in New York [30].", "When you surrender your vehicle plates to the DMV , you may be eligible to transfer the remaining registration credit to another vehicle you want to register, or get a refund for the registration fee. You get a refund or registration transfer credit for your vehicle plate fee title certificate fee you paid when you registered the vehicle any other fee or tax  Transfer credit \nIf you transfer your remaining registration to another vehicle , your new registration will expire the same day as your old registration. You can only use the transfer credit for a new original registration. You cannot use it for a registration renewal.  Refunds \nHere is an example to show how your refund amount is determined. You paid $137.50 to register your vehicle for two years. The amount you paid included $62.50 for the two years of the registration $31.25 per year, $50.00 for the title certificate and $25.00 for the vehicle plates. You surrender the vehicle plates during the first year of the registration , and you qualify for a refund of $30.25. This is a refund of the $31.25 fee for the second year of the registration with the $1 processing fee subtracted. There is no refund of other fees or taxes.  How can I get my refund (if I m eligible)? \nWhen you surrender your plates , your Receipt FS-6 T indicates if you are eligible to receive a refund. If you are eligible for a refund and you do not request a transfer receipt, we will process your refund automatically and you will receive it in the mail in several weeks. If you are not eligible for a refund or you request a transfer receipt , the DMV office issues a Receipt FS-6 T that you can use to transfer the registration to another vehicle. ", "How do I apply for a full 2-year refund if the registration was never used? \nYou can apply for a refund of the 2-year registration fee ONLY if the registration was never used and it is not more than 60 days from the date the registration was issued. For example , if you renewed the registration, but never used the new registration sticker , you can apply for a refund of the 2-year fee that you paid when you renewed the registration. A processing fee of $1 is subtracted from the refund amount. The registration sticker cannot be used. If the sticker was attached to the windshield or the vehicle plate , you cannot remove the sticker and apply for a full refund. To apply for a full 2-year refund , you must surrender the vehicle plates and the unused registration sticker and stub at a DMV office and request a 2-year refund. If eligible for the refund , the DMV office will issue a receipt that displays \" two year refund. \"  Is it possible to receive a refund of the first-year of my registration fee? \nIf you have already received a refund for the 2nd year of the registration fee and you have the UNUSED registration sticker and stub , you may be eligible to apply for the 1st year of the registration fee. You have a maximum of 60 days after the date the registration was issued to apply for the 1st year of the registration fee. To apply for a refund of the first - year registration fee, send the following items to the address on the Request for Refund MV-215 form a completed and signed Request for Refund [1] MV-215 the original registration document stub the unused registration sticker DMV will process a refund of the first - year fee if eligible. ", "Can I get a refund if I changed my name? \nYes. Follow these instructions surrender the vehicle plates at a DMV office and request a transfer receipt, not a refund receipt send these items to the address on the Request for Refund MV-215 form completed and signed Request for Refund [1] MV-215 that prove the name has changed a photocopy of the marriage certificate, the divorce documents or other court papers the transfer receipt The DMV will issue your refund in your new name, if eligible.  Is it possible to get a refund if the registrant died? \nYes. DMV will issue the refund to the name of the estate. Follow these instructions surrender the vehicle plates at a DMV office and request a transfer receipt, not a refund receipt have the executor of the deceased s will send these items to the address listed on the Request for Refund MV-215 completed and signed Request for Refund [1] MV-215, with \" deceased \" written on the form a photocopy of the death certificate the transfer receipt If the estate of the registrant is settled , call the DMV Revenue Accounting Unit at 518 - 474 - 0902 to request a' Next of Kin' form. Send the' Next of Kin' form, Request for Refund MV-215 and the transfer receipt to the address on form MV-215. The refund is issued in the name of the next of kin. You are only eligible for a full refund if the registration sticker is unused. If the sticker was attached to the windshield or the vehicle plate , you CANNOT remove the sticker and apply for a refund.", "Appeal a TVB ticket conviction[1] \nYou can appeal a Traffic Violations Bureau (TVB) conviction online or by mail \nyou must file your appeal within 30 days of the date of conviction you must pay a $10 non refundable appeal fee for each conviction appealed within 30 days of the date of conviction 1 Your submission of an appeal online or by mail does not mean that your appeal has been accepted. The DMV Appeals Board must determine that your appeal meets legal requirements.  Online \nYou can appeal online if \nyou have been convicted in a NYS Traffic Violations Bureau TVB for a traffic offense the conviction occurred within the last 30 days 3 The traffic ticket must display the words \" Traffic Violations Bureau \" at the bottom. If it does not , you cannot file an appeal with the Department of Motor Vehicles. At the end of the transaction you will get a 3-digit Appeal Access number. You can use this later to check the status of your appeal. You can appeal one transaction conviction online at a time.  You will need \nthe TVB traffic ticket number from your conviction see a sample ticket [2 ] and either your DMV ID Number Client ID Number from your NYS driver license, learner permit or non - driver photo ID card see a sample driver license [3 ] you full name , date of birth , and gender as they appear on the traffic ticket and the following your mailing address please note that any address you enter for the appeal will not automatically update your DMV driver license or vehicle records that explains the valid reasons for your appeal an Appeal Argument if an attorney will represent you in the appeal , the attorney's name and mailing address if you request a stay of a suspension or revocation that resulted from the conviction , a written' Stay Argument ' You must notify the DMV Appeals Board in writing immediately of any change of address that occurs after an appeal is filed. Appeal a TVB ticket conviction online [4 ] ", "Exhibits or arguments that can't be submitted online \nYou can mail DMV any exhibits or arguments that cannot be submitted online. Evidence, exhibits or documents not submitted to and considered by the hearing officer may not be filed with the appeal.  You cannot cancel an online appeal \nYou cannot cancel your transaction after you verify your information or submit your payment.  You cannot edit your online appeal \nYou cannot edit your original Appeal Argument or any Additional Appeal Arguments after you submit online.  You can submit an additional Appeal Argument \nIf you request a transcript to be reviewed for your online appeal , you may submit an additional Appeal Argument. The Additional Argument must be submitted within 30 days after the transcript you ordered has been sent to you from the Transcriber. To submit an Additional Argument after receiving your transcript, access the transaction again and enter either the ticket number your DMV ID Number Client ID Number from your NYS driver license, learner permit or non - driver photo ID card see sample driver license [3 ] or, your name date of birth 3-digit Appeal Access Number  By mail \nUse the Traffic Violations Bureau Appeal [5] AA-33 form. Mail your appeal and $10 appeal fee to DMV Appeals BoardP.O. Box 2935Albany , NY 12220 - 0935 To appeal a DMV determination other than a TVB conviction or penalty , use the Appeal From DMV Hearing Determination [6] AA-33A.  By phone \nSorry , you cannot appeal a TVB conviction by phone. ", "At a TVB office \nSorry , you cannot submit an appeal at a TVB office.  How to check the status of appeal filed online \nThe Appeals Board will acknowledge receipt of your appeal form and fee with a letter. You can also use the TVB Traffic Ticket Appeal service to check your appeal status. You will need to provide the ticket number your DMV ID Number Client ID Number from your NYS driver license, learner permit or non - driver photo ID card or, your name date of birth 3-digit Appeal Access Number Your appeal is not refundable. Whether your appeal is rejected , or the conviction or penalty is affirmed, reversed, remanded, or modified , the appeal fee cannot be refunded. The DMV Appeals Board will reject your appeal if your appeal form and fee are not filed in a timely manner your appeal does not meet the requirements of NYS law the matter is not legally allowed to be appealed you fail to meet DMV requirements for appeals For default convictions , you can appeal the denial of your application to reopen the default conviction only after the DMV TVB Default Unit has denied your Application to Reopen a Default Conviction [7] AA-3.3 occurred in a local court resulted from a parking ticket resulted from a criminal violation You must appeal these kinds of penalties and convictions with the local court or parking violations authority, not the Department of Motor Vehicles. The Stay Argument must explain the reasons why you need a stay. Filing an appeal does not change your obligation to pay the fine, surcharge, or other fees. The DMV will not grant a stay of a suspension for failure to pay a fine, surcharge or suspension termination fee. To submit exhibits or arguments that cannot be submitted through the online transaction. If you submit the additional exhibits and/or arguments at the time you file the appeal online , check the box in the transaction that indicates that you will mail additional exhibits and/or arguments for your appeal. If you order a transcript for your appeal , you must mail the additional arguments to the Appeals Board within 30 days after the transcript you ordered has been sent to you. If you do not want or need a transcript , you must mail the exhibits and/or arguments within 10 days of the day you submit your appeal. Evidence, exhibits or documents not submitted to and considered by the hearing officer may not be filed with the appeal. The Appeals Board uses the US Postal Service postmark, if legible, to determine if your documents are timely. Keep your proof of mailing and a copy of anything you send to the Appeals Board. Write the summons number of the appealed ticket on the front of the envelope and on all exhibits and/or arguments. Mail your documents to DMV Appeals BoardP.O. Box 2935Albany , NY 12220 - 0935 ", "Do it by mail: \nIf you do not wantto file an appeal online , use Traffic Violations Bureau Appeal AA-33. To appeal a DMV determination other than a TVB conviction or penalty, use form Appeal Form AA-33A. Mail your appeal and fee to DMV Appeals BoardP.O. Box 2935Albany , NY 12220 - 0935  Show \"do it online\" button in megamenu: \nTopic: \nTickets [8 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "Many DMV customers make easily avoidable mistakes that cause them significant problems, including encounters with law enforcement and impounded vehicles. Because we see customers make these mistakes over and over again , we are issuing this list of the top five DMV mistakes and how to avoid them.  1. Forgetting to Update Address \nBy statute , you must report a change of address to DMV within ten days of moving. That is the case for the address associated with your license, as well as all the addresses associated with each registered vehicle, which may differ. It is not sufficient to only: write your new address on the back of your old license; tell the United States Postal Service; or inform the police officer writing you a ticket. If you fail to keep your address current , you will miss a suspension order and may be charged with operating an unregistered vehicle and/or aggravated unlicensed operation, both misdemeanors. This really happens , but the good news is this is a problem that is easily avoidable. Learn more about how to change the address on your license and registrations [1 ]  2. Leaving the State Without Notifying DMV \nStates communicate with each other , so when you move to another state, be sure to tie up any loose ends regarding your New York State license or registration. That means resolving any unanswered tickets, suspensions or revocations, and surrendering your license plates to NYS when you get to your new home state. A license suspension or revocation here could mean that your new home state will not issue you a license there. Remember , it is important to notify DMV of your new address so that any possible mail correspondence can reach you. Also , turning in your plates is important to avoid an insurance lapse. ", "3. Letting Insurance Lapse \nBecause we all pay indirectly for crashes involving uninsured motorists , New York State requires every motorist to maintain auto insurance every single day a vehicle is registered. DMV works with insurance companies to electronically monitor your insurance coverage , and we know when coverage is dropped for any reason. When that happens , we mail you an insurance inquiry letter to allow you to clear up the problem. We send 500,000 inquiry letters a year. If the inquiry letter does not resolve the problem , we must suspend the vehicle registration and , if it persists, your driver license!We suspend 300,000 registrations a year for failure to maintain insurance. If you fail to maintain an updated address with us , you won t learn that you have an insurance problem , and we will suspend your registration and license. Make sure you turn in your vehicle s license plates at DMV before you cancel your insurance policy. Insurance policies must be from a company licensed in New York State. Learn more about Insurances Lapes [2] and How to Surrender your Plates [3 ]  4. Understanding how Much Traffic Points Cost \nDMV maintains a point system to track dangerous drivers. Often , motorists convicted of a traffic ticket feel they have resolved all their motoring issues with the local court, but later learn that the Driver Responsibility Assessment DRA is a separate DMV charge based on the total points they accumulate. The $300 DRA fee can be paid in $100 annual installments over three years. Motorists who fail to maintain an updated address with DMV may resolve their tickets with the court, but never receive their DRA assessment because we do not have their new address on record. Failure to pay the DRA will result in a suspended license. Learn more about About the NYS Driver Point System [4] and how to Pay Driver Responsibility Assessment [5 ] ", "5. Not Bringing Proper Documentation to DMV Office \nAbout ten percent of customers visiting a DMV office do not bring what they need to complete their transaction, and have to come back a second time to finish their business. This can be as simple as not bringing sufficient funds to pay for a license renewal or not having the proof of auto insurance required to register a car. Better yet , don t visit a DMV office at all, and see if your transaction can be performed online, like an address change, registration renewal, license renewal, replacing a lost title, paying a DRA or scheduling a road test. Our award - winning website is recognized as one of the best in the nation. It has all the answers you need to efficiently perform any DMV transaction. Consider signing up for our MyDMV service, which offers even more benefits. Sign up or log into MyDMV [6 ]", "Driving School Licenses are issued to businesses that qualify to operate a driving school. These licenses are renewed for two years. The license must be renewed before the expiration date shown on the license if the driving school wants to continue to operate the business. Driving School Licenses can be renewed up to six 6 months after they expire , but the Driving School business cannot operate unless the license is valid.  How to renew \nYour application for renewal of a Driving School License must be submitted between 30 and 60 days before the license expires the expiration date is printed on your license. As part of the renewal process , you must provide updated information about your driving school including : Driving School Renewal Application [1] form MV-522 Proof of Worker s Compensation form C-105.2 or U-26.3 and Disability Benefits Insurance Coverage form DB-120.1, OR a Certificate of Attestation of Exemption of Worker s Compensation and Disability Benefits Insurance Coverage form CE-200. Payment of the license fee. You must include a check or money order for the renewal fee as identified on the application, payable to Commissioner of Motor Vehicles. Starter Checks cannot be accepted. In addition : If your school uses vehicles for instruction , you must attach a List of Driving School Vehicles [2] MV-527. If your school provides the Pre - licensing Course , you must attach a Signature Authorization List - Pre - Licensing Course [3] MV-278.6. ", "Expired Driving School License \nYou must immediately stop operating your driving school business. Your school will not be licensed to operate. Any services you provide through your driving school license including Instructor Certificates, account to DMV s online road test appointment scheduling system, and authorization to order Pre - Licensing Course Completion Certificates will be terminated. Until your new license is issued , your instructors will not be able to teach for your school and your school will be unable to : provide lessons to customers teach the Pre - licensing Course if your school was approved to teach this schedule road tests or bring customers to a road test You can renew the license up to 6 months after the previous license expires BUT any operation of your business between when your driving school license expired and the new license is issued will constitute unlicensed operation of a driving school. This could result in your having to pay a civil penalty of $1,000 and/or denial of future driving school license applications.", "When you need to surrender plate(s) \nBefore you end the vehicle's liability insurance coverage. If you do not turn in your plate , we will suspend your registration and can suspend your driver license. If you want to register your vehicle in another state. You must surrender your New York State vehicle plates to the New York DMV.  How to surrender New York State plates \nNote: If you need to surrender plates from another state , you need to surrender them to that state's DMV not the New York State DMV.  By mail \nStep 1 : Remove plates and stickers This includes the plate frames and fasteners - we will not accept plates with them attached. Destroy the registration and inspection stickers from your windshield. Do not give your plates to another person unless that person will surrender the plates for you. Step 2 : Complete the PD-7 application You must complete the Plate Surrender Application PDF [1] PD-7 for each set of plates you are surrendering. Step 3 : Mail the application with your plates to NYS DMV6 Empire State PlazaRoom B240Albany, NY 12228 We use the mail postmark date as the date that you surrendered your plates. To be notified by the US Postal Service that we received your plates, send them by registered or certified mail, and request a return receipt. We will mail you your FS-6 T receipt.  At a DMV Office \nStep 1 : Remove plates and stickers This includes the plate frames and fasteners - we will not accept plates with them attached. Destroy the registration and inspection stickers from your windshield. Do not give your plates to another person unless that person will surrender the plates for you. Step 2 : Complete the PD-7 application You must complete the Plate Surrender Application PDF [1] PD-7 for each set of plates you are surrendering. Step 3 : Bring the plates and PD-7 to an DMV Find a DMV office [2] near you. County motor vehicle offices will charge you a $1 fee to process the surrender. If another person surrenders your plates for you , make sure that the person gives you the FS-6 T receipt for your records. ", "Refunds \nWill I receive a refund when I surrender my plates? \nIt depends. See registrations refunds for surrendered plates [3] for more information.  Temporary surrender \nCan I surrender my plates temporarily? \nYes. See special procedures to surrender plates for a season [4] temporary surrender of plates.  Motorcycle and trailer plates \nDo I need to surrender motorcycle plates? \nIt s not necessary to surrender motorcycle plates , but your motorcycle must be insured if you ride it.  Do I need to surrender trailer plates? \nEven though some trailers are not required to have liability insurance , you must surrender the plate if the trailer does not have a valid registration.  Lost, stolen or destroyed plates \nDo I need to surrender the registration if the plates are lost, destroyed or stolen? \nYes. You need to report plates that are lost, stolen or destroyed [5] and surrender the registration. In these cases the DMV can issue you a new registration and plates. Motorcycles : You do not need to surrender motorcycle plates if there is a lapse in the liability insurance coverage. A motorcycle must have liability insurance to be operated. Trailers : Normally a trailer does not need liability insurance. The DMV will not suspend your driver license or registration if you fail to surrender the plate. The DMV recommends that you surrender any type of vehicle plate when the plate is not used to make sure that the plate is destroyed.", "The Drinking Driver Program DDP is now called the Impaired Driver Program IDP. As this new name is being implemented , you may see the two names interchangeably.  What happens if I am convicted of an alcohol or drug-related violation in New York State? \nIf you are convicted of an alcohol or drug - related driving violation , your license or privilege to drive in New York State will be revoked or suspended [1]. 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. Your 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. Your 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. If you receive a continuation , your suspension or revocation will begin 20 days after sentencing It is a criminal offense to drive a motor vehicle while your license is suspended or revoked. If you are convicted of driving under suspension or revocation , you may be fined and you may be sentenced to jail and/or probation. In addition , the police may impound the vehicle you were driving when arrested. If you are placed on probation because of this conviction , you also must bring written permission from the sentencing court, or your probation officer, that allows you to apply for a license. ", "Driver Responsibility Assessments \nIf you are convicted of Driving While Intoxicated DWI, Driving While Ability Impaired DWAI or Driving While Ability Impaired by Drugs, or if you are found to have refused to submit to a chemical test , 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 [2]. Participation in the Impaired Driver Program IDP will not prevent, reduce, or delay fines, fees, or penalties imposed under the driver responsibility assessment program.", "Log On to DIAL - IN [1 ]  What is a DIAL-IN search account and who can get one? \nIf you regularly need to search DMV records for driver license, registration, vehicle title or insurance information , then DIAL - IN is the service you need. Our typical clients include attorneys, insurance and private investigators, process servers and building / site security personnel. See Drivers Privacy Protection Act DPPA [2] for more information about permissible uses of DMV records.  How do I apply for an account? \nYou should complete form Motor Vehicle Record Search Account Application PDF [3] MV-15D. The instructions are on the form. Send the form to : Data Services - New Search AccountNYS Department of Motor Vehicles6 Empire State PlazaAlbany, NY 12228  How will I know my application has been accepted? \nWe will review your application. If you application is not complete , we will return your application with an explanation that will give you more instructions. If your application is complete , we will create an account for you. We will send you your account number and password. Your seven - digit account number will never change. You will enter this account number when you log in to the DIAL - IN system.  Are there fees for using a DIAL-IN search account? \nAccording to the NYS Vehicle and Traffic Law , we must charge a fee to search DMV records. Private persons, commercial organizations, and not - for - profit organizations must pay a search fee. There is a fee of $7.00 for each search that you make with the DIAL - IN service. There are some organizations that are exempt from search fees. Any public organization, its officers, a volunteer fire company, a volunteer ambulance service, or a legal aid bureau or society or other private entity acting pursuant to section 722 of the New York State County Law, that makes a search for a public purpose, is exempt from the search fee. ", "How do I pay DIAL-IN Search Account fees? \nPaying customers must include a deposit with the application. Your first deposit must be enough to pay for two months of searches. When we accept your application , your deposit is added to your new account balance. When you make a search , we subtract the search fee from your account balance. Payment by credit card is NOT available at this time. You can use your account to pay for the mail - order searches and the online searches. If you must pay a fee for the service , your account records will reflect your debits and your credits and show your account balance. For more information , please visit our Escrow Accounts [4] page.  What business records must I keep to document the searches I perform? \nThe business records you keep must exist prior to the search you perform and must establish the business purpose of the search. Common examples of business records include invoices, retainer agreements, employment applications, consent forms, accident reports, and surveillance reports and numerous other types of records. The Terms of Service of your Search Account require you to maintain these records and to provide them to DMV when requested.  Will DMV contact me about the searches I perform using my DIAL-IN Search Account? \nYes , DMV may ask you about a DIAL - IN search you performed. We inquire about searches to monitor compliance with the DIAL - IN Terms of Service . You must respond to the inquiry whether or not you have business records that support your search. Your response will be considered an incomplete reply if you do not give us the business records. You can complete an inquiry at any time if you send us the requested acceptable business records. If you performed the search on behalf of a client , you will need to show permissible use of your client, and your client agent relationship. If you personally did not perform the search we have inquired about , please check with the other users of your DIAL - IN account to see if one of them performed the search. If none of the known users performed the search , contact us immediately. If you do not respond to our inquiry about a DIAL - IN search, your search privileges will be suspended until you respond. ", "Will you tell a motorist if I searched his records? \nYes. Records of searches are public records. If a motorist asks the DMV if his records were searched , the DMV supplies him with the name and business address of the DIAL - IN account holder , and the time, date and search criteria used to search for the records. We do not disclose the DIAL - IN account numbers of the account holder that performed the search.  How do I contact DMV about my Dial-in Search Account? \nYou can contact us at: NYSDMV DIAL - IN AccountsRoom 2316 Empire State PlazaAlbany, NY 12228 473 - 2137e - mail: [email protected] [5 ]  Note on browser compatibility \nWe are upgrading our security protocols to better protect your data. To verify your browser is compatible to continue using any of the state's government websites , please visit https://encryption.ny.gov/ [6]. If your browser is not currently compatible , please update it to the newest version.", "What do I need to do before I take my road test? \nOnce you have a learner permit , you must obey the learner permit restrictions [1] on where and when you may drive [1 ] complete a 5-hour Pre - licensing Course or a high school or college Driver Education Course get an appropriate amount of supervised driving practice 1 if you are under age 18 , you must wait at least six months from the date you received your learner permit to schedule your road test [1 ]  What is the Pre-licensing Course and how do I find one? \nIt is a DMV - approved, standardized classroom course that provides knowledge you will need as a new driver. The course covers many important topics, including driving within the highway transportation system driver habits and skills feelings , attitudes and risk taking alcohol , other drugs and driving You can find the course curriculum and other information in the Pre - Licensing Course Instructor s Manual MV-277 [2]. The Pre - licensing Course is available through high schools, colleges, and many driving schools. To find providers in your area , look online or in your telephone directory for Driving Instruction. When you successfully complete the course , you will be given a Pre - licensing Course Certificate MV-278. If you complete a high school or college driver education course, you will receive a Student Certificate of Completion MV-285 , and you do not need a Pre - licensing Course Certificate. You must have one of these certificates to schedule your road test. You must bring the original certificate to your road test to turn in to the license examiner. ", "For how long will my Pre-licensing Course Certificate be valid? \nYour Pre - licensing Course Certificate is valid for one year from the date it is issued. A Student Certificate of Completion is valid for two years. If your Pre - licensing Course Certificate expires , you must complete the course again to receive the certificate required to schedule a road test. Your certificate must be valid on the date that you make your Road Test appointment, but can be expired on the date you take your road test.  Do I need a Pre-Licensing Course Certificate to change my license from one class to another? \nNo , you do not need a Pre - licensing Course Certificate or a Student Certificate of Completion if you have a valid NY State driver license and you apply to amend to another license Class.  How much supervised practice driving must I get before I take my road test? \nIf you are under age 18 , before you take your road test you must have a minimum of 50 hours of supervised practice driving with at least 15 hours at night after sunset at least 10 hours in moderate to heavy traffic bring to the road test a Certification of Supervised Driving MV-262 [3] completed by your parent or guardian to certify that you have had the required hours of supervised practice driving you must give the MV-262 to the license examiner each time you take a road test We recommend that all drivers of all ages have this amount and type of practice. We also recommend that you take a driver education course or professional driving lessons. There are additional requirements for motorcycle permits. See Get a motorcycle license [4]. ", "What should I practice for my road test? \nSteering: Steer smoothly whether you are driving straight ahead, turning or backing up. Acceleration : Accelerate smoothly and moderately. Don't race the engine or cause it to stall. Braking : Bring the vehicle to a stop gently. Start braking well before your stopping position to avoid abrupt stops. Make sure you stop your vehicle in the proper position of the lane. Clutch / Gears : Always be sure your vehicle is in the correct gear. With either an automatic or a manual transmission , shift into the proper gear at the right time without \" grinding \" the gears. Speed: Obey the posted speed limit, of course, but also adjust your speed properly due to weather, road, visibility and traffic conditions. Following distance : Keep an adequate space \" cushion \" between your vehicle and those you are following. Use the \" two second rule \" described in the Driver's Manual. Be sure to increase your following distance in poor weather or visibility. Traffic signs, signals and markings : Know the meanings of signs, signals and pavement markings, and obey them consistently. Stopping position : If a stop is required , stop your vehicle before it reaches an intersecting street. If stop lines or crosswalks are present , stop before crossing them. If your view is blocked after stopping behind the crosswalk , move up until you can clearly see your way , then stop again if necessary. Lane selection and position : Keep your vehicle in the proper traffic lane, especially when preparing to make turns. Don't allow room for another vehicle to pass you on the side that you are turning toward. Communication : Let other drivers and pedestrians know which way you want to go. Use your directional signals or horn consistently and at the proper times. Observation : Look for and identify potential problems or hazards in the traffic around you - not just straight ahead, but behind you and on either side. Check your mirrors frequently , but be sure to look over your shoulder behind you when changing lanes or backing up. Anticipate and react : Anticipate possible driving errors by others and be ready to react safely to make up for their mistakes. If you have a Class DJ or MJ learner permit , you must have a minimum of 50 hours of supervised practice driving that includes at least 15 hours of driving after sunset before you take a road test. You must bring to the road test a completed Certification of Supervised Driving [3] MV-262 signed by your parent or guardian. If you lose your certificate , contact the school that issued it to obtain a replacement.", "Determine the fees for commercial vehicles \nUse both theregistration fee and county use tax charts to determine your registration fee and county use tax. If this is the original registration of your vehicle , you must pay the fees for your vehicle plates $25.00 your title certificate fee of $50.00 the sales tax 1  Registration fee chart for commercial vehicles \nThe fees listed in the chart are for commercial vehicles that weigh less than 18,000 lbs. Diesel - powered commercial vehicles that weigh 8,501 pounds or more require an additional fee. 2 If you transfer vehicle plates for one vehicle to another , you cannot use this chart to calculate your fee.  County use taxes and supplemental fees \nResidents of New York City and several counties in New York must pay a vehicle use tax when they register a commercial vehicle or renew a commercial vehicle registration. The DMV collects the taxes for the city and the counties. Read the table below to determine if you must pay a vehicle use tax. If you have questions about these taxes , ask the city or county where you reside or have a business. If you reside outside New York City and you are exempt from the vehicle use tax in the county where you reside or have a business , complete form UT-11C. If you reside in New York City and you are exempt from the NYC vehicle use tax , get form UT-11 from a local DMV office [1] or a DMV Call Center [2]. ", "New York City Bronx, Kings (Brooklyn), New York (Manhattan), Queens, Richmond (Staten Island) \nAll passenger vehicle original registrations and renewals Vehicle use tax - $80 for 2 years $40 / year Livery and for - hire vehicles in these registration classes - $400 for 1 year 3 Livery OML Bus (OMR) Taxi OMT Supplemental MCTD fee - $50 for two years $25 per year Note : The New York City Taxi and Limousine Commission regulates all \" TC \" vehicle plates. All registrants for \" TC \" vehicle plates must pay the vehicle use tax.  County use tax chart for counties outside of New York City \nThe chart show the use taxes and supplemental fees for all original registrations and renewals. The amount of the sales tax depends on the purchase price and your locality. You can see the current sales tax rates by jurisdiction [3] at the Department of Taxation and Finance website. To determine the correct fee , add 3.25% to the fee listed in the chart , and change the result to the nearest $0.25. Several registration classes are exempt from the additional fee. The classes include Agricultural AGR, Ambulance AMB, Farm FAR, Historical HIS, House Trailer HOU, Semi Trailer SEM, Special Purpose Commercial SPC, and Trailer TRL. This tax applies to Medallion taxis with a plate number configuration of \" TnnnnnC \" or \" TnnnnnnC \". This tax does not include Medallion taxis with plate number configurations: \" TnnnnnT \", \" TnnnnnnT \", \" nana \", \" nanna \", \" nnnSBVa \" and \" nnnSBVan \". n = number, a = letter.", "Renew non-driver ID card[1] \nYou can renew 1 year before and up to 2 years after your non - driver ID expires. If it is expired for 2 years or more, you can t renew - there are no exceptions. If you are 62 or older or you receive Supplemental Security Income SSI , you are eligible for a reduced fee or' No Fee' ID. See the section Reduced fee or' No Fee' non driver IDs on this page for more information.  If you plan on traveling \nWe recommend you renew in a DMV now to get an Enhanced or REAL ID, and avoid a second office visit later. 2 Learn about Enhanced, REAL ID and Standard documents [2].  Renew at an office and get an Enhanced or REAL ID \nYou don't have to get an Enhanced or REAL ID. 3 However , if you have a Standard , you will not be allowed to board a domestic flight starting in October 2020 unless you have a Passport. Complete this guide to make sure you have the proofs of identification you need before you come to DMV. Find your proofs [3 ]  Renew online \nWARNING: If you renew your Standard online , your new ID will show :' NOT FOR FEDERAL PURPOSES'. Don't delay! Get your Enhanced or REAL ID today. If you already have an Enhanced or REAL ID, or you want to keep your Standard , you can renew online. Your document type will stay the same. Renew non - driver ID online [4 ] ", "Renew by mail \nWARNING: If you renew your Standard by mail , your new ID will show :' NOT FOR FEDERAL PURPOSES'. Don't delay! Get your Enhanced or REAL ID today. If you already have an Enhanced or REAL ID, or you want to keep your Standard , you can renew by mail. Your document type will stay the same. You cannot renew by mail if you have a REAL ID or Enhanced non - driver ID with a photo that is over 16 years old. You must come into an office to take a new picture. Complete the notice we sent you and return it in the envelope provided. Be sure to include payment in the form of a check or money order payable to \" Commissioner of Motor Vehicles \". If you did not receive a renewal notice , you can use an Application for Permit, Driver License or Non - Driver ID Card pdf [5] MV-44. Mail with payment to NYS Department of Motor Vehicles207 Genesee Street, Suite 6Utica, NY 13501 - 2874  Fee \nLearn more about Standard, REAL ID and Enhanced documents [2].  Reduced fee or 'No Fee' non-driver IDs \nIf you receive Supplemental Security Income SSI and are under age 62 , your fee is $6.50 are age 62 or older , you can get a' No Fee' renewal If you have an Enhanced non - driver ID , the additional $30.00 still applies. To get a reduced fee or' No Fee' renewal , you must renew by mail or at a DMV office and provide proof of your eligibility. If you come to an office , you must bring an original copy of proof. If you apply by mail , send us a photocopy of your proof of SSI. You can't get a reduced or no fee renewal if you renew online. We accept these documents as proof of SSI that you are eligible for SSI benefits Notice of Award notifying you Cost of Living Adjustment COLA letter Notice of change in payment SSA - L8151 Third Party Query TPQY letter Report of Confidential Social Security Information SSA-2258 Benefit Verification letter you must call the Social Security Administration in advance to obtain this letter : 1 - 800 - 772 - 1213 If you are age 62 or older and receive Supplemental Security Income SSI , your fee is $6.50 ", "You will get your new ID card in 2 weeks \nAllow 2 weeks to receive it in the mail. You can check the mailing status [6] of your photo document online. If your document is not delivered two weeks after the date the document was processed , you can contact us [7].  Additional information \nIf you are turning 21 soon \nWait until you are within 40 days of your 21st birthday to renew. If you renew 41 days or more before your 21st birthday , your ID will have UNDER 21 on it. If your renewal is processed than 40 days before your birthday , we will mail you a non - driver ID card the words UNDER 21 on or near the date of your birthday.  Temporary Visitor \nAs long as the Temporary Visitor status that DMV has on file is not expired you can renew your non - driver ID card online, through the mail or in an office. If your Temporary Visitor status has been extended , you must go to a DMV office with your updated paperwork from the United States Department of Homeland Security DHS. We will update our records to show that your Temporary Visitor status has been extended so you can renew your non - driver ID card. Your new non - driver ID card will have your new temporary visitor expiration date.  Overseas (out of the country, abroad) \nWhen overseas , you must renew your non - drivers ID card through the mail. Please submit the renewal notice we mailed you , or if you don't have it , an Application for Permit, Driver License or Non - Driver ID Card pdf [5] MV-44 the appropriate fee We recommend that you send us a pre - addressed priority mail return envelope with your application. This will help ensure that we send your ID to the correct address. Renewal anytime within this period will not affect the expiration date of your new non - driver ID card or the fees. If your non - driver ID is expired for 2 years or more , you must apply for an original non - driver ID card. See Get a non - driver ID card NDID [8]. Starting in October 2020 , you will need an Enhanced or REAL ID to board a domestic flight unless you have a passport. If your non - driver ID was issued before October 30 , 2017 and is not Enhanced , you have a Standard document. Newly issued Standard documents show :' NOT FOR FEDERAL PURPOSES'. If you want to renew in an office and keep your Standard document type , follow these steps : Step 1 : Complete the renewal notice MV-2 we mailed you. if you did not receive a renewal notice , you can use an Application for Permit, Driver License or Non - Driver ID Card pdf [5] MV-44 Step 2 : Come to an office. Bring your current Standard non - driver ID your renewal notice or application payment Newly issued Standard documents state : ' NOT FOR FEDERAL PURPOSES'. If you renew online , you will need to pay the regular fees for a non - driver ID card renewal. ", "Show \"do it online\" button in megamenu: \nTopic: \nID Card [9 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "Do I need insurance? \nYes. To register a vehicle in New York State you must have New York State issued automobile liability insurance coverage. If you do not maintain the coverage , the DMV can suspend your vehicle registration and your driver license.  What kind of insurance do I need? \nNew York law requires that you have auto liability insurance coverage. The minimum amount of liability coverage is $ 10,000 for property damage for a single accident $ 25,000 for bodily injury and $50,000 for death for a person involved in an accident $ 50,000 for bodily injury and $100,000 for death for two or more people in an accident Your liability insurance coverage must while the registration is valid, even if you don t use the vehicle there are exceptions for motorcycles 1 remain in effect be New York State insurance coverage , issued by a company licensed by the NY State Department of Financial Services and certified by NY State DMV - out - of - state insurance is never acceptable be issued in the name of the vehicle registrant, and remain in the name of the registrant at all times 2 The New York State Department of Financial Services website has more information about liability insurance and insurance companies licensed in New York: http://www.dfs.ny.gov [1].  More than 2 names on a vehicle registration \nThere can only be 1 or 2 names on a registration registrants. Both the primary registrant first name listed on the registration and the co - registrant must sign the Vehicle Registration / Title Application PDF [2] MV-82 and provide their proofs of identity and date of birth. Both names must appear on the Insurance ID Card. ", "Do I need insurance to register my vehicle? \nYes. The DMV requires auto liability insurance to register a vehicle in New York. When you get insurance , your insurance company will issue proof of insurance in two ways. It will give you two original NY State Insurance ID Cards see a sample [3] or provide you with access to your digital electronic NY State Insurance ID Card 3 send an electronic notice of insurance coverage to the DMV your insurance agent or broker cannot file this notice Your NY State Insurance Identification Cards and the electronic notice of insurance together verify your insurance coverage. We need both. You must register your vehicle at the DMV within 180 days of the effective date on your insurance ID card. Bring one copy or form of your Insurance Identification Cards with you. The DMV office will keep the paper card. Keep the other paper card with the vehicle as your proof of insurance. Anyone operating your vehicle must be able to provide proof of insurance while they are operating the vehicle.  Does the name on my vehicle registration application and Insurance Identification Card need to be the same? \nYes. Your insurance cards must have the same name as the name on your vehicle registration application.  Will the DMV accept copies or faxes of my Insurance Identification Card? \nYes. However , the DMV will not accept a card if the DMV barcode reader cannot read scan the barcode. ", "Out-of-state insurance documents \nWe will never accept out - of - state vehicle insurance coverage of any type. If your vehicle is registered in New York , it must have New York State auto liability insurance coverage. Your motorcycle must have insurance coverage any time it is operated on a public road or highway. Unlike most other motor vehicles, motorcycles are registered for one year rather than two , and all motorcycle registrations expire on April 30. Also , you can terminate your motorcycle liability insurance without surrendering the plate at a DMV office. This makes it easier to put the motorcycle back on the road after winter storage. However , under no circumstances may your motorcycle operate on public highways without liability coverage in effect. A change on the insurance policy to a name different from the name on your registration may cause a lapse in insurance coverage , and DMV may suspend your driver license and your vehicle registration. Your vehicle's insurance and registration must always be in exactly the same name. You should always carry the paper or access to your digital electronic NY State Insurance ID Card in your vehicle. All Owned Vehicles AOV All Owned & Non - Owned Comprehensive Auto Liability Policy AON Dealer Garage Auto Liability Policy DGP Auto Liability Policy ALP Self Insured Vehicles", "Replace a title certificate[1] \nWhen you apply for a replacement title at a DMV office , we will NOT hand you a new title while you are there. We print all title certificates in a secure facility in Albany and mail them to the vehicle owner.  Express mail \nWe can send you your replacement title by express mail. This will cost extra , and you will need to sign for the delivery. Express mail is not available between Friday at 8:30 pm and Sunday at 8:30 pm. Sending us an application by express mail will not decrease the time it takes to review your application or issue the replacement title.  Online \nTo order online \nyou must be the owner of the vehicle or boat you must have a current U.S. address on file with the DMV 1 the vehicle must be registered and titled in New York State there can be no other changes to the information listed on the title certificate  You cannot order online if \na title certificate was processed within the last 15 days the title certificate is a duplicate title certificate requesting removal of a lien an original or amended title certificate in the name of a deceased owner ordered using a Power of Attorney Examples: a title ordered before 8 p.m. on Tuesday is printed on Wednesday and mailed on Thursday a title ordered after 8 p.m. on Tuesday is printed on Thursday and mailed on Friday A' business day' is a weekday that is not a state holiday. If you order your title certificate during or before a weekend and/or a state holiday , the title certificate cannot be processed until the next business day after the weekend and/or state holiday. An online transaction can only be cancelled on the same day it was ordered. ", "We mail to the address on the title record \nWe mail your new title to the current address on your title record. If the registration for your vehicle is in your name , you can first change your address online [2] and then replace your title. If you have allowed someone else to register your vehicle , you cannot change the address on your title record online. Please contact the Title Services Bureau at 1 - 518 - 486 - 4714 to update the address on your title. Note: If you file a request with the US Postal Service USPS to forward mail , there is no guarantee that the USPS will forward your DMV documents to the new address. Please make certain your contact information with the DMV is up to date. Replace a title certificate online [3 ]  By mail \nSend these items to the DMV \na completed Application for Duplicate Title PDF [4] MV-902 proof of identity - this can be a photocopy of your NY State Driver License, Learner Permit, or Non - Driver ID see Proofs of Identify for Registration and Title PDF [5] ID-82 for other acceptable proof a personal check or money order for $20.00 payable to Commissioner of Motor Vehicles  Mail to \nReceive by standard mail \nTitle BureauNYS DMVPO Box 2750Albany , NY 12220 - 0750  Receive by express mail \nDuplicate Title CertificatesNYS DMV6 Empire State PlazaAlbany, NY 12228 Use the Title Service Bureau phone number , 1 - 518 - 486 - 4714, on your express mail bill. Sending an application express mail will not decrease the time it takes to review the application or issue the replacement title. ", "At an office \nBring these items to a DMV office \na completed Application for Duplicate Titl PDF [4] MV-902 proof of identity 2 $ 20.00 for the replacement fee  You will not get your new title at the DMV \nWhen you apply for a replacement title at a DMV office , you will NOT be issued the replacement title while there. All title certificates are printed in a secure facility in Albany and are mailed to the owner. For this reason , the fastest and easiest way to apply for a replacement title is to do it online.  Apply for a title certificate only \nUse the Application for Title Only PDF [6] MV-82TON. Follow the instructions carefully. Do not use to apply for both a vehicle registration and a title certificate at the same time replace a lost title certificate Your duplicate title certificate will be sent to the address on file at the DMV. If you moved , learn how to change your address [2]. A New York State Driver License, Learner Permit, or Non - Driver ID card that is current or not expired for more than 2 years can serve as proof of both identity and age. If you don t have a New York State Driver License, Learner Permit, or Non - Driver ID , you can provide other kinds of proof [7].  Show \"do it online\" button in megamenu: \nTopic: \nRegistration [8 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "If you are looking to file a complaint against a repair or body shop , please report a problem with a DMV regulated automotive business. [1]  Complaint filed against you or your business \nThe New York State Department of Motor Vehicles DMV regulates all repair shops, inspection stations, dealers, vehicle dismantlers and other related businesses in New York State. To legally operate as such a business , you must register with the DMV. Once your application is approved you will receive a certificate from DMV. You will also receive a copy of the Commissioner's Regulations that pertain to your type of business. They will explain your responsibilities to consumers. You must follow all consumer protection laws and regulations. DMV advises all consumers who have a complaint against a dealer, inspection station, repair shop, or dismantler to make an attempt to resolve their complaint with the business manager. If they are not successful , they are advised to contact the DMV Consumer & Facilities Services Complaint Unit. protect your business: keep a copy of all work orders in an easy - to - access location  Complaint process \nIf a complaint has been filed against you , a Consumer Services Representative 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. If the complaint is not resolved with the CSR , the case will be sent to an Automotive Facilities Inspector AFI for a formal investigation. avoid costly penalties, fines, and the loss of valuable customers by responding to all DMV inquiries in a timely manner ", "Investigation process \nThe AFI will conduct a formal investigation. The result may be no action, a warning letter Notice of Investigation placed in your file, or a formal administrative hearing before an Administrative Law Judge ALJ. When Vehicle Safety initiates the hearing process , you may be offered the opportunity through a \" hearing waiver \" to admit to the charges and to either pay a specified monetary penalty and/or to accept a suspension. If the waiver is accepted , no hearing is required. If the offer is rejected , a hearing must be held. The result of the hearing may be no action, a civil penalty, and/or a suspension or revocation of your ability to operate as a vehicle related business in New York State. You may also be offered the opportunity to pay restitution to the consumer instead of the fines and/or penalties, or to have the penalty reduced.  Hearing process \nYou 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. As a result of the hearing , 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 , in order to prevent the loss of your operating privilege , you must pay all fines and penalties. You will receive a letter from DMV shortly after the hearing. You will have 30 days from the date of the order by the judge to pay your fine or penalty. Failure to pay any fines or penalties or to serve out your suspension will result in indefinite suspension of your business certificate and the possible assessment of a lien against your business. However , if you pay your fine and/or penalty or serve out your period of suspension , you will be back in business after complete compliance. If you are revoked , you must surrender all supplies and cease to operate. You have the right to appeal any adverse decision. If you chose to appeal , you have 60 days from the date of the ALJs decision to file the Appeal From DMV Hearing Determination PDF [2] AA-33A, which must be accompanied by the appropriate filing fee. Your facility license, registration or certification enables you to operate in New York State. Complaints filed and charges brought against you can result in the loss of your privilege to operate as a business here.", "Register a moped[1] \nWhat is considered a limited use motorcycle (aka moped )? \nNew York law defines limited use motorcycles, which are commonly called \" mopeds \" or \" motor scooters \", as \" limited use vehicles with two or three wheels. \"  Are there any special requirements to operate a limited use motorcycle (moped) in New York? \nThe requirements to operate a moped are like those for motorcycles. You must have a driver license and register your moped to drive it on streets and highways. There are exceptions to these requirements listed in the table below. You can never operate a moped down a sidewalk. The DMV classifies a moped as a Class A, Class B or Class C limited use motorcycle according to its top speed. Only a certified model of limited use motorcycle can get a registration in New York State only the manufacturer can certify a moped.  What do I need to bring to the DMV? \nBefore visiting a DMV office [2] to register your moped , please complete the Document Guide to make sure you bring the correct documents with you. Find your proofs [3 ]  Summary of what you need \na completed Registration / Title Application PDF [4] MV-82 proof of ownership [5 ] proof of identity and age 1 proof of insurance , if required 2 cash , check , money order or credit / debit card for fees and sales tax [6] or proof of sales tax payment or exemption For quicker service , make a reservation online before visiting offices in New York City, Westchester, Nassau, Suffolk, Rockland, Onondaga, Monroe or Albany Counties. For all other counties , see our office locations and hours [2]. Make a Reservation [7 ] The class is determined by the range of the vehicle's top speed. You must be at least 16 years old to register a vehicle in New York except a boat or ATV. A NY State Driver License, Learner Permit, or Non - Driver ID card that is current or not expired for more than 2 years can serve as proof of both identity and age. If you don t have one of these documents , you must provide other kinds of proof [8]. Refer to the Limited - use motorcycle requirements chart on this page to determine if you need insurance. Your insurance company will issue proof of insurance by giving you two original barcoded NY State Insurance Identification Cards see sample, You must register your vehicle at the DMV within 180 days of the effective date on your insurance ID card. Bring one copy of your Insurance Identification Cards with you. The DMV office will keep it. Keep the other card with the vehicle as your proof of insurance. Learn more about NY State Insurance Requirements [9]. Learner permit restrictions apply to all permit classes. Junior operator restrictions apply to class DJ and MJ permits and driver licenses. See information about the Graduated License Law [10]. Learner permit restrictions apply to all permit classes. Junior operator restrictions apply to class DJ and MJ permits and driver licenses. See information about the Graduated License Law [10]. Learner permit restrictions apply to all permit classes. Junior operator restrictions apply to class DJ and MJ permits and driver licenses. See information about the Graduated License Law [10]. Except when making a left turn. Except when making a left turn. A Class C moped used as a rental vehicle must be insured. ", "Show \"do it online\" button in megamenu: \nTopic: \nRegistration [11 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "Completing a Point and Insurance Reduction Program PIRP course does not remove a violation, conviction, or the number of points from your driving record. Even after you complete the course , most violations, convictions and points will continue to show on your driving record for up to 4 years. Violations and convictions involving drugs or alcohol will remain on your driving record for ten or fifteen years, depending on the violation. If you get 11 points for traffic violations in an 18-month period , your driver license may be suspended. \" Point reduction \" means the number of points on your driving record used to calculate the number of total points received within 18 months will be reduced by 4 points and may help you avoid a suspension. See About the NY State Point System [1] for more information about how points are calculated.  How do I receive the point reduction? \nThe PIRP course sponsor will notify the DMV within 10 weeks after you complete the course. DMV will then reduce the active points on your driving record by up to 4 points.  How do I know my driving record shows my PIRP course completion? \nIf you need to verify that your course completion is on your DMV record , you can request a copy of your driving record [2]. If your course completion is not recorded on your driving record more than 10 weeks after you completed it , contact the course sponsor. ", "What effect does point reduction have on my license and driving record? \nPoint reduction applies only to points assessed for violations that occurred within the eighteen months immediately before course completion. It does not affect points for earlier violations, and cannot be used as \" credit \" against future violations or points. Point reduction cannot reduce your point total lower than zero. If your license has already been revoked or suspended , the point reduction will not affect that action. If a violation hearing has already been scheduled , the point reduction will not affect that action. Point reduction does not prevent or cancel a mandatory revocation or suspension for violations such as DWI, DWAI, or three speeding violations within 18 months. You can only use a Point & Insurance Reduction Program course to reduce points once in a 18-month period. The DMV point system and your insurance company s \" point \" systems are separate and not related. Point reduction on your driving record does not affect points assigned by your insurance company for violations and accidents. Completion of a course under the Point & Insurance Reduction Program also cannot prevent or reduce the calculation of points affecting a Driver Responsibility Assessment. [3]  Learn how to reduce your insurance rate.[4]", "Schedule and take a road test[1] \nUse the DMV Road test system to schedule confirm, cancel or reschedule a driving skills road test including CDL and motorcycle online or by phone.  If you are under 18 \nIf you are under age 18 , you must wait at least 6 months from the date you received your learner permit to schedule your road test.  Fee \nThe fee for up to two road tests for a non - commercial license is in your $10.00 driver license application fee. If you do not pass your first two tests , you must pay another $10.00 fee for up to two more tests. There is no refund if you do not take both tests. For a road test for a commercial driver license CDL the fee for a single test is $40.00. See Get a CDL [2].  You need \na valid New York State learner permit see a sample learner permit [3 ] an original, unexpired Pre - Licensing Course Certificate MV-278 or a Student Certificate of Completion MV-285 1 at least one unused test available 2 the ZIP Code for the test site - find test locations, directions and ZIP Codes [4 ]  Finding a test location and date \nYou do not need to take your test in the area of the state where you live. The system offers the earliest available dates and times at sites near the ZIP Code you provide. Tests are almost always on weekdays only rarely do we offer them on a Saturday ", "Schedule, confirm, cancel or reschedule now \nTo reschedule your test , you must cancel your appointment before you can search for a new date you cannot have more than one appointment at a time. Schedule , cancel or reschedule a road test online [5 ] Schedule by phone : 1 - 518 - 402 - 2100  On your test day \nMake sure your test was not rescheduled or relocated \nTests can be cancelled / rescheduled or relocated because of bad weather or road construction. Before you leave for your test , check the DMV cancellations , closings and delays [6] webpage or call 1 - 518 - 402 - 2100.  Be on time \nTry to arrive up to 30 minutes before the time of your test. If you are late , the license examiner may need to reschedule.  Bring \nyour photo learner permit 4 glasses or contacts , if your permit indicates you need corrective lenses your original Pre - licensing Course Certificate MV-278 or Student Certificate of Completion MV-285, copies are not acceptable if you are under 18, a Certification of Supervised Driving PDF [7] MV-262 completed by your parent or guardian - this must be given to the license examiner each time you take a road test who has a license valid to operate the test vehicle a driver age 21 or older to drive during the test that has a valid registration and inspection, operates properly and is in clean condition 5 a vehicle ", "For a motorcycle test, you also need \na properly operating, registered and inspected motorcycle 6 a properly operating, registered and inspected motor vehicle and a driver with a valid driver license to transport the license examiner during your road test Print this checklist [8 ]  After you pass your test \nour license examiner will give you an interim license that allows you to drive. Keep the interim license with your photo learner permit you will receive your photo driver license in the mail, in about 2 weeks if you are under age 18 and have a Class DJ, MJ or DJMJ driver license , you must obey the restrictions for junior drivers see Graduated Driver License GDL Law and restrictions on drivers under age 18 [9 ]  If you fail your test \nDon't worry. If you fail a non - commercial license road test , your learner permit remains valid until the expiration date. If your learner permit expires before your next road test , you must get a new learner permit. See Get a learner permit [10]. You can schedule another road test , but you must pay additional fees if you failed your first two road tests. You will need to wait at least one day to take the test again.  How to pay for additional tests \nIf you fail your road test , you can pay for additional tests online or by phone. To pay , you must have a valid learner permit or driver license provide your DMV ID Number from your Learner Permit Client ID Number and your date of birth have no other road tests currently available pay the fee with a credit or debit card 7 Pay additional road test fees online [11 ] Pay additional fees by phone : 1 - 518 - 402 - 2100 For information about how to get a Pre - Licensing Course Certificate MV-278 , see Prepare for your road test [12]. The fee for up to two road tests for a non - commercial license is included in your $10.00 driver license application fee. Usually, the earliest date is within three to five weeks , but at peak testing periods during summer and school breaks it may be up to 10 weeks away. There are no waiting lists. If you have an interim or temporary learner permit without a photo , you must also show a NY State photo driver license or a NY State non - driver ID Card. Photo documents from other states are not acceptable. The vehicle must have functional seat belts, headlights, windshield wipers and other equipment, a front passenger area and seatbelt free of trash, clutter or debris that might stain or damage the license examiner s uniform, and a front passenger door that is able to be opened from the inside of the vehicle The motorcycle must not have more than three wheels in contact with the ground The DMV accepts : American Express Card Discover Card /Novus MasterCard MasterCard Debit card without personal identification number PIN VISA Card Visa Debit Card without personal identification number PIN ", "Show \"do it online\" button in megamenu: \nTopic: \nDriver License [13 ]  show mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "Self-Certification \n1. Why do I have to self-certify? \nNew federal regulations require all commercial drivers to certify to the Department of Motor Vehicles DMV the type of driving they perform or expect to perform. Drivers that self - certify to a non - excepted driving type NA or NI are also required to submit a copy of their USDOT Medical Examiner s Certificate. This is a nationwide safety initiative that affects commercial driver in all states.  2. What are the self-certification driving types? \nNon - Excepted Interstate NI : Commercial driving operation is permitted across state lines , and you are required to meet the Federal medical requirements Non - Excepted Intrastate NA : Commercial driving operation is restricted to New York State only , and you are required to meet the Federal medical requirements Excepted Interstate EI : Commercial driving operation is permitted across state lines for excepted operation only and you are exempt from the Federal medical requirements Excepted Intrastate EA : Commercial driving operation is restricted to New York State, permitted for excepted operation only and you are exempt from the Federal medical requirements.  3. What if my driving type changes? \nIf your driving type changes , you must go into your local DMV office to change your self - certification driving type and have your license amended to add or delete the appropriate restrictions. A transaction fee will apply. If you are self - certifying to a non - excepted driving type NA or NI you will need to bring a copy of your valid USDOT Medical Examiners Certificate if it is not already on file with DMV. ", "4. Can I change my self-certification driving type online? \nNo , you must go into a DMV office.  5. I am eligible for an excepted operation, but I have a valid DOT Medical Examiner s Certificate. What driving type should I certify to? \nYou should certify to the type of driving in which you operate or expect to operate , and your CDL will have the restrictions for that driving type. Remember , your certification can be changed anytime at a local DMV office through a license amendment transaction. NOTE: If you are capable of obtaining a Medical Examiner s Certificate , then the NI driving type will allow for the broadest commercial operation capability with no license restrictions applied.  6. I do not meet the USDOT federal medical requirements, and I cannot obtain a Medical Examiner s Certificate. I do not operate in any federal excepted operation, but I was able to keep my CDL because it was issued prior to 9/9/1999. Can I still keep my CDL license? \nYes , you are eligible for Excepted Intrastate operation EA. You must ensure that your CDL has the required restrictions: K CDL Intrastate Only and A3 Med Cert Exempt. CDL holders that certify to EA can only operate a commercial motor vehicle within New York State, and cannot deliver cargo coming from, or being delivered to, another state or foreign country.  7. I work for a \"private\" company that provides school bus service to local school systems. Do I need to provide a Medical Examiner s Certificate or can I certify to \"EI\"? \nIf you operate or expect to operate in an excepted operation such as school operation for a private service , you can choose EI. School operation is defined as \" school to home / home to school \" operation and includes interstate operation for school operation only. This does not include field trips. Only applicants employed by a municipality can drive for out - of - state field trips. It is important to remember that when you choose driving type EI, you are limited to driving only for an excepted operation. NOTE: If you are capable of obtaining a Medical Examiner s Certificate , then the NI driving type will allow for the broadest commercial operation capability with no license restrictions applied. ", "8. I have a current CDL license with no restrictions. I do NOT have a Medical Examiner s Certificate and I do not use my CDL license to drive commercially. For example I am retired, not working, etc. I don t want to downgrade my license because I paid for a CDL and have several years before it expires. What driving type should I choose? \nFederal regulations require all CDL drivers to certify to the type of driving in which they operate or expect to operate. You should choose the box which describes the type of driving that you perform or expect to perform. If you expect to operate in an excepted driving type EA or EI then a Medical Examiner s Certificate is not required. You will need to have the appropriate restrictions added to your driver s license A3 and/or K. If you expect to operate in a non - excepted driving type NA or NI then a Medical Examiner s Certificate is required. Remember , your certification can be changed anytime at a local DMV office through a license amendment transaction.  9. Why did I receive my Medical Examiner s Certificate back in the mail with a rejection letter? \nThe rejection letter indicates why the Medical Examiner s Certificate is being returned to you. If information was incorrect, missing or illegible , you must contact your physician to have the form amended or another form completed. If your Medical Examiners Certificate was rejected because it was not completed by a doctor listed on the National Registry of Certified Medical Examiners , you must have a new exam completed by a doctor on the registry. To find a certified doctor in your area please visit the Federal website at National Registry of Certified Medical Examiners Search [1]. ", "10. If I downgrade my license to a non-commercial class, am I eligible for a refund? \nNo refund will be given as the driver will have the remainder of the renewal period as well as the two year grace period to be granted back the CDL without re - testing requirements. A refund is only allowed by law if the license is surrendered in full and there is 4 years or more remaining at the time of surrender.  11. Will you send me a reminder when my Medical Examiner s Certificate or my medical variance is going to expire? \nYes , DMV sends reminders to CDL and CLP holders who have registered to receive email and/or text reminders about the status of their medical certifications [2] and medical variances [3]. To register to receive these reminders , go to Get email and/or text reminders [4]. Failure to submit an updated Medical Examiner s Certificate, or medical variance, prior to the expiration date of the one on file may result in your CDL being downgraded. You should allow at least two weeks to process your updated documents.  12. The Medical Examiner s Certificate I previously sent has since expired or is due to expire. My next doctor s appointment is not for another two weeks. What happens to my CDL in the meantime? \nOnce your Medical Examiner s Certificate on file expires , you are no longer certified to drive commercial vehicles. A notice advising you of your not certified medical status and impending license downgrade 56 days from the date of notice will be sent to you. When we receive your new updated medical certificate , you will be re - certified. If your CDL was downgraded because of your \" not certified \" medical status , you will need to visit a local DMV office to upgrade your license back to a CDL. ", "13. How do I know that the DMV received my self-certification and/or Medical Examiner s Certificate information? \nIf you are signed up for MyDMV or sign up at go to MyDMV [5] at the DMV website and use the service called \" My License Status, Renewal and Replacement , \" you can look under \" License Status \" to determine your self - certification driving type, medical certification status and medical certificate expiration date. If you self - certified to driving types NI & NA , you will have a medical certification status of either \" Certified \" or \" Not Certified. \" If you self - certified to EI or EA , you will have a medical certification status of \" Not Required \". Note: DMV is entering commercial driver self - certification and medical certification data daily, as soon as possible. However , due to the volume of responses it could take a period of time for a driver record to be fully updated. Self - certification driving types data will be entered and show first, followed later by medical certification data , So , there may be a period of time where an NI or NA driving type reflects a \" Not Certified \" medical status until the medical certification data is entered, when it will then be updated to \" Certified \".  14. How can I contact the Medical Certification Unit? \nFax : 518 - 486 - 4421 or 518 - 486 - 3260 Email : [ email protected] [6 ] Mail: NYS DMVMedical Certification UnitPO Box 2601Albany , NY 12220 - 0601", "What To Do If You Receive A Traffic Ticket \nINTRODUCTION \nIf you are issued a ticket for a non - criminal moving traffic violation in the five boroughs of New York City , it will be handled by a New York State Department of Motor Vehicles DMV Traffic Violations Bureau TVB. This allows courts in these areas to concentrate on criminal cases, including driving offenses, such as driving while intoxicated and driving while suspended or revoked aggravated unlicensed operation. However , TVBs do not handle parking violations. If you plead not guilty to a traffic ticket in one of these TVB areas , your case will be heard by a DMV Administrative Law Judge ALJ, an experienced attorney with special training in the Vehicle and Traffic Law. An ALJ has the authority to decide whether or not you are guilty and to set a fine if you are found guilty. An ALJ also has the authority to revoke or suspend your driver license and/or auto registration when required by law or when the ALJ believes it is in the interest of traffic safety. Just as in traffic courts in other areas of the state , you may present witnesses and evidence at a hearing before an ALJ and be represented by an attorney.  IF YOU ARE ISSUED A TICKET \nFollow the instructions on the ticket for the plea you wish to make, and act promptly. If you don't answer the ticket in the time allowed , your driver license will be suspended. Later , you could be found guilty of the charge because of your failure to respond a default conviction. Your license would be suspended for not paying the fine and a judgment would be entered against you. Driving with a suspended license is a crime. A felony conviction may result in fines of up to $5,000, jail, probation, or confiscation of your vehicle. As the number of suspensions you have increases , the penalties also increase. A driver is suspended for ticket not answered and fine not paid. To Plead Not Guilty - Use the Traffic Ticket Pleas, Hearings and Payments online transaction [1] or read the \" not guilty \" instructions and check the \" not guilty \" box on the back of the ticket. Fill in the requested information , sign it , and mail the ticket to the Albany address listed. DMV will send you a letter telling you when and where to go for your hearing. If you are hearing impaired and require an interpreter , include a request for one when you mail your not guilty plea. An interpreter will be assigned to your hearing at no charge to you. ", "ATTEND YOUR HEARING \nHearings are open to the public. You may go to any TVB office to watch hearings so you know what to expect at yours. To Plead Guilty - Use the Traffic Ticket Pleas, Hearings and Payments online transaction [1] or read the instructions and check the \" guilty \" box on the back of the ticket. Fill in the requested information , sign it and , , either mail it with your payment to the Albany address listed on the ticket or bring your payment to any TVB office. You may pay the fine and surcharge by Visa or Mastercard, or by a check or money order payable to the Commissioner of Motor Vehicles. Include the total fines and surcharges listed on the ticket for your violation. You may not plead guilty by mail if the charge against you will result in license or registration suspension or revocation upon conviction such as driving without insurance or a third speeding violation within 18 months. If you plead guilty to such a charge by mail , you will be notified that you must go to the TVB to answer the charge in person. Your Address - If your mailing address is different from the address written on the front of the ticket , please write the correct mailing address in the space provided on the back of the ticket. You may request your traffic ticket hearing to be postponed and rescheduled to a different date. For the ticket's first postponement , the appropriate TVB must receive your request by mail at least 10 days before the date of the scheduled hearing. You may also make your postponement request in person at that office or by telephone at least one day before your hearing date. If it would be a second or subsequent postponement for the same ticket , your request must be made in person at the appropriate TVB office at least one day before your hearing date. Your request for a second or subsequent postponement also must include a \" good cause, \" which is the reason you want the hearing rescheduled. Your \" good cause \" is subject to approval by a TVB Administrative Law Judge. For a traffic ticket issued within New York City: Mail your request to the Albany, NY, address on your ticket - the office must receive your request at least ten days before the date of your scheduled hearing. You also may make your request in person at any TVB office in New York City, or telephone the TVB at 718 -488 - 5710, at least one day before the date of your scheduled hearing. For a traffic ticket to be answered to a TVB outside New York City : Mail your request to the TVB office indicated on your ticket. The office must receive your request at least ten days before the scheduled hearing date. You also may make your request in person to that TVB office or by telephone at least one day before the date of your scheduled hearing You are considered innocent of the charge against you unless you are proven guilty at your hearing. You cannot be found guilty unless there is \" clear and convincing evidence \" that you committed the violation. If you find it hard to understand English , you may bring someone to help you. Tell the ALJ, before the hearing starts, that someone who speaks your native language and English is there to interpret. The ALJ will listen to sworn testimony from the police officer, who will explain why you were given the ticket. Then , you or your attorney may ask the officer questions. You also may bring witnesses to testify for you and written evidence. The judge may ask witnesses questions to better understand their testimony. You do not have to testify but you may if you wish. You cannot be found guilty just because you do not testify. When all of the evidence and testimony have been given , the ALJ will decide whether or not you are guilty. That decision will be based only on the evidence and testimony presented at the hearing and what the law states. If the ALJ decides the charge against you was not proven by clear and convincing evidence , you will be found not guilty. If the charge is proven and you are found guilty , the judge will set a fine. Your license or registration also may be suspended or revoked, depending on the violation and your overall driving record. ", "APPEALS \nIf you believe the ALJ's decision was incorrect based on the facts and the law , you may file an appeal. You can determine if you can file an appeal online [2] or download Traffic Violations Bureau Appeal form [3] AA-33 from the DMV web site. The appeal form is also available at TVB offices. Read the instructions carefully. If you wish , your attorney may help you file the appeal. Remember to include a payment for the appeal fees. An appeal must be filed , and the appeal form and fees must be sent to : DMV Appeals BoardP.O. Box 2935Albany , NY 12220 - 0935 The State Department of Motor Vehicles Traffic Violations Bureaus handle parking tickets or violations by pedestrians. These are usually handled by a local parking violations bureau or court. The most common reasons your license may be suspended or revoked due to motor vehicle violations follow. Remember , your license also will be suspended if you do not answer a ticket or pay a fine. An ALJ has the authority to suspend or revoke your license for violations other than those listed. Speeding / Misdemeanors If you commit three speeding and/or misdemeanor traffic violations within 18 months , your license will be revoked for at least six months. New Driver Probation You are on license probation for six months after you pass a road test. If you are found guilty of committing any two moving violations during your probation period , your license will be suspended for 60 days. It will also be suspended for 60 days if you are found guilty of committing a single, more serious violation during the probation period, including speeding, tailgating, unauthorized racing or reckless driving. For violations committed on or after November 1 , 2014 - If you are found guilty of committing a texting / cell phone violation during the probation period , your license will be suspended for 120 days. For texting / cell phone violations committed between July 1 , 2013 and October 31 , 2014, your probationary license will be suspended for 60 days. If you are a holder of a probationary / junior license or learner permit and you are charged with a cell phone / texting violation on or after July 1 , 2013 , you cannot plead by mail or online. You must appear for a hearing in a TVB office. Points Most traffic violations carry violation points. The points will be added to your record using the date the violation occurred, not the date you are found guilty. If your violation points in any 18-month period add up to 11 or more , your license may be revoked or suspended following a hearing. The ALJ usually holds the point hearing immediately after you are found guilty of a violation that brings your total to 11 or more points in 18 months. On the following panel is a list of common violations and the number of points for each. Taking a DMV - approved accident prevention course can reduce your point total by up to four points and reduce your auto liability and collision insurance premiums by 10% for three years. Ask for more information at any motor vehicle office. ", "Violation Points \nLET US HEAR FROM YOU We welcome your suggestions for improving TVB services and operations. Please write your suggestions and leave them at a TVB office or mail them to : Director Office of Traffic Violations Department of Motor Vehicles 6 Empire State Plaza, Albany, NY 12228 Supervising ALJ Office of Traffic Violations 801 Axinn Avenue Garden City, NY 11530 TRAFFIC VIOLATIONS BUREAU ADDRESSES AND PHONE NUMBERS [4 ] Additional information can be found at: Tickets received in New York City [1 ] Mark J. F. Schroeder , Commissioner C-49 2/05 Return to DMV Publications [5 ]", "Estimate registration fees and taxes[1] \nIf this is the original registration first time you register your vehicle , you must pay the registration fee vehicle plate fee county use tax sales tax see sales tax information [2 ] title certificate fee of $50.00 MCTD 1 fee for the following 12 counties only: Bronx, Kings Brooklyn, New York Manhattan, Queens, Richmond Staten Island, Dutchess, Nassau, Orange, Putnam, Rockland, Suffolk, and Westchester If you transfer the registration and plates from another vehicle , you don t need to pay the plate fees or MCTD fee , and you may be able to transfer the registration fees to your new vehicle. \n\nEstimate fees and taxes online \nThe online estimates DOES NOT include the sales tax. You can also use these charts to estimate your registration fees, use taxes, and supplemental fees for passenger vehicles [3 ] commercial vehicles [4 ] Sorry , you cannot use the online service to estimate fees and taxes for trailers or boats see instructions below. Estimate registration fees and taxes online [5 ] \n\nEstimate trailer and boat registration fees \nTrailer and boat registration fees are calculated differently. You can t use the online service to estimate them. See register a trailer [6], or register a boat [7] for how to estimate these registration fees. Metropolitan Commuter Transportation District You don t need to pay sales tax when you register if you show DMV acceptable proof that you paid the sales tax when you bought the vehicle, or if the registration is tax exempt. See sales tax information [2]. \n\nCommon Tasks: \n\n\nShow \"do it online\" button in megamenu: \n\n\nTopic: \nRegistration [8 ] \n\nshow mydmv button in megamenu: \n\n\nDisable this transaction?:", "Order personalized plates[1] \nHow do I order personalized plates? \nYou can order personalized plates for passenger vehicles, commercial vehicles and motorcycles. Learn more about personalized plate fees, requirements and restrictions. [2] Many picture plates can also be personalized. You can browse our collection of picture plates online. The categories are : I Love NY Adventure [3 ] Sports [4 ] Military and Veterans [5 ] Counties and Regions of NY State [6 ] Colleges , Fraternities , Sororities [7 ] Causes [8 ] Professions [9 ] Organizations [10 ] Motorcycle Plates [11 ]  Order online \nYou can order personalized plates online unless you want personalized plates for people with disabilities that have the Universal Symbol of Access. To order personalized plates online : You must have a valid New York State vehicle registration in the passenger, commercial or motorcycle registration class that does not expire within 60 days. The mailing address on your vehicle registration record must be your current mailing address. Your vehicle registration record must match your current name if your name has changed. You must provide your current plate number, the 3-letter registration class code and the first three letters of your last name. See a sample registration document. [12] You must have a credit card that DMV accepts, and a valid email address for confirmation purposes. Order personalized plates online [13 ]  By mail \nTo order personalized plates by mail , use the Application for Custom Plates PDF [14] CP-30. Mail the completed form and your payment to : NYS DMV Custom Plates UnitP.O. Box 2775Albany , NY 12220 ", "By phone \nIt s faster and easier to do it online. To order by phone , call the Custom Plates Unit at 1 - 518 - 402 - 4838. Office hours are 8:00am - 4:00pm, Monday through Friday.  At a DMV office \nYou can save yourself trip. It s faster and easier to do it online. Find a DMV office. [15]  When to expect your new plates and registration \nIn approximately 10 days or less after your order is processed , you will receive new registration documents that show your current plate number and your new plate combination. Allow at least six weeks for the custom plates to arrive Your new registration documents will be mailed separately from your new custom plates If you do not receive your registration documents within two weeks or your custom plates within six weeks , contact the Custom Plates Unit at 1 - 518 - 402 - 4838. Check my plate order mailing status. [16]  What to do with your current vehicle plates when you receive new plates \nTo protect against the fraudulent use of your current vehicle plates , mark each vehicle plate with a permanent ink pen. Do not put both vehicle plates in the recycling / garbage on the same day. You can t order personalized plates before your vehicle is registered, when renewing your registration, or before transferring a registration. You must have a registration windshield sticker, receipt and regular series plates issued by DMV before ordering personalized plates. To order personalized plates for people with disabilities that have the Universal Symbol of Access , call the Custom Plates Unit at 1 - 518 - 402 - 4838. Office hours are 8:00am - 4:00pm, Monday through Friday. If your registration expires within the next 60 days , renew your registration [17] before you order personalized plates. Change your address online [18] before ordering personalized plates. You must visit a DMV office [15] to change your name on all DMV records and documents. Learn more about how to change your name [19]. We accept American Express, Discover, MasterCard and VISA. Some picture or professional plates can t be purchased by mail. Some plates are not available by phone. Professional, emergency services, veterans and some organization plates are limited to membership and must be ordered through the organization or directly from the Custom Plates Unit, with documentation. ", "Common Tasks: \nShow \"do it online\" button in megamenu: \nTopic: \nPlates [20 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "Replace license or permit[1] \nYou can replace your license or permit including commercial and enhanced if it was lost, stolen or destroyed, or after you update your address. You can't replace your document if it is expired. If you are turning 21 soon , order within 40 days of your birthday.  If you plan on traveling \nWe recommend you come to the DMV now to get an Enhanced or REAL ID, and avoid a second office visit later. 2 Learn about Enhanced, REAL ID and Standard documents [2].  Replace at an office and get an Enhanced or REAL ID \nYou don't have to get an Enhanced or REAL ID. 3 However , if you have a Standard , you will not be allowed to board a domestic flight starting in October 2020 unless you have a Passport. Complete this guide to make sure you have the proofs of identification you need before you come to DMV. Find your proofs [3 ]  Replace online \nWARNING: If you replace your Standard online , your new document will show :' NOT FOR FEDERAL PURPOSES'. Don't delay! Get your Enhanced or REAL ID today. If you already have an Enhanced or REAL ID, or you want to keep your Standard , you can replace online. Your document type will stay the same. Replace online [4 ]  Replace by mail \nWARNING: If you replace your Standard by mail , your new document will show :' NOT FOR FEDERAL PURPOSES'. Don't delay! Get your Enhanced or REAL ID today. If you already have an Enhanced or REAL ID, or you want to keep your Standard , you can replace by mail. Your document type will stay the same. ", "Send \na completed Application for Permit , Driver License or Non - Driver ID Card PDF [5] MV-44 if you do not know your DMV ID number, enter your date of birth and name as it appeared on your old document photocopies of acceptable proof of identity [6 ] payment of $17.50 check or money order payable to \" Commissioner of Motor Vehicles \"  To \nNYS Department of Motor Vehicles207 Genesee Street, Suite 6Utica, NY 13501 - 2874  Fee \nThe fee is $17.50. If you apply by mail or at a DMV office , you can pay by credit / debit card or a check or money order made out to Commissioner of Motor Vehicles. To apply online , you must use a credit / debit card. The DMV accepts : American Express Card Discover Card /Novus MasterCard MasterCard Debit card without personal identification number PIN VISA Card Visa Debit Card without personal identification number PIN If you want the fee waived for a license or permit lost due to a crime , you must apply at a DMV office and show form MV-78B completed by the police.  Address and mailing information \nUpdating address \nWe send documents to the address we have on our records at the time of the order. If you moved , first change your address [7], then order a replacement.  Temporary address \nWhen you order by mail or at a DMV office [8], you can ask that your replacement document be sent to an address that is different from the address on your document. 5 Sorry , you can't use a temporary address when you order online. ", "We will mail you your document \nWe will mail it to the mailing address currently on our records or an alternate address you provide. 6 To verify or change your address , see Address Change [7]. It takes about 10 days for your license to come in the mail. You can check the mailing status online [9]. If it has been more than 2 weeks since you ordered your duplicate , contact us [10].  Additional information \nYou do not need an eye exam when you replace your document. Your expiration date and ID number will not change when your replace your document.  Change my name or make other changes \nTo change your name or other non - address information photo, height, add / remove corrective lenses , you will need go to a DMV office. See how to change your name or other information [11].  Veteran status designation \nIf you are a qualified U.S. military veteran who was honorably discharged, and you have a NY State driver license, learner permit or non - driver photo ID card , you can have the word \" Veteran \" printed on the upper left hand of your photo document. There is no additional fee for the veteran status designation on your document , but all regular transaction fees will apply. Learn how to get the veteran status on your license [12].  Overseas (out of the country, abroad) \nWhen overseas you must replace your license through the mail. Please submit a completed Application for Permit , Driver License or Non - Driver ID Card PDF [5] MV-44 include payment of $17.50 We also recommend that you send us a pre - addressed priority mail return envelope with your application this will help ensure that we send your license to the correct address. ", "Temporary visitors and international students \nAs long as the Temporary Visitor status that DMV has on file is not expired you can replace your license online, through the mail or in an office. If your Temporary Visitor status has been extended , you must go to a DMV office with your updated paperwork from the Immigration and Naturalization Service INS. We will update our records to show that your Temporary Visitor status has been extended so you can replace your license. Your new license will have your new temporary visitor expiration date. If you request a replacement driver license 41 days or more before your 21st birthday , it will say UNDER 21. Starting in October 2020 , you will need an Enhanced or REAL ID to board a domestic flight unless you have a passport. If your license or permit was issued before October 30 , 2017 and is not Enhanced , you have a Standard document. Newly issued Standard documents show :' NOT FOR FEDERAL PURPOSES'. If you want to replace in an office and keep your Standard document type , follow these steps : Step 1: Complete an Application for Permit , Driver License or Non - Driver ID Card PDF [5] MV-44 Step 2 : Come to an office. Bring your current license or permit your application payment Newly issued Standard licenses and permits show :' NOT FOR FEDERAL PURPOSES'. To get a free replacement for a driver license or learner permit that was stolen or was lost due to a crime , you must get form MV-78B from a police agency. This form is available only from police agencies, not from the DMV. If you want your new driver license sent to an alternate address , include an additional note and clearly print the alternate address. Don t write the alternate address on form MV-44. The mailing address you write on form MV-44 must be the address that is listed on your photo document and your DMV record. If you want your new driver license sent to an alternate address , include an additional note and clearly print the alternate address. Don t write the alternate address on form MV-44. The mailing address you write on form MV-44 must be the address that is listed on your photo document and your DMV record. ", "Show \"do it online\" button in megamenu: \nTopic: \nDriver License [13 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "The Point and Insurance Reduction Program PIRP is a DMV - approved course designed to teach motorists critical information about Highway Safety and Accident Prevention.  How do I get the insurance premium reduction? \nThe course sponsor will mail you a completion certificate within 45 business days after you complete the classroom course or 14 business days after you complete an online course. If you present your certificate to your insurance company or agent within 90 days after course completion , your liability and collision premium reduction will begin immediately, retroactive to the date you completed the course. If you present your certificate more than 90 days after course completion , the insurer may issue the premium discount effective from the date presented. If you do not receive your certificate within eight weeks after completion , immediately contact the program sponsor. You must take the course once every 36 months to maintain insurance reduction benefits.  Will the PIRP course prevent my insurance company from raising my premiums? \nNo. PIRP does not prevent general premium increases, or premium increases due to violations or accidents. It provides a 10% reduction for three years, from the base rate of your current liability, no - fault and collision premiums.  What if more than one person named on a policy completes the PIRP course? \nOnly the principal operator can receive the 10% reduction.  Will youthful drivers and drivers participating in the assigned risk pool receive the insurance premium discount? \nYes. Any insured driver who is the principal operator and completes a Point & Insurance Reduction Program course will receive the 10% reduction. ", "If a youthful driver is already receiving a driver education reduction, will the PIRP discount also be applied? \nContact your insurance company or agent to learn if both reductions will be given at the same time.  Learn how to reduce driving record points. [1]", "To drive taxis and other livery vehicles in New York State , you must be 18 years of age or older and you must have a driver license that is one of these classes Class A commercial driver license CDL Class B CDL Class C CDL Class E driver license  If you plan on traveling \nWe recommend you come to the DMV now to get an Enhanced or REAL ID, and avoid a second office visit later. 1 Learn about Enhanced, REAL ID and Standard documents [1].  Change from a Class D to a Class E license \nStep 1: Complete the \nApplication for Standard Permit, Driver License for Non - Driver ID Card PDF [2] MV-44  Step 2: Determine what identification you need to bring to the DMV \nif you want a REAL ID or Enhanced, complete this document guide to know what proofs of identity to bring to an office Find your proofs [3 ] On the first page , select : Change my existing NY State license / ID to a REAL ID or Enhanced if you want a Standard that will display \" NOT FOR FEDERAL PURPOSES \" , bring your current NY State license as proof of identity  Step 3: Go to the DMV \nsurrender your Class D license. apply and pay for your Class E license the fee depends on the expiration date of your current driver license - we cannot calculate your fee until you apply take the vision test or prove that you meet our vision requirements [4 ] ", "Step 4: Get your Class E license in the mail \nAllow 2 weeks for your new license to arrive.  If you do not have New York State driver license \nIf you do not have a driver license , learn how to apply for your first driver license [5]. Apply for a Class E driver license instead of a Class D driver license. The Class D license and the Class E license both require the same vision, written and road tests. The New York City Taxi and Limousine Commission T&LC regulates taxi drivers and livery drivers in New York City. If you plan to drive a taxi or livery vehicle in New York City , contact the Taxi and Limousine Commission [6]. Starting in October 2020 , you will need an Enhanced or REAL ID to board a domestic flight unless you have a passport. If your license or permit was issued before October 30 , 2017 and is not Enhanced , you have a Standard document. Newly issued Standard license and permits state : ' NOT FOR FEDERAL PURPOSES '", "Remove a lienholder from a title[1] \nHow to remove a lienholder from a title certificate \nPLEASE NOTE: When you sell a vehicle , you do not need to remove a lien from the certificate of title. You can give the original title and the original lien release to the buyer. If you want to get a lien free title , please read below for further instructions. To remove a lien , you do not need to go to your local DMV. Just mail these items proof that the lien was satisfied must be the original - photocopies are not accepted your current title certificate must be the original photocopies not accepted check or money order for $20.00 payable to \" Commissioner of Motor Vehicles \" Lien ReleaseNYS DMV Title Services6 Empire State PlazaAlbany , NY 12228 - 0331 The DMV will mail your certificate of title that does not list the lien in 60 to 90 days. The title certificate must be mailed to you ; a DMV office cannot give you the title certificate.  What are acceptable proof that a lien is satisfied? \nThere are two acceptable proofs. You can provide the DMV either Notice of Recorded Lien MV-901. The lienholder can send this to you. An authorized officer of the lienholder must sign the form and indicate that the lien is satisfied. A letter from the lienholder. The lienholder must print the letter on the official letterhead of the loan company , and an authorized officer must sign the letter. The letter must identify the vehicle and indicate that the lien is satisfied. If the lienholder is a person and not a loan company , the letter must be notarized. ", "Can I transfer a title certificate that has a lien listed? \nYou can transfer the title certificate and give the new owner the original proof that any lien listed on the title certificate was satisfied. Keep a copy of the proof for your records. When the new owner applies for a registration and title certificate , DMV receives the title certificate and the proof that the lien is satisfied. When the DMV processes the title certificate of the new owner , the lien is removed. If the new owner does not provide the original proof that the lien is satisfied , the lienholder is listed on the title certificate of the new owner.  What if the lienholder has my title certificate? \nIn many other states , the lienholder keeps the title certificate until the lien is satisfied. The lienholder sends the title certificate to the owner when the lien is satisfied. If your vehicle is registered in NYS and you receive the out - of - state title certificate from the lienholder , send the title certificate to the Title Services Bureau at the address shown above. The DMV will send you a NYS title certificate. There is no fee because you paid the title certificate fee when you registered your vehicle in New York.  My title certificate is lost and I need to remove a lien. What can I do? \nSend an Application for a Duplicate Certificate of Title PDF [2] MV-902 and the original proof that indicates that the lien is satisfied to the address above, or bring them to a DMV office. The DMV processes a duplicate title certificate that does not list the lien and mails the certificate to you. The fee is $20.00. If you request that the DMV remove a lien when you apply for a duplicate title certificate , you can apply by mail or at a DMV office [3]. ", "Is there any other way my lienholder can remove the lien? \nIf your lienholder has an account with the DMV's Electronic Lien Transfer system ELT , they can file to remove the lien electronically. If they electronically file to remove the lien , a new title will not be automatically sent to you. You will either need to send in your title, proof that the lien was satisfied, and a fee, as mentioned above, or apply for a dublicate title. For more information about the Electronic Lien Transaction system , please see the Electronic Lien Transfer Program Business User Manual PDF ELT-1 [4].  Common Tasks: \nShow \"do it online\" button in megamenu: \nTopic: \nTitles [5 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "What must I do if I get a NOTICE OF NON-COMPLIANCE AND LICENSE DOWNGRADE? \nIf the cause is You must immediately submit a copy of your USDOT Medical Examiners Certificate to the Medical Certification Unit. If the cause is You must immediately submit an updated copy of your USDOT Medical Examiners Certificate to the Medical Certification Unit. If the cause is You must contact the Federal Motor Carrier Safety Administration FMCSA or your Medical Examiner to have this issue resolved. You can send the required documents to DMV by mail, fax or e - mail. Mailing address : NYS DMVMedical Certification UnitPO Box 2601Albany , NY 12220 - 0601 Fax : 518 486 - 4421 / 518 486 - 3260 e - mail : [ email protected] [1 ] Drivers can monitor their own CLP / CDL medical certification status through MyDMV [2] and subscribe for text and/or email notifications [3].  What will happen if I don't respond to the NOTICE OF NON-COMPLIANCE AND LICENSE DOWNGRADE? \nFailure to respond to the NOTICE OF NON - COMPLIANCE AND LICENSE DOWNGRADE will result in your Commercial Driver License automatically being downgraded to a Non - CDL class and/or your Commercial Learner Permit being cancelled as of the effective date on the notice. We strongly recommend that you submit your required information to the Medical Certification Unit at least 20 days before the effective date of the downgrade. This will allow for receipt and processing time. If the downgrade / cancellation occurs , your must complete and present an application to reinstate your commercial privileges in person at a DMV office. All normal transaction fees will apply. If you are a Commercial Learner Permit holder , you will need to retake any applicable knowledge tests you passed more than 180 days from the date you apply for reinstatement. If you no longer want a Commercial Driver License/ Commercial Learner Permit , you can get a non - commercial duplicate license online [4] after the Effective Date on the downgrade notice. The commercial class license document in your possession will no longer be valid. Note : You may be charged with a violation of the Vehicle and Traffic Law VTL if you operate a commercial motor vehicle when not medically certified VTL 509 7-a not in possession of the appropriate license to operate the vehicle (VTL 509(7), or not holding the appropriate class of license to operate the vehicle VTL 509 Sections 509 and 509 are considered serious disqualifying offenses under federal and state law, when committed in a commercial motor vehicle. If you are convicted of more than one serious , you commercial driver license may be suspended.", "If you purchased a vehicle at a sheriff or marshal auction , you might not have the title to that vehicle. However , you can still apply for a New York State registration and a title certificate at a local DMV office [1].  What to bring to the DMV \nOne of these \na copy of the posted notice of sale a copy of the newspaper ad containing the vehicle year , make and VIN the name of the newspaper and the date the ad was published a statement from the Marshal or Sheriff that they complied with the law in regard to public notification or sale  All of these documents \na completed Vehicle Registration / Title Application PDF [2] MV-82 the Marshal's or Sheriff's Bill of Sale , which must contain the following a description of the vehicle year, make and VIN the place , date , reason and circumstances of seizure the name and address of the purchaser and the price paid if the vehicle was sold outside New York City , that all interested parties owner, lienholder, et al. a statement were notified of the sale if the vehicle was sold within New York City , a copy of the judgement or execution order giving the Marshal or Sheriff authority to sell the vehicle if the vehicle was sold within New York City , a statement by the Marshal or Sheriff that they had notified or attempted to notify the owner and lienholder that the vehicle was being auctioned the current NY State Insurance ID card auto liability insurance 1 your NY State driver license , permit , non - driver ID , or other proof of identity 2 Payment for fees and taxes or proof of an exemption [3 ] If you register for a business or organization , also bring proof of incorporation. ", "Fees \nThe fees depend on the vehicle weight and where you live. First - time registration fees normally include the sales tax a vehicle plate fee or registration transfer fee a title certificate fee in most counties a vehicle use tax either a 1 or 2 year registration fee , depending on the type of registration You can estimate the registration fees [4] you will need to pay.  Payment types \nWe accept cash most credit, pinless debit or prepaid cards American Express, Discover Card / Novus, MasterCard, VISA a personal check or a money order payable to You can split your payment between cash and check if you need.  Additional information \nMore help \nSee Instructions Vehicle Registration / Titling Application PDF [5] MV-82.1. For specific information about registering various types of vehicles , refer to the webpages listed on this page.  You do not need to be United States resident to register a vehicle in New York \nAs long as you meet the registration requirements , you can register a vehicle here.  About Vehicle Identification Numbers (VINS) on vehicles or motorcycles \nIn an effort to protect consumers , the DMV would like to inform you about New York State laws pertaining to vehicle identification numbers [6] also called VINs.  California emissions standards \nMost vehicles mustcomply with California emission standards [7].  Sharing registration information \nRead more about sharing your information [8].  Registering the vehicle if you have a title \nRead more about registering a vehicle if you have a title [9]. Your insurance company will: 1) give you 2 barcoded original NY State Insurance ID cards (see a sample [10]) or provide you with access to your digital electronic NY State Insurance ID Card 2) send an electronic notice of insurance coverage to the DMV (your insurance agent or broker cannot file this notice) Your NY State Insurance ID cards and the electronic notice together verify your coverage. We need both. You must register your vehicle within 180 days of the effective date on your Insurance ID Card. Bring one copy or form of your Insurance ID Card with you. The DMV office will keep the paper card. Keep the other paper card with the vehicle as your proof of insurance. Anyone operating your vehicle must be able to provide proof of insurance. Learn more about NY State Insurance Requirements [11]. You must provide proof of identity and date of birth. You must be at least 16 years old except for ATV and boat registrations. You can use a New York State driver license learner permit , or non - driver ID card that is current or expired less than 2 years as proof of identity and age. If you don t have one of these , see other kinds of proof [12] you can use. See Instructions for Vehicle Registration / Title Application PDF [5] MV-82.1.", "Determine the fees and taxes for passenger vehicles \nUse the both theregistration fee and county use tax charts to determine your registration fee and county use tax. If this is the original registration of your vehicle, in addition to the registration fee and county use tax , you must pay the fees for your vehicle plates $25.00 your title certificate fee of $50.00 the sales tax - the amount of the sales tax depends on the purchase price and your locality. You can see the current sales tax rates by jurisdiction [1] at the Department of Taxation and Finance web site. There is a minimum 2-year fee of $32.50 for a vehicle that has 6 or more cylinders, or for an electric vehicle. Dealers , this minimum fee is not a surcharge or an additional fee.  Registration fee chart for passenger vehicles \nThe chart shows the 2 year fee by vehicle weight.  County use taxes and supplemental fees \nResidents of New York City and several counties in New York State must pay a vehicle use tax when they register a passenger vehicle or renew a passenger vehicle registration. If you reside outside New York City and you are exempt from the vehicle use tax in the county where you reside or have a business , complete form UT-11C.  New York City Bronx, Kings (Brooklyn), New York (Manhattan), Queens, Richmond (Staten Island) \nAll passenger vehicle original registrations and renewals Vehicle use tax - $30 for two years $15 per year Supplemental MCTD fee - $50 for two years $25 per year ", "County use tax chart for counties outside of New York City \nThe chart shows the use taxes for all original registrations and renewals by the weight of the vehicle. Residents of the 12 counties in the Metropolitan Commuter Transportation District MCTD also pay a supplemental fee for each year the registration is in effect. Do not add $32.50 to the fee that the chart indicates or to the amount that the Estimate registration fees [2] service calculates. The DMV collects the taxes for the city and the counties. Read the table below to determine if you must pay a vehicle use tax. If you have questions about these taxes , ask the city or county where you reside or have a business. If you reside in New York City and you are exempt from the NYC vehicle use tax , get form UT-11 from a local DMV office [3] or a DMV Call Center [4].", "Stolen vehicles \nIf your vehicle is stolen , report it to the police and your auto insurance company as soon as possible. The police will enter the information into national and state auto theft computer records. The theft will be noted on your vehicle title record to help prevent someone from selling the vehicle or applying for a title.  How can I report stolen plates? \nAsk the police to complete a' Report of Lost or Stolen Motor Vehicle Items' form MV-78B for your stolen plates. The form is different from the stolen vehicle report , and it's available only from police agencies, not from DMV. Make a copy of the MV-78B report for your records, and bring the original form to a DMV office to surrender your registration. For further information , see Report or Replace Lost or Stolen Plates [1].  Do I need a duplicate (replacement) title? \nIf your vehicle is not recovered , you may have to transfer ownership to your insurance company using your title certificate. If you have lost your title certificate , you must apply for a duplicate title. See Replace a Title Certificate [2] for more information. A duplicate title issued when a vehicle is stolen is marked to show the vehicle is stolen and that the duplicate title is valid for insurance transfer only. If your vehicle is recovered before you transfer the \" insurance transfer only \" title to your insurance company , make sure the police have cancelled the stolen vehicle alarm. Then send the title to the Title Bureau along with a letter explaining that your vehicle was recovered, and DMV will issue a regular title. The address for the Title Bureau is Title BureauNYS DMVPO Box 2750Albany , NY 12220 - 0750 ", "What if my title was not yet issued? \nIf the vehicle was stolen before you were able to apply for registration and title in your name , you must first apply for a title in your name in order to transfer ownership to your insurance company. Obtain a letter from the insurance company on their letterhead stating that proof of ownership is required for insurance transfer only. Submit the letter with your Application for Title [Only] [3] MV-82TON. DMV will issue a New York State Salvage Certificate MV-907A in your name. The MV-907A is an ownership document that can be transferred to your insurance company. See Apply for a Title Certificate Only [4] at our website.  Recovered vehicles \nIf your vehicle is recovered , make sure the police cancel the stolen vehicle alarm so the recovery will be listed on your title record. Do not use the vehicle or apply for plates / registration until you are sure the alarm has been cancelled. If the vehicle is damaged or totaled , contact your auto insurance company. Do not apply for plates / registration as explained below until contacting your insurance company and resolving the matter with them. If the plates are recovered with your vehicle and you filed form MV-78B , bring the plates and your copy of the MV-78B to a DMV office to surrender them and apply for new plates and to re - instate your registration. If the plates are missing , bring your copy of form MV-78B to a DMV office and apply for new plates and reinstatement of your registration. If the vehicle and plates are recovered before you file form MV-78B, and the stolen vehicle alarm has been cancelled , your registration is still active and you may continue using the registration.", "Surrender plates temporarily or for a season \nYou can surrender your vehicle plates at a local DMV office and reinstate the registration later. For example , you can surrender your vehicle plates and cancel liability insurance when you take your vehicle off the road for the winter.  Surrender in an office \nBring your plates to a local DMV office and request a receipt for transfer. Do not request a registration fee refund receipt. Be sure to remove plate frames and fasteners before you surrender them. We will not accept plates with frames or fasteners attached.  Plate storage \nThe DMV does not store standard vehicle plates. If you surrender standard plates , they will be destroyed. You can apply for reinstatement of the registration at any DMV office that processes registration transactions. The DMV office will issue a new set of vehicle plates and can charge a vehicle plate fee of up to $25.00. If you surrender personalized plates or custom plates , the DMV office will store them. You must apply for the reinstatement of the registration at the same DMV office where you surrendered your personalized plates or custom plates.  Reinstate surrendered plates \nYou must apply in a DMV office to reinstatement of your registration and receive vehicle plates. Bring the following items a completed Application for Registration or Title pdf [1] MV-82 when you surrendered your vehicle plates the receipt FS-6 T you received an NY State Insurance ID Card FS-20 that shows current insurance coverage see a sample [2 ] your proof of identity and date of birth a check or cash for any fees Remember that the registration expires on the same date as the registration you surrendered. If you reinstate your registration within 60 days before the registration expires , you can renew the registration and pay the renewal fees.", "If you have a problem driver restriction , you can drive only to and from your place of employment during the hours of your employment , if your occupation requires the operation of a motor vehicle to and from a medical appointment which is part of a necessary medical treatment for you or a member of your household you may be required to provide a written statement from your licensed medical provider that verifies the travel is necessary to and from a Motor Vehicle office to transact business related to the license / permit / privilege that contains a problem driver restriction if the child's attendance at the school / day to and from a child's school / day - care - care is necessary for you to maintain employment or to maintain enrollment at an accredited school , college or university or a state - approved institution of vocational or technical training to and from an accredited school, college or university or a State - approved institution of vocational or technical training in which you are enrolled These restrictions are outlined on an attachment issued to you by the DMV. You must carry the attachment whenever you operate a motor vehicle.  To which classes of license can a problem driver restriction be applied? \nThe problem driver restriction can only be applied to a class D license. It cannot be applied to any commercial driver license CDL Class A, B or C, junior operator license Class DJ, motorcycle operator license Class M or MJ or a class E driver license. ", "Can I drive through New York State with my out-of-state CDL license if my New York State record has the problem driver restriction? \nNo. A driver with a CDL issued in another state cannot operate a commercial motor vehicle in New York State with a problem driver restriction on their New York State record.  Can I drive through New York State with my out-of-state license with the problem driver restriction? \nYes. You must carry your completed, signed and dated problem driver restriction attachment and abide by the problem driver restrictions listed on the attachment.  Is there a cost for this restriction? \nNo, you will pay the required driver license fees at the DMV office , but there is no additional fee for the problem driver restriction.  Where will the problem driver restriction be displayed? \nYour photo driver license or permit will have an A2 restriction displayed on the front of the document , and the words \" PROBLEM DRIVER RESTRICTION \" will be displayed on the back of the document.  How long will the restriction be in effect? Is there any way I can have the restriction removed early? \nIf your revocation was due to an alcohol - related incident , the restriction remains in effect for five years from the date you receive your driver license or permit. If your revocation was not due to an alcohol related incident , the restriction remains in effect for two years from the date you receive your driver license or permit. The restriction cannot be removed earlier. ", "What happens if I have a moving violation conviction before I obtain my driver license or permit with the problem driver restriction? \nThe approval for a driver license or permit with the problem driver restriction will be withdrawn if you are convicted of any of these violations following too closely tailgating speeding, speed contest operating out of restriction cell phone or texting violation reckless driving any two other traffic violations. This includes a seat belt violation by the vehicle operator, but does not include parking, stopping, standing, equipment, inspection or other non - moving violations. Your driver license will be revoked for a minimum of 30 days. You may then apply for to the DIU for a new license and must pay a non - refundable $100 application fee.  Problem Driver Restriction with DMV Mandated Ignition Interlock Device \nIf your driving history includes alcohol - related violations , you may be required to install an ignition interlock device on any and all vehicles you own and/or operate. You are also subject to the problem driving restrictions. In addition , your problem driver restriction attachment will indicate that you are required to have an ignition interlock device. Yes. The DMV mandated ignition interlock is imposed and removed administratively by DMV. An interlock restriction imposed by a court under Leandra's Law is imposed and removed by DMV under the orders of the court and is monitored by the court and designated monitors. Any device that is approved by the NYS Division of Criminal Justice Services [1]. Visit the Ignition Interlock page [1] at the NYS Division of Criminal Justice Services website for a list of service center locations. For information about installation fees , visit the Ignition Interlock page [1] at the NYS Division of Criminal Justice Services website. No , devices must be installed in any and all vehicles you own or operate. The device must be installed for five years from the date you receive your driver license or permit. No , you must have the device installed for five years while you have the problem driver restriction. You can be issued a traffic ticket for driving out of restriction. If you are convicted , your driver license will be revoked.", "An all - terrain vehicle ATV is any self - propelled vehicle with two or more wheels that is manufactured for sale to be used primarily off - highway or in off - road competitions , and that is no wider than 70 inches and weighs no more than 1,000 pounds. This does not include vehicles manufactured for off - highway use and designed exclusively for travel on snow or ice, and supported by one or more skis, belts or cleats that utilize an endless belt tread. Those vehicles, which include snowmobiles, are subject to other laws and regulations.  ATV REGISTRATION AND DATE OF EXPIRATION \nAn ATV must be registered with the Department of Motor Vehicles DMV if it is operated anywhere in New York State, including on the owner's property. When you register a new or used ATV for the first time , your registration will expire each year on August 31. Registrations for ATVs originally registered before April 1 , 2005, will continue to expire each year on April 30. ATV dealers are required by law to register every ATV they sell to New York State residents or to non - residents before the purchaser takes delivery; unless the purchaser qualifies for an exemption from registration. A purchaser is exempt from registration when the ATV will be used exclusively: outside of New York State; at special events; for agricultural purposes; or for snow plowing other than for - hire. Dealers must have the purchaser complete and sign a \" Declaration of Exemption From Snowmobile or All - Terrain Vehicle Registration \" RV-6. Unless you qualify for an exemption from registration , you cannot take delivery from an authorized dealer until after the ATV is registered. If you buy an ATV from a person who is not a New York State registered ATV dealer , you must register the ATV with the DMV. To register the ATV ; you must complete an \" Vehicle Registration / Title Application [1] \" MV-82 and submit it to a motor vehicle issuing office. To register an ATV ; you must provide proofs of ownership, sales tax payment or exemption, your identity, and your date of birth. ", "PROOF OF OWNERSHIP \nAcceptable proof of ownership are : For a new ATV the manufacturer's certificate or statement of origin MCO or MSO , an out - of - state title certificate or registration certificate ; or , For a used ATV a completed \" Certification of Sale or Transfer [2] \" MV-51 plus the MCO or MSO; or, a New York State transferable registration signed over to you by the previous owner. If your ATV has never been registered and you do not have these acceptable documents , you must complete and submit a \" Statement of Ownership [3] \" MV-51B.  PROOF OF SALES TAX PAYMENT \nIf you buy your ATV from a registered New York State dealer , you should receive a bill of sale in addition to the acceptable documents that prove ownership. The bill of sale must contain the dealer's name, address and dealer registration number, plus your name and address, the ATV vehicle identification number, the year, make, model, and number of wheels. The bill of sale also must indicate that the ATV is either new or used, and must confirm that the dealer has collected the appropriate sales tax. If you buy the ATV from a person who is not a registered dealer , you must pay the sales tax at a motor vehicle office. To determine the proper amount of sales tax , the DMV needs proof of what you paid for the ATV. Have the seller sign and give you a Statement of Transaction- Sale or Gift of Motor Vehicle, Trailer, All - Terrain Vehicle ATV, Vessel Boat, or Snowmobile pdf [4] at NY State Department of Tax and Finance DTF-802. You must submit this form to the motor vehicle office, and pay the appropriate sales tax, before registering your ATV : Acceptable documents that prove payment of sales tax are : The dealer's bill of sale showing that the dealer had collected the sales tax ; or A receipt for sales tax payment from the motor vehicle office. ", "PROOF OF IDENTITY AND DATE OF BIRTH \nTo register an ATV , you must provide proof of who you are. You must provide proof of identity, date of birth, and at least six points of proof of name. For the most recent listing of acceptable documents see \" Proofs of Identity For Registration and Title [5] \" ID-82. Documents that automatically qualify as six points are : NY State Photo Driver license or Learner Permit NY State Non - Driver Photo Identification Card  FEES \nThe ATV registration and registration renewal fee is $12.50 per year it is not prorated by month. You also must pay a $12.50 license plate fee when you first register your ATV. You will be issued a plate, a registration sticker and an attached registration document. The plate must be attached to the rear of the ATV , and the sticker should be placed at the right side of the plate. You should carry the registration document when operating your ATV.  INSURANCE \nYou may not operate any ATV anywhere in New York State, except on your own property, unless it is covered by liability insurance. Minimum required coverage is $50,000/$100,000 for death, $25,000/$50,000 for injury, and $10,000 for property damage in any one accident. You must show proof of this insurance upon the request of a judge, the police, or a person claiming to have suffered injury or property damage from your operation of the ATV. ", "CHANGE OF ADDRESS \nIf you move , cross out the old address on your registration document and write in the new one. You also must report your address change to the DMV [6] within 10 days.  THEFT, DESTRUCTION, REMOVAL FROM THE STATE \nIf your ATV has become stolen , you should immediately report the theft to the police. If the ATV is to be, or already has been, destroyed or permanently removed from New York State , you should surrender the plate and registration document to a local motor vehicle office.  OUT-OF-STATE REGISTRATIONS \nNew York State honors valid out - of - state ATV registrations. If your home state does not require ATV registration , you must obtain a New York State registration before operating your ATV in this state.  WHO MAY OPERATE AN ATV \nYou do not need a driver license to operate an ATV in New York State , but certain restrictions apply to operators under age 16. If you are age 10 through age 15 , you may operate an ATV only : Under adult supervision ; or , Without adult supervision on lands owned or leased by your parent or guardian ; or , On any lands where ATV use is permitted , without adult supervision , if you have completed an ATV safety training course approved by the DMV. You should carry your course completion certificate when operating any ATV. If you are under age 10 , you may operate an ATV only : Under adult supervision ; or , Without adult supervision on lands owned or leased by your parent or guardian. Adult Supervision means being accompanied by a person at least 18 years of age, or a person 16 or 17 years of age who holds an ATV safety course completion certificate from an approved safety course provider. ", "SAFETY TRAINING AND INFORMATION \nATV safety training courses approved by the Department of Motor Vehicles are available throughout the state. Telephone 1 - 800 - 887 - 2887 to enroll , or write to : ATV Safety Institute , Enrollment Express , 2 Jenner Street , Suite 150 , Irvine , CA 92618 - 3806 ATV safety information also is available on the internet at www.nyatvsafety.net [7]. Written questions about New York State's ATV or motorcycle safety programs should be addressed through the DMV web site or by mail : NYS DMV Motorcycle Safety Program6 Empire State Plaza , Room 335Albany, New York 12228 The application forms identified in this publication for ATV owners and operators are available at any motor vehicle office or at the DMV web site: dmv.ny.gov [8 ] RESPONSIBILITY OF PARENTS AND OWNERS A parent or guardian may not knowingly permit or authorize his or her child under age 16 to operate an ATV in violation of state or local laws. An ATV owner, or another person in possession of an ATV, may not knowingly permit or authorize any person under age 16 to operate an ATV in violation of any state or local law. Both the owner and the operator of an ATV may be held liable for injury and/or damages resulting from an ATV accident.  WHERE AND WHEN TO DRIVE ACROSS HIGHWAYS \nDMV recommends you avoid crossing a highway unless absolutely necessary. If you cross , you must follow these rules : You must cross at an angle of approximately 90 degrees, at a place where there are no obstructions to prevent a quick, safe crossing. You must come to a complete stop and yield the right - of - way to traffic on the highway before crossing. You may cross a divided highway only where it intersects with another street or highway. You may not cross an interstate highway or any controlled - access highway, such as the Thruway or a parkway at any time. ", "ON HIGHWAYS \nYou may not operate an ATV on a highway unless it has been designated and posted for ATV use by the state or local authority. Usually , only the part of a highway between two off - highway trails will be posted for ATV use. Check with local police to be sure. DMV recommends that you turn your headlight and taillight on and wear bright, reflective clothing whenever you ride on a highway. Always enter the highway with care, and yield to other traffic.  ON PUBLIC LAND \nYou may not operate an ATV on public land unless it is specifically designated for ATV use , and it is allowed by a posted sign.  ON PRIVATE LAND \nTo operate an ATV on private land , you must have permission of the land owner or lessee. If you receive permission , make sure you know the boundaries of the property, and respect any special restrictions or requests of the land owner. You could lose permission to ride on private land by littering, causing damage, or riding carelessly.  REQUIRED EQUIPMENT \nWhether you are the operator or passenger , you must wear a USDOT - approved helmet when riding an ATV. DMV recommends that you also wear a face shield or goggles, and protective clothes and footwear. Your ATV must have the following equipment : Brakes in good condition which is in good operating condition and meets federal standards A muffler A spark arrester approved by the U.S. Forest Service Tires with at least 2/32nds of an inch tread without visible breaks, cuts, exposed cords, bumps or bulges if the ATV is driven at night A lighted white headlight and red taillight The law requires you to keep the ATV's headlight and taillight lighted when riding a half hour after sunset to a half hour before sunrise. For greater safety , DMV recommends you keep the lights on at all times. ", "RIDING RESTRICTIONS \nIn addition to obeying the ATV laws and rules , it is wise to ride your ATV with common sense and courtesy. Having fun on an ATV does not include annoying others or taking foolish risks. ATV riders who ignore the rules and the rights of others may cause ATV operation to be restricted or prohibited on private and public lands.  YOU MAY NEVER OPERATE AN ATV \nOther than while seated on the permanent, regular seat. With a passenger , unless the ATV is designed to carry a passenger. At a speed too fast for existing conditions or potential hazards. In a careless, reckless or negligent manner. While intoxicated or impaired by alcohol or drugs. On the tracks or right - of - way of a railroad. On a highway , if the ATV is equipped with studded tires other than automobile - type studs. In a tree nursery or planting in a manner which damages or destroys growing stock or creates a substantial risk of damage or destruction. Within 100 feet of a dwelling between midnight and 6 A.M. at a speed greater than necessary to keep the ATV moving. While pulling a person on skis, a toboggan, sleigh, sled or trailer, unless the device is attached to the ATV by a tow - bar or other rigid connection. On the ice or public water within 100 feet of a person , fishing shanty or shelter at a speed greater than necessary to keep the ATV moving. Over an area cleared of snow for skating , unless necessary for access to public waters. ", "LOCAL LAWS \nNo locality may require its own ATV licenses or registrations , but it may impose additional restrictions or rules on ATV operation. Find out about special ATV rules in your area, and obey them.  SPECIAL EVENTS \nThe person in charge of an ATV special event or off - road competition must apply to the local jurisdiction for written authorization at least 30 days in advance, unless it is held entirely on private property.  ATV ACCIDENTS \nIf you are involved in an accident with your ATV , you must give your name and address, the name and address of the ATV owner and the plate number to injured persons, the owners of damaged property, and/or the police. You also must show proof of insurance to persons claiming to have suffered injury or damage. If property is damaged, and you cannot locate the owner , you must give the above information to police as soon as possible. You must immediately report to the police any accident that involves death, personal injury or damage estimated at $600 or more to the property of any one person. You must also file a Report of Motor Vehicle Accident MV-104 with the Department of Motor Vehicles about an accident that results in a fatality, personal injury, or property damage estimated at $1,000 or more. You must file the report within 10 days of the accident and send a copy to the county sheriff or police commissioner. If you are incapacitated , the written report may be filed by another party familiar with the accident. The investigating police officer must also file a written report , but that does not relieve you of your legal responsibility to file one. Failure to report an accident is a misdemeanor. A conviction may result in suspension or revocation of your safety training certificate and/or the ATV registration. The Department of Motor Vehicles may suspend your safety training certificate and/or the ATV registration until you file an acceptable written report. Additional information can be found at: Register and title a recreational vehicle snowmobile, boat, moped or ATV [9 ] NEW YORK STATE DEPARTMENT OF MOTOR VEHICLESMark J. F. Schroeder , Commissioner Return to DMV Publications [10 ]", "Escort driver certification[1] \nWhen do I need to have escort driver certification? \nEscort driver certification is mandatory if you escort over - dimensional loads on the highways of New York State 1 you act as a flag person for over - dimensional loads Escort driver certification is not mandatory if you escort an over - dimensional load that is less than the requirement stated in footnote #1 you are a member of the military and escort military convoys you escort state governmental vehicles  What are the qualifications for providing escort services? \nTo qualify as a certified escort driver , you must be 21 years old or older have a valid New York State driver license or valid license in the state or jurisdiction in which you are a resident 2 pass the Escort Driver's Certification Test  How do I get certified as an escort vehicle driver? \nTo get your escort vehicle driver certification go to a DMV office that offers the escort driver certification test complete the Vehicle Escort Driver Application PDF [2] MV-65 take the written test 3 You do not need to make an appointment to take the test. However , the test is not offered in all DMV Offices. Call the DMV office where you plan to take the test to be sure the test is offered at that location. If you have a NY State driver license you must bring it with you when you go to the office to take the test. If you have a driver license issued by another state , you must bring your valid driver license and additional identification with you to the office. See the DMV Document Guide [3] for more information about acceptable additional identification. All information necessary to pass the test is in the Department of Transportation Certified Escort Manual PDF [4]. You should also be familiar with the New York State Driver's Manual [5]. If you pass the test you will be immediately certified to provide escort services for over - dimensional loads. You will be given a 60-day Interim Escort Driver Certificate. Your permanent certificate will be sent by mail. You must have the certificate in your possession when providing escort services. ", "What are the fees? \nThe fee to take the vehicle escort test is $40.00. Checks must be made payable to the Commissioner of Motor Vehicles. There are no additional fees for the initial certification. You may take the written test again if you do not pass. The fee is $40.00 each time you take the test.  When does my escort vehicle certification expire and how to I renew it? \nIf you have a New York State driver license , your Escort Driver Certificate will expire at the same time as your driver license. If you have a driver license from another state , your certificate will be valid for four years from the date it is issued. You will receive a renewal notice in the mail. Follow the instructions in the renewal notice to renew your Escort Driver Certificate. Remember to keep your mailing address current with NY State DMV. If you do not renew your certification within two years of the expiration date , you will be required to retake and pass the written test prior to being recertified.  What should I do if I need to change my address or name? \nIf you have a New York State driver license , you must change your address [6] or name [7] within ten days. The Bus Driver Unit cannot make the changes for you. If you have a license issued by another state , you must notify DMV s Bus Driver Unit in writing within ten days. Send your DMV ID Number Client ID Number located on your escort certificate, former address or name and your new address or name to : New York State Department of Motor VehiclesBus Driver Unit Customer Service Unit 6 Empire State Plaza , Room 136B Albany, NY 12228 ", "What should I do if I need to replace my certificate? \nIf your Vehicle Escort Card is lost, stolen, or destroyed , you may apply for a replacement by writing to DMV. You must send your name, address, and DMV ID Number Client ID Number located on your escort certificate, if available. Send your request and a check or money order for $5 made payable to the Commissioner of Motor Vehicles to : New York State Department of Motor VehiclesBus Driver Unit Customer Service Unit 6 Empire State Plaza , Room 136B Albany, NY 12228  Is my escort vehicle certification still valid if my license is revoked or suspended? \nNo. Your escort certificate is not valid if your driver license or privilege is revoked or suspended in the issuing jurisdiction, or if you have lost your privilege to drive in New York State. Your certification may also be canceled if violate safe escort procedures or Title 17, Part 154 of the NYCRR New York Codes, Rules and Regulations you become physically, mentally or medically unable to drive you provide false or fraudulent information on the application for certification as an escort driver Depending on the nature of the violation , the driver may be subject to fines and penalties.  Does NY State recognize escort vehicle driver certifications issued in other states? \nNo , to legally operate an escort vehicle in NY State , you must have a valid NY State Certified Vehicle Escort Card MV-64. You must carry the MV-64 card with your driver license when you drive an escort vehicle in NY State. These are loads with a width that exceeds 12 feet, and/or length of 80 feet or greater, and/or a height of 14 feet or greater. Also included are loads that have an overhang of the load / vehicle which exceeds the main body of the vehicle by greater than 10 feet. Out of state drivers who do not have current New York State driving privileges are not eligible for escort certification You will receive test forms at the DMV office. Notes, manuals, and other study materials are not permitted. The DMV associate who administers the test is not permitted to discuss questions or offer any assistance. See New York State Vehicle & Traffic Law and/or Title 17 of the New York Codes, Rules and Regulations, Part 154 and/or Title 21 of the New York Codes, Rules and Regulations, Part 102. ", "Do it at the DMV: \nYou must apply for escort driver certification at a DMV Office [8]. Not all DMV offices offer the test. If an office offers the certification test , it will be indicated in \" Office Hours \" area for the office.  Show \"do it online\" button in megamenu: \nTopic: \nMore Info [9 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "Get a copy of a TVB ticket [1] \nOnline \nIf your Traffic Violations Ticket TVB traffic ticket is lost or destroyed , you can print a substitute online. The ticket you are replacing must have the words' Traffic Violations Bureau' at the bottom 1 be an' open' or unpaid ticket 2 You will need the TVB traffic ticket number sample ticket [2], enter all of the other information to determine if the DMV can locate the ticket record and either your DMV ID Number Client ID Number from your New York State driver license, learner permit or non - driver photo ID card see a sample driver license [3 ] or, your full name , date of birth , and gender Get a copy of a TVB ticket online [4 ]  Additional information \nCan I print substitute tickets for all my open TVB tickets? \nYes. Once you provide information for one open TVB traffic ticket , you will be able to print any open TVB traffic ticket you have. You will need to print them one at a time.  Are substitute tickets I print from this transaction the same as tickets printed at a TVB office? \nYes. A substitute ticket that you print from this transaction has exactly the same information as tickets printed at a TVB office.  What can I do if my traffic ticket is not available? \nIf a traffic ticket is not available to print , the transaction will give you instructions on what you can do. Read all messages in the transaction carefully. If the traffic ticket was not answerable to a Traffic Violations Bureau TVB , you cannot use this transaction for the ticket. The TVB does not handle parking violations, criminal driving violations for example, DWI or tickets answerable in a local court. If the ticket has been dismissed , or if there was a conviction and the fines , the fees and the surcharges were all paid , the ticket is a' closed' ticket. ", "Show \"do it online\" button in megamenu: \nTopic: \nTickets [5 ]  show mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "Amend or replace \nTo amend the registration or get a replacement duplicate document for your current Repair & Body Shop , you must submit the Request for Business Amendment / Duplicate Certificate pdf [1] MV-253 G. Mail it to NYS DMV Bureau of Consumer & Facility Services Application Unit P.O. Box 2700 Albany , NY 12220 - 0700 You will receive a replacement document in the mail in approximately 5 to 7 business days. We cannot fax a copy to you. \n\nChange of address \nTo report a change of address for your business , you must complete a Statement of Ownership and/or Permission to Use Place of Business pdf [2] VS-19. You can also call the DMV Office of Vehicle Safety and Clean Air at 1 - 518 - 474 - 4653 to get the form, or call 1 - 518 - 474 - 0919 to get more information. It will take 6 to 8 weeks for us to process your application. \n\nCertificate of Occupancy \nRepair shops must also provide a Certificate of Occupancy, local license or town letter as proof of zoning approval. If the new location was previously registered as a repair shop , please provide the Facility number or name of that shop. This may be accepted as proof of zoning. If you also have an Inspection Station License , please see Inspection Station Cap Information [3].", "Get email and/or text reminders[1] \nAbout \nYou can sign up to get email and/or text reminders before your driver license , non - driver ID card, registration or vehicle inspection expires. DMV will also enroll you after you complete an online registration renewal transaction as part of a new initiative to save taxpayers more than $500,000 per year [2]. You can update your subscription at any time. Commercial driver license CDL and commercial learner permit CLP holders can also sign up to get email and/or text reminders regarding the status of their medical certifications [3] and medical variances [4]. If your driver license, non - driver ID, registration, inspection, medical certification or medical variance is close to expiring when you sign up , you may not get electronic reminders until the next time it s due. Sign up to get email and/or text reminders online [5 ]  I received an email from the New York State DMV messages @nydmv.messagingchannel.com about an enhancement to the Electronic Reminder program. Is this real? \nYes , it is. You received the email from mess[email protected] because you are in the DMV Electronic Reminders program. Please do not write to this email address. You will not receive a response. If you need to , see how to contact us [6].  How do I know if I can get reminders? \nTo get registration renewal and inspection reminders , you must be the primary registrant first name listed on a registration, if the vehicle is registered to more than one person. You won t get reminders if your registration is not eligible to renew for example, you can t renew if the registration is suspended or revoked. ", "Will the email address I use to sign up replace any other email addresses I previously provided the DMV? \nYes. The DMV only keeps one email address for each customer. The email address you provide to sign up for electronic reminders will replace any other email address you provided us in the past.  How can I stay enrolled but still receive paper registration renewal reminders? \nYou can update your electronic reminders subscription to receive email and/or text reminders as well as paper reminders [7] by mail for your vehicle registrations. If your vehicle registration is due to expire within the next 75 days , you will probably not receive a paper reminder.  How can I unsubscribe? \nIf you want to stop receiving email and/or text reminders , select the' unsubscribe' on the Subscription Page [8] and enter your ID number and date of birth on the unsubscribe page.  Show \"do it online\" button in megamenu: \nTopic: \nMore Info [9 ]  show mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "File a Freedom of Information Law (FOIL) request[1] \nWhat is FOIL? \nThe NY State Freedom of Information Law provides access to state and local government records. See the Committee on Open Government [2] for more information.  Do I need to use FOIL? \nMany DMV records are available using the Request for DMV Records PDF [3] MV-15. Check the MV-15 form carefully before you submit a FOIL request for DMV records. If you use the MV-15 , you will often receive records sooner than if you submitted a FOIL request.  What DMV Records may I request under FOIL? \nYou may request any DMV records under FOIL. However , certain records or parts of records can be withheld under Section 87 of the NY State Public Officers Law. When you request DMV records under FOIL , DMV will send you a letter within 5 business days after we receive your request. This letter will tell you your request was received .. In most cases , the records will be made available within 20 business days from the date of the acknowledgment letter. In some cases , it may take longer than 20 business days to produce records under FOIL. If the DMV cannot provide your records within 20 business days , we will tell you the date the records will be available. See the DMV Subject Matter List of Records [4].  How do I make a FOIL request? \nStep 1: Determine if you need to request under FOIL \nRead the Request for DMV Records PDF [3] MV-15 to determine if the records are available without a request under the FOIL. If the record you are requesting is available by using the MV-15 , doing so may allow you to receive your records more quickly than filing a FOIL request. ", "Step 2: Make your request in writing \nIf you decide that you are eligible to request the records under FOIL , you must make your FOIL request in writing. To make a request under FOIL do one of the following complete the Freedom of Information Law Request Form PDF [5] MV - FOIL write a letter that describes the records you seek. Make sure you include your mailing address or email address. This will allow the DMV to send the records to you.  Step 3: Submit your request \nIf the records you are requesting include personal information , please also include a photocopy of your driver license or other government issued photo ID card. If you wish , you may black out the picture. You must identify your permissible use for the record you are requesting. Permissible uses are listed on Page 2 of the MV-15FOIL.  Mail \nYour request , form or letter to Records Access OfficerNew York State Department of Motor VehiclesFOIL Office6 Empire State Plaza, Room 136BAlbany, NY 12228  Email \nRead and complete the Freedom of Information Law Request Form PDF [5] MV - FOIL. Attach the completed form to your email request. Email your request to [email protected] [6 ] Email with your request to [email protected] [6]. In your message , include your name and mailing address or email address. Attach a copy of your government issued photo ID, if required.  When will I get a response? \nThe FOIL office will respond to your request within 5 business days of receiving the request. We will either provide you with the record requested or acknowledge receipt of your request. We will also provide a time frame for when you can expect to receive the record you requested. ", "Is there a fee for records I request under FOIL? \nYes. The law authorizes us to charge a $10.00 search fee to determine if the records you requested are available. Your payment of the search fee does not guarantee that you will receive the records that you requested. We cannot refund the search fee. We will tell you if the records that you requested are available or not available. If the records are available and you want paper copies , we charge a copy fee of $1.00 for each page. A page is a single sheet of paper, whether one - sided or two - sided. You may pay the fees by credit card, or by a check or money order made payable to Commissioner of Motor Vehicles. The FOIL office will not release the record you have requested until payment has been received in full. When searches are being performed for a public purpose by certain individuals or organizations , they are exempt from paying search fees. The ONLY individuals or organizations this applies to are : government agencies volunteer fire companies volunteer ambulance services public officers , boards , or bodies legal aid bureaus or societies or other private entities when acting pursuant to Section 722 of the New York State County Law  When and where can I inspect copies of DMV records? \nRecords rarely can be produced on the same day that they are requested. Most DMV records are available within twenty 20 business days of the FOIL Office's written acknowledgment of your request. If a phone number was provided with your request , the FOIL office will call you when your records are ready to be inspected. Otherwise you will be notified by mail. When the records you requested are ready to be inspected , you will need to come to the Customer Service CounterRoom 136Swan Street BuildingEmpire State PlazaAlbany , NY 12228 ", "Can I appeal DMV s response to my FOIL request? \nYes. If DMV has denied your request for a record in whole or in part , you may appeal the denial. You must do so in writing within thirty 30 days of the date of denial of your FOIL request. Your FOIL appeal must identify the date of your record request and a description of the records that were denied. You should complete the FOIL Appeal Form PDF [7] AA-33FI and mail it to : Department of Motor VehiclesFOIL Appeals OfficerP.O. Box 2935Albany , New York 12220 - 0935  Do it by mail: \nYou can make your FOIL request in writing to the DMV FOIL Office. Use the Freedom of Information Law Request Form MV - FOIL [5] or write a letter. Send the form or letter to Records Access OfficerNew York State Department of Motor VehiclesFOIL Office6 Empire State Plaza, Room 136BAlbany, NY 12228  Show \"do it online\" button in megamenu: \nTopic: \nDMV Records [8 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "What is the Driver Violation Point System and how does it work? \nThe Driver Violation Point System gives the New York State DMV a way to identify and take action against high risk drivers. The DMV assigns points for certain traffic violations. If you get 11 points in an 18-month period , your driver license may be suspended. 1 However , the point system is not the only way to lose your license see Suspensions and Revocations [1].  How your point total is calculated \nyou must be convicted of the traffic violation before points are added to your driving record your point total is calculated based on the date of the violation, not the date of the conviction the points for violations that all occurred within the last 18 months are added to calculate your point total 2  Number of points assigned for common traffic violations \nPoints are not assigned for the following violations \nany bicycle violation any pedestrian violation any parking violation any violation related to unregistered, unlicensed or uninsured operation any violation related to motor vehicle inspection, vehicle weights or dimensions or vehicle equipment other than inadequate service brakes any violation related to a business or the sale of goods established in the Vehicle and Traffic Law or any local law a violation related to the improper use of High Occupancy Vehicle Lanes in Suffolk County, between exits 49 and 57 of the Long Island Expressway any other violation not resulting from the operation of a motor vehicle ", "Driver Responsibility Assessment \nIf you receive 6 or more points on your New York State driving record in 18 months , you must pay a Driver Responsibility Assessment fee [2].  Out-of-state convictions \nIf you are convicted of a traffic violation in another state or country , points are not added to your New York State driving record, unless the violation occurred in Ontario or Quebec. New York State has a reciprocal agreement with Quebec and Ontario. Traffic violation convictions that occur in these provinces are recorded on your New York State driver record , and the convictions have the same effect and carry the same points as convictions that occur in New York State. This can affect your driver violation point total and Driver Responsibility Assessment.  Insurance Premiums \nInsurance companies have their own point systems and can increase your premiums based on your driving record. Contact your insurance company for more information.  Point and Insurance Reduction Program \nTaking a DMV - approved Point and Insurance Reduction Program PIRP course will help to prevent you from losing your license in the event you accrued 11 or more points on your driving record 4 points are' subtracted' for the purposes of a suspension if you have 11 or more points the tickets / pointsphysically come off your driving record save 10 percent on your automobile liability and collision insurance premiums Learn more about the PIRP course [3].  Check My Points \nYou use the MyDMV' My License, Permit or ID' service to check your points. You will need the ID number and document number from your New York State driver license , learner permit , or Non - Driver ID Check my points through MyDMV [4] [4 ] If you claim that someone else committed a violation on your record , you can request a hearing. But you cannot request a DMV hearing to prove that you were not guilty of the violations. Once 18 months have passed from the violation date , the points for that violation no longer count toward your total. However , the points remain on your driving record as long as the conviction remains on your record and may be used by your insurance company to increase premiums.", "What happens if I get a traffic ticket in another state? \nMoving violations \nYour NY State Driver License will be suspended if you fail to answer a ticket for a moving violation in any state except Alaska, California, Michigan, Montana, Oregon or Wisconsin. Your license will remain suspended until you answer the ticket. Drivers from any state, except those from the six states listed above, will have their driver licenses suspended in their own state for failure to answer a moving violation in New York State. The New York State DMV does not record out - of - state convictions of moving traffic violations of New York State non - commercial licensed drivers, except for traffic offenses committed in the provinces of Ontario and Quebec in Canada.  Alcohol and drug violations \nIf you are 21 or older \nIf you are 21 years of age or older when you commit an alcohol or drug related driving violation in any other state or the provinces of Ontario and Quebec in Canada and you are convicted of the violation , your New York State driver license will be revoked for at least 90 days. Out - of - state drivers ticketed in New York State should contact the Motor Vehicle Department of their own state or province about the effect of a conviction in New York State.  If you are under 21 \nIf you are under the age of 21 when you commit an alcohol or drug related driving violation that occurs out - of - state and you are convicted of the violation , your New York State driver license will be revoked for at least one year. If you have any prior alcohol or drug related driving conviction , your license will be revoked for at least one year or until the age of 21, whichever is longer. ", "Convictions for criminal negligence, homicide or assault \nThe New York State DMV records the out - of - state convictions of any New York driver for criminal negligence, homicide, or assault, which arise out of the operation of a motor vehicle and which results in death. As a result of any of these convictions , your NY State Driver License will be revoked.", "Get a motorcycle license [1] \nA New York State resident must have a Class M or Class MJ driver license or learner permit to drive a motorcycle. To get a motorcycle license , you must first get a motorcycle learner permit. IMPORTANT : DMV offers 3 types of documents. Learn about Enhanced, REAL ID and Standard documents [2].  How to get a motorcycle license \nStep 1: Apply for a motorcycle permit at a DMV office \nHere is what do study the NY State Motorcycle Operator's Manual [3] MV-21MC to prepare for the written test you have the documents and proofs of identification you need complete the DMV Document Guide to make sure Find your proofs [4 ] if you already have a New York State learner permit or driver license , bring the document bring payment for the $10.00 application fee and the motorcycle license fee 1  Step 2: Prepare for the motorcycle road test \nBefore you schedule your road test , we recommend that you have at least 30 hours of practice on a motorcycle, with or without formal instruction. We also recommend that you have at least 10 hours of practice in medium to high volume traffic consider taking the New York State Motorcycle Safety Program Basic Rider Course [5] or instruction from a commercial driving school When you practice driving with a motorcycle learner permit you must be supervised by a driver age 21 or older who has a valid motorcycle license from any state the motorcycle driver who supervises you must be within 1/4 mile of you at all times you must obey the general restrictions [6] for permit holders [6 ] if you have a Class MJ permit , you must obey the restrictions and requirements for drivers under age 18 [7 ] ", "Step 3: Schedule and take a motorcycle road test \nSee Schedule and take a road test [8]. if you do not already have another class of New York State driver license , you must complete a pre - licensing course or a Driver Education course before you can schedule a road test 2 if you already have another class of New York State license , you do not need a pre - licensing course or Student Certificate of Completion  Step 4: Get your motorcycle license \nIf you pass the road test , the examiner will issue a temporary motorcycle license to you. if you do not have another class of New York State driver license , you will receive your motorcycle license with your photo by mail about 2 weeks after your road test you do not have to visit a DMV office if you already have another class of New York State driver license , wait at least 7 days after your road test to apply for your motorcycle license at a DMV office, and be sure to complete an Application for Permit, Driver License or Non - Driver ID Card PDF [9] MV-44 mark the \" Change \" box at the top, and write in Add Class M or MJ \" in the \" Other Change \" box bring your temporary motorcycle license, your motorcycle permit and your current photo license pay the $12.50 fee to amend your driver license Both driver license classes will be listed on your new document for example, Class DM. Your new license expires on the same date as your previous one. The DMV office will issue a temporary license without a photo to you. Allow two weeks to receive your new license by mail. ", "Additional information \nCan I get the motorcycle road test waived? \nWe can waive the test if you are qualified and you complete an approved course. To get information about approved courses in your area , visit the New York State Motorcycle Safety Program website [5] or call toll - free at 1 - 800 - 446 - 9227. To qualify for the waiver you must be 16 years of age or older have a valid NY State license Class A, B, C, D, DJ or E have a valid class M or MJ motorcycle learner permit present either a Basic Rider Course BRC or a Basic Rider Course 2 License / Waiver BRC2-LW Course completion card issued by the NY State Motorcycle Safety Foundation within two years of completing the course You cannot get a waiver for a motorcycle road test if you completed a rider course given in another state. There are waivers available in some cases for members of the U.S. Armed Forces.  Can I drive in New York with an out-of-state motorcycle license? \nIf you have a valid motorcycle license issued by another state where you are a resident , you can drive motorcycles in New York State.  Can I exchange an out-of-state motorcycle license for a New York motorcycle license? \nIf you become a resident of New York State , you should exchange your out - of - state motorcycle license for a New York State motorcycle license. See Exchange an out - of - state driver license [10]. ", "Where can I learn more about motorcycle safety? \nMotorcycle safety information is available from the New York State Governor s Traffic Safety Committee [11]. The fees you pay when you get your first motorcycle license depend on whether or not you currently have another class of NYS driver license and your exact age when you apply. The fees for a Class M or MJ driver license, or to add class M or MJ to your current driver license, can range from $21 to $120 , but we cannot calculate your exact fee until you apply. A Pre - licensing Course Certificate MV-278 is valid for one year. A Student Certificate of Completion MV-285 is valid for two years. See Prepare for your road test [12] for more information about these certificates. A member of the US Armed Forces who completes the MSF Basic Rider Course BRC through the military while on active duty outside of New York State can qualify to have their military BRC converted into a NY BRC and receive the road test waiver. See the instructions on the website of the New York State Motorcycle Safety Program [13] or call 1 - 518 - 384 - 0045.  Show \"do it online\" button in megamenu: \nTopic: \nDriver License [14 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "Register a vehicle \nRegister and title a passenger or commerical car, truck or SUV \nYou or your business must register and title at a DMV office any vehicle you own or lease. Registrations don t need to be in the owner's name, or for only one person. Auto dealers can register and title vehicles, and issue plates and charge a fee for this.  Step 1: Get your vehicle insured \nYou must register your vehicle at the DMV within 180 days of the effective date on your insurance ID card.  Step 2: Bring required documents to the DMV \nWhat you need to register \nComplete DMV s Document Guide to make sure you have the correct proofs of identification and other documents before you come to a DMV office.  Summary of what you need \nthe original title or other proof of ownership 2 the current NY State Insurance ID card auto liability insurance 3 the bill of sale and proof of sales tax payment / sales tax form 4 your NY State driver license , permit , non - driver ID , or other proof of identity 5 payment for fees and taxes or proof of an exemption a Vehicle Registration Application PDF MV-82 If you register for a business or organization , also bring proof of incorporation. For quicker service , make a reservation online before visiting offices in New York City, Westchester, Nassau, Suffolk, Rockland, Onondaga, Monroe or Albany Counties. For all other counties , see our office locations and hours. ", "Step 3: Get these documents from the DMV \nWe will give or mail within 1 - 2 weeks these documents when you register 1 or 2 vehicle plates unless you transfer a registration from another vehicle registered in New York registration window sticker registration document 10-day inspection extension sticker if you did not get the vehicle from a New York State auto dealer 7 If applicable , we will also send you a new title certificate 90 days.  Step 4: Get your vehicle inspected \nAll vehicles registered in New York State must get a safety inspection at a DMV - licensed inspection station every 12 months when the of the vehicle is transferred Learn more about inspection requirements.  Fees \nThe fees depend on the vehicle weight and where you live. First - time registration fees normally include the sales tax a vehicle plate fee or registration transfer fee a title certificate fee in most counties a vehicle use tax either a 1 or 2 year registration fee , depending on the type of registration You can estimate the registration fees you will need to pay.  Payment types \nWe accept cash most credit, pinless debit or prepaid cards American Express, Discover Card / Novus, MasterCard, VISA a personal check or a money order payable to You can split your payment between cash and check if you need.  Additional information \nMore help \nSee Instructions Vehicle Registration / Titling Application PDF MV-82.1. For specific information about registering various types of vehicles , refer to the webpages listed on this page. ", "You do not need to be United States resident to register a vehicle in New York \nAs long as you meet the registration requirements , you can register a vehicle here.  About Vehicle Identification Numbers (VINS) on vehicles or motorcycles \nIn an effort to protect consumers , the DMV would like to inform you about New York State laws pertaining to vehicle identification numbers also called VINs.  California emissions standards \nMost vehicles mustcomply with California emission standards.  Sharing registration information \nRead more about sharing your information.  Didn't find what you were looking for? \nFind other information about vehicle registrations. Your insurance company will: 1) give you 2 barcoded original NY State Insurance ID cards (see a sample) or provide you with access to your digital electronic NY State Insurance ID Card 2) send an electronic notice of insurance coverage to the DMV (your insurance agent or broker cannot file this notice) Your NY State Insurance ID cards and the electronic notice together verify your coverage. We need both. You must register your vehicle within 180 days of the effective date on your Insurance ID Card. Bring one copy or form of your Insurance ID Card with you. The DMV office will keep the paper card. Keep the other paper card with the vehicle as your proof of insurance. Anyone operating your vehicle must be able to provide proof of insurance. Learn more about NY State Insurance Requirements. Cars , trucks , trailers & motorcycles Model year1973 or newer , either NY State Certificate of Title original or certified copy, not a photocopy with the transfer ownership section completed by the seller , or acceptable proof of ownership from another state original or certified copy, not a photocopy Model year 1972 or older , either a NY State Transferable Registration original or certified copy, not a photocopy and bill of sale , or acceptable proof of ownership from another state original or certified copy, not a photocopy See acceptable proofs for other vehicles manufactured homes, boats, ATVs, snowmobiles, gifted vehicles, vehicles with deceased owners. Your insurance company will: 1) give you 2 barcoded original NY State Insurance ID cards (see a sample) or provide you with access to your digital electronic NY State Insurance ID Card 2) send an electronic notice of insurance coverage to the DMV (your insurance agent or broker cannot file this notice) Your NY State Insurance ID cards and the electronic notice together verify your coverage. We need both. You must register your vehicle within 180 days of the effective date on your Insurance ID Card. Bring one copy or form of your Insurance ID Card with you. The DMV office will keep the paper card. Keep the other paper card with the vehicle as your proof of insurance. Anyone operating your vehicle must be able to provide proof of insurance. Learn more about NY State Insurance Requirements. Bill of sale You can use the Vehicle Bill of Sale PDF MV-912 form, or create one that includes the vehicle year and make vehicle ID number VIN or hull ID HIN date of the sale purchase price names and signatures of buyer and seller Make copies for your records. Give the original bill to DMV. A bill of sale is not an acceptable without other proofs of ownership. You need a bill of sale even if got the vehicle as a gift. Sales tax payment If you bought your vehicle from another person in a private sale , both you the buyer and the seller must complete the at NY State Department of Tax and Finance DTF-802. The DMV calculates the tax and issues a payment receipt. If you werenot a resident of New York when you purchased the vehicle , use Claim for Sales and Use Tax Exemption Title / Registration Motor Vehicle, Trailer, All - Terrain Vehicle ATV, Vessel Boat, or Snowmobile {Sales Tax Form} PDF at NY State Department of Tax & Finance DTF-803 to receive a non - resident exemption from NY State sales tax. The DTF-803 defines \" non - resident \" and \" resident \". You must provide proof of identity and date of birth. You must be at least 16 years old except for ATV and boat registrations. You can use a New York State driver license learner permit , or non - driver ID card that is current or expired less than 2 years as proof of identity and age . If you don t have one of these, see other kinds of proof you can use. See Instructions for Vehicle Registration / Title Application PDF MV-82.1. The extension sticker allows you 10 days from the registration date to get the vehicle inspected in New York. Any New York State or out - of - state inspection issued to the previous registrant is not valid after the vehicle is registered to you. You must get the vehicle inspected. ", "Show \"do it online\" button in megamenu: \nTopic: \nRegistration  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "Surrender IRP registration and plates[1] \nTo surrender an IRP registration because you do not wish to renew the registration , send the apportioned plates and the cab card to the address below. If you wish to renew at a later time and do not surrender your apportioned plates , you will be charged a registration fee for the entire year.  Surrender an IRP registration by mail \nTo surrender the IRP registration and delete the vehicle from your fleet 1 complete and sign the Schedule A & C pdf [2] IRP-6. In Part 1 , , check DELETE VEHICLE and complete the sections of the form and Part 2 , the Deletion section send the apportioned plates and the cab card with Schedule A & C pdf [2] IRP-6  Send the surrendered items to \nInternational Registration BureauPO Box 2850 ESPAlbany , NY 12220 - 0850  Surrender an IRP registration at the Customer Service Counter in Albany \nTo surrender the IRP registration and delete the vehicle from your fleet 2 complete and sign form Schedule A & C pdf [2]. In Part 1 , , check DELETE VEHICLE and complete the Carrier and Fleet Information sections of the form and Part 2 , the Deletion section bring the completed Schedule A & C pdf [2], the apportioned plates, and the cab card to Customer Service CounterRoom 136Swan Street BuildingEmpire State PlazaAlbany , NY 12228  How do I get a refund of IRP registration fees I paid to NY State? \nYou may qualify for a refund of IRP registration fees you paid to NY State if you surrender the apportioned plates to the NY State IRB and any of these listed conditions occurred the NY State IRB made an error and the error is on your invoice you paid duplicate apportioned registration fees for the same vehicle or vehicles you paid standard registration renewal fees in error after you changed to an IRP registration you can provide proof that the last date of operation of a vehicle occurred before the effective date of the IRP registration 3 To request a refund, complete Request for Refund pdf [3] MV-215, and send it to IRB office. DMV must subtract a $5.00 processing fee from the refund amount , and the minimum amount of a refund is $1.00. You can request a refund only of IRP registration fees under the conditions listed above. You cannot get a refund of cab card fees, vehicle plate fees, or IRP Temporary Authority fees. ", "How do I get a refund of the NY State portion of the IRP registration fees I paid to other jurisdictions? \nYou may request a refund of the NY State portion of an IRP registration fee paid to another jurisdiction only if the other jurisdiction made an error and the error is on your invoice you paid duplicate apportioned registration fees for the same vehicle or vehicles IRB must receive written verification from the other jurisdiction. The verification must include the registered weight of the vehicle, the apportioned mileage percentage, the fee paid to New York State and the reason a refund is requested. If any apportioned plates are lost or stolen , get a completed form Report of Lost or Stolen Motor Vehicle Items MV-78B from a police agency and send form MV-78B with form IRP-6 Surrender the apportioned plates only if no vehicle will replace the current vehicle. If any apportioned plates are lost or stolen , get a completed form Report of Lost or Stolen Motor Vehicle Items MV-78B from a police agency and send form MV-78B with form IRP-6 Surrender the apportioned plates only if no vehicle will replace the current vehicle. You must return the unused cab card, sticker and apportioned plates within 60 days after you received them original or within 60 days of the effective date of registration renewal  Do it by phone: \nYou can't surrender your IPR registration by phone. You can call the IRB with questions at 1 - 518 - 473 - 5834. ", "Do it by mail: \nYou can surrender your IRP registration by mail. Follow the instructions on this page and Schedule A&C [2] IRP-6.  Do it at the DMV: \nYou can surrender an IRP registration at the Customer Service CounterRoom 136Swan Street BuildingEmpire State PlazaAlbany , NY 12228 You can't surrender an IRP registration at a DMV local office.  Show \"do it online\" button in megamenu: \nTopic: \nMotor Carriers [4 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?:", "About Private Service Bureau Licenses[1] \nA Private Service Bureau PSB license is required of any person, firm, association or corporation engaged in the business of assisting for hire in securing licenses to drive motor vehicles, registrations, or titles of motor vehicles.  How to Apply \nRequest Name Approval \nBefore you can apply for a license to operate a PSB , you must first submit a Name Selection Form for PSB Applicants [2] PSB-3 and receive approval from the DMV. To avoid public confusion , a name that includes \" DMV \" or \" Motor Vehicles \" will not be approved.  Application Requirements \nTo apply for a license to operate a PSB , you must submit to the NY State DMV your form PSB-3 that shows your PSB name was approved by the DMV see above a photocopy of a valid NY State driver license or non - driver photo ID card for the business owner and all employees of the PSB a completed Application for a License to Operate a Private Service Bureau or Open a Branch Office [3] MV-372 a completed Personal History [4] MV-521.1 for each owner, partner, corporate officer, agent, employee and major stockholder 20% or more of stock listed on Form MV-372 a copy of the receipt provided to clients as required by Section 77.5 of the Regulations of the Commissioner of Motor Vehicles. See Sample Receipt Form [5] PSB-2. if you do not have employees , you must submit a completed Form CE-200 Certificate of Attestation of Exemption from NY State Workers Compensation available from the NY State Worker's Compensation Board [6]. This form is to show a government agency that NY State Workers Compensation insurance is not required. if you have employees , you must submit your proof of current Workers Compensation and Disability Insurance Coverage a Business Certificate X-201 , a Business Certificate for Partnerships X-74 or NY State Department of State Filing Receipt DOS-1025 the application fee of $25.00 non - refundable. Make checks payable to Commissioner of Motor Vehicles. Send all required items to : NYS Department of Motor VehiclesPartnering Programs , Room 3226 Empire State PlazaAlbany, NY 12228 ", "What to expect after you apply \nAfter your application is reviewed by the DMV in Albany , it is sent to your local Motor Vehicle office. The local office schedules an inspection. When the inspector visits your location , the inspector can ask you to provide the following for review the original lease the original business certificate and/or corporate papers and/or filing receipt a sample customer receipt a permanent , bound book a filing cabinet your proof of Workers Compensation Insurance if required three character reference letters.  Renew your PSB License \nA PSB license expires every two years on June 30. Use Application for Private Service Bureau License Renewal [7] MV372R to apply to renew your PSB license. If you have any questions , call 1 - 518 - 473 - 6586.  Show \"do it online\" button in megamenu: \nTopic: \nMore Info [8 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?:", "You must apply for a conditional or restricted use license in person at a DMV office. You can do this at most, but not all, Motor Vehicles offices. Contact your nearest office [1] to find out where you can apply. \n\nConditional \nThe 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. The driver must attend a Impaired Driver Program IDP [2] previously known as Drinking Driving Program DDP approved by the DMV. \n\nRestricted use \nThe 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. \n\nDrivers from other states \nIf you have a driver license issued in another state, and you meet the other requirements , 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.", "Get a learner permit[1] \nGetting a permit is the first step to get your driver license. Most people apply for a Class' D - Operator' permit. 1 You must be 16 or older and must apply in person at a DMV office. Here are the steps you need to take :  Step 1: Be prepared to take the written permit test \nstudy the NY State Driver's Manual and take the practice tests [2 ] class D and M permit tests are given in 14 languages: English, Albanian, Arabic, Bosnian, Chinese, French, Greek, Hebrew, Italian, Japanese, Korean, Polish, Russian and Spanish to pass , you must get at least 14 of the 20 multiple - choice questions correct this includes the correct answers to at least two of the four questions about road signs if you are applying for a motorcycle permit [3], you must get at least three out of the five motorcycle questions correct  Step 2: Know what to bring to the DMV \ncomplete this guide to make sure you have the documents and proofs of identification you need BEFORE going to the DMV Find your proofs [4 ] Bringing a parent or guardian is required if you are using the \" Statement of Identity and/or Residence by Parent / Guardian PDF [5] \" MV-45.  Step 3: Go to the DMV \nfind an office location [6] and see if a reservation is necessary for written test apply and pay for your permit use the fee chart to estimate your cost [7 ] take your written test if you fail, you can try again at no additional cost For quicker service , make a reservation online before visiting offices in New York City, Westchester, Nassau, Suffolk, Rockland, Onondaga, Monroe or Albany Counties. For all other counties , see our office locations and hours [6]. Make a Reservation [8 ] ", "Step 4: Wait up to 2 weeks for your permit to come in the mail \nyour permit will be valid for approximately 5 years the exact expiration date depends on your date of birth and the date that you applied once you have your permit , you can move onto Step 5.  Step 5: Prepare for your road test \nyou must have supervised driving practice 2 you must take a pre - licensing course or a driver education course before you take your road test learn how to find a pre - licensing course and prepare for your road test [9 ] you will need to follow all learner permit restrictions [10 ] If you are under age 18 , you must wait at least 6 months from the date you received your learner permit to schedule your road test.  Step 6: Take your road test \nbefore your permit expires take your road test you renew a permit [11 ] schedule & take a road test [12 ] if you pass your test , the examiner will give you an interim license that allows you to drive keep the interim license with your photo permit until your new license arrives in the mail in about 2 weeks if you fail , start again at Step 5  Still haven't found what you are looking for? \nSee a list of learner permit topics [13]. There are special requirements to apply for a motorcycle permit / license [3], a commercial learner permit [14], a taxi license [15], or enhanced permit [16]. 2 . if you are under 18, a Certification of Supervised Driving PDF [17] MV-262 completed by your parent or guardian. ", "Show \"do it online\" button in megamenu: \nTopic: \nDriver License [18 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "Open an inspection station[1] \nImportant \nIf you would like to apply to have an official public emissions inspection station you may be subject to the Public Emissions Inspection State Cap. Please read Inspection Station Cap Information [2] before you apply. To become a licensed Inspection Station by the Department of Motor Vehicles DMV in New York State consult the DMV Commissioner s Motor Vehicle Inspection Regulations pdf [3] CR-79 download and read Facility Requirements Inspection Stations pdf [4] VS-143 submit the Original Facility Application pdf [5] VS-1 with all required documentation If you are applying to be a Public Inspection Station you must also have a registered repair shop at that location. See Open a Repair Shop or Body Shop [6] for further requirements. You can also call the Office of Vehicle Safety and Clean Air at 1 - 518 - 474 - 4653 to get the forms, or call 1 - 518 - 474 - 0919 to get more information.  How to apply \nYou must submit Original Facility Application pdf [5] VS-1 that you have permission to use the property at the business location notarized statement from property owner, lease may be contingent on facility approval, sub - lease with primary lease, mortgage, deed or receipted tax bill proof your Sales Tax ID number and a copy of your Sales Tax Certificate of Authority found on the Department of Tax and Finance website [7] you may need a FEIN from the IRS [8] before this step proof of Workers Compensation Insurance [9] for your employees if you do not have employees, indicate that on the application You can visit the NY State Workers Compensation Board website [9] for instructions on this process a photocopy of the driver license or other government issued photo ID for everyone listed on the application a receipt for your purchase of the inspection station sign 1 all required fees , via a check payable to the Commissioner of Motor Vehicles Note: you may need to submit a separate check for MV-50 fees if also applying to be a dealer a Filing Receipt found on the NY State Department of State website [10] Corporation or LLC or a Business Certificate from the County Clerk individual using assumed name or partnership any additional requirements if you are also applying to be a repair shop required for public inspection stations. See Open a Repair Shop or Body Shop [6]. ", "Certificate of Authority \nIf you do not have your Certificate of Authority yet , do not submit an application with DMV yet! The Certificate of Authority and Sales Tax ID number are issued by the New York State Department of Taxation and Finance DTF. You may apply by visiting the NY State DTF website [7]. Be sure to record your Sales Tax ID on the Original Facility Application.  Proof of Business Name \nIf you do not have your Proof of Business Name yet , do not submit an application with DMV yet! Corporations and LLCs : You must submit a copy of your Filing Receipt from the Department of State. Instructions to file can be found on the NY State Department of State website [10]. Partnerships and Individuals Using an Assumed Name : You must submit a copy of your Business Certificate of Assumed Name. Contact your county clerk to obtain your business certificate.  Proof of Workers Compensation Insurance \nIf you do not have your proof of Workers Compensation Insurance yet , do not submit an application with DMV yet! If you have any employees, such as a certified Inspector family included , you must submit proof of Workers Compensation Insurance. You can visit the NY State Workers Compensation Board website [9] for instructions on this process. If you do not have any employees , indicate that on your application. More Workers Compensation Insurance Information [11].  Send by mail \nYou must submit a hard copy of your application, associated documents and fee to this address NYS DMV Bureau of Consumer & Facility Services Application Unit P.O. Box 2700 Albany , NY 12220 - 0700 DMV's Vehicle Safety s Application Processing Unit will contact you. Once your application is reviewed for completeness at our Albany office , it will be sent to a regional office for review. The regional office will contact you to schedule an on - site investigation. ", "On-site investigation \nWhen the automotive facilities inspector AFI arrives to inspect your facility , they will be checking that you have the following items permanently mounted signs visible from the street the AFI will deny your application if the signs are not clearly visible proof of identification for everyone named on the application driver license or other government issued photo ID In addition to the items listed above , the AFI will be examine your location for these characteristics a mailbox at the business address dedicated to your business only mailboxes shared with other businesses or entities are not acceptable a method of locking security items locking cabinet, safe, etc. heat , electricity , desk and chairs a business phone cell phone is acceptable sufficient space to perform inspections. See Motor Vehicle Inspection Regulations pdf [3] CR-79.9 for specific requirements. tools required to perform inspections for the inspection groups you are applying for. See Motor Vehicle Inspection Regulations pdf [3] CR-79.9 for specific requirements. the name and ID number of the certified inspector 2 If approved , you will be issued a license once you have purchased the Computerized Vehicle Inspection System for those stations inspecting group 1a vehicles.  Computerized Vehicle Inspection System (CVIS) \nOnly stations that inspect group 1a vehicles are required to have a CVIS. Opus Inspection is the current vendor providing the equipment to New York State inspection stations. To sign the station agreement and order equipment visit www.nyvip.org [12] For additional information Opus Inspection can be reached at 866 623 - 8378. ", "Official inspection station sign \nDMV does not provide official inspection station signs. You may purchase these signs from various sign shops and automotive supply stores. Your sign requirements will differ based on the types of vehicles you will be inspecting. See Motor Vehicle Inspection Regulations pdf [3] CR-79 79.13 for specific requirements. It may be beneficial to have your certified inspector present so that they can review procedures and any questions they may have with the Automotive Facilities Inspector.  Do it by mail: \nSend your completed application, a copy of your Sales Tax Certificate of Authority and all fees to NYSDMV Bureau of Consumer and Facility ServicesApplication UnitP.O. Box 2700 Albany , NY 12220 - 0700  Show \"do it online\" button in megamenu: \nTopic: \nInspection [13 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "Smart Shopping for Auto RepairsYou can help avoid trouble with an unreliable or dishonest repair shop by following these tips : Deal only with a registered shop. Make sure there's a green and white \" Registered State of New York Motor Vehicle Repair Shop \" sign outside the shop and a valid New York State Department of Motor Vehicles DMV registration certificate inside. Use the \" Find a DMV - regulated Business \" service to find a registered repair shop in your area. Ask your family, friends and co - workers for advice on reliable repair shops in your area, as well as those you should avoid. Keep all records, including estimates, invoices, work orders, receipts, guarantees and warranties. Besides their importance in case you file a repair complaint , these papers serve as your record of service, and could increase your vehicle's resale value. If you authorize repair work by phone , write down the date and time, the name of the person you spoke with, any estimated price quoted, and other pertinent details. Don't be afraid to ask questions. Management of a shop should take the time to explain required repairs and prices, discuss problems, and tell you about the training and experience of employees.  The \"Consumer's Bill Of Rights\" \nUnder the Repair Shop Act , you have the following rights when dealing with a repair shop : Written Estimate If you request it , the repair shop must give you a written estimate of the parts and labor necessary for each specific repair. The shop may charge a reasonable fee for developing a written estimate , but the labor charge for an estimate may not exceed the shop's usual hourly labor charge . The estimate must list each part and its cost, and show what parts, if any, are either used or not of original quality. It must show the labor charges for each repair and by what method they are calculated. The shop may not charge more than the estimated price without your permission. Authorizing Work A shop may not perform any services unless you give your permission. If the shop prepares a written work order , it must give you a copy. If you prepare a written work order , the shop must attach it to the invoice. If work is authorized verbally or by telephone , the invoice must show the date, time, and name of the person giving authorization. Parts You are entitled to the return of all replaced parts, except warranty and exchange parts , but you must ask for them in writing before any work is done. If you authorize work by phone , the shop must keep any replaced parts, and make them available when you pick up the vehicle. Invoice When repairs are completed , the shop must give you a detailed invoice listing each repair done, each part replaced, the cost for each, and the cost of labor. The invoice must show which replacement parts, if any, are used, or not of original quality. It must show the odometer reading at the time you left the vehicle for repair and when the invoice was prepared. If the shop promised a delivery date , that must be listed on the repair order. If you received a written estimate , compare it with the invoice and try to resolve any questions before you pay for the repairs. Inspection After Repair You have the right to inspect your vehicle at the shop before paying for repairs. However , this does not give you the right to remove the vehicle from the shop without paying for the repairs, or to inspect it in areas where only authorized employees are allowed. Guarantees A shop is not required to guarantee its work , but if a shop voluntarily guarantees repairs, the terms and time limit of the guarantee must be listed on the invoice . If you are not satisfied with the quality or price of a repair, discuss it with the management of the shop. Many misunderstandings can be resolved through a calm, honest discussion. ", "If You Have a Repair Problem \nFirst , attempt to resolve the issue with the management of the business. Keep a written record of all contacts with management in addition to details about the repair. Copies of work orders and invoices are proof of your attempts to resolve the problem . If a satisfactory resolution is not reached and you wish to file a complaint, you must submit a Vehicle Safety Complaint Report PDF [1] [1] along with any supporting documents to the DMV Consumer & Facilities Services Complaint Unit. To submit electronically , download the complaint report available at the link above to your personal device. Attach and then email the completed report as well as any supporting documents to [email protected] [2]. Please note that DMV staff will communicate with you through email. Complaint UnitBureau of Consumer & Facility ServicesDepartment of Motor VehiclesP.O. Box 2700-ESP , Albany , NY 12220 - 0700FAX : 518 486 - 4102Phone : 1 - 518 - 474 - 8943 between 8:30 a.m. and 4:15 p.m., Monday - Friday Email : [ email protected] [2 ] IMPORTANT : DMV staff will not investigate a complaint until a completed VS-35 Complaint Report has been received. The department does not investigate complaints that have been filed anonymously. There is a 90-day limit on reporting incidents related to a NYS Repair Shop. We cannot accept complaints against Repair Shops beyond the 90-day limit or 3,000 miles whichever comes first. The DMV cannot resolve disputes over the terms of manufacturer or third party warranties or guarantees. If you feel you have a NYS Lemon Law complaint , please see Lemon Law Complaints [3]. ", "What Happens to Your Complaint \nA DMV customer service representative will try to resolve the problem by discussing it with you and the shop. About half the complaints received by DMV are resolved through mediation . If the repair problem isn't resolved , your complaint will often be referred to a DMV regional office for investigation. A DMV inspector may contact you to ask questions or discuss your case in detail. These inspectors are experienced automotive technicians trained to investigate and resolve complaints . If the DMV investigation indicates the shop violated the Repair Shop Act or regulations, DMV will either send a warning letter to the shop or schedule a hearing. If a hearing determines there were violations , DMV will take action against the shop. This may include suspending or revoking the shop's registration and/or imposing fines . If you suffer a financial loss due to overcharging or unnecessary or poor quality repairs, the administrative law judge presiding at the hearing may offer the shop the option of paying restitution. The shop may then receive a shorter suspension period and/or a lower fine . DMV cannot force a shop to pay restitution. Restitution is limited to the amount you were overcharged or the cost of proper repairs. Other expenses, such as the cost of renting a replacement car, cannot be included. Filing a complaint with DMV does not prevent you from seeking help from other consumer protection agencies or from taking the shop to court. However , if you receive a court settlement or one is pending , restitution through DMV is not available. ", "With Your Help, The Repair Shop Act Works \nUnder the Repair Shop Act , thousands of dollars are returned to consumers each year through mediation and restitution. In addition , hundreds of vehicles are repaired at no additional cost. The Repair Shop Act also helps to make our highways safer by promoting quality auto repairs . The Repair Shop Act works best when consumers take the time to shop wisely for auto repairs, keep records of their dealings with shops, and discuss repairs with shop management to avoid misunderstandings. Additional information can be found at: Report a problem with a DMV regulated automotive business [4 ] (C-17) NEW YORK STATE DEPARTMENT OF MOTOR VEHICLESMark J. F. Schroeder , Commissioner Return to DMV Publications [5 ]", "Changes to IRP registration[1] \nCommon changes to IRP registrations include \nadd or delete vehicles transfer plates from one vehicle to another add jurisdictions increase or decrease registered weight transfer a vehicle from one fleet to another fleet name change address change 1  To make changes to your IRP registration \ncomplete Schedule A & C pdf [2] IRP-6 submit for all changes listed above provide proof of identity submit for all changes listed above 2 provide proof of ownership submit for all add vehicle requests 3 provide proof of NY State insurance NY State Insurance ID Card in same name as the registrant if you are adding vehicles to the fleet submit for all changes listed above provide proof of NY State insurance NY State Insurance ID Card in the new name if you are changing the name on the account send a check or money order made payable to the Commissioner of Motor Vehicles in the amount of $2.50 per vehicle send in proof of an established place of business for the new address submit for for address change only  Online \nYou may use OSCAR [3] to make some of these the changes online.  By mail \nIf you are using the United States Postal Service International Registration BureauPO Box 2850 ESPAlbany , NY 12220 - 0850 If you use an express mail service or other method International Registration BureauNYS DMVRoom 1366 Empire State PlazaAlbany , NY 12228 If you send your application by mail , the IRB sends you a invoice. If additional information is required to process your application , the IRB sends a request for additional information with the invoice. Payment by mail must be by certified check or money order. ", "At the Customer Service Counter in Albany \nYou may bring your application to the Customer Service CounterRoom 136Swan Street BuildingEmpire State PlazaAlbany , NY 12228 The Customer Service Counter is open 8:00am to 3:45pm, Monday through Friday, except state holidays The IRB calculates your fees while you wait. You may pay the fees in cash, by money order or certified check. You must provide payment and all required documents to receive your new IRP documents.  By fax \nSubmit the Schedule A & C pdf [2] IRP-6 by fax to 518 - 486 - 6579. IRB processes changes submitted by fax within 72 hours. If you change your address , you must notify the DMV within 10 days. Please complete Schedule A / C IRP6 and submit it along with your two proofs of new address and payment in the amount of $2.50 per vehicle. Payment must be a check or money order payable to the Commissioner of Motor Vehicles. Send photocopies of your proofs of identity. If another person brings your application to the Customer Service Counter , see the requirements for a second - party registration application. If you must change any information on your IRP registration that is also on your title certificate for example the VIN, year or make , you must first apply for an amendment to your title certificate. See Change name or other information on your registration or title [4] for more information. If you change information on your title certificate , you must send a photocopy of the changed title certificate when you apply to change information on the IRP registration. Your local DMV office cannot amend an IRP registration. ", "Do it by phone: \nYou can't make changes to an IRP registration by phone. You may call the IRB with questions at 1 - 518 - 473 - 5834  Do it by mail: \nYou can make changes to your IRP registrations by mail. Follow the instructions on Schedule A&C [2] IRP-6.  Do it at the DMV: \nYou can make changes to your IRP registrations at the Customer Service CounterRoom 136Swan Street BuildingEmpire State PlazaAlbany , NY 12228 The Customer Service Counter is open 8:00am to 3:45pm, Monday through Friday, except state holidays You can't make changes to your IRP registrations at a DMV local office.  Do it online alternative: \nYou can make some changes to your IRP registrations using OSCAR [3 ]  Show \"do it online\" button in megamenu: \nTopic: \nMotor Carriers [5 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?:", "Pay driver responsibility assessment [1] \nWhat is a driver responsibility assessment? \nThe driver responsibility assessment is a fee you must pay to DMV over a three year period if you are convicted of certain traffic offenses in New York State or accumulate 6 or more points on your driving record within 18 months. This fee is in addition to any fines, penalties or surcharges that you must pay for a traffic conviction. The purpose of the assessment is to prevent the repeated behavior of problem drivers and to improve traffic safety.  Who must pay? \nEffective November 18 , 2004 , you must pay a driver responsibility assessment if you were convicted of an alcohol or drugged driving - related traffic offense while driving a motor vehicle, boat, or snowmobile in New York State you were found to have refused to take a chemical test for blood alcohol content in New York State you received 6 or more points on your NY State driver record within an 18 month period for convictions of traffic offenses committed in New York, Quebec or Ontario You must pay the driver responsibility assessment whether you have a driver license issued by New York State, another jurisdiction or if you do not have a driver license.  How much do I have to pay? \nThe amount depends on the type of violation or the total number of points on your driving record. If you are convicted of an alcohol or drugged driving - related offense or if you refuse to take a chemical test , the annual assessment is $250. The minimum amount that you must pay each year is the annual assessment. The total assessment for the three years is $750. If you receive 6 points on your driver record for violations committed during a period of 18 months , the annual assessment is $100. The minimum amount that you must pay each year is the annual assessment. The total assessment for the three years is $300. If you receive more than 6 points on your driver record during a period of 18 months , the annual assessment is $25 for each point in addition to the original six points. The minimum amount that you must pay each year is the annual assessment. The total assessment for the three years is $75 for each point in addition to the original 6 points. If you must pay a driver responsibility assessment , DMV will send you a statement with the amount you owe. You must pay at least the minimum amount by the payment date or your driver license will be suspended. You can also pay the full assessment. The amount you owe may increase if you are convicted of additional offenses after your statement is issued. ", "Pay online \nYou can pay online using a credit or debit card. 3 You must pay at least the minimum amount or you can pay the full assessment. Your name and address on DMV records must be correct. You must provide the last four digits of your Social Security Number your DMV ID Number Client ID Number from your NY State driver license , learner permit or non - driver photo ID card see where to find information on your driver license [2], or your full name , date of birth and gender If your driver license is suspended because you did not pay an assessment , the suspension will be removed after your payment is processed. Pay driver responsibility assessment online [3 ]  By mail \nSend the minimum amount on your DRA statement before the payment date to : DRA Processing CenterState Office Building P.O. Box 359Utica , NY 13503 You must enclose a check or money order payable to. Starter checks, cash, or credit cards cannot be accepted. Do not include any other DMV fees or fines.  At a DMV office \nBring a check or money order payable to for at least the minimum amount on your statement to your local DMV office.  What happens if I do not pay? \nIf you do not pay the driver responsibility assessment by the payment date on your statement , DMV will suspend your driver license, your learner permit, or your driving privileges. ", "What do the dates on my statement mean? \nviolation date - date that the incident occurred the date you received the ticket you were found guilty of the violation at a traffic court or DMV hearing conviction date - date assessment date - date that DMV enters the violation on your record - DMV uses the date of the original assessment to determine the annual statement dates and to check your driver record for new incidents that DMV issued your statement annual statement date - date payment date - final date that you can pay a driver responsibility assessment to avoid a suspension of your driver license, learner permit, or driving privileges  How does the DMV calculate my driver violation points? \nTo learn how DMV calculates your point total , see information about the New York State driver violation point system [4].  How can I check if a suspension has been removed, or get information about the status of my license? \nTo check if a suspension has been removed or to get information about the status of your driver license , sign up for a MyDMV [5].  How can I find out how many points are on my driving record? \nTo check the number of points on your driving record , sign up for a MyDMV [5].  Can I reduce the amount of the driver responsibility assessment if I complete a DMV-approved Point and Insurance Reduction Program course? \nNo. Taking a Point and Insurance Reduction Program coursedoes not eliminate the requirement to pay the assessment or reduce the amount. Normally , you receive three annual statements. When you receive the first annual assessment statement , you can pay the annual assessment , or you can pay the total assessment for the three year period. When you receive the second annual assessment statement , you can pay the annual assessment or the total assessment for the two years that remain. You can also pay the total balance of assessments that remains at any time. For example , you have a total assessment of $300 , and you pay the minimum payment of $100 due from your first annual statement. You can pay the $200 balance at any time. You do not need to wait until you receive the second annual statement. To pay your DRA balance in this situation , you must pay the amount of the additional assessments as well as the balance of the initial assessment. For example , your initial total assessment is $300. You must pay the $100 due on the first annual statement. Your balance is $200 , but an additional total assessment of $150 is added to your DRA account after you paid the $100 annual assessment. You cannot pay the $200 balance on the initial assessment unless you also pay the $150 balance of the additional assessment. To pay your total DRA balance , you would have to pay $350. You will be informed that there are additional assessments if you attempt to pay the balance of an initial assessment that does not include the additional assessments. You are not required to pay the balance of assessments before you receive the annual statements. You can pay the annual assessment each year for three years until the balance is paid. If you do pay the balance , you will not receive future annual statements for assessments included in that balance. The DMV accepts : American Express Card Discover Card /Novus MasterCard MasterCard Debit card without personal identification number PIN VISA Card Visa Debit Card without personal identification number PIN You can confirm or change your address online , but you must create a MyDMV account first [5]. If you need to change your name , you must go to a DMV office. ", "Show \"do it online\" button in megamenu: \nTopic: \nTickets [6 ]  show mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "Register a leased vehicle[1] \nHow to register a leased vehicle \nIf you leased the vehicle from a dealer in New York State , the dealer normally registers the vehicle for you by providing all your proofs and your registration application to the DMV. In this case , you don t need to do anything more. If the dealer does not provide the proofs to the DMV , you must register the vehicle at a DMV office. Please complete the Document Guide to make sure you bring the correct documents with you. Find your proofs [2 ]  Summary of what you need \na certified copy of the title certificate , original Manufacturers Statement of Origin MSO or Manufacturer's Certificate of Origin MCO 1 current NY State Insurance ID card auto liability insurance 2 NY State driver license , permit , non - driver ID , or other proof of identity 3 authorization from the leasing company to register the vehicle in New York, which consists of all these things a letter from the leasing company that gives you permission to register the vehicle in NY State a power of attorney from the leasing company that authorizes you to register the vehicle in NY State the signature of a leasing company officer in box 3 on the Vehicle Registration / Title Application PDF [3] MV-82 or on the Registration Authorization PDF [4] MV-95 proof of sales tax payment, sales tax exemption, or purchase price see below for instructions for to show proof ", "Proof of sales tax payment \nIf you paid New York State sales tax to the leasing company or dealer on the total amount of all your lease payments , provide your lease agreement that indicates that you paid the NY State sales tax, and complete the Claim for Sales Tax Exemption {Sales Tax Form} PDF [5] at NY State Department of Tax and Finance DTF-803. If you did not pay New York State sales tax to the leasing company or dealer on all of your lease payments , provide your lease agreement , and complete Statement of Transaction {Sales Tax Form} PDF [6] at NY State Department of Tax and Finance DTF-802. You must pay NY State sales tax at the DMV office on any lease payments if the leasing company or dealer did not collect the sales tax. The sales tax is collected in one complete payment at the time of registration. If you made one payment to another state for the total amount of sales tax, complete Claim for Credit of Sales Tax Paid to Another State {Sales Tax Form} PDF [7] at NY State Department of Tax and Finance DTF-804 to request credit for the tax you paid, and then pay the balance of any NY State sales tax. This process can reduce the amount of your NY State sales tax if NY State and the other state have an agreement about sales tax. Not all states have an agreement with New York. See DFT-804 page 2. If you made monthly sales tax payments in another state, complete form Statement of Transaction {Sales Tax Form} PDF [6] at NY State Department of Tax and Finance DTF-802, and pay the total amount of NY State sales tax in one payment for all the lease payments that remain. See also Change name on title after lease buyout [8]. You will not receive the original title certificate as proof of ownership. The leasing company is the owner and holds the title certificate, which displays their name. Your insurance company will: 1) give you 2 barcoded original NY State Insurance ID cards (see a sample [9]) or provide you with access to your digital electronic NY State Insurance ID Card 2) send an electronic notice of insurance coverage to the DMV (your insurance agent or broker cannot file this notice) Your NY State Insurance ID cards and the electronic notice together verify your coverage. We need both. You must register your vehicle within 180 days of the effective date on your Insurance ID Card. Bring one copy or form of your Insurance ID Card with you. The DMV office will keep the paper card. Keep the other paper card with the vehicle as your proof of insurance. Anyone operating your vehicle must be able to provide proof of insurance. Learn more about NY State Insurance Requirements [10]. You must be at least 16 years old except for ATV registrations. You can use a NY State Driver License, Learner Permit, or Non - Driver ID card that is current or not expired for more than 2 years as proof of both identity and age . If you don t have one of these, see other kinds of proof [11] you can use. ", "Do it at the DMV: \nBring your completed registration application and additional documents to a local DMV office [12]. Make a reservation online before visiting DMV offices in New York City, Westchester, Nassau, Suffolk, Rockland, Onondaga or Monroe Counties. Make a Reservation [13 ]  Show \"do it online\" button in megamenu: \nTopic: \nRegistration [14 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "Creating a MyDMV account[1] \nWhat do I need to sign up for MyDMV? You must have your New York State driver license , permit or non - driver ID 1 your Social Security Number SSN the ZIP code currently on your New York State driver license, permit or non - driver ID record 2 How do I sign up for MyDMV? Step 1 : Go to the MyDMV homepage [2] and click \" Sign up for MyDMV. \" Step 2: Enter the required information and create a NY.gov ID username, or use one your already have. Your information must match what we currently have on for you. 3 Your username can be a combination of letters a, b, c numbers 1,2,3 period. at (@ ) dash - underscore _ Step 3 : Open the email we send you with your temporary password and link to MyDMV. Step 4 : Click the \" Log in to NY.gov \" button and enter your username and temporary password. Step 5 : Create a permanent password and security questions / answers Shared Secrets. Step 6 : Enroll in the MyDMV services you want to use. What if I already have a NY.gov username? NY.gov allows people to access online services from various NYS government agencies with a single username. For example , if you have a MyDMV account and you enroll at the Online Tax Center of the Department of Taxation and Finance , you can use the same NY.gov ID username and password to access services offered by both agencies. Learn more about NY.gov ID [3]. If you already have an NY.gov ID username when you sign up for a MyDMV account , your MyDMV account will be associated with your current NY.gov ID username. You will not need to create a new username. Forgot your NY.gov account Username? Use the self - service tools on the MyDMV homepage [2]. What can I do if I lost my temporary password and couldn't complete the sign - up process? Follow these steps Step 1 : Go to the MyDMV homepage [2] and click \" Sign up here. \" Step 2 : Enter all the required information again. Use the same username you used before. Step 3 : Open the email we send you with a new temporary password and link to MyDMV to sign in. Why am I redirected to the' Register for MyDMV Online Services' page? You may have multiple NY.gov usernames , and the username you used to sign in is not associated with your MyDMV account. To solve this issue , follow these steps : Step 1 : Use this link to clear out your sign in information from our system [4]. This will stop you from being redirected to the Register for MyDMV Online Services page. Step 2 : Use the Forgot your Username tool on the NY.gov ID sign in page [5] to get a list of all of your NY.gov ID Usernames. If you have more than one email address , be sure to check all of them. Sign in with the username you created for MyDMV. If you don't remember the password you can use the' Forgot your Password' tool. None of these instructions help. I still can't sign up for MyDMV. If you still have problems signing up after following the instructions on this page , Contact us [6]. If you just ordered a new driver license, learner permit, or non - driver ID but it hasn t arrived in the mail , you ll need to wait until you receive your new document to create your account. You cannot create a MyDMV account if you were never issued a New York State license, permit, or non - driver ID. You can confirm or change your address online [7 ] Make sure you enter your photo document number correctly see a sample driver license [8]. It s easy to mistake the following the number 1 for letter the I the number 0 for the letter O the letter Q and the letter O the number 5 and the letter S the number' 8' and the letter' B ' The temporary password is case sensitive. You must enter it exactly as it appears in the email. It is best to copy and paste the temporary password from the email. Your password must be different from your temporary password and username contain at least 8 characters include at least one upper case and one lower case character be different from your previous 12 passwords ", "Topic: \nMyDMV [9]", "How to get my own driving record (abstract)[1] \nWhat is a Standard driving record (abstract)? \nSee an explanation of' Standard' driving record abstracts [2] issued by the New York DMV, and a Description of Abstract of Driving Record PDF [3] DS-242.1, which also shows a sample abstract. Standard driver records contain information related to your record for the past few years. If you need a record of all information DMV has , see lifetime driving records [4]. There is no difference between an abstract you order online, at an office or by mail. They are certified DMV records. They all include a certification statement and the signature of the Commissioner of Motor Vehicles, as well as the same security watermark.  What is a Lifetime driving record? \nSee an explanation of \" lifetime \" driving records [5] issued by the New York DMV, and a Description of Abstract of Lifetime Driving Record PDF [6] DS-242.3, which also shows a sample record.  What is a Commercial (CDL) driving record (abstract)? \nSee an explanation of CDL driving record abstracts [7]. You can order them online or have your employer order them through the License Event Notification Service LENS [8].  Get Standard, Lifetime and CDL abstracts online through MyDMV \nYou can save and print a PDF version of your record. You will have 5 days after your order to download it. The fee is $7. To create a MyDMV account , you will need your most recent New York State driver license, permit, or non - driver ID. Sorry , you must order by mail if you do not have a New York State license, permit, or non - driver ID or yourNew York State license , permit , or non - driver ID 1 Make sure your computer and web browser have all recent updates to avoid problems downloading your record [9]. [10] ", "Get Standard and Lifetime abstracts by mail \nTo request your Standard driving record by mail , send a completed Request for DMV Records PDF [11] MV-15 a photocopy of your proof of identity 2 a personal check or money order for $10.00 payable to \" Commissioner of Motor Vehicles \" MV-15 ProcessingNYS Department of Motor Vehicles6 Empire State PlazaAlbany , NY 12228 If you would like to order your record at the same time you renew your license , mark the blue box on your renewal notice and add the $10.00 search fee to your renewal fee.  Get Standard abstracts at a DMV office \nSorry, you cannot get CDL or Lifetime abstracts at a DMV office. To request your Standard driving record at a DMV office , bring a completed Request for Driving Record Information PDF [12] MV-15C proof of identity 3 $ 10.00 for the fee 4 Find a DMV office near you [13].  At the DMV Customer Service Counter in Albany \nYou can request driving record abstracts at the DMV Customer Service Counter in Albany. You must provide your proof of identity and pay the $10.00 search fee. You must certify that you have a DPPA permissible use. Use the Request for Driving Record Information PDF [12] MV-15C to request a driving record abstract at Customer Service CounterRoom 136Swan Street BuildingEmpire State PlazaAlbany , NY 12228  Driving records cannot be ordered by phone. \nYou will need the document number see sample documents [14] from your most recently issued document. If you renewed or ordered yours recently and have not received it in the mail yet , you will need to wait for it to arrive before you can create a MyDMV account. This can either be a driver license or other government - issued photo ID card you can black out your photo or 6 points of identification. See the DMV Document Guide [15]. This can either be a driver license or other government - issued photo ID card you can black out your photo or 6 points of identification. See the DMV Document Guide [15]. Cash, credit cards, personal checks and money orders accepted. Make checks and money orders payable to \" Commissioner of Motor Vehicles. \" ", "Show \"do it online\" button in megamenu: \nTopic: \nDMV Records [16 ]  Related PDFs: \nshow mydmv button in megamenu: \ngo to mydmv: \nDisable this transaction?: \nyes or no survey:", "What is an insurance lapse in New York State? \nAn insurance lapse means that there is no liability insurance coverage for a vehicle registered in New York State for a period of time. If there is a lapse of insurance for a vehicle registered to you , the DMV can suspend your registration and driver license.  What can cause an insurance lapse? \nAny amount of time that your vehicle is registered but not insured can cause a lapse in your insurance coverage. An insurance lapse can occur between the date your insurance is cancelled and the date your new insurance begins you surrender your vehicle plates your registration expires ' other proof' of insurance for example, a vehicle registered in another state, or a vehicle repossessed or impounded is valid your insurance company reinstates your insurance coverage A lapse in insurance coverage can also occur between the date you register your vehicle and the date your new insurance coverage begins. 1 See Respond to DMV insurance letters and orders [1] for instructions on how to resolve an insurance lapse. If the registration suspension period is more than 90 days , you must surrender your vehicle registration and plates. The DMV will also suspend your driver license. Your driver license will be suspended for the same number of days as your registration suspension. To reinstate your driver license , you must pay the DMV a $50 license suspension termination fee [2]. ", "What will happen if I drive without insurance (with lapsed insurance)? \nDo not drive any vehicle that is not insured. you could be arrested or ticketed your vehicle can be impounded by a law enforcement officer the DMV will revoke your registration and your driver license  What will happen if I or my uninsured vehicle is in a traffic crash? \nYour license and registration will be suspended , and you will need to pay fines and penalties. If your vehicle does not have insurance and you or someone else driving your uninsured vehicle are involved in a traffic crash , the DMV will revoke your driver license and vehicle registration for at least one year. The traffic court fine could be as much as $1,500 for driving without insurance or allowing another person to drive your uninsured vehicle. You will also need to pay the DMV a $750 civil penalty to restore your driver license [3] if it is revoked.  What happens if my insurance is cancelled or reinstated, or I get new insurance? \nYour insurance company must notify the DMV electronically if your insurance coverage is cancelled your insurance coverage is reinstated you get new insurance coverage In your response to the DMV letter you must either prove that you have insurance coverage prove that you sold the vehicle prove that insurance coverage was not required If you have insurance coverage , also ask your insurance company do not ask your agent or broker to file an electronic notice of insurance coverage with the DMV. If you do not have auto liability insurance , you must surrender your vehicle plates to the DMV [4] immediately. ", "How do I avoid an insurance lapse? \nRemember this simple rule: no insurance, no plates! keep the address for your vehicle registration and driver license current with the DMV have liability coverage from a company licensed by the NYS Department of Financial Services and authorized by the NYS DMV out - of - state coverage is never acceptable on any vehicle registered in New York have your insurance company report any changes to the DMV immediately for more information, see Changes to my insurance policy [5 ] keep insurance coverage on your vehicle for as long as it is registered in New York respond to DMV Insurance Letters and Orders immediately surrender your vehicle registration and license plates to DMV before your New York State coverage ends for any reason If you do not have valid auto liability insurance coverage for your vehicle , you must immediately surrender your registration and vehicle plates. Motorcycle plates do not have to be surrendered to DMV when auto liability insurance lapses. However , it is illegal to operate a motorcycle when it does not have proper auto liability insurance.  If my registration is suspended for a lapse of insurance, can another person register the vehicle? \nNo. The DMV will not issue a new registration if the DMV determines that the purpose of the new registration is to avoid the suspension. The DMV will not issue a registration if the applicant for the new registration has the same last name as the registrant whose registration is suspended , or resides at the same address as the registrant whose registration is suspended The DMV will not issue a registration to any person unless that person makes a sworn statement on form FS-2. The statement certifies that the purpose of the application in not to avoid the results from the current suspension. The local DMV Office determines if the application will be accepted or rejected. Form FS-2 is available only at a local DMV Office. ", "If my license is suspended for a lapse of insurance, what can I do? \nIf your registration has not expired , you must surrender your plates. A driver license becomes suspended when the lapse is 91 days or more or if the time period of the lapse has not yet been determined. To determine the lapse period the plates must be surrendered , or the plates must be reported lost / stolen / confiscated , or the registration must expire , or the plates must be transferred to another vehicle by DMV , or DMV must receive proof of new or reinstated insurance , or DMV must receive other acceptable proof Once the lapse is determined , the registration , and if the lapse period is 91 days or more, your driver license will also be suspended for the same number of days. The suspensions may not be effective on the same date. Therefore , you may serve the suspension on the driver license first or you may serve the suspension on the registration first. The suspension on the driver license will not end until you have paid the suspension termination fee and have served the suspension. The registration suspension will last for the same number of days that your vehicle was registered in New York without auto liability coverage. If you are suspended you must either surrender your plates to the DMV [4], or if you are eligible , pay the optional civil penalty for the entire length of the lapse", "Register a pick-up truck as 'passenger' class vehicles[1] \nCan I register my pick-up truck as a 'passenger' class vehicle? \nYes. Your pick - up truck can qualify for passenger class plates if it meets certain conditions, depending on its unladen weight. If you have a modified or unmodified pick - up truck with an unladen weight less than 6,001 lbs . , then you may register it in the passenger class if it meets the following conditions : the pick - up truck does not have any business advertisements , and the pick - up is used exclusively for non - commercial purposes If you have a modified pick - up truck with an unladen weight greater than 6,000 lbs . , then you may register it in the passenger class if it meets the following conditions : the pick - up truck does not have any business advertisements and is used exclusively for non - commercial purposes a camper top having one or more side windows completely encloses the truck bed , the pick - up truck has seats, seat fittings, or camping equipment installed in the truck bed' camping equipment' indicates that you have a bed, a stove, or a refrigerator in the vehicle NOTE : These modifications must be permanent. If you use the pick - up truck without the required modifications , then you must register it in the commercial registration class. You are not required to apply for passenger class plates for your pick - up. You can use commercial plates. See Information For Pick - Up Truck Owners PDF [2] MV-114 to get more information. ", "How can I find my truck s unladen weight? \nThe unladen weight of your pick - up truck is stamped on a metal plate located on the door of your vehicle. The unladen weight is also listed on your title certificate. The unladen weight is different from the maximum gross weight MGW listed on your registration documents. Before you apply , make sure that the unladen weight of the truck is 6,000 lbs. or less.  Does passenger class change the MGW listed on registration documents? \nNo. Passenger class plates on a pick - up truck do not change the maximum gross weight MGW listed on the registration documents or the unladen weight listed on the title certificate.  Does passenger class change the registration fees? \nNo. Passenger class plates on a pick - up truck do not change the registration fees. Commercial registration fees still apply. The DMV requests the unladen weight to verify that your pick - up truck is eligible for passenger class plates. The DMV does not change the unladen weight or the MGW.  How do I apply for passenger class plates? \nYou must apply in person at a DMV office [3]. Before visiting a DMV office to register your pick - up truck as a \" passenger \" class vehicle , please complete the Document Guide to make sure you bring the correct documents with you. Find your proofs [4 ] You must surrender your commercial plates be sure to remove frames and fasteners .The DMV office will issue new registration documents and standard passenger plates with a new number. If you had custom plates or personalized plates , your new registration documents will list the numbers from your plates. The DMV will send you new passenger custom or personalized plates by mail. ", "My pick-up is rented or leased. What do I need to do? \nYou must submit a certification form provided by the leasing company or owner of the pick - up truck which states that the truck will not be used for commercial purposes.  My registration is about to expire. Can I change the class when I renew? \nIf your registration will expire in less than 60 days , you can renew your registration at a DMV office and change to passenger class plates when you renew. You can also get passenger plates with no additional fee when you register a pick - up truck for the first time.  My pick-up truck weighs more than 6,000 pounds. Can I still register it as a passenger class? \nNo. If you have a pick - up truck that has an unladen weight of 6,001 lbs. or more , you cannot apply for passenger class plates through the process described above. You must modify the truck to qualify for a passenger class registration and passenger class plates. Learn more about vehicle modifications for registration class changes [5].  If I register my truck as a passenger class, can I drive it on parkways? \nThe agency that controls a parkway decides if pick - up trucks with passenger class plates are allowed on the parkway. To make sure you can drive your pick - up truck on a parkway , contact the agency that manages the parkway. Some parking regulations and traffic regulations in New York City depend on the type of vehicle plates on your vehicle. Passenger class plates on your pick - up truck can change how New York City regulations affect you. Contact New York City about their regulations. ", "Do it at the DMV: \nBring your completed registration application and additional documents to a local DMV office [3]. Make a reservation online before visiting DMV offices in New York City, Westchester, Nassau, Suffolk, Rockland, Onondaga or Monroe Counties. Make a Reservation [6 ]  Show \"do it online\" button in megamenu: \nTopic: \nRegistration [7 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "To become a registered Repair Shop with the New York State DMV , you must consult the DMV Commissioner s Motor Vehicle Repair & Body Shop Regulations pdf [1] CR-82 download and read the Repair & Body Shop business requirements pdf [2] VS-145 submit the Original Facility Application pdf [3] VS-1 with all required documentation review the Repair Shop Zoning Requirements Letter pdf [4] VS-146 You can also call the DMV Office of Vehicle Safety and Clean Air at 1 - 518 - 474 - 4653 to get the forms, or call 1 - 518 - 474 - 0919 to get more information.  How to apply \nYou must submit Original Facility Application pdf [3] VS-1 that you have permission to use the property at the business location notarized statement from property owner, lease may be contingent on facility approval, sub - lease with primary lease, mortgage, deed or receipted tax bill proof proof of zoning : See the Repair Shop Zoning Requirements Letter pdf [4] VS-146 for the specific requirements your Sales Tax ID number and a copy of your Sales Tax Certificate of Authority which can be found on the Department of Tax and Finance website [5] you may need a FEIN from the IRS [6] before this step proof of Workers Compensation Insurance [7] for your employees if you do not have employees, indicate that on the application you can visit the NY State Workers Compensation Board website [7] for instructions on this process a photocopy of driver license or other government issued photo ID for everyone listed on the application a receipt for your purchase of the repair shop sign 1 all required fees , via a check payable to the Commissioner of Motor Vehicles Note: you may need to submit a separate check for MV-50 fees if also applying to become a dealer a Filing Receipt from NY State Department of State website [8] Corporation or LLC or a Business Certificate from the County Clerk individual using assumed name or partnership ", "Proof of zoning \nIf you do not have proof of zoning , do not submit an application with DMV yet! Review the Repair Shop Zoning Requirements Letter VS-146 for specific zoning requirements.  Certificate of Authority \nIf you do not have your Certificate of Authority yet , do not submit an application with DMV yet! The Certificate of Authority and Sales Tax ID number are issued by the New York State Department of Taxation and Finance DTF. You may apply by visiting the NY State DTF website [5]. Be sure to record your Sales Tax ID on the Original Facility Application.  Proof of Business Name \nIf you do not have your Proof of Business Name yet , do not submit an application with DMV yet! Corporations and LLCs : You must submit a copy of your Filing Receipt from the Department of State. Instructions to file can be found on the NY State Department of State website [8]. Partnerships and Individuals Using an Assumed Name : You must submit a copy of your Business Certificate of Assumed Name. Contact your county clerk to obtain your business certificate.  Proof of Workers Compensation Insurance \nIf you do not have your proof of Workers Compensation Insurance yet , do not submit an application with DMV yet! If you have any employees family included you must submit proof of Workers Compensation Insurance. You can visit the NY State Workers Compensation Board website [7] for instructions on this process. If you do not have any employees , indicate that on your application. Click here for more Workers Compensation Insurance Information [9]. ", "Send by mail \nYou must submit a hard copy of your application, associated documents and fee to this address : NYS DMV Bureau of Consumer & Facility Services Application Unit P.O. Box 2700 Albany , NY 12220 - 0700 DMV's Vehicle Safety s Application Processing Unit will contact you. Once your application is complete and accurate you will be issued a repair shop registration. Note : Mobile Repair Shops require an on - site investigation. For more information contact Application Processing at 1 - 518 - 474 - 0919.  Official repair shop sign \nDMV does not provide official repair shop signs. You may purchase these signs from various sign shops and automotive supply stores. See Motor Vehicle Repair & Body Shop Regulations pdf [1] CR-82 82.7 for specific requirements.", "Get my own CDL driving record (abstract)[1] \nWhat is a CDL driving record abstract? \nCommercial CDL abstracts show expanded driver history information that is not available on a Standard Driving Record. This includes convictions, suspensions, revocations and other licensing actions in any state in any type of vehicle. Medical Certification Status information and Self - Certification information is also provided. Employers or organizations can get CDL Abstracts for enrolled drivers through the New York DMV License Event Notification Service LENS. See more information on CDL Abstracts [2]. An abstract of driving record is a certified DMV record. They all include a certification statement and the signature of the Commissioner of Motor Vehicles, as well as a security watermark.  Get online through MyDMV \nYou can save and print a PDF version of your record. You will have until 5 days after your order to download it. The fee is $7. To create a MyDMV account , you will need a New York State license, permit or non - driver ID or yourNew York State license , permit or non - driver ID 1 Make sure your computer and web browser have all recent updates to avoid problems downloading your record [3]. [4] If you are unable to access MyDMV , you can mail a Request for Certified CDL Abstract PDF [5] MV - CDL form along with the $10 fee to the DMV to the address provided on the form, or have your employer order your CDL driving record abstract through LENS [6]. You will need the document number see sample documents [7] from your most recently issued document. If you renewed or ordered yours recently and have not received it in the mail yet , you will need to wait for it to arrive before you can create a MyDMV account. ", "Show \"do it online\" button in megamenu: \nTopic: \nDMV Records [8 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "Renew a hazardous materials (HazMat) endorsement [1] \nHow do I renew my hazardous materials (HazMat) endorsement? \nWe will normally mail you a renewal notice for your HazMat endorsement, which is separate from the notice to renew your CDL. Follow the instructions in the HazMat endorsement renewal notice to apply for the background checks.  How often do I need to get a background check? \nTo keep the HazMat endorsement , the driver must provide fingerprints and pass the background checks every five years.  How do I provide my fingerprints for the background check? \nThe required fingerprinting service is being provided by Identogo. All HazMat endorsement applicants must be fingerprinted at one of the Identogo ID centers located throughout New York State. 2 3 Fingerprinting is done by appointment only. You must contact Identogo to select a fingerprinting location and schedule an appointment. Visit https://uenroll.identogo.com [2] or by calling 1 - 877 - 472 - 6915. Attain Fingerprinting Services Information [3] HAZ-600 to make your appointment. Bring your NYS CDL and one of the second proofs of ID that are listed on form HAZ-600.  How long will the background checks take? \nBackground checks can take 30 days or more to complete. If your endorsement expires , it will not be restored until the criminal history background checks are completed and you have been re - qualified by both the TSA and the DMV.  How will I be notified of the results? \nThe Federal Transportation Security Administration TSA will notify you by mail of the results of the background check based on federal standards only. The TSA website [4] has information about the federal background checks for the HazMat endorsements. Please do not request the results of background checks from the DMV, Identogo, or the TSA. Wait to receive the notifications in the mail. ", "Can I get a temporary HazMat endorsement before the background checks are complete? \nNo. We cannot issue the HazMat endorsement until the background checks are completed and approved. We will provide a CDL with the HazMat endorsement that is valid for 90 days only if you applied to renew a current NYS CDL with a HazMat endorsement , and the background checks are not completed and approved before the endorsement expires.  Do I need to take another written test? \nTo keep your HazMat endorsement , you must pass the test again within two years before your CDL expires. You can take the test when you apply to renew your CDL , or you can take the test up to two years before the expiration date of your CDL. 4If you need to take the test , you can study the hazardous materials section of the NYS Commercial Driver License Manual CDL-10, or study the Hazardous Materials Manual CDL-11.  What if I do not pass the written test or the background checks? \nIf you do not pass the written test or the background checks , the DMV will issue a CDL that does not have a HazMat endorsement . It is important that a driver whose address has changed promptly file a change of address with the NYS DMV. See Address Change for more information.  What if I no longer need the HazMat endorsement? \nIf you do not need a HazMat endorsement , do not take the written test and do not apply for the background checks. When it is time to renew your CDL , follow the instructions provided with your CDL renewal notice and pay the CDL renewal fee. The DMV will issue a CDL that does not have a HazMat endorsement. Federal and State laws require fingerprint - based background checks for anyone who wants a hazardous materials endorsement, to determine whether that person has a criminal history and/or poses a security threat that warrants denying him or her the authorization to transport hazardous materials. No hazardous materials endorsement may be issued, transferred or renewed unless the background checks result in a determination by the Federal Transportation Security Administration TSA and New York State that the person applying for the endorsement is authorized to transport hazardous materials. To initiate background checks , the rules require that the applicant be fingerprinted, and that his or her United States citizenship or permanent legal presence in the United States be verified. The background checks include a check of criminal history data from the NYS Division of Criminal Justice Services and the Federal Bureau of Investigation FBI. There is also a background check by the federal Transportation Safety Administration TSA. You must provide fingerprints even if you provided fingerprints for another application, for example for a pistol permit or employment as a security guard. You must provide fingerprints for an H endorsement or an X endorsement on your CDL. You must answer 80% or more of the questions correctly to pass the test. You can take the test as many times as necessary until you pass the test , but you must pay a $5 fee for each test you take. ", "Do it by phone: \nYou can't renew a HazMat endorsement by phone. You can call or email the HazMat unit with questions at 1 - 518 - 408 - 2997 or [email protected] [5 ]  Do it by mail: \nYou can renew a HazMat endorsement by mail. Read the information on this page and send your application to HazMat UnitNYS DMV6 Empire State PlazaAlbany, NY 12228  Do it at the DMV: \nYou can't renew a HazMat endorsement at a DMV office.  Show \"do it online\" button in megamenu: \nTopic: \nCommercial Drivers [6 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "If you are looking to file a complaint against an inspection station or certified inspector , please report a problem with a DMV regulated automotive business [1].  Complaint filed against you or your business \nThe New York State Department of Motor Vehicles DMV regulates all repair shops, inspection stations, dealers, vehicle dismantlers and other related businesses in New York. To legally operate as such a business , you must register with the DMV. Once your application is approved you will receive a certificate from the DMV. You will also receive a copy of the Commissioner's Regulations that pertain to your type of business. They will explain your responsibilities to consumers. You must follow all consumer protection laws and regulations. The DMV advises all consumers who have a complaint against a dealer, inspection station, repair shop, or dismantler to make an attempt to resolve their complaint with the business manager. If they are not successful , they are advised to contact the DMV Consumer & Facilities Services Complaint Unit. protect your business: keep a copy of all work orders in an easy - to - access location  Complaint process \nIf a complaint has been filed against you , a Consumer Services Representative CSR 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. If the complaint is not resolved with the CSR , the case will be sent to an Automotive Facilities Inspector AFI for a formal investigation. avoid costly penalties, fines, and the loss of valuable customers by responding to all DMV inquiries in a timely manner ", "Investigation process \nThe AFI will conduct a formal investigation. The result may be no action, a warning letter Notice of Investigation placed in your file, or a formal administrative hearing before an Administrative Law Judge ALJ. When Vehicle Safety initiates the hearing process , you may be offered the opportunity through a \" hearing waiver \" to admit to the charges and to either pay a specified monetary penalty and/or to accept a suspension. If the waiver is accepted , no hearing is required. If the offer is rejected , a hearing must be held. The result of the hearing may be no action, a civil penalty, and/or a suspension or revocation of your ability to operate as a vehicle related business in New York State. You may also be offered the opportunity to pay restitution to the consumer in lieu of the fines and/or penalties, or to have the penalty reduced.  Hearing process \nYou 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. As a result of the hearing , 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 , 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. You will have 30 days from the date of the order by the judge to pay your fine or penalty. Failure to pay any fines or penalties or to serve out your suspension will result in indefinite suspension of your business certificate and the possible assessment of a lien against your business. However , if you pay your fine and/or penalty or serve out your period of suspension , you will be back in business after complete compliance. If you are revoked , you must surrender all supplies and cease to operate. You have the right to appeal any adverse decision. If you chose to appeal , you have 60 days from the date of the ALJs decision to file the Appeal From DMV Hearing Determination PDF [2] AA-33A, which must be accompanied by the appropriate filing fee. Your facility license, registration or certification enables you to operate in New York State. Complaints filed and charges brought against you can result in the loss of your privilege to operate as a business here.", "Log in to ACH at https://secap.dmv.ny.gov/vpass/ [1 ]  What is an escrow account? \nNew York State DMV customers who frequently process any or all of the DMV products and services listed below can establish an escrow account. An escrow account is an alternative to sending a check or money order for each DMV transaction. You deposit money into the escrow account , and then the account is debited to pay for the transaction.  What DMV products and services can I use my escrow account to pay for? \nYour escrow account can be used to pay for Copies of motor vehicle accident reports by mail - order Bulk order driver license record abstracts DMV Central Office record searches DMV Central Office abstract orders Dial - In account display searches Dial - In account display abstract orders Freedom of Information Law FOIL requests License Event Notification Service LENS notifications Bus driver Article 19A notifications Point and Insurance Reduction Program PIRP accident prevention course filings Motor vehicle title certificate lien filing accounts includes paper and electronic lien filings Copies of the NYS Vehicle and Traffic Law book  DMV Revenue Accounts mailing addresses, drop-box location and fax number \nUse these addresses to add money to your escrow account by check or money order or to send correspondence :  By regular mail \nDMV Revenue Accounts PO Box 2409 Albany, NY 12220 - 0409  By express or overnight mail \nDMV Revenue Accounts Room 233A 6 Empire State Plaza Albany, NY 12228 ", "Drop-box location \nDMV Customer Service Counter 1st Floor , Swan Street Building 6 Empire State Plaza Albany , NY 12228  Fax number: \n518 - 473 - 9644  Email: \n[ email protected] [2 ]  Escrow Account Definitions \nEscrow Amount - The DMV requires a minimum escrow amount of at least $200 for search accounts. We recommend that you keep enough money in the escrow account to cover 2 months of transactions. To change your escrow amount , you must send a request to DMV Revenue Accounts on your letterhead. The request must be signed and dated and include the account number. Escrow Account Statement - On the last business day of the month, the DMV automatically issues a statement of the activity in the escrow account during that month . Debit - The amount taken, by date, from the escrow account. Details about each debit are not available from your statement. Only the total debit amount by date and type of product or service is available from your statement . Credit - Payments to your escrow account by date. Payments are posted to your account by 3:00 pm on the day they are received. Balance - The amount in your escrow account available to use. If the balance reaches zero or a negative amount , the account is disabled. You cannot pay for transactions from the account until payment is received and processed. A negative amount indicates that the account is overdrawn . Monthly Charges to Date - The total debits to your account for the statement period. Total Charges - The cumulative total of debits to your account . Escrow Deficiency - Indicates that the balance in your account is less than the required Escrow Amount . Pay This Amount - The payment amount necessary to return your account balance to the required Escrow Amount. ACH Automated Clearing House Payments - Electronic transfer of funds from your bank account into your escrow account via the DMV website. ", "How do I put money in my escrow account? \nCurrently , the DMV can only accept checks, money orders or ACH Automated Clearing House as payments to escrow accounts. Make sure to include your account number with payments. Payments received without account numbers will be returned. Checks should be made payable to \" NYS Department of Motor Vehicles \".  Drop-off payment \nIf you do not use ACH , the fastest way to submit a payment is at the DMV Revenue Accounts Drop - box. The Drop - box is located at the DMV Customer Service Counter on the first floor of the Swan Street Building in Albany. Any check or money order dropped off by 3:00 pm will be entered into the escrow account that day. You must call 518 - 474 - 0888 when you drop payment off.  Payment by mail \nUse the DMV Revenue Accounts addresses provided above to make payments by regular, express or overnight mail.  Payment by ACH \nThis service allows you to electronically transfer funds from your bank account into your DMV escrow account via the DMV website at https://secap.dmv.ny.gov/vpass/ [1]. The funds are immediately credited to your account. This will eliminate the need to send your payments by mail. Your account liaison will also be able to update your business address and assign users to the system. You can post payment 7 days a week , 24 hours a day, whenever needed, so that you don t have to worry about running out of money or delays in replenishing your account. If you are interested in signing up for this service , you must download and complete these forms Authorization Agreement for Direct Deposits PDF [3] FM-138 ACH Liaison Designation PDF [4] FM-139 Send both forms and a voided check to : Revenue Accounts NYS Department of Motor Vehicles PO Box 2409, Albany NY 12228. You can also send these forms to us by fax at 518 - 473 - 9644 or email at [email protected] [2]. It will take approximately 2 - 3 weeks to set up your ACH account and liaison once received. If you have any questions about ACH , you may contact us at 518 - 474 - 0888. ", "How do I update my address? \nIf your address changes , you must notify DMV Revenue Accounts. If you use ACH , your account liaison can use the system to update the address. If you do not use ACH , you must send a letter to DMV Revenue Accounts with your old and new address. The request must be on your letterhead , must include your account number and must be signed and dated.  How do I close my account? \nTo close your escrow account , send a request to close your account by mail, fax or email to DMV Revenue Accounts. The request must be on your letterhead , must include your account number and must be signed and dated. If you do not have letterhead , you can send in the request on your monthly statement. If there is a remaining balance in your account, you can have a refund check issued , or you can have the balance transferred to another escrow account that you have with DMV. When you close the account , please be sure to let us know what you want done with the remaining balance, if any, left in your account.", "No matter what age you are , if you hold a learner permit , you may not drive unless accompanied by a supervising driver age 21 or older who has a valid license to operate the vehicle you are driving. For example , only a person with a motorcycle license may supervise a person learning to drive a motorcycle. You may not drive with a learner permit on any street within a park in New York City on any bridge or tunnel under the jurisdiction of the Tri - borough Bridge and Tunnel Authority on the Cross County, Hutchinson River, Saw Mill River, or Taconic State parkways in Westchester County in a DMV road test area \n\nUnder age 18? \nIf you are under age 18 or are the parent of a driver under age 18 , it is very important that you understand the Graduated Driver License GDL Law and the restrictions on drivers under age 18 [1]. \n\nHow long do I have to wait after I get my learner permit to take my road test? \nIf you are under age 18 , you must wait at least 6 months from the date you received your learner permit to schedule your road test. If you have a motorcycle learner permit Class M, MJ or Limited MJ , your supervising driver must : exercise general supervision of you while you operate the motorcycle , and remain within one - quarter mile of you , keeping you in sight at all times The only passenger who can ride with you on the motorcycle is your supervising driver. If you operate a moped with any valid class of learner permit , the same passenger rules apply.", "Signing in to MyDMV[1] \nWhy am I redirected to the' Welcome to MyDMV' page? The username you used to sign in is not associated with your MyDMV account. To solve this issue : Use this link to clear out your sign in information from our system [2]. This will stop you from being redirected to the Welcome to MyDMV page. If you created a MyDMV account before , go to the to use the Forgot your Username tool to get a list of all of your NY.gov ID Usernames. If you have more than one email address , be sure to check all of them. Sign in with the username you created for MyDMV. If you don't remember the password you can use the Forgot your Password tool on the same page. If you never created a MyDMV account before , use the sign up link. Contact us [3] if you continue to experience problems signing in to MyDMV after following these instructions. I forgot my NY.gov username and/or password. What can I do? You can use the tool to have your username your username might be your email address emailed to you. You will need to enter your name and email address. If you have more than one email address , use the tool for each address to make sure you retrieve your username for MyDMV. You can use the tool to reset it. You will need to enter your username and the security questions / answers Shared Secrets you chose when you created your account. Can I sign in to MyDMV using my NY.Gov business or employee account? No. New York State keeps your personal identity separate from your government employee or business partner identity. You will need to create a personal account with a different username than the one you use for work. ", "Topic: \nMyDMV [4]", "How to replace a registration[1] \nThe fee to replace your vehicle registration document and windshield sticker is $3.00, unless you are also replacing plates. If you need to replace vehicle plates or documents that were lost in a crime , you must apply by mail or at a DMV office. See lost or stolen plates [2] for more information.  Online and print a temporary document \nYou can replace registration documents online for most vehicles. You computer must accept cookies.  Sorry, you cannot replace registration documents online for \nvehicles older than model year 1973 boats , snowmobiles or All - Terrain Vehicles ATVs vehicles with an expired, surrendered, suspended or revoked registration motorcycles , or other vehicles with plate stickers trailers transporter vehicles vehicles registered through DMV's International Registration Bureau  Temporary registration \nYou can download and print a temporary registration in PDF format that is valid for 10 days. We also attach a copy to your confirmation email. You will get your new registration document by mail within 10 days.  You need \nvehicle plate or registration number registration class ZIP Code for the address on your registration credit or pinless debit card for payment Replace a registration online [4 ]  By mail \nSend these items a completed Application for Duplicate / Renewal Registration PDF [5] MV-82D a photocopy of your NY State driver license, permit, non - driver ID, or other proof of identity [6 ] a check / money order for $3 payable to the Commissioner of Motor Vehicles New York State Department of Motor VehiclesUtica Processing CenterP.O. Box 359Utica , NY 13503 You can t update your name by mail. If your address changed , write your new address on the application. ", "At a DMV office \nUse the Application for Duplicate / Renewal Registration MV-82D , and bring these items to a DMV office [7 ] a completed Application for Duplicate / Renewal Registration PDF [5] MV-82D your NY State driver license , permit , non - driver ID , or other proof of identity [6 ] $ 3 for payment of the fee  If your address changed \nYour mailing address on DMV files must be current. You cannot change your address during the transaction. You can first change your address online [8]and then renew. Note: If you file a request with the US Postal Service USPS to forward mail there , is no guarantee that the USPS will forward all DMV documents to the new address.  If your name changed \nYou cannot change your name during this transaction. Your new document will display your previous name. If you recently changed your name , read the instructions to change your name or other information on a registration or title [9]. See special instructions to replace plates that were lost, stolen or destroyed [2 ] order new Empire Gold plates [10 ] order personalized or custom plates [11 ] Cookies are simple text files stored on your web browser to provide a means of distinguishing among users of this website. The use of cookies is a standard practice among Internet websites. To better serve you , we occasionally use \" session cookies \" to enhance or customize your visit to this website. Session cookies can be created automatically on the device you use to access this state agency website but do not contain personal information and do not compromise your privacy or security . We may use the cookie feature to store a randomly generated identifier on the device you use to access this website. A session cookie is erased during operation of your browser or when your browser is closed. The software and hardware you use to access the website allows you to refuse new cookies or delete existing cookies . Refusing or deleting these cookies may limit your ability to take advantage of some features of this website. ", "Show \"do it online\" button in megamenu: \nTopic: \nRegistration [12 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "Provide proof of insurance [1] \nIf your driver license or your vehicle registration is suspended because of a lapse in automobile liability insurance coverage , you can provide proof that you now have insurance online or by mail. After you provide your proof of insurance , the DMV will verify your coverage with your insurance company. You can check your insurance status [2] online. You can also check the status of your driver license and vehicle registrations through MyDMV [3]. If you need written confirmation that the DMV cleared a suspension or revocation , you must order your driving record or vehicle abstract.  Online \nTo provide proof online , your name and address on DMV records must be correct. You will need your inquiry or suspension order see a sample [4] from the DMV , which will have the vehicle plate number 10 digit document number NY State Insurance Identification Card see a sample insurance card [5], which will have the effective date of your liability insurance coverage policy number of your liability insurance coverage 3-digit code of your insurance company It can take 48 hours for your records to be updated. Provide proof of insurance online [6 ]  By mail \nMail the bottom part tear strip of your insurance letter and your NY State Insurance Identification Card legible photo copies are acceptable to NYS Department of Motor Vehicles Financial Security Bureau PO BOX 2725 Albany NY 12220 - 0725 The name and vehicle information on your insurance identification card must be the same as on your vehicle registration. ", "You can't provide proof by phone or at a DMV office. \nIf your insurance company does not verify or denies the information you submitted , your driver license and/or vehicle registration will be, or will remain, suspended or revoked. To create a MyDMV account you will need your NY State Driver License, Learner Permit, or Non - Driver ID card and the last 4 digits of your social security number. You can order and immediately download your driving record abstract through MyDMV [3]. To create a MyDMV account , you will need your NY State Driver License, Learner Permit, or Non - Driver ID card, and the last 4 digits of your social security number. To get a copy of your vehicle registration abstract , use the Request For Driving and/or Vehicle Record Information PDF [7] MV-15.  Show \"do it online\" button in megamenu: \nTopic: \nInsurance [8 ]  show mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "I received an insurance 'letter' or 'order' from the DMV. What can I do? \nRead the letter or order see a sample [1] carefully, answer it quickly, and contact your insurance company immediately. If there is a problem , it is your responsibility to resolve it. If you do not , the DMV can suspend your vehicle registration and driver license.  Do not \nuse your vehicle if your insurance coverage is cancelled , even if you think it is a mistake keep the plates while you resolve a problem with your insurance company 1  Do \nsurrender your vehicle registration and plates [2] before your insurance coverage ends  How do I respond to the letter or order? \nYour response must either prove that you have insurance coverage prove that you sold the vehicle prove that insurance coverage was not required If you have insurance coverage , also ask your insurance company do not ask your agent or broker to file an electronic notice of insurance coverage with the DMV.  What must I do if I don t have liability insurance? \nIf you don t have insurance, or if it is about to expire and you don t plan to replace it , you need to surrender your vehicle plates to the DMV [2] immediately.  I received a Letter that states my insurance lapsed. What can I do? \nThe letter means your insurance company notified the DMV that your insurance coverage ended, and that no other company notified the DMV about new coverage. If you have insurance , follow the instructions in the letter and contact your company or agent about the problem. Ask your company to file a notice of coverage with the DMV electronically. If you don t have insurance , you need to surrender your vehicle registration and plates to the DMV immediately. ", "I received a Letter that states my license is suspended. What can I do? \nThe letter means your insurance company notified the DMV that your insurance coverage ended, and that no other company notified the DMV about new coverage. If you have insurance , follow the instructions in the letter and contact your company or agent about the problem. Ask your company to file a notice of coverage with the DMV electronically. If you don t have insurance , you need to surrender your vehicle registration and plates to the DMV immediately. A driver license becomes suspended when the lapse is 91 days or more or if the time period of the lapse has not yet been determined. To determine the lapse period the plates must be surrendered , or the plates must be reported lost / stolen / confiscated , or the registration must expire , or the plates must be transferred to another vehicle by DMV , or DMV must receive proof of new or reinstated insurance , or DMV must receive other acceptable proof Once the lapse is determined , the registration and, if the lapse period is 91 days or more, your driver license will also be suspended for the same number of days. The suspensions may not be effective on the same date. Therefore , you may serve the suspension on the driver license first or you may serve the suspension on the registration first. The suspension on the driver license will not end until you have paid the suspension termination fee [3] and have served the suspension. Surrender your plates to the DMV. You can get your registration and new plates when the problem is corrected. Paper proof or e - mail messages are NOT acceptable. Your insurance agent or broker cannot file your proof of insurance electronically. Only your insurance company can file proof of insurance electronically. If you are not going to immediately replace your insurance coverage , you must surrender your plates.", "Renew a business license or registration[1] \nIMPORTANT NOTE FOR DEALERS RENEWING ONLINE: \nPlease read the details regarding the new surety bond legislation at: https://dmv.ny.gov/dealers/dealer-surety-bond [2].  Renew online \nTo renew online , you must have the Facility Number from your Business Certificate see a sample [3 ] Validation Number from your Business Certificate see a sample [3 ] Federal Employer ID Number Social Security Number of the owner, partner or officer Business telephone number and email address Renew a business license or registration online [4 ]  Recent change of address \nYou cannot renew online if the address of the facility has changed and you did not amend the address of the facility. Complete these forms with your new facility address and send them to the DMV Request for Business Amendment / Duplicate Certificate pdf [5] MV-253 G Statement of Ownership and/or Permission to Use Place of Business pdf [6] VS-19  Owner, partner or officer of the company was convicted of a felony or misdemeanor of forfeited bail \nIf an owner, partner or officer of the company that owns or operates the facility has a felony or misdemeanor conviction or forfeit since the last facility certificate renewal , complete the Facility Renewal Application VS-2 and a Statement of Ownership and/or Permission to Use Place of Business pdf [6] VS-19 send it to us by mail.  Renew by mail \nWe will send you a Facility Renewal Application VS-2. Complete the application and send it with a check for your renewal fee to NYS DMV Bureau of Consumer & Facility Services Application Unit P.O. Box 2700 Albany , NY 12220 - 0700 If you don t receive your application , call the Office of Vehicle Safety and Clean Air at 1 - 518 - 474 - 0919. ", "Additional information \nLicense period \nAll business registrations and Inspection Station licenses are valid for 2 years.  Early renewal \nYou can renew if the facility certificate Inspection Station license will expire within the next 60 days.  Expired \nYou can renew if the facility certificate or Inspection Station license expired within the last six months.  Show \"do it online\" button in megamenu: \nTopic: \nMore Info [7 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "How do I get a hazardous materials (HazMat) endorsement? \nYou must first have a CDL to apply for the HazMat endorsement. A driver with a NY State CDL must have an \" H \" or an \" X \" HazMat endorsement to operate commercial motor vehicles that carry hazardous materials. Read the CDL Manual [1] CDL-10, Hazardous Materials Manual pdf [2] CDL-11, and Driver License Class Descriptions pdf [3] MV-500C for more information.  What requirements do I have to meet to apply for a HazMat endorsement? \nYou must be a U.S. citizen or a lawful permanent resident of the U.S. and present proof of citizenship or resident status at the time you apply for the hazardous materials endorsement. See Important Information about the Hazardous Materials Endorsement pdf [4] HAZ-11 for a list of acceptable proof of citizenship or resident status. You must meet the federal medical requirements in 49 CFR Part 391 and have a valid USDOT Medical Examiner's Certificate. See Medical Certification Requirements [5] for more information. You must be fingerprinted for background checks.  Is there anything that may disqualify me from getting a HazMat endorsement? \nYes , under federal law , the Federal Transportation Security Administration TSA may disqualify you from being authorized to transport hazardous materials if you have been convicted or found not guilty by reason of insanity of any of the crimes listed on Important Information about the Hazardous Materials Endorsement pdf [4] HAZ-11 during the seven years before the date you apply for the endorsement you have been released from incarceration in any jurisdiction for committing any disqualifying crime during the five years before the date you applied for the endorsement. ", "How do I apply for the HazMat endorsement? \nComplete the Application for a Hazardous Materials Endorsement pdf [6] and make a copy of one or more of the legal status documents that are listed on the form. Mail the completed form and a copy of your legal status document to : HazMat UnitNYS DMV6 Empire State PlazaAlbany, NY 12228 You may contact the HazMat unit if you have questions by phone at 1 - 518 - 408 - 2997 or email at [email protected] [7 ]  Do I need to take a written test? \nYes , you must pass a HazMat endorsement written test. You must visit a DMV office to pay the $5.00 written test fee and take the test. The test result is valid until your CDL expires. You can study the hazardous materials section of the NYS Commercial Driver License Manual [1] CDL-10, or study the Hazardous Materials Manual pdf [2] CDL-11.  How do I provide my fingerprints for background checks? \nThe required fingerprinting service is being provided by Identogo. All HazMat endorsement applicants must be fingerprinted at one of the Identogo ID centers located throughout New York State. 3 4 Fingerprinting is done by appointment only. You must contact Identogo to select a fingerprinting location and schedule an appointment. Visit https://uenroll.identogo.com [8] or by calling 1 - 877 - 472 - 6915. Attain Fingerprinting Services Information [9] HAZ-600 to make your appointment. Bring your NY State CDL and one of the second proofs of ID that are listed on form HAZ-600 to the appointment site. ", "How long will the background checks take and how will I be notified of the results? \nIt normally takes at least 30 days from the date you submit your fingerprints to complete the background check. However , the time period can be longer than 30 days. The Federal Transportation Security Administration TSA will notify you by mail of the results of the background check based on federal standards only. The TSA website [10] has information about the federal background checks for the HazMat endorsements. Please do not request the results of background checks from the DMV, Identogo, or the TSA. Wait to receive the notifications in the mail.  Can I get a temporary HazMat endorsement before the background checks are complete? \nNo. We cannot issue the HazMat endorsement until the background checks are completed and approved. The DMV will provide a CDL with the HazMat endorsement that is valid for 90 days only if you applied to renew a current NY State CDL with a HazMat endorsement the background checks are not completed and approved before the endorsement expires.  What if I do not pass the written test or the background checks? \nIf you do not pass the written test or the background checks , the DMV will issue a CDL that does not have a HazMat endorsement.  How will I know whether or not my application has been approved? \nWe will mail you notification of approval along with instructions to go into a DMV office to obtain a CDL with the HazMat endorsement. Your new CDL will display the expiration date of your CDL and the expiration date of your HazMat endorsement. The endorsement is valid for five years. Federal and State laws require fingerprint - based background checks for anyone who wants a hazardous materials endorsement, to determine whether that person has a criminal history and/or poses a security threat that warrants denying him or her the authorization to transport hazardous materials. No hazardous materials endorsement may be issued, transferred or renewed unless the background checks result in a determination by the Federal Transportation Security Administration TSA and New York State that the person applying for the endorsement is authorized to transport hazardous materials. To initiate background checks , the rules require that the applicant be fingerprinted, and that his or her United States citizenship or permanent legal presence in the United States be verified. You must answer 80% or more of the questions correctly to pass the test. You can take the test as many times as necessary until you pass the test , but you must pay a $5 fee for each test you take. You must provide fingerprints even if you provided fingerprints for another application, for example for a pistol permit or employment as a security guard. You must provide fingerprints for an H endorsement or an X endorsement on your CDL. The background checks include a check of criminal history data from the NY State Division of Criminal Justice Services and the Federal Bureau of Investigation FBI. There is also a background check by the federal Transportation Safety Administration TSA.", "Exchange out-of-state driver license \nIf you move to New York State and become a resident 1 , you must get a New York State driver license within 30 days. Learn how to exchange your out - of - state driver license [1].  I am studying in New York State. Do I need a New York State driver license? \nStudents from other states, countries or nations who attend school in New York State are normally not considered residents of New York State, so they don t need to exchange their current driver license. Normally, you can t have a NY State driver license and a driver license from another state at the same time , but there are exceptions. However , it is a violation of Federal law to hold more than one commercial driver license CDL.  Register a vehicle from another state in New York \nThe registration requirements are generally the same as to register and title vehicle [2] in New York. However there are a few exceptions for out - of - state vehicles [3], and imported vehicles [4].  What does 'TEMPORARY VISITOR' mean? \nA Temporary Visitor is defined as anyone who is not immigrating to or not residing living in the United States. These visitors have US Department of Homeland Security DHS documentation that supports their legal status in this country. If you have DHS documents that identify you as a Temporary Visitor , your New York State driver license , permit or non - driver ID card will have ' TEMPORARY VISITOR' on it , and the expiration date from your DHS document Please note that your DMV document does not expire on the Temporary Visitor expiration date, nor will your privilege to drive in New York. ", "You do not need to be a US Citizen to get a New York driver license, permit or non-driver ID card \nHowever , you must have US Department of Homeland Security DHS documentation that supports your legal status in this country. The expiration date from your DHS document is added to your New York State permit, driver license or non - driver ID card. Learn more about how to get a driver license [5 ] learner permit [6 ] non - driver ID card [7 ] If your temporary visitor status gets extended , you must bring to a DMV office a completed Application for Permit , Driver License or Non - Driver ID Card pdf [8] MV-44 your updated paperwork from the DHS your documents must be valid, current and verifiable 6 points of identification [9 ]  If I have a driver license from another country and I have a NY State learner permit, can I drive without a supervising driver? \nYes. Your valid foreign driver license allows you to drive without a supervising driver. You can drive on any street, road, highway, bridge, or tunnel, except in a DMV road test area. If your driver license is printed in any language except English , you must bring an International Driving Permit or a certified translation of your driver license to the road test. The translation must be certified by a consulate, the US Department of State, or another official agency. The translation must include your name your date of birth the expiration date of your foreign driver license a list of the types of vehicles that your foreign driver license allows you to drive If you have a NY State learner permit, and you do not have a valid foreign driver license , NY State law requires a supervising driver to ride with you. The supervising driver must be age 21 or over and must have a valid driver license to operate the vehicle that you drive. Definition of Resident per Section 250 5 of the NY State Vehicle and Traffic Law : \" As used in this section, the term' resident' shall mean domiciliary, that is, one who lives in this state with the intention of making it a fixed and permanent abode. It shall be presumptive evidence that a person who maintains a place of abode in this state for a period of at least ninety days is a resident of this state. \" To live in a house, a home, an apartment, a room or other similar place in NY State for 90 days is considered \" presumptive evidence \" that you are a resident of New York State. A police officer can use this as evidence to issue a traffic ticket if you drive in New York State without a NY State driver license or vehicle registration. A judge considers the law and the evidence of your intent and decides if you are a resident of New York State. If you pay taxes or your children attend school in another state , a judge considers these facts to decide if your intent is to make NY State a \" fixed and permanent \" residence. According to this law , students from other states or from other nations who attend school in New York State are usually not considered residents of NY State. DMV does not decide if you are a resident of New York State, if you must get a NY State driver license, or if you must register your vehicle in New York State.", "Get a military skills test waiver[1] \nIf you have military experience driving commercial motor vehicles you may apply for a waiver of the NYS CDL skills road test when you apply for a CDL. To meet the requirements for this waiver , you must currently hold a valid New York State driver license or have a valid out of state driver license to be exchanged for a NYS driver license meet all other requirements to qualify for a NYS CDL see Get a CDL [2 ] be currently regularly employed or regularly employed within the last year in a military position active duty or New York National Guard that requires operation of a CMV have operated a CMV of the type that the driver operates or expects to operate for at least two years immediately before the application date if in active service , or the date of being discharged from the military To apply , you must present the following at a DMV office a completed form CDL Certification for Military Waiver of Skills Tests [3] CDL -102 a valid NYS or out - of - state driver license a medical certificate if required proof of military service as listed on form CDL-102 You must pass all applicable written tests and pay the written test fee, permit fee and license fee. There is no skills test fee. If you meet the requirements we will issue your CDL. The class, endorsements and restrictions on your CDL will depend upon the type of CMV you operated in the military. For more information , see the Driver License Class Descriptions [4] MV-500C. ", "Do it at the DMV: \nYou must apply for a military skills test waiver at a DMV Office.  Show \"do it online\" button in megamenu: \nTopic: \nCommercial Drivers [5 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "The Point & Insurance Reduction Program PIRP, approved by the Department of Motor Vehicles, is available through private companies or corporations, called \" course sponsors, \" throughout New York State. Each qualifying course must meet strict standards for the safe driving information presented and program effectiveness. If you complete an approved PIRP course : It will help refresh your driving knowledge with a review of time - tested safe driving tips and an overview of today's vehicle and traffic laws. You may be eligible to reduce as many as four 4 points on your driving record. The DMV computer will automatically note your eligibility to receive the reduction. If you are the principal operator of a motor vehicle , you will receive a minimum 10% reduction in the base rate of your automobile and motorcycle liability and collision insurance premiums each year for three years.  QUESTIONS AND ANSWERS ABOUT... \nThe Course \nHow much time does the PIRP course take, what is it like and what does it cost? Beginning in 2009 , you will have two options for completing the PIRP course. Your options will be the traditional classroom method or an Alternate Delivery Method ADM, such as the Internet or other DMV approved method. Regardless of the delivery method , each course is at least six hours long. Note: The motorcycle safety / accident prevention courses take substantially longer and are only available in a classroom setting. Essential information about traffic safety issues such as driver attitude and behavior, defensive driving techniques, and the Vehicle & Traffic Law must be presented in each course. For both the classroom and ADM methods , additional content, approach, materials and fees vary from one sponsor to the next. Information specific to the classroom course : The course is presented in one or more classroom sessions and attendance is mandatory. No formal testing is required to complete the course. For information on where to attend a course , consult your local telephone book under \" Driving Instruction \" or equivalent sections. You may also contact one of the program sponsors presented in the DMV publication, \" List of Course Sponsors \" C-31, available at any state or county motor vehicle office and by request from DMV Call Center. The information is also available on the department website: dmv.ny.gov [1]. Information specific to the alternate delivery method : The course will be a minimum 320 minutes. Once you register with a sponsor , you have up to 30 days to complete the course. During the course , you will be asked to identify yourself with information given at registration. To ensure that you are taking the course , you will also be asked questions regarding the content. It is possible that you will be asked to register in person and/or take an exam at the end to once again ensure you are the one who completed the course. Each sponsor's method is different , so you should contact the sponsor to determine which course best fits your needs. You can contact approved ADM course sponsors presented in the DMV publication, \" List of Course Sponsors [2] \" C-31, available at any state or county motor vehicle office and by request from the DMV Call Center. The most up - to - date information regarding who is approved to provide the alternate delivery method is available on the department website: dmv.ny.gov [1]. ", "Point Reduction \nAfter I complete the PIRP course , how do I receive the point reduction? The PIRP sponsor will notify the DMV within ten weeks after you complete the course. A notice will then be entered on your driving record , and the DMV computer will automatically reduce your active point total by up to four points. Important : Completion of a course under the \" Point & Insurance Reduction Program \" does not remove, delete, subtract, or erase any violation, conviction, or notice of original number of points from your driving record. Even after you complete the course , most violations, conviction and points assessed will continue to show on your driving record for up to four years. Violations and convictions involving drugs or alcohol will remain on your driving record for ten or fifteen years, depending on the violation. \" Point reduction \" means the DMV will not count up to four points on your driving record toward license revocation or suspension. How do I know my driving record shows my PIRP course completion? If you need to verify the course completion has been entered on your record , you may request a copy of your driving record from the DMV. To do so , you can order your driving record online [3], or complete a Request for Driver and/or Vehicle Record Information [4] MV-15. This form is available on the DMV website at dmv.ny.gov [1] or at any motor vehicle office. If your course completion is not noted on your driving record more than ten weeks after you completed it , contact the course sponsor. What effect does point reduction have on my license and driving record? Point reduction applies only to points assessed for violations that occurred within the eighteen months immediately before course completion. It does not affect points for earlier violations, and cannot be used as \" credit \" against future violations or points. Point reduction cannot reduce your point total lower than zero. If your license has already been revoked or suspended, or if a violation hearing has already been scheduled , point reduction will not affect that action. Point reduction does not prevent or cancel a mandatory revocation or suspension for violations such as DWI, DWAI, or three speeding violations within 18 months. Points may be reduced only once in any 18-month period. The DMV point system and insurance company \" point \" systems are separate and not related. Point reduction on your driving record does not affect points assigned by your insurance company for violations and accidents. Completion of a course under the \" Point & Insurance Reduction Program \" also cannot prevent or reduce the calculation of points affecting a \" Driver Responsibility Assessment. \" The most recent information about the Driver Responsibility Assessment [5] program is available from the DMV web site. ", "Insurance Reduction \nAfter completing the PIRP course , how do I receive the insurance reduction? The course sponsor should mail you a completion certificate within 45 days after you complete the course. If you present your certificate to your insurance company or agent within 90 days after course completion , your liability and collision premium reduction will begin immediately, retroactive to the date you completed the course. If you present your certificate more than 90 days after course completion , the insurer may issue the premium discount effective from the date presented. If you do not receive your certificate within eight weeks after completion , immediately contact the program sponsor. You may take the course once every 36 months to maintain insurance reduction benefits. Will the PIRP course prevent my insurance company from raising my premiums? No. Insurance reduction does not prevent general premium increases, or premium increases due to violations or accidents. It provides a 10% reduction for three years, from the base rate of your current liability, no - fault and collision premiums. What if more than one person named on a policy completes the PIRP course? The insurance premium reduction applies to all motor vehicles principally operated by the motorist who completes the course. The reduction can be applied to only one driver for each covered vehicle. Will youthful operators and drivers participating in assigned risk pool receive the insurance premium discount? Yes. Any insured driver who is the principal operator and completes a Point & Insurance Reduction Program course will receive the reduction. If a youthful operator is already receiving a driver education reduction , will the PIRP discount also be applied? Check with your insurance company or agent to find out if both reductions will be given at the same time. ", "DMV Point System Summary \nThe following table shows the point values assigned to moving traffic violations. The \" points \" are assessed against your driving record based on the date you committed the violation, not the date you were convicted in court. If you accumulate 11 or more points in 18 months , you will be called to a DMV hearing, after which your license may be suspended or revoked. You will be offered the option of waiving the hearing or accepting a definite period of suspension. Some license revocations and suspensions are mandatory and do not depend on points. These include three speeding violations within 18 months, and convictions involving alcohol or drugs. For more information about license suspensions and revocations , please refer to the publication Suppose Your License Were Taken Away [6] C-12, available at any motor vehicle office. For Your Records : Your course sponsor : _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Sponsor's phone number : _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Delivery agency name and location : _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Instructor's name : _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Date you completed the course : _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ NEW YORK STATE DEPARTMENT OF MOTOR VEHICLESMark J. F. Schroeder , Commissioner C-32A 5/09", "Important : Beginning Summer 2018 , there will be new rules regarding dealer record keeping. [1] To register as a retail dealer licensed by the Department of Motor Vehicles in New York State consult the DMV Commissioner s Regulations for Motor Vehicle Dealers and Transporters pdf [2] CR-78 download and read Facility Requirements - Dealers / Transporters pdf [3] You can also call the Office of Vehicle Safety and Clean Air at 1 - 518 - 474 - 4653 to get the forms, or call 1 - 518 - 474 - 0919 to get more information.  How to apply \nYou must submit Original Facility Application pdf [4] VS-1 a copy of your complete original sealed and signed Surety Bond : Dealer Bond Under NY State Vehicle and Traffic Law Section 415 6-B pdf [5] VS-3 with power of attorney papers made out to your business name and address that you have permission to use the property at the business location notarized statement from property owner, lease may be contingent on facility approval, sub - lease with primary lease, mortgage, deed or receipted tax bill proof your Sales tax ID number and a copy of your Sales Tax Certificate of Authority [6] you may need a FEIN from the IRS [7] before this step proof of Workers Compensation Insurance [8] for your employees if you have no employees, indicate that on the application a photocopy of driver license or other government issued photo ID for everyone listed on the application a receipt for your purchase of the dealer s starter kit and signs all required fees , via checks app / license check & MV-50 check payable to the Commissioner of Motor Vehicles a Filing Receipt found on the NY State Department of State website [9] Corporation or LLC or a Business Certificate from the County Clerk individual using assumed name or partnership ", "Certificate of Authority \nIf you do not have your Certificate of Authority , do not submit an application with DMV yet! The Certificate of Authority and Sales Tax ID number are issued by the New York State Department of Taxation and Finance DTF. You may apply by visiting the NY State DTF website [6]. Be sure to record your Sales Tax ID on the Original Facility Application.  Proof of Business Name \nIf you do not have your Proof of Business Name , do not submit an application with DMV yet! Corporations and LLCs : You must submit a copy of your Filing Receipt from the Department of State. Instructions to file can be found on the NY State Department of State website [9]. Partnerships and Individuals Using an Assumed Name : You must submit a copy of your Business Certificate of Assumed Name. Contact your county clerk to obtain your business certificate.  Proof of Workers Compensation Insurance \nIf you do not have your proof of Workers Compensation Insurance , do not submit an application with DMV yet! If you have any employees family included you must submit proof of Workers Compensation Insurance. You can visit the NY State Workers Compensation Board website [8] for instructions on this process. If you do not have any employees , indicate that on your application.  Surety Bond \nIf you do not have your Surety Bond , do not submit an application with DMV yet! DMV does not provide Surety Bonds ; you must contact a surety insurance company and have them fill out the Dealer Bond Under NY State Vehicle and Traffic Law Section 415 6-B pdf [5] VS-3. Be sure that the business name and mailing address on your bond exactly matches those that show on your application. The amount of the bond depends on the number of vehicles you anticipate selling used motor vehicle dealers : ", "Send by mail \nYou must submit a hard copy of your application, associated documents and fee to this address NYS DMV Bureau of Consumer & Facility Services Application Unit P.O. Box 2700 Albany , NY 12220 - 0700 You will be contacted by a clerk from Vehicle Safety s Application Processing Unit. Once your application is reviewed for completeness at our Albany office , it will be sent to a regional office for review. They will contact you to schedule an on - site investigation.  On-site investigation \nWhen the automotive facilities inspector AFI arrives to inspect your facility , they will be checking that you have the following items dealer starter kit permanently mounted signs visible from the street the AFI will deny your application if your signs are not clearly visible proof of identification for everyone named on the application driver license or other government issued photo ID In addition to the supplies listed above , the AFI will examine your location for these characteristics a clear and permanent physical barrier from other businesses that may share your location separating display areas, signs and offices a display lot a mailbox at the business address dedicated to your business only a method of locking security items locking cabinet, safe, etc. heat , electricity , desk and chairs a business phone cell phone is acceptable If approved , the DMV will issue you a certificate of registration, MV-50s Retail Certificates of Sale and a dealer plate letter if applicable. ", "Official dealer sign \nDMV does not provide official dealer signs. You may purchase these signs from various sign shops and automotive supply stores. Your sign needs red background and white lettering to measure at least 3 feet wide by 2 feet tall display REGISTERED Facility Number STATE OF NEW YORK MOTOR VEHICLE DEALER in two inch block lettering, as configured in the example shown in the footnote 1 to be permanently mounted and visible at all times from the nearest street or highway  Starter kit components \nBook of Registry Police Book Bills of sale (Retail Certificate of Sale (MV-50) Odometer Statements except ATV and Boat Dealers Warranty Forms except ATV and Boat Dealers All forms must comply with current Regulations for Motor Vehicle Dealers and Transporters pdf [2] CR-78. These items may be purchased through these vendors2 Automotive Dealer Supplies , 518 - 465 - 9900 , www.automotivedealersupplies.com/ [10 ] Fairmount Press , 212 - 255 - 2300 Jan Horan Co. , 800 - 325 - 3006 , www.janhoran.com/ [11 ] OMP Printing , 315 - 853 - 5569 , www.ompprintingandgraphics.com/ [12 ] SNYADS Services , 800 - 916 - 9723 , www.nysada.com/Programs/SNYADSServices.aspx [13 ] NFADA Wholesale Distributors , 716 - 631 - 8510 , www.discountusedcarsupplies.com [14 ] Aratari Auto Finishers , 585 - 467 - 5858 , www.aratariautofinishers.com [15 ] Larry Ligarzewski Co. , 716 - 668 - 0390 Genesys Systems , 888 - 548 - 4000 , http://www.newyorkdealerstartupkit.com [16 ] ", "How to get a Surety Bond \nDMV does not provide Surety Bonds , you must contact a surety insurance company and have them fill out Dealer Bond Under NY State Vehicle and Traffic Law Section 415 6-B pdf [5] VS-3. Be sure that the business name and mailing address on your bond exactly matches those that show on your application. The amount of the bond depends on the number of vehicles you anticipate selling used motor vehicle dealers  Snowmobile Dealer \nTo apply for a snowmobile dealer business certificate you must use form Application for a Snowmobile Dealer Registration pdf [17] RV-253. DMV does not endorse these companies or otherwise represent that DMV has any association with or oversight of these companies.", "Transfer IRP registration[1] \nTo transfer an IRP registration and apportioned plates , request that the IRB transfer the registration when you buy or register the new vehicle.  Transfer IRP registration online \nYou can apply to transfer an IRP registration online through the New York State One Stop Credentialing and Registration system OSCAR. For more information go to https://www.oscar.ny.gov/OSCR/OSCRCarrierHome [2].  Transfer an IRP registration by mail \nTo apply for transfer of an IRP registration mail the following completed and signed form Schedule A & C pdf [3] IRP-6 1 proof of: ownership and proof of insurance form FS-20 for the new vehicle being added to your account if applicable clearance of the Heavy Vehicle Use Tax IRS form 2290 proof of identity 2 the original cab card for the vehicle being removed from the fleet the appropriate fee If you are using the United States Postal Service use this address International Registration BureauPO Box 2850 ESPAlbany , NY 12220 - 0850 International Registration BureauNYS DMVRoom 1366 Empire State PlazaAlbany , NY 12228  Transfer an IRP registration at the Customer Service Counter in Albany \nYou may bring the items described above to Customer Service CounterRoom 136Swan Street BuildingEmpire State PlazaAlbany , NY 12228 The office is open from 8:00am to 3:45pm, Monday through Friday, except state holidays  Transfer an IRP registration by fax \nFax the items described above to the IRB at518 - 486 - 6579  How much will the transfer cost? \nFees are calculated by member jurisdictions using different methods. The NY State IRB cannot calculate the amount of your bill until the transfer has been processed ", "When will the new registration expire? \nThe new registration expires on the same date as the original registration.  What if the new vehicle weighs more than the previous vehicle? \nIf the new vehicle weighs more than the previous vehicle , there are pro - rated registration fees for the difference in weight, administrative fees for the vehicle plate transfer and fees for any fee increases that may have occurred since the original registration was issued.  What should I do with the original cab card? \nThe original cab card for the vehicle being removed from your fleet must be sent to the IRB.  What if I do not transfer the registration immediately? \nIf you do not transfer the registration immediately , surrender the apportioned plates and cab card to the IRB. Your vehicle registration will be suspended if there is a lapse of liability insurance and the apportioned plates were not surrendered. The driver license of the registrant can also be suspended . See Section 9.0 of the NY State IRP Manual pdf [4] IRP-8 for complete instructions on registration transfers. In Part 1 , Type of Application Requested , check TRANSFER PLATES, and complete the Carrier, Fleet, Weight and Vehicle Information sections on the form If you apply by mail , send photocopies of your proofs of identity. If another person brings your application to the Customer Service Counter , see the requirements for a second - party registration application. ", "Do it by phone: \nYou can't transfer an IRP registration by phone. You may call the IRB with questions at 1 - 518 - 473 - 5834.  Do it by mail: \nYou can transfer your IRP registration by mail. Follow the instructions on this page and Schedule A&C [3] IRP-6.  Do it at the DMV: \nYou can transfer an IRP registration at the Customer Service CounterRoom 136Swan Street BuildingEmpire State PlazaAlbany , NY 12228 The Customer Service Counter is open 8:00am to 3:45pm, Monday through Friday, except state holidays You can't transfer an IRP registration at a DMV local office.  Do it by fax: \nYou can fax the items described on this page to the IRB at 518 - 486 - 6579.  Show \"do it online\" button in megamenu: \nTopic: \nMotor Carriers [5 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?:", "For information on how to change your address on DMV documents and records , see change address [1]. To change your email address , use the email reminders service [2].  Driver license, permit or non-driver ID \nYou must visit your local DMV office [3] and bring proof of the change.  If you plan on traveling \nWe recommend you come to the DMV now to get an Enhanced or REAL ID, and avoid a second office visit later. 1 Learn about Enhanced, REAL ID and Standard documents [4]. Complete this guide to make sure you have to correct proofs of identification you need. Also bring any additional information needed for your specific change listed below. Find your proofs [5 ]  Change name \nTo update a legal change of name on DMV records , bring these items to DMV office [3 ] a completed Application for Permit , Driver License or Non - Driver ID Card PDF [6] MV-44 your current license , permit or non - driver ID , or at least 6 points of proof of identity and [7 ] original or a certified copy of your U.S. marriage certificate, U.S. divorce documents or other court papers for a change of name issued in the U.S. 2 When you change your name on your driver license, permit or non - driver ID , you must update your photo.  Change date of birth \nIf your date of birth is not correct , bring proof of age as listed on proofs of identity and date of birth for NY State driver license, learner permit or non - driver ID [7]. ", "Change gender \nIf you had a gender change or you are transgender , bring a completed Application for Permit , Driver License or Non - Driver ID Card PDF [6] MV-44 your current learner permit , driver license or non - driver ID proof of a gender change 3  Correct an error \nIf we made an error on your document , use the Ask DMV a Question [8] service to request a correction. We may be able to correct it without you coming to a DMV office. There is no fee for a correction.  Change photo \nYou must go to a DMV office. When you renew there is no additional fee to update your photo When it is not time to renew Bring to a DMV office a completed Application for Permit , Driver License or Non - Driver ID Card PDF [6] MV-44 your current license, permit, or non - driver ID you must surrender the document $ 17.50 to update the photo on a license or permit , and $13 for a non - driver photo ID.  Make a reservation \nHave the proofs you need before you go to the office. For quicker service , make a reservation online before visiting offices in New York City, Westchester, Nassau, Suffolk, Rockland, Onondaga, Monroe or Albany Counties. For all other counties , see our office locations and hours [3]. Make a Reservation [9 ]  Fee \nFor amended permit or license : $ 12.50 For amended non - driver ID card : $ 5.00 4 ", "Once ordered, your new document will come in 2 weeks \nWe will give you a temporary non - photo driver license, learner permit or non - driver ID at the DMV. You will receive your new document in the mail in about 2 weeks. Check the mailing status [10 ]  Death of a family member \nIf your loved one has passed away , please mail a copy of the death certificate and a photo copy of their license or ID if you have it to the DMV. This will prevent further mailings or identity theft. DMV License Production BureauP.O. Box 2688 ESP Albany , NY 12220 - 0668  Vehicle registration and title \nChange name \nTo update your legal name , bring these items to your local DMV office [3 ] your current title or other acceptable proof of ownership [11 ] a completed Vehicle Registration / Title Application PDF [12] MV-82 your current license , permit or non - driver ID , or at least 6 points of proof of identity and proof of date of birth [13 ] original or a certified copy of your US marriage certificate, US divorce documents or other court papers for a change of name issued in the US 5 Print this checklist [14 ] There are special instructions to change the name on a title after lease buyout [15].  Change address \nFor information on how to change your mailing and residence addresses on DMV documents and records , see change address [1]. ", "Change other information \nYou must visit your local DMV office [3] and bring proof of the change. If you had a gender change or you are transgender , bring a completed Vehicle Registration / Title Application PDF [12] MV-82 your registration and title proof of a gender change 6  Correct an error on registration or title \nIf we made an error on your document , use the Ask DMV a Question [8] service to request a correction. We may be able to correct it without you coming a DMV office. There is no fee for a correction.  Make a reservation \nHave the proofs you need before you go to the office. For quicker service , make a reservation online before visiting offices in New York City, Westchester, Nassau, Suffolk, Rockland, Onondaga, Monroe or Albany Counties. For all other counties , see our office locations and hours [3]. Make a Reservation [9 ]  Fee \nThere is no fee to change your name on your registration documents and title certificate.  When you will get your new registration and title \nWe will give you new registration documents immediately when you apply. Allow 60 to 90 days for your new title to arrive in the mail. Starting in October 2020 , you will need an Enhanced or REAL ID to board a domestic flight unless you have a passport. If your license, permit, or ID was issued before October 30 , 2017 and is not Enhanced , you have a Standard document. Newly issued Standard documents state : ' NOT FOR FEDERAL PURPOSES'. Regardless of the genders of you and your spouse , if your marriage certificate shows both your spouse's surname and your former surname , you may change your middle name to your former surname or chose a different middle name and change your surname to your spouse's surname This can be in the form of a written statement from a physician, psychologist, psychiatrist or other appropriate professional that is printed on letterhead. The statement must certify that one gender is your main gender and that you identify as male or female. An appropriate professional can include but is not limited to a Life Counselor, a Clinical Social Worker or other professional who is overseeing the change in gender. If you have a 10-year non - driver ID , are age 62 or older and a recipient of Supplemental Security Income SSI there is no fee. Regardless of the genders of you and your spouse , if your marriage certificate shows both your spouse's surname and your former surname , you may change your middle name to your former surname or chose a different middle name and change your surname to your spouse's surname This can be in the form of a written statement from a physician, psychologist, psychiatrist or other appropriate professional that is printed on letterhead. The statement must certify that one gender is your main gender and that you identify as male or female. An appropriate professional can include but is not limited to a Life Counselor, a Clinical Social Worker or other professional who is overseeing the change in gender.", "Register a vehicle when you are out-of-state[1] \nHow can I register while I am outside of New York State? \nYou can apply for a New York State registration and a title certificate by mail from outside of New York. You will need to mail these items to a local DMV office [2] 1 a completed Vehicle Registration / Title Application PDF [3] MV-82 proof of ownership 2 must be original; we don t accept photocopies proof of NY State automobile liability insurance 3 proof of identity and age 4 send us photocopies; don t send us your original documents payment for sales tax see sales tax information [4 ] You must contact the motor vehicle agency in the other state to determine if their laws require that you register your vehicles there. The definition of \" resident \" is different in each state. Read the NY State definition of' resident. ' Once we process your application , we will send you these items in one package your registration documents your vehicle plates a 10-day Inspection Extension Sticker VS-1077 Put the 10-day Inspection Sticker on your vehicle when you enter New York State not before. Mark the box on the sticker that indicates you entered New York , and write the date you entered. We will send you your title certificate separately. Allow up to 90 days to receive it from us.  When will I get my documents? \nAllow 6 weeks for your registration documents to arrive by mail. Allow 90 days for your title certificate to arrive. It will take longer to receive your documents if you are outside of the United States. ", "Can I get registration documents by express mail? \nYes. To do this , enclose a pre - paid, pre - addressed express mail package with your application. Make sure the package can contain vehicle plates.  Can I have my registration sent to an address that is different from my registration document? \nYes. Include a separate note with your Vehicle Registration / Title Application PDF [3] MV-82, and clearly print the alternate address. Do not write the alternate address on your application. If you do , DMV will prints the alternate address on your registration document and registration record.  Can I have my title certificate sent to an address different from my registration? \nNo. The DMV sends the title certificate to the mailing address on your registration application. The DMV cannot send the title certificate to another address.  My vehicle is coming from another country. What do I need to do? \nRead the instructions for how to register an imported [5] vehicle.  Can another person submit my registration application at a DMV office for me? \nYes. Read the instructions for how to register a vehicle for someone [6] else to learn how to do this. We recommend sending any original documents by insured or priority mail. It can be difficult to replace documents that are lost in the mail. For cars, trucks and motorcycles that are model year 1973 or newer , proof can be either a NY State Certificate of Title the original or a certified copy, not a photocopy acceptable proof of ownership from any other state the original or a certified copy, not a photocopy See acceptable proofs [7] for other vehicles older than 1973, manufactured homes, boats, trailers, ATVs, snowmobiles, gifted vehicles, vehicles with deceased owners. Your insurance company will: 1) give you 2 barcoded original NY State Insurance ID cards (see a sample [8]) or provide you with access to your digital electronic NY State Insurance ID Card 2) send an electronic notice of insurance coverage to the DMV (your insurance agent or broker cannot file this notice) Your NY State Insurance ID cards and the electronic notice together verify your coverage. We need both. You must register your vehicle within 180 days of the effective date on your Insurance ID Card. Bring one copy or form of your Insurance ID Card with you. The DMV office will keep the paper card. Keep the other paper card with the vehicle as your proof of insurance. Anyone operating your vehicle must be able to provide proof of insurance. Learn more about NY State Insurance Requirements [9]. You must be at least 16 years old except for ATV registrations. A NY State Driver License, Learner Permit, or Non - Driver ID card that is current or not expired for more than 2 years can serve as proof of both identity and age . If you don t have one of these, see other kinds of proof [10] you can use. Most states allow a non - resident to register a vehicle. It can be easier to apply for a vehicle registration and title certificate in the other state. If you are traveling and your registration expires , you should determine if the other state can issue an \" in - transit \" permit, which allows you to transport a vehicle to New York so that you can register it. Definition of New York State Resident Section 250 5 of the Vehicle and Traffic Law defines the term' resident. ' The law defines a resident as a person who lives in NY State with the intent to make NY State a \" fixed and permanent \" place to live. To live in a house, a home, an apartment, a room or other similar place in NY State for 90 days is considered \" presumptive evidence \" that you are a resident of NY State. A police officer can use this evidence as the reason to issue a traffic ticket if you drive in NY State without a driver license or vehicle registration issued by NY State. A judge considers the law and the evidence of your intent and decides if you are a resident of NY State. For example , if you pay taxes or your children attend school in another state , a judge considers these facts to decide if your intent is to make NY State a \" fixed and permanent \" residence. The DMV will not decide if you are a resident of NY State, if you must get a NY State driver license, or if you must register your vehicle in NY State. According to this law , students from other states or from other nations who attend school in NY State are normally not considered residents of NY State. ", "Do it by mail: \nMail your completed registration application , additional documents and payment to a DMV office [2].  Show \"do it online\" button in megamenu: \nTopic: \nRegistration [11 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "How to check a title or lien status[1] \nDo it online \nYou can check the status of vehicle titles and liens online. Sorry , the service is not available for boat titles. The status check service displays the title was issued by DMV 1 the date the number of liens if any the name and address of the lienholder The service does not display any personal information about the vehicle owner or registrant. You must provide the Vehicle Identification Number VIN vehicle model year vehicle make (i.e. Ford, Jeep ) This information can be found on your vehicle's registration documents see a sample [2]. Check a title or lien status online [3 ] Please note , it can take up to 90 days to receive the title certificate from the DMV in the mail. If it has been over 90 days , you still have not received your title , Email the DMV to check your title status [4 ]  Lien not listed \nTo have a lien recorded on a Certificate of Title , you must submit a request either through a dealer or directly to NY State DMV pay the required lien filing fee If you did that, but did not see your lien listed when you checked the status of the title certificate on this website , or if you learned from another source that the lien is either not recorded or not pending , please notify DMV immediately by completing and emailing a Customer Lien Inquiry pdf [5] MV-910 to the email address shown on the form. ", "Customer Lien Inquiry (MV-910) \nProvide your Contact Information if you are a lending institution, please include your lien filing code. Provide complete and accurate information for the vehicle or boat in question. If the version of Adobe does not allow you to save the information you typed , you can print the form and fax it to 518 486 - 6581. Click on the email address shown on the form to open an email, or open an email and paste the address into the To line. Attach the completed form to the email and send it. use this form or the email to request any other type of information or service from DMV we will disregard anything not related to a possible missing lien However , if you have questions or issues on any other matter , see how to contact us [7]. What to expect DMV staff will respond to your request as soon as possible. We must first identify the vehicle or boat and verify its title status. Then we must retrieve and review the application forms to determine the appropriate response. Please note that these activities take time. If your lien has not been recorded, and the correct form and fee have been filed , we will record your lien and send you a Notice of Recorded Lien MV-901. If we do not have the correct form and fee to record your lien , we will contact you to let you know what is needed. The issue date is the date the DMV prints the title certificate. The DMV mails the certificate after it's printed. ", "Show \"do it online\" button in megamenu: \nTopic: \nRegistration [8 ]  show mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "Proof of sales tax payment or sales tax exemption, or purchase price \nWhen you register a vehicle in New York at a DMV office , you must either pay the sales tax prove that sales tax was paid your vehicle registration is exempt from sales tax prove You probably also will need to pay county use tax when you register. See estimate registration fees and taxes [1] for information about county use taxes. You must get a sales tax receipt from the DMV even if the transaction is exempt from sales tax. Here are specific instructions If the name on the NY State Title Certificate will not change , sales tax forms and proofs are not required. See information below if you were not a NY State resident when you purchased the vehicle. If you bought the vehicle from a NY State automobile dealer or an out - of - state dealer that is authorized to collect NY State sales tax , bring the dealer's bill of sale that shows that you paid NY State sales tax. Also bring a Dealer s Bill of Sale MV-50 NY State dealer only or a completed Sales Tax Exemption {Sales Tax Form} pdf [2] at NY State Department of Tax and Finance DTF-803 for an out - of - state dealer. If NY State sales tax was paid to a NY State dealer , the DMV does not collect sales tax when you apply for a vehicle registration , and the DMV does not issue a sales tax receipt. If you bought your vehicle from another person in a private sale , both you the buyer and the seller must complete the Statement of Transaction {Sales Tax Form} pdf [3] at NY State Department of Tax and Finance DTF-802. Bring the form to a DMV office. The DMV calculates and collects the sales tax, and issues a sales tax receipt. If you leased the vehicle , see register a leased vehicle [4]. If the vehicle was a gift or was purchased from a family member , use the Statement of Transaction {Sales Tax Form} pdf [3] at NY State Department of Tax and Finance DTF-802 to receive a sales tax exemption. If you paid out - of - state sales tax , show the out - of - state dealer bill of sale. The bill of sale must show the purchase price and the amount of out - of - state sales tax paid to the dealer. Use Sales Tax Paid in Another State {Sales Tax Form} pdf [5] at NY State Department of Tax and Finance DTF-804 form to claim credit for the state and local sales taxes you paid in the other state. This process can reduce the amount of your NY State sales tax if NY State and the other state have an agreement about sales tax. Not all states have an agreement with New York. See DTF-804 page 2. If you were not a resident of New York when the vehicle was purchased , use form Sales Tax Exemption {Sales Tax Form} pdf [2] at NY State Department of Tax and Finance DTF-803 to receive a non - resident exemption from NY State sales tax. Form DTF-803 defines the terms \" non - resident \" and \" resident \". If you are a member of the U.S. Armed Forces and you do not reside in New York , you can defer your sales tax payment. Complete form Sales Tax Exemption {Sales Tax Form} pdf [2] NY State Department of Tax and Finance DTF-803 if you are a NY State resident you are now a member of the U.S. Armed Forces you do not now reside in NY State or keep a residence in NY State The Sales Tax Exemption DTF-803 form provides information and the definitions to defer your sales tax. You must pay the sales tax when you leave the Armed Forces or you return to New York. ", "Where can I get more information about sales tax? \nFor more information , visit the NY State Department of Taxation and Finance website [6].", "Get an Accident Report[1] \nDMV keeps accident reports for only 4 years from the date of the accident, except for rare instances that are described in Vehicle and Traffic Law Section 201.  How can I get a copy of an Accident Report? \nBy mail \nUse the Request for Copy of Accident Report PDF [2] MV-198C to order a copy of an accident report by mail. the plate number of a vehicle involved in the crash / accident , and/or the driver license number of a person who was involved in the crash / accident , and/or the name and date of birth of a person who was involved in the crash / accident Accident reports are certified copies. If DMV cannot find an accident based on the information you provide , you will be notified by DMV in a certified letter.  Online \nTo order a copy of an accident report in PDF format , use the Order and Access Motor Vehicle Accident Reports online [3] transaction. Before you order online , please read the following information : Accident reports available through this transaction are certified copies that include an attestation and signature of the Commissioner of Motor Vehicles. To place an order , you will need one of the following : the plate number of a vehicle involved in the crash / accident , and/or the driver license number of a person who was involved in the accident , and/or the 8-digit DMV case number starts with the number 3 You can access an accident report that you purchased online within the last 7 calendar days. No fee is charged to access a report that you previously purchased. Enter your email address and the Report Confirmation Number the number that displayed during the report purchase transaction and was emailed to you in the transaction confirmation. enter the Search Confirmation Number. Note : Some customers have experienced problems downloading PDF documents [4] from our website. Make sure your operating system and web browser have been updated with all recent updates. ", "How long after an accident does it take for the report to be available? \nIf the accident was filed electronically by police or occurred in one of the five boroughs of New York City , allow at least 14 days from the date of the accident before you search for the report. If a paper form was used by police to report the accident , allow at least 30 days from the date of the accident before you search for the report. be named on the accident report , or represent a person named on the report , or be a party to a civil action that arose from the accident , or represent a person who is a party to a civil action that arose from the accident.  How much do I need to pay? \nSearch fees are required by law see Vehicle and Traffic Law Section 202.  By mail \nYou must pay a required search fee of $10.00 and an additional report fee of $15.00 for each accident report that you order by mail. The cost is less when you order your accident report online.  Online \nYou must pay a required search fee of $7.00 and an additional report fee of $15.00 for each accident report that you order online. The system will charge you separately for the search fee and for each report. You will receive a confirmation email for each transaction. Note: You can do a free limited search to see if your report is available see screenshot example below. The system provides a list of accidents by date and county. Search for the plate number to see if the report is available. If you submit a search by county and date , but you do not select any reports , the search fee is not charged. Order and Access Motor Vehicle Accident Reports online [3 ] ", "Can I access accident reports I already purchased online? \nYes. If you purchased accident reports online within the last 7 calendar days , you can access the reports again [5]. Enter the Report Confirmation Number displayed during the report purchase transaction and emailed to you in the transaction confirmation. enter the Search Confirmation Number. Then , enter the email address you entered during the previous transaction. No fee is charged to access the reports you purchased previously. you purchased online in the last 7 days [5 ] Access reports  Show \"do it online\" button in megamenu: \nTopic: \nDMV Records [6 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "Exchange your out-of-state driver license[1] \nYou must exchange your - out - state driver license from another U.S. state or territory, federal district or Canadian province within 30 days of becoming a resident of New York. Your out - of - state license must have your photograph be valid or expired less than 24 months have been issued at least 6 months before you apply for a New York license unless it is commercial driver license that has been valid for any amount of time 2 You cannot exchange your license if it is suspended or revoked 3 lost or stolen 4 a hardship or an \" employment only driver license \" 5 marked \" non - renewable \" or \" non - transferable \" 6 Your New York license will be valid for 5 years.  At the DMV \nThis transaction can only be processed in person, at a DMV office. You will need to pass a vision test at the DMV or bring a completed Eye Test Report PDF [2] MV-619 surrender your out - of - state license, unless it is lost or stolen bring proof of identity Complete this guide to make sure you have the documents and proofs of identity you need. Find your proofs [3 ] We will give you a temporary non - photo license document. Allow 2 weeks for your new license to arrive in the mail. For quicker service , make a reservation online before visiting offices in New York City, Westchester, Nassau, Suffolk, Rockland, Onondaga, Monroe or Albany Counties. For all other counties , see our office locations and hours [4]. Make a Reservation [5 ] * Residents of these counties must pay the Metropolitan Commuter Transportation District MCTD fee $10 : Bronx, Kings Brooklyn , New York Manhattan , Queens , Richmond Staten Island , Dutchess , Nassau , Orange , Putnam , Rockland , Suffolk and Westchester. Enhanced documents have an additional $30.00 fee. We accept cash most credit, pinless debit or prepaid cards American Express, Discover Card / Novus, MasterCard, VISA a personal check or a money order payable to ", "Additional information \nI am studying in New York State. Do I need a New York State driver license? \nStudents from other states, countries or nations who attend school in New York State are normally not considered residents of New York State, so they don t need to exchange their current driver license. Normally, you can t have a NY State driver license and a driver license from another state at the same time , but there are exceptions. However , it is a violation of Federal law to hold more than one commercial driver license CDL.  Drivers from other countries \nYou can drive in New York State with a valid driver license from another country. You do not need to apply for a New York State driver license unless you become a New York State resident. To get a New York State driver license , you must pass a written test, complete a 5-hour pre - licensing course and pass a road test. See Get a driver license [6]. When you pass your road test , you must give your foreign driver license to the DMV road test examiner. The local DMV office will destroy your foreign driver license after 60 days. If you plan to return to your home country and will need your foreign driver license , ask the road test examiner how to make sure that your foreign driver license is not destroyed. The DMV has additional resources for drivers from other countries [7]. To live in a house, a home, an apartment, a room or other similar place in NYS for 90 days is considered \" presumptive evidence \" that you are a resident of New York State. A police officer can use this as evidence to issue a traffic ticket if you drive in New York State without a New York State driver license or vehicle registration. A judge considers the law and the evidence of your intent and decides if you are a resident of New York State. If you pay taxes or your children attend school in another state , a judge considers these facts to decide if your intent is to make NYS a \" fixed and permanent \" residence. According to this law , students from other states or from other nations who attend school in New York State are usually not considered residents of NYS. DMV does not decide if you are a resident of New York State, if you must get a NYS driver license, or if you must register your vehicle in New York State. If your out - of - state photo driver license does not show the date it was issued, get a certified driver license record or letter from the state that issued the license that indicates the date of issue. If you cannot get a letter or abstract , you must apply for a new, original driver license. See Get your first driver license [6]. If your out - of - state driver license or Canadian driver license is suspended or revoked , you cannot apply for a NY State driver license. You must remove the suspension or revocation and bring to a NY State DMV office a valid driver license that meets the requirements listed above. be a photo driver license show that your out - of - state driver license was valid for at least 6 months Instead of a replacement driver license , you can apply to the previous state for a letter or certified driver abstract. The letter or abstract must be an original document on the letterhead of the agency that issued your driver license before you submit the letter or driver abstract to us issued by the other state within six months the letter or driver abstract must contain all of the following information your name , address , date of birth and driver license identification number the type or class of driver license and any restrictions a list any convictions, suspensions or revocations the date your driver license was issued and the expiration date of your most recent driver license A letter or driver abstract has no value as proof of identity or date of birth. You must apply for an original NY State driver license [6]. You must apply for an original NY State driver license [6]. ", "Show \"do it online\" button in megamenu: \nTopic: \nDriver License [8 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "How to change your address[1] \nUpdate the address on your license, permit, or ID, vehicle registration and title \nIf you move , you must report a change of residence address on your license, permit, non - driver ID or vehicle records to the DMV within 10 days. Be aware that changing your address with the U.S. Postal Service USPS does not update your DMV records 1 when you change your address for a vehicle registration , we also update the title certificate record you do not need to order new DMV documents with your new address 2 updating your address for a traffic ticket does not update your address on other DMV records 3 There are instructions to change your name or other non - address information [2].  Online through MyDMV \nTo change the address on your license, permit, non - driver ID and/or registration, you will need the ID number and document number from your New York State driver license , learner permit , or Non - Driver ID If you lost your document, renewed or ordered a new one recently and have not received it in the mail yet , you will need to wait for it to arrive before you can create a MyDMV account. You can still change your address. [3]  By mail \nTo change your license, permit, non - driver ID and/or the address on your registration, mail a completed Address Change pdf [4] MV-232 form to NYS DMV License Production BureauPO Box 2895Albany , NY 12220 - 0895 If you want to replace your documents , be sure to include payment. You can find payment information on the Change Address MV-232 form. ", "At a DMV office \nUnless you need to change your name or you want a new photo on your license or non - driver ID , there is no need to come to a DMV office. If you still want to go to an office , bring a completed Address Change pdf [4] MV-232 form with you. If you want to replace your documents , be sure to bring payment for the fees.  Additional information \nYou can have different addresses on your license and registrations \nThe DMV sends documents and important notices to customers by mail. We recommend that you use the same address on all of your applications, documents, and transactions. You must report your address change to both the DMV and the USPS. When you change your address , you can write your new address on the back of your driver license, non - driver ID card or learner permit, and on the front of the registration document carefully draw lines through the old address. Do not write the new address on a title certificate. If you update your address for a Traffic Violations Bureau TVB traffic ticket transaction , the update does not change the address on your driver license, non - driver ID, permit, or vehicle registration records. If you update the address for your driver license , non - driver ID, permit, or vehicle registration records , the update does not change the address for your traffic ticket. ", "Show \"do it online\" button in megamenu: \nTopic: \nAddress Change [5 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "Order picture and professional plates[1] \nYou can order picture or professional plates for passenger vehicles, commercial vehicles and motorcycles. Many picture or professional plates can also be personalized [2]. You can browse our collection of picture and professional plates and order online directly from the pages below. The categories are : I Love NY Adventure [3 ] Sports [4 ] Military and Veterans [5 ] Counties and Regions of NY State [6 ] Colleges , Fraternities , Sororities [7 ] Causes [8 ] Professions [9 ] Organizations [10 ] Motorcycle Plates [11 ] Learn more about picture and professional plates. [12]  Order online \nYou can order many picture plates online, see the list above for more information on how to order a plate. If you wish to purchase plates for people with disabilities that have the Universal Symbol of Access , you must contact the Custom Plates Unit. All professional and military / veteran plates, and some organization picture plates require you to provide proof or certification that you are eligible. These plates must be ordered through the organization or the Custom Plates Unit. To order picture or professional plates online : You must have a valid New York State vehicle registration in the passenger, commercial or motorcycle registration class that does not expire within 60 days. The mailing address on your vehicle registration record must be your current mailing address. Your vehicle registration record must match your current name if your name has changed. You must provide your current plate number, the 3-letter registration class code and the first three letters of your last name. See a sample registration document. [13] You must have a credit card that DMV accepts, and a valid email address for confirmation purposes. ", "Order by mail \nTo order picture or professional plates by mail , use the Application for Custom Plates pdf [14] CP-30. Mail the completed form and your payment to : NYS DMV Custom Plates UnitP.O. Box 2775Albany , NY 12220  Order by phone \nYou can order by phone, however it s faster and easier to do it online. Call the Custom Plates Unit at 1 - 518 - 402 - 4838. Office hours are 8:00am - 4:00pm, Monday through Friday.  Order at a DMV office \nYes , but you can save yourself trip. It s faster and easier to do it online. Find a DMV office. [15] Professional plates can only be ordered from the Custom Plates Unit with proper proof or certification.  Receiving custom plates and registration \nIn approximately 10 days or less after your order is processed , you will receive new documents that show your current plate number and your new plate combination. Allow at least six weeks for the custom plates to arrive. Your new registration documents will be mailed separately from your new custom plates If you do not receive your registration documents within two weeks or your custom plates within six weeks , contact the Custom Plates Unit at 1 - 518 - 402 - 4838. Office hours are 8:00am - 4:00pm, Monday through Friday. Check my plate order mailing status. [16]  Destroy your old plates \nOnce you receive your new plates you will want to destroy your old plates to protect against the fraudulent use. Mark each vehicle plate with a permanent marker. Do not put both vehicle plates in the recycling / garbage on the same day. You can t order picture or professional plates before your vehicle is registered, when renewing your registration, or before transferring a registration. You must have a registration windshield sticker, receipt and regular series plates issued by DMV before ordering picture or professional plates. Call the Custom Plates Unit at 1 - 518 - 402 - 4838. Office hours are 8:00am - 4:00pm, Monday through Friday. If your registration expires within the next 60 days , renew your registration [17] before you order picture or professional plates. Change your address online [18] before ordering picture or professional plates. You must visit a DMV office [15] to change your name on all DMV records and documents. Learn more about how to change your name [19]. We accept American Express, Discover, MasterCard and VISA. Some picture plates can t be purchased by mail. Some plates are not available by phone. Professional, emergency services and some organization plates are limited to membership and must be ordered through the organization or directly from the Custom Plates Unit, with documentation. Call the Custom Plates Unit at 1 - 518 - 402 - 4838. Office hours are 8:00am - 4:00pm, Monday through Friday. ", "Common Tasks: \nShow \"do it online\" button in megamenu: \nTopic: \nPlates [20 ]  show mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "Pay driver civil penalty[1] \nA driver civil penalty is a fine you must pay to DMV for certain offenses before your license or driving privilege can be restored after a suspension or revocation. This fine is in addition to any other fines, penalties or surcharges that you must pay for a traffic conviction. The purpose of the driver civil penalty is to prevent the repeated behavior of problem drivers and to improve traffic safety. The quickest and easiest way is to pay a driver civil penalty online [2].  Who must pay? \nYou must pay a driver civil penalty if your driver license or driving privilege was suspended or revoked because you violated the NY State Zero Tolerance Law for drivers under age 21 see Penalties for alcohol or drug related offenses [3 ] or , if your driver license or driving privilege was revoked because you refused to take a chemical test for alcohol or drugs you operated or permitted the operation of a motor vehicle without automobile liability insurance you operated a motor vehicle involved in a traffic crash and the vehicle was not covered by automobile liability insurance  Penalty amount \nThe amount depends on the reason for the suspension or revocation. You may owe more than one civil penalty.  Pay online \nYou can pay with a credit or debit card. 7 Your name and address on DMV records must be correct. Create a MyDMV account [4] to verify or change your address. ", "You must provide \nthe last four digits of your Social Security Number your DMV ID Number Client ID Number from your NY State driver license , learner permit or non - driver photo ID card see where to find information on your driver license [5], or your full name , date of birth and gender If your driver license is revoked , your payment of the driver civil penalty does not restore your privilege to drive. You must request and receive approval from DMV [6] to restore your license or driving privilege unless your revocation was for an uninsured accident. If your revocation was for an uninsured accident , you must contact the DMV Insurance Services Bureau. If you are suspended for a violation of the Zero tolerance law , you must wait until the suspension period ends, pay a suspension termination fee and have a valid driver license before you can legally drive. To check if you have a valid driver license, create a MyDMV account [4] and use our My License, Permit or ID service.  You can pay more than one civil penalty online at a time \nYou are not required to pay all of your civil penalties in one transaction , but you cannot be approved for a new driver license or restoration of your driving privilege until you pay all the civil penalties you owe. You can return to the transaction later to pay additional civil penalties. Pay a driver civil penalty online [2 ] ", "By mail \nTo pay a driver civil penalty by mail for uninsured operation or uninsured accident , send a certified check, personal check or money order payable to Commissioner of Motor Vehicles to : Insurance Services BureauNYS DMV6 Empire State Plaza, Room 332BAlbany, NY 12228 To pay a driver civil penalty by mail for a chemical test refusal or violation of the Zero Tolerance Law , send a certified check or money order payable to Commissioner of Motor Vehicles to : Driver Improvement UnitNYS DMV6 Empire State Plaza , Room 338Albany , NY 12228 474 - 0774 , Option #5 Phone Hours: M - F , 8:30 Noon FAX 518 474 - 6208  At a DMV office \nYou can pay the driver civil penalty at the office listed on your suspension or revocation order , but it s much faster and easier to pay online. if the order was issued between January 1 , 1981 and June 30 , 1990 , the civil penalty is $100 if the order was issued between July 1 , 1990 and October 31 , 1996 , the civil penalty is $200 if the order was issued between November 1 , 1996 and October 31 , 2006 , the civil penalty is $300 if the order was issued between November 1 , 1992 and October 31 , 1996 , the civil penalty is $250 if the order was issued between November 1 , 1996 and October 31 , 2006 , the civil penalty is $350 if the order was issued between September 1 , 1983 and June 30 , 1990 , the civil penalty is $250 if the order was issued between July 1 , 1990 and October 31 , 1996 , the civil penalty is $500 if the order was issued between July 1 , 1990 and October 31 , 1996 , the civil penalty is $500 if the order was issued between June 1 , 1972 and April 30 , 1989 , the civil penalty is $300 if the order was issued between May 1 , 1989 and May 14 , 2003 , the civil penalty is $500 if the order was issued between June 1 , 1972 and April 30 , 1989 , the civil penalty is $300 if the order was issued between May 1 , 1989 and May 14 , 2003 , the civil penalty is $500. The DMV accepts : American Express Card Discover Card /Novus MasterCard MasterCard Debit card without personal identification number PIN VISA Card Visa Debit Card without personal identification number PIN Contact Information : Insurance Services BureauNYS DMV6 Empire State Plaza, Room 332BAlbany, NY 12228 ", "Show \"do it online\" button in megamenu: \nTopic: \nTickets [7 ]  show mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "A picture or professional plate is a vehicle plate that has the words \" New York \" contained in a blue banner, and a picture or logo next to the plate number. Some personalized [1] picture plates are available for an additional fee. You can browse the available styles of picture and professional plates online. The categories are : I Love NY Adventure Plates [2 ] Sports [3 ] Military and Veterans [4 ] Counties and Regions of NYS [5 ] Colleges , Fraternities , Sororities [6 ] Causes [7 ] Professions [8 ] Organizations [9 ] Motorcycle Plates [10 ]  Cost of picture and professional plates \nOur picture and professional plates have a variety of prices. You can browse the available styles using the categories above to find detailed pricing information on the plate you re interested in.  Privileges of professional plates \nCustom plates reserved for professional groups and emergency services organizations serve to identify the registrant as a member of that group. The plates come with no special rights or privileges.  Standard series plates to replace picture or professional plates \nTo exchange custom plates for standard series plates complete a Vehicle Registration / Title Application pdf [11] MV-82 bring the form, the plates and your NY State Driver License to a DMV office [12 ] pay a one - time plate exchange fee of $28.75 , and surrender your plates We will then issue your vehicle a set of standard series plates. ", "If I remove a vehicle from the road, can I keep my picture or professional plates? \nYes. You can store your picture or professional plates at most DMV offices. Find a DMV office. [12] You will receive a receipt form FS-6 T when you surrender your plates. Verify the information listed on the receipt, make sure that the receipt displays the words \" Stored at Local Office, and keep this receipt. We will indicate on the registration record that the vehicle plates have been stored. To register the vehicle again, or to use your stored picture or professional plates to register another vehicle , you must visit the office that has your vehicle plates. Make sure that you bring the receipt form FS-6 T and the other documents required to register your vehicle.  New picture plate developed for a group or organization \nA detailed information packet about the custom plate picture plate development program, including the Request for the Development of Custom Plates pdf [13] MV-415 is available here. Professional plates do not entitle you to any special parking privileges unless the city, town or village where you park your vehicle has granted such privileges. For more information , contact your local police or parking enforcement agency, or the agency that is responsible for parking regulations. You will no longer pay the custom plate fees when you renew your registration. If your registration is in the first year of a two - year registration , you must submit a Request for refund or fee paid for motor vehicle registrations and driver licenses pdf [14] MV-215 to apply for a refund of the balance of the fee. A processing fee of $1.00 is subtracted from your refund. You will not receive a refund if the registration expires in less than one year. The policy to store vehicle plates is different in each office.", "The Graduated License Law and Restrictions for Drivers under 18[1] \nIn addition to the learner permit restrictions that apply to everyone [2], the Graduated License Law places restrictions on drivers under 18 years of age who have a junior learner permit or junior driver license Class DJ, MJ or DJMJ. The restrictions depend on whether you have a junior learner permit or a junior driver license where and when you will be driving in New York State If you do not comply with these restrictions , your junior learner permit or junior driver license could be suspended or revoked for 60 days.  Where will you be driving? \nYour driving privileges will vary depending on which of the following three geographic regions you will be driving in Upstate New York which is defined as any county north of the NYC border New York City which is defined by the five Boroughs Long Island which includes Nassau and Suffolk County  Map of Regions \nWhat is the difference between junior learner permit or a junior driver license? \na junior learner permit allows a young driver to drive only while supervised depending on the region in which you are driving , a junior driver license , may allow a young driver to drive unsupervised with certain restrictions.  Can I drive outside of New York State with a junior learner permit or a junior driver license? \nYou may drive outside New York State with your NY State junior learner permit or junior driver license if it is allowed by the laws of the other state. You must obey the junior permit and license restrictions that apply in that state. Check with the police or motor vehicle authorities in the state you will visit. ", "Can I drive in New York State with a learner permit, junior learner or junior driver license from another state? \nIf you are under age 16 , you cannot drive in New York State, even if you hold a permit or license issued by another state. If you are age 16 or older and hold a learner permit, junior learner permit, or junior driver license from outside New York State , you must obey any restrictions imposed by the state that issued your permit or driver license , and the New York State general learner permit restrictions [2] and , if you are under age 18 , the regional junior learner permit and junior driver license restrictions explained on these pages Make sure your learner permit or driver license is valid to drive outside your home state before you drive in New York State.  Can I get a class D or M license if I am under 18? \nIf you are 17 , you are eligible for a senior driver license Class D or M if you have a junior driver license or limited junior driver license and have completed a state - approved high school or college driver education course. To change your junior license to a senior license , bring your junior license and the Student Certificate of Completion MV-285 that you received from your instructor to any DMV office [3]. You must return your certificate and junior license to receive the senior license. If you do not change your junior license to a senior license , you are subject to the restrictions for junior drivers until you are age 18, even if you carry the completion certificate with you. You can also give your certificate with your junior permit to the license examiner at your road test. You will automatically receive a senior license when you become eligible. ", "Topic: \nYounger Driver [4 ]", "Replace or transfer personalized plates[1] \nHow do I replace or transfer personalized plates? \nThere are a variety of circumstances in which you can replace or transfer personalized plates.  Can I replace personalized plates that are old or damaged? \nYes , for a fee. To replace your personalized plates that are old or damaged , you must call the Custom Plates Unit at 1 - 518 - 402 - 4838. Office hours are 8:00am - 4:00pm, Monday through Friday. The fees are $28.75 for passenger vehicle plates, and $18.75 for motorcycle plates.  Can I replace the personalized plates I have now with different personalized plates or personalized picture plates? \nYes , for a fee. To replace your current personalized plates with new custom plates or personalized plates , you must call the Custom Plates Unit at 1 - 518 - 402 - 4838. Office hours are 8:00am - 4:00pm, Monday through Friday.  I have a personalized picture plate, and want to replace it with a different picture plate. Can I keep my current personalized combination and use it on my new picture plate? \nIf the category of plate you want allows personalized combinations containing the number of characters on your current plates , you may have the combination on your new custom plates. Most picture plates require a $31.25 annual personalized fee in addition to the $31.25 custom plate fee. You must also pay a plate fee for the new plates , but you will get credit for the custom plate fees you already paid on your current registration. Contact the Custom Plates Unit at 1 - 518 - 402 - 4838. Office hours are 8:00am - 4:00pm, Monday through Friday. ", "Can I transfer a current set of personalized plates to a new vehicle that I plan to purchase? \nYes. If the registrant and registration class will not change , instruct the automobile dealer to transfer your personalized plates to your new vehicle. If you purchase the vehicle from a private person , ask the DMV to transfer your personalized plates when you register the vehicle.  If I remove a vehicle from the road, can I keep my personalized plates? \nYes. You can store your personalized plates at most DMV offices. Find a DMV office. [2] You will receive a receipt form FS-6 T when you surrender your personalized plates. Verify the information listed on the receipt, and make sure that the receipt displays the words, \" Stored at Local Office, and keep this receipt. We will indicate on the registration record that the vehicle plates have been stored. To register the vehicle again, or to use your stored personalized plates to register another vehicle , you must visit the DMV office that has your vehicle plates. Make sure that you bring the receipt form FS-6 T and the other documents required to register your vehicle. For example : You have IMJOE standard series personalized plates, with an annual fee of $31.25 $62.50 per two - year registration. You order IMJOE on a picture plate e.g., NASCAR, Yankees and pay the $62.50 annual custom plate fee $125 at the next two - year renewal in addition to other renewal fees, plus plate and document fees. The online custom plate order system cannot give you credit for the custom plate fees you have already paid on your current registration , but the Custom Plates Unit can. The policy to store vehicle plates is different in each office. ", "Do it by phone: \nYou must replace or transfer personalized plates by phone. Call the Custom Plates Unit at 1 - 518 - 402 - 4838. Office hours are 8:00am - 4:00pm, Monday through Friday.  Do it by mail: \nYou can t replace or transfer personalized plates by mail.  Do it at the DMV: \nYou can t replace or transfer personalized plates at the DMV.  Show \"do it online\" button in megamenu: \nTopic: \nPlates [3 ]  show mydmv button in megamenu: \nDisable this transaction?:", "What is a TNC? \nTNC stands for transportation network company, a term defined in a recently enacted part of the State Vehicle & Traffic Law. A TNC is a business, also known as a \" rideshare company \", licensed by DMV to use a digital network to connect passengers to TNC drivers for prearranged trips.  How do I become a TNC driver? \nContact one of the New York State licensed TNC companies. Lyft and Uber are currently licensed by DMV.  Is there an age and licensing requirement to be a TNC driver? \nYes , by statute , TNC drivers must be at least 19 years old and hold a valid and current NYS driver s license issued by DMV.  Does my vehicle need to be authorized for TNC use? \nNot by DMV. But TNC companies may have requirements on the vehicles they allow.  If I have a car loan, will my vehicle lender allow me to use my personal vehicle to drive for a TNC? \nYou should read your lending agreement and contact your lender, as any such limitations are a matter of private contract, not the TNC Act or regulations.  Can I use a taxi or livery vehicle to drive for a TNC? \nNo. The TNC Act prohibits taxis, livery vehicles, limousines or licensed for - hire vehicles from being used as a TNC vehicle.  What are the insurance requirements for a TNC driver? \nTNC companies will make sure TNC drivers understand and have the required insurance. If you are interested in being a TNC driver , you should contact a TNC you are interested in working with. ", "May a driver be authorized by more than one TNC? \nThat is up to the TNC you want to work for, as there is no legal limit to driving for more than one TNC.  If I am an authorized TNC driver, may I pick up passengers in New York City? \nNo , not unless you are separately authorized by the New York City Taxi & Limousine Commission: www.nyc.gov/taxi [1].  If I am an authorized TNC driver, may I drop off a TNC passenger in New York City that I picked up outside the City? \nYes.  If I am licensed to operate for hire by the New York City Taxi & Limousine Commission, can I work as a TNC driver outside of New York City? \nYes but only if you are authorized by a licensed TNC company , and only if you use a different vehicle than you drive for hire in New York City taxi and livery vehicles may not be used for TNC operation.", "Drivers from other Countries \nOnly New York state residents need New York State driver licenses \nYou can drive in New York State with a valid driver license from another country. You do not need to apply for a New York State driver license unless you become a New York State resident. To get a New York State driver license , you must pass a written test, complete a 5-hour pre - licensing course and pass a road test. When you pass your road test , you must give your foreign driver license to the DMV road test examiner. The local DMV office will destroy your foreign driver license after 60 days. If you plan to return to your home country and will need your foreign driver license , ask the road test examiner how to make sure that your foreign driver license is not destroyed.  You do not need to be a US Citizen to get a New York driver license, permit or non-driver ID card \nIf you are not a US citizen , you must have US Department of Homeland Security DHS documentation that supports your legal status in this country. The expiration date from your DHS document is added to your New York State permit, driver license or non - driver ID card. Learn more about how to get a driver license [1 ] learner permit [2 ] non - driver ID card [3 ] If your temporary visitor status gets extended , you must bring to a DMV office a completed Application for Permit , Driver License or Non - Driver ID Card PDF [4] MV-44 your updated paperwork from the DHS your documents must be valid, current and verifiable 6 points of identification [5 ] ", "Non citizens and types of ID \nNew York offers three types of ID documents [6]; standard licenses and IDs, Real IDs, and Enhanced licenses and IDs. Non citizens are eligibile for standard IDs and Real IDs. However , only US Citizens are eligibile for Enhanced IDs.  Renewing your license \nAs long as the Temporary Visitor status that DMV has on file is not expired you can renew your license online, through the mail or in an office. If your Temporary Visitor status has been extended , you must go to a DMV office with your updated paperwork from the United States Department of Homeland Security DHS. We will update our records to show that your Temporary Visitor status has been extended so you can renew your license. Your new license will have your new temporary visitor expiration date.  What does 'TEMPORARY VISITOR' mean? \nA Temporary Visitor is defined as anyone who is not immigrating to or not residing living in the United States. These visitors have US Department of Homeland Security DHS documentation that supports their legal status in this country. If you have DHS documents that identify you as a Temporary Visitor , your New York State driver license , permit or non - driver ID card will have ' TEMPORARY VISITOR' on it , and the expiration date from your DHS document Please note that your DMV document does not expire on the Temporary Visitor expiration date, nor will your privilege to drive in New York. ", "If I have a driver license from another country and I have a NY State learner permit, can I drive without a supervising driver? \nYes. Your valid foreign driver license allows you to drive without a supervising driver. You can drive on any street, road, highway, bridge, or tunnel, except in a DMV road test area. If your driver license is printed in any language except English , you must bring an International Driving Permit or a certified translation of your driver license to the road test. The translation must be certified by a consulate, the US Department of State, or another official agency. The translation must include your name your date of birth the expiration date of your foreign driver license a list of the types of vehicles that your foreign driver license allows you to drive If you have a NY State learner permit, and you do not have a valid foreign driver license , NY State law requires a supervising driver to ride with you. The supervising driver must be age 21 or over and must have a valid driver license to operate the vehicle that you drive.  Temporary Visitors and international students \nAs long as the Temporary Visitor status that DMV has on file is not expired you can renew your license online, through the mail or in an office. If your Temporary Visitor status has been extended , you must go to a DMV office with your updated paperwork from the United States Department of Homeland Security DHS. We will update our records to show that your Temporary Visitor status has been extended so you can renew your license. Your new license will have your new temporary visitor expiration date.", "Know Your Rights If a Complaint or Other DMV Charges have been Filed Against You \nProtect Your Facility License, Registration or Certification \nWhat to do if a complaint is filed against you \nThe New York State Department of Motor Vehicles regulates all Repair Shops, Inspection Stations, Dealers, Vehicle Dismantlers and other related businesses in NYS. To legally operate as such a business , you must register with DMV. Once your application is approved you will receive a certificate from DMV. A copy of the Commissioner's Regulations that pertain to your type of business may be found on the DMV web site at dmv.ny.gov [1]. They will explain your responsibilities to consumers. You must follow all consumer protection laws and regulations. DMV advises all consumers who have a complaint against a dealer, inspection station, repair shop, or dismantler to make an attempt to resolve their complaint with the business manager. If they are not successful , they are advised to contact the DMV Consumer & Facilities Services Complaint Unit. Protect Your Business : Keep a copy of all work orders in an easy - to - access location.  The Complaint Process \nIf a complaint has been filed against you , a Consumer Services Rep from 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. If the complaint is not resolved with the CSR , the case will be sent to an Automotive Facilities Inspector AFI for a formal investigation. Avoid costly penalties, fines, and the loss of valuable customersby responding to all DMV inquiries in a timely manner. The AFI will conduct a formal investigation. The result may be no action, a warning letter Notice of Investigation placed in your file, or a formal administrative hearing before an Administrative Law Judge ALJ. When Vehicle Safety initiates the hearing process , you may be offered the opportunity through a \" hearing waiver \" to admit to the charges and to either pay a specified monetary penalty and/or to accept a suspension. If the waiver is accepted , no hearing is required. If the offer is rejected , a hearing must be held. The result of the hearing may be no action, a civil penalty, and/or a suspension or revocation of your ability to operate as a vehicle related business in NYS. You may also be offered the opportunity to pay restitution to the consumer in lieu of the fines and/or penalties, or to have the penalty reduced. ", "The Hearing Process \nYou are entitled to hire an attorney and to bring that attorney to the hearing. The Department of Motor Vehicles is the petitioner is this case and the complainant may be a witness for the case. As a result of the hearing , 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 , in order to prevent the loss of your operating privilege , you must pay all fines and penalties. You will receive a letter from DMV shortly after the hearing. You will have 30 days from the date of the order by the judge to pay your fine or penalty. Failure to pay any fines or penalties or to serve out your suspension will result in indefinite suspension of your business certificate and the possible assessment of a lien against your business. However , if you pay your fine and/or penalty or serve out your period of suspension , you will be back in business after complete compliance. If you are revoked , you must surrender all supplies and cease to operate. You have the right to appeal any adverse decision. If you chose to appeal , you have 60 days from the date of the ALJs decision to file the Administrative Appeal Form [2] AA-33A, which must be accompanied by the appropriate filing fee. ", "Avoid Losing Your Facility License, Registration or Certification \nYour facility license, registration or certification enables you to operate in NYS. Complaints filed and charges brought against you can result in the loss of your privilege to operate as a business in NYS. Complaint Unit : Phone : 1 - 518 - 474 - 8943 Fax : 1 - 518 - 486 - 4102 Case Processing Unit : 1 - 518 - 474 - 1510 Office of Vehicle Safety & Clean Air Consumer & Facility Services Bureau NEW YORK STATE DEPARTMENT OF MOTOR VEHICLESMark J. F. Schroeder , Commissioner VS-157 6/07 Return to DMV Publications [3 ]", "MyDMV Account Terms of Service[1] \nINTRODUCTION A web account provides registered Users with secure and simplified access to use a variety of DMV s on - line applications and services. was created by the New York State Department of Motor Vehicles DMV, in cooperation with the New York State Office of Information Technology Services. In order to register for a account , you must first select a Sign - In Username and Password and provide your identity information. Your Username, Password, and identity information are stored in a secure directory called the NY.gov, which is maintained by New York State Office of Information Technology Services. Username and Password When you register for a account , you will be sent a temporary password by email. You must use the temporary password to complete the on - line registration process. After completing your registration , you can use your permanent Sign - In Username and Password for gaining access to applications and services. Upon validation of your identity , you will be permitted access to use DMV's secure web applications. This process is designed to protect the security of your identifying personal information. Your Sign - In Username and Password, and identifying personal information will be used solely for the purpose of NY.gov. As an additional feature of NY.gov you can use the same Username and Password when you register to use secure web applications available at other New York State agencies that participate in NY.gov. After registering to gain access to use secure web applications at another NYS agency , you simply sign in using the same Username and Password. Deactivation of NY.gov and Accounts For security purposes , the use of your MyDMV account is dependent upon validation of your identity by NY.gov. In the event that NY.gov deactivates access for any reason e.g., unable to validate your identity , your account will also be deactivated , and thereafter access to applications and on - line services will be denied and the account will be locked. Unlocking Accounts In order to unlock your account you must contact NY.gov, as instructed, and provide the necessary information. By registering for a account you acknowledge and agree that : You will abide by these Terms of Service; and the Terms of Service and Acceptable Use Policy for the use of NY.gov ; You certify that all identifying personal information provided to create or access your account is accurate, and pertains solely to you as the User of the account ; Any false statement, false certification, or false information provided in creating or using a account constitutes a criminal act which may result in the imposition of criminal sanctions ; For the purpose of imposing criminal sanctions , any false statement you make in connection with creating the account , and each fraudulent log - in to access applications or services , may be treated as a separate criminal offense. DMV reserves the right, and sole discretion, to revoke your Username and access to your account, at any time, without prior notification, in the interest of preserving the security of the system. You are responsible for all use of your account , and you must protect your temporary password, Sign - In Username and Password from disclosure to any individual or entity, and must not permit the use of your account by another. You agree to Not bypass or attempt to bypass any security controls for access to your account ; You will keep your Username and Password in a secure place and manner ; You will prevent disclosure of your Username and Password ; You will prevent others from watching you enter your Username and Password ; You will select a Username and Password that is non - obvious and difficult to guess e.g., not use your name, or the names of your spouse, children, pets, or other things that publicly identify you ; You will sign off of the system whenever the your computer is unattended ; You will take any action required by DMV or NY.gov to re - certify your identity, or to change your Username or Password ; You will immediately report to DMV any known or suspected breach of system security that you become aware of. ", "Topic: \nMyDMV [2]", "Register an out-of-state vehicle[1] \nDo I need to register my vehicle in New York State? \nIt depends if you aren t a resident of New York , the registration from your state of residence is valid here if you move to New York and become a resident , you must register your vehicle here within 30 days of becoming a resident moving if you are a resident of New York and you get a vehicle from another state which you will be driving on New York State roadways , you must register the vehicle here within 30 days  What do I need to bring to the DMV? \nBefore visiting a DMV office to register your vehicle , please complete the Document Guide to make sure you bring the correct documents with you. The requirements to register an out - of - state vehicle are generally the same as to register and title vehicle [2] in New York. However , there are exceptions. See the questions below. Find your proofs [3 ]  Can I register if I am currently out of New York? \nYes. See instructions to register a vehicle when you are out of state [4].  The out-of-state title is not in my name. How can I provide proof of ownership? \nIt depends whether the vehicle was purchased new or used from a dealer, or from a private owner. For a new vehicle purchased from an out - of - state dealer , provide the Manufacturer s Certificate of Origin MCO the dealer's bill of sale For used vehicle purchased from an out - of - state dealer , provide an out - of - state title certificate or transferrable registration transferred to the dealer that transfers ownership to you the dealer s bill of sale For a vehicle from a private owner , provide the bill of sale either the title certificate or transferable registration that was transferred to you from the previous owner ", "There is a lien on my out-of state title certificate. Is that OK? \nYes. If there is a lien on your out - of - state title certificate , the NYS DMV records the lien on your NYS title record and on your NYS title certificate. To remove the lien , you must provide proof that the lien has been satisfied you paid your vehicle loan off. For more information , see remove or add a lienholder from a title [5].  The out-of-state title is held by my lienholder. How do I register in New York? \nTo register in New York , you must provide the following documents a copy of the title certificate with your name on it from the lienholder certification from the lienholder that title certificate is a copy of the original certificate - the copy of the title certificate and the certification of the lienholder must be on the same piece of paper a statement with the following information on the letterhead of the lienholder the owner , year , make , and VIN that the lienholder holds the original title and knows the owner will use the documents to register in New York State no request to notify the lienholder when the vehicle is registered in New York , as the New York DMV will ignore this request  My vehicle does not meet \"California emissions standards.\" What can I do? \nRead the information about California emissions standards [6] to determine if there is an exemption for your vehicle. ", "Do it at the DMV: \nBring your completed registration application and additional documents to a local DMV office [7]. Make a reservation online before visiting DMV offices in New York City, Westchester, Nassau, Suffolk, Rockland, Onondaga or Monroe Counties. Make a Reservation [8 ]  Show \"do it online\" button in megamenu: \nTopic: \nRegistration [9 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "Voter Registration Application Frequently Asked Questions[1] \nHow do I know if I'm eligible to register to vote in New York State? \nTo register to vote in New York State you must be a U.S. Citizen be 18 years old by the end of this year not be in prison or on parole for a felony conviction not claim the right to vote elsewhere Full voter registration requirements are listed on the New York State Board of Elections website [2].  I have registered to vote in the past but do I need to update my voter registration information? \nYou do not need to update your voter registration information any of the information below changed since you last voted your political party preference has changed your name has changed your residence address has changed you have moved into New York from another state  How do I know what my current voter registration status is? \nThe NYS Board of Elections provides a website for New York State residents to check their voter registration status [3].  How does voter registration on NYS DMV's website work? \nTo register to vote online you will need your NYS Driver License , Permit or Non - Driver ID Social Security Number DMV will display your name, residence and mailing addresses, date of birth, and gender from DMV records for you to confirm their accuracy. if DMV's records do not reflect your current name or address [4], or date of birth or gender [5], you must first correct this information before processing an online Voter Registration Application you will be asked to answer a series of voter registration application questions related to age, citizenship, prior voting history, and political party selection, and also your phone number optional for the Board of Elections you will be asked to affirm to the Board of Elections Affirmation you will be asked to agree to the New York State Department of Motor Vehicles Attestation upon completion , we will forward your voter registration application to your County or City Board of Elections for processing Please note: The DMV does not approve or deny voter registration applications. We only send the application to the County or City Board of Elections for their review. If you do not want to change the information on your DMV records but still want to register to vote or update your voter registration information , complete the New York State Voter Registration Form PDF on the New York State Board of Elections website [2] and mail it to your County Board of Elections. Use the MV Electronic Voter Registration application [6 ] You can also register by mail, by visiting the NYS Board of Elections website [7] to download a Voter Registration Form. ", "Do I have to sign my voter registration application? \nWhen you agree to the New York State Department of Motor Vehicles Attestation in the voter registration application , you authorize DMV to send the Board of Elections your digital signature we have on file from when DMV issued you your Driver License, Non Driver ID Card or Learner's Permit. Agreeing to the attestation is the legal equivalent of a handwritten signature.  What happens to my voter registration application? \nThe electronic voter registration application is transferred from DMV to your County or City Board of Elections for review. Once processed , your County will notify you either that you are registered to vote or additional information is needed to complete your application. (Please allow up to six weeks to hear from the Board of Elections in your County. If after six weeks you have not heard from them, contact them at the phone number or address provided on the New York State Board of Elections website [8].) The DMV does not approve or deny voter registration applications. We only send the application to the County or City Board of Elections for their review.  Show \"do it online\" button in megamenu: \nTopic: \nMore Info [9 ]  show mydmv button in megamenu: \nDisable this transaction?:", "Replace IRP registration items[1] \nTo replace IRP registration items that are lost or stolen , you must apply to the International Registration Bureau IRB.  Apply to get replacement IRP registration items by mail \nTo apply for replacement registration items by mail \ncomplete and sign Schedule A & C pdf [2] in Part 1 , , check the box or boxes for \" DUPLICATE CAB CARD \" and/or \" REPLACEMENT PLATE \" and or \" REPLACEMENT STICKER \" complete the Carrier and Fleet Information section along with Part 4 of the form , send a check or money order payable to the Commissioner of Motor Vehicles for the correct amount. If both apportioned plates are lost or stolen , get form Report of Lost or Stolen Motor Vehicle Items MV-78B from a police agency 1 If you are using the United States Postal Service use this address : International Registration BureauPO Box 2850 ESPAlbany , NY 12220 - 0850 If you are using express mail or other method , use this address : International Registration BureauNYS DMVRoom 1366 Empire State PlazaAlbany , NY 12228  Apply to get replacement IRP registration items at the Customer Service Counter in Albany \nYou can apply to replace IRP registration items at the Customer Service CounterRoom 136Swan Street BuildingEmpire State PlazaAlbany , NY 12228 complete and sign Schedule A & C pdf [2] In Part 1 , Type of Application Requested , check the box or boxes for \" DUPLICATE CAB CARD \" and/or \" REPLACEMENT PLATE \" and or \" REPLACEMENT STICKER \". Complete the Carrier and Fleet Information section along with Part 4 of the form , . bring your complete Schedule A & C to the Customer Service Counter ", "Apply to get replacement IRP registration items by fax \nTo apply complete and sign Schedule A & C pdf [2] in Part 1 , , check the box or boxes for \" DUPLICATE CAB CARD \" and/or \" REPLACEMENT PLATE \" and or \" REPLACEMENT STICKER \" complete the Carrier and Fleet Information section along with Part 4 of the form , Fax your complete Schedule A&C to the IRB at 518 - 486 - 6579  What are the fees for duplicate IRP registration items? \nThe fees for duplicate IRP registration items are replacement apportioned vehicle plates with cab card - $27.50 replacement cab card and sticker- $2.50 replacement cab card - $2.50  What should I do with a remaining apportioned plates when I receive my new apportioned plates? \nIf one or both apportioned plates remain , 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. You cannot request apportioned plates with the same number you had before.  What should I do if my apportioned plates are lost or stolen? \nIf both apportioned plates are lost or stolen , get 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. 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. ", "Do it by phone: \nYou can't apply to replace IRP registration items by phone. You can call the IRB with questions at 1 - 518 - 473 - 5834  Do it by mail: \nYoucan apply to replace IRP registration items by mail. Follow the instructions on this page and Schedule A&C [2] IRP-6.  Do it at the DMV: \nYou can apply to replace IPR registration items at the Customer Service CounterRoom 136Swan Street BuildingEmpire State PlazaAlbany , NY 12228 The Customer Service Counter is open 8:00am to 3:45pm, Monday through Friday, except state holidays. You can't replace IRP registration items at a DMV local office.  Do it by fax: \nYou can apply to replace IRP registration items by fax at 518 - 486 - 6579  Show \"do it online\" button in megamenu: \nTopic: \nMotor Carriers [3 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?:", "Modifications to a car, pick - up truck, van, motorcycle, or moped can affect its registration class. Important : The DMV cannot examine your vehicle to determine the correct registration class. You must determine the correct registration class for your vehicle.  Modifications to a motorcycle or moped, including Limited Use Motorcycles- \nIf you remove a speed governor that was originally installed to limit the top speed of a moped or add a speed governor that limits the top speed of a moped or motorcycle , you must notify DMV and register the moped or motorcycle in the appropriate class [1].  Modifications to cars, pick-up trucks, and vans \nPart 106 of DMV Regulations describes the vehicles that are registered in the' Commercial' class and in the passenger class. Part 106 also describes how some modifications that you make to your vehicle can affect the correct registration class of your vehicle. A description of the modifications appears below. Each description includes a reference to the DMV Regulations [2]. For all vehicle modifications , you must obtain a vehicle weight slip. You can get vehicle weight slips at most vehicle and/or metal scrapyards and from some auto - parts stores and mechanics, especially those specializing in vehicle modifications and camper body / equipment sales and installation.  Modifications that change a registration from 'Passenger' class to 'Commercial' class \nCars (Part 106.2 (e)) \nYou can register a car in the' Commercial' class if all the seats behind the driver are removed. Instead of the seats , you must install a permanent box or permanent rack to carry cargo. ", "Station Wagons and Vans (Part 106.2 (f)) \nYou can register a station wagon in the' Commercial' class if all the seats and all the seat fittings behind the driver are removed completely.  Modifications that change a registration from 'Commercial' class to 'Passenger' class \nPick-up Trucks (Part 106.6 (b) and (c)) \nYou can register a pick - up in the' Passenger' class if it meets certain conditions, depending on its unladen weight. If your modified or unmodified pick - up truck has an unladen weight less than 6,001 lbs ., you can register it in the' Passenger' class if it meets the following conditions : the pick - up truck does not have any business advertisements the pick - up truck is used exclusively for non - commercial purposes If your modified pick - up truck with an unladen weight greater than 6,000 lbs ., you can register it in the' Passenger' class if it meets the following conditions : the pick - up truck does not have any business advertisements and is used exclusively for non - commercial purposes a camper top having one or more side windows completely encloses the truck bed the pick - up truck has seats, seat fittings, or camping equipment installed in the truck bed ' camping equipment indicates that you have a permanent bed, a permanent stove, or a permanent refrigerator in the vehicle. if this equipment is removed and you use the van , you must register the van as a commercial vehicle ", "Vans (Part 106.3 (d)) \nYou can register it in the' Passenger' class if the van has at least one side window behind the driver , and at least one seat or set of seat fittings that is installed behind the driver , or camping equipment that is installed behind the driver. ' camping equipment' indicates that you have a permanent bed, a permanent stove, or a permanent refrigerator in the vehicle if you install seats behind the driver , you must also install seatbelts that meet NY State Occupant Restraint Law requirements NOTE : These modifications must be permanent. If you use a van or pick - up truck without the required modifications , then you must register it in the' Commercial' registration class.", "ZIP Code and Email Entries \nNote: If your address has changed , do not process your transaction online. Instead , follow the instructions to change your address [1]. You cannot update your address during an online transaction. The DMV website has instructions to change your name on DMV documents and records [2]. Current ZIP Code. Enter the ZIP Code for your current mailing address. To use this online transaction , your ZIP Code must match the ZIP Code on your DMV record be a US ZIP Code All items are mailed to the address on your DMV record. See how to change your address [1] on your DMV vehicle records and documents. Your Email Address. Enter a valid email address, and re - enter the email address to verify it. The DMV will send you a confirmation of the transaction by email. Your email program must be able to receive email from addresses that include the domain: dmv.ny.gov. If you need help , see information about email addresses [3].  Driver License Information \nDMV ID Number. This is the 9 digit \" ID \" number printed in the upper portion of your driver license, learner permit or non driver ID DMV photo document. Enter the 9 digits only; do not enter spaces, hyphens or other punctuation. See sample driver license documents [4]. Name. Enter your last name, first name and middle initial exactly as they would appear on your DMV photo document or another DMV document such as a driver record abstract, a revocation or suspension order or a letter related to your driver license. If you are not sure how your name appears , follow these rules to enter your name. names on DMV records appear in UPPERCASE and are displayed in UPPERCASE in online transactions enter letters only do not enter numbers a suffix should be entered in Roman numerals for example \" SMITH III, JOHN, A. \" do not enter spaces or special characters such as commas or apostrophes you can enter a hyphen if your name on DMV records includes a hyphen - for example, enter the name O'Brien as OBRIEN Document Number. The document number is 8 or 10 characters, and is printed on the lower right corner of your DMV photo document, or on the back for documents issues after January 29 , 2014. The 8 character format is all numeric. The 10 character format is alpha and numeric. The alpha characters are in UPPERCASE. See sample driver license documents [4]. Date of Birth. Enter two digits for the month, a slash, two digits for the day, a slash, and 4 digits for the year. For example , May 2 , 1964 is entered as 05/02/1964. Last 4 digits of SSN. Enter the last four digits of your Social Security Number. This information will be used only to help identify you for the transaction. See the Privacy and Security Statement [5]. ", "Registration Renewal Entry Instructions \nVehicle Plate or Boat Registration Number. Enter the vehicle plate number or boat registration number from your registration renewal notice or your registration document. Enter only letters and numbers ; do not enter spaces or hyphens, or other special characters. For a boat registration number , exclude the letters \" NY \" that may appear on your documents. Enter only the two other letters and four numbers. If you need help , refer to the sample registration documents [6]. Make sure when you enter the letter O or the number 0 zero that you enter the correct character. The letter O will appear wider than the number zero. Registration Class Code. Enter the three - letter registration class code from your registration document. If you need help , refer to the sample registration documents [6]. The registration class code for a boat is BOT.  Entry of Addresses for DMV Records \nNew York State law requires you to report a change of residence to the DMV within 10 days. When you submit a mailing address change online, and you do not have a residence address on file with the DMV , you are required to enter a residence address. Your residence address cannot be a post office box. If you already have a residence address on file with the DMV , you are not required to change it when you change your mailing address , but you can change the residence address if you want to. Your residence address does not have to be the same as your mailing address , but you can select to use your mailing address as your residence address. If you report a change of address to the US Postal Service USPS, it does not change your address on DMV records , but you can enter the new USPS address National Change of Address or NCOA address in this transaction. When you change an address with the DMV , it does not change your address on DMV records other than your driver license / DMV photo document records and/or registration records that you select in the transaction for example, a change of address with the DMV does not change the address that appears on traffic ticket records does not change an address on a registration record if you selected \" No change \" for that registration in the transaction does not change your address with the USPS or on any other record outside the DMV records specified above does not generate new documents with your new address after you submit an online address change, you can replace your driver license, permit or non - driver ID [7] and/or replace your registration documents [8] that show your new address When you submit an address change online , the change applies only to the DMV records you select. The online address change application shows the driver license, permit or non - driver ID DMV photo document and registration records that the DMV was able to locate under your name. If there are registrations in your name that are not shown , you can enter the plate or registration number to add them to the list and change the address for those registrations. If you select \" No Change \" for any photo documents or registrations on your change address list , the new address you enter for other DMV records will not apply to those records. If you want to change the address for those records to a different new address , then you must process a separate address change and select only the records to which that address will be applied. If a driver license, non - driver ID or registration on your change of address list is eligible to be renewed , the expiration date appears in bold red text on the Confirmation Page after you process the address change. You can then go online to renew your photo driver license or non - driver photo ID card [9], renew vehicle registration [10] or renew boat registrations [10] and receive documents with your new address displayed. After your address change is processed , links are provided to order replacement duplicate documents that show your new address. There are fees to order the replacement documents. ", "Online Manual Orders \nMost DMV manuals are available online through the DMV Publications [11] page. This includes the Online Driver's Manual and Study Guide with quizzes [12]. Single, printed copies of DMV manuals for drivers are also available free of charge at DMV offices [13] or by mail through the DMV Call Center [14] for your area code. For bulk manual orders for public or private organizations , use the online DMV Manual Order transaction [15]. for public organizations see definition below there is no fee for bulk orders for private organizations , see definition below there is a charge of $1.00 per manual for bulk orders and a minimum order of 25 manuals A public organization and a private organization are defined as follows Definitions A public organization is defined as that is division of the State, a county or a municipality an organization is created or formed by a provision of state or local law can collect taxes directly or is funded by the government. (e.g. a public school district, a public library, BOCES) A private organization is a business that is not an organization that is division of the State, a county or a municipality is not created or formed by a provision of state or local law cannot collect taxes directly or is funded by the government for example commercial driving schools, PIRP sponsors, safety advocate groups, etc.", "Who can drive here? \nTo drive a car or motorcycle in New York State , you must be at least 16 years old 1 and have a valid New York State driver license or learner permit , or a valid driver license or permit issued by another state or country If you have a New York State learner permit or one issued in another state , you must follow New York State permit restrictions [1]. If you are under age 18 , you must obey New York's Graduated License Law [2].  Residents of New York \nIf you become a New York State resident , you must get a New York State driver license within 30 days. If you have a valid driver license issued by another U.S. state or territory, federal district or Canadian province , you may be eligible to exchange it for a New York driver license see Exchange an out - of - state license [3], or see other information about moving to New York [4]. If your license was issued outside the U.S. or Canada , you must apply for a new original New York State driver license at a DMV office see Get a driver license [5]. When you pass your road test , you must give your foreign driver license to the DMV road test examiner. The local DMV office will destroy your foreign driver license after 60 days. If you plan to return to your home country and will need your foreign driver license , ask the road test examiner how to make sure that your foreign driver license is not destroyed. Definition of \" Resident \" Section 250 5 of the NY State Vehicle and Traffic Law says : To live in a house, a home, an apartment, a room or other similar place in New York State for 90 days is considered \" presumptive evidence \" that you are a resident of New York State. A police officer can use this as evidence to issue a traffic ticket if you drive in New York State without a New York State driver license or vehicle registration. A judge considers the law and the evidence of your intent and decides if you are a resident of New York State. If you pay taxes or your children attend school in another state , a judge considers these facts to decide if your intent is to make New York a \" fixed and permanent \" residence. According to this law , students from other states or from other nations who attend school in New York State are usually not considered residents of New York. DMV does not decide if you are a resident of New York State, if you must get a New York State driver license, or if you must register your vehicle in New York State. ", "Non-residents \nOut-of-state and foreign driver licenses \nYou can drive in New York State with a valid driver license from another state or country. You don t need to apply for a New York State driver license unless you become a New York State resident. If you have a driver license from another country you do not need to have an International Driving Permit , but it is helpful. The permit verifies in several languages that you have a valid driver license. Police officers who can t read the language on your foreign driver license will be able to read the permit. Contact the authorities in your home country to get an International Driving Permit.  Visitors from other countries \nIf you have a driver license from any nation , you do not need a New York State license to drive in New York State. You should only apply for a New York State driver license if you become a resident of New York State. If you do not have a license in your home country and want to get a New York State driver license , you must pass a written test, complete a 5-hour pre - licensing course and pass a road test. See Get a driver license [5].  Students \nStudents from other states or from other nations who attend school in New York State are normally not considered New York State residents.  Out-of-state learner permits \nYou may drive in New York State with a learner permit issued in another state if you are age 16 or older your out - of - state learner permit is valid outside the issuing state you obey all restrictions of the state that issued the learner permit and the general restrictions for learner permit holders [1] in New York State if you are under age 18 , the additional restrictions explained in the Graduated Driver License GDL Law and drivers under age 18 [2 ] You cannot exchange out - of - state permit for a New York State permit. You must apply for a New York permit at a DMV office if your out - of - state learner permit does not allow you to drive in New York State. Even if you have a learner permit or a driver license from another state , you are not exempt from this rule.", "Important : Beginning Summer 2018 , there will be new rules regarding dealer record keeping. [1] The best source of information is the NY State Dealers & Transporters Regulations PDF [2] CR-78.  Selling a retail vehicle as is \nSome exceptions allow you to use a Salvage Certificate MV-907A to sell a vehicle as \" junk \". The DMV cannot issue a title certificate or a registration to a junk vehicle or a salvage vehicle that is rebuilt unless the vehicle passes a salvage vehicle examination. If a title certificate is issued it will receive a brand that displays \" REBUILT SALVAGE: NY \".  Selling price on Retail Certificates of Sale (MV-50) if I sell a vehicle wholesale \nThe selling price is not required on form MV-50 when a vehicle is sold wholesale.  Inspection required out-of-state customer \nA New York State inspection is not required for a vehicle registered in another state.  Warranty on a vehicle that has at least 110,000 miles was sold to a retail customer for $1,295 \nThese terms refer to the warranties described by the Office of the Attorney General website: www.ag.ny.gov [3] in the' Lemon Law'. The Vehicle and Traffic Law requires a dealer to complete the Used Vehicle Certification on form MV-50. The law applies to all vehicles sold at any selling price and which display any odometer reading. The vehicle must be acceptable for use on the road at the time of sale.  Temporary registration expiring soon \nIf you cannot get the title certificate for a vehicle you sold and the temporary registration expires soon , you cannot get another temporary registration. According to the DMV Commissioner's Regulations , you cannot sell a vehicle if you do not have proof of ownership. You cannot issue an additional temporary registration under any circumstances. ", "Surety bond \nTo get a surety bond , you must contact a surety insurance company. Make sure that the business name and mailing address on the bond exactly match the business name and mailing address on your DMV facility license. Make sure that you write your Facility Number on the bond.  Bond amount required from a dealer \nThe bond amount depends on the number of vehicles the dealer sold in the previous calendar year, or if the dealer is licensed as a franchised new dealer. Refer to the chart below", "What is a suspension for failure to pay tolls? \nIf you do not pay a required toll, fee or other charge to a tolling authority, which operates a toll highway, bridge and/or tunnel facility, your registration may be suspended.  Who issues toll violations? \nA tolling authority , which includes the New York State Thruway Authority, the Triborough Bridge and Tunnel Authority MTA Bridges and Tunnels and the Port Authority of New York and New Jersey.  What happens if I don t pay a toll? \nIf you fail to pay tolls, fees or other charges in relation to 3 or more tolling violations, all committed within 5 years, or fail to pay $200 in tolls accumulated within 5 years, if the violations occurred in a commercial vehicle, or fail to have them dismissed or transferred , the NYS Department of Motor Vehicles, \" DMV \" may send you a Notice of Registration Suspension. The notice will advise you that if you pay all of the tolls, fees or other charges owed to the tolling authority, or have them dismissed or transferred, the suspension will not take effect. You also have the right to a hearing before the DMV. If you request a DMV hearing , the suspension is placed on hold pending the outcome of the hearing.  What is the purpose of a DMV hearing? \nThe purpose of the hearing is to determine whether the tolling authority notified you that you failed to pay tolls, fees or other charges related to 3 or more violations of the Authority s toll collection regulations, all such violations committed within a 5 year period, or failed to pay $200 in tolls accumulated within 5 years, if the violations occurred in a commercial vehicle, or failed to have them dismissed or transferred. At the hearing , you may NOT dispute whether you evaded a toll and/or failed to pay tolls, fees or other charges. You must raise those issues with the tolling authority outside of the hearing. ", "Must I appear for the hearing? \nAs the Notice of Registration Suspension indicates , you may request an in - person DMV hearing or you may request a hearing by affidavit this is a hearing on paper. The Notice of Registration Suspension provides instructions about how to submit the affidavit to DMV. If you submit the affidavit , you will not have to appear at a DMV hearing. At an in - person DMV hearing , you may be represented by an attorney. If you request a DMV hearing and do not appear or submit your affidavit , your registration will be suspended immediately.  How can I respond to a tolling authority about a non-payment of tolls? \n* * * DO NOT contact the New York State DMV to dispute whether you violated a toll regulation or failed to pay the toll, fees or other charges. *** You may contact the Customer Service Center and speak with a customer service specialist. Each tolling authority has a Customer Service Center and they can provide you information on your outstanding violation. To dispute an allegation that you violated a toll regulation or failed to pay the toll, fees or other charges , please contact the tolling authority listed on the Notice of Registration Suspension. Either mail : E - ZPass New York / DMV Registration Suspension PO Box 149005 Staten Island, NY 10314 - 9005 Or call the tolling authority at : New York State Thruway Authority at 718 - 313 - 9414 , Metropolitan Transit Authority at 718 313 - 9424 , & Port Authority of New York and New Jersey at 718 - 313 - 9425 There are several ways that your violations can be paid : By Mail send your check or money order no cash to : E - ZPass New York, DMV Registration Suspension, P.O. Box 149005 , Staten Island , NY 10314 - 9005. By Phone call the Customer Service Center based on the tolling authority listed on the Notice of Registration Suspension. Provide the customer service specialist with the license plate number listed on the Notice of Registration Suspension. Accepted payment methods are credit card, debit card, and bank account debit. Below is the contact information : New York State Thruway Authority : 718 - 313 - 9414 Metropolitan Transit Authority : 718 313 - 9424 Port Authority of New York and New Jersey : 718 - 313 - 9425 In Person visit one of the E - ZPass Customer Service walk - in centers. Locations and hours of operation can be found at www.e-zpassny.com/en/about/csc.shtml [1]. Online Visit the EZPass website [2] for information about how to pay a toll online. Online , you can also check the status of a violation or attempt to resolve a violation. * * * DO NOT contact the New York State DMV to dispute whether you violated a toll regulation or failed to pay the toll, fees or other charges. ***", "Federal regulations require that every commercial learner permit CLP holder or driver license CDL holder must certify to the type of commercial driving they currently perform or expect to perform. these requirements will affect all drivers who have, or apply for a commercial driver license CDL a USDOT Medical Examiner's Certificate will be required for some types of driving and must be submitted to DMV before your current certification expires you will lose your commercial driving privileges if you do not comply The DMV will send CDL / CLP holders a \" Notice of Non - Compliance and License Downgrade \" if their medical certification status becomes \" Not Certified. \" Once we send the notification , DMV will cancel the CDL / CLP if the CDL / CLP holder does not submit an updated Medical Examiners Certificate MCSA-5876 within 55 days. We can send employers a notification of these status changes if they subscribe to the NY State License Event Notification Service LENS [1]. We will send passenger carriers enrolled in the 19-A system notifications of CLP cancellation events.  Certification and driving types \nIf you have a commercial driver license, Class A, B or C or CDL permit issued by the NY State DMV you must certify the type of driving you do anytime you perform a license transaction other than an address change, or duplicate license. You will be required to choose only one driving type from the four federal driving types listed below. You must also keep a current USDOT Medical Examiners Certificate on file with DMV if you self - certify to a Non - Excepted Driving type NA or NI. ", "The four federal driving types \nNon-Excepted[2]Interstate[3] (NI) \nCommercial driving operation is permitted across state lines , and you are required to meet the Federal medical requirements. you must be age 21 or older if you have a HAZMAT H or HAZMAT / Tank X endorsement [4], you may select this driving type you must not have a K CDL Intrastate Only [5] or A3 Med Cert Exempt [6] restriction on your driver license  Non-Excepted[2]Intrastate[3] (NA) \nCommercial driving operation is restricted to New York State only , and you are required to meet the Federal medical requirements. you must be age 18 or older drivers with a HAZMAT H or HAZMAT / Tank X endorsement [4] may select this driving type you must have a K CDL Intrastate Only [5] restriction on driver license you must not have an A3 Med Cert Exempt [6] restriction on your driver license  Excepted[2]Interstate[3] (EI) \nCommercial driving operation is permitted across state lines for excepted operation only and you are exempt from the Federal medical requirements. you must be age 18 or older 21 or older when noted for certain excepted operations you must have an A3 Med Cert Exempt [6] restriction on your driver license you must not have a K CDL Intrastate Only [5] restriction on your driver license  Excepted[2]Intrastate[3] (EA) \nCommercial driving operation is restricted to New York State, permitted for excepted operation only and you are exempt from the Federal medical requirements. you must be age 18 or older 21 or older when noted for certain excepted operations you must have the K CDL Intrastate Only [5] and the A3 Med Cert Exempt [6] restriction on your driver license ", "How to obtain a USDOT Medical Examiners Certificate \nYou must get a USDOT physical performed by a medical examiner listed on the Federal Motor Carrier Safety Administration s FMCSA National Registry. To find an approved medical examiner , you can either go to the National Registry of Certified Medical Examiner Search [7], or call FMCSA at 202 366 - 4001 and ask to speak to a representative. Once your physical is complete , the medical examiner will give you a Medical Examiners Certificate Form MCSA-5876. To avoid a downgrade or cancellation of your CDL / CLP , you must take this certificate to the DMV when you apply for your CLP / CDL, or fax / email it to the NY State DMV Medical Certification Unit. See important reminders below.  How to confirm that the Medical Certificate is on my driving record \nDMV will send notifications regarding CDL / CLP downgrade / cancellation events to passenger carriers enrolled in the 19-A system. Drivers can also monitor their own CLP / CDL medical certification status through MyDMV [8] and subscribe for text and/or email notifications [9].  Drivers with a HAZMAT (H) or Hazmat/Tank (X) endorsement \nYou are only eligible for the HazMat or Hazmat / Tank Endorsement [4] if you are age 21 or older and you meet the Federal medical requirements.  Medical variances and new \"V\" restriction \nIf your USDOT Medical Examiner's Certificate [10] indicates \" must be accompanied by a Diabetic, Hearing, Seizure or Vision waiver exemption or an SPE Certificate, \" you must have a Medical Variance [11] issued by FMCSA. ", "Important reminders \nVerify that your address is current on DMV records. If you select NA or NI as your driving type , you must send in a photocopy of your USDOT Medical Examiner's Certificate [10] to the Medical Certification Unit, prior to the expiration date of the USDOT Medical Examiners Certificate on file with DMV. Photocopied USDOT Medical Examiner's Certificate must be legible, complete and on one side of a standard 8 \" x 11 \" sheet of paper If you have a Medical Variance , you must keep it current with the FMCSA. The DMV will not remind you when your USDOT Medical Examiner's Certificate or Medical Variance is about to expire unless you are enrolled in the Electronic Reminders program [9]. If you fail to maintain current, updated information with the DMV , you will lose your commercial driving privileges.  Contact Medical Certification Unit \nFax : 518 - 486 - 4421 or 518 - 486 - 3260 Email : [ email protected] [12 ] Mail: NYS DMVMedical Certification UnitPO Box 2601Albany , NY 12220 - 0601  Useful links \nEnroll in MyDMV [8 ] For federal definitions of the four driving types , visit the FMCSA web site [13]. National Registry of Certified Medical Examiners Search [7 ]", "I don't have my original U.S. birth certificate or marriage record \nThe New York State Department of Health Vital Records office [1] can help you with obtaining vital records in the state. Alternatively , you can order vital records online from New York and many other states through an independent partner, VitalChek Network Inc., at vitalchek.com [2].  I don t have enough proof of name identification to bring to the DMV. What can I do? \nYou may already have more proof documents than you think , or you may be able to get some proof documents. Here are some suggestions. Bank card debit with your name preprinted on it. Some banks will give you a card the same day you open an account. Online bill printouts. You can print out a copy of a paperless bill. For example , a phone bill, electricity / gas bill, water bill or cable bill. Divorce papers. You can contact your lawyer to find out where to go to obtain the papers, or check with the state where you got divorced. Remember , you must show us the original documents or a certified copy. Duplicate marriage certificate. You can check with the city, town or county where you were married. A lot of localities will allow you to order duplicates online. High school diploma or GED. You can contact the education department in the state where you graduated for a certified copy. If you attended school at a Community College , you may have received a General Educational Development GED certificate. You can contact the college for a certified copy. U.S. college transcripts. You can order these from a college or university you attended, even if you did not graduate there. You will need to have a photo ID from the college. Work ID , paystub or a W2 from state. These documents do not have to be from New York and they do not have to be current. Union card. The card can be from another state. If you lost the card , you can ask the union for help getting a duplicate. Even if you no longer have that union job , you may be a member for life. Life insurance policy. Check with your parents or spouse if they ever had a life insurance policy in your name. The policy must be in effect for at least 2 years. Check cashing card from a supermarket chain with your name printed on it. ", "You can use proof-of-residence documents that are in your spouse s name if \nyou and your spouse have the same last name you show additional documents that prove your relationship for example, a marriage certificate", "Information about Empire Gold plates[1] \nSince April 1 , 2010 , DMV has issued Empire Gold vehicle license plates. DMV no longer issues Empire Blue and White plates.  You do not need to get Empire Gold plates when you renew your registration \nYou can keep your current plates or order Empire Gold plates.  When you are eligible to Empire Gold plates \nYou will get Empire Gold plates when you apply to replace plates that are lost or stolen apply for a new original registration and do not transfer the plates or registration from another vehicle order new personalized plates You have the to order Empire Gold plates when you renew your registration online , by mail or at a DMV office [2 ] to replace your current plates when your registration is not due for renewal  How to order \nYou can order Empire Gold plates by phone, online or at a DMV office. The new plates and registration documents will be sent to you separately in the mail. In most cases , you will receive the new registration documents in the mail before you receive your plates. To avoid traffic tickets , put the new registration document on your vehicle even if your new plates have not yet arrived. Put the new plates on your vehicle as soon as you receive them. To order online , you must provide the vehicle plate number vehicle class your name your ZIP Code on DMV records Order Empire Gold plates online [4 ] ", "Cost \nYou must pay a plate fee of $ 25 for a two plate set $ 12.50 for vehicles that receive only one plate motorcycles, trailers, etc. You may need to pay additional fees. The fee to exchange a plate when your registration is not due for renewal is $3.75.  Keeping your same plate number \nIf your vehicle is registered in the one of the classes listed below , you can keep the same plate number from your current plates on your new Empire Gold plates for an additional fee of $20.00. passenger PAS commercial COM motorcycle MOT trailer TRL other specific registration classes - see a list of registration classes eligible for Empire Gold plates and keep the same plate number [5 ]  Plate fee \nYou do not need to get new Empire Gold plates and pay a plate fee when you renew. You can renew and keep your current plates. If you need a new plate, or you choose to get new Empire Gold plates , you need to pay a plate fee. the fee for a set of two vehicle plates is $25 the fee for a single plate for example, a plate for a trailer or motorcycle is $12.50 There is an additional $3.75 plate exchange transaction fee to order Empire Gold plates when there is not a registration renewal.  I have a personalized plates. Can I keep the same plate number if I request Empire Gold plates? \nYes. You can get new Empire Gold plates and keep your personalized plate number when you renew your registration. In addition to your renewal fee , you ll need to be the new plate fee $25 plate fee for a set of two new plates, or $12.50 for vehicles that receive single plates. You will not be charged an additional fee to keep your same number, because you currently pay an annual personalized plate fee. If your registration is not due to be renewed, but you want to order Empire Gold personalized plates to replace your current personalized plates , you can order Empire gold plates online or at a DMV office. There is an additional $3.75 plate exchange transaction fee to order Empire Gold plates when there is not a registration renewal. ", "What to do with your old Empire Blue and White plates \nWhen you receive your new Empire Gold plates , do not return your old plate to the DMV. Recycle your old plates based on local guidelines. For a statewide list of local recycling coordinators , visit the web site of the NYS Department of Environmental Conservation at http://www.dec.ny.gov/chemical/8511.html [6]. Before you recycle your old plates , use a permanent ink marker to cross out the plate number or otherwise deface the plates. For your own protection , separate the plates and put them in the recycle bin during different weeks.  Show \"do it online\" button in megamenu: \nTopic: \nRegistration [7 ]  show mydmv button in megamenu: \nDisable this transaction?:", "Register a snowmobile[1] \nAbout snowmobile registrations \nYou must have a valid registration to ride your snowmobile in New York State. It is against the law to ride a snowmobile without a helmet 1 operate a snowmobile under the influence of alcohol or drugs 2 The NY State Office of Parks, Recreation and Historic Preservation [2] web site has information about snowmobile insurance, safety training and other information. If you are not a resident of New York , you can get a temporary snowmobile registration immediately. See instructions below.  How do I register my snowmobile at a DMV office? \nBefore visiting a DMV office to register your snowmobile , please complete the Document Guide to make sure you bring the correct documents with you. Find your proofs [3 ]  Summary of what you need \na completed Snowmobile Registration Application PDF [4] MV-82SN proof of ownership [5] and bill of sale - non - residents can use photocopies of proof of ownership and aren t required to pay the NY State sales tax if the snowmobile is registered in another state proof of identity and age 3 cash, check or credit card for the $100 registration fee and sales tax , or proof of sales tax payment or exemption see sales tax information [6 ] If you have a current, valid NYSSA voucher, and bring the voucher to the office, the fee for your registration is $45.00. For quicker service , make a reservation online before visiting offices in New York City, Westchester, Nassau, Suffolk, Rockland, Onondaga, Monroe or Albany Counties. For all other counties , see our office locations and hours [7]. Make a Reservation [8 ] ", "I am not a New York State resident. How can I get a temporary snowmobile registration immediately? \nIf your snowmobile is registered in your home state , you can use the NY State Registration for Out - of - State Snowmobiles online [9] service to get a temporary 15 day NY State registration and operate your snowmobile here immediately if you registered your snowmobile in New York before, you can renew your registration [10]. We will send you your regular registration in the mail. You will be able to download your temporary registration as a PDF at the end of this transaction. You can t come back and download it later. To use this transaction , you must be a resident of a U.S. state other than New York Canadians, you can still register your snowmobile at a DMV office or call 518 - 626 - 8989 between 8:00 a.m. 4:30 p.m. weekdays your snowmobile must display your registration number decal, plate, or tag only use your snowmobile for recreation in New York State You must have your out - of - state driver license / ID number your Social Security Number your snowmobile decal, plate, tag registration number your snowmobile registration expiration date model year make Honda, Polaris color engine size in cubic centimeters CC where you will primarily use your snowmobile the New York State County a credit or debit card for payment Visa, MasterCard, Discover Card, American Express If you have a current, valid NYSSA voucher , the fee for your registration is $45.00. If you do not have a NYSSA voucher , the fee is $100. NY State registration for out - of - state snowmobiles online [9 ] ", "What is a New York State Snowmobile Association (NYSSA) Snowmobile Club voucher ID Number? \nIf you are a member of a NYSSA [11] snowmobile club , you receive a voucher that includes an ID number. The ID number is located in the top right corner of your voucher, above the barcode. If you have a current NYSSA voucher , enter the voucher ID number in the box provided. If you do not have a current voucher , skip the voucher ID number section.  Why can't I enter my complete address on the NY State Registration for Out-State Snowmobile transaction? \nThe snowmobile registration system only allows for 20 characters for the street address 14 characters for the city Spaces count as a character. If your street address or city name is too long to fit in the field , please follow these guidelines in the order presented until the information fits within the field use numbers digits instead of words , for the house number if the street name is a word which has an accepted abbreviation (e.g. the name of a state), use that abbreviation abbreviate the street type omit the street type remove vowels starting from the last letter of the street name if the name ends in 2 vowels, start omitting vowels from the last consonant Examples:  Why is my name shorter on my registration than what I provided on my application? \nDue to limited space in the DMV registration system , your name may be shortened to fit on the document. The document is valid with the shorter name. New York law requires that the operator and passenger on a snowmobile wear protective headgear approved by the Commissioner of the NY State Office of Parks, Recreation and Historic Preservation [2]. You are not required to wear a helmet if A the snowmobile is operated on property where the operator or passenger is the property owner, or B the snowmobile is operated on private property which the operator or passenger has a contractual right to use this exemption does not apply if the owner or passenger is a member of a club or association and the owner does not receive compensation for snowmobile operation. A court can suspend the privilege of a person to operate a snowmobile if the person is convicted of snowmobiling under the influence of alcohol or drugs. The court can also suspend the snowmobile registration. The law also provides for strict penalties and enforcement for these offenses. A person who refuses to take a chemical test breath test immediately receives a suspension of the privilege to operate a snowmobile , pending a DMV hearing. You must be at least 16 years old to register a vehicle in New York except a boat or ATV. A NY State Driver License, Learner Permit, or Non - Driver ID card that is current or not expired for more than 2 years can serve as proof of both identity and age. If you don t have one of these documents , you must provide other kinds of proof [12]. ", "Show \"do it online\" button in megamenu: \nTopic: \nRegistration [13 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "Pay insurance lapse civil penalty [1] \nDetermine if you can pay \nYou can pay (and remove a suspension) if \nyour insurance lapse is for 90 days or less  You cannot pay if \nyou already paid a civil penalty in the past 36 months 3 years your insurance lapse is 91 days or more Your payment does not guarantee that the DMV will restore your registration, or close other suspensions or revocations you have. It is your responsibility to know if the DMV restored your registration before you drive the vehicle. You can check the status of your driving privilege and vehicle registrations through MyDMV [2]. The DMV will not automatically send you a new registration document in the mail. If you do not want to pay the civil penalty , you can surrender your vehicle registration and plates [3] until the suspension period ends.  Online \nYou need a Suspension Order that states you are eligible to pay a civil penalty see a sample insurance letter [4]. Your order will have the 10 digit document ID number your vehicle plate number vehicle type (also called class e.g. PAS, COM) the first 3 letters of the registrant s name Pay insurance lapse civil penalty online [5 ]  By mail \nFollow 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 NYS Department of Motor Vehicles Financial Security Bureau PO BOX 2725 Albany NY 12220 - 0725 ", "At a DMV office \nYou 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.  How much do I need to pay? \nYour 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 Example 1 : If your insurance lapse is 25 days , 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. Example 2 : If 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 ; or you must surrender your plates and serve a registration suspension of 90 days  Show \"do it online\" button in megamenu: \nTopic: \nInsurance [6 ]  show mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "When you need a safety inspection \nAll vehicles registered in New York State must get a safety inspection at a DMV - licensed inspection station every 12 months when the ownership of the vehicle is transferred A valid inspection sticker must be displayed on your vehicle. Inspections expire the last day of the month punched on the inspection sticker.  If your vehicle does not have a valid inspection \nyou cannot renew the registration 1 you can receive a fine 2 you can receive a parking ticket 3  Emissions inspection \nMost vehicles must also get an emissions inspection or diesel emissions inspection [1] at the time of the safety inspection. See the New York Vehicle Inspection Program [2] NYVIP2 page. You can find additional information in these brochures New York State Vehicle Safety / Emissions Inspection Program For Cars and Light Trucks [3] [4] C-50 A Consumer Guide to Readiness Monitor Failures as Part of the New York State Vehicle Inspection Program [5] C-114  Find an inspection station \nLicensed stations display a yellow and black sign that reads ,' Official Inspection Station. ' Motorcycle inspection stations display a blue and orange sign. Find an inspection station near you [6 ]  Fees \nSee the Inspection Groups and Fee Chart PDF [7] VS-77.  What is checked \nThe DMV brochure, New York State Vehicle Safety / Emissions Inspection Program for Cars and Light Trucks [3] C-50 lists the equipment items checked during a safety inspection, and a description of the safety inspection. ", "I bought a vehicle from a dealer \nThe dealer must have the vehicle inspected within 30 days of the date of sale and prior to delivery.  I bought a vehicle from a private seller (not a dealer) \nIf you buy or get a vehicle from someone other than a dealer registered with the New York State DMV , you will receive an inspection extension that will last 10 days from the date of the registration. An inspection issued to the previous registrant is not valid.  I have moved to New York and registered my vehicle here \nIf your vehicle was registered in another state which issues an inspection sticker , you do not need to have your vehicle inspected immediately. Your out - of - state inspection remains valid until it expires or for one year after the registration date, whichever comes first. When your out - of - state inspection expires , you must get a New York State vehicle inspection. If the previous inspection was performed in a jurisdiction that does not issue an inspection sticker , you must have your vehicle inspected in New York.  I need an extension (I am not in New York right now) \nIf you are out of state when your inspection will expire , you can apply for an extension. First , determine if an expired out - of - state inspection is a violation of law in that state. Ask the authorities if a New York State inspection extension sticker prevents a ticket for the violation. The extension allows you 10 days from the date the vehicle returns to New York State to get an inspection. Allow 14 days for the DMV to process and mail your extension sticker. You will need it before you return your vehicle to New York. To receive an extension, mail this information your name and current out - of - state mailing address the year and make of your vehicle the vehicle plate number the inspection sticker number and expiration date NYS DMVBureau of Consumer and Facility ServicesInspection ExtensionP.O. Box 2700-ESPAlbany , NY 12220 - 0700 When you receive your extension sticker , do not put it on your windshield while your vehicle is out of state. Keep the sticker and the instructions in your vehicle to show to an out - of - state police officer. The sticker is not a guarantee that a police officer will not issue you a traffic ticket. There will be no record of an inspection on New York State DMV records. You cannot renew the registration if there is no DMV record of an inspection within the past 12 months. If you must renew the registration before you get a New York State inspection , call 518 - 486 - 9786. After you return your vehicle to New York State write the date the vehicle returned to New York on the extension sticker attach the sticker to your windshield get your vehicle inspected within 10 days ", "The inspection sticker came off my vehicle \nYou can attach it to the windshield again with clear tape or a small amount of clear adhesive. Remember that an inspection station must be able to remove the sticker during your next inspection. If the sticker is not usable , you can have your vehicle re - inspected or you can order a replacement sticker using the form Request for Replacement Inspection Sticker PDF [8] VS-118. Complete the form and mail it to the address on the form.  I need to replace the inspection sticker \nYou can have your vehicle re - inspected or you can order a replacement sticker using the form Request for Replacement Inspection Sticker PDF [8] VS-118. Complete the form and mail it to the address on the form. Inspection stations electronically send a record of all emissions inspections to the DMV. The DMV must have a record that your vehicle passed an emissions inspection during the previous year. Keep the receipt of your emissions inspection sticker to prove that your vehicle was inspected. If the inspection sticker on your vehicle has expired in the past 60 days , you can receive a fine of $25 to $50. If the inspection sticker is expired more than 60 days , the fine is between $50 and $100. If there is no inspection sticker , the fine is between $50 and $100. A mandatory state surcharge of $88 $93 in town and village courts is added to the fine. A parked vehicle with no inspection sticker, or with an expired inspection sticker, can receive a parking ticket. Motorcycles less than two model years old model year is greater than or equal to calendar year minus one more than 25 model years old model year is less than or equal to calendar year minus 25 diesel - powered , except diesel - powered vehicles that are 1997 or newer and that have a gross vehicle weight rating GVRW less than 8,501 pounds electric - powered issued historical plates subject to the heavy vehicle safety inspection", "Exchange a NY State driver license for a non-driver ID card[1] \nYou can exchange a New York State driver license or learner permit that is current or that expired within the last 2 years for a New York State non - driver ID card NDID. You must apply by mail or in a DMV office.  At an office and upgrade to an Enhanced or REAL ID \nYou don't have to get an Enhanced or REAL ID. 1 However , if you have a Standard , you will not be allowed to board a domestic flight starting in October 2020 unless you have a Passport. If you plan on traveling , we recommend you come to DMV now and avoid a second office visit. Learn more about Enhanced, REAL ID and Standard documents [2]. Complete this guide to make sure you have the proofs of identification you need before you come to DMV. Select the \" Replace, Renew, or Change my existing NY State License / ID to REAL ID or Enhanced \" option. Find your proofs [3 ]  By mail \nImportant : If you have a Standard , it will not be accepted as proof of identification to board a domestic flight after October 1 , 2020 unless you have a Passport. We recommend you come to the DMV to upgrade to an Enhanced or REAL ID. Follow the instructions above for exchanging at an office.  Mail \na completed Application for Permit , Driver License or Non - Driver ID Card PDF [4] MV-44 your driver license or learner permit must be current or expired for less than two years a photocopy of your proof of Supplemental Security Income, if required see below - DO NOT mail your original document the payment indicated in the chart below ", "To \nDMV License Production BureauP.O. Box 2688 ESP Albany , NY 12220 - 0668 By an express mail service DMV License Production Bureau Room 424A , 6 Empire State Plaza Albany, NY 12228  Fees \nLearn more about Standard, REAL ID and Enhanced documents [5].  Proof of Supplemental Security Income (SSI) \nTo prove you receive SSI , you must bring one of the documents listed below to the DMV. The document must be the original, not photocopy. that you are eligible for SSI benefits Notice of Award notifying you Cost of Living Adjustment COLA letter Notice of change in payment SSA - L8151 Third Party Query TPQY letter Report of Confidential Social Security Information SSA-2258 Benefit Verification letter you must call the Social Security Administration in advance to obtain this letter : 1 - 800 - 772 - 1213 If you want to exchange in an office and keep your Standard document type , follow these steps : Step 1: Complete an Application for Permit , Driver License or Non - Driver ID Card PDF [4] MV-44 Step 2 : Come to an office. Bring your current license your application payment  Show \"do it online\" button in megamenu: \nTopic: \nID Card [6 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "Plead to or pay TVB tickets[1] \nIf you have a Traffic Violations Bureau TVB traffic ticket that was issued in New York City , you can plead' Guilty' and pay tickets answerable to TVB 1 plead' Not Guilty' and schedule a TVB hearing online, over the phone or in a TVB office 2 pay tickets with a guilty decision change an earlier' Not Guilty' plea to a' Guilty' for tickets that do not require your appearance 3 re - schedule a' Not Guilty' hearing one time 4 request to be notified by email when your traffic ticket has been entered into our system 5 request TVB schedule or re - schedule your tickets if no dates are available We do not handle parking violations, red light camera tickets, criminal driving violations for example, DWI or tickets answerable in a local court.  You will need your \nTVB traffic ticket number [2] 6 and either DMV ID Number [3] Client ID Number from your New York State license, permit, or non - driver ID full name , date of birth , as they appear on the traffic ticket and gender if your license is from another state  Online \nYou can plead or pay your ticket now or schedule your hearing online.  Your traffic ticket must \ndisplay the words' Traffic Violations Bureau' at the bottom see a sample ticket [2 ] be an' open' ticket unresolved Please note that in some cases it can take several days for a ticket to be reported to the DMV. If you are certain that the information you entered is correct , please continue to check this every few days. If you have further questions , please call the Traffic Violations Bureau at 718 488 - 5710. If your address has changed and you plead Not Guilty to one or more traffic tickets , you must provide your new address so we can send you a Notice of Hearing in the mail. This will not update your other DMV records. Learn how to change your address on your license or registrations [4]. If your name has changed and you plead Not Guilty to one or more traffic tickets , the DMV will send you a Notice of Hearing to you with your previous name. Plead to or pay TVB tickets online [5 ] ", "By mail \nEnter your plea on the ticket and include the appropriate fee payable to' Commissioner of Motor Vehicles' if you are pleading guilty. Mail to Traffic Violations Plea UnitP.O. Box 2950 - ESPAlbany, NY 12220 - 0950  At a TVB office \nYou can plead to or pay a TVB ticket, and schedule a hearing at a Traffic Violations Bureau TVB. Find a TVB near you [6].You cannot plead to or pay a TVB ticket, or schedule a hearing at a regular DMV Issuing Office.  Additional information \nWhat happens if I plead guilty to a violation that results in 5 or more points? \nIf you have 3 or more alcohol - related convictions on your entire driving record , a plea of guilty to a violation that results in 5 or more points may result in the revocation of your license under Part 132 of the Commissioner's Regulations. You may want to consult with an attorney before you enter your plea.  I received a TVB traffic ticket while riding a bicycle. Can I plead to or pay it online? \nYou may plead to or pay TVB bicycle / in - line skate tickets in the same way as with any other TVB tickets online, by phone, by mail or at a TVB office. Please note that convictions for bicycle / in - line skate offenses do not require the payment of a surcharge and they do not result in points being applied to your driving record. ", "I am an attorney. How can I schedule TVB hearings for my clients? \nIf you are an attorney admitted to the Bar in New York State who wants to process Not Guilty pleas and schedule hearings online for motorists who are your clients , please submit a TVB Ticket Management for Attorneys - Application for Web Access PDF [7] AA-15 to the Traffic Violations Division- Attorney Scheduling. If you plead Guilty , you must pay all fines, fees, and surcharges that result from the plea. You cannot plead Guilty online if the conviction will result in the suspension or revocation of your driving privilege. You must appear at a TVB office. You cannot plead Not Guilty online if your driving privilege is suspended for failure to answer the ticket. If you have received a notice of pending suspension for failure to answer this ticket , you must go into a TVB office or schedule over the phone. Your hearing must be held in the jurisdiction where the ticket was issued. The transaction sets the earliest available date for your hearing. You can change the date of your hearing only once, but not within 24 hours of your hearing. If you fail to appear for your hearing you may be convicted by default you may need to pay additional fines your driving privilege will be suspended If you previously pleaded Not Guilty to the traffic ticket , you can change your plea to Guilty. However , in order to plead not guilty you must pay all the fines, fees, and surcharges. Partial payments are not accepted. To avoid additional fees you must complete this transaction before the date of the hearing. After you select a Not Guilty hearing date and time , you can return to the transaction one time to select a different date and time if available. When you return to the transaction to check for other hearing dates and times : Enter the ticket number and the other required information in Step 1 Verify the information in Step 2 In Step 3 , look for the ticket under' Earlier Pleas of Not Guilty'Select' Check for Other Available Hearing Dates'. When you then select' Continue' , the page will display other available hearing dates. If there is no button for' Check for Other Available Hearing Dates , ' the hearing for the ticket was previously re - scheduled , and you cannot re - schedule again online. You must contact the TVB [6]to re - schedule your hearing. To enter a plea , your traffic ticket must already be in our system. If your traffic ticket is not currently in our system , you can request to be notified by email when your record is updated. If you do not receive a notification you are still responsible to contact TVB and enter a plea for your ticket. Please verify your computer privacy settings and check your spam folder for an email notification. If you do not have the ticket number , enter all of the other information to determine if we can locate the ticket record . Out of state motorists must have a ticket number. ", "Show \"do it online\" button in megamenu: \nTopic: \nTickets [8 ]  show mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "What is the I-PIRP/ADM Program? \nI - PIRP / ADM is an acronym for the Internet Point & Insurance Reduction Program / Alternate Delivery Method. This program permits approved sponsors to provide Defensive Driving / Accident Prevention courses via the Internet or other alternate delivery methods, such as DVD or digital cable.  Who offers the I-PIRP courses? \nYou must be sure any course you take for point and insurance reduction in New York State is a course approved by the NY State DMV. See the list of DMV approved sponsors for I - PIRP courses [1].  Do I receive point and insurance reduction if I take an I-PIRP course? \nYes. When you complete an I - PIRP course , you receive the same benefits as when you complete a classroom PIRP course. You can reduce your driver violation point total by a maximum of four points , and you can save ten percent on your auto liability and collision insurance premiums.  How long does it take to complete an I-PIRP course? \nThe I - PIRP course requires a minimum of 320 minutes of instruction time. The instruction time does not include the time required to register, validate your identity and your participation, or to download and take any tests. The course site has controls to ensure you meet all the requirements and you have at least 320 minutes of instruction.  How does the I-PIRP course compare to the classroom course? \nBoth the classroom PIRP course and the I - PIRP course have very similar content and information , and both courses include 320 minutes of instruction. The classroom course is given in one daytime session or two evening sessions. You can take the I - PIRP course from home, at a convenient time for you. You must complete the I - PIRP course within 30 days of the date you register for the course. You can take the I - PIRP course at your own speed within the 30-day period. ", "Can I log off and continue an I-PIRP course at a later time or use different computers for separate course sessions? \nYes. You can complete the course in as many sessions as necessary , but you must complete the course within 30 calendar days of registration. Your data will be stored online for each course session. Most sponsors assign you a user ID and a password when you register for the course. You can use your ID and password to log in on any computer that can access the Internet with an acceptable connection.  Are there tests or a final exam for an I-PIRP course? \nAn I - PIRP course can have online quizzes, random tests and/or a final exam to verify your participation and determine if you understand the course content. Some sponsors may require you to take a final exam in person. Test requirements will be explained before you register for the course, normally in the course Terms and Conditions section. In addition to knowledge tests about course content , there will be questions to help verify your identity and participation in the course.  What if I fail the quizzes, tests or final exam? \nThe test and exam process and the effect of results can vary from one sponsor to another. Carefully read the information about tests before you register for the course. The course normally requires you to answer 70% of course content questions correctly. You normally will have two tries to get the correct answer to a question. Tests are timed , and you will have limited time during a test to look for an answer that you do not know. It is recommended that you review the section content before you begin the tests. ", "What if I fail the course? Can I receive a course fee refund? \nIf you do not meet all the requirements to complete the course or meet the minimum test score requirements , you cannot receive credit for course completion and you cannot receive point and insurance reduction for the course. A sponsor can offer for you to take the same course again at no additional costs. The sponsor is not required to offer this.  What is the cost of an I-PIRP course? \nThe cost is set by the course sponsor and the fee varies from one course to another course. Your cost is stated clearly before you register for the course. It is to your advantage to compare courses and their fees.  How do I pay for an I-PIRP course? \nThe sponsor will normally require you to pay with a credit card , but this is determined by each sponsor. Check with the sponsor for complete information about payment.  What is the procedure for course cancellation and/or refunds? \nIf the sponsor cannot conduct the course or any part of the course , they must give you the option to receive a full refund of all course fees. The sponsor can also offer you the option to reschedule the course, if and when the course is available.  What type of equipment and technology do I need to take an I-PIRP course? \nThe answer depends on the alternate delivery method ADM of the course. For example , if the course is an Internet course , you must have a computer and an acceptable connection to the Internet. For a DVD ADM course , you must have a television and a DVD player. The sponsors must provide any additional technology required to deliver the course. The sponsor must inform you of these requirements when you register for the course. ", "How and when do I receive my course completion certificate? \nThe course sponsor mails the course completion certificate to you by regular mail. An email copy of the certificate is not valid and will not be accepted by your insurance company. The course sponsor must issue the course completion certificates within 14 business days of course completion. Some sponsors offer express mail delivery options at an additional fee.  Does the DMV send my completion certificate directly to my automobile insurance company? \nNo. You must contact the insurance company and supply your certificate to them for insurance reduction benefits.  Are the I-PIRP websites secured? \nYes. The DMV requires that the sponsors and their delivery agents provide secure websites that protect the personal information of those who take the courses.  What personal information is required to take the course? \nThe sponsors collect personal information to verify your identity and your participation. This can include identity information like the DMV ID Number Client ID Number from your NY State driver license and your name and date of birth. You should make sure to use your name exactly as it appears on your New York State Driver License don t use nick names. The sponsor will also collect credit card information for the course fee. Identification and participation information can also include biometrics like keystrokes, facial recognition or voice recognition.  Is my personal information kept after I finish the course? \nRead the privacy and security information at the web site of the I - PIRP sponsors. The sponsors are required to store your personal information on a secure server for a time period specified by DMV. The DMV verifies the security of the servers that host the course. ", "What is done to ensure that the person who registers for the course is the person who takes the course? \nEach course sponsor has different methods to validate that the person who registered for the course is the same person who takes the course. Any person who attempts to defraud the system or who accepts a course completion certificate and its associated benefits without having personally completed the entire course has committed a crime and may be subject to prosecution, fines and imprisonment. Important : If you don t have a New York State DMV ID Number Client ID Number from your NY State driver license , the ADM course completion can t be applied to your license record. You may have to file Request for Driver and/or Vehicle Record Information form PDF [2] MV-15 before you attempt to take an ADM course.", "Transfer ownership \nDetermine exactly what you need before you buy a vehicle \nUse DMV s Document Guide to make sure you get all documents you need from a seller so that you can register your vehicle in New York. Find your proofs [1 ]  In general, when transferring ownership... \nThe seller must either complete and sign the transfer ownership section of the title certificate , and sign a bill of sale [2] even if it is a gift provide other acceptable proofs [3] of ownership and transfer of ownership The buyer must sign the bill of sale [2] even if it is a gift pay sales tax [4]or have proof of an exemption register and title the vehicle or trailer [5] or snowmobile, boat, moped or ATV [6] or transfer a registration from another vehicle [7] they own to their new vehicle  Proof of ownership \nThe proofs of ownership needed to register and title a vehicle in New York are different for different types of vehicles for example, cars, trailers, boats, snowmobiles, manufactured homes. Acceptable proofs of ownership [3 ] Get proof of ownership at purchase [8 ] Deceased owner [9 ] Proof of ownership at purchase [8 ] Proof of ownership is not available [10 ]  How to register \nSee information for how to register a vehicle you bought or received as a gift. Register and title a vehicle or trailer [5 ] [ 6]Register a snowmobile, boat or ATV [6 ] Transfer a registration to another vehicle you own [7 ] How to register a newly purchased vehicle if you do not have the title [11 ] You must register the vehicle at a DMV office. You cannot do this over the phone, online, or by mail. ", "Additional information \nChanging names \nYou cannot change the name on the vehicle registration or the title certificate to the name of another person. You must transfer the ownership of the vehicle.  Flood damage \nYou can check the National Insurance Crime Bureau database [12] to see if a vehicle is flood damaged. You will need the Vehicle Identification Number VIN.  Tips for buying a vehicle \nRead the DMV brochures, Let the Buyer Be Aware [13], and Q&A About Your Title Certificate [14].", "How to renew a license[1] \nYoumust renew your license before it expires or you could face fines. 1 You can renew up to 1 year before it expires and 2 years after there are no exceptions. Once renewed , your license expiration date will be extended for 8 years.  If you plan on traveling \nWe recommend you renew in a DMV now to get an Enhanced or REAL ID, and avoid a second office visit later. 3 Learn about Enhanced, REAL ID and Standard documents [2].  Renew at an office and get an Enhanced or REAL ID \nYou don't have to get an Enhanced or REAL ID. 4 However , if you have a Standard , you will not be allowed to board a domestic flight starting in October 2020 unless you have a Passport. Complete this guide to make sure you have the proofs of identification and paperwork you need before you come to DMV. You can make a reservation at some DMV locations after completing the guide. You do not need a reservation to visit the DMV. Find your proofs [3 ] You can take a vision test at the DMV, for no additional charge. You will receive a temporary license to use until your new license arrives by mail within 10 business days.  Renew online \nWARNING: If you renew your Standard online , your new license will show :' NOT FOR FEDERAL PURPOSES'. Don't delay! Get your Enhanced or REAL ID today. ", "You must renew at a DMV office if you \nhave a commercial driver license CDL 5 want to update your photo  Follow these 3 steps to renew online and keep your current document type \nIf you already have an Enhanced or REAL ID, or you want to keep your Standard , you can renew online. Your document type will stay the same. Step 1: Pass an eye test by an approved provider , like a pharmacy find a test location now [4], or have a professional complete a paper report. Step 2: Renew online 7 You will keep the same document type you currently have Standard, REAL ID or Enhanced. Step 3 : Download and print a temporary license in PDF format to use until your new license arrives. It will arrive in the mail within 10 business days. Renew license online [5 ]  Renew by mail \nWARNING: If you renew your Standard by mail , your new license will show :' NOT FOR FEDERAL PURPOSES'. Don't delay! Get your Enhanced or REAL ID today. If you already have an Enhanced or REAL ID, or you want to keep your Standard , you can renew by mail. Your document type will stay the same. Complete the renewal notice we mailed you and return it with a completed Vision Test Report PDF [6] MV-619 - or get tested by an approved vision registry provider find a test location now [4 ] a check or money order payable to Commissioner of Motor Vehicles If you did not receive a renewal notice , you can use an Application for Permit, Driver License or Non - Driver ID Card PDF [7] MV-44 Mail to: NYS Department of Motor Vehicles207 Genesee Street, Suite 6Utica, NY 13501 - 2874 ", "Fee (cost) \nYour renewal fee is on the renewal application we mail you and displayed before you pay online. They are also listed on the chart below for different types of licenses. The fees listed include the photo document fee and the supplemental Metropolitan Commuter Transportation District MCTD fee, if required. 8The additional fee for an enhanced driver licensed EDL is $30.00. The fee is added to the renewal fees for the driver license. There is no additional fee for a REAL ID, just the normal renewal fee will be charged. If you have any other class combined with Class M or MJ example: DM , add an additional $8.00 to the fee above. If you apply by mail or at a DMV office , you can pay by credit / debit card or a check or money order made out to Commissioner of Motor Vehicles. To apply online , you must use a credit / debit card. The DMV accepts : American Express Card Discover Card /Novus MasterCard MasterCard Debit card without personal identification number PIN VISA Card Visa Debit Card without personal identification number PIN  Additional information \nVeteran status designation \nIf you are a qualified U.S. military veteran who was honorably discharged, and you have a NY State driver license, learner permit or non - driver photo ID card , you can have the word \" Veteran \" printed on the upper left hand of your photo document. There is no additional fee for the veteran status designation on your document , but all regular transaction fees will apply. Learn how to get the veteran status on your license [8]. If you are active in the military , please see our military resources [9] for more information on renewing- and thank you for your service! ", "Your new license will come in about 10 business days \nYou can check the mailing status online [10]. If it has been more than 2 weeks since you renewed , contact us [11].  Your address must match the one on our records \nYou can first change your address online [12] and then renew. There is no guarantee that the US Postal Service will forward your DMV documents to your new address.  If you are turning 21 soon \nIf you renew more than 40 days before your 21st birthday , your license will have' UNDER 21' 10  Out of the state or country \nWhen out of NY State we recommend that you renew your NY driver license through the mail. 11 Send us the renewal notice we mailed you MV-2 or if you don't have it , use the Application for Permit, Driver License, or Non - driver ID PDF [7] MV-44 a Vision Test Report PDF [6] MV-619 completed by an eye care professional a check or money order payable to Commissioner of Motor Vehicles Send us a pre - addressed priority mail return envelope with your application. This will help ensure that we send your license to the correct address.  Temporary Visitors and international students \nAs long as the Temporary Visitor status that DMV has on file is not expired you can renew your license online, through the mail or in an office. If your Temporary Visitor status has been extended , you must go to a DMV office with your updated paperwork from the United States Department of Homeland Security DHS. We will update our records to show that your Temporary Visitor status has been extended so you can renew your license. Your new license will have your new temporary visitor expiration date. ", "Changing license class when renewing \nYou cannot change the class when you renew online. You can make these changes when you renew by mail or at a DMV office. You cannot make any other class changes when you renew. Other changes require a written test and a road test. See Get a CDL [13] or Get a motorcycle license [14]. If you renew by mail , include a note about your class change in your renewal envelope at a DMV office , tell the DMV representative about the change You will need to pay the renewal fee [15] for your new driver license class. If you drive with expired license get a traffic ticket , you will receive fines and penalties 60 days or less after the expiration date : $ 25 to $40 plus state and local surcharges more than 60 days after the expiration date : $ 75 to $300 plus state and local surcharges Renewal anytime within this period will not affect the expiration date of your new driver license or the fees. If your license is expired for 2 years or more , you must apply for an original license. You must pass the vision test and the written test, complete a pre - licensing course and pass a Road Test. See Get a driver license [16]. Starting in October 2020 , you will need an Enhanced or REAL ID to board a domestic flight unless you have a passport. If your license was issued before October 30 , 2017 and is not Enhanced , you have a Standard document. Newly issued Standard documents show :' NOT FOR FEDERAL PURPOSES'. If you want to renew in an office and keep your Standard document type , follow these steps : Step 1 : Complete the renewal notice MV-2 we mailed you. if you did not receive a renewal notice , you can use an Application for Permit, Driver License or Non - Driver ID Card [7] MV-44 Step 2 : Come to an office. Bring your current Standard license your renewal notice or application payment Newly issued Standard licenses show :' NOT FOR FEDERAL PURPOSES'. See information about how to renew a CDL [17]. You can have a Vision Test Report PDF [6] MV-619 completed by a medical professional listed below, and then enter the report information on the online transaction. You do not need to mail or bring us the report if you renew online. physician physician's assistant ophthalmologist optometrist optician registered nurse nurse professional At the start of your online renewal transaction , you will be asked if you would like to register to vote or change your party designation. You are not required to register to vote , but you will be required to answer the question to proceed with your transaction. If you answer yes , you will complete your voter registration application as part of your renewal transaction. Residents of the following counties must pay a supplemental Metropolitan Commuter Transportation District MCTD fee: Bronx, Kings Brooklyn, New York Manhattan, Queens, Richmond Staten Island; Dutchess, Nassau, Orange, Putnam, Rockland, Suffolk and Westchester. The MCTD fee is $1.00 for every 6 months the permit or driver license will be in effect. For an 8-year driver license , the MCTD fee is $16. If you have a Class A, B or C with an endorsement of H or X , you must pass the hazardous materials knowledge test at a DMV office within 2 years before your renewal and pay an additional fee of $5 for the test. 10. If your renewal is processed less than 40 days before your birthday , we will mail you a driver license without the words UNDER 21 on or near the date of your birthday. 11. You can renew online if you are away and have a valid NY driver license have had an eye exam from the last 12 months saved to the DMV Vision Registry [18]. However , your license will not be forwarded to you out of state or out of the country. ", "Show \"do it online\" button in megamenu: \nTopic: \nDriver License [19 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "If you are a qualified U.S. military veteran who was honorably discharged , and you have a NY State driver license, learner permit or non - driver photo ID card , you can have the word \" Veteran \" printed on the upper left hand of your photo document . There is no additional fee for the veteran status designation on your document , but all regular transaction fees will apply. After you receive the veteran designation , it will automatically be on all of your future DMV documents when you replace or renew.  To apply, you must provide proof of an honorable discharge \nAcceptable proofs are that indicates an honorable discharge a U.S. Department of Defense Form DD-214 that indicates an honorable discharge a form DD-215 if discharged before January 1,1950 , an Honorable Discharge form WD AGO 53, WD AGO 55, WD AGO 53 - 55, NAVPERS 553, NAVMC 78PD or NAVCG 553, or an \" Enlisted Separation Paper \" a Certification of Military Service NA FORM 13038 that indicates a discharge that is either \" honorable \" or \" under honorable conditions \" * If your license or permit was issued before October 30 , 2017 and is not Enhanced , you have a Standard document. * * Boarding a domestic U.S. flight , and entering a Federal Building or Military Base starting October , 2020 * * * U.S. Border Crossing from Canada, Mexico and some Caribbean countries Learn more about Enhanced, REAL ID and Standard documents [1]. ", "Apply at DMV office if you also want to change to an Enhanced or REAL ID \nIf you have a Standard license and want to change to a REAL ID or Enhanced while adding your veteran status , you must come into a DMV office. Complete this guide to make sure you have the proofs of identification you need. You will also need to bring your proof of honorable discharge original or photocopies. Find your proofs [2 ]  By mail \nSend a completed Application for Permit , Driver License or Non - Driver ID Card pdf [3] MV-44 your proof of honorable discharge send photocopies, your original documents DMV License Production Bureau Room 331 , 6 Empire State Plaza Albany, NY 12228 You cannot apply by phone or online. If you applied to have the Veteran Indicator added to your license, permit or non - driver ID and were charged a document fee , you are entitled to a refund for the fee A law has been enacted that permits us to refund a fee paid by a veteran in order to place a veteran indicator on their DMV document. You don't need to request a refund or visit a DMV office. Each eligible customer will get a letter and refund check from New York State.", "What is a title? \nA Certificate of Title MV-999 is the official proof of ownership for a car, truck, motorcycle, motorboat, travel or utility trailer weighing 1,000 pounds or more, or manufactured home mobile home. The title certificate is used to transfer ownership from one person to another. The title also lists any \" lienholders \" those from whom the owner borrowed money to purchase the vehicle or manufactured home. It is wise to keep your title certificate in a safe place. Don't keep it in the car or carry it with you.  Which vehicles must be titled? \nNew York State issues a Certificate of Title MV-999 for : most motor vehicles of model year 1973 or newer ; motorboats, model year 1987 or newer, that are 14 feet or longer ; and , manufactured homes , model year 1995 , or newer , that are 8 feet or more in width, or 40 feet or more in length, or cover at least 320 square feet when erected on site. New York State does not issue a title certificate for any motor vehicle of model year 1972 or older, travel or utility trailer that weighs less than 1,000 pounds, or limited used motorcycle including a moped.  What's the difference between a title and a registration? \nFor most owners , a title certificate proves ownership of a car, truck, motorcycle, motorboat, or manufactured home. The title is used to transfer it to another owner. A registration allows a driver to operate a motor vehicle on a public road, or a motorboat on a public waterway. Manufactured homes are not registered. A transferable registration is issued for a 1972 or older motor vehicle, or a 1986 or older motorboat. The transferable portion proves ownership, and is used to sell or give ownership to another person. The registration portion allows the vehicle to be operated on a public road, or a motorboat on a public waterway. ", "How do I obtain a title? \nMost often , you automatically apply for a when you first register your motor vehicle or motorboat. Use the form Vehicle Registration / Title Application PDF [1] MV-82, available at any motor vehicle office, by request from a DMV Call Center or by download from the DMV internet site. You must pay the registration and license plate fees, any appropriate sales tax, and the fee for a title certificate $50.00. The same process is followed by a dealership that handles your registration and title application. The dealership will issue you a temporary registration. You will receive your permanent registration, and license plates if requested, when the Department of Motor Vehicles accepts your application. However , New York State title certificates are not issued over the counter. State law requires the DMV to mail a title certificate to the owner, after carefully examining and verifying the proof of ownership submitted with the application. As a result , the title application process may take several weeks to complete. If you do not receive your title certificate by mail within 90 days after you apply , contact a DMV Call Center. Your registration receipt can help verify your vehicle's plate number, make, year and vehicle identification number VIN. When you receive your title , check to see whether the information it contains about your vehicle is correct and agrees with the information on the vehicle registration document. If the title is incorrect , contact the DMV Call Center and ask about obtaining an amended title. If both the registration and title are incorrect , bring them to a motor vehicle office. ", "How do I obtain a title if I don't want a registration? \nThis is known as a title only transaction. Fill out a Vehicle Registration / Title Application PDF [1] MV-82 or Application for Title PDF [2] MV-82TON, available at any motor vehicle office. It is also available by request from a DMV Call Center or from the DMV Internet Office. When applying only for a title certificate , you must pay the sales tax at a motor vehicle office. Bring your proof of ownership and proof of purchase price. The most commonly accepted proof of purchase price is an Statement of Transaction- Sale or Gift of Motor Vehicle, Trailer, All - Terrain Vehicle ATV, Vessel Boat, or Snowmobile PDF [3] at NY State Department of Tax and Finance DTF-802, available at any motor vehicle office or by from the DMV Internet Office. Both the seller and the buyer must complete the Affidavit of Sale / Statement. Attach your receipt for sales tax payment FS-6 T to your Vehicle Registration / Title Application. Do not send sales tax payments to the Title Bureau. To apply for a title - only because of a, or for a vehicle you will register under the DMV , you may submit a Vehicle Registration / Title Application to any motor vehicle office. For all other title - only transactions , you must mail the following documents to: The DMV Title Bureau, NYS Department of Motor Vehicles, TITLE ONLY , 6 Empire State Plaza, Albany, NY 12228 - 0322. The \" Vehicle Registration / Title Application \" Proof of ownership including any applicable lien release Proof of sales tax payment Retail Certificate of Sale [MV-50] or a receipt for sales tax payment [FS-6 T ] A salvage branding disclosure for vehicles 8 model years or newer The title certificate fee of $50.00 the title fee for a Manufactured Home is $125 by check or money order, payable to the Commissioner of Motor Vehicles. ", "What vehicles must be titled prior to registration? \nEvery vehicle purchased with a Garageman Lien as proof of ownership or any vehicle subject to the DMV Salvage Vehicle Program must receive first be titled before it will be allowed to be registered. An applicant following the Garageman Lien procedure must present ownership documentation that includes a Notice of Lien and Sale PDF [4] MV-901A and a Garageman Affirmation and Bill of Sale PDF [5] MV-901B. An applicant in the Salvage Vehicle program must present a Salvage Certificate MV-907A and anSalvage Examination / Title Application PDF [6] MV-83SAL. For additional information , if needed , contact the DMV Title Services Bureau, telephone 518 486 - 4714. The telephone service is available on weekdays, except Wednesdays and state holidays, between the hours of 9 a.m. and 4 p.m.  What proof of ownership will DMV accept? \nWhen you apply for an original title certificate , you must provide proof ownership signed over to you, proof of sales tax payment, and proof of identity. For a purchase made from a New York State registered dealer , the proof of ownership is a Manufacturer's Certificate of Origin MCO or the vehicle's Certificate of Title MV-999, plus the dealer's Certificate of Sale MV-50. For a casual sale , that is if you made your purchase from an individual or a business that is not a registered dealership , the ownership proof is a transferred Certificate of Title. If your purchase does not qualify for a title certificate , the ownership proof is a transferable registration signed over to you. * If the listed proofs of ownership are not available , contact a DMV Call Center or a motor vehicle office before you make your purchase. Without proper proof of ownership , you will not be issued a New York State Certificate of Title , and you may not be allowed to register your vehicle. * * You may register a vehicle, but not receive a NYS Certificate of Title, if your vehicle's original title certificate that was issued outside New York State is held by a lienholder. To register , your Application for Registration / Title MV-82 must include a certified photocopy of the out - of - state title certificate in your name, or written verification from the out - of - state motor vehicle title authority that you are the vehicle owner and that the other state authority had sent the original title to the lienholder. If you own the vehicle but do not have the certified photocopy or the written verification , it may be registered if you present an out - of - state registration document issued in your name. After the lien is satisfied , you will receive the original out - of - state title certificate from the lienholder. To apply for a original NYS Certificate of Title , you must mail to the DMV Title Bureau: the notice of lien satisfaction, the original out - of - state issued title certificate, and a letter explaining your circumstances. ", "What if I need a duplicate title or if my title is lost or stolen? \nA duplicate title is needed if your title certificate has been damaged, lost or stolen. You may apply online [7] or at any motor vehicle office for a duplicate title with no change of address. If you apply at an office , submit an Application For Duplicate Certificate Of Title PDF [8] MV-902, and provide proof of your identity and current address. The fee is $20.00. Your duplicate title will be processed within 72 hours after your application is accepted and will be promptly mailed to you. You also may mail your application to the DMV Title Bureau, with photocopies of your proofs of identity and address and the $20.00 fee by check or money order, payable to the Commissioner of Motor Vehicles. If you mail the application , please allow added time for postal delivery to the DMV. Please note: As soon as a duplicate title has been processed , the original title and any prior duplicates are no longer valid and may not be used to transfer your vehicle.  What is a lien, and how is it recorded on my title? \nA \" lien \" means that someone other than the owner has a security interest in your motor vehicle, motorboat, or manufactured home. This usually is the bank or finance company that loaned you money to pay for its purchase. The lienholder is listed on the title certificate and on the DMV computer records. The lienholder or dealership will complete forms and pay a fee to have the DMV record the lien on your title. As the new owner , you probably will not be involved in filing the lien. The lender cannot charge you the recording fee. A lien recorded on an out - of - state title will automatically be printed on a New York title certificate unless your New York title application includes proof that the loan has been paid in full. If a lienholder unknown to you is listed on your title certificate , contact a DMV Call Center. ", "What if a lienholder has the original out-of-state title? \nUnless the lien is satisfied , you can receive a New York registration but not a Certificate of Title. To register , obtain a certified photocopy of the title, or written verification from the other state's motor vehicle title authority that you are the owner, and a letter from the lienholder authorizing you to register the car in New York. To receive a New York State title certificate after the lien is satisfied , you must mail the out - of - state title, the proof of lien satisfaction, and a letter of explanation to the Title Bureau.  How do I remove a lien from my NY title and get a \"clear\" title? \nWhen you have paid your loan in full , the lienholder must promptly send you a proof of lien satisfaction called a \" lien release. \" This is usually a Notice of Recorded Lien MV-901, marked and endorsed by the lender proving payment. It might also be a letter on the lender's stationery identifying the borrower's name, the vehicle by make, year and vehicle identification number, certifying the date of full payment and release of the security interest, and signed by an officer of the lending institution. Keep this lien release. You will need to give it to a buyer, along with your title certificate, when you transfer ownership. The DMV will accept only the signed, original release. You also may request the DMV Title Bureau to remove the lien from your New York State issued title by mailing the original lien release form or letter, the original title certificate, and a check or money order for $20 payable to the Commissioner of Motor Vehicles. Photocopies are not accepted. If your address has changed since the title was issued , send proof of your current address examples: a photocopy of your current registration, driver license, or utility bill. A new title certificate that does not indicate the lien will be promptly processed and mailed to you. PLEASE NOTE : You are not required to obtain a clear title after the lien has been satisfied. Keep the original lien release, attach it to your title and give it to the vehicle purchaser when you transfer ownership. ", "How do I transfer a title? \nYou cannot transfer a title certificate to a new owner if the reverse side of the title is already signed over to you. You first must obtain a title in your own name, then transfer it to the new owner. The DMV will not accept titles with cross - outs, alterations or erasures of any kind. As seller , you must complete the \" Transfer by Owner \" section on the back of the title. Do not write on or mark the front. Do not fill in any information until you actually make the transfer to the new owner. If you change or correct any information, including signatures or addresses , the title will not be valid. If the title is voided , even if by error , you must obtain a duplicate title see above What If I Need A Duplicate Title or My Title Is Lost Or Stolen? before you can transfer ownership. For motor vehicles that are 10 model years old or newer , the seller must complete the odometer disclosure statement on the back of the title certificate. For vehicles older than 10 model years , odometer disclosure is not required. The Damage Disclosure Statement on the back of the NYS title certificate must be completed for all vehicles regardless of the vehicle's age. Then , in the title certificate transfer portion , clearly print the seller's name and address, the buyer's name and address, and the date of transfer. As seller , when you sign on the line for \" Seller's Signature , \" the vehicle will immediately belong to the new owner. The new owner cannot legally drive the vehicle before obtaining new license plates and a new registration, or transfer them from another registered vehicle. Tip: Before you complete the sale , take your license plates off the vehicle, and remove your registration sticker from the windshield. Unless you transfer the plates to another vehicle , turn them in at a DMV office as soon as possible. ", "What is a motor vehicle \"branding\"? \nA motor vehicle branding is a written notice that a motor vehicle previously either: did not conform to its warranty; had been rebuilt following damage in excess of 75% of its retail value at the time of loss; originally entered New York State under a branded out - of - state title; had not been manufactured to U.S. standards; has been reconstructed; or is not equipped with a tamper - resistant odometer. A dealer must inform a customer, in writing, if a branded vehicle is being shown or sold. This may be a notice placed on the dealer's bill of sale or handed to the customer. The branding also may be a printed notice on the front of the title. Read the DMV publication Let the Buyer Be Aware, Buying a New or Used Car [9] C-18 for helpful information about brands on titles and what they mean. If you are considering a vehicle that has a title with any notation you do not understand , contact a DMV Call Center for information before you purchase the vehicle.  What should I do if I'm the buyer? \nCarefully examine the current owner's Certificate of Title MV-999 you buy. Be sure the information is correct , and that the title certificate identifies the motor vehicle, motorboat, or manufactured home being sold. Compare the vehicle identification number VIN on the title with the actual VIN. A motorboat's VIN is located on its hull , and a manufactured home's VIN is stamped on its chassis. A motor vehicle's VIN is usually located on the driver's side dashboard, near the windshield : For a motor vehicle 10 years old and newer , be sure the odometer reading, your name and address as buyer, and the date are printed clearly in the spaces provided under \" TRANSFER BY OWNER \" on the reverse of the title. If the odometer reading is not available on the title , you must obtain a completed Odometer And Damage Disclosure Statement PDF [10] MV-103 from the seller. Sign as indicated on the appropriate place on the title certificate or on the MV-103 to acknowledge you have seen the reported mileage. For a motor vehicle 8 years old or newer , be sure the seller has completed the appropriate damage disclosure statement. This statement indicates whether or not the vehicle's new title certificate should be branded \" Rebuilt Salvage. \" The damage disclosure statement is printed on the reverse of title certificates issued beginning 1994. If an older version of the title is used , the seller must give you a completed Odometer And Disclosure Statement MV-103, available at any motor vehicle office. It is also available from a DMV Call Center or from the DMV Internet Office. If the seller indicates the vehicle has been damaged to the extent that the cost of repairs would be in excess of 75 percent of the retail value of the vehicle at the time of loss , the vehicle cannot be registered. It must undergo a salvage vehicle examination by DMV. After the vehicle passes the exam , the DMV will issue a branded title. PLEASE NOTE: If the vehicle is 8 model years old or newer , the DMV will NOT register your motor vehicle or issue you a new title certificate unless the seller has completed, and you have signed, the damage disclosure statement on the reverse of the vehicle's Certificate of Title MV-999 or attached a completed damage disclosure on an Odometer And Damage Disclosure Statement MV-103. IMPORTANT : THE DMV MUST EXAMINE EVERY VEHICLE IDENTIFIED \" REBUILT SALVAGE \" FOR STOLEN PARTS THE VEHICLE CAN BE REGISTERED OR TITLED. Be sure the person named on the front of the title is the person actually transferring it. Do not accept a title with anything altered, crossed - out, written - over or erased. If a lienholder is listed on the front of the title , be sure the seller gives you the original proof of lien release before you complete the purchase. Otherwise, you may become responsible for the lien , and your purchase could be repossessed for non - payment. As the new owner , you will need proof of the purchase price for sales tax purposes--have the seller fill out the appropriate NYS vehicle sales tax form, most often the \" Affidavit of Sale / Statement of Transaction \" DTF-802 available at any motor vehicle office, by request from a DMV Call Center or from the DMV Internet Office. Bring the completed form when you apply for registration and title. Then have the seller sign his or her name in full on the line marked \" Seller's Signature. \" The purchase now belongs to you. Title BureauNYS DMVPO Box 2750Albany , NY 12220 - 0750 NEW YORK STATE DEPARTMENT OF MOTOR VEHICLESMark J. F. Schroeder , Commissioner C-19 02/00 Return to DMV Publications [12 ]", "A Driving School License is required of any person, firm, association or corporation engaged in the business of giving instruction in the operation of motor vehicles or motorcycles for hire. The process of opening a driving school involves several steps. These steps are also outlined in the form Opening a Driving School [1] MV-299.2. To open a driving school , you will need to meet DMV s requirements below for your place of business a qualified, experienced instructor see below to meet DMV s requirements for records receipts, etc. and record - keeping authority to operate a business in New York State and this location  Requirements \nYou must receive approval from DMV for the use of the name for your driving school see also Request for Approval of Driving School Name [2] before you submit an application. be at least 50 square feet, which is accessible by your customers be in a suitable building see Part 76.2 for details be at least 1,500 feet from a DMV office or road test area Applicant must be given a receipt for all payments hours of operation schedule of fees NOTE: If your school will teach the Pre - licensing course , you must also have a classroom that meets DMV s requirements see also Request for Premises Check [3]. you must have an experienced instructor who holds a valid instructor s card, and has at least 1,000 hours of experience as a behind - the - wheel instructor. you must keep appropriate records. you must have a vehicle used for training and testing students that meets DMV s requirements see also List of Driving School Vehicles [4]. All vehicles except motorcycles must have Student Driver signs and be equipped with dual - control brakes and mirrors for the instructors use. ", "How to apply \nAfter you receive approval of your business name from DMV , you must submit the following items to DMV your Request for Approval of Driving School Name [2] form MV-299.3 that shows your Driving School name was approved by the DMV see \" Driving School Name Approval \" above a completed Driving School License Application [5] form MV-521. You must list at least one Driving School Instructor who holds a valid Driving School Instructor Certificate MV-524 and has a minimum of 1,000 hours of behind - the - wheel instruction experience the application fee of $50.00 non - refundable. Make your check or money order payable to \" Commissioner of Motor Vehicles \". We cannot accept cash or credit cards a completed Personal History [6] form MV-521.1 for each owner, partner, corporate officer, agent, employee and major stockholder 20% or more of stock listed on your Driving School Application MV-521 if you have employees , you must submit proof of current Workers Compensation and Disability Benefits Insurance Coverage. See the instructions on the Driving School License Application [5] MV-521 for more information if you do not have employees , you must submit a completed CE-200 available from the NY State Worker's Compensation Board. This form is to show a government agency that NY State Workers Compensation and Disability Benefits insurance are not required a X-201 , a X-74 or DOS-1025. See Opening a Driving School [1] MV-299.2 for more details a copy of the lease for your proposed place of business a Certificate of Occupancy for your proposed place of business a copy of the receipt provided to clients as required by Section 76.8 of the Commissioner's Regulations [7]. See also Receipts and Contracts [8] MV-299.4 a copy of the Student Record Card as required by Section 76.8 of the Commissioner's Regulations [7 ] a schedule of fees for all services your driving school will provide a list of all vehicles to be used in training and testing. See also List of Driving School Vehicles [4] MV-527 an Application for Driving School Instructor Certificate [9] MV-523 for each instructor Send all required items to : New York State Department of Motor VehiclesBureau of Driver Training Programs6 Empire State Plaza , Room 327Albany , NY 12228 473 - 7174 ", "After application is submitted \nAfter your application is reviewed by DMV in Albany , it is sent to your local Motor Vehicle office. Your local Motor Vehicle office will schedule an inspection. When the inspector visits your location , be prepared to show the original lease the original business certificate and/or corporate papers and/or filing receipt a sample customer receipt and student record card signs and advertising see Commissioner Regulations Part 76.21 [7 ] a permanent, bound book or record - keeping system a filing cabinet If your school intends to offer the Pre - Licensing Course , you will also need to have the classroom inspected. The classroom requirements are listed on the Request for Premise Check [3] form MV-279, and include If the classroom facilities are combined with office space , the combined total must be at least 200 square feet the classroom must be clean, comfortable, and easily accessible to students with disabilities adequate seating for each student adequate heating , ventilation , and lighting rest room facilities easily accessible to all students appropriate chalkboard , flipcharts , and audio / visual equipment  After approval \nAfter your business location is inspected and approved , we will notify you that you need to pay the driving school license fee of $50. Your new license will be valid for one year. Once we receive the driving school license fee , we will mail your Driving School License which must be posted in plain sight in your place of business and a Driving School Instructor Certificate for each of your instructors. If you have any questions about these requirements or documentation , please call Driver Training Programs at 1 - 518 - 473 - 7174.", "I received a suspension order for an unsatisfied judgment related to a motor vehicle accident, collision or crash. What do I need to do? \nTo remove a suspension related to an unsatisfied judgment , you must resolve the judgment. If you were notified that there is an unsatisfied judgment suspension on your record you must contact the attorney or court that issued the judgment. The information on the suspension order will advise you of the name of the court and the court index number for the judgment. The DMV cannot clear the suspension without proof from the court. Once you receive the original documentation from the court or attorney , you must send the original documents to DMV for clearance. If you do not know which court to contact , you can call the NY State DMV Insurance Services Bureau. See Contact us [1]. \n\nHow do I get an unsatisfied judgment against another motorist? \nTo get an unsatisfied judgment against a motorist as a result of a motor vehicle accident, collision or crash , you must file a Supporting Affirmation PDF [2] SR-60 and the other documents listed on the affirmation SR-60. \n\nWill the DMV suspend the driver license and all of the registrations of a person who has an unsatisfied judgment against them? \nYes. The DMV will suspend the license and registrations if the person fails to pay or satisfy a judgment of more than $1,000 and the judgment is related to a motor vehicle accident, collision or crash which causes property damage, bodily injury or death. The DMV will also suspend all vehicle registrations of the company the privilege to register another vehicle", "Conviction of a serious traffic violation or multiple traffic violations can result in the suspension or revocation of your driver license or privilege to drive in New York State. It is illegal to drive here when your driver license or driving privilege 1 is suspended or revoked. If your license or driving privilege is suspended or revoked , DMV will send a notice called an order to the address we have on file. Be sure to follow the instructions on the order.  Suspended driving privilege \nA suspension means your license or driving privilege will be taken away for a period of time. You may need to pay a suspension termination fee [1]. Your suspension period can be definite which has a beginning and end date or indefinite, which does not end until you take a required action.  Definite suspensions \nIf you receive a , it will tell you how long the suspension period will last. You cannot drive until the period ends, you pay a termination fee, and have a valid driver license again. You can use DMV s My License, Permit or ID [2] service to check if your license is valid. Common reasons for definite suspensions you did not have automobile liability insurance 2 you were convicted of an alcohol or drugged driving charge 3 you received too many traffic tickets in a certain amount of time 4 you did not follow the rules for junior drivers 5 ", "Indefinite suspensions \nIf you receive an , it will tell you what you must do to remove the suspension. Common reasons for indefinite suspensions you did not answer a traffic ticket 6 you did not pay for a traffic ticket fine 7 you did not file a motor vehicle accident report you failed to pay child support 8 you have unpaid NY State tax debts 9 you did not have automobile liability insurance 10 Note : Your license or driving privilege may be suspended due to a medical condition that affects your ability to drive safely see Administrative Review Suspensions [3].  Revoked driver license or driving privilege \nIf you receive an order from DMV saying your license or driving privilege is revoked , this means your license has been cancelled and you must get a new one when the revocation period ends. In most cases , before you can get a new license you must first request approval from DMV [4] when the revocation period is over. You may be required to take the written and driving tests again and pay a license re application fee. Your application may be denied if you have a high risk driving record or fail to meet DMV requirements. You may also need to pay a driver civil penalty [5] before your license or driving privilege can be restored. Common reasons for revocations are you operated or permitted operation of a vehicle without insurance you were involved in an uninsured motor vehicle accident you were convicted of an alcohol or drugged driving charge 11 you were convicted of a serious traffic offense or multiple offenses you failed a DMV road test you made a false statement on an application for a license or registration you were a driver in a motor vehicle crash that involved a fatality See also Suppose Your License was Taken Away [6]. ", "How to check if your license is suspended or revoked \nSign up for MyDMV and use the My License, Permit or ID [2] service. A driving privilege is your legal authority to drive in a state other than the state that issued your driver license. If you have a driver license issued in another state , DMV can revoke your privilege to drive in New York State , but your out - of - state license may still be valid to drive in other states. If you were suspended for an insurance lapse , you can submit proof of insurance online [7]. If the vehicle is not insured and the registration is still valid , you must surrender your registration and plates [8] to DMV. If you are required to pay the suspension termination fee , you can pay online. See more information about insurance lapses [9]. For more information , see Alcohol or drug related violations [10]. For more information , see About the NY State Driver Point System [11 ] See Information about the Graduated License Law [12] for more information. If you were suspended because you did not answer a traffic ticket issued in New York City the ticket will say Traffic Violations Bureau , you can plead or pay for the ticket online [13]. If the traffic ticket was issued in any other part of New York State , you must contact the local court directly. DMV s My License, Permit or ID [2] service can give you additional information about where to respond to a traffic ticket. If you were suspended because you did not pay a fine for a traffic ticket issued in New York City the ticket will say Traffic Violations Bureau , you can pay the fine online [13]. If the traffic ticket was issued in any other part of New York State , you must contact the local court directly. DMV s My License service [2] can give you additional information about where to pay to a traffic ticket. To remove a suspension for the failure to pay child support , you must contact the local child support enforcement agency or the NY State Office of Temporary and Disability Assistance OTDA. The OTDA website [14] has a list of local child support enforcement agencies. For information on clearing these suspensions , contact the Department of Taxation and Finance at 518 - 862 - 6000 or visit their website at www.tax.ny.gov [15]. 10. If you were suspended for an insurance lapse , you can submit proof of insurance online [7]. If the vehicle is not insured and the registration is still valid , you must surrender your registration and plates [8] to DMV. See more information about insurance lapses [9]. 11. See Alcohol or drug related violations [10] for more information.", "My vehicle plates were lost, stolen or destroyed. What can I do? \nYou must surrender the vehicle registration to the DMV. If two vehicle plates are lost, stolen or destroyed (or one plate if the vehicle was issued only one plate, e.g. motorcycles), you need to notify the police, and ask the police to complete a police report. Bring police report to a DMV office [1] to surrender the vehicle registration. if the plates were lost, stolen or destroyed in New York State, ask a NY State police agency to complete a' Certification of Lost License, Permit or Plates' MV-78B this form is only available from law enforcement - it is on the DMV website if the plates were lost, stolen or destroyed outside of NY State , get a report printed on the letterhead of a police agency in the state where the incident happened If you cannot get a police report , write a statement that includes your plate number and explains why you cannot surrender your NY State plates. If one plate from a set of two plates is lost, stolen or destroyed , you don t need to complete a police report. Bring the plate you have to a DMV office to surrender the registration. However , if you would like to replace your plates without paying a fee , you must submit a police report or an MV-78B indicating the plate was stolen or destroyed as a result of a crime. ", "How can I get new plates? \nYou may request a new set of plates at a DMV office. Bring these items with you : the original plate or the MV-78B / police report / statement a completed Vehicle Registration / Title Application PDF [2] MV-82 proof of insurance 1 proof of your identity 2 Print this checklist [3 ] The DMV will issue you a new registration and replacement plates. If the plate were lost or destroyed , you will need to pay for the new plates, and a fee of $3.75 to issue a new registration. The fee for plates are $ 25 for a set of 2 plates $ 12.50 for a vehicle that is only issued one plate ; e.g. motorcycles) You don't need to pay a fee to replace stolen plates. However , you will need to provide a police report or an MV-78B indicating that the plates were stolen or destroyed as a result of a crime.  What can I do if my vehicle was stolen? \nSee information about stolen and recovered vehicles [4]. Your insurance company will: 1) give you 2 barcoded original NY State Insurance ID cards (see a sample [5]) or provide you with access to your digital electronic NY State Insurance ID Card 2) send an electronic notice of insurance coverage to the DMV (your insurance agent or broker cannot file this notice) Your NY State Insurance ID cards and the electronic notice together verify your coverage. We need both. You must register your vehicle within 180 days of the effective date on your Insurance ID Card. Bring one copy or form of your Insurance ID Card with you. The DMV office will keep the paper card. Keep the other paper card with the vehicle as your proof of insurance. Anyone operating your vehicle must be able to provide proof of insurance. Learn more about NY State Insurance Requirements [6]. Your proof of identity can be your NY State Driver License, Permit, or Non - Driver ID Card. For other acceptable proofs see Proofs of Identity for Registration and Title pdf [7] ID-82.", "Get a vehicle registration or title record (abstract)[1] \nWhat are vehicle registration and title record abstracts? \nSee a definition of vehicle registration and title record abstracts [2] issued by the New York DMV.  How do I get my vehicle registration record abstract? \nYou can order your vehicle registration abstract by using form Request for DMV Records PDF [3] MV-15. Include these items with your request your plate number or Vehicle Identification Number VIN if you do not know your plate number or VIN , provide your name and date of birth DOB, as well as the vehicle make and year a photocopy of your driver license or other government issued photo ID card as proof of identity a personal check or money order payable to \" Commissioner of Motor Vehicles \" to pay the search fee of $10.00 Mail to the address listed on the form.  How do I get my vehicle title record abstract? \nYou can order your title record abstract by using form Request for DMV Records PDF [3] MV-15. Include these items with your request the Vehicle Identification Number VIN if you do not know the VIN , we may be able to locate the record using our registration files - provide the name and date of birth DOB of the registrant, as well as the year and make for the vehicle a photocopy of your driver license or other government issued photo ID card as proof of identity a personal check or money order payable to \" Commissioner of Motor Vehicles \" to pay the search fee of $10.00 Mail to the address listed on the form. ", "How do I get another person's records? \nYou must submit a Request for DMV Records PDF [3] MV-15 and certify that you have a permissible use under the Driver's Privacy Protection Act DPPA to see the personal information of another person on DMV records. See Driver's Privacy Protection Act DPPA [4] for more information.  Do it by mail: \nYou can order your vehicle or title record abstracts by mail using the Request for DMV Records [3] MV-15.  Show \"do it online\" button in megamenu: \nTopic: \nDMV Records [5 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "What REAL ID means to you \nBeginning on October 1 , 2020 , the federal government will require your driver license, permit or ID card to be REAL ID compliant if you wish to use it as identification to board a domestic flight within the U.S., or enter military bases and certain federal facilities. Enhanced driver license, permit, or non - driver ID [1] and valid U.S. Passport are already REAL ID compliant and can be used to board a flight. Please visit www.dhs.gov [2] for more REAL ID information.  The REAL ID Act \nPassed by Congress in 2005 , the REAL ID Act establishes minimum security standards for state - issued driver licenses, permits and ID cards. The Act also prohibits federal agencies, like the Transportation Security Administration TSA, from accepting cards for official purposes from states that do not meet these standards.  New York State DMV began issuing REAL ID licenses, permits, and ID cards on October 30, 2017 \nYou can get a REAL ID at any time , but you will need to go to a DMV Office. You cannot get a REAL ID online, by phone, or through mail.  You MUST bring to the office the following original or certified proof documents: \nProof of identity , such as valid license, birth certificate or passport, with your full first, middle if applicable and last name. This name , as it appears on your proof of identity , will be displayed on your card as required by federal law. Proof of Social Security Number or Social Security Number ineligibility. If you a valid NY license, permit or ID card , you must bring your original social security card or W-2 with full SSN. If you a New York State driver license or identification card , you must bring your Social Security Card or a letter from the Social Security Administration proving your ineligibility to have a social security number. If you lost your Social Security Card , you must get a duplicate before you come to the DMV. The Social Security Administration website has more information on obtaining a duplicate card [4]. Proof of your date of birth. Proof of U.S. citizenship , lawful permanent residency or temporary lawful status in the U.S. Two different proofs of New York State residence such as utility bill, bank statement or mortgage statement (P.O. Box not acceptable). This address will be displayed on your card. If the name on your license , permit , or non - driver ID application does not match the name on your identity, lawful status, and social security proofs you must bring in court or government issued proof documenting the event causing your name change such as a marriage license , divorce decree , adoption , or court order document. The application process also requires the DMV to take a new photo. Complete this guide to find out exactly what proof documents are needed before going to an office. Find your proofs [5 ] ", "Cost for a REAL ID \nThere is no additional cost to get a REAL ID. All normal transaction fees still apply. If you want to apply for an Enhanced Driver License [1] or Enhanced ID Card [6], there is an additional $30 fee.  Sample of Enhanced, REAL ID, and Standard License \nLearn more about Enhanced, REAL ID and Standard documents [7].  Getting a REAL ID is mandatory but is encouraged \nA REAL ID is optional and is not needed for the following : Being licensed to drive Voting or registering to vote Entering Federal facilities that do not require a person to present identification Applying for or receiving Federal benefits Accessing health or life preserving services including hospitals and health clinics, law enforcement, or constitutionally protected activities including a defendant s access to court proceedings Participating in law enforcement proceedings or investigations If you decide you do not want a REAL ID or Enhanced document , please be advised that any license, permit or ID card issued after October 30 , 2017 will be marked Not for Federal Purposes. If you have a U.S. Passport , it can be used for identification, boarding a plane for domestic and international flights, and entry into a federal building or military base.  Under 18 years old \nTSA does not currently require children under 18 years old to provide identification when traveling with a companion within the United States. The companion will need acceptable identification. Please visit www.tsa.gov [8] for more information.", "What do I need to do with my plates if I move out of New York? \nIf you want to register your vehicle in another state , you must surrender your vehicle registration and plates to the New York DMV [1].  Is out-of-state insurance acceptable for a vehicle registered in New York? \nNo. If your vehicle is registered in New York State , you must have New York insurance coverage. We will never accept out - of - state insurance coverage of any type for a vehicle registered in New York.  Can I obtain out-of-state insurance and keep my vehicle registered in New York? \nNo. If you replace your New York State insurance coverage with out - of - state insurance , your valid insurance coverage will lapse. We will suspend your registration and may suspend your driver license. We will take actions against your New York State registration and driver license even if you move out of New York. This can affect your ability to have a driver license in your new state. If you register your vehicle in another state , immediately surrender your vehicle registration and plates to the DMV [1]. You must surrender your vehicle registration and plates to the DMV before the New York State liability insurance is cancelled. If you register your vehicle in another state and surrender the New York vehicle plates to the New York DMV , you can get insurance in the other state. Your insurance must meet the requirements of the state where your vehicle is registered. ", "I registered my vehicle out of state, and then I received a letter from the DMV about a lapse of insurance on the vehicle. What can I do? \nPlease send us a copy of your out of state registration in your name along with a copy of your out of state insurance if available to : NYS Department of Motor Vehicles Financial Security Bureau PO BOX 2725 Albany NY 12220 - 0725 All proof must include the name and address of the registrant, and the year, make and vehicle identification number VIN of the vehicle. We will apply your proof to the NY record to reduce or clear a lapse of insurance coverage reported by your insurance company.", "1. What is the adventure license? \nThe adventure license is a way for holders of a NY State DMV issued photo document driver license, learner permit or non - driver identification card to have any of the various lifetime sporting / recreational licenses, privileges or certifications you have purchased from the Department of Environmental Conservation DEC and/or the Office of Parks and Historical Preservation Parks added to your DMV issued photo document.  2. What lifetime sporting/recreational licenses, privileges or credentials can be added to my DMV issued photo document? \nYou may add icons for the following lifetime licenses / privileges / certifications: Sportsman, Boating Safety, Small / Big Game, Fishing, Bow Hunting, Muzzle Loading, Trapping, and the Empire Passport. Only lifetime purchased licenses, privileges or certifications may be added to the NY State DMV issued photo documents - annual licenses cannot be added.  3. What will my DMV photo document look like with the icons? \n4. If I already have a lifetime sporting/recreational license, privilege or certification how do I have it added to my DMV photo document? \nYou may request the icons be added to your DMV photo document in two ways; online using the New York State website [1] or by visiting a NY State Department of Motor Vehicles office and presenting the required proof.  5. What do I need to bring to the NY State DMV office to show as proof of my lifetime sporting/recreational license, privilege or certification? \nBring to the NY State DMV office the original sporting license, privilege or certification document that you were issued by NY State Office of Parks, Recreation and Historic Preservation or NY State Department of Environmental Conservation and a completed Application for Permit, Driver License or Non - Driver ID Card pdf [2] MV-44. For example , if you would like to add the icon for the Lifetime Sportsman License to your NY State DMV issued photo document , bring your Lifetime Sportsman license issued by DEC. If you want to add the Boating Safety Certificate icon , bring your Boating Safety Certificate issued by NY State OPRHP, the United States Coast Guard, the Power Squadron or the United States Sailing Association. ", "6. Am I required to have these icons added to my DMV photo document? \nNo , for most of the icons it is optional to have the icons displayed on your NY State DMV photo document. However, you must have the Lifetime Empire Passport displayed on your NY State DMV photo document ; there will be no other proof that you have this credential.  7. Is there an additional fee to have icons added to my DMV photo document? \nThere are no additional fees if you request the icons be added at the time of your photo document renewal. If you wish to have the icons added prior to renewal , you will be required to pay the amendment fee as required by the Vehicle and Traffic Law $12.50 for driver licenses / permits and $5.00 for non - driver identification cards.  8. Can I have these icons removed from my DMV photo document? \nYes. You may contact the agency Parks or DEC that issued the lifetime license, privilege or credential to request they notify DMV to remove the icons. There is no fees associated with these requests. Any icon, except the Empire Passport icon, may also be removed by visiting a NY State DMV office. When removing icons through a visit to a DMV office , you will be required to pay the amendment fee as required by the Vehicle and Traffic Law $12.50 for driver licenses / permits and $5.00 for non - driver identification cards. ", "9. Where is my document number located for my DMV issued photo document? \nIt is now located on the back of the photo document. If you have an enhanced document , it is located in the top line of the Machine Readable Zone and is the 10 alpha - numeric digits that appear after the \" ID USA \". If you do not have an enhanced document , it is located above the box with the wording , \" I hereby make an anatomical gift \".  10. How long will it take to get my new photo document with the icons? \nIf you paid the fee to request the icons be added to your photo document immediately $12.50 for driver licenses / permits and $5.00 for non - driver identification cards , it may take approximately 2 weeks for you to receive your photo document in the mail. If you opted to have the icons printed at your next document renewal , you will receive your photo document with the icons after you renew your photo document.  11. What if I don t receive my new photo document with the icons? \nIf it has been more than 2 weeks since you requested your photo document with DEC or Parks , contact the agency where you placed the order. For Boating Safety Certificate and Empire Passport holders , contact Parks via their website: www.parks.ny.gov [3]. For Lifetime Sportsman, Small / Big Game, Bow Hunting, Trapping, Muzzle Loading, or Fishing, contact DEC via their website : www.dec.ny.gov [4].", "If you are looking to file a complaint against a dealer or transporter business , please report a problem with a DMV regulated automotive business [1].  Complaint filed against you or your business \nThe New York State Department of Motor Vehicles DMV regulates all repair shops, inspection stations, dealers, vehicle dismantlers and other related businesses in NY State. To legally operate as such a business , you must register with the DMV. Once your application is approved you will receive a certificate from the DMV. You will also receive a copy of the Commissioner's Regulations that pertain to your type of business. They will explain your responsibilities to consumers. You must follow all consumer protection laws and regulations. The DMV advises all consumers who have a complaint against a dealer, inspection station, repair shop, or dismantler to make an attempt to resolve their complaint with the business manager. If they are not successful , they are advised to contact the DMV Consumer & Facilities Services Complaint Unit. protect your business: keep a copy of all work orders in an easy - to - access location  Complaint process \nIf a complaint has been filed against you , 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. If the complaint is not resolved with the CSR , the case will be sent to an Automotive Facilities Inspector AFI for a formal investigation. avoid costly penalties, fines, and the loss of valuable customers by responding to all DMV inquiries in a timely manner ", "Investigation process \nThe AFI will conduct a formal investigation. The result may be no action, a warning letter Notice of Investigation placed in your file, or a formal administrative hearing before an Administrative Law Judge ALJ. When Vehicle Safety initiates the hearing process , you may be offered the opportunity through a \" hearing waiver \" to admit to the charges and to either pay a specified monetary penalty and/or to accept a suspension. If the waiver is accepted , no hearing is required. If the offer is rejected , a hearing must be held. The result of the hearing may be no action, a civil penalty, and/or a suspension or revocation of your ability to operate as a vehicle related business in New York State. You may also be offered the opportunity to pay restitution to the consumer in instead of the fines and/or penalties, or to have the penalty reduced.  Hearing process \nYou 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. As a result of the hearing , 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 , 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. You will have 30 days from the date of the order by the judge to pay your fine or penalty. Failure to pay any fines or penalties or to serve out your suspension will result in indefinite suspension of your business certificate and the possible assessment of a lien against your business. However , if you pay your fine and/or penalty or serve out your period of suspension , you will be back in business after complete compliance. If you are revoked , you must surrender all supplies and cease to operate. You have the right to appeal any adverse decision. If you chose to appeal , you have 60 days from the date of the ALJs decision to file the Appeal From DMV Hearing Determination PDF [2] AA-33A, which must be accompanied by the appropriate filing fee. Your facility license, registration or certification enables you to operate in New York State. Complaints filed and charges brought against you can result in the loss of your privilege to operate as a business here.", "You must pass a vision test when you apply for a driver license or to renew your license. The test must show that you have visual acuity of at least 20/40 based on the Snellen Visual Acuity Scale in either or both eyes, with or without corrective lenses. You may take a vision test at a DMV office or your vision test results may be submitted to DMV electronically by a vision care provider enrolled in the DMV Online Vision Registry [1] search by ZIP Code [2] for an enrolled provider , or by a Vision Test Report PDF [3] 1completed by a physician physician's assistant ophthalmologist optometrist optician registered nurse nurse professional If you are mailing or bringing a Vision Test Report to DMV. It must be completed in English.  Restrictions related to driver vision \nIf your eye exam indicates you must wear corrective lenses to pass the vision test , a \" B \" restriction will be placed on your driver license or learner permit. There are also restrictions for drivers with low vision. - Telescopic lenses are corrective lenses that are much more powerful than normal eyeglasses or contact lenses. If you need telescopic lens to pass a vision test , you must send a completed Eye Test Report for Medical Review Unit PDF [4] form MV-80L to DMV's Medical Review Unit MRU. A \" TELESCOPIC LENSES \" restriction will be placed on your driver license or learner permit. If you no longer need telescopic lenses , you can submit a new form MV-80L to remove the restriction. - If an eye care professional indicates that your vision at night is impaired , a \" DAYLIGHT DRIVING ONLY \" restriction will be added your driver license or learner permit. ", "How to remove a CORRECTIVE LENSES restriction \nYou must prove that you can pass a vision test without corrective lenses.  Remove the restriction online \nYou can remove online if your vision test provider must be enrolled in the DMV Online Vision Registry [1]. Once an enrolled provider electronically notifies us that you can pass a vision test without corrective lenses , the restriction will be removed when you renew your license [5] online.  Remove the restriction at a DMV office \nWhen you renew or replace your DMV document at an office , you can take a vision test there or prove that you have meet our vision requirements by providing a Vision Test Report PDF [3] MV-619 completed by a qualified eye care provider. If your vision care provider is enrolled in the DMV Online Vision Registry [1] and has submitted your vision test results electronically to DMV , you will not need to submit proof or take a vision test.  Remove the restriction by mail \nIf you want to remove a CORRECTIVE LENS restriction before it is time to renew your driver license , you must obtain proof that you do not need corrective lenses and order a replacement document. Proof can be submitted to DMV electronically by a vision care provider enrolled in the DMV Online Vision Registry [1], or by a Vision Test Report PDF [3] 3completed by a physician physician's assistant ophthalmologist optometrist optician registered nurse nurse professional To order a replacement document without the restriction , you must complete an Application for Permit, Driver License or Non - Driver ID Card PDF [6] MV-44 pay a replacement document fee of $12.50 provide a completed Vision Test Report PDF [3] MV-619 if your eye care provider is not enrolled in the DMV Online Vision Registry Mail these items to your local DMV office. If the Vision Test Report MV-619 has a print date of 9/03 or earlier , the form is valid for 6 months after the date of the eye test. If the form has a print date of 3/04 or later , the vision care professional marks a box on the form to indicate if the form is valid for 6 months or for 12 months after the date of the eye test. a physician a physician's assistant an ophthalmologist an optometrist an optician a registered nurse a nurse professional If the Vision Test Report MV-619 has a print date of 9/03 or earlier , the form is valid for 6 months after the date of the eye test. If the form has a print date of 3/04 or later , the vision care professional marks a box on the form to indicate if the form is valid for 6 months or for 12 months after the date of the eye test. If the Vision Test Report MV-619 has a print date of 9/03 or earlier , the form is valid for 6 months after the date of the eye test. If the form has a print date of 3/04 or later , the vision care professional marks a box on the form to indicate if the form is valid for 6 months or for 12 months after the date of the eye test.", "Fees for a learner permit and driver license \nThe fee for your first New York State driver license or permit, 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 the fee for the type of license see driver license classes [1] for more info the document fees the Metropolitan Commuter Transportation District MCTD fee , if you live in the MCTD  MCTD fee \nResidents of these counties must pay a Metropolitan Commuter Transportation District MCTD fee : Bronx, Kings Brooklyn , New York Manhattan , Queens , Richmond Staten Island , Dutchess , Nassau , Orange , Putnam , Rockland , Suffolk and Westchester. The MCTD fee is $1.00 for every 6 months the permit or driver license will be in effect.  Fee chart \nThe table below shows the total fees you pay. The table does not show fees for a commercial driver licenses CDL the additional $30 fee to get an enhanced driver license EDL instead of a regular driver license fees for a non - driver ID card [2 ] * Includes MCTD * * Part of the Class M and MJ fee supports the Motorcycle Safety Program in New York State.  Fee to replace a driver license or learner permit \nThe fee to replace a driver license or learner permit is $17.50.  Fee to change information on a driver license or learner permit. \nThe fee to change information amend on a driver license or learner permit is $12.50. ", "Fee for an Enhanced Driver License (EDL) or Enhanced Permit. \nThere is an additional $30.00 fee for an Enhanced Driver License.  Fee for a motorcycle license \nThe fees you pay when you get your first motorcycle license depend on whether or not you currently have another class of New York State driver license and your exact age when you apply. The fees for a Class M or MJ driver license, or to add class M or MJ to your current driver license, can range from $21 to $120. We cannot calculate your exact fee until you apply.  Can I get a refund of my driver license fees? \nYou can receive a partial refund of the 8-year driver license fee if you qualify. The maximum amount you can receive is 50% four years of the original 8-year driver license fee. The partial refund does not include any application or document fees. You can qualify for a partial refund if your driver license was valid for 8 years when it was issued is surrendered to us or to another state during the first 4 years of the 8-year period when you surrendered it was not suspended or revoked was not exchanged for a non - driver ID card To apply for a refund you must apply no later than 51 months after the date your driver license was issued complete a Request for Refund of Fee Paid for Motor Vehicle Registrations and Driver Licenses [3] MV-215 attach the driver license to form MV-215 if you did not already surrender your driver license if you exchanged your NYS driver license for a driver license in another state , attach a photocopy of your out - of - state driver license to form MV-215 mail the required form and documents to the address listed on the form allow up to 12 weeks for the refund to be processed", "Renew a CDL[1] \nWARNING: Your Standard CDL will not be accepted as proof of identification to board a domestic flight after October 1 , 2020. If you plan to travel and don't have a Passport , we recommend you upgrade to an Enhanced or REAL ID when you renew. Learn more about Enhanced, REAL ID and Standard documents [2]. Don't delay! Get your Enhanced or REAL ID today.  You must renew at a DMV office \nYou must come to a DMV office [3] to renew a commercial driver license CDL or commercial license permit CLP. Complete this guide to make sure you have the proofs of identification you need before coming. Find your proofs [4 ] You will receive a temporary license to use until your new license arrives by mail within 10 business days.  What you need to renew a CDL \nIn addition meeting the requirements to renew any type of driver license [5], to renew your CDL , you will need to Meet the federal medical certification requirements [6]. You will need to indicate compliance when you answer the required questions on the MV-2CDL which is included with your renewal notice. Have proof of your legal presence in the United States on DMV records. The DMV Document Guide [4] lists all acceptable legal presence and New York State residence proof documents. Please note: You must provide us the original documents (not photocopies), and documents submitted as proof of residence must have your current residence address on it (no P.O. Box permitted). If you are a U.S. citizen or lawful permanent resident , you will only need to provide this proof on the first original, amendment, reciprocity or renewal application on or after June 18 , 2015. We will retain the proof on your driving record. If you are temporary visitor , you will need to provide proof of legal presence in the U.S. with every application. Your new document will have the legend NON - DOMICILED and also TEMPORARY VISITOR and the expiration date of your legal status in the United States printed on it. If you indicate the driving types NI Non - excepted Interstate or NA Non - excepted Intrastate on your renewal , you must provide a legible copy of your current USDOT Medical Examiner s Certificate to DMV if it is not already on file. Please see Federal Requirements for Commercial Driver License CDL Applicants pdf [7] MV-44.5 to help you determine your driving type. Per new federal regulations , the DMV will check for any open suspensions or revocations you may have in any state. If you have an open suspension or revocation , we will reject your application. ", "Renewal Fees \nThe fees listed include the photo document fee and the supplemental Metropolitan Commuter Transportation District MCTD fee, if required. If you have any other class combined with a motorcycle Class M or MJ example: AM , add an additional $8.00 to the fee above. If you have an endorsement of H or X , you must pass the hazardous materials knowledge test at a DMV office within 2 years before your renewal and pay an additional fee of $5 for the test. Residents of the following counties must pay a supplemental Metropolitan Commuter Transportation District MCTD fee: Bronx, Kings Brooklyn, New York Manhattan, Queens, Richmond Staten Island; Dutchess, Nassau, Orange, Putnam, Rockland, Suffolk and Westchester. The MCTD fee is $1.00 for every 6 months the permit or driver license will be in effect. For an 8-year driver license , the MCTD fee is $16.  Show \"do it online\" button in megamenu: \nTopic: \nCommercial Drivers [8 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "Replace a non-driver ID card[1] \nYou can replace your non - driver ID if it was lost or destroyed, or after you update your address. You cannot replace your ID if it expired you must renew or apply for a new one.  If you plan on traveling \nWe recommend you come to the DMV now to get an Enhanced or REAL ID, and avoid a second office visit later. 1 Learn about Enhanced, REAL ID and Standard documents [2].  Replace at an office and get an Enhanced or REAL ID \nYou don't have to get an Enhanced or REAL ID. 2 However , if you have a Standard , you will not be allowed to board a domestic flight starting in October 2020 unless you have a Passport. Complete this guide to make sure you have the proofs of identification you need before you come to DMV. Find your proofs [3 ]  Online \nWARNING: If you replace your Standard online , your new document will show :' NOT FOR FEDERAL PURPOSES'. Don't delay! Get your Enhanced or REAL ID today. If you already have an Enhanced or REAL ID, or you want to keep your Standard , you can replace online. Your document type will stay the same. Replace non - driver ID online [4 ]  By mail \nWARNING: If you replace your Standard online , your new document will show :' NOT FOR FEDERAL PURPOSES'. Don't delay! Get your Enhanced or REAL ID today. If you already have an Enhanced or REAL ID, or you want to keep your Standard , you can replace by mail. Your document type will stay the same. Mail a completed Application for Permit , Driver License or Non - Driver ID Card PDF [5] MV-44 photocopies of acceptable proof of identity [6 ] unless you are submitting proof of SSI as described below payment by check or money order made out to \" Commissioner of Motor Vehicles \" NYS Department of Motor Vehicles207 Genesee Street, Suite 6Utica, NY 13501 - 2874 ", "*Reduced fee or 'No Fee' \nTo get a reduced fee or' No Fee' replacement , you must you must apply by mail or at a DMV office sorry, you can't apply online, provide proof of your eligibility for Supplemental Security Income. This proof can be that you are eligible for SSI benefits Notice of Award notifying you Cost of Living Adjustment COLA letter Notice of change in payment SSA - L8151 Third Party Query TPQY letter Report of Confidential Social Security Information SSA-2258 Benefit Verification letter you must call the SSA in advance to obtain this letter : 1 - 800 - 772 - 1213 At a DMV office : Bring proof of Supplemental Security Income SSI. By mail : Send us aof your proof of Supplemental Security Income SSI.  Additional information \nIf you are turning 21 soon \nOrder within 40 days of your birthday to get an ID without UNDER 21.  You will get your new ID in 2 weeks \nAllow 2 weeks to receive it in the mail. You can check the mailing status [7] of your photo document online. If your document is not delivered two weeks after the date the document was processed , you can contact us [8].  We mail your ID to the address we have on record \nWe mail your new non - driver ID card to the address currently on our records or an alternate address you provide. See how to change or verify your address [9]. ", "Alternate mailing address \nWhen you apply by mail or at an office , you can ask that your replacement document be sent to an address that is different from the address on your document. 4 You can't have it sent to a different address when you order online.  Overseas (out of the country, abroad) \nWhen overseas you must replace your non - drivers ID card through the mail. Please submit a completed Application for Permit , Driver License or Non - Driver ID Card PDF [5] MV-44 photocopies of acceptable proof of identity [6 ] the appropriate fee We also recommend that you send us a pre - addressed priority mail return envelope with your application. This will help ensure that we send your new ID to the correct address.  Name or other changes \nIf you need to make changes other than to your address , you will need go to a DMV office. See how to change your name or other information [10]. Starting in October 2020 , you will need an Enhanced or REAL ID to board a domestic flight unless you have a passport. If your non - driver ID was issued before October 30 , 2017 and is not Enhanced , you have a Standard document. Newly issued Standard documents show :' NOT FOR FEDERAL PURPOSES'. If you want to replace in an office and keep your Standard document type , follow these steps : Step 1: Complete an Application for Permit , Driver License or Non - Driver ID Card PDF [5] MV-44 Step 2 : Come to an office. Bring your current Standard non - driver ID your application payment Newly issued Standard documents show :' NOT FOR FEDERAL PURPOSES'. If you request a replacement driver license 41 days or more before your 21st birthday , it will say UNDER 21. If you want your new non - driver ID card sent to an alternate address , include an additional note and clearly print the alternate address. Don t write the alternate address on form MV-44. The mailing address you write on form MV-44 must be the address that is listed on your photo document and your DMV record. ", "Show \"do it online\" button in megamenu: \nTopic: \nID Card [11 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "When you purchase a vehicle from a leasing company , you must have the title issued in your name. The title must be issued in your name before you can sell or transfer the vehicle. You can transfer the title by mail or at a DMV office.  By mail \nMail these items a completed Vehicle Registration / Title Application [1] MV-82 or Application for Title [2] MV-82TON if you don t have one you can provide other types of proof [3 ] proof of identity such as a copy of your NYS Driver License, Permit, or Non - Driver ID card must be current or not expired for more than 2 years - the New York State title or other acceptable proof of ownership [4]. The title must have completed buyer and seller information both the leasing company and the buyer must provide their signatures, dates of transfer, and addresses odometer and damage disclosure statements for all vehicles that are 10 years old or newer an FS-6 T receipt issued by DMV [to get an FS-6 T , you must obtain a Claim for Sales Tax Exemption DTF-803 from the leasing company and a bill of sale and bring these items to a local DMV office ] a Dealer Retail Certificate of Sale MV-50 completed by a dealer located in New York State payment for the $50.00 title fee in the form of a check or money order made payable to the Commissioner of Motor Vehicles. NYS DMV Title ServicesDepartment of Motor Vehicles6 Empire State PlazaAlbany , NY 12228 - 0331 ", "At a DMV office \nBring a completed Vehicle Registration / Title Application [1] MV-82 or Application for Title [2] MV-82TON if you don't have you can provide other kinds of proof [3 ] proof of identity such as a NYS License, Permit, or Non - Driver ID card must be current or not expired for more than 2 years - the New York State or out - of - state title with completed buyer and seller information odometer and damage disclosure statements for all vehicles that are 10 years old or newer the lease buyout agreement a lien release , if appropriate a Retail Certificate of Sale MV-50 , or a completed Statement of Transaction Sale or Gift of Motor Vehicle , Trailer , All - Terrain Vehicle ATV , Vessel Boat , or Snowmobile {Sales Tax Form} pdf [5] at NY State Department of Tax and Finance DTF-802 and a bill of sale [6 ] payment for the $50.00 fee Your title will be mailed to you. Print this checklist [7 ]  Where can dealers find information about filing or removing a lien? \nSee Remove or add a lienholder from a title [8].", "Get a driver license[1] \nNew York State residents age 16 or over can apply for a New York driver license.  Step 1: Determine what license class and type you need \nClass : most people get a class D - Operator if 18 or older or a DJ - Junior Operator if under 18. See instructions to get a class A , B , C- commercial license CDL [2 ] class M - motorcycle license [3 ] class E - taxi or limousine livery license [4 ] Type : DMV offers 3 types of licenses. Learn about Enhanced, REAL ID and Standard documents [5].  Step 2: Get a learner permit \nBefore you can get a license , you must apply for a learner permitat DMV office and take the written test. You can prepare by reading the New York State Driver's Manual and taking practice tests. Learn how to get a learner permit [6].  Step 3: Practice driving and take a pre-licensing course \nOnce you have a learner permit , you must have supervised driving practice and you must take a pre - licensing course or a driver education course before you take your road test. Learn how to find a pre - licensing course and prepare for your road test [7].  Step 4: Pass a road test \nIf you pass your test , the examiner will give you an interim license that allows you to drive. Keep the interim license with your photo learner permit until your new license arrives in the mail in about 2 weeks. See how to schedule and take a road test [8]. ", "Fees \nFees depend on what you are applying for, your age, and where you live. Use the fee chart to estimate your fee [9].  Replace, renew, restore, or exchange \nReplace \nSee how to replace a license that was lost, stolen or destroyed [10].  Renew \nSee how to renew your license [11].  Restore \nLearn how to restore your driving privilege and reapply for your license after a revocation [12].  Exchange out-of-state license \nIf you are from another state , see how to exchange your out - of - state driver license [13]. If you are coming here from another country overseas , see information about visiting or moving to New York [14].  If you are you under 18 \nGraduated license law \nIf you are under age 18 or are the parent of a driver under age 18 , it is very important that you understand the Graduated Driver License GDL Law and the restrictions on drivers under age 18 [15].  Senior license before 18 \nIf you are 17 , you are eligible for a senior driver license Class D or M if you have a junior driver license or limited junior driver license and have completed a state - approved high school or college driver education course. To change your junior license to a senior license , bring your junior license and the Student Certificate of Completion MV-285 that you received from your instructor to any DMV office [16]. You must return your certificate and junior license to receive the senior license. If you do not change your junior license to a senior license , you are subject to the restrictions for junior drivers until you are age 18, even if you carry the completion certificate with you. You can also give your certificate with your junior permit to the license examiner at your road test. ", "When you turn 18 \nIf you are not eligible for a senior license you turn 18 , you will automatically receive a senior license in the mail when you turn 18.  Additional information \nProbationary period for new drivers \nOnce you pass your road test or restore a revoked driver license , you will have 6 month probationary period. During this time , your license will be suspended for 60 days if you are convicted of any the following speeding participating in a speed contest reckless driving following too closely use of a mobile telephone use of a portable electronic device for example a smart phone, tablet, GPS or MP3 player any 2 other moving violations After the suspension ends , you will have a second 6 month probation period. If you are convicted of one of the violations above or 2 other moving violations during the second probation period , your license will be revoked for at least 6 months. When the revocation ends , you must serve another a 6 month probationary period.  Your first license is valid for 5 years \nFor a Class D, Class DJ, and Class E driver license , the expiration date of your learner permit becomes the expiration date of your driver license. Together the learner permit and the driver license are valid for a maximum of 5 years. When you apply for a learner permit and a driver license , you pay the fee for the length of time that the documents are valid. For example , a learner permit that was issued to you in 2014 will be valid until your birthday in 2019. You pay the fee for a document that is valid for 5 years. If you pass your road test in 2017 , your driver license will expire in 2019. Your driver license keeps the expiration date of your learner permit. When you a change from a Class DJ junior license to a Class D senior license , the date does not change. ", "Drivers from other countries \nYou can drive in New York State with a valid driver license from another country. You don t need to apply for a New York State driver license unless you become a New York State resident. If you choose to get a New York driver license following the steps explained on this page , when you pass your road test , you must give your foreign driver license to the DMV road test examiner. The local DMV office will destroy your foreign driver license after 60 days. If you plan to return to your home country and will need your foreign driver license , ask the road test examiner how to make sure that your foreign driver license is not destroyed.  Still haven't found what you're looking for? \nSee a list of all driver license topics [17]. Definition of Resident per Section 250 5 of the NY State Vehicle and Traffic Law : \" As used in this section, the term' resident' shall mean domiciliary, that is, one who lives in this state with the intention of making it a fixed and permanent abode. It shall be presumptive evidence that a person who maintains a place of abode in this state for a period of at least ninety days is a resident of this state. \" To live in a house, a home, an apartment, a room or other similar place in NY State for 90 days is considered \" presumptive evidence \" that you are a resident of New York State. A police officer can use this as evidence to issue a traffic ticket if you drive in New York State without a New York State driver license or vehicle registration. A judge considers the law and the evidence of your intent and decides if you are a resident of New York State. If you pay taxes or your children attend school in another state , a judge considers these facts to decide if your intent is to make NY State a \" fixed and permanent \" residence. According to this law , students from other states or from other nations who attend school in NY State are usually not considered residents of NY State. DMV does not decide if you are a resident of New York State, if you must get a New York State driver license, or if you must register your vehicle in New York State. ", "Get a CDL[1] \nFollow these steps to get your first time New York State commercial driver license CDL.  Step 1: Have a New York State driver license (Class D, Class E, or Non-CDL C) or a valid CDL from another state \nGet the New York State Commercial Driver's Manual [2] CDL-10 online or from a DMV office [3] or call center. [ 4] Study the sections of the manual that apply to the type of CDL you need. The sections of the manual that you need to study are explained in the manual. The manual describes the classes, the restrictions, and the endorsements of CDLs. This information is also included on the Driver License Class Descriptions PDF [5] MV-500C.  Step 2: Apply for a commercial learner permit at a DMV office \nYou must pass the written test for the CDL that you need. There is an application fee of $10.00. This fee allows you to take all written tests knowledge and endorsement required for permit and license issuance applied for which are taken at the same time. There will be an additional $5 fee for any other required tests not taken and passed at the time of initial application. There is a fee of $40.00 to take the CDL road test skills test. You can pay the road test fee when the DMV office issues your commercial learner permit , or you can pay the fee online [6]. You must pay the fee before you can schedule your road test. When you apply for an New York State CDL Class A, B, or C , you must certify that You did not hold a driver license in any state or in the District of Columbia except New York in the last 10 years or you must report every US state or the District of Columbia where you held a driver license in the last 10 years. You meet the Federal medical examination requirements see Medical Certification Requirements [7] for more information. You must also prove your legal presence in the United States. IMPORTANT : DMV now offers three types of license / permit documents. Learn more about enhanced, REAL ID and standard documents [8]. ", "Know what to bring to the DMV office \nIf you have a Standard and want to change to a REAL ID or Enhanced , you must come into a DMV office. Complete this guide to make sure you have the proofs of identification you need before coming. Find your proofs [9 ] The DMV Document Guide [10] lists all acceptable legal presence and New York State residence proof documents. Please note: You must provide us the original documents (not photocopies), and documents submitted as proof of residence must have your current residence address on it (no P.O. Box permitted). If you are U.S. citizen or lawful permanent resident i.e., temporary visitors your Commercial Learner Permit CLP or CDL document will have the legend NON - DOMICILED printed on documents issued on it. The TEMPORARY VISITOR and the expiration date of your legal status documentation will continue to be displayed on the CLP and/or CDL document. Per new federal regulations , the DMV will check for any open suspensions or revocations you may have in any state. If you have an open suspension or revocation , we will reject your application. You must apply for a CDL at a DMV Office [3].  Step 3: Prepare for your road test and practice with a supervising driver \nThe supervising driver must have a driver license that is valid to drive the commercial motor vehicle that you use for practice.  Step 4: Schedule your road test \nUse the Road Test Scheduling System [12]. Please note that you can t schedule an appointment for a date that is less than 14 days of being issued a Commercial Learner Permit CLP. If you do not pass the road test , you must pay a fee of $40.00 before you can schedule another road test. You can pay the fee online with your credit card, or pay the fee at a DMV office. New CDL restrictions defined below by the Federal Motor Carrier Safety Administration FMCSA may affect CLP holders when taking a Skills Test in a vehicle without full airbrakes and/or a manual transmission. E - No Manual Transmission Equipped Commercial Motor Vehicle CMV L - No Airbrake Equipped CMV Z - No Full Airbrake Equipped CMV restrictions If the vehicle used for your skills test has : An automatic transmission , and this is your first road test in a commercial motor vehicle CMV , you will be given an E restriction. No form of airbrakes , and this is your first road test in a CMV , you will be given an L restriction. Air over hydraulic brakes , and this is your first road test in a CMV , you will be given a Z. If you have a CDL with an L restriction and you test in a vehicle with air over hydraulic brakes , you will be upgraded from an L to a Z restriction. ", "Additional information \nWill I get a temporary CDL after I pass my road test? \nNo. Effective May 23 , 2014, the New York State DMV will no longer issue a 10-day temporary license document upon successful completion of a Commercial Driver License skills test, in order to comply with the Federal self - certification and medical certification requirements for commercial drivers. Instead , commercial drivers will be issued a receipt indicating they must wait 1 business day before visiting a DMV office in order to obtain a Commercial Driver s License document.  What is the fee for a CDL? \nIt depends on the expiration date and the class of your current driver license, and the date that you receive your CDL.  When will I get my CDL? \nThe local DMV office will issue a temporary CDL that is valid for 90 days. Your photo CDL will arrive by mail in 3 to 4 weeks.  What if I have a CDL from another state? \nTo get a New York State CDL , you must apply for your CDL at a DMV office and surrender your out - of - state CDL. If your out - of - state CDL has a hazardous materials endorsement , you must pass the hazardous materials knowledge test when you apply for your New York State CDL. You must also provide fingerprints for federal and New York State background checks for criminal violations. Federal regulations in 49 CFR Part 391 ", "Show \"do it online\" button in megamenu: \nTopic: \nCommercial Drivers [13 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "Register an ATV[1] \nWhat is considered an all-terrain vehicle (ATV )? \nAn all - terrain vehicle ATV is any self - propelled vehicle, including an off - road motorcycle, that is manufactured for use on off - road trails or in off - road competitions. These vehicles are less than 70 inches wide and weigh less than 1,000 pounds. For information , see our brochure ATVs: Information for Owners and Operators [2] C-29.  Does an ATV need a vehicle registration? \nYes. You must have a valid NY State registration to ride your ATV in New York State, unless it is only used for agricultural purposes or not - for - hire snow removal on private property registered in another state to a resident of that state only used at special events competitions If you purchase an ATV including an off - road motorcycle from a NY State ATV dealer , the dealer is required to register it before it is delivered to you.  What do I need to bring to the DMV? \nTo register an ATV not purchased from a NY State ATV dealer , please complete the Document Guide to make sure you bring the correct documents with you to the DMV. Find your proofs [3 ]  Summary of what you need \nacceptable proof of ownership see information below a completed Registration / Title Application PDF [4] MV-82 that the NY State sales tax was paid or proof of the purchase price of the ATV 1 proof proof of identity 2 cash , check , money order or credit / debit card to pay for fees For quicker service , make a reservation online before visiting offices in New York City, Westchester, Nassau, Suffolk, Rockland, Onondaga, Monroe or Albany Counties. For all other counties , see our office locations and hours [5]. Make a Reservation [6 ] ", "What are acceptable proofs of ownership? \nIf you purchase the ATV from an out - of - state ATV dealer , acceptable proof of ownership can be a manufacturer's certificate of origin or a manufacturer's statement of origin , and the bill of sale from the dealer the registration or the title certificate signed by the previous owner that transfers the ownership to the dealer , and a bill of sale from the dealer that transfers the ownership to you A bill of sale from an ATV dealer must include the name and the address of the dealer and the registration number of the dealer your name and your address the Vehicle Identification Number VIN of the ATV the year , the make, the model , and the number of wheels of the ATV that the ATV is either used or new an indication that the dealer collected the correct NY State sales tax an indication If the ATV is transferred by a private individual , acceptable proof of ownership is a New York State or out - of - state transferable registration or title certificate signed by the previous owner to transfer ownership to you If the current owner did not register the ATV , a transferrable registration and bill of sale that transferred ownership to the current owner , and a bill of sale that transfers ownership to you.  Do I need insurance coverage for my ATV? \nYou don t need insurance to register your ATV. However , you must have insurance unless you only drive your ATV on private property. You must show your proof of insurance to a judge, a police officer, or any person who makes a claim of injury or property damage. ", "Do I need a driver license to drive an ATV? \nYou do not need a driver license to drive an ATV , but restrictions apply to ATV drivers under the age of 16. Children 10 to 15 years of age can drive an ATV only with adult supervision without adult supervision on property where their parent or guardian is the owner or tenant without adult supervision on property where ATV use is permitted and the child completed an ATV safety - training course approved by the DMV carry your course certificate with you when you drive Children under the age of 10 may drive an ATV only with adult supervision without adult supervision on property where their parent or guardian is the owner or tenant You can operate an ATV on public lands where signs indicate that ATV use is allowed. Only operate an ATV on private property if you have permission from the property owner. If you purchased the ATV from an out - of - state ATV dealer , and the bill of sale indicates that the dealer collected the NY State sales tax , no additional sales tax is due. If the out - of - state dealer collects out - of - state sales tax , you can apply for credit toward the payment of the NY State sales tax when you apply for registration in NY State. You can be eligible for credit only if New York and the other state have a reciprocal sales tax agreement see Sales Tax Paid in Another State {Sales Tax Form} PDF [7] DTF-804. If you purchased the ATV from a private seller , the seller and the buyer complete the Statement of Transaction {Sales Tax Form} PDF [8] DTF-802. You can also show your proof of exemption or proof that the tax was paid. A NY State Driver License, Learner Permit, or Non - Driver ID card that is current or not expired for more than 2 years can serve as proof of identity. If you don t have one of these documents , you must provide other kinds of proof [9]. ", "Show \"do it online\" button in megamenu: \nTopic: \nRegistration [10 ]  Related PDFs: \nshow mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "How to renew a registration[1] \nYou need to renew your registration before it expires. Your new registration documents will arrive in the mail in about 10 days. Renewing early will not change the new expiration date for your new registration. Members of the Armed Forces may have more time to renew [2]. You cannot renew a registration that is suspended or revoked is expired for more than 1 year 1 has not been inspected in the past 12 months  Online \nSome registrations are not eligible. 2 Don't renew online if you are eligible for a' no fee' renewal. 3 The fee is on your renewal notice, and displayed on your computer screen when you renew online. You will need your registration plate number your registration class the last name of the person on the registration or business name a credit or pinless debit card for payment Renew a registration online [4 ]  By mail \nMail the bottom part of your registration renewal notice MV-3 or OP-3 to the address listed on the notice. Include a personal check or money order payable to' Commissioner of Motor Vehicles' for the fee. If you don't have your MV-3 or OP-3 , use the Application for Duplicate / Renewal Registration PDF [5] MV-82D. If you do not know the correct amount to renew , send a check payable to' Commissioner of Motor Vehicles' , but do not write the amount. Mail the MV-82D and your payment to New York State Department of Motor VehiclesUtica Processing CenterP.O. Box 359Utica , NY 13503 ", "At a DMV office \nBring your registration renewal notice MV-3 or OP-3 and payment to a DMV office. If you don't have your MV-3 or OP-3 , complete the Application for Duplicate / Renewal Registration PDF [5] MV-82D.  Additional Information \nMy registration is about to expire or already expired \nYou can renew online up to one year past the expiration date. You can download and print a temporary registration that'svalid for 10 days the day you renew.  My address changed \nYour mailing address on DMV files must be current. You cannot change it during the transaction. First change your address online [6] and then renew. Note: If you file a request with the US Postal Service USPS to forward mail , there is no guarantee that the USPS will forward all DMV documents to your new address.  My name changed \nYou can still renew online but the new document will display your previous name. You cannot change your name during the online transaction. See how to change your name or other information on a registration or title [7]. You will need to register the vehicle [8] at a DMV office. You cannot renew registrations online for vehicles that are exempt registration fees - you must bring documentation that proves the vehicle is eligible for exempt status to a DMV office [9 ] that require proof of insurance, a tax certificate, or another document for each renewal vehicles vehicles that weigh 55,000 lbs. or more for - hire vehicles this includes taxis, livery vehicles, and buses semi - trailers with 6-year registrations vehicles with an apportioned registration issued under the International Registration Plan IRP vehicles with an ambulance, New York Press NYP, government or official registration rental vehicles If you are eligible for a' no fee' registration , you will need to renew at an office. You will need to bring documentation to prove you are eligible for exempt status. Only use the temporary if your registration is expired or about to expire , while you wait for your new registration documents to arrive in the mail. ", "What vehicles are subject to the California emissions standards? \nUnless it is exempt , your vehicle must comply with the California emissions standard if it has less than 7,500 miles on the odometer and is a model year of 1996 or newer passenger vehicle or light - duty truck that has a gross vehicle weight rating GVWR of 6,000 lbs. or less a model year 2000 or newer light - duty truck that has a GVWR of 8,500 lbs. or less a model year 2004 or newer medium duty vehicle that has a gross vehicle weight rating GVWR of 14,000 lbs. or less that has a gross vehicle weight rating GVWR over 14,000 lbs a model year 2005 or newer heavy - duty otto - cycle or diesel vehicle  How can I find out if my vehicle meets the California emissions standard? \nTo determine if a vehicle meets the California emissions standard , look for these words or similar language on the Manufacturer's Certificate of Origin MCO and the emissions label under the hood : \" California - Only Vehicle : This vehicle conforms to U.S. EPA and California regulations applicable to the vehicle model year model - year new motor vehicles introduced into commerce only for sale in California. \" \" 50-State Vehicle : This vehicle conforms to U.S. EPA and California regulations applicable to the vehicle model year model - year new motor vehicles. \" \" Federal Vehicle certified for Sale in California : This vehicle conforms to U.S. EPA regulations applicable to the vehicle model year model - year new motor vehicles, and is certified for sale in California. \" ", "My vehicle complies with the California emissions standard but this is not indicated on the MCO, or I don't have the MCO. What can I do? \nIf your vehicle complies with the California emissions standard, but the MCO does not indicate compliance or you do not have an Manufacturer's Certificate of Origin MCO , you or the automobile dealer can certify compliance on a' Certificate of Emissions Compliance or Exemption' form MV-74. If your vehicle is exempt from the California emissions standard , you or the automobile dealer can complete form MV-74 to certify the exemption if the vehicle has an odometer reading of more than 7,500 miles , or you purchased the vehicle in another state to replace your previous vehicle that was damaged, stolen or had a mechanical failure while you were outside NY State the vehicle was transferred to you through an inheritance or court decree the vehicle was registered to you in another state when you were a resident of that state , but you are now a resident of NY State you are a NY State resident who serves in the US Armed Forces and you are stationed in another state the vehicle is an authorized emergency vehicle defined in Article 1 of the NY State Vehicle and Traffic Law Note: Even if your vehicle meets the California emissions standard , it is subject to NY State safety and emissions inspection requirements.  Where can I find more information? \nThe NY State Department of Environmental Conservation website www.dec.ny.gov [1] has the regulations for the California emissions standards and other motor vehicle emissions standards See Regulations, Part 218.", "Pay suspension termination fee[1] \nA suspension means your driver license or privilege to drive is taken away for a period of time before it is returned. There are two types of suspensions.  Definite suspension \nA definite suspension has a clear beginning and end date. 1 The suspension termination fee for a definite suspension is currently $50 2, unless the suspension was for breaking the NYS Zero Tolerance alcohol law. The suspension termination fee for this offense is $100.  Indefinite suspension \nAn indefinite suspension means you must do something such as answer a traffic ticket before the suspension can be cleared. 3 By law , if you receive a definite suspension order from DMV , you must pay a suspension termination fee before your driver license or privilege to drive can be restored.  Pay online \nTo pay a definite suspension online , you must provide your name or DMV ID Number Client ID Number from your NYS driver license, learner permit or non - driver photo ID card see sample driver license [2 ] your date of birth and gender the last four digits of your Social Security Number Your name and address on DMV records must be correct. Your payment does not guarantee that we will restore your driver license. There may be other problems on your record. It is your responsibility to know if your driver license or driving privilege is valid before you drive a motor vehicle. Pay suspension termination fee online [3 ] ", "At a DMV office \nYou can pay the suspension termination fee at the office or offices shown on your suspension order.  By mail \nIn some cases , you can pay by mail. If the suspension termination fee can be mailed , you will find instructions on your suspension order.  Common questions \nCan I pay more than one definite suspension online? \nYes. You can pay up to 10 suspension termination fees in one day.  After I pay the fee, how can I check the status of my driver license or driving privilege? \nYou can sign up for a MyDMV account [4] and use the My License service. If you need a certified copy of your driving records , you can order a copy of your driver record [5].  When will I get my license back? \nA definite suspension lasts until your suspension period ends. If you pay the suspension termination fee before the suspension period has ended , we will mail your license to you within 3 business days after the suspension period ends. 6 We will not mail your license to you if your driver license has expired you have a commercial driver license CDL 7 you have a conditional or restricted license 8 you have other suspensions, revocations or problems with your driver license  How do I know if my license was mailed? \nOnce you pay the suspension termination fee , wait for 3 business days after the suspension period ends and then use our Photo ID Document Mailing Status service [6]. A definite suspension means your driver license or privilege to drive is taken away for a certain amount of time. If you have a definite suspension , your suspension order will tell you how long the suspension period will last. You cannot drive until the suspension period ends, you pay a suspension termination fee of $50 and have valid driver license. Common reasons for definite suspensions are you did not have automobile liability insurance you were convicted of an alcohol or drugged driving charge you received too many traffic tickets in a certain amount of time you did not follow the rules for junior drivers If the effective date of your suspension order is before July 6 , 2009 , the suspension termination fee is $25. An indefinite suspension means your driver license or privilege to drive was taken away because you failed to do something. Your driver license or privilege to drive will remain suspended until you comply with the instructions on your suspension order. You may also be required to pay a suspension termination fee. Common reasons for indefinite suspensions are you did not answer a traffic ticket you did not pay a traffic ticket fine you did not file a motor vehicle accident report you failed to pay child support You can confirm or change your address online , but you must create a MyDMV account first [4]. If you need to change your name , you must go to a DMV office. You can check the status of your driver license and driving privilege online if you sign up for a MyDMV account [4] and use our MyLicense service. If you need proof that DMV removed your suspension , you can order a certified copy of your driving record [5]. If you surrendered your license , DMV will mail you a new document, not the one you surrendered. Although you can pay suspension termination fees online , you must go to a DMV office to get your commercial driver license back. Although you can pay suspension termination fees online , you must go to a DMV office to get your full driver license back if you have you have a conditional or restricted license. ", "After you sell or give away a vehicle , you can transfer the registration and vehicle plates to another vehicle you own.  Bring these items to a DMV office [1] \noriginal title or other proof of ownership 1 current NY State Insurance ID card auto liability insurance 2 NY State driver license , permit , non - driver ID or other proof of identity 3 a completed Application for Registration / Title PDF [2] MV-82 payment for fees 4 Print this checklist [3 ] For quicker service , make a reservation online before visiting offices in New York City, Westchester, Nassau, Suffolk, Rockland, Onondaga, Monroe or Albany Counties. For all other counties , see our office locations and hours [1]. Make a Reservation [4 ] If you don t want to transfer the registration , you must surrender the vehicle plates to the DMV [5]. You may be eligible to receive a refund [6] if you surrender the plates before the registration expires.  Transfer the of a vehicle (buy, sell, or give away) \nSee Buy or sell a vehicle transfer ownership [7 ] Cars , trucks , trailers & motorcycles Model year1973 or newer , either NY State Certificate of Title original or certified copy, not a photocopy with the transfer ownership section completed by the seller , or acceptable proof of ownership from another state original or certified copy, not a photocopy Model year 1972 or older , either a NY State Transferable Registration original or certified copy, not a photocopy and bill of sale [8], or acceptable proof of ownership from another state original or certified copy, not a photocopy See acceptable proofs [9] for other vehicles manufactured homes, boats, ATVs, snowmobiles, gifted vehicles, vehicles with deceased owners. Your insurance company will: 1) give you 2 barcoded original NY State Insurance ID cards (see a sample [10]) or provide you with access to your digital electronic NY State Insurance ID Card 2) send an electronic notice of insurance coverage to the DMV (your insurance agent or broker cannot file this notice) Your NY State Insurance ID cards and the electronic notice together verify your coverage. We need both. You must register your vehicle within 180 days of the effective date on your Insurance ID Card. Bring one copy or form of your Insurance ID Card with you. The DMV office will keep the paper card. Keep the other paper card with the vehicle as your proof of insurance. Anyone operating your vehicle must be able to provide proof of insurance. Learn more about NY State Insurance Requirements [11]. You must provide proof of identity and date of birth. You must be at least 16 years old except for ATV and boat registrations. You can use a NY State driver license learner permit , or non - driver ID card that is current or expired less than 2 years as proof of identity and age. If you don t have one of these , see other kinds of proof [12] you can use. You can estimate the registration fees [13] online if the registration is one of these classes PAS - Passenger COM - Commercial RGL - Passenger MOT - Motorcycle ORM - Motorcycle CSP - Commercial ORC - Commercial RGC - Commercial ORG - Passenger SPO - Passenger SRF - Passenger The two vehicles must have the same registration type passenger, commercial, motorcycle.", "Restore license after revocation[1] \nAs of September 27 , 2019 , the Driver Improvement Unit is reviewing applications that were received by mail on or before the following dates : Regular Applications less than 3 - July 18 , 2019 Multiple Alcohol Applications 3 or more - July 22 , 2019 A serious traffic offense or multiple offenses can result in the revocation of your NY State driver license or driving privilege. 1 A revocation means your license is cancelled , and you must apply for a new one once the revocation period is over. You may also be required to take the written and driving tests again.  How to restore \nFor most revocations , you must first request and receive approval from the DMV Driver Improvement Unit DIU before you can apply for a new driver license at a DMV office. If you are licensed in another state , you must obtain approval from DIU to have your NY State driving privilege restored. DIU must examine your full driver record to see if you can be approved under NY State laws and requirements.  Online \nThe fastest and easiest way to request approval is online, although some drivers with complex records may need to submit their request to DIU in writing. Please review all the of the information below before you select the' MyDMV' button at the bottom of this section to begin the restoration process.  If you request approval online, the system will \nif you are eligible to submit an online request automatically determine list the reason you are not eligible and explain your next steps explain any additional payments or actions required before you can receive approval issue your approval immediately if you are eligible the processing of mailed requests can take up to 12 weeks ", "You cannot request approval online if \nyou were never issued a New York State driver license, learner permit, or non - driver ID 2 your revocation was for an uninsured accident. You must contact the DMV Insurance Services Bureau 3 as part of a reexamination of your ability to safely operate a motor vehicle , you were required to take a DMV road test and your driver license was revoked because you failed the road test , you must contact your local DMV office you have a valid or suspended conditional or restricted license or a current or former participant in the Impaired Driver Program. You must apply at a local Motor Vehicle office when you are eligible to receive your full license back your last full driver license issued was a Commercial Driver License CDL your revocation was a result of a conviction arising out of a fatal crash your revocation was a result of a conviction arising out of a Penal Law violation  Before you can request approval online, you must \nwait until the revocation period has been completely served before you submit your request resolve and clear any suspensions this includes answering or paying fines imposed for traffic tickets you cannot receive approval if your license is suspended as well as revoked to check if your license is suspended, sign up for MyDMV [2] and use our MyLicense service sign up for a MyDMV account [2 ] you must have the ID number from your NY State driver license, permit or non driver ID you do not need to provide your photo document number your Social Security Number SSN must be on file with the NY State DMV be prepared to pay a re - application fee, if required, by credit or debit card the system will tell you the amount you must pay ", "Additional fees and penalties \nIf you owe any of the following fines or penalties , they must be paid before you can submit your request suspension termination fee driver license civil penalty Driver Responsibility Assessment If you begin to request approval online and owe additional fees or penalties , you will receive instructions for submitting payment. After you submit payment , you can complete your request for approval online.  Additional requirements \nWhat is required to apply for a new license after revocation online? \nSome situations require additional action before you can submit your request for approval. If you submit an application before addressing the items listed below , we will send you an email telling you what you will need to do. We will delay processing your application will be delayed, until the items are taken care of and DMV is notified : If your sentence from a court includes serving a term of probation and the conditions include restrictions on reapplying for a license /privilege , you must provide : A copy of your conditions of probation and a letter granting permission to apply for a driver license from the court that sentenced you or from the probation office that you must report to. The letter must be on court or probation letterhead ; or If your probation was terminated , you must provide a letter from the court / probation department on their letterhead, that states the date your probation was terminated ; or If the conditions of your probation do not include driving restriction , you must provide a copy of the conditions . Mail or fax this information to DIU at : Driver Improvement UnitNYS DMV6 Empire State Plaza , Room 338Albany , NY 12228 474 - 0774 , Option #5 Phone Hours: M - F , 8:30 Noon FAX 518 474 - 6208 Once acceptable documentation is received by DIU , you can complete your request for restoration online. If you have two or more alcohol / drugged driving convictions in 25 years , you are required to complete an alcohol evaluation and or treatment within one year from the date of the final review. Your provider must electronically notify DMV of your successful completion. Paper proof submitted by you will not be accepted. You can find acceptable evaluation and treatment providers within NY State by accessing the NY State Office of Alcoholism and Substance Abuse Services OASAS website at www.oasas.ny.gov [3]. Click on the \" FIND A PROVIDER \" link located in the top box on the right - hand side. Click on the type of program : \" Providers of Clinical Screening and Assessment Services for Impaired Driving Offender \" to search for a list of OASAS approved providers of clinical services for impaired driving offenders in your area. You can search for approved providers by county, city or zip code. If you do not have access to the Internet , please call the OASAS HOPE line at 1 - 877 - 846 - 7369. This toll - free line operates 24 a day, seven days a week . When choosing an alcohol or drug evaluation / treatment provider, please be aware that the provider must appear on the listing. A provider will not be accepted unless they have been approved by OASAS. To get on this approval list the provider must contact OASAS at 1 - 800 - 482 - 9564 for instructions . For services provided outside of New York State, the provider must be on the approved list of providers on the Substance Abuse & Mental Health Service Administration SAMHSA website at https://findtreatment.samhsa.gov [4]. The provider will need form DS-449 Alcohol and Drug Abuse Rehabilitation Program Summary. They may contact Driver Improvement Unit , 6 Empire State Plaza, Room 336, Albany, NY 12228 or by fax at 518 473 - 8229, to obtain this form. If you owe any DMV fees suspension termination fee, civil penalty or Driver Responsibility Assessment DRA , they must be paid before applying for a license or the processing of your application will be delayed. For information on how to pay DMV fees , visit our website at dmv.ny.gov [5] and select the topic labeled Tickets, Points and Penalties. If you are currently suspended for failing to pay child support, before you may proceed with applying for a new driver license , you must contact your local child support collection unit to make a payment and to have the suspension cleared. By law , DMV cannot clear / remove a child support suspension unless directed to do so by the Office of Temporary Disability OTDA. Once OTDA electronically notifies DMV to clear the suspension , you may continue with submitting your online request for relicensing. Failure to follow these directions will delay the processing your application for relicensing due to open suspension on your record. If you are currently suspended for failing to pay New York State taxes, before you may proceed with applying for a new driver license , you must contact the NY State Department of Tax and Finance DTF [6] or call 518 862 - 6000 to make a payment and to have the suspension cleared. By law , DMV cannot clear a delinquent tax suspension unless directed to do so by DTF. Once DTF electronically notifies DMV to clear the suspension , you may continue with submitting your online request for relicensing. Failure to follow these directions will delay the processing your application for relicensing due to open suspension on your record. If you are currently suspended for failing to file an acceptable accident report with DMV, before you may proceed with applying for a new driver license , you must fax a completed Report of Motor Vehicle Accident, form MV-104 to 518 474 - 0718. Once this form is processed , you may continue with submitting your online request for relicensing. Failure to follow these directions will delay the processing your application for relicensing due to open suspension on your record. If you have an open traffic tickets or owe fines to a court , you must contact the court of record. Outstanding tickets need to be addressed and all fines need to be paid before you may apply for a license. Once the court notifies DMV that the tickets have been satisfied , you may continue with submitting your online request for relicensing. Note : Any additional convictions of moving violations or other incidents added to your driving record can make you ineligible for approval or may delay the approval process. ", "After you receive approval \nYou will receive an approval to apply for a new driver license via email. The approval email will contain directions which you must follow to be successful when applying for a new driver license your local DMV office. If you are licensed by another state and you receive approval for restoration of your NY State driving privilege via email and you may resume driving in NY State if you have a valid out - of - state driver license. For revoked NY State driver license holders who were approved for relicensing following a revocation , you cannot drive until your new NY State driver license is issued by a DMV issuing office. You may be required to take vision, written and/or road tests to qualify for a new license.  To request online, you must first create a MyDMV account \nYou will need your New York State Driver License , Permit or Non - Driver ID Social Security Number It is very important that you read the instructions on this page for applying online before you begin. [2]  By mail \nIt can take up to 12 weeks for DIU to process a request received by mail. If you request approval by mail , you must wait until 30 days before the revocation period ends to send your request. If you need to request approval to apply for a new license , you must complete an Application for Permit, Driver License or Non - Driver ID Card [7] MV-44. Leave the I am applying for a boxes blank. If you do not know your NY State driver license number , you can leave that box blank. Mail the form to the Driver Improvement Bureau at the address below. If you reside out - of - state and need to request that your NY State driving privilege be restored you must complete the Request for NY State Driving Privileges form [8] DS-115 and mail to the Driver Improvement Unit at the address below. Note: If you are convicted of a moving violation or another incident that affects your New York State driving record after you send your request , you may become ineligible for approval or need to wait longer for processing. ", "Re-application fee \nA $100 re - application fee must accompany your driver license application, Application for Permit, Driver License or Non - Driver ID Card [7] MV-44 or request for reinstatement of driving privileges. The re - application fee may be paid by check or money order made payable to the Commissioner of Motor Vehicles.  Additional fees and penalties \nIf you apply for restoration and owe any of the following fines or penalties , they must be paid before your application can be approved suspension termination fee [9 ] driver license civil penalty [10 ] driver responsibility assessment [11 ]  Additional requirements \nWhat is required to apply for a new license after revocation? \nYou must submit a completed Application for Permit, Driver License or Non - Driver ID Card [7] MV-44, a non - refundable $100 fee and any pertinent items below with your application. A copy of your conditions of probation and a letter granting permission to apply for a driver license from the court that sentenced you or from the probation office that you must report to. The letter must be on court or probation letterhead ; or If your probation was terminated , you must provide a letter from the court / probation department. On their letterhead , that states the date your probation was terminated ; or If the conditions of your probation do not include driving restriction , you must provide a copy of the conditions If you have two or more alcohol / drugged driving convictions in 25 years , you are required to complete an alcohol evaluation and or treatment within one year from the date of the final review. Your provider must electronically notify DMV of your successful completion. Paper proof submitted by you will not be accepted. You can find acceptable evaluation and treatment providers within NY State by accessing the NY State Office of Alcoholism and Substance Abuse Services OASAS website at www.oasas.ny.gov [3]. Click on the \" FIND A PROVIDER \" link located in the top box on the right - hand side. Click on the type of program : \" Providers of Clinical Screening and Assessment Services for Impaired Driving Offender \" to search for a list of OASAS approved providers of clinical services for impaired driving offenders in your area. You can search for approved providers by county, city or zip code. If you do not have access to the Internet , please call the OASAS HOPE line at 1 - 877 - 846 - 7369. This toll - free line operates 24 a day, seven days a week . When choosing an alcohol or drug evaluation / treatment provider, please be aware that the provider must appear on the listing. A provider will not be accepted unless they have been approved by OASAS. To get on this approval list the provider must contact OASAS at 1 - 800 - 482 - 9564 for instructions . For services provided outside of New York State, the provider must be on the approved list of providers on the Substance Abuse & Mental Health Service Administration SAMHSA website at https://findtreatment.samhsa.gov [4]. The provider will need form DS-449 Alcohol and Drug Abuse Rehabilitation Program Summary. They may contact Driver Improvement Unit , 6 Empire State Plaza, Room 336, Albany, NY 12228 or by fax at 518 473 - 8229, to obtain this form. If you owe any DMV fees suspension termination fee, civil penalty or Driver Responsibility Assessment DRA , they must be paid before applying for a license or processing of your application will be delayed. For information on how to pay DMV fees , visit our website at dmv.ny.gov [5] and select the topic labeled Tickets, Points and Penalties. If you are currently suspended for failing to pay child support, before you may proceed with applying for a new driver license , you must contact your local child support collection unit to make a payment and to have the suspension cleared. By law , DMV cannot clear a child support suspension unless directed to do so by the Office of Temporary Disability OTDA. Once OTDA electronically notifies DMV to clear the suspension , you may continue with submitting your application for relicensing. Failure to follow these directions will delay the processing application for relicensing due to open suspension on your record. If you are currently suspended for failing to pay New York State taxes, before you may proceed with applying for a new driver license , you must contact the NY State Department of Tax and Finance DTF [6] or call 518 862 - 6000 to make a payment and to have the suspension cleared. By law , DMV cannot clear a delinquent tax suspension unless directed to do so by DTF. Once DTF electronically notifies DMV to clear the suspension , you may continue with submitting your application for relicensing. Failure to follow these directions will delay the processing of your application for relicensing due to open suspension on your record. If you are currently suspended for failing to file an acceptable accident report with DMV, before you may proceed with applying for a new driver license , you must fax a completed Report of Motor Vehicle Accident, form MV-104 to 518 474 - 0718. Once this form is processed , you may continue with submitting your application for relicensing. Failure to follow these directions will delay the processing of your application for relicensing due to open suspension on your record. If you have an open traffic tickets or owe fines to a court , you must contact the court of record. Outstanding tickets need to be addressed and all fines need to be paid before you may apply for a license. Once the court notifies DMV that the tickets have been satisfied , you may continue with submitting your application for relicensing. Mail your application , the $100 reapplication fee by check or money order made payable to Commissioner of Motor Vehicles and court / probation documentation , if applicable to : Driver Improvement UnitNYS DMV6 Empire State Plaza , Room 338Albany , NY 12228 474 - 0774 , Option #5 Phone Hours: M - F , 8:30 Noon FAX 518 474 - 6208 The Driver Improvement Unit DIU will make a determination based on your lifetime driving record , and a response will be mailed to you. The response will include instructions about your next steps. Those instructions are also outlined below whether your application is denied or approved. NOTE: Motorists who have previously held a learner permit, driver license from another state or jurisdiction or who have had convictions /incidents of alcohol / drugged driving in another state or jurisdiction, will be sent an additional form to complete. This form must be completed and returned to the Driver Improvement Unit before a final review can be completed. ", "Mail application, fees and any additional required documentation to \nSend these items to : Driver Improvement UnitNYS DMV6 Empire State Plaza , Room 338Albany , NY 12228 474 - 0774 , Option #5 Phone Hours: M - F , 8:30 Noon FAX 518 474 - 6208  What happens if my driver license application is denied by DIU? \nYou have the following four options these options are also printed on denial letters issued by DIU : Accept the denial and take no further action. If there is a date printed on your denial letter that advises when you may reapply , you may submit a reapplication up to 60 days before that date. Request reconsideration of the denial by submitting the Request For Relicensing Reconsideration After Denial form included as part of your denial letter to : Driver Improvement UnitNYS DMV6 Empire State Plaza , Room 338Albany , NY 12228 474 - 0774 , Option #5 Phone Hours: M - F , 8:30 Noon FAX 518 474 - 6208 within sixty 60 days of the date of your denial letter. If you select this option please read and follow the directions below as you may submit all your unusual, extenuating and compelling circumstances only once per relicensing application. Please note that unusual, extenuating and compelling circumstances must meet all three criteria to be successful . IF, you have unusual, extenuating and compelling circumstances that you believe would form a valid basis for the Department to deviate from the general revocation policy and justify approval of your driver license application : You must explain in detail each circumstance ; You must provide credible, verifiable documentation to support all circumstances claimed. For example , if you need a license to drive yourself or a family member to necessary medical treatment , you must provide documentation verifying and explaining the nature of the medical condition, the need to attend necessary appointments related to the condition or treatment and proving there is no other transportation including affordable private and public transportation that may be used to get to the medical appointments . Credible, verifiable documentation is documentation from a third party not a relative that supports your claim. Some examples are : letter / statement supporting your claims from your physician, employer, religious official, government official, professors, counselors, public transportation schedules, routes and/or maps, receipts, medical bill, appointment schedules, etc . If you do not provide credible, verifiable documentation for each circumstance claimed , your request will be denied . Please note: unusual, extenuating and compelling circumstances alone do not warrant granting an approval. If your driving history is indicative of a continued risk to highway safety , your application for relicensing may not be approved even with extenuating circumstances. Requests For Relicensing Reconsideration After Denial sent to the Driver Improvement Bureau must include any documentation that was submitted with your initial application regarding unusual, extenuating, and compelling circumstances. If the letter to the Driver Improvement Bureau is late , it will not be considered , and the denial you received will be FINAL. Your request / letter must be submitted to the Driver Improvement Bureau WITHIN SIXTY 60 DAYS OF THE DATE OF YOUR DENIAL LETTER. If it is received after the 60 days it will be rejected. SUBMIT AN APPEAL OF YOUR REVOCATION TO THE DMV APPEALS BOARD. To submit an appeal , mail the appeal form [12], appeal and a copy of your denial letter to the DMV Appeals Board within sixty 60 days of the date of your denial letter. If it is received after the 60 days , your appeal request will be rejected. By law , the Appeals Board cannot consider an appeal that is filed after 60 days. It also cannot review any arguments or claims that you have not first submitted to the Driver Improvement Bureau. Do not submit claims of unusual, extenuating and compelling circumstances to the Appeals Board. Submit another application for re - livcensure to the Driver Improvement UnitAlthough you may submit an application for a new driver license at any time , please be aware the Driver Improvement Unit will review your entire driving history based upon the same standards that resulted in the previous denial. Each application is also subject to the statutory $100 fee. You may submit additional applications to the address mentioned above. ", "What happens if my driver license application is approved by the DIU? \nFor revoked NY State driver license holders who were approved for relicensing following a revocation , you cannot drive until your new NY State driver license is issued by a DMV issuing office. You will receive an approval packet from the Driver Improvement Unit. This packet contains instructions specific to you. Follow the instructions to apply for your new driver license. Depending on your NY State driver license record you may be approved with a Problem Driver Restriction and an Ignition Interlock Device IID. You may be required to install and maintain an Ignition Interlock Device on any, and all vehicles you own or operate prior to going to your local motor vehicles office to apply for your permit / license. For information about how to obtain an ignition interlock device and have it installed , please visit http://www.criminaljustice.ny.gov/opca/ignition.htm [13]. In the center of the page you will find tabs for Forms, Regulations / Laws, Manufacturers / Vendors and Interlock Devices. Select the Manufacturers / Vendors tab for information regarding manufacturers and installers and select the Interlock Devices tab for available models and fees. After you have the ignition interlock device installed , you are required to bring all of the following items from the approval packet you receive from Driver Improvement to any local Motor Vehicles Office in order to apply for your permit / license : The approval notice The Application for Driver License or Non - Driver ID Card Form MV-44 The completed Department of Motor Vehicles Ordered Interlock Device Installation Confirmation Proof of name and date - of - birth Social Security Card The problem driver restriction and ignition interlock device is required under the authority contained in section 3.2 c of the Regulations of the Commissioner of Motor Vehicles. You are required to install and maintain an Ignition Interlock Device for a period of five years in all motor vehicles that you own or operate. After you are relicensed , you may not drive any vehicle that does not have the interlock device installed except during the hours of employment, and only if your occupation requires the operation of a motor vehicle. Your employer must provide you with signed documentation, on company letterhead, saying they have knowledge of the ignition interlock restriction. The letter must also give you permission to operate the vehicle for business purposes without the device. You must carry this documentation with you when operating the employer s vehicle. Drivers with an A2 Problem Driver restriction may operate a vehicle only under the following restrictions : To and from place of employment or education ; during the course of employment or education , when required. If you are driving for employment , your employer must provide you with signed documentation, on company letterhead, saying they have knowledge of the ignition interlock restriction. The letter must also give you permission to operate the vehicle for business purposes without the device. You must carry this documentation with you when operating the employer s vehicle. To and from a medical appointment which is part of a necessary medical treatment for you or a member of your household. You may be required to provide a written statement from your licensed medical practitioner that verifies such travel. To and from DMV offices in conjunction with the amendment of your driver's license with the problem driver restriction. To and from a place including a school , at which the child or children are cared for on a regular basis and which is necessary for the holder to maintain such holder's employment. Enrollment at an accredited school, college or university or a State - approved institution of vocational or technical training. These restrictions will remain in effect for a period of five years from the issuance of the document. Should you incur any violations / convictions , the approval may be withdrawn and favorable consideration may not be given to any future request for restoration of your New York State Driver license. If you are licensed by another state and you receive approval for restoration of your NY State driving privilege , you may resume driving in NY State if you have a valid out - of - state driver license. Note: Regardless if you are applying for a NY State driver license or driving privilege , any additional convictions of moving violations or other incidents added to your driving record can make you ineligible for approval or may delay the approval process. Driving privilege means that out - of - state drivers are allowed to drive a motor vehicle in New York State. A driving privilege can be suspended or revoked for the same reasons as are New York State driver licenses and carries the same penalties as driving with a suspended or revoked license. You will need to request approval by mail. Insurance Services BureauNYS DMV6 Empire State Plaza , Room 332BAlbany , NY 12228 1 - 518 - 474 - 0700 ", "Show \"do it online\" button in megamenu: \nTopic: \nTickets [14 ]  show mydmv button in megamenu: \nDisable this transaction?: \nyes or no survey:", "Pursuant to Executive Order No. 2 by Governor Andrew M. Cuomo , all licenses and registrations for New York State military personnel returning from active military duty relating to the war on terrorism and military action in Iraq will automatically be extended. The following information will help minimize any potential inconvenience upon their return.  What happens if my NY State driver license expires while I am on active duty? \nNY 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 6-month extension plus 24 -month grace period. Active military personnel must show proof of date of entry into military service. If the NY State license was valid at any time during your military service , your license can be renewed. A discharged serviceman must show a Certificate of Discharge, DD-214. You must have been discharged within the past 30 months. If the NY State license was valid at any time during your military service , your license can be renewed.  Am I required to notify DMV of my entry into the military? \nWhile not required , it is suggested that military personnel file a Notification of Military Service pdf [1] MV -75 to ensure that the license record is not purged once the expiration date has passed. ", "What happens if my NY State registration expires while I am on active duty? \nRegistrations are extended for up to 60 days from return to New York State. This extension applies only to vehicles registered to military personnel. You must show proof of military service or separation. Liability insurance coverage must be maintained at all times, including the period of extension.  What happens if I had a lapse of insurance coverage during active duty? \nYou are required to maintain continuous coverage or surrender your plates before deployed. If you were unable to do so , DMV has a procedure in place to exempt you from administrative actions upon your return. You must 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 or surrender of plates, and signed and dated copies of deployment and return papers, or DD-214 if separated from service. You can present these documents at any DMV office, or mail them to : Insurance Services BureauNYS DMV6 Empire State Plaza, Room 332BAlbany, NY 12228 If you have any additional questions , please contact the DMV Call Center [2].", "What is a driving school instructor? \nA driving school instructor is a person who has been certified to teach individuals to drive a motor vehicle for a licensed driving school. A certified driving school instructor may be approved to teach in one or more of the following areas cars trucks buses tractor - trailers Motorcycles requirements for the Pre - licensing Course [1] a classroom course  What are the requirements to become a driving school instructor? \nFirst , you must be employed by a driving school licensed by DMV. You must also meet several requirements identified in Commissioner s Regulations Part 76.16 [2], including must be at least 21 years of age has been valid for at least 2 years preceding application in the class of vehicle that the instructor intends to teach in , and has not been suspended or revoked in the last 2 years shows an acceptable driving record must have a high school or high school equivalency diploma a vision test road sign test written test driving school instructor driving test must never have been convicted of a felony or of any crime involving violence, dishonesty, deceit, indecency, degeneracy or moral turpitude Before your Driving School Instructor Certificate can be renewed , you must also complete a course in driver training and traffic safety, approved by the Commissioner, consisting of at least 30 hours known as the This 30-hour course is taught by various community colleges and driving schools that have been approved by DMV to provide this course. If you want to teach the Pre - licensing Course [3], you must also successfully complete a 30-hour Teaching Techniques and Methodology course a college - level course and have at least one year experience as a behind - the - wheel certified driving school instructor. ", "How do I become certified as a driving school instructor? \nTo become a driving school instructor , you must first be employed by a licensed driving school. Once you have been hired by a driving school , you must complete an Application for Driving School Instructor Certificate [4]. Be sure to answer all questions, and provide any explanations / information needed. Please include any documentation requested. Bring your completed application form to the driving school owner. With the application , you will need to include a copy of your high school or equivalency diploma one passport - type photo of yourself , taken within the last 30 days a check or money order , payable to Commissioner of Motor Vehicles , in the amount of $10. Starter checks, cash, or credit cards cannot be accepted. If your driver license is issued from a state other than New York , you must include with your application a certified copy of your driving record from the state agency that issued your license. The driving school owner must mail the application to : New York State Department of Motor VehiclesBureau of Driver Training Programs6 Empire State Plaza , Room 327Albany , NY 12228 473 - 7174 Once your application is approved , the Bureau of Driver Training Programs DTP will forward your application to the local DMV Testing & Investigations Unit T&I. The T&I Unit will contact you to schedule your testing 1, which consists of a vision test road sign test written test behind - the - wheel instructor s driving test ", "A little about the tests you have to pass \nThe is similar to the vision test you must pass to qualify for, or renew, your driver s license. You can take the vision test at DMV , or you can have your eye doctor or physician conduct this test and complete the Vision Test Report [5] form MV-619. Attach the Vision Test Report to your application. The evaluates your knowledge of road signs. See the Driver s Manual [6] MV-21 for more information. The is based on information found in the Driver s Manual [6] MV-21, Commissioner s Regulations Part 76 [2] CR-76, and Section 394 of the New York State Vehicle & Traffic Law [7] MV-299.1. There is a study guide for the Written Test [8], which you can download MV-368. The will evaluate your ability to drive, and to give a student instruction, in the type of vehicle you want to teach in. You will have to provide your own vehicle for this test. With each application , you are allowed to take each of the Road Sign Test and Written Test twice, and the Behind - The - Wheel Instructor s Driving Test once. If you do not pass these tests , you will have to submit a new application [4] including photos and $10 fee.  About Your Driving School Instructor Certificate (MV-524) \nAfter you pass all tests , the Bureau of Driver Training Programs will issue a Driving School Instructor Certificate MV-524 and mail it to the driving school where you are employed. You must carry the Driving School Instructor Certificate whenever you are teaching, and whenever you take a customer to a DMV Road Test Site. If a customer or DMV employee asks to see the certificate , you must be able to present it. IMPORTANT : The MV-524 only authorizes you to teach for the driving school named on the certificate. Once you are certified as a driving school instructor , you can get an additional certificate naming another school. Simply complete an Application for Driving School Instructor Certificate [4] form MV-523 and take it to the driving school that has hired you. With the application you will need to include a copy of your high school or equivalency diploma one passport - type photo of yourself , taken within the last 30 days if your driver license was issued from a state other than New York , you must include a certified copy of your driving record from the state agency that issued your license. There is no fee for an additional certificate as long as you have a valid certificate with another driving school. Unless the driving school you are employed by is authorized by DMV to conduct these tests for their employees.", "DMV s Traffic Violations Bureau TVB processes tickets for non - criminal moving traffic violations issued in the five boroughs of New York City. 1 For more information about the TVB , you can read our brochure [1].  How do I answer a TVB ticket? \nYou can answer most TVB tickets online [2]. You can either schedule a hearing for the traffic ticket , or you can pay the fine and surcharge with your credit card. For more information , see how to plead to or pay TVB tickets [3]. To answer your ticket by mail , enter your plea on the ticket and include the appropriate fee if pleading guilty. Mail to Traffic Violations Plea UnitP.O. Box 2950 - ESPAlbany, NY 12220 - 0950 To answer your ticket at a TVB office , follow the instructions on the ticket. Be sure to bring proof of identity such as your driver license.  What happens if I do not answer a TVB traffic ticket? \nIf you do not answer a traffic ticket on time , your driver license will be suspended. It is a crime to drive with a suspended license. A suspension for the failure to answer a ticket does not indicate that you are guilty of the charge. The suspension only indicates that you failed to answer the ticket. To remove the suspension , you must contact the court to answer the ticket pay a $70 suspension termination fee ", "What happens if I do not respond to my TVB ticket after I receive a suspension notice? \nIf you continue to ignore the ticket after your license is suspended for failure to answer the ticket , you will automatically be convicted of the charge. This is known as a' default conviction. ' The default conviction is equivalent to a guilty finding. The DMV then suspends your driver license for your failure to pay the fine. To terminate the suspension resulting from the default conviction , you must pay the fine, mandatory surcharge and the suspension termination fees. Note: Some convictions can cause the suspension or the revocation of your driver license. For more information , see Suspensions and Revocations [4] or read the DMV brochure Suppose Your License Were Taken Away [5].  What happens if I plead guilty to a violation that results in 5 or more points? \nIf you have 3 or more alcohol - related convictions on your entire driving record , a plea of guilty to a violation that results in 5 or more points may result in the revocation of your license under Part 132 of the Commissioner's Regulations. You may want to consult with an attorney before entering your plea. In other parts of New York State , traffic violations are processed in the criminal or traffic court of the city, county, town or village where the alleged offense took place. To answer these types of traffic tickets , contact the court directly. A suspension due to a traffic ticket is an' indefinite' suspension. An indefinite suspension means your driver license or privilege to drive is taken away until you pay a suspension termination fee of $70 and have valid driver license.", "To bring a vehicle from another state to register in New York \nIf you purchase a vehicle in another state , you will need to go through that state's DMV office to get a temporary plate and registration to transport the vehicle to New York. Once the vehicle is in New York , you will need to follow the steps to register and title a vehicle [1] here.  To bring a vehicle purchased in New York State to another state \nYou can apply for an in - transit permit, which will allow you to transport a vehicle from a location in New York State to a location outside of New York State.  To bring a vehicle purchased in New York State to another part of New York State to register \nYou can apply for an an in - transit permit, which will allow you to transport a vehicle from a location within New York to another location within New York.  In-transit permits duration \nThey are valid 30 days.  Fee \n$12.50.  Apply for an in-transit permit \nBring these items to a DMV office [2 ] a completed In - Transit Permit / Title Application pdf [3] MV-82ITP proof of ownership 1 proof of identity 2 payment for in - transit permit fee 3 proof of insurance 4 Print this checklist [4 ]  Acceptable proof of insurance if you are not a resident of New York State \nIf you are a resident of New York State , you may submit one of these proofs of insurance name of insurance company policy number and expiration date effective date insured's name and address vehicle information including year, make and VIN the name and address of the producer the name and address of the insured the name of the insurance company the effective and expiration dates of the policy a complete vehicle description including year, make and VIN Any Auto All Owned Autos Scheduled Autos ", "Not all vehicles need proof of insurance to apply for a vehicle permit \nVehicles that do not require insurance in New York State (e.g. light trailers) are not required to present proof of insurance.  Original insurance cards \nAll Insurance ID Cards must be original documents. A letter or an insurance binder can be an original document or a fax sent to a DMV office by the insurer. Photocopies are not acceptable.  Non-New York State Residents can apply \nYou do not need to be a New York State resident to apply for an in - transit permit. Proof of ownership can be Certificate of Title MV-999 Manufacturer s Certificate of Origin MCO Manufacturer s Statement of Origin MSO Statement of Ownership MV-51B Findings DMV Administrative Hearing Transferable Registration You must be at least 16 years old except for ATV and boat registrations. driver license learner permit , or non - driver ID card If you don t have one of these , see other kinds of proof [5] you can use. For intrastate permits , you may also need to pay title or lien fees and sales tax. These proofs of insurance are acceptable NY State Insurance ID Card FS -20 or FS-21 Insurance Certificate For Hire Passenger Vehicle FH-1 or FH-2 Corporate Surety Bond For Hire Passenger Vehicle FH-1B or FH-2B The preparation date must be 7 days or less from the date of your application for the vehicle permit. Additionally , the Temporary Insurance ID Card FS-75 must have \" in - transit \" or \" in - transit permit \" printed or written on it , and you must provide an In - transit Cancellation Authorization form this is not a DMV form from the insurance agent or broker who prepared the card. See sample insurance documents [6].", "Buying from a Dealer \nIn New York State , every automotive dealer must register with the Department of Motor Vehicles DMV. A registered dealer must obey certain state and federal laws that protect your purchase of a new or used car, truck, or other motor vehicle, including one sold as \" salvage. \" New vehicles are also protected by manufacturer's warranty. You can search for registered Automotive Dealers by using the Find a DMV - regulated Business [1] service. When you buy a used vehicle , the dealer must certify, in writing, that it is \" in condition and repair to render, under normal use, satisfactory and adequate service upon the public highway at the time of delivery. \" The dealer certification covers the entire vehicle except items that would be obvious to the customer before the sale, such as torn upholstery, missing hubcaps, etc. The vehicle also must have all safety equipment and emissions controls required by state and federal laws for the vehicle's model year.  A dealer also must: \nhave the vehicle inspected before selling it to a retail customer, even if the vehicle is new. The inspection must be done within 30 days of the date of sale and before you take delivery. The dealer may charge you the inspection fee. provide service or repairs under the manufacturer's warranty if the dealer is franchised by that manufacturer. Warranty service also may be available from other dealers franchised by the manufacturer. indicate, in writing, on the bill of sale whether a vehicle sold to a retail buyer is new, used, reconstructed, rebuilt salvage, or originally not manufactured to U.S. standards see Title Branding. For motor vehicles that are 10 model years old or newer , the seller must complete the odometer disclosure statement on the back of the title certificate. For vehicles older than 10 model years , odometer disclosure is not required. The damage disclosure statement on the back of the title certificate must be completed regardless of the vehicle s age. Note : The DMV will not register or grant title to a salvaged vehicle without a completed salvage disclosure statement. In addition , the DMV must examine each vehicle branded or identified by the seller as \" Rebuilt Salvage \" for stolen parts before the vehicle can be registered or titled. complete and sign an odometer disclosure statement if the vehicle is 10 model years old or newer. This statement is on the Retail Certificate of Sale MV-50. The buyer also must acknowledge and sign the odometer statement. indicate on the sales contract when a passenger car had been used primarily as a police car, taxicab, driver education or rental car. If a lien is being recorded or the dealer issued number plates , the dealer MUST handle the registration for you. The dealer may charge you up to $75 for this service, plus the actual fees for the vehicle's Certificate of Title MV-999, registration, and license plates. As a customer courtesy , a registered dealer may submit your completed Vehicle Registration / Title Application MV-82 to the DMV. The dealer also may provide a temporary certificate of registration and, if needed, new license plates. ", "Buying From a Private Seller \nOne advantage of buying a vehicle from a private seller is the possibility of lower cost compared to buying from a dealer. However , there are disadvantages. A private seller does not have to follow important regulations that a dealer must obey. In addition , a private seller rarely offers a warranty. If you have a complaint about the vehicle or purchase , you are on your own to resolve the problem with the seller, or in taking legal action. You cannot file a complaint with the DMV or other consumer assistance agencies if you buy a defective vehicle in a private sale. If you buy a vehicle 8 model years old or newer , the DMV will NOT register or issue you a new title certificate unless the seller has completed, and you have signed, the damage disclosure statement on the reverse of the vehicle's Certificate of Title MV-999 or have attached a completed damage disclosure on an Odometer and Damage Disclosure Statement MV-103. This statement indicates whether or not the vehicle's new title certificate should be branded \" Rebuilt Salvage \" see Title Branding. An Odometer and Damage Disclosure Statement pdf [2] MV-103 is available at any motor vehicle office. For motor vehicles that are 10 model years old or newer , the seller must complete the odometer disclosure statement on the back of the title certificate. For vehicles older than 10 model years , odometer disclosure is not required. The damage disclosure statement on the back of the title certificate must be completed regardless of the vehicle s age. IMPORTANT : THE DMV MUST EXAMINE EVERY VEHICLE IDENTIFIED AS \" REBUILT SALVAGE \" FOR STOLEN PARTS BEFORE THE VEHICLE CAN BE REGISTERED OR TITLED. ", "Title Branding \nIf a vehicle has been rebuilt, originally not manufactured to U.S. standards, or reconstructed , a branding notice must be printed in capital letters on the front of the New York State title certificate. A dealer must inform a customer, in writing, if a branded vehicle is being shown or sold to a retail customer. This may be a notice placed on the dealer's bill of sale or handed to the customer. You can also find a printed notice on the front of the title certificate if a vehicle previously had been returned to the manufacturer, its agent, or dealer because it did not conform to warranty. It also will be printed on the title after a final determination of a court finding or settlement under the state's Lemon Law. This notice will read : \" IMPORTANT : THIS VEHICLE WAS RETURNED TO THE MANUFACTURER OR DEALER BECAUSE IT DID NOT CONFORM TO ITS WARRANTY. \" The brands below may be printed on a New York State Certificate of Title MV-999 for 1973 and newer vehicles :  REBUILT SALVAGE/NY \nA vehicle with this label has been rebuilt after being wrecked, destroyed or damaged in excess of 75 percent of its retail value at the time of loss, or originally had entered New York State under a branded out - of - state title. Previous branding includes Salvage, Rebuilt Salvage, Salvage Restored, Junk, Parts Only, Water Damage, or other description. The Rebuilt Salvage branding will remain on the title for as long as the vehicle exists, no matter how many improvements are made to the vehicle. ", "NON-USA-STD \nA vehicle with this label was not originally manufactured in compliance with United States emissions or safety standards, or both.  RECONSTRUCTED \nA vehicle with this label has been repaired or constructed with a glider kit, but not one manufactured in two or more stages. A glider kit includes all components of a vehicle except the power train. It is generally used to rebuild heavy trucks or tractors that have been extensively damaged. Passenger cars built from custom kits are not considered reconstructed vehicles.  Reported Mileage \nVehicles over 10 model years old are exempt from mileage disclosure. For all other titled vehicles , the odometer mileage reported during the vehicle's most recent transfer of ownership is printed on the front of its New York State Certificate of Title MV-999. If the odometer had passed its maximum reading at the time of sale , the description \" EXCEEDS MECHANICAL LIMITS \" will be printed below the reported mileage. If the actual mileage is unknown because the odometer is broken, or has been repaired or replaced , the front of the title will be printed with \" NOT ACTUAL MILEAGE, WARNING ODOMETER DISCREPANCY. \"  Choosing a Vehicle \nNational Motor Vehicle Title Information System NMVTIS Vehicle History For Consumers [3] at YouTube Vehicle price is not controlled by any government agency. Take time to choose a vehicle that meets your needs and budget. Before you buy a vehicle , compare prices by checking newspaper ads and visit a number of dealers and/or private sellers. Then take it for a test drive. If you are knowledgeable , examine the engine, transmission, drive axles, steering and suspension, brakes and electrical system. If you do not know what to look for , it may be wise to pay a professional automotive technician to examine the vehicle. Before you buy from a dealer , find out about dealer or manufacturer warranties, what they cover, and for how long. Ask if the dealer performs service or subcontracts to a repair shop. Be sure all agreements, guarantees and warranties are in writing. ", "What to look for \nExamine the vehicle in bright daylight. Look carefully at the body for signs of collision damage or rust. Check the paint and vinyl top, sides, or trim for signs of wear or damage. Check all lights, lenses and mirrors for cracks or other damage. Look inside the vehicle for signs of wear or damage that may reduce its value, such as splits or holes in the upholstery. Make sure all seat belts are in place, and in good working condition. Look under the rugs or mats for dampness or water damage, which could mean there are body leaks. Open the trunk or rear hatch and check for leaks. Examine the spare tire, taking it out if necessary. Make sure the jack and lug wrench are there. Examine the engine compartment for signs of rusted metal around fenders, oil leaks, or excessive dirt on the engine. These can be signs of high mileage. Look at and feel rubber parts such as fan belts and radiator hoses. If they are hard, cracked or too soft , they should be replaced. Make sure the exhaust emissions control systems are intact and working. Start the vehicle when the engine is cold and listen to make sure it runs smoothly when cold. While the engine warms , check the dash gauges and all inside and outside lights. Make sure the heater, defrosters, air conditioner, windshield washer and wipers work properly. If the vehicle is properly registered , you may choose to take it for a test drive. The engine should accelerate smoothly , and the transmission should shift without hesitation, roughness or loud noises. Drive the vehicle on a straight, flat surface, and let go of the steering wheel for a moment to see if the front wheels follow a straight track without pulling to either side. When braking , there should be no unusual noise, vibration, or pulling to either side. Your test drive should include stop - and - go driving on local streets and driving at highway speeds, over a variety of surfaces and several hills. Note how well the vehicle runs and handles. Also , check to see if the engine overheats. If you are satisfied after the test drive , have the vehicle raised on a lift or jacks. Examine the condition of the brakes, tires, front and rear suspension, exhaust system and catalytic converter. Look for oil or fluid leaks underneath. ", "Taking Delivery \nIf you decide the vehicle is in good condition and worth the price , be sure the seller has the proper ownership and transfer documents. Ask the seller, and examine the title certificate, for information about unsatisfied liens bank loans, etc . . Carefully examine all documents before you pay for the vehicle. In a private sale , have the seller make out a bill of sale in addition to the ownership and sales tax documents.  Proofs of Vehicle Ownership \nthe proof of ownership is a Manufacturer's Certificate of Origin MCO and the dealer's \" Certificate of Sale \" MV-50. the proof of ownership is the Certificate of Title MV-999, or a transferable registration for 1972 and older models, signed over to the dealer, and the dealer's Certificate of Sale MV-50 showing ownership transfer to you. The dealer must complete , and you must acknowledge by signing, the appropriate odometer and damage disclosure statements. the proof of ownership is the Certificate of Title MV-999, or a transferable registration for 1972 or older models, signed over to you. The seller must complete , and you must acknowledge by signing, the appropriate odometer and damage disclosure statements. Be sure the private seller completes the seller's section of the form Statement of Transaction - Sale or Gift of Motor Vehicle, Trailer, All - Terrain Vehicle ATV, Vessel Boat, or Snowmobile pdf [4] at NY State Department of Tax and Finance DTF-802, available at motor vehicle offices or at the DMV web site. This form certifies the purchase price and determines the sales tax you must pay when registering the vehicle. If the form is not filled out by the seller , you will be charged sales tax based on the vehicle's current fair market value. Before you accept the title certificate from the seller , check the front of the title for the names and addresses of lien holders. A lien indicates the current owner owes money on a loan for the vehicle. If a lien is listed on the title, ask the seller to give you the proof the lien has been paid - in most cases, it will be an official from the lender. If proof is not provided , the lien holder could repossess the vehicle from you. If you have a concern or question about the title, registration, sales tax or proof of ownership , contact the DMV Call Center or any motor vehicle office before you buy the vehicle. ", "Trading In or Selling Your Vehicle \nBefore you trade in or sell your old vehicle , be sure to remove the license plates and the windshield registration sticker, which shows your plate number. This will help prevent you from being charged with parking tickets that do not belong to you. Turn in the plates to a motor vehicle office unless you are transferring them to a replacement vehicle. Always turn in your plates before you cancel liability insurance or before the insurance lapses. If you do not, your registration will be suspended , and your driver license could be suspended as well. When transferring the vehicle's title certificate to a new owner , you must fill out the appropriate odometer and damage disclosure statements, and sign your name at \" Seller's Signature. \" Then enter the seller's information on the sales tax form Statement of Transaction - Sale or Gift of Motor Vehicle, Trailer, All - Terrain Vehicle ATV, Vessel Boat, or Snowmobile pdf [4] at NY State Department of Tax and Finance DTF-802, available at any motor vehicle office and the DMV internet site.  Department of Motor Vehicles Consumer Assistance \nIf you have a complaint about your vehicle , bring it to the attention of the dealership management right away. Keep a record of all contacts with the dealer about the vehicle and any repairs or adjustments made. Keep copies of all work orders and invoices as proof of your attempts to resolve the problem. If you cannot resolve the problem with the dealer , write to: Bureau of Consumer and Facility Services, PO Box 2700-ESP, Albany, NY 12220 - 0700, or phone 518 474 - 8943 between 8:30 a.m. and 4:15 p.m. weekdays. If your complaint concerns a repair , you must file it with the Department of Motor Vehicles within 90 days or 3,000 miles of the repair, whichever comes first. If your complaint does not fall within its jurisdiction , DMV will refer you to the proper agency. ", "Lemon Laws \nNew York State's new and used car lemon laws provide legal remedies for consumers who buy or lease cars. If a car does not live up to the written warranty and cannot be repaired - or if it has not been repaired correctly after a reasonable number of attempts - the consumer could receive a refund or replacement car. For information and assistance concerning the Lemon Laws , contact : Office of the Attorney General [5] Albany , NY 12224 Telephone : 1 - 800 - 771 - 7755 or 1 - 518 - 474 - 5481 or any regional office of the Attorney General. You may also contact: Department of State, Division of Consumer Protection Consumer Assistance Unit 99 Washington Avenue, Albany, NY 12231 - 0001 Telephone : 1 - 800 - 697 - 1220 or 1 - 518 - 474 - 8583. DMV CALL CENTER TELEPHONE NUMBERS [6 ] NEW YORK STATE DEPARTMENT OF MOTOR VEHICLESMark J. F. Schroeder , Commissioner C-18 12/99 Return to DMV Publications [7 ]", "For information on how to apply, see Parking for People with Disabilities [1 ] Reserved parking for people with disabilities ensures safe and equal access to goods and services, access which most of us take for granted. This publication explains the rules that businesses and all drivers should observe about reserved parking spaces. It also presents information on how to obtain license plates and parking permits that allow individuals with severe disabilities to use specially - marked parking spots. Reserved parking for people with disabilities is a legal requirement, not just a courtesy. You can help support the law by parking in reserved spaces only if you have a permit or plates for people with disabilities, and only when the person who received the permit or plates is actually in the vehicle. Please avoid parking in the access aisle or striped area next to a reserved parking space - it is not a parking zone. This special area is needed for access by people who use wheelchairs and specially - equipped vehicles. It is important to respect each other. Please , be parking considerate.  Qualifying Disabilities For Plates or a Parking Permit for People With Severe Disabilities: \nA qualifying disability is one or more of the following impairments, disabilities or conditions that are both permanent in nature and affect mobility : Use of portable oxygen ; Legal blindness ; Limited use, or no use, of one or both legs ; Inability to walk 200 feet without stopping ; A neuro - muscular dysfunction that severely limits mobility ; A Class III or IV cardiac condition American Heart Association standards ; Severe limitation in the ability to walk due to an arthritic, neurological or orthopedic condition ; Restriction because of lung disease to such an extent that forced respiratory expiratory volume for one second, when measured by spirometry, is less than one liter , or the arterial oxygen tension is less than sixty mm / hg of room air at rest ; Any other physical or mental impairment not previously listed which constitutes an equal degree of disability , and imposes unusual hardship in the use of public transportation and prevents the person from getting around without great difficulty. A , valid for six months , may be issued when a person has a temporarily disabling condition that makes the person unable to walk without a cane, crutches, a walker or other assisting device. Important : Who Can Certify a Disability To qualify for the license plates or the parking permit , you must present proof of the disability from a medical doctor MD, doctor of osteopathy DO, doctor of podiatric medicine DPM, licensed in NYS only or optometrist OD, for blindness. Only these medical professionals are considered \" doctors \" as the term is used in this publication. A doctor licensed in New York or another state may certify for conditions #1 through #8 previously listed. Only doctors licensed in New York State may certify for condition #9. A podiatrist must be licensed in NYS, and may certify applicants only for severe disabilities of the foot. ", "Proof of Disability \nYou may provide one of these proofs of disability : Have your doctor fill out the Medical Certification, Part II, on the \" Application for License Plates and Parking Permits for People with Severe Disabilities \" MV-664.1. This form may be used to apply for license plates for people with disabilities and is accepted by most localities for a parking permit. The form is available at any motor vehicle office, by request from the DMV Call Center, for the DMV Internet Office, and from most permit issuing agents in cities, towns and villages. To determine which governmental office issues permits in your area , contact your local town, city or village clerk. a hospital, clinic or medical facility ; the NYS Office of Vocational Rehabilitation in the NYS Department of Education ; or the NYS Commission for the Blind and Visually Handicapped in the Office of Children and Family Services for verification of legal blindness. If you have an obvious, visible, permanent disability, such as the complete or partial loss of a leg or foot, the requirement for a medical statement may be waived by a DMV supervisor if you are applying for the license plates, or by the local issuing agent if you are applying for a permit. If you have moved to NYS and want to apply for New York State license plates or a parking permit for people with disabilities , you must provide proof of disability listed in 1 - 3 of the sections above even if you had parking privileges in your former state. Your out - of - state permit cannot be accepted in exchange for a NYS permit or plates. If you already have license plates for people with disabilities , a locality may accept your registration as proof for issuing a permit. Check with your local issuing agent before applying. Under the New York State Vehicle & Traffic Law Section 392 , it is a criminal violation misdemeanor to make a false statement or give false information on an application for license plates. It is also a misdemeanor under the NYS Penal Law Section 210.45 to make a false statement or provide misinformation to obtain a parking permit for a person with a disability, and is punishable by fines from $250 to $1,000. Additional civil penalties from $250 to $1,000 may also be imposed under Section 1203-a 4 of the Vehicle and Traffic Law. These penalties also apply to doctors providing certifications, as well as applicants. ", "About Plates \nThe Department of Motor Vehicles issues license plates for people with permanent disabilities for use on passenger cars, motorcycles, vans, and pickup trucks not used for commercial purposes. You do not have to be a resident of New York State or even a licensed driver to obtain the license plates , but you must be at least 16 years old to register a vehicle. License plates with the Universal Symbol of Access are only issued for a vehicle registered in the name of the person who has the disability , and each individual with a disability may have only one set of license plates. If you cannot register the vehicle in the name of the disabled person , refer to the section on Parking Permits. You may apply at any state or county motor vehicle office for a second set of license plates for another family member who also has a disability. In addition to providing the documentation for registering the vehicle , you also must provide the family member's driver license, proof of disability and a completed Application for License Plates and Parking Permits for People With Severe Disabilities [2] MV-664.1. Personalized license plates up to six characters with the Universal Symbol of Access are available for an additional charge. Please contact : NYS DMV Custom Plates UnitP.O. Box 2775Albany , NY 12220 If your vehicle already has a valid registration with New York license plates and you already have a permanent parking permit for people with disabilities that was issued in New York State , you must present this permit and a copy of the MV-664.1 showing the medical certification or doctor's statement used to obtain the parking permit. The medical certification must be dated no more than one year prior to the application for the license plates. Do NOT apply if you hold only a temporary parking permit. To apply , you must complete a Vehicle Registration / Title Application [3] MV-82 and pay a fee for the new plates displaying the Universal Symbol of Access. If this transaction is done at any time other than at renewal , a $3.75 transaction fee will be charged. If your vehicle already has a valid registration with New York license plates and you do NOT already have a permanent parking permit for people with disabilities , bring proof of your disability, your current New York plates and registration receipt to any state or county motor vehicle office. You will be required to fill out a Vehicle Registration / Title Application [3] MV-82 and pay a fee for the new plates showing the Universal Symbol of Access. If this transaction is done at any time other than at renewal , a $3.75 transaction fee will be charged. Do NOT apply if you hold only a temporary parking permit. If you are registering your vehicle for the first time, and you do not already have a permanent parking permit for people with disabilities , you must provide all of the items required for an original vehicle registration plus the proof of disability. ", "Renewing Plates \nThere is no additional fee for renewing a vehicle registered with plates for people with disabilities. You do not have to provide proof of disability when you renew your vehicle registration. However , when you sign your registration renewal notice you are certifying, under penalty of the law, that you have a severe disability and are eligible to have the license plates. Making a false certification is a misdemeanor.  About Parking Permits \nYou must live in New York State to be eligible for a permanent parking permit , but you need not be a licensed driver or own a vehicle. You must apply in the locality in which you live. A temporary parking permit, valid for six months, is available for a non - resident with a qualifying disability. State law requires every city, town and village to appoint an agent usually the city, town or village clerk to issue parking permits for people with disabilities. Contact your city, town or village clerk to find out which local agency issues the permits. There is no fee for the permit. DMV does not issue the parking permits. Localities follow the same general guidelines for issuing the permit as the DMV does for plates , but there may be some differences from one locality to another. Most issuing agents accept an MV-664.1. This form is available at any motor vehicle office, by request from a DMV Call Center, and from the DMV Internet Office. However , some localities have their own application form , and not all localities issue temporary permits. Contact your local issuing agent for specific information on how to obtain a permit in your area. A permit is issued to any person with a qualifying disability. This enables the permit may be used in any vehicle in which that person is riding. A local issuing agent also may issue parking permits to a state facility or an agency licensed by the state or locality. The permits will be issued only for vehicles primarily used to transport people with qualifying disabilities. To apply , the agency must provide a written request on its own letterhead describing its facility or agency, a copy of their New York State facility license and a list of the vehicles they use to transport people with disabilities. Each \" permanent \" or temporary permit has an expiration date. An expired permit is not valid and cannot be used. If your permit is due to expire , contact your local issuing agent to find out about the renewal procedures in your area. If your disability is not permanent , you may qualify for a temporary permit valid for up to six months. To apply for a temporary permit , you must present the same proof of disability as required for a permanent permit. The temporary permit will allow the same access to reserved parking spaces. If you have a temporary parking permit that is due to expire, and you still have a qualifying disability , you must obtain a new medical certification before you can apply for another parking permit. The permit is designed to hang from the rearview mirror when parked, but should be removed when the vehicle is being operated. If you lose your permit or it is stolen , immediately report it to the locality that issued the permit. ", "Proper Use of Valid Permits or License Plates \nAny vehicle that has a license plate or valid permit displaying the Universal Symbol of Access may use parking spaces designated for use by a person with a disability. The person to whom the license plate or permit was issued must be traveling in the vehicle in order to use these spaces. Plates and permits do not allow you to disobey state or local parking regulations. They also do not exempt you from parking fees unless a locality has adopted an ordinance to that effect. The fine for illegally parking in a space reserved for people with disabilities is $50 to $150, plus a mandatory $30 surcharge.  Misuse of Parking Permits or Plates \nIt is a serious misuse of license plates and permits for people with disabilities when someone other that the person with a disability uses the plates or permit to park in a space reserved for people with disabilities. These license plates or parking permits are valid only when the person with a disability who received the plates or permit is driving the vehicle or is a passenger in it. If you misuse plates or a parking permit or allow someone else to use them , the DMV may revoke the license plates or the locality that issued the permit may revoke the permit , or they may deny renewal.  Parking Spaces, Statewide \nOff - street parking spaces for people with disabilities are required by law at shopping centers that have five or more retail stores , and signs must be posted. Spaces reserved for people with disabilities must be located as close to the shopping center as possible and distributed to provide convenient access. A facility owner who does not comply may be fined up to $250. On - street parking spaces reserved for people with disabilities are designated by local law or ordinance. If you have a question about parking for people with disabilities on a particular street , contact the authorities responsible for maintaining the street. State and local laws and building codes also require reserved parking for people with disabilities at other facilities and when new parking lots are constructed. If you have a question about reserved parking at any facility with off - street parking , contact the facility management or the local building inspector. State, county or local law enforcement officers are authorized to enter the parking lot of any shopping center or other facility described in the State Building Code to enforce laws governing the use of parking spaces reserved for people with disabilities. ", "Parking Spaces, New York City \nNew York City does not set aside reserved spaces on its streets for persons with disabilities. Reserved parking spaces are only available off - street, in parking lots for shopping centers / malls, office / apartment buildings and college campuses. You can use the vehicle plates for people with disabilities or a state permit for people with disabilities to park in reserved spaces in those off - street lots. However , the NYC Department of Transportation issues a City permit a rectangular dashboard permit that allows persons with severe disabilities to park at most curbsides on NYC streets. City permits are issued to people with a permanent disability that so severely affects their ability to walk that they require the use of a private automobile. The New York City parking permit is not valid outside of NYC. For more information or to obtain an application for a NYC permit , call 718 433 - 3100 or visit the NYC Department of Transportation's web site [4].  Visiting from Out of State Or Traveling Outside New York State \nNew York State honors out - of - state plates and permits for people with disabilities , and most other states also honor New York's permits and plates. To be sure if you travel to another state, check with the police or motor vehicle agency of the other state about whether they honor New York State issued license plates or permits for people with disabilities. Remember: Apply for plates or a permit for people with disabilities only if you have a qualifying disability. When parked , hang the parking permit from the vehicle's inside rearview mirror. Remove the permit from the mirror before driving. Use the parking spaces reserved for people with disabilities only if you have the license plates or parking permit , and only when the person with a disability is driving or riding in the vehicle. Never park in the access aisle or striped area next to a reserved parking space. This allows access to the parking space by people with wheelchairs and specially - equipped vehicles. It is not a parking zone. Do NOT allow others to misuse your plates or permit. When you use the license plates or parking permit for people with disabilities , you are NOT exempt from parking regulations or fees. ", "Important Addresses and Phone Numbers: \nTo apply in New York City for the state parking permit or the special New York City disability parking permit for people with disabilities , please contact : The NYC Department of Transportation, Bureau of ParkingPermits and Customer Service Unit 30 - 30 Thomson Avenue , 2nd Floor Long Island City, NY 11101 - 3045Telephone : 1 - 718 - 433 - 3100 TTY : 1 - 212 - 504 - 4115 website : http://www.nyc.gov/html/dot/html/motorist/pppdinfo.shtml [4 ] Personalized license plates up to six characters with the Universal Symbol of Access are available for an additional charge. Please contact : NYS DMV Custom Plates UnitP.O. Box 2775Albany , NY 12220 DMV Call Center telephone numbers [5 ] NEW YORK STATE DEPARTMENT OF MOTOR VEHICLESMark J. F. Schroeder , Commissioner C-34 4/06 Return to DMV Publications [6 ]", "Titled vehicles \nIf the seller has a title certificate that was transferred to the seller by the previous owner, and the title certificate displays the name of the previous owner , the seller must get a title certificate that displays the name of the seller. Use the Application for Title Only PDF [1] MV-82TON form. Follow the instructions carefully. Do not use the MV-82TON form to apply for both a vehicle registration and a title certificate at the same time replace a lost title certificate If the seller cannot get a title certificate that displays their name , they can contact the DMV [2] to get more information.  Non-titled vehicles \nReplace a NY State transferable registration \nIf the NY State transferable registration is lost , the current owner can apply for a duplicate registration document at a DMV office. Use the Application for Registration or Title PDF [3] MV-82 and the instructions for Registering / Titling a Vehicle in New York State PDF [4] MV-82.1. The current owner can transfer the ownership with the duplicate registration, even if the registration is expired must also complete a bill of sale see Get proof of ownership at purchase [5 ]  Use the Certification of NY State Registration for Transfer of Non-Titled Vehicle \nIf the NY State transferable registration is lost and the DMV cannot issue a duplicate , the current owner can apply for Certification of NY State Registration for Transfer of Non - Titled Vehicle Form MV-353. The DMV must verify that the vehicle was registered to the current owner. The current owner must provide proof of identity see proofs of identity [6]. There is a fee $10 for form MV-353. The current owner can use form MV-353 and a bill of sale [7]. ", "Use the Statement of Ownership (PDF)[8] (MV-51B) \nIf the DMV cannot issue a transferable registration or form MV-353 the registration applicant must show other evidence of ownership. For example , the applicant can show an old registration, an original Manufacturer's Certificate of Origin, or an original Manufacturer's Statement of Origin. If the proof is not available , the applicant can use the MV-51B for proof of ownership.  Use the Certification [Affidavit] of Sale or Transfer (PDF)[9] (MV-51) for 1972 or Older Vehicles or Any Other Non-Titled Vehicles \nIf the seller did not register the vehicle, the boat, the ATV or the snowmobile , they can give the buyer a completed MV-51 the original proof of ownership that they received from the previous owner a bill of sale If there are other previous owners , the seller must also give the buyer proofs of all previous transfers of ownership. The seller must also give the buyer a bill of sale.  Seller did not provide proof of ownership \nBefore you purchase a vehicle, boat, or snowmobile that is non - titled , make sure that you will receive the acceptable proofs of ownership. If you cannot get any of these proofs , you must contact the person that sold you the vehicle, boat or snowmobile to you and get a bill of sale , and a registration receipt or form MV-353 transferred to you write to the owner and request that they transfer the acceptable proof of ownership to you and mail the proof to you (we recommend you use certified mail to request a return receipt If you do not receive proof of ownership and the US Postal Service returns your certified letter , bring all of these items to a DMV office the returned certified letter in its envelope , not opened a pencil tracing , a photo or a police statement that shows the vehicle identification number that explains how you got the vehicle and how you tried to get acceptable proof of ownership a notarized affidavit other documents that are evidence of ownership - for example , a bill of sale or registration documents of the previous owners , or your cancelled check for payment a completed Statement of Ownership PDF [8] MV-51B - if you have had the vehicle, boat or snowmobile for less than one year and it was never registered by the previous owner, the previous owner must complete form MV-51B ", "Important \nIf your proof of ownership for a non - titled vehicle, boat, or snowmobile is not a NY State transferable registration , the local DMV office will issue a non - transferable registration. You can use the vehicle, boat or snowmobile with a non - transferable registration , but you cannot transfer your ownership to another person. The DMV Title Services Bureau will examine your proofs and will mail to you either a transferable registration, or a letter that explains why the DMV cannot issue a transferable registration.", "[1]  NYS Adventure Custom Plates \nThe 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. Available in passenger, commercial and motorcycle registration classes , these beautiful plates allow you to proudly display your love of the outdoors.  What do the Adventure Custom Plates cost? \n* The fee noted for each renewal is the $15 annual I LOVE NY fee + the personalization fee if applicable and does not include the regular registration renewal fees due upon each renewal. As the $15 I LOVE NY fee is an annual fee, if your registration is renewed every two years passenger and commercial class , the fee is $30 at renewal. Motorcycle classes renew every 1 year ; therefore a $15 I LOVE NY fee will be due at each renewal. If you purchased a LIFETIME NYS Parks issued Empire Passport or DEC issued LIFETIME Sporting License in 2014 , the fees noted above except personalization fees, if applicable are waived for your first plate purchase and first renewal only. Personalization fees are $31.25 for passenger and commercial registration classes and $18.75 for motorcycle registration class. To obtain the I LOVE NY Adventure Custom Plates for a passenger or commercial registration class vehicle , you may order them online at I LOVE NY Adventure Custom Plates Gallery [2]or by mail by completing the Application for Custom Plates [3] CP-30 and mailing it to the Custom Plates Unit at NYS Department of Motor Vehicles, Custom Plates Unit, P.O. Box 2775 , Albany , NY 12220. To obtain the I LOVE NY Adventure Custom Plates for a motorcycle registration class, you must order them by mail , no online ordering is possible. A copy of your driver license and a copy of your sporting license or Empire Passport must accompany the application form. Adventure Custom Plates cannot be ordered in a DMV office. ", "NYS Adventure License \nDMV has teamed with the NYS Department of Environmental Conservation DEC and the Office of Parks, Recreation and Historic Preservation Parks to offer a new convenient service for purchasers of DEC issued Lifetime Sporting Licenses and Parks issued Lifetime Empire Passports and Boating Safety Certificates. Beginning February 3 , 2014 , your driver license, permit or non - driver ID can show evidence that you possess one of these new NYS Adventure Licenses. The lifetime recreational license icons will be displayed on the DMV photo document as shown below : Icon Key: More information about purchasing a NYS Adventure License may be obtained at the NYS website [1].  How do I take advantage of this easy new service? \nNew lifetime sporting license purchasers and those that complete a boating safety course can opt to have icons added to their NYS Driver license and non driver ID when you purchase your lifetime sporting license [4], or complete your boating safety certification [5] training. (As a reminder, effective May 1, 2014, all individuals born on or after May 1, 1996 are now required to successfully complete an approved course in boater education in order to operate a motorboat. For more information, go to the NYS PARKS website [6]). You 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. Those purchasing a Lifetime Empire Passport [7] will be automatically issued a new license at no cost. ", "What If I already have a lifetime sporting license or safe boating certificate? \nYou 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 [1] or by visiting a NYS Department of Motor Vehicles office and presenting the required proof. When visiting the DMV office , there is a $12.50 $5.00 for non - driver ID holders new document fee unless you are renewing your photo document during your visit. For more information , see the NYS Adventure License FAQs [8].", "What information appears on a lifetime driving record? \nA \" lifetime \" driving record contains all the license information DMV currently has available about a driver. The lifetime driving record will display all information still in DMV s possession regardless of the data retention requirements found in Vehicle and Traffic Law. The record may not include information that dates back to when a driver was initially granted driving privileges. A standard driver license abstract only contains information that DMV is still required to keep. For example , most suspensions and revocations are only shown on the standard driving record abstract for 4 years from the date the suspension or revocation ended. A lifetime driving record will show suspensions and revocations that are older than 4 years. Each driving record abstract contains information grouped within several sections. See Description of Abstract of Lifetime Driving Record [1] DS-242.3 for more information on how to read and understand a lifetime driving record abstract.  Header 1 \nThe \" Header \" section includes the individual's information as applicable deceased name mailing address City, State, ZIP Code mailing county name as it appears on document DMV ID Number Client ID Number from your NY State driver license, learner permit or non - driver photo ID card date of birth DOB gender / sex height eye color temporary visitor military veteran organ donor suspension and revocation summary that limit the driving privilege restrictions adventure license credentials See the form Driver License Class Descriptions [2] MV-500C for a list and explanation of driver license restrictions. ", "Summary 2 \nThe header is followed by a \" Summary \" section that includes license class / privilege document status including commercial and 19A document expiration date date of road test eligibility  Current License \nThe \" Current License \" section includes current license class current license expiration date that expand the driving privilege any endorsements that was issued type of document  Non-Driver ID \nThe \" Non - Driver ID \" section includes issue date expiration date  Permit History \nThe \" Permit History \" section includes permit classes and the dates they were applied for date the permit document expired that limit or expand the permit privilege any restrictions or endorsements  Activity \nThe \" Activity \" section may include driver license related course completion Commercial Driver License CDL history license reciprocity information  Class / Privilege change \nThe \" Class / Privilege \" section includes class / Privilege of the driver holds or has held effective date for each class / Privilege date each license class / Privilege was posted to the license record  Document Issued \nThe \" Document \" section includes type of document license class issue date  Merges \nThe \" Merges \" section only appears on the abstract if the driver has ever had license under a different Customer Identification Number CID than the one shown in the \" Header \" section. if present will show The \" Merges \" section which CID's were merged and the resulting CID the merged CID was put on the record the date any other name connected to the merged CID 's any other Dates of Birth DOB connected to the merged CID 's any other gender connected to the merged CID 's ", "Suspensions and Revocations \nOn the \" Lifetime \" driving record , the \" Suspensions and Revocations \" section is divided into two sub - sections, \" Non - Scofflaws \" and \" Scofflaws \". Non - scofflaws and Scofflaws will be listed separately, in order by effective date, from newest to oldest. For out of state courts , the court s address and phone number are recorded as provided by the issuing jurisdiction. Non - scofflaws : The type of sanction imposed suspension or revocation which results from reasons other than failure to answer a summons or pay a fine / surcharge / assessment. The following fields may appear. Suspension / Revocation Date Incident Date if applicable Reason reason for sanction Order Number Case Number if applicable Ticket Number if applicable Class Affected Civil Penalty if applicable Termination Fee if applicable Length of Sanction Clear On clearance date Reason reason for clearance Out of State Information if applicable Rescission if applicable Scofflaws : The suspension imposed as a result of failure to answer a summons or pay a fine / surcharge / assessment. The following fields may appear. Suspension Date Reason reason for sanction Order Number Ticket Number Court Name Clear On clearance date Reason reason for clearance The CONVICTIONS / BAIL FORFEITURES section lists conviction and bail forfeitures in order of violation date. The following fields may appear. Conviction / Forfeiture violation description Violation Date Conviction Date Location Penalty if applicable Points if applicable Commercial Vehicle Hazmat Ticket Number The VESSEL / SNOWMOBILE lists suspensions and convictions for boats and snowmobiles. Vessel / Snowmobile Privilege Suspensions : section lists boat and snowmobile suspensions in order of effective date. The following fields may appear. Suspension Effective Date Reason reason for sanction Order Number Ticket Number if applicable Civil Penalty if applicable Period length of sanction Clear On clearance date Reason reason for clearance Vessel / Snowmobile Convictions : section lists boat and snowmobile convictions in order of violation date. The following fields may appear. Conviction Violation Date Convicted On Ticket Number if applicable Location Penalty if applicable The ACCIDENTS section lists accidents in order of accident date. 3 The following fields will appear Accident Date County Case Number Accident Type Accident Reports Filed The ADDRESS HISTORY section lists addresses on file in order of effective date. The following fields will appear. Posted effective date Type Address County Country ", "What if the information on my driving record abstract is wrong? \nIf you suspect that your DMV abstract contains incorrect information , contact the DMV Call Center [3]. This information is found at the top of driving record , but the word Header is not part of the abstract. This information is found at the top of a driving record , but the word Summary is not part of the abstract. The DMV lists an accident on the records of every driver in the accident. An accident that appears on a driving record does not assign the fault to that driver. The DMV does not determine the fault in an accident.", "to transfer ownership for Find acceptable proof of ownership and instructions Cars , trucks and motorcycles Manufactured homes Motorized boats Trailers All - Terrain Vehicles ATV s Snowmobiles Vehicles purchased from dealers that are gifts Vehicles Deceased owners Vehicles to a revocable living trust  Cars, Trucks, and Motorcycles \nModel year 1973 or newer \nThe acceptable proof of ownership is either the New York State Certificate of Title must be the original 1 if the state does not provide a title document because there is a lien on the vehicle , an electronic title printout from the DMV is acceptable To transfer ownership the transfer section must be notarized if the proof of ownership is a Certificate of Title from Alaska, Arizona, Hawaii, Kentucky Louisiana, Mississippi, Montana, Nevada, North Carolina, Ohio, Oklahoma, Pennsylvania, Washington, Wyoming, or Puerto Rico the seller must sign a Vehicle Bill of Sale PDF [1] if the vehicle was a gift , the seller must sign Section 6 on Page 2 of a Statement of Transaction- Sale or Gift of Motor Vehicle, Trailer, All - Terrain Vehicle ATV, Vessel Boat, or Snowmobile PDF [2] at NY State Department of Tax and Finance DTF-802 if the seller has a title certificate that was transferred to them by another person , the seller cannot use that title certificate to transfer the ownership before the seller can transfer ownership they must apply for a title certificate only [3] and transfer the new title certificate Additionally if the vehicle is 10 model years old or newer , the seller must complete the Odometer Disclosure Statement on the back of the title certificate the Damage Disclosure Statement on the back of the New York State Certificate of Title must be completed for all vehicles regardless of the vehicle's age make sure that the information listed on the title certificate is not altered, erased or changed 3 ", "Model year 1972 or older \nThe acceptable proof of ownership is either a NY State Transferable Registration must be the original or a certified copy , acceptable proof from another state 4 To transfer ownership the owner can use the transferable registration and a bill of sale make sure the registration document is marked \" transferable \" on the front the seller whose name appears on the transferable registration must sign the back  Manufactured homes \nModel year 1995 and newer the acceptable proof of ownership can be a Certificate of Title acceptable proof of ownership from any other state 5 the Manufacturer's Certificate of Origin MCO the Manufacturer's Statement of Origin MSO If you purchase a new manufactured home from a dealer , the proof of ownership can be either the Manufacturer's Certificate of Origin MCO the Manufacturer's Statement of Origin MSO , transferred by the dealer to the purchaser along with a bill of sale [4 ] an Application for Title Only PDF [5] MV-82TON with the Manufactured Home Dealer Certification section completed To transfer ownership the seller whose name appears on the proof of ownership must sign the transfer section and provide a bill of sale if the seller has a title certificate that was transferred to them by another person , the seller cannot use that title certificate to transfer the ownership the seller must apply for a title certificate only [3] and transfer the new title certificate the buyer's name must be on the title certificate make sure that the information listed on the title certificate is not altered, erased or changed 6 ", "Motorized boats \nModel year 1987 or newer, and at least 14 ft. long \nThe acceptable proof of ownership is either the NY State Certificate of Title must be the original or a certified copy , 7 acceptable proof of ownership from another state 8 To transfer ownership the seller whose name appears on the proof of ownership must sign the transfer section and provide a bill of sale if the seller has a title certificate that was transferred to them by another person , the seller cannot use that title certificate to transfer the ownership to you the seller must apply for a title certificate only [3] and transfer the new title certificate the buyer's name must be on the title certificate make sure that the information listed on the title certificate is not altered, erased or changed 9  Model year 1986 or older or any NY State-registered boat that is less than 14 ft. long \nThe acceptable proof of ownership is either the NY State Transferable Registration - must be the original or a certified copy , acceptable proof of ownership from another state 10 To transfer ownership the owner can use the transferable registration and a bill of sale [4 ] make sure the registration document is marked \" transferable \" on the front the seller whose name appears on the transferable registration must sign the back  Trailers \nModel year 1973 or newer with an unladen weight of 1,000 lbs. or more \nThe acceptable proof of ownership is either the NY State Certificate of Title must be the original or a certified copy , 11 acceptable proof of ownership from another state 12 To transfer ownership the seller whose name appears on the proof of ownership must sign the transfer section and provide a bill of sale [4 ] if the seller has a title certificate that was transferred to them by another person , the seller cannot use that title certificate to transfer the ownership the seller must apply for a title certificate only [3] and transfer the new title certificate your name must appear on the title certificate as the buyer make sure that the information listed on the title certificate is not altered, erased or changed 13 ", "Model year 1972 or older, or ANY model year trailer with an unladen weight of 999 lbs. or less \nThe acceptable proof of ownership is either the NY State Transferable Registration - must be the original or a certified copy , acceptable proof of ownership from another state 14 To transfer ownership the owner can use the transferable registration and a bill of sale make sure the registration document is marked \" transferable \" on the front the seller whose name appears on the transferable registration must sign the back  All-Terrain Vehicles (ATVs) \nFor a new ATV , the acceptable proof of ownership is either the Manufacturer's Certificate of Origin MCO the Manufacturer's Statement of Origin MSO For a used ATV where the prior registration was not in New York State , acceptable proof is either the Manufacturer's Certificate of Origin MCO the Manufacturer's Statement of Origin MSO along with the bill of sale [4 ] For a used ATV where the prior registration was in New York State , acceptable proof is either a NY State transferable registration - must be the original or a certified copy , acceptable proof of ownership from another state To transfer ownership the owner can use the transferable registration make sure the registration document is marked \" transferable \" on the front the seller whose name appears on the registration must sign the back and provide a bill of sale Purchased from a registered dealer You must get a dealer's bill of sale. An acceptable bill of sale includes all of this information the name , mailing address , and registration number of the dealer your name and your mailing address the vehicle identification number of the ATV the year and make of the ATV the model name and the number of wheels on the ATV that indicates if the ATV is new or used the information that proves that the dealer collected the correct amount of NY State sales tax the information If the ATV was never registered or the proofs of ownership are not available, complete an Affidavit Statement of Ownership PDF [6] MV-51B, and get a bill of sale from the current owner. ", "Snowmobiles \nPurchased from a dealer \nThe acceptable proof of ownership can be the Manufacturer's Certificate of Origin the Manufacturer's Statement of Origin the registration of the previous owner that is signed and transferred to the dealer a dealer's bill of sale [4] on company letterhead  Previously registered in New York and purchased from an individual \nThe acceptable proof of ownership is a snowmobile bill of sale [4] and a New York State registration. The person whose name appears on the proof of ownership must sign the transfer section. An acceptable snowmobile bill of sale includes all of this information buyer and seller names and mailing addresses the year and make of the snowmobile the model name , model number , color , and CC / HP of the snowmobile the snowmobile identification number the purchase price the signature of the seller  Never registered and purchased from an individual \nThe acceptable proof of ownership can be the Manufacturer's Certificate of Origin or Manufacturer's Statement of Origin the dealer's bill of sale given to the original owner the sales tax receipts from all other transfers a snowmobile bill of sale [4] as described above  Vehicles purchased from dealers \nA DMV - licensed automobile dealer must have acceptable proof of ownership for a vehicle before they can sell that vehicle to you. Most NY State automobile dealers send the application for a vehicle registration and title certificate to the DMV. The dealer can charge a fee of $75 for this service. The proof of ownership for a new vehicle is either the Manufacturer's Certificate of Origin MCO the Manufacturer's Statement of Origin MSO and form MV-50 Retail Certificate of Sale The proof of ownership for a used vehicle is both that the previous owner signed to transfer the ownership to the dealer the title certificate ' Retail Certificate of Sale' MV-50 that the dealer signs to transfer ownership to you out - of - state dealers use a different bill of sale form If you cannot get acceptable proof of ownership from a NY State dealer , learn how to file a complaint [7]. ", "Vehicles purchased or received as a gift from another person \nIf you buy a vehicle, a boat, an ATV, or a snowmobile from another person who is not a DMV - licensed automobile dealer or receive it as a gift , make sure that you receive acceptable proof of ownership. Proof of ownership normally includes a bill of sale. The DMV does not provide a form for a bill of sale. The seller and the buyer complete the bill of sale. If the vehicle is transferred as a gift , indicate this on the bill of sale and indicate that the purchase price is $0. You must also complete a Statement of Transaction- Sale or Gift of Motor Vehicle, Trailer, All - Terrain Vehicle ATV, Vessel Boat, or Snowmobile PDF [2] at NY State Department of Tax and Finance DTF-802 and indicate on the form that the vehicle is a gift. An acceptable bill of sale includes all of this information the year and make of the vehicle, boat or ATV the vehicle identification number VIN or the hull identification number HIN the date of the sale the purchase price of the vehicle or the boat the names and signatures of the buyer and the seller The buyer and seller can make photocopies of the bill of sale to keep for their records. The new owner must go to the DMV with the acceptable proof of ownership and a bill of sale. A bill of sale alone is not acceptable as proof of ownership without a title or transferable registration ", "Deceased owner (motor vehicles only) \nUse this checklist to help you transfer the ownership when the vehicle owner is deceased PDF [8] MV-843. For transfers made by the' According to the Estates, Powers & Trust Law of New York State , ' the owner of one vehicle that has a value of $25,000 or less automatically transfers to the surviving spouse. If the surviving spouse wishes to transfer ownership , they must print the decedent s name in the Seller s Name Print in Full section on the back of the Title and sign their name in the Seller s Signature Section followed by the words as surviving Spouse. that has a value of $25,000 or less transfers to the surviving children under the age of 21 The ownership of one vehicle if there is no surviving spouse or the spouse is disqualified. The spouse or the legal guardian of one of the children must sign the title certificate. When the spouse or the guardian signs the title certificate , they must indicate the relationship to the deceased owner. A spouse writes the word \" spouse \" under the signature. A guardian writes \" guardian of \", and the name and the relationship of the child to the deceased owner for example, \" Charles Edwards, guardian of John Smith, son \". To transfer ownership of the vehicle to another person , the spouse or guardian must complete an Affidavit for Transfer of Motor Vehicle PDF [9] MV 349.1. The form must be notarized. The spouse or guardian also gives the new owner a photocopy of the death certificate or certification of death. The DMV accepts a photocopy of the death certificate or certification of death. When the new owner applies for a vehicle registration or a title certificate , they must provide form MV-349.1 and the copy of the death certificate or certification of death. For transfers made by the Executor or Administrator of the Estate : If there is more than one vehicle or there is one vehicle that has a value of more than $25,000 , the vehicle or vehicles become part of the estate. You cannot use the Transfer of Vehicle Registered in Name of Deceased Person PDF [10] MV-349 or an Affidavit for Transfer of Motor Vehicle PDF [9] MV-349.1 to transfer the ownership A copy of Letters of Testamentary, Letters of Administration, or Voluntary Administrator s affidavit from the Surrogate Court MUST be submitted together with the decedent s title transferred by the person given legal authority in the documents to sign. The Executor or Administrator of the estate must transfer the ownership by signing the title certificate. Under the signature of the Executor or Administrator , write : Executor or Administrator of the Estate of , and then enter the name of the deceased owner. For example : \" Executor of the Estate of Mary Ann Smith \". ", "Deceased owner (Manufactured Homes, Snowmobiles, Boats, Trailers and All Terrain Vehicles) \nIf the owner is deceased , the Estates, Powers & Trust Law of New York State provides for the transfer of the Manufactured Home, Snowmobile, Boat, Trailer or All Terrain Vehicle only through the property distributions of an estate set up by order of a Surrogate Court. A Surviving Spouse, minor child or next of kin CANNOT automatically assume ownership. Therefore , a Transfer of Vehicle Registered in Name of Deceased Person PDF [10] MV-349 or an Affidavit for Transfer of Motor Vehicle PDF [9] MV-349.1 cannot be used to transfer a manufactured home. A copy of Letters of Testamentary, Letters of Administration, or Voluntary Administrator s affidavit from the Surrogate Court MUST be submitted together with the decedent s title transferred by the person given legal authority in the documents to sign. The Executor or Administrator of the estate must transfer the ownership by signing the title certificate. Under the signature of the Executor or Administrator , write : Executor or Administrator of the Estate of , and then enter the name of the deceased owner. For example : \" Executor of the Estate of Mary Ann Smith \".  Vehicles to a revocable living trust \nThe person who creates a trust is the settlor. The owner of the vehicle and the settlor of the trust can be the same person. The person or the persons who manage the property of the trust are the trustee or the trustees. The settlor can be a trustee , but the settlor cannot be the only trustee. The document that creates the trust is the trust document. When a person transfers a vehicle to a revocable living trust , the settlor becomes the new owner of the vehicle. How to Transfer the Vehicle to the Settlor the Trust The owner and the settlor must complete Statement of Transaction- Sale or Gift of Motor Vehicle, Trailer, All - Terrain Vehicle ATV, Vessel Boat, or Snowmobile PDF [2] at NY State Department of Tax and Finance DTF-802. If the owner and the settlor are the same person , complete Part II of form DTF-802 for a gift. Complete the donor section and the recipient section. The person who is the owner of the vehicle must complete the seller sections on the back of the certificate. The owner must sign the title certificate as the seller. The settlor must complete the odometer and damage disclosure statement on the back of the title certificate. The settlor must sign their full name in the buyer section of the title certificate and print the word \" settlor \" after their name. The settlor must get new insurance identification cards from an insurance agent or insurance company. The insurance identification cards must identify the with the letters \" TST \" and identify the settlor with the letters \" STL \". For example : \" John Jones TST \" \" John Jones STL \" How the Settlor Applies for a Registration and a Title Certificate The settlor cannot use the registration or vehicle plates of the previous owner. The settlor must apply for a new title certificate and a new vehicle registration. The DMV issues new registration documents, new vehicle plates and a new title certificate to the settlor. The previous owner must transfer [11] or surrender the previous vehicle plates [12]. To apply for the new registration and title certificate , the settlor must bring to a DMV office : Statement of Transaction- Sale or Gift of Motor Vehicle , Trailer , All - Terrain Vehicle ATV , Vessel Boat , or Snowmobile PDF [2] at NY State Department of Tax and Finance DTF-802 that identifies the trust and the settlor the insurance identification card Vehicle Registration / Title Application PDF [13] MV-82 completed and signed by the settlor describes the trust as a revocable living trust shows the name of the trust shows the names of the settlor, the names of the trustees and the Social Security Number SSN of the settlor if an SSN of the settlor is not available, the settlor can show a New York State driver license with the ID number of the settlors driver license, permit or Non - Driver ID. ", "More information \nRead the DMV brochures, Let the Buyer Be Aware [14], and Q&A About Your Title Certificate [15]. We will not accept certified copies. If the original title was lost or stolen , if you have satisfied a lien on the title or you must order a replacement title [16]. We will not accept certified copies. If any information is altered, erased or changed , the current owner must get a duplicate title certificate and use the duplicate to transfer the ownership to you. Different states issue different documents for ownership and transfer of older vehicles. Make sure that is the acceptable proof of ownership in the state that issued the document. Different states issue different documents for ownership. Make sure that an out - of - state document is the acceptable proof in the DMV in the state that issued the document. If any information is altered, erased or changed , the current owner must get a duplicate title certificate and use the duplicate to transfer the ownership. If the original title was lost or stolen , if you have satisfied a lien on the title or you must order a replacement title [16]. If the boat is registered in another state , contact that state to make sure that the proof of ownership you receive is acceptable for that state. If any information is altered, erased or changed , the current owner must get a duplicate title certificate and use the duplicate to transfer the ownership. 10. If the boat is registered in another state , contact that state to make sure that the proof of ownership is acceptable that state. 11. If the original title was lost or stolen , if you have satisfied a lien on the title or you must order a replacement title [16]. 12. If the trailer is registered in another state , contact that state to make sure that the proof of ownership is acceptable for that state. 13. If any information is altered, erased or changed , the current owner must get a duplicate title certificate and use the duplicate to transfer the ownership. 14. If the trailer is registered in another state , contact that state to make sure that the proof of ownership is acceptable for that state.", "Driving school \nA driving school is a commercial business authorized by DMV s Bureau of Driver Training Programs to provide driving instruction for hire, which could include behind - the - wheel driving lessons. DMV issues driving school licenses to those qualified to conduct a driving school business. The license must be clearly displayed at the place of business. Upon meeting certain additional requirements , driving schools may also provide the DMV approved 5-Hour Pre - licensing Course [1] to individuals who want to obtain a driver license teach the basic 30-hour instructor's course, now known as the, for driving school instructors  Driving school instructor \nA driving school instructor is someone who works for a licensed driving school, teaching customers of the school how to drive motor vehicles safely. DMV issues an Instructor Certificate MV-524 to driving schools for instructors once they are certified to teach for the school. The instructor must carry this certificate at all times while driving instructions are given or when accompanying a driver license applicant to the road test site. Upon meeting certain additional requirements , an instructor may be certified to teach the DMV approved 5-Hour Pre - licensing Course [1] to individuals who want to obtain a driver license.  Requirements for driving schools \nA driving school must meet several requirements, which are identified in Commissioner s Regulations Part 76 PDF [2] and Section 394 of the New York State Vehicle and Traffic Law PDF [3], including an office that is open to the public , and at least 50 square feet of space dedicated to the operation of the driving school business driving school license hours of operation when the office is open to the public that states Applicant must be given a receipt for all payments a sign acceptable receipts and contracts acceptable record - keeping the driving school must have at least one certified driving instructor that has at least 1,000 hours of behind - the - wheel instruction experience. See Application for Driving School Instructor Certificate PDF [4] MV-523 for additional information. a DMV - approved classroom either at the business location or off - site , and at least one certified driving school instructor that is approved to teach the Pre - Licensing Course. all vehicles used for driving instruction or testing must be reported to DMV using a List of Driving School Vehicles PDF [5] form MV-527. Each vehicle must also be equipped with a Student Driver sign, and dual - control brake and rear - view mirrors for the instructor. all employees who are not instructors must be reported to DMV using a Personal History PDF [6] form MV-521.1. if a driving school instructor is terminated , the driving school must notify DMV using a Driving School Instructor Termination Notice PDF [7] form MV-526. the owner of the driving school must make sure that all advertisements printed, electronic or otherwise for the school comply with Section 76.21 of the Commissioner s Regulations PDF [2]. If your business is approved as a driving school , DMV may conduct periodical inspections and audits to make sure you are following these requirements. You must also follow all of the rules and regulations of the municipality in which you are operating the driving school business. ", "Requirements for driving school instructors \nA driving school instructor can only be certified when s / he is employed by a licensed driving school. A driving school instructor must meet several requirements, which are identified in Section 76.15 of the Commissioner s Regulations PDF [2], including must be at least 21 years of age has been valid for at least 2 years preceding application in the class of vehicle that the instructor intends to teach in , and has not been suspended or revoked in the last 2 years shows an acceptable driving record must have a high school or high school equivalency diploma must pass the required tests, which include a vision test road sign test written test driving school instructor driving test Driving school instructors must also complete a course in driver training and traffic safety, approved by the commissioner, consisting of at least 30 hours known as the before the first renewal of their instructor certificate. This 30-hour course is taught by various community colleges and driving schools that have been approved by DMV to provide this course. A driving school instructor who wants to teach the Pre - licensing Course must also successfully complete a 30-hour Teaching Techniques and Methodology course a college - level course and have at least one year experience as a behind - the - wheel certified driving school instructor. For additional information , contact DTP at New York State Department of Motor VehiclesBureau of Driver Training Programs6 Empire State Plaza , Room 327Albany , NY 12228 473 - 7174", "Does DMV sell driver license and vehicle information to others? \nYes. DMV makes driver license and vehicle registration information available for a fee using three methods: contract sales, pay - per - search and over - the - counter. Anyone who accesses DMV information must comply with the federal Driver s Privacy Protection Act [1] DPPA. The DPPA was enacted by Congress after a careful debate about why states should be allowed to share DMV data. The DPPA prohibits states from disclosing a driver s personal information to anyone who does not have what the DPPA considers a permissible use. The DPPA defines personal information as an individual s photograph, social security number, driver identification number, name, address, telephone number and medical information. Information on crashes, driving violations, and driver's status is not considered personal information. Social security numbers are sold.  1. Contract Sales \nIn accordance with the federal DPPA and NY State law , DMV sells registration and vehicle data through an open procurement process every two years. The successful bidders cannot use DMV information for any purposes other than those in connection with the issuance of a manufacturer s warranty, safety recall or similar notices important things that keep the public safe. The data can be used for statistical compilations and analysis, which do not contain any personal, identifying information. The DMV does not permit successful bidders to use the data for surveys, marketing, or solicitations. DMV collects approximately $2.2 million per year from contract sales. ", "2. Pay-Per-Search \nTo access DMV data for legitimate DPPA purposes DMV offers a pay - per - search service. In accordance with NY State law , anyone requesting access using this method must apply to DMV and sign an agreement identifying their permissible use under the DPPA. Upon verification and approval of their application , a search account is established for the requestor. The majority of search account holders are insurance companies, who must rate and monitor drivers, and investigate claims, and employers who are required to monitor their employees driving records. Each search costs $7 and is logged by DMV. Search account holders must have a DPPA permissible use for every search performed , and DMV monitors their compliance through an audit program. DMV collects approximately $58 million per year from pay - per - search sales.  3. Over-the-counter \nAnyone can visit a State or County DMV office to purchase a driver license record as long as the requestor provides sufficient and specific information that identifies one and only one record, and provides a DPPA permissible use. Each over - the - counter search is $10. DMV collects approximately $3.0 million per year from over - the - counter sales.  The benefits of sharing DMV information \nThe DMV information shared with bus companies, employers, insurance companies, researchers, and motor vehicle manufacturers, through each of the three sharing methods, makes our lives safer and more convenient. If this information were not made available traffic safety and commerce would be negatively impacted. A few examples of how DMV s information sharing programs benefit all of us are provided below. ", "School Bus Drivers \nSchool districts and private school bus companies are required to know about their drivers driving history before they hire them to transport children and other passengers. Access to DMV information enables school bus companies to make informed decisions about whom to hire. Once hired , DMV requires bus operators to conduct regular searches of their drivers records to confirm nothing negative happens during their employment that would impact their ability to safely continue to drive school buses.  Hazardous Materials Drivers \nThis same scenario applies to businesses transporting hazardous materials. All of us want to know the driver of a vehicle hauling dangerous materials is qualified to drive, properly trained, and possesses a valid Commercial Driver License CDL. NY State laws require hazardous material companies to only hire and employ drivers who are qualified and have valid licenses. Employers must regularly obtain their employees license records from DMV.  Insurance Companies \nWhen you are shopping for automobile insurance on - line , you expect a rate quote within minutes. Insurance companies are able to provide this convenient service because they have direct pay - per - search access to DMV information. They check your driving history to issue an immediate rate quote. If companies could not conduct these searches , insurance companies would require you to purchase your driver record and send it to them before issuing you a quote. This practice would make it more difficult for customers to shop for affordable rates, and could increase the potential for fraudulently altered or unreliable driver records. ", "Motor Vehicle Manufacturers \nPurchasing a used car does not automatically register you as an owner of that vehicle with the manufacturer. Manufacturers rely on DMV s contract sales program to find and notify current owners of vehicles affected by safety recalls. Recalls do not only jeopardize the safety of the owner / operator of the affected vehicle , they could also affect the safety of every other person sharing the road with that potentially unsafe vehicle. These are just a few examples of how DMV s information sharing programs are critical to improving public safety and making everyone s life more convenient.", "When DMV creates a LENS roster , we issue a personal user ID and password to the applicant. If your organization has more than one person who may use LENS , we will gladly issue additional user IDs. Every LENS user may, and should, have their own personal logon. Please do not share your logon or password with others.  How do I add a user? \nTo get an additional user ID , please email us at [email protected] [2] with all of the following your 5-digit LENS roster number the user s NY State Driver license / non - driver ID number 1 the user's full name the business name the user's business address the user s business telephone number the user s business email address We will then send the user ID to the user s business email address, and mail the password to the user s personal license / ID mailing address. The password is the only LENS information that we ever send to a user s personal mailing address. We will not send a password to an office address.  How do I remove a user? \nIf a LENS user leaves your organization you can remove them by completing the following steps : log on to LENS visit the LENS Main Menu and select Customer Information select User Profile Maintenance click Search to list all of your LENS users find the departing user and check the corresponding Remove box. Click Process. If a LENS user leaves your organization and you cannot log in to LENS , please email us at [email protected] [2]. Identify the user and your LENS customer number. We will disable the departed user s access to your LENS roster. ", "How do I change users? \nIf someone is taking on another user s duties , follow the instructions in the topic above for requesting additional user IDs. Do not share the former user s ID and password with the new user. We will not provide support to any person who is using another person s user ID. We may revoke shared user IDs upon discovery. Register for LENS [3 ] Log in to LENS [1 ] If the license / ID is from another state , send : state, name, address, ID number and expiration date.", "The death of a family member can be a busy and difficult time. When someone dies , they often leave outstanding issues that need to be resolved. On this page , you ll find information that will help you take care of any issues with the deceased individual s driver s license and vehicle registration and title. \n\nDriver license, permit, and ID \nIf your loved one has passed away , please mail a copy of the death certificate and a photo copy of their license or ID if you have it to the DMV. This will prevent further mailings or identity theft. DMV License Production BureauP.O. Box 2688 ESP Albany , NY 12220 - 0668 \n\nPlate surrender and registration refund \nIt may be possible to request a refund of the deceased individual s registration fee. DMV will issue the refund to the name of the estate. To request a refund surrender the vehicle plates at a DMV office and request a transfer receipt, not a refund receipt have the executor of the deceased's estate send these items to the address listed on the request for refund completed and signed Request for Refund PDF [1] MV-215, with\"deceased \" written on the form a photocopy of the death certificate the transfer receipt If the estate of the registrant is settled , call the DMV Revenue Accounting Unit at 518 - 474 - 0902 \n\nTransferring ownership of a deceased individual's vehicle \nUse this checklist to help you transfer the ownership when the vehicle owner is deceased PDF [2] MV-843. The DMV has more information on how to transfer ownership of a vehicle if someone is deceased [3].", "Overview \nThe Federal Motor Carrier Safety Administration FMCSA [1] has amended commercial driver license standards. This regulation is referred to as the' CDL Permit Rule' and mandated compliance by July 8 , 2015. The New York State DMV implemened the rules in phases, from April through July of 2015. We refer to the Commercial Learner Permit as \" CLP \", and the Commercial Driver License as \" CDL. \" The changes are listed in order of implementation by the New York State DMV.  Phase 1 - April 2015 \nCDL skills testing changes \nWhen you schedule or update a CDL Skills Test road test appointment , you will not be able to schedule an appointment within the first 14 days from the issuance of the CLP.  National suspension and revocation screening \nThe CDL Permit Rule broadens the criteria used during CLP and CDL license applications to check for open suspensions and revocations in other states. New York State will reject any application where a driver has any open suspension or revocation in any state.  Phase 2 - May 2015 \nMedical Certification changes \nThe New York State DMV will send CLP holders a notification if their medical certification status becomes \" Not Certified. \" Once we send the notification , we will cancel the CLP if the CLP holder does not re - certify within 55 days. We can send employers a notification of these status changes if they subscribe to the NY State License Event Notification Service LENS [2]. We will send passenger carriers enrolled in the 19-A system notifications of CLP cancellation events. ", "Phase 3 - June 2015 \nEndorsement and restriction changes \nNew CDL restrictions defined below by the Federal Motor Carrier Safety Administration FMCSA may affect CLP holders when taking a Skills Test in a vehicle without full airbrakes and/or a manual transmission. E - No Manual Transmission Equipped CMV L - No Airbrake Equipped CMV Z - No Full Airbrake Equipped CMV restrictions If the vehicle used for your skills test has : An automatic transmission , and this is your first road test in a commercial motor vehicle CMV , you will be given an E restriction. No form of airbrakes , and this is your first road test in a CMV , you will be given an L restriction. If you have a CDL with an L restriction and you test in a vehicle with air over hydraulic brakes , you will be upgraded from an L to a Z restriction. Also , please note that : CLPs will no longer be issued with the Double / Triple Trailer T endorsement. The T endorsement can be issued only to a driver holding a CDL. CLPs issued with a Passenger P or School Bus S endorsement will automatically get a new federally mandated \" No Passengers in CMV Bus \" P restriction. CLPs issued with a Tank Vehicles N endorsement will automatically get a federally mandated \" No Cargo in CMV Tank Vehicle \" X restriction. The P and X restrictions are issued for the CLP only. The CDL that is issued after all required tests have been passed will not have the P or X restrictions. The CDL Permit Rule added 5 new restrictions, which required New York State to change the letter assigned to existing restrictions. These restriction changes go into effect June 4 , 2015. We will send drivers a new CLP and/or CDL document with these changes printed on them after their next CLP or CDL application. ", "Application requirement changes \n1) All CLP and CDL transactions, with the exception of replacements (duplicates) will require proof of legal presence in the United States. Drivers who can prove U.S. citizenship or lawful permanent residency will only need to provide this proof on the on or after June 18 , 2015. A record of this verification will be retained on the driver s record. Drivers with temporary visitor status will need to provide proof of legal presence in the U.S. with. Important : Because the federal regulations require submission of additional proofs in person , drivers cannot renew their CLP and/or CDL by mail. CLP and CDL documents for drivers who are U.S. citizens or lawful permanent residents i.e., temporary visitors will have the legend NON - DOMICILED printed on documents issued on or after June 18 , 2015. The legend TEMPORARY VISITOR and the expiration date of their legal status documentation will continue to be displayed on the CLP and/or CDL document. 2) For all CLP and CDL transactions, with the exception of replacements, we will require proof of New York State residence. Proof of residence is required every time for all drivers. The DMV Document Guide [3] lists all acceptable legal presence and New York State residence proof documents. PLEASE NOTE : You must provide us the original documents not photocopies for both requirements above.  Commercial document changes \nThe following federally mandated changes will be made to commercial documents CL documents will have the warning \" VALID ONLY WHEN ACCOMPANIED BY A NYS LICENSE printed on them interim non - photo licenses and permits will only be valid for 60 days from the date they are issued ", "Phase 4 - July 2015 \nSuspensions and revocations (sanctions) \nNew York State is now required to apply federally mandated commercial suspensions and revocations to CLP holders. Federally mandated commercial suspensions and revocations that affect a driver's commercial privilege will now run consecutive one to follow the other with any other open commercial suspension or revocation on record.  New revocations \nNew federally mandated one year commercial revocations will be issued for drivers that are found guilty, or convicted of, falsifying, misrepresenting, or fraud in connection with an application for a CLP / CDL self - certification driving type Medical Examiner's Certificate  Commercial document changes \nThe following federally mandated changes will be made to commercial documents CLPs will be valid for only 180 days with one renewal for an additional 180 days, after which the holder will have to apply for a new CLP, including retaking any required knowledge tests New York State will void and return an applicant s current CLP or CDL document when issuing a new CLP / CDL document  Employer responsibilities expanded to CLP \nSection 140 of the New York State Transportation Law is amended to provide that no employer will allow an employee to operate a commercial motor vehicle during any period in which the operator does not have a valid CLP or CDL does not have a CLP or CDL with the proper class or endorsement violates any restriction on the CLP or CDL has a suspended, revoked, or disqualified CLP or CDL has more than one CLP or CDL ", "Reference \nCDL Permit Rule \nYou can find the 'CDL Permit Rule' in its entirety in 49 CFR Parts 383, 384, and 385 and as posted on the Federal Register (Vol. 76, No. 89 / Monday, May 9, 2011 / Rules and Regulations).  Other resources \nDMV License Event Notification Service LENS [2 ] New York State Vehicle and Traffic Law [4] go to Laws of New York and scroll down to VAT Federal Motor Carrier Safety Administration FMCSA [1 ]", "Report a problem with a DMV regulated automotive business[1] \nWhat is a DMV regulated automotive business? \nThe DMV regulates all repair shops, inspection stations, dealers, junk and salvage vendors, and other automotive related businesses in New York State.  How do I place a complaint against a DMV regulated automotive business? \nFirst , attempt to resolve the issue with the management of the business. Keep a written record of all contacts with management in addition to details about the inspection, repair, or sale. Copies of work orders and invoices are proof of your attempts to resolve the problem. If a satisfactory resolution is not reached and you wish to file a complaint , you must submit a Vehicle Safety Complaint Report PDF [2] VS-35 along with any supporting documents to the DMV Consumer & Facilities Services Complaint Unit. To submit electronically , download the complaint report available at the link above to your personal device. Attach and then email the completed report as well as any supporting documents to [email protected] [3]. Please note that DMV staff will communicate with you through email. Complaint UnitBureau of Consumer & Facility ServicesDepartment of Motor VehiclesP.O. Box 2700-ESP , Albany , NY 12220 - 0700FAX : 518 486 - 4102Phone : 1 - 518 - 474 - 8943 between 8:30 a.m. and 4:15 p.m., Monday - Friday Email : [ email protected] [3 ] IMPORTANT : DMV staff will not investigate a complaint until a completed VS-35 Complaint Report has been received. The department does not investigate complaints that have been filed anonymously. There is a 90-day limit on reporting incidents related to a NYS Repair Shop. We cannot accept complaints against Repair Shops beyond the 90-day limit or 3,000 miles whichever comes first. The DMV cannot resolve disputes over the terms of manufacturer or third party warranties or guarantees. If you feel you have a NYS Lemon Law complaint , please see Lemon Law Complaints [4].Once your complaint has been filed , a Consumer Services Representative CSR from DMV will be assigned to handle your complaint. If the CSR is unable to resolve your complaint , the case will be sent to an Automotive Facilities Inspector for a formal investigation and possibly a hearing. 3Depending on the complaint , this process could take several weeks to several months to resolve. Other related automotive businesses include vehicle dismantlers, salvage pools, mobile car crushers and itinerant vehicle collectors. We cannot take action against a facility unless we can find adequate evidence to substantiate the claim. Additionally , if the facility does not have a current registration , there are limitations on any fines and penalties that may be recovered. For additional information on the investigation and hearing process , please see our What to Expect if You File a Complaint Against a DMV Regulated Business [5]. If you have questions regarding a complaint you placed or the complaint process in general , contact the DMV Complaint Unit at 1 - 518 - 474 - 8943. Office hours are Monday - Friday , 8:15am - 4:15pm. ", "Topic: \nContact Us [6 ]", "What are personalized plates? \nPersonalized plates are standard series plates that have a combination of numbers and letters that you select, for an additional fee in addition to your regular vehicle registration fee.  How much do personalized plates cost? \nPassenger and Commercial Plates : Initial Cost = $60.00Annual Fee = $31.25 Motorcycle Plates : Initial Cost = $35.00Annual Fee = $18.75  Can I use personalized plates on any type of vehicle? \nYou can use personalized plates on passenger vehicles, commercial vehicles, motorcycles and trailers.  What can I use for a personalized plate combination? \nYour requested plate combination is subject to review. The DMV is not required to issue your requested plate. The maximum number of characters you can use depends on the plate type you are registering. 2 You can have up to eight characters on a standard series plate six characters on a personalized plate for a motorcycle six characters on a picture plate the state image is available on some personalized plates and counts as a character. See the example [1]. Check if the personalized plate combination you want is available. [2]  What plate combinations are restricted? \nPersonalized plates that give the appearance of an official plate or the configuration of special registration classes. Combinations that are considered obscene, derogatory or offensive. Combinations that do not have one letter. Combinations that consist of six numbers followed by one letter. Use of the letter \" O \" between two numbers to make what appears to be a number. Use of the letter \" I \" as the first or last characters on a plate when the other characters are all numbers. Use of the number zero 0 between two letters to form a word. Use of the number zero 0 and the letter \" O \" to form a word or number. Read the DMV regulations for restrictions on personalized plate combinations [3]. ", "Can picture plates be personalized? \nYes. Some picture plates can be personalized for an additional fee in addition to your picture plate and regular registration fee. For personalized plate availability and pricing for the picture plate you are interested in , you can browse our collection of picture plates online. The categories are : I Love NY Adventure [4 ] Sports [5 ] Military and Veterans [6 ] Counties and Regions of NY State [7 ] Colleges , Fraternities , Sororities [8 ] Causes [9 ] Professions [10 ] Organizations [11 ] Motorcycle Plates [12 ] The annual fee is in addition to your vehicle registration renewal fee and will be paid when you renew your registration. A registration renewal for two years will include two annual fees. A character is a letter A - Z, number 0 - 9 or space. Each space counts as one character. For example , a combination that includes \" POLICE \" or \" NYS \" is not allowed. For example , \" 2O3 \", \" 2OO3 \", or \" JAN2OO3 \" are not allowed. For example , \" I45678 \" or \" 45678I \" are not allowed. For example , \" P00L \" and \" P0LE \" are not allowed. For example , \" PO0L \" or \" 2O03 \" are not allowed.", "A non - exempt diesel - powered motor vehicle may be subject to either the OBDII emissions inspection or the diesel emissions inspection. Additional information about these inspections may be found on the table below.  Emissions Inspections for Diesel-powered Vehicles \nVehicles subject to diesel emissions inspection \nAll non - exempt diesel - powered vehicles registered in the NYMA or Diesel Emissions Metropolitan Area DEMA some registrations may or may not show they are within DEMA, with a maximum gross weight MGW, as indicated on the vehicle registration certificate, over 8,500 pounds, must get an annual diesel emissions inspection. The diesel emissions inspection must occur at the same time as the annual safety inspection. The DEMA includes the five boroughs of New York City, and Nassau County, Suffolk County, Rockland County, and Westchester County. The model year does not exempt a vehicle from the inspection. Read section 79.2 of the inspection regulations to get information about vehicles that are exempt. All diesel - powered vehicles registered outside of the Diesel Emissions Metropolitan Area DEMA, with a maximum gross weight MGW over 8,500 pounds, do not require an annual diesel emissions inspection, but may be subject to a random roadside diesel emissions inspection. All model year 1997 or newer non - exempt diesel - powered vehicles, registered anywhere in New York State, with a gross vehicle weight rating GVWR less than 8,501 pounds, must get an annual OBDII emissions inspection, and are not subject to the diesel emissions inspection. All model year 1996 or older diesel - powered vehicles, registered anywhere in New York State, with a gross vehicle weight rating GVWR less than 8,501 pounds, are not subject to the OBDII emissions inspection, the low - enhanced emissions inspection, or the diesel emissions inspection. ", "Diesel Opacity Emissions \nThe Diesel Opacity Emissions inspection is not required in other areas of NY State, or for vehicles register out - of - state. However , the NY State Department of Environmental Conservation, the NY State Department of Transportation, or the NY State Police can test any diesel - powered vehicle that has a MGW of more than 8,500 lbs. at any roadside inspection site that is located on any New York State highway. If a vehicle fails the roadside inspection , a traffic ticket can be issued.  Temporary Certificate of Emissions Waiver (VS-1078) \nWhen an existing diesel emissions inspection certificate expires while the vehicle is outside the DEMA , that resident may apply to the Department of Motor Vehicles for a' Temporary Certificate Emissions Waiver' VS-1078. Temporary Certificate Emissions Waiver is only available at DMV Issuing Offices. The temporary emissions waiver certificate when displayed on the vehicle along with a valid New York Safety Inspection Certificate will allow the vehicle to be operated while the vehicle is outside the DEMA. The Temporary Certificate of Emissions Waiver will be valid for ten 10 days from the date that the vehicle returns to the NYMA. Read regulation 79.1 of the NY State DMV Motor Vehicle Inspection Regulations pdf [1] CR-79.  When and where does the diesel emissions inspection occur? \nThe diesel emissions inspection occurs at the time of the annual safety inspection and is conducted at a diesel emissions inspection station. ", "Non-diesel emissions iInspection station in the New York Metropolitan Area (NYMA) \nThe station can conduct other inspections but cannot inspect vehicles that are subject to the diesel emissions inspection.  Fee \nYou can refer to Inspection Groups and Fee Chart pdf [2] VS-77 for this information.  Become a diesel emissions inspection station \nThe inspection station must purchase a DMV - approved smokemeter find a vendor. A station can conduct an emissions inspection on a diesel - powered vehicle if the station is licensed to conduct a safety inspection for that specific type of vehicle. To prove that an approved smokemeter was purchased , the station must send a photocopy of the invoice to this address NYS DMV Bureau of Consumer & Facility Services Application Unit P.O. Box 2700 Albany , NY 12220 - 0700 If you have questions , call 1 - 518 - 474 - 0919. 1. gross vehicle weight rating 2. maximum gross weight NYMA - New York Metropolitan Area", "What is \"Leandra's Law\"? \nLeandra's Law was signed into law on November 18 , 2009 in honor of Leandra Rosado. Leandra was an 11-year old killed while she rode in a vehicle with the intoxicated mother of one of her friends. In response to this tragedy , the NY State Legislature made several changes to the Vehicle and Traffic Law VTL. The law strengthened the penalties against motorists who drink and drive, and requires that any person sentenced for Driving While Intoxicated on or after August 15 , 2010 must have an ignition interlock device installed on any vehicle they own or operate the driver will have an \" ignition interlock \" restriction added to their driver license See additional information about Leandra's Law at the NY State Governor's Traffic Safety Committee Alcohol, Drugs and Impaired Driving [1] page.  What are the different parts of Leandra's Law and what are the penalties for conviction? \nLeandra's Law includes the following provisions : The law established a new Class E Felony. The law states that no person shall operate a motor vehicle under the influence of alcohol or drugs while a child who is 15 years of age or younger is a passenger in the vehicle. A court must sentence a person convicted of either to a period of probation or to a conditional discharge. The court must require the installation and use of an ignition interlock device in any motor vehicle owned or operated by a person convicted under this law. The ignition interlock device must remain in the vehicle for at least 12 months, unless otherwise permitted by the court. A court that sentences a person for a conviction on or after August 15 , 2010 must impose a conditional discharge or probation , and a condition of the sentence must be the installation and use of an ignition interlock device in any motor vehicle the person owns or operates. The ignition interlock device must remain in the vehicle for at least 12 months, unless otherwise permitted by the court. ", "What is an \"ignition interlock device\"? \nAn ignition interlock device connects to a motor vehicle ignition system and measures the alcohol content in the breath of the operator. The device prevents the vehicle from being started until the motorist provides an acceptable breath sample. If ignition interlock is ordered by a court , the system must be installed on each vehicle the motorist owns or operates. The device must remain installed for at least six months. The ignition interlock restriction will be added to the driver license record even if the license is revoked. The restriction will appear on the back of the driver license document as \" interlock device \". Courts and probation departments will direct convicted motorists to vendors for ignition interlock installation. The NY State Division of Criminal Justice Services [2] website provides details on ignition interlock device vendors and information from the manufacturers of the device.  How do I remove the ignition interlock restriction from my driver license? \nYour ignition interlock monitor must give you a form that states that you are no longer required to install and maintain the ignition interlock device in motor vehicles you own or operate. You must take this form to a local DMV office and apply for a new document without the restriction."], "studentaid": ["What is Income-Driven Repayment? \nIncome - driven repayment IDR plans are designed to make your student loan debt more manageable by reducing your monthly payment amount. If you need to make lower monthly payments or if your outstanding federal student loan debt represents a significant portion of your annual income , one of the following income - driven plans may be right for you : As You Earn Repayment Plan REPAYE Revised Pay Pay As You Earn Repayment Plan PAYE Income - Based Repayment Plan IBR Income - Contingent Repayment Plan ICR Plan  Who should complete this? \nBorrowers not currently on an IDR Plan who are seeking a lower monthly payment on their federal student loans and Borrowers currently on an IDR Plan who need to re - certify or make changes to their repayment plan.  How many IDR applications do I need? \nHow long will it take? \nThe entire Income - Driven Repayment process must be completed in a single session. Most people complete the process in 10 minutes or less.  What do I need? \nVerified FSA ID  New Applicants \nI am not currently on an income-driven plan and I want to apply \nYou can apply for an income - driven repayment plan that limits your payments to a percentage of your income. LOG IN TO START  Returning IDR Applicants \nSubmit annual re-certification of my income \nTo re - certify for your existing income - driven repayment plan you must provide updated information about your income and family size annually. LOG IN TO START ", "Recalculate my monthly payment \nIf your income or family size has changed you can request that your income - driven payment be re - calculated to reduce your current monthly payment. LOG IN TO START  Switch my current plan to a new plan \nIf you are currently enrolled in an income - driven repayment plan and would like to switch to another income - driven repayment plan. LOG IN TO START Preview a read - only version of the complete form", "Preparing for College \nStart preparing for college by defining your goals and interests, understanding college costs, and planning financially and academically. Getting Ready for College It s Easier Than You Think Check Out Reasons to Attend a College or Career School Exploring Your Career Options Checklists to Help You Get Ready Financially and Academically Choosing a School Learning About Budgeting Resources for Parents of Students  Getting Ready for College It s Easier Than You Think \nshare link Thinking about college, career school, or graduate school? There s so much to consider when it comes to getting ready for college: where to go, what to study, how to apply, how to pay for it all, and more. It s never too early or too late to explore your options for college or career school. We ll walk through some key steps in preparing for college and provide resources that can help you along the way. You ll have to take the time to research and understand your options , but you don t have to do it alone. We re here to help students make informed decisions and find out what they need to do!  Resource \nCollege Preparation Checklist  Check Out Reasons to Attend a College or Career School \nshare link Here s a simple equation: a college or career school education = more money, more job options, and more freedom. As you ll see from the chart below, as you get more education , you make more money. View accessible version of Why Go to College or Career School infographic A college education is a long - term investment. With careful planning , you can find the school and funding options that work best for your situation and put you on the path to success. ", "Exploring Your Career Options \nshare link A college or career school education can give you the skills needed to pursue a career that really interests you. Love working with animals? Or how about computers? Find possible careers to match your interests.  Checklists to Help You Get Ready Financially and Academically \nshare link Whether you re in high school now, in elementary or middle school, out of school, or perhaps never finished school , there are a number of steps you can take to get college ready. Our checklists will walk you through the steps you can take to find and get into the college or career school that s right for you and help you learn how to prepare financially. Review our checklists now!  Choosing a School \nshare link You have a variety of college options, from two - year community and junior colleges, to four - year colleges and universities, to technical, vocational, and trade schools. Get tips on things to consider when you re choosing a school, and use our free college search tool to find a school that matches your interests, career goals, and financial situation.  Learning About Budgeting \nshare link Learn what a budget is and how it can help you stay on track with your goals during and after college.  Resources for Parents of Students \nAre you a parent planning ahead for your child s higher education? Review our resources for parents to learn more about saving early, finding tax breaks, and understanding parent loans to help support your child s college journey.", "Do you have unanswered questions about the Free Application for Federal Student Aid (FAFSA) process? \nGet in - depth information about the FAFSA form and what to expect after you submit your application. Find answers to common questions that FAFSA filers may have.  Trending Topics \nWhich school year should I select if I am applying for a summer session? What do I do if I forgot my FSA ID username and password? What are the deadlines for filling out the FAFSA form? How do I correct my FAFSA form? What income and tax information do I report on the 2020 21 FAFSA form?  On this Page \nParents Getting Started How do I...? FSA ID After the FAFSA Form: Next Steps Contact Us  Parents \nHelp for your parents if they will be working on your FAFSA form. What if my parents have more than one child in college at the same time? Can my parent and I share the same FSA ID? Will I need my parent s information? How can my parent fill out the FAFSA form if he or she can t use my FSA ID?  Getting Started \nHelp with the FAFSA process before you begin. Am I eligible to receive financial aid? What are the deadlines for filling out the FAFSA form? What is the FAFSA form? What will I need to fill out the FAFSA form?  How Do I...? \nHelp with the most common questions about the FAFSA process. How do I correct my FAFSA form? How do I use the IRS Data Retrieval Tool? How do I view my Student Aid Report? How do I sign my FAFSA form? ", "FSA ID \nHelp using the FSA ID a username and password you use on Federal Student Aid websites. What is an FSA ID and will I need it to complete the FAFSA form? What if I forgot my FSA ID username and password? I received an error that my name, date of birth, and Social Security number listed on my FAFSA form do not match my FSA ID. What does that mean? How do I unlock my FSA ID?  After the FAFSA Form: Next Steps \nHelp with what happens after you submit your FAFSA form. I submitted my FAFSA form. What happens next? How do I check the status of my FAFSA form? When can I expect to hear from my colleges about my financial aid package?  Didn't find what you're looking for?", "Student loan deferment allows you to temporarily stop making payments. \nFind out if a deferment is the best option for your situation. With deferment , you won t have to make a payment. However , you probably won t be making any progress toward forgiveness or paying back your loan. As an alternative , consider income - driven repayment.  Get Relief With Lower Payments on an Income-Driven Repayment Plan \nIf you re having trouble repaying your loans due to circumstances that may continue for an extended period, or if you re unsure when you ll be able to afford to make your monthly loan payments again , a better option might be to consider changing to an income - driven repayment plan. Income - driven repayment plans base your monthly payments on your income and family size. In some cases , your payment could be as low as $0 per month. Income - driven plans can also provide loan forgiveness if your loan isn t paid in full after 20 or 25 years. Always contact your student loan servicer immediately if you re having trouble making your student loan payments. If you re seeking Public Service Loan Forgiveness PSLF or income - driven repayment forgiveness , in most cases deferment will not allow you to make progress toward forgiveness.  Be Aware That Interest Might Accrue During Deferment \nIf you re granted a deferment , you might still be responsible for paying the interest that accrues during the deferment period. The table below shows when you are responsible for paying the interest and when you are not responsible based on loan type. When you are responsible for paying the interest on your loans during a deferment , you can either pay the interest as it accrues , or you can allow it to accrue and be capitalized added to your loan principal balance at the end of the deferment period. If you don t pay the interest on your loan and allow it to be capitalized , the total amount you repay over the life of your loan may be higher. Unpaid interest is capitalized only on Direct Loans and FFEL Program loans. Unpaid interest is never capitalized on Perkins Loans. ", "Request a Deferment \nMost deferments are not automatic you need to submit a request to your student loan servicer, often on a form. Also , for most deferments , you must provide your student loan servicer with documentation to show that you meet the eligibility requirements for the deferment. Learn more about requirements and how to access request forms.  Understand Eligibility for a Deferment \nThere are a variety of circumstances that may qualify you for a deferment on your federal student loan.  Cancer Treatment Deferment \nYou may qualify for this deferment while you are undergoing cancer treatment and for the six - month period after your treatment ends. Complete the Cancer Treatment Deferment Request.  Economic Hardship Deferment \nYou may qualify for this deferment if you are receiving a means - tested benefit, like welfare e.g., Temporary Assistance for Needy Families TANF ; work full - time but have earnings that are below 150% of the poverty guideline for your family size and state of residence ; or are serving in the Peace Corps. You can only receive this deferment for up to three years. Complete the Economic Hardship Deferment Request.  Graduate Fellowship Deferment \nYou may qualify for this deferment if you are enrolled in an approved graduate fellowship program. A graduate fellowship program is generally a program that provides financial support to graduate students to pursue graduate studies and research. Most graduate fellowship programs are for doctoral students , but some are available to master s degree students. Complete the Graduate Fellowship Deferment Request. ", "In-School Deferment \nYou are eligible for this deferment if you re enrolled at least half - time at an eligible college or career school. If you re a graduate or professional student who received a Direct PLUS Loan , you qualify for an additional six months of deferment after you cease to be enrolled at least half - time. Important! If you are enrolled in an eligible college or career school at least half - time , in most cases your loan will be placed into a deferment automatically based on enrollment information reported by your school , and your loan servicer will notify you that the deferment has been granted. If you enroll at least half - time but do not automatically receive a deferment , you should contact the school where you are enrolled. Your school will then report information about your enrollment status so that your loan can be placed into deferment. Complete the In - School Deferment Request. Note: In - school deferment is generally automatic , so in most cases it isn t necessary to complete the In - School Deferment Request. However , if you re enrolled at least half - time but do not automatically receive a deferment , you can either ask your school to report your enrollment information, as explained above, or complete the In - School Deferment Request.  Military Service and Post-Active Duty Student Deferment \nYou may be eligible for this deferment if you are on active duty military service in connection with a war, military operation, or national emergency ; or you ve completed qualifying active duty service and any applicable grace period. This deferment ends when you resume enrollment in an eligible college or career school on at least a half - time basis or 13 months following the completion date of active duty service and any applicable grace period, whichever is earlier. Complete the Military Service and Post - Active Duty Student Deferment Request. ", "Parent PLUS Borrower Deferment \nYou may qualify for this deferment if you re a parent who received a Direct PLUS Loan to help pay for your child s education , and the student you took the loan out for is enrolled at least half - time at an eligible college or career school. You can also receive a deferment for an additional six months after the student ceases to be enrolled at least half - time. Complete the Parent PLUS Borrower Deferment Request. Note: As an alternative to completing the Parent PLUS Borrower Deferment Request , if the school your child is attending requires you to complete a Direct PLUS Loan Request , you can request this deferment when you submit the Direct PLUS Loan Request. Check with your child s school.  Rehabilitation Training Deferment \nYou may qualify for this deferment if you re enrolled in an approved rehabilitation training program that is designed to provide vocational, drug abuse, mental health, or alcohol abuse rehabilitation treatment. Complete the Rehabilitation Training Deferment Request.  Unemployment Deferment \nYou may be eligible for this deferment if you receive unemployment benefits or you are seeking and unable to find full - time employment. You can receive this deferment for up to three years. Complete the Unemployment Deferment Request. If you received federal student loans before July 1 , 1993 , you might be eligible for additional deferments. For more information about these deferments , contact your loan servicer. ", "Loan Types Eligible for Deferment \nAll the deferments are available to Direct Loan, FFEL Program loan, and Perkins Loan borrowers. If you received a Perkins Loan , you may also be eligible for a deferment while you are working toward cancellation on your Perkins Loan. Get contact information regarding your Perkins Loan. In most cases , Perkins Loan recipients who receive a deferment will receive a six - month post - deferment grace period that begins on the date they no longer meet the deferment eligibility requirements. No payments are required during the post - deferment grace period. You MUST continue making payments on your student loan until you have been notified that your request for deferment has been granted. If you stop paying and your deferment is not approved , your loan will become delinquent and you may go into default.", "College and career school costs can vary significantly from school to school. \nLearn about college costs and get tips on how to lower costs when you go to school. The cost of college can include a variety of items including some you might not expect. By understanding college costs , you can compare schools and explore options for how to lower your costs.  What is included in the cost of college? \nCollege costs include more than tuition and room and board. Here are common costs : Make sure colleges and career schools give you a clear statement of their tuition and fees.  How can I lower the cost of college? \nHere are some suggestions on how you might be able to lower the cost of college. For many of these suggestions , you ll want to follow up with the colleges or career schools you are interested in to get additional details. Set a budget and stick to it! Having a budget will help you compare anticipated college or career school expenses against your potential available income and financial aid. You also can use a budget to compare costs between different schools. Learn about budgeting. College or career school costs can vary significantly and there are many schools with affordable tuition and generous financial assistance. Make sure to research all schools that may meet your academic and financial needs. To find colleges or career schools , use our college search tool, College Navigator. You may be able to get school credit based on your knowledge or life experiences , and you can manage your course work to reduce costs. Ask your school whether it s possible to test out of any classes. If you don t take a class , you may not have to pay for the credits. Some colleges give credit for life experiences, thereby reducing the number of credits needed for graduation. Most schools charge a set price for a specific number of credits taken in a semester. If academically possible , take the maximum number of credits allowed. This strategy reduces the amount of time needed to graduate. Some schools offer combined degree programs or three - year programs that allow you to take all of the courses needed for graduation in three years, instead of four, thereby eliminating one year's educational expenses. Colleges and career schools may offer discounts on tuition if you are a child of an alumnus or alumna i.e., if your parent went to the school ; more than one family member is enrolled at the school ; you are a student government leader or the editor of the college newspaper or yearbook ; you are an older student ; your family s main wage earner is unemployed ; or you or a member of your family works at the school. Housing costs can add up. Here are some tips for reducing your housing costs : If you go to a college or career school near home , consider living with your parents or other family. If you live off - campus , consider sharing a house or apartment with multiple housemates to cut down the cost of rent, and carpool to save on gas and parking. Most colleges and universities sponsor resident advisor programs that offer reduced tuition or reduced room and board costs if you work in a residence hall. You may be eligible for health care benefits including the following : Most young adults can stay on their parents family plan until they turn 26, even if they are married or still living with their parents. If you have been uninsured because of a pre - existing condition , you may be eligible to join the Pre - Existing Condition Insurance Plan. If you are in a new insurance plan , insurance companies cannot charge you a deductible or copays for recommended or preventive services such as flu shots or other immunizations. You can work part - time to pay part of your costs. Be sure your work and school schedules don t conflict and that you have enough time for studying. Here are a couple of options : The Federal Work - Study Program provides an opportunity to earn money while going to school. Ask schools if they participate in the program. Cooperative education programs allow students to alternate between working full - time and studying full - time. Most schools have placement offices that help students find employment and personnel offices that hire students to work on campus. Taking small steps can add up. For example , you can lower the cost of textbooks if you buy used books or rent textbooks if you won t need the books once you finish the class. A credit card can help you build a credit history, if you use it wisely. But use it for emergencies only and don t spend more than you can afford to pay. If you decide to get a credit card , make sure you understand the terms. ", "How can I compare the costs of colleges? \nYou can find information about whether the cost of a college is low, medium, or high by using the College Scorecard. Keep in mind that a higher - priced school might have more financial aid available to help you pay for your education, so take a look at the school s net price if you want an idea of how much it might cost you after financial aid is taken into account.", "Direct PLUS Loans are federal loans that parents of dependent undergraduate students can use to help pay for college or career school. \nPLUS loans can help pay for education expenses not covered by other financial aid. The U.S. Department of Education makes Direct PLUS Loans to eligible parents through schools participating in the Direct Loan Program. We also offer PLUS loans for graduate or professional students. A Direct PLUS Loan is commonly referred to as a parent PLUS loan when made to a parent borrower. Looking to apply? Use the online application to apply for a parent PLUS loan. Important: Most schools require you to submit the PLUS loan application online, although some schools have different application processes. Note: Before you apply for a PLUS loan , make sure your child has already filled out the Free Application for Federal Student Aid FAFSA form.  Am I eligible for a parent PLUS loan? \nTo receive a parent PLUS loan , you must be the biological or adoptive parent or in some cases, the stepparent of a dependent undergraduate student enrolled at least half - time at an eligible school ; not have an adverse credit history unless you meet certain additional requirements ; and meet the general eligibility requirements for federal student aid. Your child must also meet these requirements. Note: Grandparents unless they have legally adopted the dependent student and legal guardians are not eligible to receive parent PLUS loans, even if they have had primary responsibility for raising the student. Try This Resource Federal Student Loans : Direct PLUS Loan Basics for Parents Provides parents with information on Direct PLUS Loans for parents. Includes an overview of eligibility, the application process, and repayment. ", "What is the current interest rate? \nFor Direct PLUS Loans first disbursed on or after July 1 , 2019, and before July 1 , 2020 , the interest rate is 7.08 %. This is a fixed interest rate for the life of the loan.  How much can I borrow? \nThe maximum PLUS loan amount you can borrow is the cost of attendance at the school your child will attend minus any other financial assistance your child receives. The cost of attendance is determined by the school.  Do I have to make payments on my loan while my child is still in school? \nIf you request a deferment , you will not need to make payments while your child is enrolled at least half - time and for an additional six months after your child graduates, leaves school, or drops below half - time enrollment. If the school your child is attending requires you to submit your request for a parent PLUS loan at StudentAid.gov , you ll have the option of requesting a deferment as part of the loan request process. You can also contact your loan servicer to request a deferment. If you do not request a deferment , you will be expected to begin making payments after the loan is fully disbursed paid out. During any period when you re not required to make payments , interest will accrue on your loan. You may choose to pay the accrued interest or allow the interest to be capitalized added to your loan principal balance when you have to start making payments. Your loan servicer will notify you when your first payment is due. ", "Can I still receive a parent PLUS loan if I have an adverse credit history? \nA credit check will be performed during the application process. If you have an adverse credit history , you may still receive a parent PLUS loan through one of these two options : Obtaining an endorser who does not have an adverse credit history. An endorser is someone who agrees to repay the parent PLUS loan if you do not repay it. The endorser cannot be the child on whose behalf you are borrowing. Documenting to the satisfaction of the U.S. Department of Education that there are extenuating circumstances relating to your adverse credit history. With either option 1 or option 2 , you also must complete credit counseling for parent PLUS loan borrowers. Try This Resource Direct PLUS Loans and Adverse Credit Answers common questions about how an adverse credit history affects Direct PLUS Loan eligibility. If you are unable to obtain a parent PLUS loan , your child may be eligible for additional unsubsidized loans. Your child should contact the school s financial aid office for more information.  How do I apply for a parent PLUS loan? \nGo to the online Direct PLUS Loan Application for Parents. Important: Most schools require you to apply for a Direct PLUS Loan online , but some schools have different application processes. This site has a list of schools that participate in the Direct Loan Program. When you select your child s school from the list , the site will tell you if the school has a different application process. In that case , check with the school s financial aid office to find out how to request a parent PLUS loan. Note: Before applying for a parent PLUS loan , make sure your child has filled out the FAFSA form. ", "What additional steps must I take to receive my loan? \nIf you are eligible for a parent PLUS loan , you will be required to sign a Direct PLUS Loan Master Promissory Note MPN, agreeing to the terms of the loan. Contact the financial aid office at the school your child is planning to attend for details regarding the process at that school. If you re taking out parent PLUS loans for more than one child , you ll need to sign separate Direct PLUS Loan MPNs for the loans you receive for each child.  Other than interest, is there a charge for this loan? \nYes , there is a loan fee on all Direct PLUS Loans. The loan fee is a percentage of the loan amount and is proportionately deducted from each loan disbursement. The percentage varies depending on when the loan is first disbursed, as shown in the chart below. Loans first disbursed before Oct. 1 , 2018, have different loan fees.  How will I receive my loan? \nThe school will first apply parent PLUS loan funds to the student s school account to pay for tuition, fees, room and board, and other school charges. If any loan funds remain , your child s school will give them to you to help pay other education expenses for the student. With your authorization , the school can pay the remaining loan funds directly to the student. Get more information about receiving aid. ", "What happens after I receive my loan? \nAfter you receive your parent PLUS loan , you will be contacted by your loan servicer you will repay your loan to the loan servicer. Your loan servicer will provide regular updates on the status of your parent PLUS loan.  What types of loan repayment plans are available? \nParent PLUS borrowers are eligible for the following repayment plans : Standard Repayment Plan Graduated Repayment Plan Extended Repayment Plan Note : Parent borrowers can become eligible for an additional repayment plan the Income - Contingent Repayment Plan by consolidating their parent PLUS loans into a Direct Consolidation Loan. Use Loan Simulator to get an early estimate of what your monthly payment amount would be under the plans for which you re eligible.  What if I have trouble repaying my loan? \nIf you are unable to make your scheduled loan payments , contact your loan servicer immediately. Your servicer can help you understand your options for keeping your loan in good standing. For example , you may wish to change your repayment plan to lower your monthly payment or request a deferment or forbearance that allows you to temporarily stop or lower the payments on your loan. Learn more about deferment and forbearance options.  As a parent PLUS loan borrower, can I transfer responsibility for repaying the loan to my child? \nNo , a Direct PLUS Loan made to a parent cannot be transferred to the child. You, the parent borrower, are legally responsible for repaying the loan. ", "Can I cancel the loan if I decide that I don t need it or if I need less than the amount offered? \nYes. Before your loan money is disbursed , you may cancel all or part of your loan at any time by notifying your child s school. After your loan is disbursed , you may cancel all or part of the loan within certain time frames. Your promissory note and additional information you ll receive from the school will explain the procedures and time frames for canceling your loan.  Can my loan ever be forgiven (canceled) or discharged? \nUnder certain conditions , you may be eligible to have all or part of your loan forgiven canceled or discharged. Find out about loan forgiveness, cancellation, and discharge. If you are seeking Public Service Loan Forgiveness , you will need to repay your loans under an income - driven repayment plan. The Income - Contingent Repayment Plan is the only income - driven repayment plan available to parent PLUS borrowers, and to repay your parent PLUS loans under the Income - Contingent Repayment Plan , you must first consolidate the loans into a Direct Consolidation Loan.  Where can I find information about the parent PLUS loans I ve received? \nVisit My Aid to view information about all of the federal student loans and other financial aid you have received and to get contact information for your loan servicer.", "Feedback Center \nYour feedback is important to us. You can submit a complaint an issue, concern, suspicious activity, or scam, give us positive feedback, or review an already submitted case. If you previously submitted a complaint and Federal Student Aid gave you a response you don't agree with , or you believe is incorrect , follow our procedure for resolving disputes. We encourage you to do this before you contact the Federal Student Aid Ombudsman Group. The Ombudsman Group is a neutral, informal, and confidential resource to help resolve disputes about your federal student aid. \n\nSubmit a Complaint \nSubmit a complaint or report a suspicious activity or scam, on behalf of yourself or someone else. Submit Complaint \n\nShare Positive Feedback \nShare positive feedback about your financial aid experience. Share Positive Feedback \n\nManage My Cases \nLog in to your account to view, track, or update your case. Manage Cases \n\nHow can we help you? \n\n\nSPEAK TO AN AGENT \nCall for help with submitting your feedback , or to ask questions. \n\nPOPULAR TOPICS", "IT Standards Library \nWelcome to the Federal Student Aid Chief Information Officer's Information Technology IT Standards Library. Federal Student Aid and its contractors must comply with IT standards and guidelines applicable to all federal agencies. They must also comply with the policies and procedures specific to the U.S. Department of Education and Federal Student Aid. The IT Standards Library offers pertinent references for those who do or would like to do business with Federal Student Aid. Documents selected for the library , however , may not encompass all of the documentation or references necessary to perform work for Federal Student Aid. The library includes material in three broad categories : U.S. Department of Education Specific Resources Federal Student Aid Specific Resources Select Federal Standards and Guidelines  U.S. Department of Education Specific Resources \nThis section of the IT Standards Library includes documents pertinent to the U.S. Department of Education as a whole.  Resources \nSecurity Requirements for Contractors Doing Business with the Department of Education The Department uses its Administrative Communications System to issue policies and procedures applicable to Department employees and contractors. Handbooks and departmental directives identify security policies and procedures contractors doing business with the Department must comply with. Administrative Communications System Departmental Handbooks and Directives IT Dashboard The IT Dashboard was launched on June 1 , 2009, to provide Federal agencies and the public with the ability to view details of Federal Information Technology IT investments online and to track their progress over time. The IT Dashboard displays data received from agency IT Portfolio and Business Case reports, including general information on over 7,000 Federal IT investments and detailed data for over 700 of those investments that agencies classify as \" major . \" Federal IT Dashboard ", "Federal Student Aid Specific Resources \nThis section of the IT Standards Library includes documents that are specific to the Federal Student Aid IT lifecycle for all projects and lists other pertinent references that an IT project may be required to comply with dependent on the contract. General References IT Security Data Management Testing Services Program Quality Assurance  General References \nLifecycle Management Methodology The Lifecycle Management Methodology comprises a comprehensive process for managing information technology projects from vision to retirement. The methodology is composed of eight distinct stages, each of which guides project managers through the LMM process by identifying a core / minimum set of deliverables to be created in order to ensure a project's viability. This methodology promotes an incremental and iterative approach that fosters the development of complex solutions by breaking them down into small, manageable phases. The intent of implementing and following the LMM is to maximize project outcomes and minimize the risks traditionally associated with IT solution development projects. Lifecycle Management Methodology LMM Tailoring Plan Template Specific LMM Document / Artifact Templates are available by request from the Contracting Officer. Technology Standards and Products Guide The Federal Student Aid Technology Standards and Products Guide Guide provides an organized, systematic way of classifying Federal Student Aid's information technology infrastructure and provides a basis for understanding the basic principles, assumptions, and rules governing the development of Federal Student Aid information technology policies. Technology Standards and Products Guide Enterprise Change Management Plan The Enterprise Change Management Plan defines Federal Student Aid's operational change management concepts related to enterprise events, configuration and release management. Enterprise Change Management Plan Enterprise Rational Solution The Federal Student Aid Enterprise Rational Solution is used for systems development efforts. It is an integrated solution for requirements, test, and configuration management built upon the IBM Rational tool suite that complies with FSA standards for these areas. ", "IT Security \nThis section contains IT Security documents used by FSA. Interconnection Security Agreement Template  Data Management \nData Management Resources The following resources provide information for Data Management at Federal Student Aid on current and planned data management initiatives. Data Migration Roadmap Data Model Standards and Guidelines Data Standardization Policies and Procedures  Testing Services \nEnterprise Test Management Standards Provides standards and guidance to Federal Student Aid employees and contractors regarding effective test planning, repeatable test processes, standardized templates, defect management and other tools that will help make test efforts better planned, executed and monitored. Enterprise Test Management Standards Specific Test Management Templates are available by request from the Contracting Officer.  Program Quality Assurance \nProduction Readiness Review PRR Process The Production Readiness Review PRR serves as the final, formal, and documented decision point before a new application or a significant release of an existing application enters Federal Student Aid's production environment and is exposed to end - users. Production Readiness Review PRR Process Description Presentation Template  General and Federal Guidelines \nThis section of the IT Standards Library highlights federal organizations involved in establishing and coordinating the implementation of federal laws, regulations, standards and guidelines applicable to information and information technology management. The standards and guidelines they promulgate apply to all federal agencies and departments. Entities seeking to do business with Federal Student Aid must be cognizant of and apply them.  Resources \nOffice of Management and Budget Resources The U.S. Office of Management and Budget's OMB predominant mission is to assist the President in overseeing the preparation of the federal budget and to supervise its administration in Executive Branch agencies. OMB oversees and coordinates the Administration's procurement, financial management, information, and regulatory policies, and issues associated instructions to federal agencies. The OMB Web site offers a significant number of resources regarding information technology in the Executive Branch. Office of Management and Budget National Institute of Standards and Technology Resources The National Institute of Standards and Technology NIST is a non - regulatory federal agency within the U.S. Department of Commerce. NIST's mission is to promote U.S. innovation and industrial competitiveness by advancing measurement science, standards, and technology in ways that enhance economic security and improve our quality of life. The NIST website offers many valuable resources. NIST's work in the area of information security is of particular interest and relevance to the work of Federal Student Aid. The Federal Information Security Management Act of 2002 FISMA charged NIST with developing and issuing standards, guidelines, and other publications to assist federal agencies in implementing the FISMA and in managing cost - effective programs to protect their information and information systems. NIST's Computer Security Resource Center offers extensive resources on this subject matter. National Institute of Standards and Technology Federal Information Security Management Act of 2002 Computer Security Resource Center U.S. General Services Administration Office of Government - wide Policy The U.S. General Services Administration's GSA government - wide policymaking authority covers the areas of personal and real property, travel and transportation, information technology, regulatory information and use of federal advisory committees, and is carried out by GSA's Office of Governmentwide Policy OGP. OGP provides leadership in the development of a policy environment and key enablers for electronic government, and supports OMB in the implementation of various E - Gov initiatives to standardize and streamline government processes. Among other initiatives, OGP sponsors http://www.section508.gov, a website devoted to disseminating information regarding Section 508 of the Rehabilitation Act of 1973, as amended. Section 508 of the Act requires federal agencies to make their electronic and information technology accessible to people with disabilities. Office of Governmentwide Policy Section508.gov", "How to Review and Correct Your FAFSA Application \nFilling out and submitting your FAFSA form is an important step in the journey to paying for college. Learn about the next steps after submitting the application. We ll walk you through the actions you need to take to stay on track including accepting and getting your aid.  \"After the FAFSA: What Happens Next?\" Video \nWatch the video on YouTube View accessible version wmv  Make Sure Your FAFSA Form Was Processed \nAfter you submit your FAFSA form online or on the myStudentAid mobile app , you can check its status immediately. (Note: Only the student can check the status, because the FSA ID username and password are required to log in.) Here s how: Go to fafsa.gov or the myStudentAid mobile app and log in with your FSA ID username and password. The status of your application will be one of the following. Processing : Your application is still processing. It typically takes three to five days, plus one additional business day to be made available to the schools you listed on the form. Processed Successfully : Your application was processed successfully. No further action is needed. Missing Signatures : Your application is missing the required signature. Action Required : Your application requires further action. Contact your school to resolve the issue. If you submitted a paper FAFSA form , you can check its status after it has been processed roughly 7 10 days from the date mailed. You can also contact the Federal Student Aid Information Center to find out if your FAFSA application was processed. ", "Understand the Full Impact of Your FAFSA Application \nNot only is your FAFSA form an application for federal student aid , it also is used in determining your eligibility for certain state and school financial aid. Your FAFSA information is shared with the colleges and/or career schools you list on the application. The financial aid office at a school uses your information to figure out how much aid you may receive at that school. Note: The school might also have other forms for you to fill out to get school aid, so check with the financial aid office to be sure. Your information also goes to your state higher education agency, as well as to agencies of the states where your chosen schools are located. Many states have financial aid funds that they give out based on FAFSA information.  Review Your Student Aid Report (SAR) \nThe SAR is a summary of the FAFSA data you submitted. You the student will get your SAR within three days to three weeks after you submit your FAFSA form. Look over your SAR carefully, make sure you didn t make a mistake on your FAFSA form, and make corrections to your FAFSA data if necessary. Find out more about the SAR, its purpose, how the method you use to file your FAFSA form determines when you ll get the SAR, and what you should do with the SAR.  What Not to Expect from the SAR \nThe SAR won t tell you how much financial aid you ll get. Also , if you used the Internal Revenue Service Data Retrieval Tool IRS DRT when filling out your FAFSA form , the SAR won t show the details of your income and tax information. ", "So how do you find out how much aid you ll get? \nIf you ve been accepted at a college or career school that you listed on your FAFSA form , the school will calculate your aid and send you an electronic or paper aid offer, sometimes called an award letter, telling you how much aid you re eligible for at the school. The timing of the aid offer varies from school to school and could be as early as winter awarding for the fall or as late as immediately before you start school. It depends on when you apply and how the school prefers to schedule awarding of aid.  Provide Required Verification \nYou might see a note on your SAR saying you ve been selected for verification ; or your school might contact you to inform you that you ve been selected. Verification is the process your school uses to confirm that the data reported on your FAFSA form is accurate. If you re selected for verification , your school will request additional documentation that supports the information you reported. Don t assume you re being accused of doing anything wrong. Some people are selected for verification at random ; and some schools verify all students' FAFSA forms. All you need to do is provide the documentation your school asks for and be sure to do so by the school s deadline , or you won t be able to get financial aid. If you used the Internal Revenue Service Data Retrieval Tool IRS DRT when filling out your FAFSA form , you may not have to verify that information. In the following cases , however , your school may require you to submit an IRS tax transcript or a signed copy of your income tax return as part of the verification process. You didn t use the IRS DRT. You used the IRS DRT and reported rollovers. You used the IRS DRT but also amended your tax return. You can find your tax transcript through the IRS s Get Transcript service at irs.gov/transcript. ", "Correct Mistakes or Make Updates to Your FAFSA Form \nCorrect Mistakes \nOnce your application has been processed , you can correct your FAFSA form online or on paper.  Make Updates \nWhile most information cannot be changed on the FAFSA form , some information must be updated if it changes. Find out the difference and how to update FAFSA information. NOTE : Making corrections or updates online requires the student to sign in using his or her FSA ID username and password. The parent cannot sign in and make changes to the form.  Decide What Aid to Accept \nFirst , you ll need to understand the aid that s being offered. For instance , is it free money such as a grant or scholarship , or is it a loan that you ll have to pay back? Next , decide what aid you really need, and then respond to the school s aid offer within the deadline set by the school. Learn more about accepting aid.  Learn How Your Aid Is Paid Out \nIf you were offered financial aid and you accepted it , the financial aid staff at your college or career school will explain exactly how and when your aid will be paid out. They ll also tell you whether you need to fill out any more paperwork or meet other requirements. For instance , if you re receiving a federal student loan for the first time , you should expect to be required to sign a promissory note and go through entrance counseling. Be sure to keep in touch with your school s financial aid office so that you understand the whole process of receiving your aid.", "How to Renew Your FAFSA Application \nAnother academic year , another chance to receive financial aid! The Free Application for Federal Student Aid FAFSA form applies to a single academic year. That means you need to submit a FAFSA form each year and make sure you meet the FAFSA deadlines for state and college aid to maximize the aid you could receive. \n\nIt s Easy to Renew Your FAFSA Form \nWhen you log in to renew your FAFSA form , it s prefilled with certain information from the prior academic year. You ll need to provide new income and tax information and update any information that may have changed. Follow These Instructions to Renew Your FAFSA Form Log in with your FSA ID username and password at fafsa.gov. Learn what to do if you forgot your FSA ID username or password. Select FAFSA Renewal. Note: If you log in as a student on the myStudentAid mobile app and are eligible for a FAFSA renewal , the renewal form automatically displays. Update any prefilled information that has changed, and provide the requested financial information. Sign and submit the FAFSA renewal. Note: The ability to renew your FAFSA form on fafsa.gov is for your convenience. You can also choose to start a new FAFSA form.", "FAFSA Completion by High School and Public School District \nAs the cost of college continues to increase , financial aid becomes ever more important. While many factors are involved in the decision to attend college , a strong correlation exists between FAFSA completion and college enrollment. Previously , high schools relied on self - reported surveys to estimate their FAFSA completion rate , and that data can be inaccurate. For this reason , Federal Student Aid is providing high schools with current data about their FAFSA submissions and completions so that high schools can track their progress and help to ensure that their students complete a FAFSA. A completed FAFSA allows the U.S. Department of Education to determine a potential student's eligibility for federal student aid a key factor in families' college decisions. The data included in the attached charts reflect the number of submitted and completed FAFSAs among first - time filing applicants no older than 19 at the cutoff date who will have received their high school diploma by the start of the school year to which they are applying for aid. For each high school , the number of submitted and completed applications is reported for the current application cycle 2020 - 2021 and the same time period last year for the previous application cycle 2019 - 2020. The data is displayed in spreadsheets broken down by state or territory that include the school name and city of the high school. Additional tabs within each spreadsheet now include estimates of public school district FAFSA completion rates for both cycles as well as state level maps presenting this data. Importantly , the district level data only includes applicants reporting public high schools and does not consider private schools that are geographically within a district. Below , you can select a state or territory from the drop - down menu to view its data, get more information about the data assumptions, or find answers to the most frequently asked questions. For high schools to track their progress , FSA regularly updates estimates for the first 15 months of the application cycle. Note: From October through June , data releases are weekly. For the remainder for the calendar year , data releases occur every other Friday. Data currently posted covers applications processed through June 5. Our next data release is scheduled for June 19 covering applications processed through June 12. IMPORTANT ANNOUNCEMENT : Do you have concerns related to your high school within the data or on the FAFSA? We ve recently updated our FAQ and Data Details pages reflecting recent changes and trending questions, including why we recently changed the definition of a senior, why some schools are not listed on the FAFSA, and common errors or misconceptions when analyzing the data. IMPORTANT ANNOUNCEMENT : Do you need help increasing your FAFSA completion numbers in your area or at your high school? Federal Student Aid recently launched the Financial Aid Toolkit to help counselors understand the basics of federal student aid, provide tips on hosting events along with sample PowerPoint presentations, provide suggested messages for social media and email outreach, and help find other training opportunities. Visit the site to learn more. New methodology counts more older seniors year over year comparison still possible! Select FAFSA Data by State / Territory : Completion Report Archives: Files ending in 18 year olds use the previous age assumption that applicants be no older than 18. All other files use the current assumption that applicants be no older than 19.", "Doing Business With Us \nFederal Student Aid Acquisitions plays an integral role supporting Federal Students Aid's needs and program objectives. Federal Student Aid Acquisitions is responsible for ensuring the efficient and economic acquisition of products and services for Federal Student Aid while reducing cost and maintaining compliance with applicable laws, regulations, and Executive Orders. \n\nAcquisition Forecast \nFederal Student Aid prepares an annual forecast, with periodic updates, of expected contract opportunities in excess of the simplified acquisition threshold for each fiscal year. Information on Federal Student Aid's forecast, as well as other U.S. Department of Education acquisitions, can be found at Forecast of ED Contract Opportunities. All forecasted procurements are subject to revision or cancellation. \n\nAcquisition Notices and Contract Solicitations \nActive acquisition synopses, contract solicitations, and other information including draft work statements, special notices, sources sought notices, etc ., are available at FedBizOpps, the U.S. Government's single point - of - entry for federal business opportunities. FedBizOpps also contains copies of requests for quotations for proposed contract actions expected to exceed $10,000 but not to exceed $25,000. \n\nFederal Student Aid IT Standards \nFederal Student Aid relies heavily on information technology IT to support complex business processes. Therefore , effective use of IT is essential to many Federal Student Aid acquisitions. The IT Standards Library identifies federal, Department and Federal Student Aid specific IT standards directly pertinent to Federal Student Aid's acquisitions. \n\nContact \nIf you have questions regarding Federal Student Aid's Acquisition activities , please e - mail FSA Acquisitions.", "The U.S. Department of Education offers low-interest loans to eligible students to help cover the cost of college or career school. \nStudents may be eligible to receive subsidized and unsubsidized loans based on their financial need. Subsidized and unsubsidized loans are federal student loans for eligible students to help cover the cost of higher education at a four - year college or university, community college, or trade, career, or technical school. The U.S. Department of Education offers eligible students at participating schools Direct Subsidized Loans and Direct Unsubsidized Loans. Some people refer to these loans as Stafford Loans or Direct Stafford Loans.  What s the difference between Direct Subsidized Loans and Direct Unsubsidized Loans? \nIn short , Direct Subsidized Loans have slightly better terms to help out students with financial need. Here s a quick overview of Direct Subsidized Loans : Direct Subsidized Loans are available to undergraduate students with financial need. Your school determines the amount you can borrow , and the amount may not exceed your financial need. The U.S. Department of Education pays the interest on a Direct Subsidized Loan while you re in school at least half - time , for the first six months after you leave school referred to as a grace period * , and during a period of deferment a postponement of loan payments. *Note: If you received a Direct Subsidized Loan that was first disbursed between July 1 , 2012, and July 1 , 2014 , you will be responsible for paying any interest that accrues during your grace period. If you choose not to pay the interest that accrues during your grace period , the interest will be added to your principal balance. Here s a quick overview of Direct Unsubsidized Loans : Direct Unsubsidized Loans are available to undergraduate and graduate students ; there is no requirement to demonstrate financial need. Your school determines the amount you can borrow based on your cost of attendance and other financial aid you receive. You are responsible for paying the interest on a Direct Unsubsidized Loan during all periods. If you choose not to pay the interest while you are in school and during grace periods and deferment or forbearance periods , your interest will accrue accumulate and be capitalized that is, your interest will be added to the principal amount of your loan. Try This Resource Federal Student Loans : Basics for Students Provides students with information on Direct Loans. Includes an overview of eligibility, the application process, and repayment. ", "How much can I borrow? \nYour school determines the loan type, if any, and the actual loan amount you are eligible to receive each academic year. However , there are limits on the amount in subsidized and unsubsidized loans that you may be eligible to receive each academic year annual loan limits and the total amounts that you may borrow for undergraduate and graduate study aggregate loan limits. The actual loan amount you are eligible to receive each academic year may be less than the annual loan limit. These limits vary depending on what year you are in school and whether you are a dependent or independent student. If you are a dependent student whose parents are ineligible for a Direct PLUS Loan , you may be able to receive additional Direct Unsubsidized Loan funds. The following chart shows the annual and aggregate limits for subsidized and unsubsidized loans. Notes: The aggregate loan limits include any Subsidized Federal Stafford Loans or Unsubsidized Federal Stafford Loans you may have previously received under the Federal Family Education Loan FFEL Program. As a result of legislation that took effect July 1 , 2010 , no further loans are being made under the FFEL Program. Effective for periods of enrollment beginning on or after July 1 , 2012 , graduate and professional students are no longer eligible to receive Direct Subsidized Loans. The $65,500 subsidized aggregate loan limit for graduate or professional students includes subsidized loans that a graduate or professional student may have received for periods of enrollment that began before July 1 , 2012, or for prior undergraduate study. If the total loan amount you receive over the course of your education reaches the aggregate loan limit , you are not eligible to receive additional loans. However , if you repay some of your loans to bring your outstanding loan debt below the aggregate loan limit , you could then borrow again, up to the amount of your remaining eligibility under the aggregate loan limit. Graduate and professional students enrolled in certain health profession programs may receive additional Direct Unsubsidized Loan amounts each academic year beyond those shown above. For these students , there is also a higher aggregate limit on Direct Unsubsidized Loans. If you are enrolled in a health profession program , talk to the financial aid office at your school for information about annual and aggregate limits. Try This Resource Federal Student Loan Programs Lists federal student loan programs with loan details and award limits. ", "Am I eligible for a Direct Subsidized Loan or a Direct Unsubsidized Loan? \nTo receive either type of loan , you must be enrolled at least half - time at a school that participates in the Direct Loan Program. Generally , you must also be enrolled in a program that leads to a degree or certificate awarded by the school. Direct Subsidized Loans are available only to undergraduate students who have financial need. Direct Unsubsidized Loans are available to both undergraduates and graduate or professional degree students. You are not required to show financial need to receive a Direct Unsubsidized Loan.  How do I apply for a loan? \nTo apply for a Direct Loan , you must first complete and submit the Free Application for Federal Student Aid FAFSA form. Your school will use the information from your FAFSA form to determine how much student aid you are eligible to receive. Direct Loans are generally included as part of your financial aid package.  What are the current interest rates? \nThe interest rates for Direct Subsidized Loans and Direct Unsubsidized Loans are shown in the chart below. The interest rates shown above are fixed rates for the life of the loan. Got other questions about interest? Understanding interest rates and fees Find out how interest is calculated. Information for military members If you are a member of the military , you may be eligible for special interest benefits relating to your federal student loans. ", "Is there a time limit on how long I can receive loans? \nIf you are a first - time borrower on or after July 1 , 2013 , there is a limit on the maximum period of time measured in academic years that you can receive Direct Subsidized Loans. This time limit does not apply to Direct Unsubsidized Loans or Direct PLUS Loans. If this limit applies to you , you may not receive Direct Subsidized Loans for more than 150 percent of the published length of your program. This is called your maximum eligibility period. Your maximum eligibility period is generally based on the published length of your current program. You can usually find the published length of any program of study in your school s catalog. For example , if you are enrolled in a four - year bachelor s degree program , the maximum period for which you can receive Direct Subsidized Loans is six years 150 percent of 4 years = 6 years. If you are enrolled in a two - year associate degree program , the maximum period for which you can receive Direct Subsidized Loans is three years 150 percent of 2 years = 3 years. Because your maximum eligibility period is based on the length of your current program of study , your maximum eligibility period can change if you change to a program that has a different length. Also , if you receive Direct Subsidized Loans for one program and then change to another program , the Direct Subsidized Loans you received for the earlier program will generally count toward your new maximum eligibility period. Certain types of enrollment may cause you to become responsible for the interest that accrues on your Direct Subsidized Loans when the U.S. Department of Education usually would have paid it. These enrollment patterns are described below. ", "Other than interest, is there a charge for this loan? \nYes , there is a loan fee on all Direct Subsidized Loans and Direct Unsubsidized Loans. The loan fee is a percentage of the loan amount and is proportionately deducted from each loan disbursement. The percentage varies depending on when the loan is first disbursed, as shown in the chart below. Loans first disbursed prior to Oct. 1 , 2017, have different loan fees.  What additional steps must I take to receive my loan? \nIf your financial aid package includes federal student loans , your school will tell you how to accept the loan. If it is your first time receiving a Direct Loan , you will be required to complete entrance counseling , a tool to ensure you understand your obligation to repay the loan ; and sign a loan contract called a Master Promissory Note, agreeing to the terms of the loan. Contact the financial aid office at the school you are planning to attend for details regarding the process for receiving a loan at your school.  How will I receive my loan? \nThe school will first apply your loan funds to your school account to pay for tuition, fees, room and board, and other school charges. If any additional loan funds remain , they will be returned to you. All loan funds must be used for your education expenses. Learn more about the process of receiving federal student aid. ", "Who will contact me after I receive my loan? \nWhen you receive your Direct Loan , you will be contacted by your loan servicer you repay your loan to the loan servicer. Your loan servicer will provide regular updates on the status of your Direct Loan, and any additional Direct Loans that you receive.  When do I have to pay back my loan? \nAfter you graduate , leave school , or drop below half - time enrollment , you will have a six - month grace period before you are required to begin repayment. During this period, you'll receive repayment information from your loan servicer , and you'll be notified of your first payment due date. Payments are usually due monthly. Learn more about repaying your loan.  What types of loan repayment plans are available? \nThere are several repayment options available that are designed to meet the individual needs of borrowers. Your loan servicer can help you understand which repayment options are available to you. Generally , you ll have 10 to 25 years to repay your loan, depending on the repayment plan that you choose. Learn more about your repayment options.  What if I have trouble repaying my loan? \nIf you are unable to make your scheduled loan payments , contact your loan servicer immediately. Your loan servicer can help you understand your options for keeping your loan in good standing. For example , you may wish to change your repayment plan to lower your monthly payment or request a deferment or forbearance that allows you to temporarily stop or lower the payments on your loan. Learn more about deferment or forbearance options. ", "Can I cancel a loan if I decide that I don t need it or if I need less than the amount offered? \nYes. Before your loan money is disbursed , you may cancel all or part of your loan at any time by notifying your school. After your loan is disbursed , you may cancel all or part of the loan within certain time frames. Your promissory note and additional information you receive from your school will explain the procedures and time frames for canceling your loan.  Can my loan ever be forgiven or discharged? \nUnder certain conditions , you may be eligible to have all or part of your loan discharged or forgiven canceled. Find out about loan cancellation, discharge, or forgiveness.  Where can I find information about the student loans I ve received? \nVisit My Aid to view information about all of the federal student loans and other financial aid you have received and to find contact information for the loan servicer for your loans.", "Avoiding Student Aid Scams \nAvoid student aid scams and protect your identity while searching for scholarships, filling out the Free Application for Federal Student Aid FAFSA form, managing your loans, and giving information to schools and lenders. FREE help is available. Save Your Money Protect Your Identity Beware of Student Loan Debt Relief Companies Report Fraud and Identity Theft  You Don t Have to Pay for Help Finding Money for College or Career School \nCommercial financial aid advice services can cost well over $1,000. Of course , simply charging for help or information that s available for free elsewhere is not fraudulent. However , if a company doesn t deliver what it promises , it s scamming you. If you re unsure whether to pay a company for help finding financial aid , stop and think for a minute : What s being offered? Is the service going to be worth your money? Do the claims seem too good to be true? You might have heard or seen these claims at seminars, over the phone from telemarketers, or online : Buy now or miss this opportunity. Don t give in to pressure tactics. Remember , the opportunity is a chance to pay for information you could find yourself for free. We guarantee you ll get aid. A company could claim it fulfilled its promise if you were offered student loans or a $200 scholarship. Is that worth a fee of $1,000 or more? I ve got aid for you ; give me your credit card or bank account number. Never give out a credit card or bank account number unless you know the organization you are giving it to is legitimate. You could be putting yourself at risk of identity theft. Here is some free information about ways to pay for college. ", "You Don t Have to Pay for Help With the FAFSA Form \nSeveral websites offer help filling out the FAFSA form for a fee. These sites are not affiliated with or endorsed by the U.S. Department of Education ED. We urge you not to pay these sites for assistance that you can get for free elsewhere. The official FAFSA form is available from fafsa.gov , and you can get free help from the financial aid office at your college or the college you re thinking about attending ; the FAFSA form s online help ; and the Federal Student Aid Information Center. If you are asked for your credit card information while filling out the FAFSA form online , you are not at the official government site. Remember , the FAFSA site address has .gov in it! The FAFSA form is free. Fill the FAFSA form out here.  You Don t Have to Pay for Help With Your Federal Student Loans \nMany student loan debt relief companies charge a fee to provide services that you can take care of yourself for free by contacting your loan servicer. At no cost , the U.S. Department of Education and our federal loan servicers can help you lower your monthly loan payment ; change your repayment plan ; consolidate multiple federal student loans ; postpone monthly payments while you re furthering your education or are unemployed ; see if you qualify for loan forgiveness or other programs ; and get your loans out of default. Have questions or need help with your student loans? Contact your loan servicer or lender for FREE assistance. ", "Find Out Which Legitimate Companies the U.S. Department of Education (ED) Works With \nThere are private companies lenders, servicers, and private collection agencies that work on behalf of ED. ED contracts with loan servicers who handle the billing and other services on your federal student loans. Your federal loan servicer will work with you on repayment plans and loan consolidation and will assist you with other tasks related to your federal student loan. Find a list of our loan servicers here. ED also works with private collection agencies PCAs to get federal student loan borrowers out of default and ensure defaulted borrowers are aware of their options. Here s a list of PCAs that work with ED. If you re in default , please contact ED s Default Resolution Group for personalized assistance at 1 - 800 - 621 - 3115. These lenders, servicers, and PCAs are affiliated with ED and can be trusted , so you should contact them if you need assistance.  Protect Your Identity \nReduce Your Risk of Identity Theft When Applying for Aid \nIdentity theft can occur when criminals access personal data such as names, Social Security numbers, and bank and credit card information. Using the stolen data , the criminal can illegally obtain credit cards, set up mobile phone accounts, and more. Take the following precautions to reduce your risk when applying for federal student aid : Apply for federal student aid by filling out the FAFSA form at the official website or on our myStudentAid mobile app. After completing the FAFSA form online, exit the application and close the browser ; any cookies created during your session will be deleted automatically. Don t tell anyone your FSA ID username or password, even if that person is helping you fill out the FAFSA form. Review your financial aid offers and keep track of the amounts you applied for and received. Never give personal information over the phone or internet unless you made the contact. If you have questions about an offer of aid or about your student loan account , ask your college or contact the Federal Student Aid Information Center. We securely store your information within the National Student Loan Data System NSLDS database and provide access to it when you log in to your account. However , if you complete or even request a student loan application from a lender , you may be granting the lender permission to access your file. Before providing personal information to an organization , review its privacy policy. Keep receipts and documents for example, credit applications or offers, checks and bank statements with personal information in a safe place, and shred them when you are finished with them. Keep your purse or wallet safe at all times; store it and other items containing personal information in a secure place at home, especially if you have roommates. Immediately report all lost or stolen identification to the issuer e.g., the credit card company or your state s Department of Motor Vehicles and to the police, if appropriate. ", "Change Your FSA ID Password If It Has Been Shared \nLog in to your account using your username and password. Once logged in , change your Account Information in your account settings. You ll be prompted to enter your current password and choose a new password. Be sure to keep track of your new password and do not share it with anyone! If someone has access to your FSA ID information , they can make changes to your account without your permission. If you cannot log in because you do not know your current username and/or password , retrieve your lost credentials. Note: To retrieve your username or password , you ll either need to have a code sent to your mobile phone or your email address , or you ll need to answer your challenge questions. If a student loan debt relief company had access to your FSA ID , it s possible that they may have changed the email address or phone number associated with your account. If you don t have access to or haven t verified the mobile phone number or email address associated with your FSA ID, and you don t know the answers to your challenge questions , you will have to contact the Federal Student Aid Information Center at 1 - 800 - 433 - 3243. An agent will walk you through self - service options. If that does not resolve the situation , you will go through the FSA ID Account Recovery process. You ll send in copies of identification , and the email address on your account will reset to one you can access. This process takes 7 10 days from the time you send in your documentation. ", "How ED Keeps Your Information Safe \nWe care about the privacy of your personal information. The information you share with us via our secure websites goes through a process called encryption. Encryption uses a mathematical formula to scramble your data into a format that is unreadable to a hacker. This is how we do our part to keep your information safe but you need to do yours as well.  Beware of Student Loan Debt Relief Companies \nIdentify a Student Loan Scam \nBorrowers have reported receiving phone calls, emails, letters, and/or texts offering them relief from their federal student loans or warning them that student loan forgiveness programs would end soon. Usually , the so - called student loan debt relief companies offering these types of services don t offer any relief at all. Often they re just fraudsters who are after your money. Here are some examples of the false claims made in these communications : Act immediately to qualify for student loan forgiveness before the program is discontinued. You are now eligible to receive benefits from a recent law that has passed regarding federal student loans, including total forgiveness in some circumstances. Federal student loan programs may change. Please call within 30 days of receiving this notice. Your student loans may qualify for complete discharge. Enrollments are first come, first served. Student alerts : Your student loan is flagged for forgiveness pending verification. Call now! Communications using this type of aggressive advertising to lure borrowers are NOT coming from the U.S. Department of Education ED or its partners. Here are some signs to help you identify a scam by a student loan debt relief company : They require you to pay up - front or monthly fees for help. It is illegal to charge an up - front fee for this type of service , so if a company requires a fee before they actually do anything, that s a huge red flag especially if they try to get your credit card number or bank account information. In some cases , they may even step in and ask you to pay them directly, promising to pay your servicer each month when your bill comes due. Free assistance is available through your federal loan servicer. They promise immediate and total loan forgiveness or cancellation. No one can promise immediate and total loan forgiveness or cancellation. Most government forgiveness programs require many years of qualifying payments and/or employment in certain fields before your loans can be forgiven. Also , student loan debt relief companies do not have the ability to negotiate with your federal loan servicer for a special deal under the federal student loan programs. Payment levels under income - driven payment plans are set by federal law. They ask for your FSA ID username and password. ED or its partners will never ask you for your FSA ID password. Your FSA ID is used to sign legally binding documents electronically. It has the same legal status as a written signature. Do not give your FSA ID password to anyone or allow anyone to create an FSA ID for you. If a company has access to your FSA ID information , they can make changes to your account without your permission. They ask you to sign and submit a third - party authorization form or a power of attorney. These are written agreements giving the third party legal permission to talk directly to your federal loan servicer and make decisions on your behalf. Debt relief companies often want these authorizations so that they can change your account and contact information , so you don t realize that they aren t actually paying your monthly student loan bill. They claim that their offer is limited and encourage you to act immediately. Student loan debt relief companies often try to instill a sense of urgency by citing new laws or discontinuing programs as a way to encourage borrowers to contact them immediately. While there are some deadlines you need to meet regarding your student loans for instance , if you re paying under an income - driven repayment plan , you need to recertify annually our programs are limited only by the eligibility requirements. Their communications contain spelling and grammatical errors. While many of the communications sent out by these companies look very formal for example, fold - and - tear letters with safety patterns , they often contain spelling and grammatical errors. If you notice unusual capitalization, improper grammar, or incomplete sentences in the communication you receive , that s likely a red flag that the company is not affiliated with ED. For more tips on identifying a student loan scam , visit the Federal Trade Commission s website. ", "How Student Loan Debt Relief Companies Work \nStudent loan debt relief companies are private companies that provide or claim to provide student loan management services for a fee. Often these companies are charging for services you can easily manage yourself. They will say they can help reduce your monthly payment or get your loans forgiven , but after you pay, you might be worse off. You might not get the promised help or your money back , and the company may have made changes to your loan repayment plan that you didn t authorize or want. If you stopped paying your loans , your credit could be damaged and your loan balances could balloon. The tricky part is that, although these companies are not affiliated with ED, they sometimes claim to be. In their communications , these companies will claim to work with the U.S. Department of Education or claim to be consumer advocacy groups. In an effort to appear legitimate , some of these companies may even include your loan balance information in their communications. Remember : ED and our federal loan servicers will never charge fees to help borrowers with their student loans. If you re asked to pay an up - front or maintenance fee , you re not dealing with ED, so do not share your information. If you re not sure whether you can trust a company that contacts you , refer to this list of trusted companies that work with ED to provide student loan services. ", "List of Companies Banned From Debt Relief \nThe Federal Trade Commission FTC and other government entities have taken action against many of these companies. The problem is, many student loan debt relief companies operate under many different names and use many different phone numbers to avoid detection. Some even go as far as to reopen under different names after being sued or shut down. That s why it s important that you consult our list of trusted partners, and take steps to avoid these scams. View the FTC s list of companies and people banned from debt relief.  Report Fraud and Identity Theft \nReport Financial Aid Fraud \nA company charging for financial aid advice is not committing fraud unless it doesn t deliver what it promises. For more information about financial aid fraud or to report fraud , contact the Federal Trade Commission and the Consumer Financial Protection Bureau.  Report Fraudulent Activity by a College or Career School \nContact ED s Office of Inspector General Fraud Hotline to make a confidential report if you suspect your school or an individual of fraud, waste, or abuse involving federal student aid (e.g., Federal Pell Grants, Direct Loans, etc. Contact ED s Federal Student Aid Feedback Center if you believe that someone at your school has misrepresented any aspect of the educational program, its cost, or its outcomes ; or the school s administration of the federal student aid programs, and/or the school s recruitment practices, may have violated federal regulations. ", "Report Identity Theft \nIf you suspect that your student information has been stolen , it is important to act quickly. These offices will help you determine what steps to take depending on your situation : ED s Office of Inspector General Fraud Hotline Federal Trade Commission Social Security Administration Equifax Credit Bureau Experian Information Solutions TransUnion Credit Bureau  Report Student Loan Debt Relief Companies \nIf you have already shared your information or paid a student loan debt relief company , you should do the following : Contact your federal loan servicer to revoke any power of attorney or third - party authorization agreement that your servicer has on file. You should also make sure no unwanted actions were taken on your loans. Contact your bank or credit card company, and request that payments to the company be stopped. File a complaint with the FTC. File a report of suspicious activity through our Feedback Center. Also , be sure to log in and change your account password. Do NOT share your new account password with anyone!", "Student loan forbearance allows you to temporarily stop making payments. \nFind out if a forbearance is the best option for your situation. With forbearance , you won t have to make a payment , or you can temporarily make a smaller payment. However , you probably won t be making any progress toward forgiveness or paying back your loan. As an alternative , consider income - driven repayment. NEW : Automatic Suspension of Monthly Payments as a Result of the COVID-19 National Emergency To provide relief to student loan borrowers during the COVID-19 national emergency , federal student loan borrowers are automatically being placed in an administrative forbearance, which allows you to temporarily stop making your monthly loan payments. This suspension of payments will last from March 13 , 2020, through Sept. 30 , 2020 , but you can still make payments if you choose. Have questions? Find out what loans qualify and get additional information about this forbearance and other student loan flexibilities due to the COVID-19 national emergency.  Get Relief With Lower Payments on an Income-Driven Repayment Plan \nIf you re having trouble repaying your loans due to circumstances that may continue for an extended period, or if you re unsure when you ll be able to afford to make your monthly loan payments again , a better option might be to change to an income - driven repayment plan. Income - driven repayment plans base your monthly payments on your income and family size. In some cases , your payment could be as low as $0 per month. They can also provide loan forgiveness if your loan is not paid in full after 20 or 25 years. Always contact your student loan servicer immediately if you re having trouble making your student loan payments. If you re seeking Public Service Loan Forgiveness PSLF or income - driven repayment forgiveness , forbearance will not allow you to make progress toward forgiveness. ", "Be Aware That Interest Might Accrue During a Forbearance \nIf you are granted a forbearance , you are still responsible for paying the interest that accrues during the forbearance period.  How It Works \nDuring a forbearance , you can either pay the interest as it accrues , or you can allow it to accrue and be capitalized added to your loan principal balance at the end of the forbearance period. If you don t pay the interest on your loan and allow it to be capitalized , the total amount you repay over the life of your loan may be higher. Unpaid interest is capitalized only on Direct Loans and Federal Family Education Loan FFEL Program loans. Unpaid interest is never capitalized on Federal Perkins Loans.  Request a Forbearance \nMost types of forbearance are not automatic you need to submit a request to your student loan servicer, often using a form. Also , for some types of forbearance , you must provide your student loan servicer with documentation to show that you meet the eligibility requirements for the forbearance you are requesting. Learn more about requirements and how to access request forms.  Understand Eligibility for a Forbearance \nThere are two main types of forbearance: general and mandatory.  General Forbearance \nYour loan servicer decides whether to grant a request for a general forbearance. For this reason , a general forbearance is sometimes called a discretionary forbearance. You can request a general forbearance if you are temporarily unable to make your scheduled monthly loan payments for the following reasons : Financial difficulties Medical expenses Change in employment Other reasons acceptable to your loan servicer ", "Loan Programs Eligible for General Forbearance \nGeneral forbearances are available for Direct Loans, Federal Family Education FFEL Program loans, and Perkins Loans.  Duration of a General Forbearance \nFor loans made under all three programs , a general forbearance may be granted for no more than 12 months at a time. If you re still experiencing a hardship when your current forbearance expires , you may request another general forbearance. However , there is a cumulative limit on general forbearances of three years. For more information , review the General Forbearance Request.  Mandatory Forbearance \nIf you meet the eligibility requirements for a mandatory forbearance , your loan servicer is required to grant the forbearance. You may be eligible for a mandatory forbearance in the following circumstances. Note : The mandatory forbearances discussed below apply only to Direct Loans and FFEL Program loans unless otherwise noted.  AmeriCorps \nYou are serving in an AmeriCorps position for which you received a national service award. Request an AmeriCorps forbearance.  Department of Defense Student Loan Repayment Program \nYou qualify for partial repayment of your loans under the U.S. Department of Defense Student Loan Repayment Program. Complete the Mandatory Forbearance Request : Medical or Dental Internship / Residency, National Guard Duty, or Department of Defense Student Loan Repayment Program.  Medical or Dental Internship or Residency \nYou are serving in a medical or dental internship or residency program , and you meet specific requirements. Complete the Mandatory Forbearance Request : Medical or Dental Internship / Residency, National Guard Duty, or Department of Defense Student Loan Repayment Program. ", "National Guard Duty \nYou are a member of the National Guard and have been activated by a governor , but you are not eligible for a military deferment. Complete the Mandatory Forbearance Request : Medical or Dental Internship / Residency, National Guard Duty, or Department of Defense Student Loan Repayment Program.  Student Loan Debt Burden \nThe total amount you owe each month for all the federal student loans you received is 20 percent or more of your total monthly gross income, for up to three years. Complete the Mandatory Forbearance Request : Student Loan Debt Burden. Note: This mandatory forbearance type applies to Direct Loans, FFEL Program loans, and Perkins Loans.  Teacher Loan Forgiveness \nYou are performing teaching service that would qualify you for teacher loan forgiveness. Apply using this form : Teacher Loan Forgiveness Forbearance Request.  Duration of Mandatory Forbearances \nMandatory forbearances may be granted for no more than 12 months at a time. If you continue to meet the eligibility requirements for the forbearance when your current forbearance period expires , you may request another mandatory forbearance. You MUST continue making payments on your student loan until you have been notified that your request for forbearance has been granted. If you stop paying and your forbearance is not approved , your loan will become delinquent and you may go into default.", "Don t get discouraged if you're in default on your federal student loan. \nYou have multiple options to get out of default. If you failed to make your payments on your federal student loan and now are in default , don t let the consequences of default affect your financial future. Find out how to get out of default. Stopped Collection Activity and Temporary 0% Interest as a Result of the COVID-19 National Emergency To provide relief during the COVID-19 national emergency , the U.S. Department of Education ED has stopped collection activity on defaulted federally owned student loans and/or grant overpayments. In addition , interest is temporarily set at 0% on defaulted federally owned student aid debt. This 0% interest and stopped collections period will last from March 13 , 2020, through Sept. 30 , 2020. You can still make payments if you choose. Have questions? Find out about federal student aid flexibilities due to the COVID-19 national emergency. One way to get out of default is to repay the defaulted loan in full , but that's not a practical option for most borrowers. The two main ways to get out of default are loan rehabilitation and loan consolidation. While loan rehabilitation takes several months to complete , you can quickly apply for loan consolidation. However , loan rehabilitation provides certain benefits that are not available through loan consolidation. Take a look at the chart below to compare the benefits of loan rehabilitation versus the benefits of loan consolidation. Loan Rehabilitation and Consolidation Comparison Chart * NOTE : We previously indicated that loan consolidation would result in removal of the record of default from a borrower s credit history. That cell of the table has now been corrected to indicate that loan consolidation will not result in removal of the record of default from the borrower s credit history. If you rehabilitate a defaulted loan , the record of the default will be removed from your credit history. However , your credit history will still show late payments that were reported by your loan holder before the loan went into default. If you consolidate a defaulted loan , the record of the default as well as late payments reported before the loan went into default will remain in your credit history. Late payments will remain on your credit report for seven years from when they were first reported. It s important that you fully understand loan rehabilitation and loan consolidation before making your decision. Learn more about loan rehabilitation and loan consolidation. Unless you make three voluntary, on - time, full monthly payments on a defaulted loan before you consolidate it , your choice of repayment plans for the new Direct Consolidation Loan will be limited to one of the income - driven repayment plans. If you make three voluntary, on - time, full monthly payments before consolidating , you can choose from any of the repayment plans available to Direct Consolidation Loan borrowers. ", "Loan Rehabilitation \nOne option for getting your loan out of default is loan rehabilitation. To start the loan rehabilitation process , you must contact your loan holder. If you re not sure who your loan holder is , you can log in and select View loan servicer details to get your loan holder s contact information.  William D. Ford Federal Direct Loan (Direct Loan) Program and Federal Family Education Loan (FFEL) Program \nTo rehabilitate a defaulted Direct Loan or FFEL Program loan , you must agree in writing to make nine voluntary, reasonable, and affordable monthly payments as determined by your loan holder within 20 days of the due date, and make all nine payments during a period of 10 consecutive months. Under a loan rehabilitation agreement , your loan holder will determine a reasonable monthly payment amount that is equal to 15 percent of your annual discretionary income, divided by 12. Discretionary income is the amount of your adjusted gross income from your most recent federal income tax return that exceeds 150 percent of the poverty guideline amount for your state and family size. You must provide documentation of your income to your loan holder. If you can t afford the initial monthly payment amount described above , you can ask your loan holder to calculate an alternative monthly payment based on the amount of your monthly income that remains after reasonable amounts for your monthly expenses have been subtracted. You ll need to provide documentation of your monthly income and expenses, including a completed Loan Rehabilitation: Income and Expense Information form. Depending on your individual circumstances , this alternative payment amount may be lower than the payment amount you were initially offered. To rehabilitate your loan , you must choose one of the two payment amounts. Depending on your income , your monthly payment under a loan rehabilitation agreement could be as low as $5. Your loan holder may be collecting payments on your defaulted loan through wage garnishment or Treasury offset taking all or part of your tax refunds or other government payments. These involuntary payments may continue even after you begin making payments under a loan rehabilitation agreement , but they can t be counted toward the required nine voluntary loan rehabilitation payments. Involuntary payments may continue to be taken until your loan is no longer in default or until you have made some of your rehabilitation payments. Once you have made the required nine payments , your loans will no longer be in default. ", "Federal Perkins Loan Program \nTo rehabilitate a defaulted Federal Perkins Loan , you must make a full monthly payment each month, within 20 days of the due date, for nine consecutive months. Your required monthly payment amount is determined by your loan holder. Find out where to go for information about your Perkins Loan.  Benefits of Loan Rehabilitation \nWhen your loan is rehabilitated , the default status will be removed from your loan , and collection of payments through wage garnishment or Treasury offset will stop. You ll regain eligibility for benefits that were available on the loan before you defaulted, such as deferment, forbearance, a choice of repayment plans, and loan forgiveness , and you ll be eligible to receive federal student aid. Also , the record of default on the rehabilitated loan will be removed from your credit history. However , your credit history will still show late payments that were reported by your loan holder before the loan went into default. If you rehabilitate a defaulted loan and then default on that loan again , you can t rehabilitate it a second time. Rehabilitation is a one - time opportunity.  Loan Consolidation \nAnother option for getting out of default is to consolidate your defaulted federal student loan into a Direct Consolidation Loan. Loan consolidation allows you to pay off one or more federal student loans with a new consolidation loan. To consolidate a defaulted federal student loan into a new Direct Consolidation Loan , you must either agree to repay the new Direct Consolidation Loan under an income - driven repayment plan, or make three consecutive, voluntary, on - time, full monthly payments on the defaulted loan before you consolidate it. Note: If you choose to make three payments on the defaulted loan before you consolidate it , the required payment amount will be determined by your loan holder, but cannot be more than what is reasonable and affordable based on your total financial circumstances. There are special considerations if you want to reconsolidate an existing Direct Consolidation Loan or Federal FFEL Consolidation Loan that is in default : To reconsolidate a defaulted Direct Consolidation Loan , you must also include at least one other eligible loan in the consolidation in addition to meeting one of the two requirements described above. If you have no other eligible loans that can be included in the consolidation , you cannot get out of default by consolidating a defaulted Direct Consolidation Loan. Your options are repayment in full or loan rehabilitation. You may reconsolidate a defaulted FFEL Consolidation Loan without including any additional loans in the consolidation, but only if you agree to repay the new Direct Consolidation Loan under an income - driven repayment plan. If you include at least one other eligible loan in the consolidation , you re eligible to reconsolidate a defaulted FFEL Consolidation Loan if you meet either of the two requirements described above. In addition , if you want to consolidate a defaulted loan that is being collected through garnishment of your wages, or that is being collected in accordance with a court order after a judgment was obtained against you , you cannot consolidate the loan unless the wage garnishment order has been lifted or the judgment has been vacated. If you choose to repay the new Direct Consolidation Loan under an income - driven plan , you must select one of the available income - driven repayment plans at the time you apply for the consolidation loan and provide documentation of your income. Note: If you want to consolidate a defaulted PLUS loan that you obtained as a parent to pay for your child s education , the only income - driven plan you can choose is the Income - Contingent Repayment Plan ICR. If you choose to make three consecutive, voluntary, on - time, full monthly payments on your defaulted loan before you consolidate it , you may repay the new Direct Consolidation Loan under any repayment plan you are eligible for. After your defaulted loan has been consolidated , your Direct Consolidation Loan will be eligible for benefits such as deferment, forbearance, and loan forgiveness. You ll also be eligible to receive additional federal student aid , but unlike loan rehabilitation, consolidation of a defaulted loan does not remove the record of the default from your credit history. Learn more about consolidation and how to apply for a Direct Consolidation Loan. ", "Repayment in Full \nA third option for getting out of default is to repay the full amount of your defaulted student loan. If you need your loan holder s contact information to make a payment , log in and select View loan servicer details.  Getting Help With Your Defaulted Loan \nIf you need help with your defaulted loan , you will need to contact the holder of your defaulted loan. Find out who holds your loan by logging in and selecting View loan servicer details. Note : StudentAid.gov does not include information about any private student loans you may have received. Contact the loan holder of your private student loans for loan information.", "If your school closes while you re enrolled or soon after you withdraw, you may be eligible for discharge of your federal student loan. \nLearn about the eligibility requirements for discharge and how you can apply. There are certain eligibility requirements to qualify for a closed school discharge ; you must apply to get a discharge. It s important for you to obtain your academic and financial aid records if your school closes since you might need those records if you plan to attend another school or want your student loans discharged.  Discharge Criteria \nYou may be eligible for a 100 percent discharge of your William D. Ford Federal Direct Loan Direct Loan Program loans, Federal Family Education Loan FFEL Program loans, or Federal Perkins Loans if you were unable to complete your program because your school closed, and if you were enrolled when your school closed ; you were on an approved leave of absence when your school closed ; or your school closed within 120 days after you withdrew. You are not eligible for discharge of your loans if your school closes and any of the following is true : Except in exceptional circumstances , you withdrew more than 120 days before the school closed. You are completing a comparable educational program at another school through a teach-out, by transferring academic credits or hours earned at the closed school to another school , or by any other comparable means. You completed all the coursework for the program before the school closed, even if you did not receive a diploma or certificate. ", "Discharge Process \nContact your loan servicer about the application process for getting your loan discharged. Be sure to continue to make payments on your loan while your discharge application is being processed. Find out what happens if your loan discharge is approved. Find out what happens if your loan discharge is denied.  Automatic Closed School Discharge \nIf you meet the eligibility requirements for a closed school discharge of your loans obtained to attend a school that closed on or after Nov. 1 , 2013, and you have not enrolled at another school that participates in the federal student aid programs within three years of the date your prior school closed , you will receive an automatic closed school discharge. This discharge will be initiated by the U.S. Department of Education ED , and you will be notified by your loan servicer. Although this closed school loan discharge is granted automatically after three years have passed since your school s closure , nothing prevents you from applying for and receiving a closed school discharge as soon as your school s official closure date is confirmed by ED. If you 1) attended a school that closed less than three years ago, 2) meet the eligibility requirements for a closed school discharge, and 3) want your loans discharged, contact your loan servicer about applying for a closed school discharge now instead of waiting for three years to receive an automatic closed school discharge. ", "Q&A on Closed School Loan Discharges \nWhat benefits do I have by receiving a closed school loan discharge? \nBy receiving a closed school loan discharge , you have no further obligation to repay the loan , you will receive reimbursement of payments made voluntarily or through forced collection , and the record of the loan and all repayment history associated with the loan, including any adverse history, will be deleted from your credit report.  I have nonfederal loans through private lenders. Can I get those loans discharged? \nYou will need to contact the private lender that made the loan to get that information.  I received loans for several different programs of study at the same school, but I was unable to complete any of the programs or transfer credits from one program to another before the school closed. Can all the loans be discharged? \nOnly loans you received for a program that you were unable to complete because of the school s closure are eligible for discharge. For example , if you initially enrolled in Program A, but decided not to continue with that program and transferred to Program B , and you were then unable to complete Program B because the school closed , only loans you received for Program B could potentially be discharged. In the example , you would not be eligible for discharge of any loans you received for Program A, because the school s closure did not prevent you from completing that program. ", "I did not complete the program, but I received a diploma or certificate. Does that make me ineligible for a loan discharge? \nNo. Before closing , some schools may issue a diploma or certificate to students who did not complete the program of study. If you did not complete your program of study , the fact that the school gave you a diploma or certificate does not disqualify you for discharge.  I transferred credits from a closed school to a completely different program of study at a new school and completed the new program. Does that make me ineligible for discharge of the loans I received at the closed school? \nNo. Transfer of credits from the closed school to a completely different program of study at the new school does not disqualify you for discharge.  I attended a school that is now closed. Where can I obtain a copy of my academic transcript? \nContact the state licensing agency in the state where the school was located to find out if the state has the records.  My school informed me that they have arranged a teach-out with neighboring schools. What is a teach-out? \nA teach - out is a written agreement between schools that provides for the equitable treatment of students and a reasonable opportunity for students to complete their program of study if a school ceases to operate before all students have completed their program of study.  If my school closes and I then enroll in a comparable program at another school, can I still receive a discharge of the loans I received at the closed school? \nIt depends. If you completed or are in the process of completing a comparable program of study at another school through a teach - out , by transferring academic credits or hours from the closed school, or by any other comparable means , you are not eligible for a closed school discharge. However , you may be eligible for discharge if you completed or are in the process of completing a comparable program at another school , but you did not participate in a teach - out, transfer credits or hours from the closed school, or benefit from the training you received at the closed school by any other comparable means, and if you otherwise meet the eligibility requirements for a closed school discharge.", "Federal Work-Study jobs help students earn money to pay for college or career school. \nUndergraduate and graduate students with work - study jobs will work part - time on or off campus while enrolled. Federal Work - Study provides part - time jobs for undergraduate and graduate students with financial need, allowing them to earn money to help pay education expenses. The program encourages community service work and work related to the student s course of study. Here s a quick overview of Federal Work - Study : It provides part - time employment while you are enrolled in school. It s available to undergraduate, graduate, and professional students with financial need. It s available to full - time or part - time students. It s administered by schools participating in the Federal Work - Study Program. Check with your school's financial aid office to find out if your school participates.  What kinds of jobs are there? \nThe Federal Work - Study Program emphasizes employment in civic education and work related to your course of study whenever possible.  Are jobs on campus or off campus? \nBoth. If you work on campus , you ll usually work for your school. If you work off campus , your employer will usually be a private nonprofit organization or a public agency , and the work performed must be in the public interest. Some schools might have agreements with private for - profit employers for work - study jobs. These jobs must be relevant to your course of study to the maximum extent possible. If you attend a proprietary school i.e., a for - profit institution , there may be further restrictions on the types of jobs you can be assigned. If you re interested in getting a Federal Work - Study job while you re enrolled in college or career school , make sure you apply for aid early. Funds are limited. ", "How much can I earn? \nYou ll earn at least the current federal minimum wage. However , you may earn more depending on the type of work you do and the skills required for the position. Your total work - study award depends on when you apply, your level of financial need , and your school s funding level.  How will I be paid? \nHow you re paid depends partly on whether you re an undergraduate or graduate student. If you are an undergraduate student , you're paid by the hour. If you are a graduate or professional student , you're paid by the hour or by salary, depending on the work you do. Your school must pay you at least once a month. Your school must pay you directly unless you request that the school send your payments directly to your bank account or use the money to pay for your education - related institutional charges such as tuition, fees, and room and board.  Can I work as many hours as I want? \nNo. The amount you earn can t exceed your total Federal Work - Study award. When assigning work hours , your employer or your school s financial aid office will consider your class schedule and your academic progress.", "Are you a student? A parent? An adult thinking about going back to school? Want to know how to prepare for college or career school? \nWe ve provided checklists with the steps you can take to help your or your child s chances of getting into and being able to afford the school of your choice. Students , college prep is about more than the classes that you take. It s also about developing the skills that will help you succeed in college and life. For instance , as you balance studying and having fun , you ll be practicing time management ; and as you save for college, you ll be learning money management. Our checklists suggest these and many other steps you can take, as well as websites you can explore, as you prepare academically and financially for college. Parents , each of the checklists from elementary school through high school includes items for you, such as how to support your child in his or her studies, where to set up a college savings account, and what to do when it s time to apply for financial aid. Adult students , we ve got an adult student checklist just for you so that you can skip all the information about what classes to take in high school and get straight to exactly what you need. Try This Resource College Preparation Checklist Helps students elementary, middle, and high school, as well as adults and parents prepare financially and academically for college. ", "College Preparation YouTube Playlist \nCurious about what college is like? Take a look at the videos in our Prepare for College \" YouTube playlist. The playlist includes such topics as What s the biggest myth about college? and What s the best tip about going to college? What is the Most Surprising Thing About College?  Checklists \nWhether you re a student or parent, years away from college or just about to start , the following checklists will help you get ready. Elementary School Checklist : Student and parent checklists that start the student on the road to enjoying learning and point the parent to resources for college savings accounts. Middle School Checklist : Student and parent checklists that get the student thinking about high school and possible careers and encourage the parent to keep an eye on the student s progress. High School Checklist : Student and parent checklists that help the student focus on succeeding academically and learning about financial aid and provide the parent with tips for supporting the student and participating in the financial aid application process. 9th Grade Checklist 10th Grade Checklist 11th Grade Checklist 12th Grade Checklist Grad School Checklist : Checklist to help individuals get prepared for graduate or professional school. Adult Student Checklist : Checklist for adults applying to college , including those who left high school before graduating, graduated high school, completed some college courses, or may be in the workforce. Getting a Late Start? Last - minute Checklist : Checklist for anyone who has been accepted at a college and is starting classes soon but hasn t applied for financial aid yet.", "For purposes of applying for federal student aid, what s the difference between a dependent student and an independent student? \nRead the definitions, find out who has to provide parent information on the FAFSA form, and learn what to do if you aren t in contact with your parents. Your dependency status determines whose information you must report on the Free Application for Federal Student Aid FAFSA form. If you re a dependent student , you will report your and your parents information. If you re an independent student , you will report your own information and, if you re married, your spouse s. The federal student aid programs are based on the concept that it is primarily your and your family s responsibility to pay for your education. A dependent student is assumed to have the support of parents , so the parents information has to be assessed along with the student s, in order to get a full picture of the family s financial strength. If you re a dependent student, it doesn t mean your parents are required to pay anything toward your education ; this is just a way of looking at everyone in a consistent manner.  Am I dependent or independent? \nYour answers to questions on the FAFSA form determine whether you are considered a dependent or independent student. The questions change a little from one year s application to the next year s ; for instance, the 2020 21 FAFSA form asks whether you were born before Jan. 1 , 1997, while the 2021 22 FAFSA form will ask whether you were born before Jan. 1 , 1998. Here are the questions that determine your dependency status, first in a graphic format and then for 2020 21 specifically in a table of dependency status questions : View text-only version ", "Dependency Status Questions on the 2020 21 FAFSA Form \n* Answer \" No \" you are not a veteran if you 1 have never engaged in active duty including basic training in the U.S. armed forces , 2 are currently a Reserve Officers Training Corps ROTC student or a cadet or midshipman at a service academy , 3 are a National Guard or Reserves enlistee activated only for state or training purposes, or 4 were engaged in active duty in the U.S. armed forces but released under dishonorable conditions. Also answer No if you are currently serving in the U.S. armed forces and will continue to serve through June 30 , 2021. * Answer \" Yes \" you are a veteran if you 1 have engaged in active duty including basic training in the U.S. armed forces or are a National Guard or Reserves enlistee who was called to active duty for other than state or training purposes, or were a cadet or midshipman at one of the service academies and 2 were released under a condition other than dishonorable. Also answer Yes if you are not a veteran now but will be one by June 30 , 2021. * * If you do not have a determination that you are homeless , but you believe you are an unaccompanied youth who is homeless or self - supporting and at risk of being homeless , answer No to the FAFSA questions concerning being homeless. Then contact your financial aid office to explain your situation. Homeless means lacking fixed or regular housing. You may be homeless if you are living in shelters, parks, motels, hotels, cars, or temporarily living with someone else because you have nowhere else to go. ", "What if I answered \"Yes\" to one or more of the questions above? \nIf so , then for federal student aid purposes , you re considered to be an independent student and will not provide information about your parents on the FAFSA form.  What if I answered \"No\" to every question? \nIf so , then for federal student aid purposes , you re considered to be a dependent student , and you must provide information about your parents on the FAFSA form. Not living with parents or not being claimed by them on tax forms does not make you an independent student for purposes of applying for federal student aid. Note : Law school and health profession students may be required to provide parent information regardless of their dependency status. The parent information is used in determining eligibility for programs such as Health Professions Student Loans from the U.S. Department of Health and Human Services. Try This Resource Am I Dependent or Independent? Worksheet to help students determine their dependency status when filling out the FAFSA form.  Which parent s information should I report on the FAFSA form? \nIf your legal parents are married to each other, or are not married to each other and live together , you should report information about both of them on your FAFSA form. Your legal parents are your biological or adoptive parents, or your parents as determined by the state for example, if the parent is listed on your birth certificate. However , we recognize that many situations are a little more complicated, so we ve provided information on how to figure out which parent should provide information on the FAFSA form. Try This Resource Who s My Parent When I Fill Out My FAFSA? Graphic that helps dependent students determine which parent's information to include on the FAFSA form. ", "What if I don t live with my parents? \nYou still must answer the questions about your parents if you re considered a dependent student.  What if my parents aren t going to help me pay for college and refuse to provide information for my FAFSA form? \nYou can t be considered independent of your parents just because they refuse to help you with this process. If you do not provide their information on the FAFSA form , the application will be considered rejected , and you might not be able to receive any federal student aid. The most you would be able to get depending on what the financial aid office at your college decides would be a loan called an unsubsidized loan. The FAFSA instructions will tell you what to do if you are in this situation. Learn more about how to fill out the FAFSA form when your parents aren t supporting you and won t provide their information.  What if I have no contact with my parents? \nIf you have no contact with your parents and don t know where they live , or you ve left home due to an abusive situation , fill out the FAFSA form and then immediately get in touch with the financial aid office at the college or career school you plan to attend. The financial aid staff will tell you what to do next. Learn more about how to fill out the FAFSA form if you have special circumstances that prevent you from providing parent information.", "Direct PLUS Loan Application for Graduate/Professional StudentsWilliam D. Ford Federal Direct Loan ProgramFederal Direct PLUS Loan Request for Supplemental Information \n\n\nWhat is a Direct PLUS Loan Application for Graduate/Professional Students? \nThis 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. Some schools may have a different process for obtaining the additional information needed to process your Direct PLUS Loan application. The information that you provide will be sent to the school that you select. The school you select will use the information collected to determine your eligibility for a Direct PLUS Loan and process your application. Before you can receive a Direct PLUS Loan , you must complete a Direct PLUS Loan Master Promissory Note Direct PLUS Loan MPN, which explains all of the terms and conditions of Direct PLUS Loans and constitutes your legally binding agreement to repay all Direct PLUS Loans that you receive under the Direct PLUS Loan MPN. You will have an opportunity to complete the Direct PLUS Loan MPN after you complete the Direct PLUS Loan Request. The Direct PLUS Loan Application allows you to authorize the school to use your loan funds to satisfy other educationally related charges after tuition and fees, and room and board have been paid. You are not required to provide this authorization. BEFORE YOU CONTINUE: If you have placed a security freeze on your credit file , 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. \n\nApply for a PLUS Loan \nLOG IN TO START Start Demo", "Students with criminal convictions have limited eligibility for federal student aid. \nMake sure you understand your status, and don t assume you can t get aid. Your eligibility for federal student aid can be affected by incarceration and/or the type of conviction you have. Try This Resource Federal Student Aid Eligibility for Students Confined in Adult Correctional or Juvenile Justice Facilities Provides information for incarcerated individuals on federal student aid eligibility.  If I m incarcerated, can I get federal student aid? \nYou have limited eligibility for federal student aid. Once you re released , most eligibility limitations will be removed. In fact , you may apply for aid before you re released so your aid is processed in time for you to start school. However , if your incarceration was for a drug - related offense or if you are subject to an involuntary civil commitment for a sexual offense , your eligibility may be limited.  If I m on probation or parole, can I get federal student aid? \nYes ; if you are on probation or parole or living in a halfway house, you may be eligible for federal student aid. But remember , if you were convicted of a drug - related offense or if you are subject to an involuntary civil commitment for a sexual offense, your eligibility may be limited.  Is it true that drug convictions might affect my ability to get federal student aid? \nYes ; your eligibility might be suspended if the offense occurred while you were receiving federal student aid grants, loans, or work - study. When you complete the FAFSA form , you will be asked whether you had a drug conviction for an offense that occurred while you were receiving federal student aid. If the answer is yes , you will be provided a worksheet to help you determine whether your conviction affects your eligibility for federal student aid. If your eligibility for federal student aid has been suspended due to a drug conviction , you can regain eligibility early by successfully completing an approved drug rehabilitation program or by passing two unannounced drug tests administered by an approved drug rehabilitation program. If you regain eligibility during the award year , notify your financial aid office immediately so you can get any aid you re eligible for. If you are convicted of a drug - related offense after you submit the FAFSA form , you might lose eligibility for federal student aid , and you might be liable for returning any financial aid you received during a period of ineligibility. ", "What other convictions might affect my aid? \nIf you have been convicted of a forcible or nonforcible sexual offense, and you are subject to an involuntary civil commitment upon completion of a period of incarceration for that offense , you cannot receive a Federal Pell Grant.", "Types of Financial Aid \nFinancial aid is money to help pay for college or career school. Grants, work - study, loans, and scholarships help make college or career school affordable. A variety of financial aid sources are available to help you pay for college or career school Grants Scholarships Work-Study Jobs Loans Aid for Military Families Aid for International Study Aid and Other Resources From the U.S. Federal Government Aid From Your State Government Aid From Your College or Career School  A variety of financial aid sources are available to help you pay for college or career school. \nshare link Financial aid can come from federal, state, school, and private sources to help you pay for college or career school. Besides financial aid , you should also think about what you can do to lower your costs when you go to college.  Types of Federal Student Aid Video \nCheck out this video to learn about federal grants, loans, and work - study jobs and how they can help fund your education. Captioning available in English and Spanish; just start the video and click on the CC symbol at the bottom. View accessible version wmv  Grants \nshare link A grant is a form of financial aid that doesn t have to be repaid unless, for example, you withdraw from school and owe a refund, or you receive a TEACH Grant and don t complete your service obligation. A variety of federal grants are available, including Pell Grants, Federal Supplemental Educational Opportunity Grants FSEOG, Teacher Education Assistance for College and Higher Education TEACH Grants, and Iraq and Afghanistan Service Grants. LEARN ABOUT GRANTS ", "Scholarships \nshare link Many nonprofit and private organizations offer scholarships to help students pay for college or career school. This type of free money, which is sometimes based on academic merit, talent, or a particular area of study, can make a real difference in helping you manage your education expenses. LEARN ABOUT SCHOLARSHIPS  Work-Study Jobs \nshare link The Federal Work - Study Program allows you to earn money to pay for school by working part - time. LEARN ABOUT WORK-STUDY  Loans \nshare link When you receive a student loan , you are borrowing money to attend a college or career school. You must repay the loan as well as interest that accrues. It is important to understand your repayment options so you can successfully repay your loan. LEARN ABOUT LOANS", "Program Reviews \nAs part of its oversight duties , Federal Student Aid FSA routinely conducts program reviews to confirm that a school meets FSA requirements for institutional eligibility, financial responsibility, and administrative capability. During a program review , reviewers evaluate the school s compliance with FSA requirements, assess liabilities for errors in performance, and identify actions the school must take to improve its future administrative capabilities. After completing a program review , Federal Student Aid issues a Final Program Review Determination FPRD, which is a report that includes each finding identified in the program review report, the school's response, and the Department s final determination. The FPRD also identifies liabilities, if any, calculated based on the findings of the program review; provides instructions for the payment of liabilities, as appropriate; notifies the institution of its right to appeal the existence and amount of any liabilities identified, as appropriate; and closes the program review, if appropriate. The FPRD may or may not require additional action by the institution. Future FPRDs will be posted regularly. Below are the Final Program Review Determinations and Expedited Determination Letters issued in FY2019 FY2018 FY2017 FY2016 FY2015 FY2014 FY2013 To access all documents associated with focused - Clery Act reviews , visit the \" Clery Act Reports \" page. To locate Final Program Review Determinations from completed third - party servicer program reviews , visit the \" Third - party Servicer Program Reviews \" page. An overview of the top program review and audit findings by fiscal year is also available. These annual reports detail by frequency the most common findings identified in the annual compliance audits conducted by independent auditors, and identified through program reviews conducted by the Department of Education at institutions of higher education.", "Meet Aidan (Beta) \nIntroducing Aidan, a virtual assistant that can answer questions about federal student aid. Aidan uses advanced technology artificial intelligence and natural language processing to answer your most common questions. Whether you want to find out your current loan account balance, learn more about grants, or get help contacting your loan servicer , Aidan is here to help you find an answer.  Aidan can currently assist you with the following tasks: \nAnswering your common financial aid questions \nYou could type : \" What kind of grants are available to pay for college? \"  Quickly finding pages on our website \nJust type : \" Where is \"  Retrieving loan balance on your account \nSimply type: \" What is my account balance? \"  Making a payment on the spot \nYou could type: Make a payment  Understanding your repayment plan \nYou could type: What s my repayment plan?  Finding customer support information \nYou can type: \" Find contact info \"  Finding your loan servicer(s) \nType : \" Who is my servicer? \"  Aidan Is Always Learning \nThe virtual assistant is still in the early stages of development beta mode , so Aidan is still learning and acquiring new skills. Be sure to check back in the future to discover new ways that Aidan can help you navigate the student aid process!  Frequently Asked Questions About Aidan \nAre my conversations with Aidan recorded? \nYes , we keep a record of your conversations with Aidan. Your interactions will help us to improve quality assurance, maintain an accurate log of your requests, and identify new skills for Aidan to learn. ", "Can someone else use Aidan using my phone or computer? \nNo , not if you protect your username and password. Be sure to log out of your account each time you are done chatting with Aidan. Also , never share your account username and password , and keep your personal account information private.  Is Aidan secure and private? \nYes. Federal Student Aid will handle and store the data from your interactions with Aidan securely, and will never share it with third parties. Review our privacy policy for more information.  Which languages can Aidan speak? \nAt the moment , Aidan speaks only English.  How to Find Aidan \nCurrently , Aidan beta version is available only to a pilot group of users when they are logged in to their accounts. To see if you are one of those users , simply log in to your account , and then look for the Aidan owl icon in the bottom right - hand corner of any page of the site on either your desktop or mobile device. If you don t see the Aidan icon , please check back in the future as we roll out this new service to a wider audience.", "What is a Co-Signer? \nA co - signer is the spouse of an applicant who initiated an Income - Driven Repayment Plan Request. As a co - signer you are not obligated to repay this loan by signing a borrower's IDR application. The IDR applicant should have provided you with a Reference Number / Co - sign Code. If you do not have the Reference Number / Co - sign Code , contact 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. Directions to access the Reference Number / Co - sign Code If the applicant completed an Income - Driven Repayment Plan Request that was not part of a Direct Consolidation Loan Application , he or she will click on \" Income - Driven Repayment Plan Requests \" under \" My Loan Documents \" to locate and provide you with the Reference Number you need. If the applicant completed an Income - Driven Repayment Plan Request as part of a Direct Consolidation Loan Application , he or she will click on \" Direct Consolidation Loan Applications \" under \" My Loan Documents \" to locate and provide you with the Co - sign Code you need. Co - sign Income - Driven Repayment IDR Plan Request LOG IN TO START ", "Who should complete this? \nSpouse of an applicant who initiated an Income - Driven Repayment Plan Request.  How long will it take? \nThe entire Co - Sign process must be completed in a single session. Most people complete the Co - Sign process in 10 minutes.  What do I need? \nYou must be logged in with your own unique FSA ID in order to Co - Sign the applicant's IDR Request. Verified FSA ID Reference Number/Co-Sign Code The IDR applicant's SSN Financial Information Note: only if you file income taxes separately from your spouse", "After you submit your Free Application for Federal Student Aid (FAFSA) form, you ll get a Student Aid Report that summarizes the information you provided on your application. \nReview your Student Aid Report carefully to make sure it s correct and complete. Your Student Aid Report SAR is a paper or electronic document that gives you some basic information about your eligibility for federal student aid as well as listing your answers to the FAFSAquestions.  How and when will I get my SAR? \nWhether you receive your SAR online or on paper depends on whether you provide an email address on your FAFSA form. If you provide a valid email address , you ll receive an email from noreply@FAFSA.gov with instructions on how to access an online copy of your SAR. If you don't provide a valid email address on your FAFSA form , you will receive either a SAR or a SAR Acknowledgement via postal mail. The SAR lists your FAFSA information and provides space for you to make corrections. You will receive a paper SAR if you file a paper FAFSA form and don t provide an email address. The SAR Acknowledgement lists your FAFSA information, but you ll need to make any corrections at fafsa.gov. You ll receive a SAR Acknowledgement if you file an electronic FAFSA form and don t provide an email address. If you have an FSA ID username and password and your FAFSA information has been processed , you can log in at fafsa.gov to view SAR information regardless of whether you filled out the FAFSA form online, on the myStudentAid app, or on a FAFSA PDF or whether you provided an email address or not. you list on your FAFSA form The school will have access to your SAR data electronically within a day after it is processed. Here s a summary of what you ll receive, and how soon after filing your FAFSA form, based on what type of FAFSA form you file. * The time frames in this table indicate how long it takes for the SAR to arrive after the FAFSA form is submitted. View accessible version of table ", "What information does a SAR contain? \nIf your application is complete , an Expected Family Contribution EFC will display in the upper right - hand corner of your SAR. If your application is incomplete, your SAR will not include an EFC , but it will tell you what you need to do to resolve any issues. The SAR also contains a four - digit Data Release Number DRN, which appears on the first page in the upper right corner of the paper SAR and SAR Acknowledgement. On the electronic SAR , the DRN is located in the box that contains the Application Receipt date, below the EFC. You will need the DRN if you choose to allow your college or career school to change certain information on your FAFSA form. Your SAR might also contain a note indicating that you ve been selected for verification. Find out what to do if you ve been selected for verification.  What am I supposed to do with my SAR? \nWhen you get your SAR , review it carefully to make sure it s correct and complete. The school you listed on your FAFSA form will use your information to determine your eligibility for federal and possibly nonfederal financial aid. A school may ask you to verify the accuracy of your FAFSA data , so you need to be sure the information is correct. If you don t have any changes to make to the information listed on your SAR , just keep it for your records. ", "What if I find a mistake on my SAR? \nIf you review your SAR and find a mistake , you will need to correct or update your FAFSA form.  How do I get a copy of my SAR? \nOnce your FAFSA form or FAFSA correction has been processed , you can get a copy of your SAR by logging in to fafsa.gov using your FSA ID and selecting the View or Print your Student Aid Report SAR \" option near the middle of the My FAFSA \" page ; or contacting the Federal Student Aid Information Center at 1 - 800 - 4-FED - AID 1 - 800 - 433 - 3243; TTY for the deaf or hard of hearing 1 - 800 - 730 - 8913 and requesting a copy be sent to you via U.S. mail allow 10 14 days for delivery.", "You may still be eligible to receive a Direct PLUS Loan. To become eligible , you may take one of the following actions : An endorser is someone who does not have an adverse credit history and agrees to repay the loan if you do not repay it. The endorser may not be the student on whose behalf you are requesting the Direct PLUS Loan. The information causing the adverse credit decision is incorrect. There are extenuating circumstances relating to the adverse credit history. Note: Endorsers aren't eligible for this option. AND Complete PLUS Credit Counseling. Provide a statement that contains an explanation of your extenuation circumstances and the documentation applicable / appropriate to support your claim. The Secretary is able to use discretion and, based on your circumstances, consider whether extenuating circumstances allow you to qualify for a loan. The information below is a non - exhaustive list of examples of extenuating circumstances. If you believe that your situation fits within these examples, or presents a situation that otherwise qualifies for extenuating circumstances , review the information under Proof of Extenuating Circumstances to determine if your circumstances could qualify you for review. Review does not guarantee approval. Previous approval based on extenuating circumstances does not guarantee further approvals. Additional documentation may be required beyond the basic requirements listed below. Loss of a job , poor economy , etc. alone are generally not considered extenuating circumstances. You have one or more of the debts listed above with a combined total outstanding balance greater than or equal to $2,085. Debts listed above are not considered to be adverse credit if the combined total outstanding balance of those debts is less than $2,085. ", "Description \nCharged Off Account : Any account open or closed that has been charged off written off during the two years preceding the date of the credit report with a balance greater than zero. Collection Account : Any account open or closed that has been placed in collection during the two years preceding the date of the credit report with a balance greater than zero. 90 or More Days Delinquent on any Debt : Any open account that is currently 90 or more days past due.  Proof of Extenuating Circumstances \nBorrower is authorized user on the account. Account has been paid in full. Satisfactory repayment arrangement has been established and six months of voluntary, consecutive, on - time, full monthly payments have been made. Example of documentation for the above : Documentation on creditor company letterhead documenting one of the above. Account / debt included in a Chapter 13 Bankruptcy. Required documentation: Final Order from the bankruptcy court indicating the account in question is included in the bankruptcy. Debt Consolidation. Required documentation: A letter from the debt consolidation company on the company's letterhead showing all accounts included in the debt consolidation. Proof that six months of voluntary, consecutive, on - time, full monthly payments have been made. Divorce. Required documentation: Final Divorce Decree showing that the borrower is not responsible for repayment of the debt in question. Acceptable only for 90 or More Days Delinquent on any Debt : Federal student loan has been consolidated. Required documentation: Proof of consolidation: Letter from current lender showing loan in question was consolidated and the consolidation loan is not delinquent. Letter from prior lender showing loan was bought through a consolidation and the consolidation loan is not delinquent. Federal loan is no longer in default. Required documentation: Documentation on loan holder / servicer letterhead verifying that borrower has either made satisfactory repayment arrangements on the loan or has rehabilitated the loan. ", "Description \nBorrower's wages have been garnished in the past 5 years preceding the date of the credit report.  Proof of Extenuating Circumstances \nGarnishment has been released. Required documentation: Documentation on official letterhead showing the garnishment was released or paid in full.  Description \nBorrower has had a repossession or an involuntary repossession within the past 5 years preceding the date of the credit report.  Proof of Extenuating Circumstances \nAccount has been paid in full. Satisfactory repayment arrangement has been established and six months of voluntary, consecutive, on - time, full monthly payments have been made. Borrower is authorized user on the account. Example of documentation for the above : Documentation on creditor company letterhead documenting one of the above. Divorce. Required documentation: Final Divorce Decree showing that the borrower is not responsible for repayment of the debt in question. Car loan has been reinstated. Required documentation: Documentation on creditor letterhead showing borrower is still responsible for paying the loan. Six months of voluntary , consecutive , on - time , full monthly payments have been made.  Description \nAny Title IV debt that is currently in default.  Proof of Extenuating Circumstances \nFederal student loan has been consolidated. Required documentation: Letter from current lender showing loan in question was consolidated. Letter from prior lender showing loan was bought through a consolidation. The consolidation loan is not delinquent. Loan is no longer in default. Required documentation: Documentation on loan holder / servicer letterhead verifying that borrower has either made satisfactory repayment arrangements on the loan or has rehabilitated the loan. ", "Description \nMortgage account has the loan listed as having the foreclosure process started.  Proof of Extenuating Circumstances \nDivorce. Required documentation: Final Divorce Decree showing that the borrower is not responsible for repayment of the debt in question. Loan Modification Agreement. Required documentation: Finalized signed and notarized modification paperwork and proof of payment in accordance with the modification agreement. Mortgage is Paid-in-Full. Required documentation: Release of Deed from the lender. Short Sale has been approved and completed. Required documentation: Notarized final HUD-1 statement.  Description \nDeed in Lieu is being reported in the past 5 years preceding the date of the credit report.  Proof of Extenuating Circumstances \nDivorce. Required documentation: Final Divorce Decree showing that the borrower is not responsible for repayment of the debt in question. Mortgage is Paid-in-Full. Required documentation: Release of Deed from the lender. Short Sale has been approved and completed. Required documentation: Notarized final HUD-1 statement. Timing Issue regarding deed in lieu. Required documentation: Proof from Mortgage Company that Deed in Lieu is over 5 years old.  Description \nBorrower has had a foreclosure in the past 5 years preceding the date of the credit report.  Proof of Extenuating Circumstances \nShort Sale has been approved and completed. Required documentation: Notarized final HUD-1 statement. Mortgage was paid in full before foreclosure. Required documentation: Cancellation of Sherriff Sale. Release of Deed from the lender. Timing issue regarding foreclosure. Required documentation: Proof from Mortgage Company that foreclosure is over 5 years old. ", "Description \nBorrower has a discharged Chapter 7 , 11 or 12 Bankruptcy in the past 5 years preceding the date of the credit report.  Proof of Extenuating Circumstances \nTiming issue regarding bankruptcy. Required documentation: Discharge paperwork that shows bankruptcy was discharged over 5 years ago. Bankruptcy chapter conversion. Required documentation: Discharge paperwork or paperwork showing that a Chapter 7 , 11 or 12 bankruptcy has been converted into a Chapter 13 bankruptcy.  Description \nBorrower has a State, County or Federal Tax Lien in the last 5 years preceding the date of the credit report regardless of file date.  Proof of Extenuating Circumstances \nSatisfactory repayment arrangement has been established and six months of voluntary, consecutive, on - time, full monthly payments have been made. Required documentation: Documentation on official letterhead documenting one of the above. Account / debt included in a Chapter 13 Bankruptcy. Required documentation: Final Order from the bankruptcy court indicating the account in question is included in the bankruptcy. Lien was incorrectly filed. Required documentation: Letter on official letterhead showing that the lien was filed in error. This is sometimes in the form of a release. Lien has been released. Required documentation: Copy of the actual release. Proof of payment. If you have reviewed the information above and no longer wish to document extenuating circumstances , you have the following options : Obtain an endorser and complete PLUS Credit Counseling. Notify the school's financial aid office of your decision. Not pursue a Direct PLUS Loan at this time. Contact the school's financial aid office to discuss other options that may be available. We will send emails to the e - mail address you provided. To prevent our e - mails from going to your spam or junk mailbox , add StudentLoanSupport@ed.gov to your trusted senders list.", "Gainful Employment Information \nGenerally , in order to be eligible for funding under the Higher Education Act Title IV student assistance programs , an educational program must lead to a degree at a non - profit or public institution or it must prepare students for \" gainful employment in a recognized occupation. \" Therefore , with very few exceptions , any non - degree program offered by non - profit or public institutions and all educational programs offered at for - profit institutions must lead to gainful employment. Subpart Q of the Student Assistance General Provisions establishes Debt - to - Earnings rates D / E rates to determine whether a gainful employment GE program prepares students for gainful employment in a recognized occupation. A D / E rate is based on the typical loan debt and earnings of a cohort of the program s former students who completed the program, usually those who completed during a two - year period concluding two years prior to the D / E rate calculation year. This delay is to account for the ramping up of the students earnings upon completion of the program. Two D / E rates, the Annual Earnings Rate and the Discretionary Income Rate, are calculated for each program as a measure of the ability of program completers to reasonably repay the educational debt incurred for their attendance in the program. For the Annual Earnings Rate , the numerator is the calculated annual loan payment amount an estimate of the annual loan repayment amount based on the median educational debt of the members of the cohort. The denominator is the higher of the cohort s mean or median earnings obtained from the Social Security Administration SSA. The Discretionary Income Rate uses the same annual loan payment amount in the numerator as the Annual Earnings Rate but the denominator is the higher of the mean or median earnings minus 150% of the poverty guideline. Annual Earnings Rates of less than or equal to 8% are considered passing rates. Annual Earnings Rates greater than 8% but less than or equal to 12% are zone rates , and Annual Earnings Rates greater than 12% are failing rates. For the Discretionary Income Rate , rates less than or equal to 20% are passing rates, rates greater than 20% but less than or equal to 30% are zone rates , and rates greater than 30% are failing rates. ", "Debt-to-Earnings (D/E) Rate Data \nD / E rate data is available for the 2015 debt measure year. Information on the Debt to Earnings data spreadsheet includes institution information, program information, D / E Annual Earnings Rates and D / E Discretionary Income Rates including transitional rates for relevant programs with the numbers used to calculate those rates, earnings data, and program appeal status. On April 25 , 2018, program appeal status information was updated to reflect decisions made to date ; some appeals remain subject to review and, consequently, no decisions have been made. Appeals classified as abandoned represent those instances in which a school submitted a notice of intent to appeal but did not subsequently submit required information by the deadline. Appeals classified as approved are instances in which the schools met the requirements for the U.S. Department of Education to grant the program appeals. As of April 25 , 2018 , no appeals that have been reviewed have been denied. On 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. A double asterisk * * indicates that the program rates were recalculated after the final rates were issued to correct for errors in the data reported to the NSLDS database. Glossary of Terms used in the D / E data spreadsheet Download the Debt to Earnings data spreadsheet ", "Earnings Data \nAs described above , the SSA calculates and returns to the U.S. Department of Education the Department the mean and median annual earnings of a cohort of students who completed the GE program during a specified cohort period. At least 10 completers from a program must be matched for SSA to return mean and median earnings information for disclosure purposes, while there must be at least 30 students in the cohort sent to SSA for the Department to calculate D / E rates. In calculating a GE program's D / E rates , the Department uses the higher of the SSA - reported mean or median earnings. SSA does not provide the Department individual earnings data or the identity of any students. Earnings data from the 2014 calendar year is available for informational purposes only. Information on the GE program earnings data spreadsheet includes OPEID and institution name, program identifiers Classification of Instructional Program CIP code, credential level, and CIP code program name, the number of completers matched with earnings data by SSA, along with both the mean and median SSA earnings for the GE program. Download the GE program earnings data.  2011 GE Informational Rate Data \n2011 GE Informational Rate data is also available. This data was prepared to provide institutions and the Department with preliminary information about the performance of institutions' GE programs based on the 2011 GE regulations, which have since been vacated. 2011 Gainful Employment Informational Rate Downloadable Spreadsheet", "Who s My Student Loan Servicer? \nLearn about the role that student loan servicers play in the repayment process and which servicer handles your federal student loans.  What Loan Servicers Do \nA loan servicer is a company that we assign to handle the billing and other services on your federal student loan on our behalf, at no cost to you. Your loan servicer will work with you on repayment options such as income - driven repayment plans and loan consolidation and will assist you with other tasks related to your federal student loans. Keep your contact information up to date so your loan servicer can help you stay on track with repaying your loans. If your circumstances change at any time during your repayment period , your loan servicer will be able to help. Never pay an outside company for help with your federal student loans. Your loan servicer will help you for FREE. Contact your servicer to apply for income - driven repayment plans, student loan forgiveness, and more.  Loan Servicer Assignment \nWe will assign your loan to a loan servicer after your loan amount is first disbursed paid out. Your loan servicer will contact you after that.  Identifying Your Servicer \nThe following are loan servicers for loans that the U.S Department of Education ED owns. To find out who your loan servicer is , call the Federal Student Aid Information Center FSAIC at 1 - 800 - 433 - 3243. ", "Whom to Contact for Loan Information \nIf your loan is for the current or upcoming school year , contact your school s financial aid office directly for information about loan status, the timeframes for cancelling all or part of your loan or loan disbursement , and loan disbursement amounts and timing. Only your school's financial aid office can provide this information. If your loan was disbursed in a past school year and you re still in school , keep your contact information up to date with your school and contact your loan servicer when you withdraw, graduate, drop below half - time enrollment , or stop going to school. If you re no longer in school , contact your loan servicer when you change your name, address, or phone number ; need help making your loan payment ; have a question about your bill ; or have other questions about your student loan.  Contact Information for Loans Not Owned by ED \nIf you have FFEL Program loans that are not owned by ED , contact your servicer for details about repayment options and tools. Not sure who your servicer is? Look for the most recent communication from the entity sending you bills for your loan payments. If you have Federal Perkins Loans that are not owned by ED , contact the school where you received your Federal Perkins Loan for details about repaying your loan. Your school may be the servicer for your loan. If you have HEAL Program loans and you re not in default , contact your loan servicer for help with account - related questions. Use the contact information your loan servicer provided to you. Not sure who your servicer is? Look for the most recent communication from the entity sending you bills for your loan payments. If you have HEAL Program loans and you re in default , contact the Debt Collection Center for help with account - related questions : For mail sent via U.S. Postal Service: Accounting Services , Debt Collection Center Mailstop 10230B 7700 Wisconsin Avenue , Suite 8 - 8110D Bethesda, MD 20857 For mail sent via UPS or FedEx : HHS Program Support Center Accounting Services , Debt Collection Center Mailstop Seventh Floor 7700 Wisconsin Avenue , Suite 8 - 8110D Bethesda, MD 20814Phone : 301 - 492 - 4664 ", "Understanding Loan Transfers \nIn some cases , we need to transfer loans from one servicer to another servicer. If we transfer your federal student loans from one servicer to another servicer , your loans will still be owned by ED. The transfer to another servicer simply means that a new servicer will provide the support you need to fully repay your loans. Here s what you should expect if your loan is transferred to a new servicer : You will receive an email or a letter from your assigned servicer to inform you about the transfer. You will receive a welcome letter from the new servicer after the new servicer receives your loans. This notice will provide you with the contact information for the new servicer and inform you of actions that you may need to take. All of your loan information will be transferred from your assigned servicer to your new servicer , but you may only be able to see online information that covers the period since your new servicer took your loans over. There will be no change in the terms of your loans. Your previous loan servicer and new loan servicer will work together to make sure that all payments you make during the transfer process are credited to your loan account with the new servicer. After you receive the welcome letter from your new servicer , you should do the following : Begin sending your loan payments to your new servicer. If you use a bank or bill paying service to make your loan payments , update the new servicer s contact information with the bank or bill paying service. Follow the new servicer s instructions for creating an online account so that you can more easily communicate with the new servicer and keep track of your loan account. ", "Avoid Paying for Federal Student Loan Assistance \nYou don t have to pay to receive help with loan services such as consolidating your federal student loans or applying for an income - driven repayment plan. If you are contacted by a company asking you to pay enrollment, subscription, or maintenance fees to enroll you in a federal repayment plan or forgiveness program , you should walk away. These services and more can be completed by your servicer for free! Want to learn more? Read our blog post called Don t Be Fooled: You Never Have to Pay for Student Loan Help.", "If you withdrew from school and the school didn t make a required return of loan funds to the loan servicer, you might be eligible for a discharge of your federal student loans. \nLearn more about the unpaid refund discharge to see whether you might qualify. If you withdrew from school after receiving a loan made under the William D. Ford Federal Direct Loan Direct Loan Program or Federal Family Education Loan FFEL Program , the school may have been required under federal regulations to return some or all of the loan money to your loan servicer. If the school didn t make a required return of the loan funds after you withdrew , you might be eligible for a discharge of the portion of your loan that the school failed to return.  How do I apply for unpaid refund discharge? \nIf the school that you attended is still open , you should contact that school and attempt to resolve the issue with the school before applying for an unpaid refund discharge. If the school that you attended has closed , you should first determine if you may be eligible for a closed school discharge instead. Contact your loan servicer for more information. Find out who your loan servicer is by logging in to My Federal Student Aid. If you re ready to apply for the unpaid refund discharge , you must complete the Loan Discharge Application: Unpaid Refund and send the completed form to your loan servicer. ", "How much of my loan will be discharged if I m approved for a loan discharge? \nOnly the portion of your loan that your school should have returned will be discharged. Contact your loan servicer for more information.  I m a parent who received a Direct PLUS Loan to help pay for my child s education. Can my loan be discharged due to unpaid refund? \nYes , if your child withdrew from school but the school didn t make a required return of your parent PLUS loan funds , the amount of the loan that the school should have returned will be discharged. Contact your loan servicer for more information.", "Try Loan Simulator \nLoan Simulator is a new tool to help you make decisions about your student loans. Use it to find a repayment plan that meets your needs and goals or to decide whether to consolidate.  Hi \n. \nLet's get started. \nWe will guide you through a series of questions based on your selection below.  I Want to Find the Best Repayment Strategy \nWe will recommend a repayment plan based on your needs and goals and help you explore options like making extra payments or consolidating your loans. Log In and Start Or Start From Scratch See how you can lower your payment. See how you can pay off your loans faster. Decide whether to consolidate.  I'm Struggling With My Payments \nDecide whether you want to temporarily stop payments or lower your monthly payment instead. Log In and Start Or Start From Scratch Consider a new repayment plan instead of suspending payments. Find out about the impacts of suspending payments. Learn how to avoid loan default.  I Want to Simulate Borrowing More Money \nFind out what happens when you borrow more money to pay for educational expenses, returning to school, or finishing your studies later than expected. Coming Soon Or Start From Scratch Explore impacts when you borrow more. Find out about federal loan limits. See how choice of school affects how much you may need to borrow.  How Accurate Is Loan Simulator? \nTo get the most realistic results , provide complete and accurate information when using Loan Simulator. Keep in mind , this tool can t predict your future payments with 100% accuracy. In order to make these predictions , Loan Simulator makes several assumptions as it calculates monthly repayment amounts. Important: Results of Loan Simulator are for informational purposes only and should not be considered financial advice. You are encouraged to review all available options and make decisions about borrowing and repayment that align with your individual goals. Learn more about Loan Simulator calculations. ", "Help Us Build This Tool \nContact us to share your feedback, ask questions, and request new features.  Share Loan Simulator \nWe invite you to share this tool with friends and family.", "Wondering how the amount of your federal student aid is determined? \nThe colleges or career schools you list on your Free Application for Federal Student Aid FAFSA form will use several pieces of information to calculate your aid. So, you ve filed your FAFSAform, and you ve checked your Student Aid Report to be sure all your information is correct , and now you re wondering how that data is used to come up with the list of financial aid for which you re eligible.  If I meet the basic eligibility criteria for federal student aid, who decides how much money I ll get? \nHere s the short answer : Your eligibility depends on your Expected Family Contribution, your year in school, your enrollment status, and the cost of attendance at the school you will be attending. The financial aid office at your college or career school will determine how much financial aid you are eligible to receive. The financial aid staff starts by deciding upon your cost of attendance COA at that school. They then consider your Expected Family Contribution EFC. They subtract your EFC from your COA to determine the amount of your financial need and therefore how much need - based aid you can get. To determine how much non - need - based aid you can get , the school takes your cost of attendance and subtracts any financial aid you ve already been awarded. If you d like the long answer , keep reading! ", "What does cost of attendance (COA) mean? \nYour COA is the amount it will cost you to go to school. Most two - year and four - year colleges will calculate your COA to show your total cost for the school year for instance, for the fall semester plus the spring semester. Schools with programs that last a different period of time for instance, an 18-month certificate program might give you a COA that covers a time period other than a year. If you're attending at least half - time , your COA is the estimate of tuition and fees; the cost of room and board or living expenses for students who do not contract with the school for room and board ; the cost of books, supplies, transportation, loan fees, and miscellaneous expenses including a reasonable amount for the documented cost of a personal computer ; an allowance for child care or other dependent care ; costs related to a disability ; and/or reasonable costs for eligible study - abroad programs.  What s the Expected Family Contribution (EFC)? \nYour EFC is an index number that college financial aid staff use to determine how much financial aid you would receive if you were to attend their school. The information you report on your FAFSA form is used to calculate your EFC. The EFC is calculated according to a formula established by law. Your family's taxed and untaxed income, assets, and benefits such as unemployment or Social Security all could be considered in the formula. Also considered are your family size and the number of family members who will attend college or career school during the year. The EFC Formula guide shows exactly how an EFC is calculated. ", "What is need-based aid and how does my school figure out how much I ll get? \nYour college or career school first determines whether you have financial need by using this simple formula : Calculating Your Financial Need Cost of Attendance COA Expected Family Contribution EFC = Financial Need Need - based aid is financial aid that you can receive if you have financial need and meet other eligibility criteria. You can t receive more need - based aid than the amount of your financial need. For instance , if your COA is $16,000 and your EFC is 12000 , your financial need is $4,000 ; so you aren t eligible for more than $4,000 in need - based aid. The following are the need - based federal student aid programs : Federal Pell Grant Federal Supplemental Educational Opportunity Grant FSEOG Direct Subsidized Loan Federal Perkins Loan Federal Work-Study  What is non-need-based aid and how does my school figure out how much I ll get? \nYour school determines how much non - need - based aid you can get by using this formula : Calculating Your Non - need - based Aid Cost of Attendance COA Financial Aid Awarded So Far * = Eligibility for Non - need - based Aid * includes aid from all sources, such as the school, private scholarship providers, etc. Non - need - based aid is financial aid that is not based on your EFC. What matters is your COA and how much other assistance you ve been awarded so far. For instance , if your COA is $16,000 and you ve been awarded a total of $4,000 in need - based aid and private scholarships , you can get up to $12,000 in non - need - based aid. The following are the non - need - based federal student aid programs : Direct Unsubsidized Loan Federal PLUS Loan Teacher Education Access for College and Higher Education TEACH Grant", "The Graduated Repayment Plan starts with lower payments that increase every two years. \nPayments are made for up to 10 years between 10 and 30 years for consolidation loans. If your income is low now, but you expect it to increase steadily over time , this plan may be right for you.  Eligible Federal Loans \nThe following loans from the William D. Ford Federal Direct Loan Direct Loan Program and the Federal Family Education Loan FFEL Program are eligible for the Graduated Repayment Plan : Direct Subsidized Loans Direct Unsubsidized Loans Direct PLUS Loans Direct Consolidation Loans Subsidized Federal Stafford Loans Unsubsidized Federal Stafford Loans FFEL PLUS Loans FFEL Consolidation Loans  Monthly Payments for Federal Education Loans Except Consolidation Loans \nUnder this plan , your monthly payments start out low and increase every two years , are made for up to 10 years for all loan types except Direct Consolidation Loans and FFEL Consolidation Loans , will never be less than the amount of interest that accrues between your payments , and won t be more than three times greater than any other payment.  Monthly Payments for Consolidation Loans \nUnder this plan , your monthly payments start out low and increase every two years , are made for a period of between 10 and 30 years for Direct Consolidation Loans and FFEL Consolidation Loans , will never be less than the amount of interest that accrues between your payments , and won t be more than three times greater than any other payment. If you have a Direct Consolidation Loan or FFEL Consolidation Loan , the length of your repayment period will depend on the amount of your total education loan indebtedness. This total education loan indebtedness includes the amount of your consolidation loan and your other student loan debt. Other student loan debt includes any federal student loans that are not included in the consolidation loan, as well as private education loans that are not eligible for consolidation. The maximum amount of other student loan debt that may be considered in determining your repayment period may not exceed the loan amount you are consolidating. To include other student loan debt in the determination of the repayment period for your Direct Consolidation Loan , be sure to list those loans on your consolidation application in the section for listing loans that you do not want to consolidate, but want considered in the determination of your repayment period. The chart below shows the maximum repayment period for a Direct Consolidation Loan or FFEL Consolidation Loan under the Graduated Repayment Plan depending on total education loan indebtedness. ", "Using Loan Simulator to Estimate Your Eligibility and Payment Amount Under the Graduated Repayment Plan \nYour loan servicer, the company that handles the billing and other services on your federal student loan, can help you choose a loan repayment plan that s best for you. Before you contact your loan servicer to discuss repayment plans , use our Loan Simulator to get an early look at what repayment plans you may be eligible for and to receive a comparison of estimated monthly payment amounts for all federal student loan repayment plans. This comparison is important because the Graduated Plan may not provide you with the lowest payment amount based on your individual circumstances. You may find that your payment will be lower under another repayment plan.", "A school aid offer (sometimes called an award letter) tells you what financial aid you can receive at a particular college or career school. \nIf you ve applied to several schools , be sure to compare aid offers to see which school will be the most affordable. If you listed a school on your Free Application for Federal Student Aid FAFSA You might get a tentative aid offer from a school and then find that it changes later. This could happen for a variety of reasons, such as if you indicated that you plan to live on campus when you submitted your FAFSA form but then later decided to live off campus or if you are selected for verification. Because your financial aid package is created for you and is based on the cost of attending a particular school , your aid amounts will vary from school to school.  Figuring Out Net Price \nFollow these easy steps to figure out your net price, or net cost, for each school, and find out which school will be most affordable for you. First , find the cost of attendance for your program on the aid offer. If the school doesn t list the cost of attendance on the aid offer , ask the financial aid office for this figure. Make sure it includes amounts you will pay to the school directly such as tuition and fees as well as other costs such as living expenses, books and supplies, and transportation. Next , subtract the grant and scholarship amounts on your aid offer from the cost of attendance amount. Also subtract any savings you have available to put toward your school costs for the school year. The remaining amount is your net or out - of - pocket cost. Compare the net costs for the schools you are considering. The net cost is the amount you will have to pay out of your pocket, using earnings from work or loan funds that you borrow. If you have any questions or don t understand what s in your aid offer , contact the financial aid office at the school. They re there to help! For instance , it s important to understand what you re being offered e.g., which items in the offer are grants and which are loans. You also need to think about which aid to accept. Also , because your aid offer might include student loans , it s important for you to compare the amount of debt you would be taking on at the schools you are considering. If you find that you ll need to take out a larger amount in private loans at one school than at another , you should pay special attention to the terms and conditions of the private loans so you understand what your obligations would be. Read about federal versus private loans.", "If your federal student loan payments are high compared to your income, you may want to repay your loans under an income-driven repayment plan. \nMost federal student loans are eligible for at least one income - driven repayment plan. If your income is low enough , your payment could be as low as $0 per month. An income - driven repayment plan sets your monthly student loan payment at an amount that is intended to be affordable based on your income and family size. We offer four income - driven repayment plans : Revised Pay As You Earn Repayment Plan REPAYE Plan Pay As You Earn Repayment Plan PAYE Plan Income - Based Repayment Plan IBR Plan Income - Contingent Repayment Plan ICR Plan If you d like to repay your federal student loans under an income - driven plan , you need to fill out an application. Why pay for help with your federal student loans when your loan servicer will help you for FREE? Contact your servicer to apply for income - driven repayment plans, student loan forgiveness, and more. Learn more about loan servicers. If you're seeking Public Service Loan Forgiveness , you should repay your federal student loans under an income - driven repayment plan. Try This Resource Federal Student Loans : Repaying Your Loans Provides information about federal student loan repayment plan options, finding loan history and loan servicers, and making payments.  How is my monthly payment amount calculated under an income-driven repayment plan? \nGenerally , your payment amount under an income - driven repayment plan is a percentage of your discretionary income. The percentage is different depending on the plan. The chart below shows how payment amounts are determined under each income - driven plan. Depending on your income and family size , you may have no monthly payment at all. * For the IBR Plan , you're considered a new borrower on or after July 1 , 2014, if you had no outstanding balance on a William D. Ford Federal Direct Loan Direct Loan Program loan or Federal Family Education Loan FFEL Program loan when you received a Direct Loan on or after July 1 , 2014. Because no new FFEL Program loans have been made since June 30 , 2010, only Direct Loan borrowers can qualify as new borrowers on or after July 1 , 2014. ", "How do I estimate my payment amount? \nUse our Loan Simulator. Loan Simulator provides a comparison of estimated monthly payment amounts for all federal student loan repayment plans, including income - driven plans. This comparison is important because the income - driven plans may not provide you with the lowest payment amount based on your individual circumstances. Your payment may be lower under another repayment plan.  How long will I be in repayment under each plan? \nIncome - driven repayment plans have different repayment periods. Under all four plans , any remaining loan balance is forgiven if your federal student loans aren't fully repaid at the end of the repayment period. For any income - driven repayment plan , periods of economic hardship deferment , periods of repayment under certain other repayment plans , and periods when your required payment is zero will count toward your total repayment period. Whether you will have a balance left to be forgiven at the end of your repayment period depends on a number of factors, such as how quickly your income rises and how large your income is relative to your debt. Because of these factors , you may fully repay your loan before the end of your repayment period. Your loan servicer will track your qualifying monthly payments and years of repayment and will notify you when you are getting close to the point when you would qualify for forgiveness of any remaining loan balance. If you re making payments under an income - driven repayment plan and also working toward loan forgiveness under the Public Service Loan Forgiveness PSLF Program , you may qualify for forgiveness of any remaining loan balance after you've made 10 years of qualifying payments, instead of 20 or 25 years. Qualifying payments for the PSLF Program include payments made under any of the income - driven repayment plans. ", "Am I eligible for income-driven repayment? \nDefaulted loans are not eligible for repayment under any of the income - driven repayment plans. Find out how to get out of default.  REPAYE Plan \nAny borrower with eligible federal student loans can make payments under this plan.  PAYE and IBR Plans \nEach of these plans has an eligibility requirement you must meet to qualify for the plan. To qualify , the payment you would be required to make under the PAYE or IBR plan based on your income and family size must be less than what you would pay under the Standard Repayment Plan with a 10-year repayment period. If the amount you would have to pay under the PAYE or IBR plan based on your income and family size is more than what you would have to pay under the 10-year Standard Repayment Plan , you wouldn't benefit from having your monthly payment amount based on your income , so you don't qualify. Generally , you'll meet this requirement if your federal student loan debt is higher than your annual discretionary income or represents a significant portion of your annual income. In addition to meeting the requirement described above , to qualify for the PAYE Plan you must also be a new borrower. This means that you must have had no outstanding balance on a Direct Loan or FFEL Program loan when you received a Direct Loan or FFEL Program loan on or after Oct. 1 , 2007, and you must have received a disbursement of a Direct Loan on or after Oct. 1 , 2011. ", "ICR Plan \nAny borrower with eligible federal student loans can make payments under this plan. This plan is the only available income - driven repayment option for parent PLUS loan borrowers. Although PLUS loans made to parents can t be repaid under any of the income - driven repayment plans including the ICR Plan , parent borrowers may consolidate their Direct PLUS Loans or Federal PLUS Loans into a Direct Consolidation Loan and then repay the new consolidation loan under the ICR Plan though not under any other income - driven plan.  Will I always pay the same amount each month under an income-driven repayment plan? \nNo. Under all of the income - driven repayment plans , your required monthly payment amount may increase or decrease if your income or family size changes from year to year. Each year you must recertify your income and family size. This means that you must provide your loan servicer with updated income and family size information so that your servicer can recalculate your payment. You must do this even if there has been no change in your income or family size. Your loan servicer will send you a reminder notice when it s time for you to recertify. To recertify , you must submit another income - driven repayment plan application. On the application , you ll be asked to select the reason you re submitting the application. Respond that you are submitting documentation of your income for the annual recertification of your payment amount. Although you re required to recertify your income and family size only once each year, if your income or family size changes significantly before your annual certification date for example, due to loss of employment , you can submit updated information and ask your servicer to recalculate your payment amount at any time. To do this , submit a new application for an income - driven repayment plan. When asked to select the reason for submitting the application , respond that you are submitting documentation early because you want your servicer to recalculate your payment immediately. You re not required to report changes in your financial circumstances before the annual date when you must provide updated income information. You can choose to wait until your loan servicer tells you that you need to provide updated income information at the normally scheduled time. If you choose to wait , your current required monthly payment amount will remain the same until you provide the updated income information. ", "PAYE and IBR Plans \nUnder these plans , your monthly payment amount will be based on your income and family size when you first begin making payments, and at any time when your income is low enough that your calculated monthly payment amount would be less than the amount you would have to pay under the 10-year Standard Repayment Plan. If your income ever increases to the point that your calculated monthly payment amount would be more than what you would have to pay under the 10-year Standard Repayment Plan, you ll remain on the PAYE or IBR plan , but your payment will no longer be based on your income. Instead , your required monthly payment will be the amount you would pay under the 10-year Standard Repayment Plan, based on the loan amount you owed when you first began repayment under the PAYE or IBR plan. Even if your income continues to increase , your monthly payment will never be more than the 10-year Standard Repayment Plan amount. During any period when your monthly payment is not based on your income , you still have the option of recertifying your income and family size. If you recertify and your income or family size changes so that your calculated monthly payment would once again be less than the 10-year Standard Repayment Plan amount , your servicer will recalculate your payment and you ll return to making payments that are based on your income. ", "REPAYE and ICR Plans \nUnder the REPAYE and ICR Plans , your payment is always based on your income and family size, regardless of any changes in your income. This means that if your income increases over time, in some cases your payment may be higher than the amount you would have to pay under the 10-year Standard Repayment Plan.  What will happen if I don t recertify my income and family size by the annual deadline? \nIt s important for you to recertify your income and family size by the specified annual deadline. If you don t recertify your income by the deadline , the consequences vary depending on the plan. Under the REPAYE Plan , if you don t recertify your income by the annual deadline , you ll be removed from the REPAYE Plan and placed on an alternative repayment plan. Under this alternative repayment plan , your required monthly payment is not based on your income. Instead , your payment will be the amount necessary to repay your loan in full by the earlier of a 10 years from the date you begin repaying under the alternative repayment plan, or b the ending date of your 20- or 25-year REPAYE Plan repayment period. You may choose to leave the alternative repayment plan and repay under any other repayment plan for which you are eligible. Under the PAYE Plan, the IBR Plan, or the ICR Plan, if you don t recertify your income by the annual deadline , you ll remain on the same income - driven repayment plan , but your monthly payment will no longer be based on your income. Instead , your required monthly payment amount will be the amount you would pay under a Standard Repayment Plan with a 10-year repayment period, based on the loan amount you owed when you initially entered the income - driven repayment plan. You can return to making payments based on income if you provide your servicer with updated income information, and if your updated income still qualifies you to make payments based on income. In addition to the consequences described above , if you don t recertify your income by the annual deadline under the REPAYE, PAYE, and IBR plans , any unpaid interest will be capitalized added to the principal balance of your loans. This will increase the total cost of your loans over time, because you will then pay interest on the increased loan principal balance. Under all of the income - driven repayment plans , if you don t recertify your family size each year , you ll remain on the same repayment plan , but your servicer will assume that you have a family size of one. If your actual family size is larger, but your servicer assumes a family size of one because you didn t recertify your family size , this could result in an increased monthly payment amount or for the PAYE and IBR plans loss of eligibility to make payments based on income. ", "What types of federal student loans can I repay under an income-driven repayment plan? \nThe chart below shows the types of federal student loans that you can repay under each of the income - driven repayment plans. * If a loan type is listed as eligible if consolidated , this means that if you consolidate that loan type into a Direct Consolidation Loan, you can then repay the consolidation loan under the income - driven plan. For example , only Direct Loans can be repaid under the REPAYE, PAYE, and ICR plans. However , if you consolidate a FFEL Program Loan or Federal Perkins Loan into a Direct Consolidation Loan , you may then be able to repay the Direct Consolidation Loan under the REPAYE, PAYE, and ICR Plan depending on the type of loan that you consolidate. Note that consolidation is not the right choice for all borrowers or all loan types. In particular , you may lose certain loan benefits if you consolidate a Federal Perkins Loan. Find out more about loan consolidation. Only federal student loans can be repaid under the income - driven plans. Private student loans are not eligible.  Is an income-driven repayment plan right for me? \nIncome - driven repayment plans usually lower your federal student loan payments. However , whenever you make lower payments or extend your repayment period , you will likely pay more in interest over time sometimes significantly more. In addition , under current Internal Revenue Service rules , you may be required to pay income tax on any amount that's forgiven if you still have a remaining balance at the end of your repayment period. ", "How do I decide which income-driven repayment plan to choose? \nIf you ve decided that an income - driven repayment plan is right for you , you ll want to choose the plan that provides the most benefit to you based on your individual circumstances. Although all four income - driven plans allow you to make a monthly payment based on your income , the plans differ in terms of who qualifies, how much you have to pay each month, the length of the repayment period, and the types of loans that can be repaid under the plan. If you have only Direct Loans , you can choose from all four income - driven repayment plans. If you re not sure which plan to choose , you have the option of requesting the income - driven plan that provides the lowest payment amount. Your servicer will determine which plans you qualify for and will then place you on the plan with the lowest monthly payment. If you have FFEL Program loans , your only income - driven repayment plan option is the IBR Plan. However , if you consolidate your FFEL Program loans into a Direct Consolidation Loan , you ll then have access to the REPAYE, PAYE, and ICR plans. Find out more about loan consolidation.  How do I apply for an income-driven repayment plan? \nBefore you apply for an income - driven repayment plan , contact your loan servicer if you have any questions. Your loan servicer will help you decide whether one of these plans is right for you. To apply , you must submit an application called the Income - Driven Repayment Plan Request. You can submit the application online or on a paper form, which you can get from your loan servicer. The application allows you to select an income - driven repayment plan by name, or to request that your loan servicer determine what income - driven plan or plans you qualify for, and to place you on the income - driven plan with the lowest monthly payment amount. Note: If you have more than one servicer for the loans that you want to repay under an income - driven plan , you must submit a separate request to each servicer. When you apply , you ll be asked to provide income information that will be used to determine your eligibility for the PAYE or IBR plans and to calculate your monthly payment amount under all income - driven repayment plans. This may be either your adjusted gross income AGI or alternative documentation of income. Your AGI will be used if you filed a federal income tax return in the past two years , and your current income isn t significantly different from the income reported on your most recent federal income tax return. You can provide your AGI in one of the following ways : Apply using the online Income - Driven Repayment Plan Request and use the IRS Data Retrieval Tool in the application to transfer income information from your federal income tax return. Use the paper Income - Driven Repayment Plan Request and provide a paper copy of your most recently filed federal income tax return or IRS tax return transcript. If you haven t filed a federal income tax return in the past two years, or if your current income is significantly different from the income reported on your most recent federal income tax return for example, if you lost your job or have experienced a drop in income , alternative documentation of your income will be used to determine your eligibility and calculate your monthly payment amount. You can provide alternative documentation in one of the following ways : If you currently receive taxable income , you must submit a paper Income - Driven Repayment Plan Request with alternative documentation of your income, such as a pay stub. If you currently don t have any income or if you receive only untaxed income , you can indicate that on the online or paper application. In this case , you re not required to supply further documentation of your income. Depending on whether you applied electronically or submitted a paper request form and whether you ve submitted all required documents , it may take your servicer a few weeks to process your request, because they will need to obtain documentation of your income and family size. If you are currently repaying your loans under a different repayment plan , your loan servicer may apply a forbearance to your student loan account while processing your request for an income - driven repayment plan. ", "What other options do I have if I need help repaying my student loans? \nIf an income - driven repayment plan isn t right for you , contact your loan servicer to discuss other repayment options. You may be able to extend your repayment period through the Extended Repayment Plan or through loan consolidation. You may also be able to temporarily suspend repayment through a deferment or forbearance.  Where can I learn more about the income-driven repayment plans? \nWant more information about the income - driven repayment plans? Browse our Income - Driven Plans Questions and Answers page.", "Exit Counseling \n\n\nWhat is Exit Counseling? \nExit counseling provides important information to prepare you to repay your federal student loan. If you have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program , you must complete exit counseling each time you : Drop below half - time enrollment Graduate Leave school Note: The FFEL Program ended June 30 , 2010 and no new loans have been made under the FFEL Program after that date. Complete Exit Counseling LOG IN TO START \n\nWho should complete this? \nStudents who have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program, must complete exit counseling each time they drop below half - time enrollment, graduate, or leave school. \n\nHow long will it take? \nThe entire counseling process must be completed in a single session. Most people complete counseling in 20 - 30 minutes. \n\nWhat do I need? \nVerified FSA ID Return to the Counseling selection page \n\nTEACH Grant Exit Counseling", "How Financial Aid Works \nFor most students planning to attend college or career school , financial aid is essential. We ll walk you through how financial aid works, resources to pay for college, and loan repayment options.  01 \n02 \n03 \n04 \n05 \n01 \nStart Planning Early \nPlan how to pay for college before you start. Ask school counselors and the college financial aid office about state, college, and nonprofit grants and scholarships you can apply for. Be sure to meet application deadlines. Start saving before you get to college. Consider prepaid tuition and education savings 529 plans.  02 \nFill Out the FAFSA Form \nBefore each year of college , apply for federal grants, work - study, and loans with the Free Application for Federal Student Aid FAFSA form. Your college uses your FAFSA data to determine your federal aid eligibility. Many states and colleges use FAFSA data to award their own aid. After submission , you ll receive your Student Aid Report.  03 \nReview Your Aid Offer \nYour aid offer explains the types and amounts of aid a college is offering you, and your expected costs for the year. If you ve been accepted to multiple colleges , compare the costs and aid offers. Accept the aid from the school that's best for you and inform them of other sources of aid such as scholarships you expect to receive.  04 \nGet Your Aid \nTime to go to school! Your financial aid office will apply your aid to the amount you owe your school and send you the remaining balance to spend on other college costs. One of the requirements to maintain financial aid eligibility is that you must make satisfactory academic progress. And don t forget to complete a FAFSA form each year! ", "05 \nGraduate and Start Repayment \nAs you prepare to graduate , get ready to repay your student loans. Good news! Federal student loan borrowers have a six - month grace period before you begin making payments. Use this time to get organized and choose a repayment plan. If you start falling behind on your payments , contact your loan servicer to discuss repayment options.", "Wondering whether you can get your federal student loans forgiven for your service as a teacher? \nLearn about the forgiveness program to see whether you qualify. Under the Teacher Loan Forgiveness Program , if you teach full - time for five complete and consecutive academic years in a low - income school or educational service agency, and meet other qualifications , you may be eligible for forgiveness of up to $17,500 on your Direct Subsidized and Unsubsidized Loans and your Subsidized and Unsubsidized Federal Stafford Loans. If you have a Direct Consolidation Loan or a Federal Consolidation Loan , you may be eligible for forgiveness of the outstanding portion of the consolidation loan that repaid an eligible Direct Subsidized Loan, Direct Unsubsidized Loan, Subsidized Federal Stafford Loan, or Unsubsidized Federal Stafford Loan.  What are the eligibility requirements? \nYou must not have had an outstanding balance on Direct Loans or Federal Family Education Loan FFEL Program loans as of Oct. 1 , 1998, or on the date that you obtained a Direct Loan or FFEL Program loan after Oct. 1 , 1998. You must have been employed as a full - time, highly qualified teacher for five complete and consecutive academic years , and at least one of those years must have been after the 1997 98 academic year. You must have been employed at an elementary school, secondary school, or educational service agency that serves low - income students a \" low - income school or educational service agency \". The loan for which you are seeking forgiveness must have been made before the end of your five academic years of qualifying teaching service. ", "Teaching for Less Than a Complete Academic Year \nIf you were unable to complete a full academic year of teaching , that year may still be counted toward the required five complete and consecutive academic years if you completed at least one - half of the academic year ; and your employer considers you to have fulfilled your contract requirements for the academic year for the purposes of salary increases, tenure, and retirement ; and you were unable to complete the academic year because you returned to postsecondary education, on at least a half - time basis, in an area of study directly related to the performance of the teaching service described above ; you had a condition covered under the Family and Medical Leave Act of 1993 FMLA ; or you were called or ordered to active duty status for more than 30 days as a member of a reserve component of the U.S. armed forces.  Who is considered a teacher? \nA teacher is a person who provides direct classroom teaching, or classroom - type teaching in a nonclassroom setting. Special education teachers are considered teachers.  Am I a highly qualified teacher? \nThere are basic requirements that all teachers must meet to be considered highly qualified. There are also additional requirements that you must meet depending on whether you re an elementary or secondary school teacher, and whether you re new to the teaching profession.  Basic Requirements for All Teachers \nTo be a highly qualified teacher , you must have attained at least a bachelor s degree ; received full state certification as a teacher ; and not had certification or licensure requirements waived on an emergency, temporary, or provisional basis. You re considered to have received full state certification even if you received your certification through alternative routes to certification or by passing the state teacher licensing examination. If you re a teacher at a public charter school , you are considered to have received full state certification as a teacher if you meet the requirements set forth in the state's public charter school law. ", "Additional Requirements for Elementary School Teachers Who Are New to the Profession \nTo be considered highly qualified as an elementary school teacher who is new to the profession , you must also have demonstrated subject knowledge and teaching skills in reading, writing, mathematics, and other areas of the basic elementary school curriculum by passing a rigorous state test. The rigorous state test may be a state - required certification or licensing test or tests in reading, writing, mathematics, and other areas of the basic elementary school curriculum.  Additional Requirements for Middle or Secondary School Teachers Who Are New to the Profession \nTo be considered highly qualified as a middle or secondary school teacher who is new to the profession , you must also have demonstrated a high level of competency in each of the academic subjects in which you teach. To demonstrate a high level of competency , you may either pass a rigorous state academic subject test in each of the academic subjects in which you teach or successfully complete an academic major, a graduate degree, course work equivalent to an undergraduate academic major, or an advanced certification or credential in each of the academic subjects in which you teach. The rigorous state test may be a state - required certification or licensing test or tests in each of the academic subjects in which you teach.  Additional Requirements for Elementary, Middle, or Secondary School Teachers Who Are Not New to the Profession \nTo be highly qualified as an elementary, middle, or secondary school teacher who is not new to the profession , you must also meet the applicable requirements for an elementary, middle, or secondary school teacher who is new to the profession or demonstrate competence in all the academic subjects in which you teach based on a high, objective, uniform state standard of evaluation. The uniform state standard of evaluation may involve multiple, objective measures of teacher competency and must be set by the state for both grade - appropriate academic subject matter knowledge and teaching skills ; be aligned with challenging state academic content and student academic achievement standards and developed in consultation with core content specialists, teachers, principals, and school administrators ; provide objective, coherent information about your attainment of core content knowledge in the academic subjects in which you teach ; be applied uniformly to all teachers in the same academic subject and the same grade level throughout the state ; take into consideration, but not be based primarily on, the time you have been teaching in the academic subject ; and be made available to the public upon request. ", "How do I know if I m teaching at a low-income school or educational service agency? \nThe school or educational service agency must be listed in the Teacher Cancellation Low Income TCLI Directory, which is published by the U.S. Department of Education ED each year. To find out if your school or educational service agency is classified as low - income , search the directory database for the years you have been employed as a teacher. If the TCLI Directory is not available before May 1 of any year , the previous year s directory may be used for that year. Any questions about the inclusion or omission of a particular school must be directed to the state education agency contact in the state where the school is located and not to ED. State education agencies are responsible for determining which schools or educational service agencies are eligible to be reported to ED for inclusion in the TCLI Directory. If your school or educational service agency is included in the TCLI Directory for at least one year of your teaching service, but is not included during subsequent years , your subsequent years of teaching at the school or educational service agency will still be counted toward the required five complete and consecutive academic years of teaching. For example , if you taught at the same school for five complete and consecutive academic years from 2011 12 through 2015 16, but the school was included in the TCLI Directory only for the 2011 12 academic year , your subsequent four academic years of teaching at that school can still be counted toward the required five complete and consecutive academic years. Teaching service performed at an educational service agency may be counted toward the required five years of teaching only if the consecutive five - year period includes qualifying service at an eligible educational service agency performed after the 2007 08 academic year. All elementary and secondary schools operated by the Bureau of Indian Education BIE or operated on Indian reservations by Indian tribal groups under contract with BIE qualify as schools serving low - income students. These schools are qualifying schools for the purposes of this loan forgiveness program, even if they are not listed in the TCLI Directory. ", "How much loan forgiveness can I receive? \nThe maximum forgiveness amount is either $17,500 or $5,000, depending on the subject area taught. If you have eligible loans under both the Direct Loan Program and the FFEL Program , $ 17,500 or $5,000 is a combined maximum forgiveness amount for both programs. You may receive up to $17,500 in loan forgiveness if you were a highly qualified full - time mathematics or science teacher who taught students at the secondary school level ; or a highly qualified special education teacher at either the elementary or secondary level whose primary responsibility was to provide special education to children with disabilities , and you taught children with disabilities that corresponded to your area of special education training and demonstrated knowledge and teaching skills in the content areas of the curriculum that you taught. If you didn't teach mathematics, science, or special education , you may receive up to $5,000 in loan forgiveness if you were a highly qualified full - time elementary or secondary education teacher.  Can I receive loan forgiveness under both the Teacher Loan Forgiveness Program and the Public Service Loan Forgiveness Program? \nYou can potentially receive forgiveness under both the Teacher Loan Forgiveness Program and the Public Service Loan Forgiveness Program, but not for the same period of teaching service. For example , if you complete five consecutive years of qualifying teaching and receive forgiveness of your Direct Loans under the Teacher Loan Forgiveness Program , any payments you made on your Direct Loans during that five - year period cannot be counted toward the required 120 monthly payments for the Public Service Loan Forgiveness Program. To receive Public Service Loan Forgiveness , you would need to make 120 more qualifying monthly payments. ", "Teacher Loan Forgiveness and AmeriCorps Program Benefits \nIf you re an AmeriCorps Program volunteer , a period of teaching that qualifies you for a benefit through the AmeriCorps Program cannot be counted toward the required five consecutive years of teaching for the Teacher Loan Forgiveness Program.  Can I receive teacher loan forgiveness on my PLUS loans or Federal Perkins Loans? \nPLUS loans for parents and graduate or professional students aren t eligible for this type of forgiveness. Federal Perkins Loans aren t eligible for this type of forgiveness. However , you may be eligible to have all or a portion of your Federal Perkins Loan canceled based on your employment or volunteer service or discharged under certain conditions.  Am I eligible for teacher loan forgiveness if I m in default on a loan? \nIf you re in default on a loan , you are not eligible for forgiveness of that loan unless you have made satisfactory repayment arrangements with the holder of the defaulted loan.  How and when do I apply for teacher loan forgiveness? \nYou apply for teacher loan forgiveness by submitting a completed Teacher Loan Forgiveness Application to your loan servicer after you have completed the required five consecutive years of qualifying teaching. The chief administrative officer of the school or educational service agency where you performed your qualifying teaching service must complete the certification section. If you are applying for forgiveness of loans that are with different loan servicers , you must submit a separate form to each of them.", "Understand Financial Aid \nAs you prepare for college or career school , explore how financial aid works, learn about the types of aid, and find out if you re eligible. You can also estimate what aid you may be eligible for when you check out FAFSA4caster. Estimate Your Aid \n\nHow Financial Aid Works \nLearn More \n\nTypes of Aid \nLearn More \n\nGrants \nthat's typically based on need and doesn't typically have to be repaid Financial aid \n\nScholarships \nthat is based on academic or other achievements, or on financial need, to help pay for school Free money \n\nWork-Study Jobs \nA way to earn money to help you pay for school \n\nLoans \nMoney you borrow to pay for college or career school ; you must repay your loans and the interest that accrues \n\nMore Resources for Aid \nFederal government besides Federal Student Aid State government College or career school Nonprofit or private organizations \n\nWho Gets Aid \nLearn More \n\nLearn how the following situations could affect your eligibility for aid \nMilitary family members who are homeless Students Students enrolled at international schools Students with a parent killed in Iraq or Afghanistan who are or have been in foster care Students Non-U.S. citizens Students with intellectual disabilities Students with criminal convictions \n\nEstimate Your Aid \nGet Aid Estimate", "Master Promissory Note (MPN) \nThe 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 .You may receive more than one loan under an MPN over a period of up to 10 years to pay for your or your child s educational costs, as long as the school is authorized to use the MPN in this way and chooses to do so . The school will tell you which loans, if any, you are eligible to receive. \n\nChoose the Direct Loan MPN you want to preview or complete \n\n\nI'm an Undergraduate Student \nUse this MPN for Direct Subsidized Loans or Direct Unsubsidized Loans available to eligible undergraduate students. Learn More LOG IN TO START View Demo \n\nI'm a Graduate/Professional Student \nFind and use the MPN that you need as a graduate or professional degree student to borrow federal student loans. Graduate / professional students can be eligible for Direct Unsubsidized Loans, Direct PLUS Loans, or both. You need to complete an MPN for each loan type you intend to receive. You should request Direct Unsubsidized Loans up to your full eligibility before borrowing Direct PLUS Loans. Learn More Log In to Select MPN Type \n\nI m a Parent of an Undergraduate Student \nUse this MPN for Direct PLUS Loans available to eligible parents of eligible dependent undergraduate students. Learn More LOG IN TO START View Demo Close Yes", "Information About the Gainful Employment Downloadable Spreadsheet \nThe 2011 Gainful Employment Downloadable Spreadsheet provides the public with information about educational programs that prepare students for gainful employment in a recognized occupation GE Program. Under the regulations that go into effect on July 1 , 2012, the US Department of Education calculates metrics for GE Programs each year. These metrics include a Repayment Rate, two Debt - to - Earnings Ratios, and three student loan medians. The 2011 GE Informational Rate information included on the downloadable spreadsheet was produced for the purpose of providing institutions with preliminary information they can use to assess their GE Programs in preparation for the official gainful employment metrics that will first be calculated in 2013. These FY 2011 GE Informational Rates are for informational purposes only and, as such, do not invoke any regulatory requirements, sanctions, or other adverse action. These informational rates were prepared in advance of the years in which programs that fail the debt measures will be required to provide debt warnings and may lose eligibility after failing three out of four consecutive years. The 2011 GE Informational Rates were not calculated for a GE Program if the program had 30 or fewer former students in the relevant two - year period. Beginning next year , official gainful employment debt measures will include small programs using a four - year period if that four - year period results in more than 30 former students for the GE Program. After publishing the informational rates , the Department determined that the posted Median Title IV Loans amount reflected student debt information from the most recent loan award year, but did not include debt information from previous years. On October 25 , 2012 , the Department posted an updated spreadsheet. Column V reflects the median loan debt over the course of enrollment in a program. Column W reflects the one - year median loan debt. The Median Private Loans, Median Institutional Loans, and Median Title IV Loans were calculated for disclosure purposes and are NOT the medians that were used in the Repayment Rate or Debt - to - Earnings Ratio calculations. IMPORTANT DISCLAIMER : The 2011 Gainful Employment Informational Rates were prepared to provide institutions with preliminary data about the performance of their GE Programs. The calculation of the 2011 Gainful Employment Informational Rates did not include a process for institutions to receive draft debt measures and to submit challenges, as the institutions will for official rate calculations. For these reasons , the 2011 Informational Rates are not intended to form a basis for making any general or specific assumptions or determinations about specific GE Programs, or in making projections about future years' rates. Glossary of Spreadsheet Fields Downloadable Spreadsheet GE Operations Manual GE Information Page", "How to Correct or Update Your FAFSA Application \nLearn what types of corrections and updates you may make and how to make them. Most of the questions on the FAFSA form want to know your situation as of the day you sign the application. However , there are some instances in which you ll want to or be required to change the information you reported.  What kinds of changes can I make to my FAFSA form once it s been processed? \nCorrections: If You Made a Mistake \nIf you made a mistake in what you reported on the FAFSA form , you ll need to make a correction. Find out how to make changes to your FAFSA information.  Corrections: If You Filed a FAFSA Form Using an Incorrect Social Security Number (SSN) \nIf you filed a FAFSA form using an incorrect SSN , you can correct your SSN by doing one of the following : Recommended method : You can submit a new online FAFSA form. In many cases , this is the easiest and fastest option. Note: Submitting a new FAFSA form will change the date your FAFSA form was submitted and processed. Be sure to check your state or school deadlines, because your FAFSA submission date must meet those deadlines in order for you to qualify for state or school aid. You can ask the financial aid office at one of the schools listed on your Student Aid Report SAR to change your SSN for you. Least efficient method: You can change your SSN on your paper SAR, sign it, and mail it to the address provided on the SAR. This can take two to three weeks to process. Note: The SSN can t be changed through the paper SAR more than once. ", "Updates: If Your Situation Has Changed \nMost information cannot be updated because it must be accurate as of the day you originally signed your FAFSA form. For example , if you spent some of your savings after filing the FAFSA form , you may not update your information to show a change in that amount. You should speak to the financial aid office at the school you plan to attend if there will be a significant change in your or your parent s income for the present year or if your family has other circumstances that cannot be reported on the FAFSA form. You may update your mailing address, email address, and other contact information if it has changed. There are certain items that you must update : You must update anything that changes your dependency status for instance, you are now pregnant or are now in legal guardianship except a change in your marital status. If your marital status changes , you must speak to the financial aid office to determine whether you may update the FAFSA form. If and only if you are selected for verification , you must update your FAFSA form if there is a change in the number of family members in your parents household or in your household. If the number of family members changes as a result of a change in your the student s marital status , you must speak to the financial aid office at the school you plan to attend to determine whether you may update the FAFSA form. If and only if you are selected for verification , you must update your FAFSA form if there is a change in the number of people in your parents household who are in college or the number of people in your household who are in college. If the number of people in college changes as a result of a change in your the student s marital status , you must speak to the financial aid office at the school you plan to attend to determine whether you may update the FAFSA form. ", "Changes to Federal School Codes: If You Want to Add or Delete a School \nIf you want to make your FAFSA information available to an additional school after filing the FAFSA form , you may add that school s Federal School Code. Note: No more than 10 schools may be listed on your FAFSA form at one time. The FAFSA PDF has space for only four schools, while the online FAFSA form and the myStudentAid mobile app allow 10 to be listed. If you add an eleventh school , the new school code overwrites a previous school code. You may choose which school to replace with the new school. The school removed from the list will not have automatic access to any new information you provide after you ve removed that school.  How do I make changes to my FAFSA form? \nYou can make changes in one of the following ways : Make changes at fafsa.gov : Select the \" LOG IN button and enter your FSA ID. On the \" My FAFSA \" page , select \" Make FAFSA Corrections. Create a save key. Change your information. Submit your new information. Write in the corrections or updates on your paper SAR, sign it, and mail it to the address provided on the SAR. Check with the financial aid office at the school you plan to attend ; the school might be able to make changes for you electronically. Note : Tax return information you transfer via the Internal Revenue Service Data Retrieval Tool cannot be changed on your online FAFSA form. If you filed a 1040X amended return , contact your school s financial aid office to discuss whether it would be appropriate for the school to adjust the information on your FAFSA form.", "Link to us and help spread the word about the availability of federal student aid for college or career school. \nShare our information with potential college students, their parents, counselors, or other mentors. If potential college students, their parents, counselors, or other mentors frequently visit your website , you can help us share information about federal student aid with your audiences. Below you can select text or web banners to put on your site to make your visitors aware of the following resources : StudentAid.gov provides in - depth information on federal student aid programs, applying for financial aid, and repaying student loans. fafsa.gov is the official site of the Free Application for Federal Student Aid FAFSA form.  Disclaimer \nStudentAid.gov and fafsa.gov are registered domain names of the United States government. The inclusion of the enclosed banners on websites maintained by other public and private organizations is not intended to endorse any views expressed, or products or services offered, on those outside sites. Please note: The Department of Education's link cannot appear on a web page with the primary purposes of marketing or ordering a product or service or on a web page urging readers to contact Congress or state legislators about pending legislation.  StudentAid.gov Banners \nThese StudentAid.gov banners, available in English and Spanish, can be used to link directly to StudentAid.gov, where students can learn about planning and paying for college. For each of the banner ads below , highlight the text of the HTML, copy it, and paste it into the HTML document for your page. Then download the image. The exact method of saving these pictures to a disk or to your hard drive will vary depending on your operating system, choice of browser, and other factors. In general , however , if you right - click on an image you will see an option to \" save \" or \" download \" the \" image \" or \" picture. \" If you are displaying the StudentAid.gov static banners , remember to include the HTML codes see chart below which link to StudentAid.gov. There are also four text options available for linking to StudentAid.gov : For information about federal student aid from the U.S. Department of Education s office of Federal Student Aid , visit StudentAid.gov. Federal Student Aid The U.S. Department of Education s office of Federal Student Aid provides more than $120 billion in grants, loans, and work - study funds each year to help pay for college or career school. Get in - depth information on federal student aid programs, applying for financial aid, and repaying student loans at StudentAid.gov. Federal Student Aid for College or Career School The U.S. Department of Education s office of Federal Student Aid provides grants, loans, and work - study opportunities to eligible students attending participating colleges or career schools. Federal Student Aid is the largest source of financial aid in the U.S. For further information and an online application, visit StudentAid.gov or call the Federal Student Aid Information Center toll - free : 1 - 800 - 4-FED - AID 1 - 800 - 433 - 3243. TTY for the hearing - impaired : 1 - 800 - 730 - 8913. ", "FAFSA Banners \nThese FAFSA banners, available in English and Spanish, can be used to link directly to fafsa.gov, where students can complete the Free Application for Federal Student Aid FAFSA form. For each of the banner ads below , highlight the text of the HTML, copy it, and paste it into the HTML document for your page. Then download the image. The exact method of saving these pictures to a disk or to your hard drive will vary depending on your operating system, choice of browser, and other factors. In general , however , if you right - click on an image you will see an option to \" save \" or \" download \" the \" image \" or \" picture. \" If you are displaying the fafsa.gov static banners , remember to include the HTML codes see chart below which link to fafsa.gov.", "Apply for Financial Aid \nThe most vital step in applying for federal grants, work - study, and loans for college is the Free Application for Federal Student Aid FAFSA form. Learn About the FAFSA Form \n\nAid Application Process \n\n\n01 \n\n\nGet Prepared \nGather the documents you ll need. \n\n02 \n\n\nComplete FAFSA Form \nApply early to maximize your aid. \n\n03 \nReview Student Aid Report Make corrections, if necessary. \n\n04 \n\n\nRespond to Aid Offer \nAccept the aid you want. \n\n05 \n\n\nReceive Aid \nGet your aid from your school. \n\n06 \n\n\nRenew Your FAFSA Form \nReapply each year. \n\nExplore Info About the FAFSA Form \n\n\nThe FAFSA form allows students to request federal grants, work-study, and loans, all in one application. \nThe FAFSA form allows students to request federal grants, work - study, and loans, all in one application. \n\nFrequent Topics \nGo to the FAFSA Form \n\nOther Financial Aid Resources \nExplore Other Aid Options \n\nApplying for a PLUS Loan \nAn Extra Option for Parents and Graduate Students Apply for a Grad PLUS Loan Apply for a Parent PLUS Loan", "Third-party Servicer Program Reviews \nThe Higher Education Act of 1965, as amended HEA, allows institutions of higher education to outsource any aspect of the institution s participation in federal student aid programs, including, but not limited to, services and functions necessary for the institution to remain eligible to participate in the federal student aid programs , to determine a student s eligibility for federal student aid , to account for federal student aid funds , to deliver federal student aid to students , or to perform any other aspect of the administration of the federal student aid programs. A third - party servicer may be an individual, a state, or a private, profit or non - profit organization that enters into a contract with an eligible institution to administer, through manual or automated processing, any aspect of the institution s participation in any federal student aid programs. When contracting with an institution , a third - party servicer and/or its contractors must comply with the various Title IV requirements applicable to its servicing agreement with the school. A third - party servicer is jointly and severally liable with the institution for any violation of Title IV requirements resulting from the functions performed by the third - party servicer. The Title IV regulations authorize the U.S. Department of Education ED to provide oversight of third - party servicers. As part of its oversight duties , Federal Student Aid FSA routinely conducts program reviews to confirm that third - party servicers and the schools that they contract with meet FSA requirements for institutional eligibility, financial responsibility, and administrative capability. During program reviews , reviewers evaluate the third - party servicers and schools compliance with FSA requirements, assess liabilities for errors in performance, and identify actions the third - party servicers and their partner schools must take to improve future administrative capabilities. After completing a program review , FSA issues a Final Program Review Determination FPRD, which is a report that includes each specific finding, the third party servicer s response, and ED s final determination. The FPRD also identifies liabilities, if any, calculated based on the findings of the program review ; provides instructions for the payment of liabilities, as appropriate ; notifies the third - party servicer of its right to appeal the existence and amount of any liabilities identified, as appropriate ; and closes the program review, if appropriate. The FPRD may or may not require additional action by the third - party servicer. Future FPRDs will be posted regularly. Below are the FPRDs issued to third - party servicers by ED : Commerce Bank : issued February 2016 US Bank : issued May 2017 Wells Fargo : issued June 2017 Nelnet Business Solutions, Incorporated : issued September 2017 Student Aid Administrators : issued August 2018 Educational Management Services, Incorporated : issued August 2018 Alliance Aid for Student Aid Processing : issued September 2018 Higher One / Customers Bank : issued September 2018", "Federal grants are money to help pay for college or career school. \nLearn about the grant programs that are available from the U.S. Department of Education. The federal government provides grants for students attending college or career school. Most types of grants , unlike loans , are sources of free money that generally do not have to be repaid. Grants can come from the federal government, your state government, your college or career school, or a private or nonprofit organization. Do your research, apply for any grants you might be eligible for, and be sure to meet application deadlines! Certain scenarios may require that a portion or all of the grant funds be repaid: for example, if you withdraw from school before finishing an enrollment period such as a semester, or if you receive a TEACH Grant and do not complete your service obligation.  Types of Grants \nThe U.S. Department of Education ED offers a variety of federal grants to students attending four - year colleges or universities, community colleges, and career schools. Check out the grant programs for more details and to learn how to apply : Federal Pell Grants Federal Supplemental Educational Opportunity Grants FSEOG Iraq and Afghanistan Service Grants Teacher Education Assistance for College and Higher Education TEACH Grants Try This Resource Federal Student Grant Programs Lists details and award limits for different federal student grant programs.  Grant Eligibility \nMost of our grants listed above are awarded only to students with financial need. If you are interested in our grants , or in any federal student aid , start by submitting a Free Application for Federal Student Aid FAFSA form. To continue receiving federal student aid , fill out the FAFSA form every year you re in school. Visit the individual pages for each of the grants listed above to learn about additional eligibility and application requirements. Once you ve submitted a FAFSA form , your college or career school will let you know how much you may receive and when you may receive it. ", "Maintaining Eligibility for Grants \nThe requirements for remaining eligible to receive a grant vary from program to program. Please visit the individual page relevant to your specific grant to ensure that you meet the requirements for maintaining eligibility for that program.  When You May Have to Repay a Grant \nHere are some examples of why you might have to repay all or part of a federal grant : You withdrew early from the program for which the grant was given to you. Your enrollment status changed in a way that reduced your eligibility for your grant for instance, if you switch from full - time enrollment to part - time, your grant amount will be reduced. You received outside scholarships or grants that reduced your need for federal student aid. You received a TEACH Grant , but you did not meet the requirements of your TEACH Grant service obligation.  Grant Repayment \nYour school will notify you if you must repay part of your grant. From that point , you will have 45 days to either pay that portion of the grant back in full or enter into a satisfactory repayment arrangement. If you enter into a satisfactory repayment arrangement , the school may assign the debt to ED for collection or may keep the debt and allow you to make payments directly to the school. If you do not carry out one of the options described above , you will lose your eligibility for further federal student aid. Note: If you do not fulfill your service obligation for a TEACH Grant , your TEACH Grant servicer will notify you if your grants are converted to Direct Unsubsidized Loans. You must then repay the loans to ED, with interest charged from the date the TEACH Grant was disbursed.", "William D. Ford Federal Direct Loan ProgramFederal Direct PLUS Loan Request for Supplemental Information \nThis 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. Some schools may have a different process for obtaining the additional information needed to process your Direct PLUS Loan application. The information that you provide will be sent to the school that you select. The school you select will use the information collected to determine your eligibility for a Direct PLUS Loan and process your application. Before you can receive a Direct PLUS Loan , you must complete a Direct PLUS Loan Master Promissory Note Direct PLUS Loan MPN, which explains all of the terms and conditions of Direct PLUS Loans and constitutes your legally binding agreement to repay all Direct PLUS Loans that you receive under the Direct PLUS Loan MPN. You will have an opportunity to complete the Direct PLUS Loan MPN after you complete the Direct PLUS Loan Request. The Direct PLUS Loan Request allows you to authorize the school to use your loan funds to satisfy other educationally related charges after tuition and fees, and room and board have been paid. You are not required to provide this authorization. If you are a parent borrower , the Direct PLUS Loan Request also allows you to : Designate whether the school pays any credit balance to the student or to you. Request a deferment while the student is in school. Request an additional deferment for 6 months after the student ceases to be enrolled at least half time. BEFORE YOU CONTINUE: If you have placed a security freeze on your credit file , 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. ", "Select the type of Direct PLUS Loan Application you would like to complete \nDirect PLUS Loan Application for Graduate/Professional StudentsWilliam D. Ford Federal Direct Loan ProgramFederal Direct PLUS Loan Request for Supplemental Information \nStudents must be logged in using their own. Learn More LOG IN TO START  Direct PLUS Loan Application for ParentsWilliam D. Ford Federal Direct Loan ProgramFederal Direct PLUS Loan Request for Supplemental Information \nParents must be logged in using their own. Learn More LOG IN TO START Some schools may have a different process for obtaining the additional information needed to process your Direct PLUS Loan application. You may verify that your school participates in this process after you select a borrower type below or by contacting the school's financial aid office. Your school will tell you what loans, if any, you are eligible to receive. If you have questions regarding your loan eligibility, the next steps in the processing of your loan, when the loan will be disbursed paid out, or no longer wish to receive the loan , contact your school's financial aid office.", "Many non-U.S. citizens qualify for federal student aid. \nDon t assume you can t get aid just because you re not a citizen. The most common category of eligible noncitizen is that of permanent resident someone with a green card , but there are other categories as well.  I am a non-U.S. citizen. Can I get federal student aid? \nCheck with your college or career school s financial aid office for more information. You are considered an eligible noncitizen if you fall into certain categories, such as the ones listed below : You are a U.S. national includes natives of American Samoa or Swains Island or U.S. permanent resident with a Form I-551, I-151, or I-551C Permanent Resident Card, Resident Alien Card, or Alien Registration Receipt Card, also known as a \" green card. \" You have an Arrival - Departure Record I-94 from U.S. Citizen and Immigration Services USCIS showing * Refugee, Asylum Granted, Cuban-Haitian Entrant, Conditional Entrant valid only if issued before April 1 , 1980 , or Parolee you must be paroled for at least one year, and you must be able to provide evidence from the USCIS that you are in the United States for other than a temporary purpose with the intention of becoming a U.S. citizen or permanent resident. You hold a T nonimmigrant status \" T - visa \" for victims of human trafficking or your parent holds a T-1 nonimmigrant status. Your college or career school s financial aid office will ask to see your visa and/or certification letter from the U.S. Department of Health and Human Services. You are a battered immigrant - qualified alien who is a victim of abuse by your citizen or permanent resident spouse , or you are the child of a person designated as such under the Violence Against Women Act VAWA. You are a citizen of the Federated States of Micronesia, the Republic of the Marshall Islands, or the Republic of Palau. If this is the case , you may be eligible for only certain types of federal student aid : Citizens of the Republic of Palau are eligible for Federal Pell Grants, Federal Supplemental Educational Opportunity Grants, and Federal Work - Study. Citizens of the Federal States of Micronesia and the Republic of the Marshall Islands are eligible for Federal Pell Grants only. * To qualify for federal student aid , certain eligible noncitizens must be able to provide evidence from the USCIS that they are in the United States for other than a temporary purpose with the intention of becoming a U.S. citizen or permanent resident. Certain Native American students born in Canada with a status under the Jay Treaty of 1789 may also be eligible for federal student aid. ", "If I have been granted Deferred Action for Childhood Arrivals (DACA), am I eligible for federal student aid? \nUndocumented students, including DACA recipients, are not eligible for federal student aid , but you may still be eligible for state or college aid, in addition to private scholarships. Check with your college or career school s financial aid office for more information.  If I have been granted DACA, should I still complete a FAFSA form? \nYou should check with your high school counselor or financial aid office to see whether completing the FAFSA form is the way to apply for state and college student aid. To begin your FAFSA form , you must enter your Social Security number. While completing the FAFSA form , you must answer the Are you a U.S. citizen? question as No , I am not a citizen or eligible noncitizen. After submitting your FAFSA form , you should check with your college s financial aid office to see what types of financial aid you may be eligible to receive. Our fact sheet about undocumented students and financial aid provides more details and tips for DACA recipients filling out the FAFSA form.  Does my parents citizenship or immigration status affect my eligibility for aid? \nNo , your parents citizenship or immigration status does not affect your eligibility for federal student aid. In fact , the Free Application for Federal Student Aid FAFSA form doesn t even ask about your parents status. Learn about filling out the FAFSA form. ", "What if the expiration date on my documents has passed? \nIf your green card has expired , it doesn t necessarily mean that your status as a legal permanent resident has expired. You might just need to renew the card. Be sure to do so promptly! If your permanent residence status has in fact expired , you are no longer eligible for federal student aid. If your documentation shows that you are a Cuban - Haitian Entrant , you are still an eligible noncitizen even if the expiration date has passed. For all other documents listed in 1 3 above , if the expiration date has passed , you are not an eligible noncitizen and cannot receive federal student aid. For more information about eligible noncitizen status , contact your college's or career school's financial aid office.  What if I have documentation that isn t listed above? \nYou are NOT an eligible noncitizen and cannot receive federal student aid if you have only a Notice of Approval to Apply for Permanent Residence I-171 or I-464 , you are in the U.S. on an F-1 or F-2 nonimmigrant student visa, or on a J-1 or J-2 nonimmigrant Exchange Visitor Visa, or you hold a G series visa pertaining to international organizations.  If I m not an eligible noncitizen, can I get any type of financial aid to study in the U.S.? \nYes , there may be some scholarships and other aid you can get. Check with your country s embassy or a consulate here in the U.S. or with the appropriate government office back in your country to see what they offer. Try the U.S. Department of Labor s free online scholarship search. Ask the college or career school you plan to attend whether they offer any aid for students like you. Check out the Education USA website. Read our fact sheet about undocumented students and financial aid.", "The Income-Sensitive Repayment Plan is available to low-income borrowers who have Federal Family Education Loan (FFEL) Program loans. \nThe payments under this plan increase or decrease based on your annual income. If you need to make lower payments on your FFEL Program loans , this plan may be for you. \n\nEligible FFEL Program Loans \nThe following loans are eligible for the Income - Sensitive Repayment Plan : Subsidized Federal Stafford Loans Unsubsidized Federal Stafford Loans FFEL PLUS Loans FFEL Consolidation Loans \n\nLoans That Are Not Eligible \nWilliam D. Ford Federal Direct Loans \n\nMonthly Payments \nUnder this plan , your monthly payments increase or decrease based on your annual income and are made for a maximum period of 10 years. \n\nGet More Information About This Plan \nIf you have FFEL Program loans owned by the U.S. Department of Education ED , contact your loan servicer. If you have FFEL Program loans that are not owned by ED , contact your lender. Visit My Federal Student Aid to view information about all of the federal student loans you have received and to find contact information for the loan servicer or lender for your loans.", "Accepting Financial Aid \nFirst , accept the financial aid funds you don t have to pay back. When your school financial aid office sends you an aid offer , they ll ask you to indicate which financial aid you want. Look carefully at your options and make an informed decision.  Choosing the Best Financial Aid to Accept \nKeep the following in mind when you get an aid offer and are deciding which aid is the best to accept : Free money first e.g., scholarships, grants Earned money second e.g., work - study Borrowed money last e.g., federal student loans Start from the top of this table and work your way down : Many schools also offer tuition payment plans a monthly interest - free payment toward tuition. This type of plan may help reduce the amount you need to take out in loans. Ask your financial aid office if such a plan is available.  Deciding Which Student Loans to Accept \nIf you must accept loans , accept the ones with the most favorable terms and conditions. Usually , that means choosing the federal student loans offered to you. If you are considering getting a state loan, school loan, or private student loan , you should learn about the differences between federal and other loans. If you have any questions or don t understand what types of loans are in your aid offer , contact the school. Make sure you understand what you re accepting and the repayment terms. Borrow only what you need! If your living expenses are not going to be as high as the amount estimated by your school , you have the right to turn down the loan or to request a lower loan amount. In the aid offer , your school will tell you how to do this. To determine how much loan money to accept, make a list of your college and living expenses and the resources you ll have available to pay them ; in other words, make a budget to help ensure you borrow only what you need. Remember: If you don t accept the full amount of the loan you re eligible for , you can increase the amount later. ", "Informing Your School About Aid You ll Accept \nYour student aid offer will include directions on accepting aid. Follow those directions carefully. You might have to enter the amounts you re accepting in an online form and then submit the form. If you receive a paper aid offer , you might have to sign it and mail it back to the school. Accepting a loan or grant listed in the aid offer may involve additional steps, which vary depending on the type of loan or grant you re receiving. Saying yes may be as simple as signing a promissory note a contract between you and the lender * that specifies the terms and conditions of the loan or it may include entrance counseling if this is your first federal loan. By signing the promissory note , you are promising to repay your student loan. The financial aid office will guide you through the paperwork or direct you to the online Master Promissory Note if appropriate. * If you take out a loan from the Direct Loan Program , the U.S. Department of Education will be your lender.", "Entrance Counseling \n\n\nWhat is Entrance Counseling? \nIf you have not previously received a Direct Loan or Federal Family Education Loan FFEL , the Federal Government requires you to complete entrance counseling to ensure that you understand the responsibilities and obligations you are assuming. If you are completing entrance counseling to borrow a loan as an undergraduate student , then the entrance counseling will fulfill counseling requirements for Direct Subsidized Loans and Direct Unsubsidized Loans. If you are completing entrance counseling to borrow a loan as a graduate or professional student , the entrance counseling will fulfill counseling requirements for Direct Subsidized Loans, Direct Unsubsidized Loans, and Direct PLUS Loans. Your school may have alternate entrance counseling requirements. Check with your school's financial aid office to be sure that the counseling available on this Web site satisfies its requirements for entrance counseling. Complete Entrance Counseling LOG IN TO START \n\nWho should complete this? \n\n\nHow long will it take? \nThe entire counseling process must be completed in a single session. Most people complete counseling in 20 - 30 minutes. \n\nWhat do I need? \nVerified FSA ID School Name Return to the Counseling selection page", "Get Temporary Relief \nSometimes , you just need to suspend your student loan payments for a short period. If you re in a short - term financial bind , you may qualify for a deferment or a forbearance. With either of these options , you can temporarily suspend your payments. NEW : Automatic Suspension of Monthly Payments as a Result of the COVID-19 National Emergency To provide relief to student loan borrowers during the COVID-19 national emergency , federal student loan borrowers are automatically being placed in an administrative forbearance, which allows you to temporarily stop making your monthly loan payments. This suspension of payments will last from March 13 , 2020, through Sept. 30 , 2020 , but you can still make payments if you choose. Have questions? Find out what loans qualify and get additional information about this forbearance and other student loan flexibilities due to the COVID-19 national emergency. When it comes to deferment and forbearance , however , there are two important things to consider : In most cases , interest will accrue during your period of deferment or forbearance except in the case of certain forbearances, such as the one offered as a result of the COVID-19 national emergency. This means your balance will increase and you ll pay more over the life of your loan. If you re pursuing loan forgiveness , any period of deferment or forbearance likely will not count toward your forgiveness requirements. This means you ll stop making progress toward forgiveness until you resume repayment. Consider Another Repayment Plan First Because of the impact on interest and potential loan forgiveness , it might be worth exploring another repayment plan before you consider deferment or forbearance. For example , your payments could be more affordable if you change to an income - driven repayment plan. Contact your loan servicer to find out if another repayment plan might be the best option for you. Discuss obtaining a deferment or forbearance with your loan servicer. Our goal is to keep you on the path to successful repayment of your federal student loan. We want you to avoid delinquency and default. ", "Explore Student Loan Deferment and Forbearance \nIf you re eligible for a deferment or forbearance , you can temporarily suspend your payments. If you choose to use a deferment or forbearance , consider paying the interest that accrues during that period, so that you can avoid some of the consequences. Here is an example of the impact of forbearance : If you have a loan balance of $30,000 and an interest rate of 6% and you are in forbearance for a year right after you enter repayment , $ 1,800 in interest will accrue on your loans. If you do not pay that interest , it will capitalize be added to your principal balance. Because interest accrues on your principal balance , capitalization will cause more interest to accrue over time than if you had paid the interest. It will also increase your monthly payment under most repayment plans. In this example , if you were on the Standard Repayment Plan , interest capitalization would increase your monthly payment by $20 per month and increase the total amount that you would pay by about $600. Learn more about the variety of deferments and forbearances available and how to request a deferment.  Get Relief With Lower Payments on an Income-Driven Repayment Plan \nBecause of the impact of deferment and forbearance on interest and loan forgiveness , it might be better to consider a different repayment plan such as an income - driven repayment plan. These plans base your monthly student loan payments on your income and family size. In some cases , your payment could be as low as $0 per month. You can also qualify for loan forgiveness on your remaining balance if your loan is not paid in full after 20 or 25 years. Be aware, however, that you may have to pay taxes on the amount forgiven , and if you were making payments of $0 per month, that could be a significant amount of money. Be sure to talk to your loan servicer about the best way to stay on track toward successful repayment of your federal student loan.", "If you are not logged in , you cannot complete the TEACH Grant requirements. \n\nWhat is a TEACH Grant? \nThe Teacher Education Assistance for College and Higher Education TEACH Grant Program provides funds to students who are completing or who plan to complete coursework that is required to begin a career in teaching, and agree to teach full time for at least four years at an elementary school, secondary school, or educational service agency that serves students from low - income families and to meet other requirements. Before receiving a TEACH Grant , you must complete : TEACH Grant Initial and Subsequent Counseling and An Agreement to Serve ATS. You must complete TEACH Grant Initial and Subsequent Counseling and a new ATS each year that you receive a TEACH Grant. \n\nTEACH Grant Initial and Subsequent Counseling \n\n\nComplete TEACH Grant Initial and Subsequent Counseling \nLOG IN TO START \n\nWho should complete this? \nStudents who are receiving a TEACH Grant. \n\nHow long will it take? \nTEACH Grant Initial and Subsequent Counseling must be completed in a single session. Most people complete counseling in 20 - 30 minutes. \n\nWhat do I need? \nVerified FSA ID TEACH Grant - eligible School Name \n\nTEACH Grant Agreement To Serve (ATS) \n\n\nComplete TEACH Grant ATS \nLOG IN TO START Preview a read - only version of the ATS \n\nWho should complete this? \nStudents who are receiving a TEACH Grant, and who have completed TEACH Initial and Subsequent Counseling for the same Award Year. \n\nHow long will it take? \nThe ATS Process must be completed in a single session. Most people complete the ATS in 20 - 30 minutes. \n\nWhat do I need? \nVerified FSA ID TEACH Grant - eligible School Name \n\nTEACH Grant Exit Counseling", "Many students get federal student aid to help pay for their study at international schools, either at the undergraduate or graduate level. \nWhether you plan to study abroad for a semester or get your entire degree outside the United States , you may be able to use federal student aid to pay your expenses. The type of aid you can get and the process you must follow will depend on the type of program study - abroad or full degree you plan to enter. Your status as an undergraduate or graduate student also affects the type of aid for which you re eligible , just as it does at schools in the U.S.  Study Abroad for a Semester or Year \nYou may receive federal student aid for a study - abroad program, if you meet the aid eligibility criteria. If you aren t already in the habit of filling out a Free Application for Federal Student Aid FAFSA form each year for college , be sure to learn about the federal student aid programs and the FAFSA process. You ll need to fill out a FAFSA form before you can receive federal student aid to study abroad. To determine which types of aid you ll be able to use for your study - abroad program , contact the financial aid office at your American school. If your American school doesn t participate in the federal student aid programs, then you won t be able to get federal student aid to help pay for your study abroad. Start early, because it s important to get all necessary paperwork done on time, both at your American school and at the international school. The rest of the information on this page below this section does not apply to you if what you re interested in is doing a study - abroad program. ", "Get a Degree From an International School \nIf you ve decided to get your degree from a school outside the U.S. , congratulations. Now let us help you find out which international schools participate in the federal student aid programs and guide you through the process of getting federal aid to make a dent in that tuition bill.  How can I research schools and their requirements? \nFirst , don t panic. You re on your own , but if you re organized and determined, you ll be okay. In this section , we ll share some tips about preparing to study at an international school and some resources to help you learn about schools that participate in the American federal student aid programs. Here are general tips : Start early. You ve got more to do than your friends who are going to American schools, so don t think you can apply for financial aid this month and use it to pay your tuition next month. If you re interested in a particular school, check its website to find out about program availability (does it offer the degree you want? ), cost, enrollment policies, and resources and programs for international students. Do your research and keep a to - do list. For instance , what paperwork needs to be done? (Visas? Housing forms? Registering with the police? Valid passport? Emergency contacts? Medical insurance?) Create a file to organize your documents and information from your school. Find out who at the school will be processing your financial aid. Get their email address, and contact them when you have questions. If you re not sure where to start, try the school s office for international students. Don t forget that you can get help filling out the FAFSA form either within the form itself at fafsa.gov or by phone at 1 - 800 - 4-FED - AID 1 - 800 - 433 - 3243; TTY for the deaf or hard of hearing 1 - 800 - 730 - 8913. Here are resources you can use as you decide which school to attend : International Schools in General International Schools That Participate in the Federal Student Loan Programs this list is updated quarterly, so check with your intended school to be sure it currently participates International Medical Schools for each school, find pass rates on the United States Medical Licensing Examinations, student loan debt for American medical students, and completion rates for American medical students, among other information Note : International medical schools must annually report and meet certain eligibility requirements to remain as participants in the federal student loan programs. Additionally , an international school may be eligible to participate in the federal student loan programs , but the school s medical program may be ineligible to participate. This list is a resource only and you MUST contact your intended school to confirm that its medical program is currently eligible and participates in the loan program. Important: The data contained in each Foreign Medical School Consumer Information page below, with the exception of loan default rates, is self - reported and self - certified by the institution. American University of Antigua American University of the Caribbean Flinders University Jagiellonian University Medical College Masarykova Univerzita McGill University Medical University of Bialystok Medical University of Lublin Medical University of the Americas Ross University , School of Medicine Royal College of Surgeons in Ireland Saba University School of Medicine St George's University , School of Medicine St. Matthew s University School of Medicine Technion - Israel Institute of Technology Tel Aviv University Sackler School of Medicine Universidad Autonoma de Guadalajara University College Cork University College Dublin University of Queensland The Univerzita Karlova v Praze , First Faculty of Medicine The ", "What federal student aid can I receive for my degree at an international school? \nAt many schools around the world , you can receive a federal student loan from the William D. Ford Federal Direct Loan Direct Loan Program. Find out which international schools participate in the Direct Loan Program. You may receive a Direct Subsidized Loan or Direct Unsubsidized Loan for your undergraduate education. Direct Unsubsidized Loans and Direct PLUS Loans are available to graduate students. Your parent also might be able to borrow on your behalf ; he or she should ask about getting a Direct PLUS Loan for parents. International schools do not participate in the U.S. Department of Education s grant programs , so you will not be able to obtain a Federal Pell Grant to get your degree at an international school.  How much can I receive in federal student loan funds? \nThe annual limit for Direct Subsidized Loans plus Direct Unsubsidized Loans varies from $5,500 to $20,500 , depending on a variety of factors year in school, status as a dependent or independent student, etc . . Direct PLUS Loan amounts are determined by subtracting any other financial aid you re receiving from your total cost of attendance at the school.  How do I apply for a federal student loan to use at an international school? \nApply for student loans at your international school using the same process you use to apply for aid in the U.S. Fill out a FAFSA form at fafsa.gov as early as possible. The FAFSA form is available on Oct. 1 for school attendance that begins any time from July 1 of the following year through June of the year beyond that. There is no special FAFSA form for students planning to attend international schools. Learn how to fill out the FAFSA form. Make sure the school you plan to attend has your FAFSA information. International schools have the ability to access your FAFSA information electronically. When you fill out the FAFSA form , list the school you plan to attend in the question about Federal School Codes. The FAFSA site has a tool to let you search for your school s Federal School Code. Once it s listed on your FAFSA form , your school will then download your data. Find out the next steps from your chosen school. Different schools proceed differently at this stage of the process. Ask your school how you will get your loan money what paperwork do you need to fill out, what are the deadlines, etc. Keep track of everything that is required of you ; make copies of paper documents or scan them and file them safely; and meet those deadlines! And if your parent plans to get a Direct PLUS Loan , he or she should keep a close eye on required documents and deadlines as well. If you are a first - year student borrowing federal funds for the first time , you will have to complete entrance counseling. This means you ll be required to read text or watch a video online, or attend an in - person presentation, in order to learn about the responsibilities of taking out a loan. Your entrance counseling might happen before you leave the U.S. or after you arrive at your school ; it depends on the school. ", "How will I get paid? \nYour loan funds will be electronically transmitted from the U.S. Treasury to the international school s designated bank. First the school will put the funds toward anything you owe them tuition, fees, etc . . If there is any money left over after the funds are applied to your account at the school , the extra money will go to you. Your funds might not be disbursed paid out before you leave the U.S. , so you will most likely have to come up with your travel expenses yourself.  When and how do I repay the loan? \nThat depends on whether it s a subsidized or unsubsidized loan versus a PLUS loan. Repayment of a loan used to pay for international study works the same way as repayment of a loan used to pay for an American school. Get information about repaying federal student loans.", "Have you been told you can t get federal student aid any longer? \nIn most circumstances , there are things you can do to get back your eligibility for financial aid. You might lose federal student aid eligibility for a number of reasons. For instance , you might no longer meet one of the basic eligibility criteria , or you might have changed majors and no longer be enrolled in a program that makes you eligible to receive a specific type of funding for instance, a Teacher Education Assistance for College and Higher Education [TEACH] Grant. We recommend you talk to your financial aid office about those and any other circumstances that cause you to lose eligibility. Meanwhile , below we provide some tips on how to get your eligibility back if you find yourself in one of the following situations :  What if I defaulted on my student loan but now I want to get more federal student aid? \nYou ll need to get out of default before you can receive aid again.  What if my grades slipped, or I haven t completed enough credits, and my financial aid office told me I can t get federal student aid? \nYou need to make satisfactory academic progress in college or career school in order to keep getting federal student aid. Talk to your school about whether you can appeal the decision that made you ineligible to continue receiving federal student aid. ", "What if I was an eligible noncitizen but my status expired or was revoked? \nYou ll need to reinstate the status that made you an eligible noncitizen, or become a citizen or permanent resident, before you can receive federal student aid. For information about reinstating your status or becoming a citizen , contact U.S. Citizenship and Immigration Services.  What if I was convicted of a drug offense but now I want to get more federal student aid? \nIf you ve lost eligibility due to a conviction for a drug offense , and you are not scheduled to regain eligibility this academic year , it is possible to regain eligibility early.  What if I m incarcerated? \nYour incarceration affects your eligibility for different types of aid in different ways. If you are ineligible for a particular type of student aid due to your incarceration , you ll need to wait until you re released before you can get that type of aid.  What if I accidentally received more federal student loan or grant money than I was supposed to? \nIn certain cases , you ll need to repay the amount that was beyond the maximum that you were allowed to receive. You can either repay the excess all at once , or you can make arrangements to repay it a bit at a time. Once you ve repaid or made arrangements to repay the excess , you ll be able to receive additional federal student aid assuming you haven t reached the maximum amounts for all programs for which you are otherwise eligible. In other cases , your financial aid office might be able to adjust the amount of money you ll be getting from another federal student aid program to make up for the excess you received. If you have questions about repaying aid or getting additional aid , talk to the financial aid staff at your school. ", "What if I thought I had a high school diploma, but it turns out that I actually don t? \nThis situation might arise if, for instance, your high school is a diploma mill a school that charges a student a fee and requires him or her to complete little or no course work to get the diploma. If you don t have a high school diploma or an equivalent such as a General Educational Development GED certificate , you ll need to talk to the financial aid office at your school to find out what to do.  What if I was convicted of, or pled nolo contendere or guilty to, a crime involving fraud to obtain federal student aid funds? \nYou ll need to repay the funds to the U.S. Department of Education or in the case of a federal student loan to the holder or servicer of the loan.  What if I have property subject to a judgment lien? \nIf you have property subject to a judgment lien for a debt owed to the United States , you will have to pay your debt in full or make arrangements to pay the debt.", "Choose the federal student loan repayment plan that s best for you. \nTo make your payments more affordable , repayment plans can give you more time to repay your loans or can be based on your income. Although you may select or be assigned a repayment plan when you first begin repaying your student loan , you can change repayment plans at any time for free. Contact your loan servicer if you would like to discuss repayment plan options or change your repayment plan. You can get information about all of the federal student loans you have received and find the loan servicer for your loans by logging in to \" My Federal Student Aid. \" \n\nUse Loan Simulator \nBefore you contact your loan servicer to discuss repayment plans , you can use our Loan Simulator to get an early look at which plans you may be eligible for and see estimates for how much you would pay monthly and overall. \n\nRepay Your Direct Loans and Federal Family Education Loan (FFEL) Program Loans \n\n\nRepay Your Federal Perkins Loan \nPerkins Loan repayment plan options are not the same as those for Direct Loan Program or FFEL Program loans. Check with your school for more information on Perkins Loan repayment plans. \n\nConsolidate Your Loans \nIf you have multiple federal student loans , you can consolidate them into a single Direct Consolidation Loan. This may simplify repayment if you are currently making separate loan payments to different loan holders or servicers, as you'll only have one monthly payment to make. There may be tradeoffs, however , so you'll want to learn about the advantages and possible disadvantages of loan consolidation before you consolidate.", "Student Loan Delinquency and Default \nLoans must be repaid. If you ve missed a payment or are having trouble making payments , immediately contact and discuss options with the organization that handles billing and other services for your loan to avoid defaulting on your loan. For the William D. Ford Federal Direct Loan Program or the Federal Family Education Loan Program , contact your loan servicer. For the Federal Perkins Loan Program , contact the school where you received the loan for details. If you know that your Perkins Loan has been assigned to the U.S. Department of Education , contact the ECSI Federal Perkins Loan Servicer. If you don t know who your loan servicer is , call the Federal Student Aid Information Center FSAIC at 1 - 800 - 433 - 3243. LOG IN Automatic Administrative Forbearance and Temporary 0% Interest as a Result of the COVID-19 National Emergency To provide relief to student loan borrowers during the COVID-19 national emergency , federal student loan borrowers are automatically being placed in an administrative forbearance, which allows you to temporarily stop making your monthly loan payments. In addition , interest is being temporarily set at 0% on federal student loans. This 0% interest and suspension of payments will last from March 13 , 2020, through Sept. 30 , 2020 , but you can still make payments if you choose. Have questions? Find out what loans qualify, and get additional information about the 0% interest period, administrative forbearance, and other student loan flexibilities due to the COVID-19 national emergency. ", "Understanding Delinquency \nIt's important to pay the amount shown on your bill and to pay by the due date. The first day after you miss a student loan payment , your loan becomes past due, or delinquent. Your loan account remains delinquent until you repay the past due amount or make other arrangements, such as deferment or forbearance, or changing repayment plans. If you are delinquent on your student loan payment for 90 days or more , your loan servicer will report the delinquency to the three major national credit bureaus. If you continue to be delinquent , your loan can risk going into default. Don t ignore your student loan payments defaulting on your loan can have serious consequences. Learn more on how to avoid default. Note : Credit bureaus may be called \" consumer reporting agencies \" on the promissory note you signed before receiving your loan. If you have a poor credit rating , it can be difficult for you to obtain credit cards, home or car loans , or other forms of consumer credit. Note: You may also be charged a higher interest rate than someone with a good credit rating. You also may have trouble signing up for utilities , getting homeowner's insurance, getting a cell phone plan, or getting approval to rent an apartment credit checks usually are required for renters.  Understanding Default \nIf your loan continues to be delinquent , the loan may go into default. The point when a loan is considered to be in default varies depending on the type of loan you received. For a loan made under the William D. Ford Federal Direct Loan Program or the Federal Family Education Loan Program , you re considered to be in default if you don t make your scheduled student loan payments for at least 270 days. For a loan made under the Federal Perkins Loan Program , the holder of the loan may declare the loan to be in default if you don t make your scheduled payment by the due date. Find out where to go for information about your Perkins Loan. If you defaulted on any of your federal student loans , contact the organization that notified you of the default as soon as possible so you can explain your situation fully and discuss your options. If you make repayment arrangements soon enough after your loan has gone into default , you may be able to resolve the default quickly. Learn more about getting out of default. ", "Consequences of Default \nThe consequences of defaulting cannot only impact your ability to borrow but can impact your finances as well. Consequences include the following : The entire unpaid balance of your loan and any interest you owe becomes immediately due this is called \" acceleration \". You can no longer receive deferment or forbearance , and you lose eligibility for other benefits, such as the ability to choose a repayment plan. You lose eligibility for additional federal student aid. The default is reported to credit bureaus, damaging your credit rating and affecting your ability to buy a car or house or to get a credit card. It may take years to reestablish a good credit record. You may not be able to purchase or sell assets such as real estate. Your tax refunds and federal benefit payments may be withheld and applied toward repayment of your defaulted loan this is called Treasury offset. Your wages may be garnished. This means your employer may be required to withhold a portion of your pay and send it to your loan holder to repay your defaulted loan. Your loan holder can take you to court. You may be charged court costs, collection fees, attorney s fees, and other costs associated with the collection process. Your school may withhold your academic transcript until your defaulted student loan is satisfied. The academic transcript is the property of the school , and it is the school's decision not the U.S. Department of Education s or your loan holder s whether to release the transcript to you. If You Are Delinquent or In Default , Your Loan Servicer Can Help If you're having trouble making payments or are concerned about the status of your federal student loan , you have options available to you. Contact your loan servicer to discuss how to get back on track with payments. There are several affordable repayment options that you may be able to take advantage of to continue making loan payments even when times are tough. ", "My Loan Was Mistakenly Put in Default \nIf you believe your loan has been placed in default by mistake , here s what you can do to correct the error.  Defaulted Federal Loan Servicer \nMAXIMUS Federal Services, Inc., is the loan servicer for defaulted federal student loans over 360 days delinquent.", "Public Service Loan Forgiveness (PSLF) \nIf you are employed by a U.S. federal, state, local, or tribal government or not - for - profit organization , you might be eligible for the Public Service Loan Forgiveness Program. Keep reading to see whether you might qualify. Alert! If your PSLF application is denied because some or all of your payments were not made under a qualifying repayment plan for PSLF , you might still be eligible for forgiveness through Temporary Expanded Public Service Loan Forgiveness. Learn more. The PSLF Program forgives the remaining balance on your Direct Loans after you have made 120 qualifying monthly payments under a qualifying repayment plan while working full - time for a qualifying employer. PSLF Resources Public Service Loan Forgiveness PSLF Help Tool Public Service Loan Forgiveness : Employment Certification Form Public Service Loan Forgiveness : Application for Forgiveness Public Service Loan Forgiveness Program FAQ  Qualifying for PSLF \nTo qualify for PSLF , you must be employed by a U.S. federal, state, local, or tribal government or not - for - profit organization ; work full - time for that agency or organization ; have Direct Loans or consolidate other federal student loans into a Direct Loan ; repay your loans under an income - driven repayment plan; and make 120 qualifying payments. To ensure you re on the right track , you should submit a Public Service Loan Forgiveness: Employment Certification Form annually or when you change employers. We ll use the information you provide on the form to let you know if you are making qualifying PSLF payments. This will help you determine if you re on the right track as early as possible. ", "Qualifying Employment \nQualifying employment for the PSLF Program isn t about the specific job that you do for your employer. Instead , it s about who your employer is. Employment with the following types of organizations qualifies for PSLF : Government organizations at any level U.S. federal, state, local, or tribal Not - for - profit organizations that are tax - exempt under Section 501 of the Internal Revenue Code Serving as a full - time AmeriCorps or Peace Corps volunteer also counts as qualifying employment for the PSLF Program. The following types of employers do not qualify for PSLF : Labor unions Partisan political organizations For - profit organizations, including for - profit government contractors Contractors : You must be directly employed by a qualifying employer for your employment to count toward PSLF. If you re employed by an organization that is doing work under a contract with a qualifying employer , it is your employer s status not the status of the organization that your employer has a contract with that determines whether your employment qualifies for PSLF. For example , if you re employed by a for - profit contractor that is doing work for a qualifying employer , your employment does not count toward PSLF. Other types of not - for - profit organizations : If you work for a not - for - profit organization that is not tax - exempt under Section 501 of the Internal Revenue Code, it can still be considered a qualifying employer if it provides certain types of qualifying public services. However , in our experience , few organizations meet these criteria. ", "Full-time Employment \nFor PSLF , you re generally considered to work full - time if you meet your employer s definition of full - time or work at least 30 hours per week, whichever is greater. If you are employed in more than one qualifying part - time job at the same time , you will be considered full - time if you work a combined average of at least 30 hours per week with your employers. If you are employed by a not - for - profit organization , time spent on religious instruction, worship services, or any form of proselytizing may not be counted toward meeting the full - time employment requirement.  Eligible Loans \nAny loan received under the William D. Ford Federal Direct Loan Direct Loan Program qualifies for PSLF. Loans from these federal student loan programs don't qualify for PSLF: the Federal Family Education Loan FFEL Program and the Federal Perkins Loan Perkins Loan Program. However , they may become eligible if you consolidate them into a Direct Consolidation Loan. Student loans from private lenders do not qualify for PSLF. If you consolidate your loans , only qualifying payments that you make on the new Direct Consolidation Loan can be counted toward the 120 payments required for PSLF. Any payments you made on the loans before you consolidated them don t count. The PSLF Help Tool will tell you whether you need to consolidate some or all of your loans. ", "Qualifying Payments \nA qualifying monthly payment is a payment that you make after Oct. 1 , 2007 ; under a qualifying repayment plan ; for the full amount due as shown on your bill ; no later than 15 days after your due date ; and while you are employed full - time by a qualifying employer. You can make qualifying monthly payments only during periods when you re required to make a payment. Therefore , you can t make a qualifying monthly payment while your loans are in an in-school status, the grace period , a deferment , or a forbearance. If you want to make qualifying payments, but you re in a deferment or forbearance , contact your federal student loan servicer to waive the deferment or forbearance. Your 120 qualifying monthly payments don t need to be consecutive. For example , if you have a period of employment with a nonqualifying employer , you will not lose credit for prior qualifying payments you made. The best way to ensure that you are making on - time, complete payments is to sign up for automatic debit with your loan servicer.  Can I qualify sooner by making higher monthly payments? \nNo. If you make a monthly payment for more than the amount you are required to pay , you should keep in mind that you can receive credit for only one payment per month, no matter how much you pay. You can t qualify for PSLF faster by making larger payments. If you want to pay more than your required monthly payment amount , you should contact your servicer and ask that the extra amount not be applied to cover future payments. Otherwise, you may end up being paid ahead , and you can t receive credit for a qualifying PSLF payment during a month when no payment is due. ", "What if I m in AmeriCorps or the Peace Corps, or my loans are being repaid by the U.S. Department of Defense? \nThere are special rules that allow borrowers who are AmeriCorps or Peace Corps volunteers to use their Segal Education Award or Peace Corps transition payment to make a single lump - sum payment that may count for up to 12 qualifying PSLF payments. In addition , borrowers who have lump - sum payments made on their behalf under a student loan repayment program administered by the U.S. Department of Defense may also receive credit for more than one qualifying PSLF payment.  Qualifying Repayment Plans \nQualifying repayment plans include all of the income - driven repayment IDR plans plans that base your monthly payment on your income. While payments made under the 10-year Standard Repayment Plan are qualifying payments , you would have to change to an IDR plan to benefit from PSLF. Under the 10-year Standard Repayment Plan , your loans will be paid in full once you have made the 120 qualifying PSLF payments and there will be no balance to forgive. Before you change to an IDR plan , however , you should understand that your payment may increase under these plans depending on your income and the amount that you owe. If this is the case for you, and you do not wish to pay this higher amount , then the PSLF Program may not benefit you. The following repayment plans do not qualify for PSLF : Standard Repayment Plan for Direct Consolidation Loans Graduated Repayment Plan Extended Repayment Plan Alternative Repayment Plan ", "PSLF Process \nBecause you have to make 120 qualifying monthly payments , it will take at least 10 years before you can qualify for PSLF. Important : You must be working for a qualifying employer at the time you submit the application for forgiveness and at the time the remaining balance on your loan is forgiven. If you are working toward PSLF , you should complete and submit the Public Service Loan Forgiveness: Employment Certification Form often referred to as the ECF annually or when you change employers. If you have made 120 qualifying payments , you should fill out and submit the Public Service Loan Forgiveness: Application for Forgiveness PSLF application. Either way , we ll use the information you provide on the form to let you know if you are making qualifying PSLF payments. This will help you determine if you re on the right track as early as possible. Alert! If you don t periodically submit the Employment Certification Form , then at the time you apply for forgiveness , you will be required to submit an Employment Certification Form for each employer where you worked while making the required 120 qualifying monthly payments.  Public Service Loan Forgiveness (PSLF) Help Tool \nThe PSLF Help Tool will help you understand more about the PSLF Program and what you need to do to participate and possibly have your loans forgiven ; help you assess whether your employer qualifies for PSLF ; help you assess whether your loans qualify for PSLF ; help you decide which PSLF form to submit ; and use the information we have about your federal student loans to explain other actions you should or must take if you want to receive PSLF. At this time , the PSLF Help Tool won t allow you or your employer to electronically sign the forms that the tool will generate for you. Therefore , after you complete the PSLF Help Tool process , you will need to print the PDF document that the tool generates, sign it yourself, have your employer sign it, and then submit the form to the PSLF servicer as instructed on the printed PDF document. ", "Employment Certification Form Process \nAfter you submit an Employment Certification Form , your loans will transfer to the PSLF servicer. After the PSLF servicer determines how many qualifying payments you made during the period on your Employment Certification Form , you ll receive a letter telling you the number of qualifying payments you have made. The number of qualifying payments you have made will only be updated whenever you submit another Employment Certification Form or PSLF application that documents a new period of qualifying employment. You can find out how many qualifying payments you ve made by logging in to your account with the PSLF servicer and viewing your loan details or by looking on your most recent billing statement.  Employment Certification \nYour employment can be certified by an official who has access to your employment or service records and is authorized by your employer to certify your employment or your service as an AmeriCorps or Peace Corps volunteer. This will often be someone in the human resources department, though in some cases your direct supervisor or another individual may be authorized to certify your employment. Check with your organization to see who is allowed to certify your Employment Certification Form.  Tax on Forgiveness \nAmounts forgiven under the PSLF Program are not considered income by the Internal Revenue Service. Therefore , you will not have to pay federal income tax on the amount of your Direct Loans that is forgiven. ", "How to Submit PSLF Forms \nSend the completed form, with your employer s certification, to FedLoan Servicing, the U.S. Department of Education s federal loan servicer for the PSLF Program. You may mail the form to this address : U.S. Department of Education FedLoan Servicing P.O. Box 69184 Harrisburg, PA 17106 - 9184 You may also fax your PSLF application or Employment Certification Form to 717 - 720 - 1628. If FedLoan Servicing is already your servicer , you may upload your PSLF application or Employment Certification Form on their website.  Contact for PSLF Questions \nIf you have more questions , review the PSLF FAQ page. If your questions aren't covered on that page , contact FedLoan Servicing at 1 - 855 - 265 - 4038.", "Master Promissory Note (MPN) for Graduate/Professional Students \nThe 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 .Graduate / professional students may be eligible for both Direct Unsubsidized Loans and Direct PLUS Loans, which have different MPNs. You may receive more than one loan under an MPN over a period of up to 10 years to pay for your educational costs, as long as the school is authorized to use the MPN in this way and chooses to do so. Your school will tell you which loans, if any, you are eligible to receive. \n\nMPN for Subsidized and Unsubsidized Loans \nUse this MPN for Direct Unsubsidized Loans available to eligible graduate / professional students. You may also need to complete an MPN for Direct PLUS Loans. Download PDF Preview Read Only LOG IN TO START View Demo \n\nMPN for Direct PLUS Loans \nUse this MPN for Direct PLUS Loans available to eligible graduate / professional students. You may also need to complete an MPN for Direct Unsubsidized Loans. Download PDF Preview Read Only LOG IN TO START View Demo \n\nWho should complete this? \n\n\n30 Minutes \n\n\nHow long will it take? \n\n\nWhat do I need? \nVerified username and password FSA ID School Name Permanent/Mailing Address Contact Information Employer Information Reference Information Return to the MPN Selection Page Close Yes Close Yes", "If you want to keep receiving your federal student aid, make sure you stay eligible. \nYou ll need to continue to meet the basic eligibility criteria, make satisfactory academic progress, and fill out the FAFSA form every year. Once you ve filled out your Free Application for Federal Student Aid FAFSA form and received your grant, loan, or work - study funds to help you pay for college or career school , make sure you stay eligible throughout the academic year and in subsequent years.  Continue to Meet Basic Eligibility Criteria \nRemember , the basic eligibility criteria that allow you to get federal student aid continue to apply throughout the time you re receiving aid not just when you first fill out the FAFSA form and are awarded aid.  Make Satisfactory Academic Progress \nYou need to make satisfactory academic progress in order to continue receiving federal student aid. In other words, you have to make good enough grades, and complete enough classes (credits, hours, etc. ), to keep moving toward successfully completing your degree or certificate in a time period that s acceptable to your school. Each school has a satisfactory academic progress policy for financial aid purposes ; to see your school s, you can check your school s website or ask someone at the financial aid office. Your school s policy will tell you what grade - point average or equivalent standard you need to maintain ; how quickly you need to be moving toward graduation for instance, how many credits you should have successfully completed by the end of each year ; how an incomplete class, withdrawal, repeated class, change of major, or transfer of credits from another school affects your satisfactory academic progress ; how often your school will evaluate your progress ; what will happen if you fail to make satisfactory academic progress when your school evaluates you ; whether you are allowed to appeal your school s decision that you haven t made satisfactory academic progress reasons for appeal usually include the death of a member of your family, your illness or injury, or other special circumstances ; and how you can regain eligibility for federal student aid. ", "Fill Out the FAFSA Form Each Year \nWhen you fill out the FAFSA form , you are applying for aid for a specific year. In order to receive aid the next year , you ll need to submit that next year s FAFSA form. Luckily , the FAFSA website makes it easy for you by allowing you to submit a Renewal FAFSA form that remembers certain information you reported the year before and places it in your new FAFSA form.", "Receiving Financial Aid \nYour college or career school not the U.S. Department of Education will distribute your federal student aid. You ve told your school which financial aid you want to accept. Learn about when and how you will receive the aid.  When You ll Receive Your Financial Aid \nThe type of aid you accepted affects when you ll get your aid.  Grants and Student Loans \nGenerally , your school will give you your grant or loan money in at least two payments called disbursements. In most cases , your school must give you your grant or loan money at least once per term semester, trimester, or quarter. Schools that don t use traditional terms such as semesters or quarters usually must give you your grant or loan money at least twice for instance, at the beginning and midpoint of your academic year or program. Note: If you re a parent taking out a Direct PLUS Loan to help pay for your child s education expenses , your loan funds will be disbursed according to the same type of schedule. The following may apply if you haven t taken out a federal student loan before : If you re a first - year undergraduate student and a first - time borrower , you may have to wait 30 days after the first day of your enrollment period semester, trimester, etc. before your school is allowed to give you your loan money. Check with your school to see whether this rule applies. If you re a first - time borrower of a Direct Subsidized Loan or a Direct Unsubsidized Loan , you must complete entrance counseling before your school can give you your loan money. If you are a graduate or professional student taking out a Direct PLUS Loan for the first time , you must complete entrance counseling before you receive your first loan disbursement. Note: Counseling isn t required if you re a parent taking out a Direct PLUS Loan to help pay for your child s education. ", "Work-Study \nIf you re going to have a work - study job , you ll be paid at least once a month. If you don t receive the type or amount of financial aid you expected , contact your school. The financial aid office can explain how your aid was determined.  How You ll Receive Your Financial Aid \nHow you ll get your aid depends on the type of aid you accepted.  Grants and Student Loans \nTypically , the school first applies your grant or loan money toward your tuition, fees, and if you live on campus room and board. Any money left over is paid to you directly for other education expenses. If you get your loan money , but then you realize that you don t need the money after all , you may cancel all or part of your loan within 120 days of receiving it and no interest or fees will be charged.  Work-Study \nYour school must pay you directly unless you request that the school send your payments directly to your bank account or use the money to pay for education - related charges e.g., tuition, fees, room and board on your student account.  Direct PLUS Loans for Parents \nIn most cases , your child s school will give you your loan money by crediting it to your child s school account to pay tuition, fees, room, board, and other authorized charges. If there is money left over , the school will pay it to you. In some cases , with your permission , the school may give the leftover money to your child. If you take out a loan as a student or parent , your school or your child s school will notify you in writing each time they give you any part of your loan money. At the same time , they ll provide information about how to cancel all or part of your loan if you find you no longer need the full amount. You will also receive a notice from your loan servicer confirming that you received the loan money. ", "Paying for Textbooks and Other Course Materials If You Haven t Received Your Financial Aid \nSchools that participate in federal student aid programs must provide a way for you to obtain your books and supplies by the seventh day of the term if you are eligible for disbursement i.e., the payment of your financial aid 10 days before the term begins and you will have a credit balance i.e., money left over after your financial aid is applied to your tuition, fees, and other school charges as applicable. Your school can tell you if the above criteria apply to you.  How Your School Gets Your Financial Aid Funds to You for Course Materials \nYou should ask your financial aid office about this because it varies from school to school. For example , if the school offers a bookstore voucher or other means for students to receive their books and supplies through the school or its bookstore , you could obtain your materials that way. When your school gives you financial aid , sometimes money is left over after your aid is applied to your tuition, fees, and other school charges. This remaining amount is called a credit balance. If you have a credit balance , your school must pay this amount to you directly within 14 days unless you authorize the school to keep the money to pay for future institutional charges. The amount the school is required to provide is either the amount of your credit balance or the amount needed for books and supplies as determined by your school, whichever is less. Your school can tell you if this applies to you. Even if the school s preferred arrangement is to provide vouchers or other means for you to get your course materials through the school or its bookstore , the school must provide you the opportunity to opt out, receive a check from the school, and obtain the books and supplies on your own unless one of the following exceptions applies : The school can demonstrate a compelling health and safety reason for obtaining the materials through the institution or its supplier. The school can demonstrate that the materials are not currently available elsewhere or accessible to students via other means. Saving Money on Textbooks and Course Materials Depending on what materials are available at your school and for your courses , you may have several lower - cost options to obtain your books : If your course uses a hard - copy textbook , consider buying a used copy or renting your textbook from a bookstore or online. If you purchase your textbook , consider reselling that textbook, if allowed, when you are done with the course. Even with new textbooks , you may be able to save money by shopping around. Some schools use open - access texts and online content to offer students further savings over hard - copy textbooks. Open - access texts are available for free. If your course uses paid online content , 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. The paid online content may also come with study tools and other content in addition to the textbook. Your options for course material formats will vary by school, instructor, and course, so learning what your options are and knowing about any cost - reduction initiatives your school may have can result in significant savings. A Note About ISBNs Your school must publish the International Standard Book Number ISBN for each course text in the online course schedule entry if the ISBN is available. The ISBN identifies the specific edition of the book that s required for your class and helps you be sure you re obtaining the right book when you search for it. If an ISBN is unavailable , the school should provide the author, title, publisher, and copyright date.", "Estimate Your Aid (FAFSA4caster) \nIf you would like to estimate your federal student aid, but aren t yet ready to apply for aid , try FAFSA4caster. FAFSA4caster is a simple eligibility estimator tool that can help you plan when it comes to paying for college. FAFSA4caster gives you a free estimate of your eligibility for federal student aid. You must use the Free Application for Federal Student Aid FAFSA form to apply for aid once you ve decided to apply for admission and attend college. Understand Your Options with FAFSA4caster Types of Questions Asked in FAFSA4caster Information Provided by FAFSA4caster FAFSA4caster is not an application for aid ; it s a planning tool. Complete the FAFSA form when you are ready to apply for aid.  Understand Your Options with FAFSA4caster \nFAFSA4caster is a helpful tool for anyone who is not yet ready to submit a FAFSA form it s recommended for high school juniors, and even as early as middle school. Parents of younger students can use FAFSA4caster to receive early estimates, create scenarios based on future earnings, and then establish college funding strategies. Adult students also can use FAFSA4caster to get an idea of how much and what types of federal aid they might receive.  Types of Questions Asked in FAFSA4caster \nIn FAFSA4caster , you answer financial and other questions that are used to estimate your federal student aid eligibility. You may be able to answer most of the questions easily , but some of the questions may ask you to reference your personal records for instance, your federal tax information or your bank statements. For the most accurate estimate , be sure to answer all the questions on FAFSA4caster, even if you have to estimate or guess. You can print each estimate once FAFSA4caster completes the calculation. ", "Information Provided by FAFSA4caster \nWhen you have completed all the relevant questions in the FAFSA4caster , the screen displays a worksheet to help you determine the net cost of attending college. Here s what you can expect to see on the worksheet : You can enter the school s cost of attendance. There is a link to the College Scorecard in case you need to look up the cost. Next , you can see a number of sources of college funding. FAFSA4caster estimates your Federal Pell Grant amount if any. Then , you can fill in the amounts of state and college grants, and any scholarships, that you expect or hope to get. Lastly , you can see the estimates for your Federal Work - Study amount based on the average nationally, and maximum Direct Subsidized Loan and Direct Unsubsidized Loan eligibility. Once you select \" Calculate , \" FAFSA4caster summarizes the cost, the total aid entered, and the difference the net cost of attending college. Your estimated Expected Family Contribution EFC also appears. You can compare schools by changing the cost of attendance, deleting state aid if you will be an out - of - state student at a particular school, or modifying the amount of aid available from the school, among other comparisons.", "You may be eligible to have all or a portion of your Federal Perkins Loan canceled (based on your employment or volunteer service) or discharged (under certain conditions). \nLearn more to see whether you are eligible and how to apply. Federal Perkins Loan cancellation is based on eligible employment or eligible volunteer service and the length of time that you were in such a position. Discharge of your Perkins Loan may occur under certain circumstances.  Perkins Loan Teacher Cancellation \nWhat are the eligibility requirements? \nYou qualify for cancellation of up to 100 percent of a Federal Perkins Loan if you have served full - time in a public or nonprofit elementary or secondary school system as a teacher in a school serving students from low - income families ; special education teacher , including teachers of infants, toddlers, children, or youth with disabilities ; or teacher in the fields of mathematics, science, foreign languages, or bilingual education, or in any other field of expertise determined by a state education agency to have a shortage of qualified teachers in that state. Eligibility for teacher cancellation is based on the duties presented in an official position description, not on the position title. To receive a cancellation , you must be directly employed by the school system. There is no provision for canceling Federal Perkins Loans for teaching in postsecondary schools. Note that you also qualify for deferment while you re performing teaching service that qualifies for cancellation. Contact your college or your college s Perkins Loan servicer for information on applying for deferment. ", "Who is considered a teacher? \nA teacher is someone including for example, a school librarian or guidance counselor who provides elementary or secondary school students with direct services directly related to classroom teaching. You do not need to be certified or licensed to receive cancellation benefits. However , your employing school must consider you to be a full - time professional for the purposes of salary, tenure, retirement benefits, etc. If you are a supervisor, administrator, researcher, or curriculum specialist , you are not considered a teacher unless you primarily provide direct and personal educational services to students.  How long must I teach? \nFor each full academic year or its equivalent of full - time teaching service , you are eligible to have a portion of your loan canceled. There is no requirement that you must teach a given number of hours a day to qualify as a full - time teacher ; the employing school is responsible for making that decision. An academic year or its equivalent for cancellation purposes is defined as one complete school year or two half - years that are from different school years. The two half - years must be complete and consecutive, excluding summer sessions, and must generally fall within a 12-month period.  Teaching Part-time at Multiple Schools \nYou can have your loan canceled if you are simultaneously teaching part - time in two or more schools if an official at one of the schools where you taught certifies that you taught full - time for a full academic year. ", "Teaching at a Private School \nYour loan can be canceled for services performed in a private school if the private school has established its nonprofit status with the Internal Revenue Service, and if the school is providing elementary and/or secondary education according to state law.  Teaching at a Preschool or Prekindergarten Program \nYour loan can be canceled only if the state considers such a program to be a part of its elementary education program. A low - income - school - directory designation that includes prekindergarten or kindergarten does not suffice for a state determination of program eligibility.  Teaching at Low-income Schools \nA cancellation based on teaching in a school serving students from low - income families will be granted only if you taught in an eligible school as determined by the state education agency. To be considered a low - income school , the school must be in a school district that qualified for federal Title I funds in the year for which the cancellation is sought. Also , more than 30 percent of the school s enrollment must be made up of children in the Title I program. Each year , the U.S. Department of Education ED publishes a list of low - income elementary and secondary schools. To find out if a school is classified as a low - income school, check our online database for the year you have been employed as a teacher. Questions about the inclusion or omission of a particular school must be directed to the state education agency contact in the state where the school is located and not to ED. All elementary and secondary schools operated by the Bureau of Indian Education BIE or operated on Indian reservations by Indian tribal groups under contract with BIE qualify as schools serving low - income students. NOTE: If you have had a portion of your loan canceled for teaching at a low - income elementary or secondary school in one year , you can continue to have portions of your loan canceled for teaching at that school even if it is not listed as a low - income school in later years. Under certain circumstances , the institution that holds your Perkins Loan may permit retroactive cancellation if you can demonstrate that you qualified for cancellation in a prior year. However , the institution may not refund payments made during such a retroactive period. ", "Teaching at an Educational Service Agency \nIf you teach at an educational service agency , your teaching service may qualify for cancellation if the period of qualifying service includes Aug. 14 , 2008, or begins on or after that date.  Teaching Special Education \nYou must have an official at the public or other nonprofit elementary or secondary school certify that you are a full - time special education teacher of infants, toddlers, children, or youth with disabilities either on the deferment / cancellation form or on an official letter from the school bearing the school's seal or letterhead. If you provide one of the services listed below , you qualify as a teacher only if you are licensed, certified, or registered by the appropriate state education agency for that area in which you are providing related special educational services, and the services you provide are part of the educational curriculum for handicapped children. The services are speech and language pathology and audiology , physical therapy, occupational therapy, psychological and counseling services , and recreational therapy.  Teaching in a Designated Subject Shortage Area \nThis cancellation is based on full - time teaching if there is a shortage of teachers in your subject area. Each year the state education agency determines any subject shortage areas in the elementary and secondary schools within the state. Check with your local school system or state education agency to find out if your subject - matter area has been so designated. If you teach full - time in science, mathematics, foreign language, or bilingual education, you qualify for cancellation even if the state has not designated one of these subject areas as a shortage area. For a borrower to be considered as teaching in a field of expertise , the majority of classes taught must be in that field of expertise. ", "Nationwide Listing of Teacher Shortage Areas \nYou may download the list of teacher shortage areas : PDF : Teacher Shortage Areas Nationwide Listing Word file : Teacher Shortage Areas Nationwide Listing  What amount can be canceled for teaching service? \nIf you are eligible for cancellation under any of the categories listed above , up to 100 percent of the loan may be canceled for teaching service, in the following increments : 15 percent canceled per year for the first and second years of service 20 percent canceled for the third and fourth years 30 percent canceled for the fifth year Each amount canceled per year includes the interest that accrued during the year.  Other Employment or Volunteer Service That Qualifies for Perkins Loan Cancellation \nIn addition to teaching , the following employment or service may qualify you for a full or partial Perkins Loan cancellation depending on the type of loan you have and the date of the loan : Early childhood education provider Employee at a child or family services agency Faculty member at a tribal college or university Firefighter Law enforcement officer Librarian with master s degree at Title I school Military service Nurse or medical technician Professional provider of early intervention disability services Public defender Speech pathologist with master s degree at Title I school Volunteer service AmeriCorps VISTA or Peace Corps Find out how much of your loan can be canceled.  Perkins Loan Discharge \nUnder certain conditions , your Perkins Loan may be discharged. When your loan is discharged , it means that you are no longer obligated to pay back your loan. Conditions that may lead to discharge include the following : Bankruptcy Death School closure Service-connected disability (veterans) Spouse of a victim of the events of 9/11 Total and permanent disability ", "Perkins Loan Cancellation and Discharge Summary Charts \nCancellation Chart \nUnless otherwise noted in the chart , the cancellation rate per completed academic year of full - time teaching or for each year of otherwise qualifying full - time service is 15 percent of the original principal loan amount for each of the first and second years ; 20 percent of the original principal loan amount for each of the third and fourth years ; and 30 percent of the original principal loan amount for the fifth year. Each amount includes the interest that accrued during each year of service. Note: As of Oct. 7 , 1998 , all Perkins Loan borrowers are eligible for all cancellation benefits regardless of when the loan was made or the terms of the borrower's promissory note. However , this benefit is not retroactive to services performed before Oct. 7 , 1998.  Discharge Chart \nIf your loan is discharged , you will be released from your obligation to repay the loan.  Applying for Cancellation or Discharge \nApplication for cancellation or discharge of a Perkins Loan must be made to the school that made the loan or to the school s Perkins Loan servicer. The school or its servicer can provide forms and instructions specific to your type of cancellation or discharge.", "Consolidating your federal education loans can simplify your payments, but it also can result in the loss of some benefits. \nLearn about consolidation so you can weigh the pros and cons and decide whether a Direct Consolidation Loan is right for you. A Direct Consolidation Loan allows you to consolidate combine multiple federal education loans into one loan. The result is a single monthly payment instead of multiple payments. Loan consolidation can also give you access to additional loan repayment plans and forgiveness programs. There is no application fee to consolidate your federal education loans into a Direct Consolidation Loan. You may be contacted by private companies that offer to help you apply for a Direct Consolidation Loan, for a fee. These companies have no affiliation with the U.S. Department of Education ED or ED s consolidation loan servicers. There s no need to pay anyone for assistance in getting a Direct Consolidation Loan. The application process is easy and free.  Should I consolidate my loans? \nThe answer depends on your individual circumstances. Pros If you currently have federal student loans that are with different loan servicers , consolidation can greatly simplify loan repayment by giving you a single loan with just one monthly bill. Consolidation can lower your monthly payment by giving you a longer period of time up to 30 years to repay your loans. If you consolidate loans other than Direct Loans , consolidation may give you access to additional income - driven repayment plan options and Public Service Loan Forgiveness PSLF. Direct Loans are from the William D. Ford Federal Direct Loan Program. You ll be able to switch any variable - rate loans you have to a fixed interest rate. Cons Because consolidation usually increases the period of time you have to repay your loans , you will likely make more payments and pay more in interest than would be the case if you didn t consolidate. When you consolidate your loans , any outstanding interest on the loans that you consolidate becomes part of the original principal balance on your consolidation loan, which means that interest may accrue on a higher principal balance than might have been the case if you had not consolidated. Consolidation may also cause you to lose certain borrower benefits such as interest rate discounts, principal rebates, or some loan cancellation benefits that are associated with your current loans. If you re paying your current loans under an income - driven repayment plan , or if you ve made qualifying payments toward Public Service Loan Forgiveness , consolidating your current loans will cause you to lose credit for any payments made toward income - driven repayment plan forgiveness or PSLF. If consolidation would cause you to lose the benefits associated with some of your current loans and you are working toward earning those benefits , you should not include those loans in your new Direct Consolidation Loan. When you apply for a Direct Consolidation Loan , you don t have to consolidate all of your eligible loans. For example , if you have both Direct Loans and other types of federal student loans, and you have been making payments toward PSLF on your Direct Loans , you should not consolidate your Direct Loans along with your other loans. Similarly , if you have Federal Perkins Loans and you are employed in an occupation that would qualify you for Perkins Loan cancellation benefits , you should not include your Perkins Loans when you consolidate. Leaving out your Direct Loans or Perkins Loans will preserve the benefits on those loans. If you want to lower your monthly payment amount but are concerned about the impact of loan consolidation , you might want to consider deferment or forbearance as options for short - term payment relief, or consider switching to an income - driven repayment plan for longer - term payment relief. Once your loans are combined into a Direct Consolidation Loan , they cannot be removed. The loans that were consolidated are paid off and no longer exist. ", "What types of loans can be consolidated? \nMost federal student loans, including the following, are eligible for consolidation : Subsidized Federal Stafford Loans Unsubsidized and Nonsubsidized Federal Stafford Loans PLUS loans from the Federal Family Education Loan FFEL Program Supplemental Loans for Students Federal Perkins Loans Nursing Student Loans Nurse Faculty Loans Health Education Assistance Loans Health Professions Student Loans Loans for Disadvantaged Students Direct Subsidized Loans Direct Unsubsidized Loans Direct PLUS Loans FFEL Consolidation Loans and Direct Consolidation Loans only under certain conditions Federal Insured Student Loans Guaranteed Student Loans National Direct Student Loans National Defense Student Loans Parent Loans for Undergraduate Students Auxiliary Loans to Assist Students Private education loans are not eligible for consolidation , but for some Direct Consolidation Loan repayment plans, the total amount of your education loan debt including any private education loans determines how long you have to repay your Direct Consolidation Loan. Direct PLUS Loans received by parents to help pay for a dependent student s education cannot be consolidated together with federal student loans that the student received.  When can I consolidate my loans? \nGenerally , you are eligible to consolidate after you graduate, leave school, or drop below half - time enrollment.  What are the requirements to consolidate a loan? \nHere are some of the eligibility requirements for receiving a Direct Consolidation Loan : The loans you consolidate must be in repayment or in the grace period. Generally , you cannot consolidate an existing consolidation loan unless you include an additional eligible loan in the consolidation. Under certain circumstances , you may reconsolidate an existing FFEL Consolidation Loan without including any additional loans. If you want to consolidate a defaulted loan , you must either make satisfactory repayment arrangements defined as three consecutive monthly payments on the loan before you consolidate, or you must agree to repay your new Direct Consolidation Loan under the Income-Based Repayment Plan, Pay As You Earn Repayment Plan , Revised Pay As You Earn Repayment Plan , or Income-Contingent Repayment Plan. If you want to consolidate a defaulted loan that is being collected through garnishment of your wages, or that is being collected in accordance with a court order after a judgment was obtained against you , you cannot consolidate the loan unless the wage garnishment order has been lifted or the judgment has been vacated. * You may be able to reconsolidate an existing delinquent or defaulted FFEL Consolidation Loan and repay your new Direct Consolidation Loan under an income - driven repayment plan ; FFEL Consolidation Loan in order to qualify for the PSLF Program ; or FFEL Consolidation Loan to use the no accrual of interest benefit for active duty service members, which states that you re not required to pay the interest that accrues during periods of qualifying active duty military service for up to 60 months on the portion of a Direct Consolidation Loan that repaid a Direct Loan Program or FFEL Program loan first disbursed on or after Oct. 1 , 2008. ", "What is the interest rate on a consolidation loan? \nA Direct Consolidation Loan has a fixed interest rate for the life of the loan. The fixed rate is the weighted average of the interest rates on the loans being consolidated, rounded up to the nearest one - eighth of one percent. There is no cap on the interest rate of a Direct Consolidation Loan.  When do I begin repayment? \nRepayment of a Direct Consolidation Loan will begin within 60 days after the loan is disbursed paid out. Your loan servicer will let you know when the first payment is due. If any of the loans you want to consolidate are still in the grace period , you have the option of indicating on your Direct Consolidation Loan application that you want the servicer that is processing your application to delay the consolidation of your loans until closer to the grace period end date. If you select this option , you won t have to begin making payments on your new Direct Consolidation Loan until closer to the end of the grace period on your current loans.  Are there different repayment plans? \nBorrowers have different needs , so there are several repayment plans including income - driven repayment plans, which base your monthly payment amount on your income and family size. You ll select a repayment plan when you apply for a Direct Consolidation Loan. Learn about repayment plans.  How do I apply for a Direct Consolidation Loan? \nApply for a Direct Consolidation Loan. You can complete and submit the application online , or you can download and print a paper application for submission by U.S. mail. After you submit your application electronically or by mailing a paper application , the consolidation servicer you selected will complete the actions required to consolidate your eligible loans. The consolidation servicer will be your point of contact for any questions you may have related to your consolidation application. Unless the loans you want to consolidate are in a deferment, forbearance, or grace period , it s important for you to continue making payments on those loans until your consolidation servicer tells you that they have been paid off by your new Direct Consolidation Loan. ", "Whom do I contact if I have questions about consolidation? \nThis depends on where you are in the consolidation process. To ask questions about consolidating your loans before you apply for a Direct Consolidation Loan , contact the Student Loan Support Center at 1 - 800 - 557 - 7394. To request technical assistance while you are logged in and completing the Federal Direct Consolidation Loan Application and Promissory Note online , either complete and submit the feedback form or contact the Student Loan Support Center at 1 - 800 - 557 - 7394. To ask questions after you have submitted your Federal Direct Consolidation Loan Application and Promissory Note , contact the servicer for your new Direct Consolidation Loan. If you submitted your application online , your consolidation servicer s contact information was provided at the end of the online process. If you submitted a paper application by U.S. mail , your consolidation servicer s contact information was available when you downloaded or printed the paper application.", "The Extended Repayment Plan allows you to repay your loans over an extended period of time. \nPayments are made for up to 25 years. If you need to make lower monthly payments over a longer period of time than under plans such as the Standard Repayment Plan , then the Extended Repayment Plan may be right for you.  Eligible Federal Loans \nThe following loans from the William D. Ford Federal Direct Loan Direct Loan Program and the Federal Family Education Loan FFEL Program are eligible for the Extended Repayment Plan : Direct Subsidized Loans Direct Unsubsidized Loans Direct PLUS Loans Direct Consolidation Loans Subsidized Federal Stafford Loans Unsubsidized Federal Stafford Loans FFEL PLUS Loans FFEL Consolidation Loans  Eligibility for the Extended Repayment Plan \nIf you're a Direct Loan borrower , you must have had no outstanding balance on a Direct Loan as of October 7 , 1998, or on the date you obtained a Direct Loan after October 7 , 1998 , and you must have more than $30,000 in outstanding Direct Loans. If you're a FFEL borrower , to qualify for this plan you must have had no outstanding balance on a FFEL Program loan as of October 7 , 1998, or on the date you obtained a FFEL Program loan after October 7 , 1998 , and you must have more than $30,000 in outstanding FFEL Program loans. For example , if you have $35,000 in outstanding FFEL Program loans and $10,000 in outstanding Direct Loans , you can choose the Extended Repayment Plan for your FFEL Program loans, but not for your Direct Loans. ", "Monthly Payments \nUnder this plan , your monthly payments are a fixed or graduated amount , made for up to 25 years , and generally lower than payments made under the Standard and Graduated Repayment Plans.  Using Loan Simulator to Estimate Your Eligibility and Payment Amount Under the Extended Repayment Plan \nYour loan servicer, the company that handles the billing and other services on your federal student loan, can help you choose a loan repayment plan that s best for you. Before you contact your loan servicer to discuss repayment plans , you can use our Loan Simulator to get an early look at what plans you may be eligible for and to receive a comparison of estimated monthly payment amounts for all federal student loan repayment plans. This comparison is important because the Extended Plan may not provide you with the lowest payment amount based on your individual circumstances. You may find that your payment will be lower under another repayment plan.", "You must meet certain requirements to qualify for federal student aid (grants, work-study, and loans). \nLet s go over the basic eligibility criteria.  Basic Eligibility Criteria \nOur basic eligibility requirements are that you must demonstrate financial need for most programs ; be a U.S. citizen or an eligible noncitizen ; have a valid Social Security number with the exception of students from the Republic of the Marshall Islands, Federated States of Micronesia, or the Republic of Palau ; be registered with Selective Service , if you re a male you must register between the ages of 18 and 25 ; be enrolled or accepted for enrollment as a regular student in an eligible degree or certificate program ; be enrolled at least half - time to be eligible for Direct Loan Program funds ; maintain satisfactory academic progress in college or career school ; sign the certification statement on the Free Application for Federal Student Aid FAFSA form stating that you are not in default on a federal student loan , you do not owe money on a federal student grant , and you will use federal student aid only for educational purposes ; and show you re qualified to obtain a college or career school education by having a high school diploma or a recognized equivalent such as a General Educational Development GED certificate ; completing a high school education in a homeschool setting approved under state law or if state law does not require a homeschooled student to obtain a completion credential completing a high school education in a homeschool setting that qualifies as an exemption from compulsory attendance requirements under state law; or enrolling in an eligible career pathway program and meeting one of the \" ability - to - benefit \" alternatives described below. Additional eligibility requirements can apply in certain situations including for non - U.S. citizens, students with criminal convictions, and students with intellectual disabilities. Some federal student aid programs have their own eligibility criteria in addition to the general requirements listed above. Check with your college s financial aid office if you have questions about a particular program. ", "Registering for Selective Service \nMost male students must be registered with Selective Service to receive federal student aid. You must register if you are a male and are not currently on active duty in the U.S. armed forces. You can call Selective Service toll - free at 1 - 888 - 655 - 1825 for general information about registering, or register online at sss.gov or while completing the FAFSA form. Note: If you are a citizen of the Federated States of Micronesia, the Republic of the Marshall Islands, or the Republic of Palau , you are exempt from registering.  Ability-to-Benefit Alternatives \nIf you were enrolled in college or career school prior to July 1 , 2012, or if you are currently enrolled in an eligible career pathway program * , you may show you re qualified to obtain a higher education by passing an approved ability - to - benefit test * if you don t have a diploma or GED, a college can administer a test to determine whether you can benefit from the education offered at that school or completing six credit hours or equivalent course work toward a degree or certificate you may not receive aid while earning the six credit hours. * For more information about these criteria , talk to the financial aid office at your school. Your financial aid counselor can tell you whether your school offers an eligible career pathway program and can advise you about any ability - to - benefit tests the school uses.", "Federal student loans for college or career school are an investment in your future. \nYou must repay your loan, so be sure you understand your options and responsibilities. If you apply for financial aid , you may be offered loans as part of your school s financial aid offer. A loan is money you borrow and must pay back with interest. If you decide to take out a loan , make sure you understand who is making the loan and the terms and conditions of the loan. Student loans can come from the federal government, from private sources such as a bank or financial institution, or from other organizations. Loans made by the federal government, called federal student loans, usually have more benefits than loans from banks or other private sources. Learn more about the differences between federal and private student loans.  What types of federal student loans are available? \nThe U.S. Department of Education s federal student loan program is the William D. Ford Federal Direct Loan Direct Loan Program. Under this program , the U.S. Department of Education is your lender. There are four types of Direct Loans available : Direct Subsidized Loans are loans made to eligible undergraduate students who demonstrate financial need to help cover the costs of higher education at a college or career school. Direct Unsubsidized Loans are loans made to eligible undergraduate, graduate, and professional students , but eligibility is not based on financial need. Direct PLUS Loans are loans made to graduate or professional students and parents of dependent undergraduate students to help pay for education expenses not covered by other financial aid. Eligibility is not based on financial need , but a credit check is required. Borrowers who have an adverse credit history must meet additional requirements to qualify. Direct Consolidation Loans allow you to combine all of your eligible federal student loans into a single loan with a single loan servicer. Try This Resource Federal Student Loan Programs Lists federal student loan programs with loan details and award limits. ", "How much money can I borrow in federal student loans? \nIt depends on whether you re an undergraduate student, a graduate or professional student, or a parent. If you are an undergraduate student , the maximum amount you can borrow each year in Direct Subsidized Loans and Direct Unsubsidized Loans ranges from $5,500 to $12,500 per year, depending on what year you are in school and your dependency status. If you are a graduate or professional student , you can borrow up to $20,500 each year in Direct Unsubsidized Loans. Direct PLUS Loans can also be used for the remainder of your college costs, as determined by your school, not covered by other financial aid. If you are a parent of a dependent undergraduate student , you can receive a Direct PLUS Loan for the remainder of your child s college costs, as determined by his or her school, not covered by other financial aid. Remember , you can borrow less than your school offers and can request more loan funds later if you need to. You should borrow only what you need.  Why should I take out federal student loans? \nFederal student loans are an investment in your future. You should not be afraid to take out federal student loans , but you should be smart about it. Federal student loans offer many benefits compared to other options you may consider when paying for college : The interest rate on federal student loans is fixed and usually lower than that on private loans and much lower than that on a credit card! You don t need a credit check or a cosigner to get most federal student loans. You don t have to begin repaying your federal student loans until after you leave college or drop below half - time. If you demonstrate financial need , the government pays the interest on some loan types while you are in school and during some periods after school. Federal student loans offer flexible repayment plans and options to postpone your loan payments if you re having trouble making payments. If you work in certain jobs , you may be eligible to have a portion of your federal student loans forgiven if you meet certain conditions. ", "What should I consider when taking out federal student loans? \nBefore you take out a loan , it s important to understand that a loan is a legal obligation that makes you responsible for repaying the amount you borrow with interest. Even though you don t have to begin repaying your federal student loans right away , you shouldn t wait to understand your responsibilities as a borrower. Get the scoop: Watch this video about responsible borrowing or browse the tips below it. Be a responsible borrower. Keep track of how much you re borrowing. Think about how the amount of your loans will affect your future finances, and how much you can afford to repay. Your student loan payments should be only a small percentage of your salary after you graduate , so it s important not to borrow more than you need for your school - related expenses. Research starting salaries in your field. Ask your school for starting salaries of recent graduates in your field of study to get an idea of how much you are likely to earn after you graduate. You can also use the U.S. Department of Labor's Occupational Outlook Handbook or career search tool to research careers and salaries. Understand the terms of your loan and keep copies of your loan documents. When you sign your promissory note , you are agreeing to repay the loan according to the terms of the note even if you don t complete your education, can t get a job after you complete the program, or you didn t like the education you received. Make payments on time. You are required to make payments on time even if you don t receive a bill, repayment notice, or a reminder. You must pay the full amount required by your repayment plan, as partial payments do not fulfill your obligation to repay your student loan on time. Keep in touch with your loan servicer. Notify your loan servicer when you graduate ; withdraw from school ; drop below half - time status ; transfer to another school; or change your name, address, or Social Security number. You also should contact your servicer if you re having trouble making your scheduled loan payments. Your servicer has several options available to help you keep your loan in good standing. ", "How do I get a federal student loan? \nTo apply for a federal student loan , you must first complete and submit a Free Application for Federal Student Aid FAFSA form. Based on the results of your FAFSA form , your college or career school will send you a financial aid offer, which may include federal student loans. Your school will tell you how to accept all or a part of the loan. Before you receive your loan funds , you will be required to complete entrance counseling , a tool to ensure you understand your obligation to repay the loan ; and sign a Master Promissory Note, agreeing to the terms of the loan. Contact the financial aid office at the school you are planning to attend for details regarding the process at your school.  Is the U.S. Department of Education responsible for Health Education Assistance Loan (HEAL) Program loans? \nYes. On July 1 , 2014 , the HEAL Program was transferred from the U.S. Department of Health and Human Services HHS to the U.S. Department of Education ED. However , it is no longer possible to obtain a new HEAL Program loan. The making of new HEAL Program loans was discontinued on Sept. 30 , 1998. Borrowers who have HEAL Program loans and members of the community may obtain more information as outlined below. If you have HEAL Program loans and are not in default on those loans , contact your loan servicer for help with account - related questions. Use the contact information your loan servicer provided to you. If you have HEAL Program loans and are in default on those loans , contact the Debt Collection Center for help with account - related questions. For mail sent via U.S. Postal Service: HHS Program Support Center Accounting Services , Debt Collection Center Mailstop 10230B 7700 Wisconsin Avenue , Suite 8 - 8110D Bethesda, MD 20857 For mail sent via UPS or FedEx : HHS Program Support Center Accounting Services, Debt Collection Center Mailstop Seventh Floor 7700 Wisconsin Avenue, Suite 8 - 8110D Bethesda, MD 20814Phone : 301 - 492 - 4664 If you have a general HEAL Program question not a loan account question , contact ED s HEAL Program Team at 1 - 844 - 509 - 8957 or HEAL@ed.gov. ", "What is the Federal Perkins Loan Program? \nThe Federal Perkins Loan Program provided money for college or career school for students with financial need. The authority for schools to make new Federal Perkins Loans ended on Sept. 30 , 2017.", "Direct PLUS Loan Application for ParentsWilliam D. Ford Federal Direct Loan ProgramFederal Direct PLUS Loan Request for Supplemental Information \nWhat is a Direct PLUS Loan Application for Parents? \nThis 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. Some schools may have a different process for obtaining the additional information needed to process your Direct PLUS Loan application. The information that you provide will be sent to the school that you select. The school you select will use the information collected to determine your eligibility for a Direct PLUS Loan and process your application. Before you can receive a Direct PLUS Loan , you must complete a Direct PLUS Loan Master Promissory Note Direct PLUS Loan MPN, which explains all of the terms and conditions of Direct PLUS Loans and constitutes your legally binding agreement to repay all Direct PLUS Loans that you receive under the Direct PLUS Loan MPN. You will have an opportunity to complete the Direct PLUS Loan MPN after you complete the Direct PLUS Loan Request. The Direct PLUS Loan Application allows you to authorize the school to use your loan funds to satisfy other educationally related charges after tuition and fees, and room and board have been paid. You are not required to provide this authorization. As a parent borrower , the Direct PLUS Loan Application also allows you to : Designate whether the school pays any credit balance to the student or to you. Request a deferment while the student is in school Request an additional deferment for 6 months after the student ceases to be enrolled at least half time. BEFORE YOU CONTINUE: If you have placed a security freeze on your credit file , 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. ", "Apply for a PLUS Loan \nLOG IN TO START Start Demo", "Complete the Financial Aid Process \nYou've accomplished the most important task submitting the Free Application for Federal Student Aid FAFSA form. Find out what you need to do next. \n\nNext Steps \n\n\n01 \n\n\nGet Informed \nFind out how aid is calculated. \n\n02 \n\n\nCompare Aid Offers \nReview schools' financial aid packages. \n\n03 \n\n\nReply to Aid Offer \nAccept aid from your chosen school. \n\n04 \n\n\nSign Loan Agreement \nComplete a Master Promissory Note MPN. \n\n05 \n\n\nComplete Entrance Counseling \nBefore your first loan or TEACH Grant , complete counseling. \n\nGet Your Money \n\n\nYour college or career school not the U.S. Department of Education will distribute your financial aid. \nFind out when your school will pay out your aid and the period each payment covers. Learn how to pay for course materials if you don t get your financial aid as soon as classes start. Learn how you'll get your aid it all depends on the type of aid you receive.", "I Need to Lower or Suspend My Student Loan Payments \nWe ll help you stay on the path to successful repayment of your federal student loan. Whether you are just beginning to repay your student loan s or have been in repayment for a while , sometimes you might have trouble affording your payment amount. Fortunately , there are solutions.  Automatic Suspension of Monthly Payments as a Result of the COVID-19 National Emergency \nTo provide relief to student loan borrowers during the COVID-19 national emergency , federal student loan borrowers are automatically being placed in an administrative forbearance, which allows you to temporarily stop making your monthly loan payments. This suspension of payments will last from March 13 , 2020, through Sept. 30 , 2020 , but you can still make payments if you choose. Have questions? Find out what loans qualify and get additional information about this forbearance and other student loan flexibilities due to the COVID-19 national emergency.  Apply for an Income-Driven Repayment Plan \nAn income - driven repayment IDR plan can make your payments more affordable because they are based on your income. Under an IDR plan , payments may be as low as $0 per month. You can estimate your monthly payments using Loan Simulator. After you apply , your federal loan servicer will notify you regarding your eligibility and, if you qualify, the payment amount. Apply for an IDR Plan  Recertify or Change Your Income-Driven Repayment Plan \nRecertify Your Income-Driven Repayment Plan \nEnrollment in an income - driven repayment plan is good for one year. Before the year is over , you need to recertify your income and family size to stay on the plan. Your federal loan servicer will notify you when it is time to recertify. If you can t afford your current income - driven payments because you ve had a drop in income , you can recertify early to have your new income taken into account right away. It s important to recertify every year! If you don t recertify on time , you ll be removed from the income - driven repayment plan and your monthly amount due will very likely increase. ", "Change Your Income-Driven Repayment Plan \nIf you ve had an increase in family size or a decrease in income , you can apply to have your current IDR plan recalculated. You don t have to wait until your annual recertification is due. The same is true if you want to switch from one IDR plan to another. A different repayment plan may offer different benefits depending on your situation. You can apply to switch at any time you don t have to wait until your annual recertification is due. Recertify or Change Your IDR Plan  Get Temporary Relief \nA deferment or forbearance allows you to temporarily stop making your federal student loan payments or temporarily reduce your monthly payment amount. This may help you avoid default. Note: Interest still accrues during deferment or forbearance. It s important you understand whether you would be responsible for paying the accrued interest during this period and how that would impact your federal student loan. Deferment and forbearance also impact potential loan forgiveness options. Learn More About Deferment and Forbearance", "Choose Loan Counseling Type \n\n\nCounseling Type \n\n\nEntrance Counseling \nEntrance Counseling is required before you can receive your first Direct Subsidized Loan, or Direct Unsubsidized Loan as an undergraduate, or your first Direct PLUS Loan as a graduate / professional student. LOG IN TO START \n\nFinancial Awareness Counseling \nFinancial Awareness Counseling provides tools and information to help you understand your financial aid and help you manage your finances. Complete this counseling any time. LOG IN TO START \n\nPLUS Credit Counseling \nPLUS Credit Counseling is required if the U.S. Department of Education has informed you that you have an adverse credit history and you have obtained an endorser or documented to the satisfaction of the U.S. Department of Education that there are extenuating circumstances related to your adverse credit history . PLUS Credit Counseling can be completed voluntarily at any time. If PLUS Credit Counseling is completed voluntarily and you are determined to have an adverse credit history by the U.S. Department of Education within 30 days of PLUS Credit Counseling completion , your PLUS Credit Counseling requirement will be considered to be fulfilled. LOG IN TO START \n\nExit Counseling \nExit Counseling is required when you graduate, leave school, or drop below half - time enrollment. Exit counseling provides important information to prepare you to repay your federal student loan. At the end , you'll need to provide the name, address, e - mail address, and telephone number for your closest living relative, two references who live in the U.S., and current or expected employer if known. LOG IN TO START \n\nWere you looking for TEACH Grant Counseling? \nComplete TEACH Grant Initial and Subsequent Counseling. Complete a TEACH Grant Agreement to Serve. Complete TEACH Grant Exit Counseling.", "The Standard Repayment Plan is the basic repayment plan for loans from the William D. Ford Federal Direct Loan (Direct Loan) Program and Federal Family Education Loan (FFEL) Program. \nPayments are fixed and made for up to 10 years between 10 and 30 years for consolidation loans. This repayment plan saves you money over time because your monthly payments may be slightly higher than payments made under other plans, but you ll pay off your loan in the shortest time. For this reason , you will pay the least amount of interest over the life of your loan. When it comes time to repay your loans , you have the option to choose a repayment plan. If you don t choose a different repayment plan , your loan servicer, the company that handles the billing and other services on your federal education loan, will place you on the Standard Repayment Plan.  Eligible Federal Loans \nThe following loans from the Direct Loan Program and the FFEL Program are eligible for the Standard Repayment Plan : Direct Subsidized Loans Direct Unsubsidized Loans Direct PLUS Loans Direct Consolidation Loans Subsidized Federal Stafford Loans Unsubsidized Federal Stafford Loans FFEL PLUS Loans FFEL Consolidation Loans Note that no new loans have been made under the FFEL Program since July 1 , 2010.  Monthly Payments for Federal Education Loans Except Consolidation Loans \nUnder this plan , your monthly payments are a fixed amount of at least $50 each month and made for up to 10 years for all loan types except Direct Consolidation Loans and FFEL Consolidation Loans. ", "Monthly Payments for Consolidation Loans \nUnder this plan , your monthly payments are a fixed amount of at least $50 each month and made for a period of between 10 and 30 years for Direct Consolidation Loans and FFEL Consolidation Loans. If you have a Direct Consolidation Loan or FFEL Consolidation Loan , the length of your repayment period will depend on the amount of your total education loan indebtedness. This total education loan indebtedness includes the amount of your consolidation loan and your other student loan debt. Other student loan debt includes any federal student loans that are not included in the consolidation loan, as well as private education loans that are not eligible for consolidation. The maximum amount of other student loan debt that may be considered in determining your repayment period may not exceed the loan amount you are consolidating. To include other student loan debt in the determination of the repayment period for your Direct Consolidation Loan , be sure to list those loans on your consolidation application in the section for listing loans that you do not want to consolidate, but want considered in the determination of your repayment period. The chart below shows the maximum repayment period for a Direct Consolidation Loan or FFEL Consolidation Loan under the Standard Repayment Plan depending on total education loan indebtedness.  Using Loan Simulator to Estimate Your Eligibility and Payment Amount Under the Standard Repayment Plan \nYour loan servicer can help you choose a loan repayment plan that s best for you. Before you contact your loan servicer to discuss repayment plans , use our Loan Simulator to get an early look at what repayment plans you may be eligible for and to receive a comparison of estimated monthly payment amounts for all federal student loan repayment plans. This comparison is important because the Standard Plan may not provide you with the lowest payment amount based on your individual circumstances. You may find that your payment will be lower under another repayment plan.", "Make a Student Loan Payment \nIt s simple to pay toward your student loan at any time. Get started by working with your federal loan servicer. \n\nWhere to Send Payments \nYour student loan servicer handles all billing regarding your student loan. Your servicer can work with you if you need help to make a payment. \n\nMake a Payment to Great Lakes and Nelnet \nWe are now accepting payments for federally - owned student loans serviced by Great Lakes or Nelnet! * Visit your account dashboard to find out. Make a Payment to Great Lakes or Nelnet * If we aren t able to accept your payment due to your account status , or if you prefer to pay on your servicer s website , log in to your Great Lakes or Nelnet account. \n\nMake a Payment to Other Loan Servicers \nFind Your Loan Servicer s Contact Info Never miss a payment. Sign up for automatic debit through your federal loan servicer to have your payments automatically taken from your bank account. Bonus! If you have Direct Loans , get a 0.25% interest rate deduction while you participate in automatic debit!", "If you default on your federal student loan, the loan may be placed with a collection agency, which will then contact you to obtain payment. \nIf you default on your federal student loan , the entire balance of the loan principal and interest becomes immediately due. This is called acceleration. Once your loan is accelerated , you no longer have access to deferment or forbearance options or to a choice of repayment plans. In addition , if you do not make repayment arrangements with the holder of your loan the U.S. Department of Education ED, a guaranty agency, or the school that made the loan and comply with the terms of the repayment arrangement , your loan holder may place your loan with a collection agency. If your loan is placed with a collection agency , you will be responsible for costs incurred by your loan holder to get payment. These costs amount to 17.92% of your loan amount if your loan is held by ED. Other loan holders may charge a different amount. You should check with them to find out what it is. The 17.92% is payable in addition to your outstanding principal balance, interest, and fees. For example , if you owe ED $10,000 , you ll owe an additional $1,792 in collection fees once your loan goes to a collection agency, for a total of $11,792 : 17.92% = 0.1792 $10,000 x 0.1792= $1,792 $10,000 + $1,792 = $11,792 The holder of your loan can take other actions to collect as well. ED currently contracts with several collection agencies to administer many of the collection activities of our accounts. Many guaranty agencies also contract with collection agencies for the same reason. Collection agency employees are trained to comply with the terms of the Fair Debt Collection Practices Act, which govern collection practices by debt collectors. If your defaulted loan is placed with a private collection agency , you can expect the agency to first offer you the option of entering into a voluntary repayment agreement. If you do not agree to enter into a voluntary repayment agreement, or if you enter into a repayment agreement but don t continue making the payments you agreed to make , the collection agency will then begin the process of garnishing your wages Learn about wage garnishment. If they are unable to garnish your wages for example, because you are self - employed , they may recommend that ED refer your case to the U.S. Department of Justice for legal action. The Department of Justice may then sue you to collect on your defaulted loan. There are certain things that private collection agencies are prohibited from doing in connection with their efforts to collect on a defaulted loan. Prohibited actions include , but are not limited to , harassing or abusing any person in connection with the collection of a debt ; making false, deceptive, or misleading claims in connection with the collection of a debt; and using unfair or unreasonable means to collect or attempt to collect any debt. If you believe that a private collection agency has engaged in prohibited practices , you can file a formal complaint. If your federal student loan is in default , find out what options you have for getting out of default. ", "How do I know if the information on this page applies to me? \nThe information on this page mostly applies to borrowers who have defaulted loans that are held by ED. There are three federal student loan programs administered by ED : the William D. Ford Federal Direct Loan Direct Loan Program the Federal Family Education Loan FFEL Program the Federal Perkins Loan Program All defaulted Direct Loans are held by ED. Defaulted FFEL Program loans may be held by ED or by a guaranty agency. Defaulted Federal Perkins Loans may be held by a school or by ED. ED s Default Resolution Group, at Federal Student Aid, oversees the collections process for all defaulted loans that are held by ED. Find out how to contact ED s Default Resolution Group. If you don t know who your loan holder is , you can find out by logging in to My Federal Student Aid.  How will my outstanding debt be collected? \nIf you fail to make and comply with other arrangements to repay the debt, which could include entering into a loan rehabilitation agreement , ED can use a variety of methods to collect your defaulted federal student loan. Find out more about getting out of default. The government can collect your debt by withholding money from the following sources of income : your income tax refund and other federal payments your wages  Withholding Money From Your Tax Refund or Other Federal Payments (Treasury Offset) \nFederal law related to the collection of debts owed to the government requires ED to request that the U.S. Department of the Treasury withhold money from your federal income tax refunds, Social Security payments including Social Security disability benefits, and other federal payments to be applied toward repayment of your defaulted federal student loan. This withholding is called Treasury offset. If you have a defaulted FFEL Program loan that is held by a guaranty agency , your state tax refunds may also be withheld and applied toward repayment of your loan. You may also lose your driver's license or other state - issued licenses. Before the offset begins , a notice of intent to offset will be sent to your last - known address to inform you that the offset is scheduled to begin in 65 days. The notice may only be sent once , and offsets will continue until your debt is paid or the default status is resolved. You do have the right to request a review of your account to prevent the offset from occurring. If you are successful , then your tax refund and other federal payments will not be offset , or the amount being offset may be reduced. If you are unsuccessful , then your tax refund and other federal payments will be offset. If your Social Security disability benefits are being withheld , the withholding of those benefits will be suspended if the Social Security Administration SSA makes a determination that you are totally disabled, with medical improvement not expected. However , if the SSA later converts your disability benefits to retirement benefits , the withholding of your Social Security benefits may resume without notice. For more detailed information about Treasury offset or the review process including how to request a review , contact your loan holder. If you don t know who your loan holder is , you can find out by logging in to My Federal Student Aid. ", "Withholding Money From Your Wages \nYour loan holder can order your employer to withhold up to 15 percent of your disposable pay to collect your defaulted debt without taking you to court. This withholding garnishment continues until your defaulted loan is paid in full or removed from default. With garnishment , you have the right to be sent a notice that explains ED s intention to garnish your wages in 30 days, the nature and amount of your debt, your opportunity to inspect and copy records relating to your debt, your right to object to garnishment, and your option to avoid garnishment by voluntary repayment ; be given an opportunity to enter into a written agreement under terms agreeable to ED to establish a voluntary repayment agreement ; be given an opportunity for a hearing to present and obtain a ruling on any objection you have to the existence, amount, or enforceability of the debt ; any objection that garnishment of 15 percent of your disposable pay would produce an extreme financial hardship ; or any objection stating that garnishment cannot be used at this time because you ve been employed for less than 12 months after having previously been involuntarily separated from employment ; have the garnishment action withheld by filing a timely request for a hearing, until the hearing is completed and a decision issued ; not be discharged from employment, refused employment, or subjected to disciplinary action due to the garnishment, and to seek redress in federal or state court if such action occurs ; initiate any legal action against your employer if the employer discharges, refuses to hire, or takes disciplinary action against you based on the garnishment action ; and not have any information provided to your employer regarding the garnishment other than what is necessary for the employer to comply with the withholding order. One way to avoid garnishment of 15 percent of your disposable pay is to negotiate repayment terms acceptable to ED or the private collection agency and ensure that ED receives the first payment no later than 30 days from the date the garnishment notice was sent. Your other option to avoid garnishment is to make a request for a hearing. You should make a hearing request in writing, postmarked no later than 30 days from the date the garnishment notice was sent ; make a request for a hearing , even if you are requesting copies of documents , because requesting documents doesn t delay a garnishment order ; provide proof to support any objection made to the existence, amount, or enforceability of the debt, or financial hardship; and pay any expenses you incur to obtain legal representation and to attend an in - person hearing. (All in-person hearings are held at one of the three regional offices: Atlanta, Chicago, or San Francisco. You are responsible for the cost of attending and the cost of any witnesses that attend on your behalf.) Your loan holder will arrange the hearing. The hearing may be held in person or on the phone or may be based simply on records you submit to make your case. A decision about whether your wages will be garnished will usually be made within approximately 60 days from the day that your hearing request is received. If you are successful in your hearing , then your wages will not be garnished for a period of 12 months or the amount garnished may be reduced partial garnishments are reviewed annually. If you are unsuccessful in your hearing , then your wages will be garnished at the full 15-percent rate allowed by law. For more detailed information about wage garnishment or the hearing process including how to request a hearing , contact your loan holder. If you don t know who your loan holder is , you can find out by logging in to My Federal Student Aid. Find out what to do if you believe your loan has been placed in default by mistake. ", "If my loan is placed with a collection agency, what other costs might I incur? \nAfter you default , you are liable for the costs of collecting your defaulted federal student loans. The largest of these costs are usually the costs of placing your loan with a private collection agency. They amount to 17.92% of your outstanding balance, which includes principal, interest, and fees. Before a defaulted loan is placed with a private collection agency , ED will explain what you can do to avoid both the assignment to a private collection agency and the reporting of default status to credit agencies. If you do not enter into a repayment agreement for your defaulted federal student loans , ED will refer your loans to a private collection agency. Private collection agencies earn a commission for any payments you make on loans that ED has referred for collection. When you make a payment , the payment is first applied to the collection cost we charge 17.92% of your outstanding balance due, with the remainder of the payment being applied to interest and principal on your loan. This is one reason that defaulting on your federal student loans can significantly increase the total cost of your loans. On each billing statement , ED projects an estimate of the total amount needed to satisfy the debt on the date of the statement, including collection costs. While the cost of placing your loan with a private collection agency is usually the largest collection cost you may face if you default , there may be other collection costs, such as Treasury offset processing fees and costs associated with potential civil litigation from the Department of Justice. ", "How do I contact a collection agency? \nFor the loans that it owns , ED currently contracts with the collection agencies that are identified below. If you ve heard from a collection agency but aren t sure how to get in touch with them , review the collection agency contact information below. If you do not know which collection agency your account may have been assigned to , you may contact ED s Default Resolution Group for the agency's address and phone number.  How do I contact ED s Default Resolution Group? \nThere are a variety of ways to contact ED s Default Resolution Group.  What should I do if I am contacted by someone who wants to charge me fees to get my federal student loan out of default? \nContact the Default Resolution Group. If you are contacted by a company asking you to pay \" enrollment, \" \" subscription, \" or \" maintenance \" fees to help you get out of default , you should walk away. The Default Resolution Group can help you get your loan out of default for free. Want to learn more? Read our blog post called \" Don t Be Fooled: You Never Have to Pay for Student Loan Help. \"", "You might be eligible for a discharge of your federal student loans based on false certification. \nLearn more about false certification discharge to see whether you might qualify. You might be eligible for a discharge of your loan made under the William D. Ford Federal Direct Loan Direct Loan Program or Federal Family Education Loan FFEL Program if your school falsely certified your eligibility to receive a loan.  What are the eligibility requirements to qualify for a loan discharge based on false certification? \nThere are three categories of false certification through which you might be eligible for a discharge of your Direct Loans or FFEL Program loans : Ability to benefit: The school falsely certified your eligibility to receive the loan based on your ability to benefit from its training , and you didn t meet the ability - to - benefit student eligibility requirements that were in effect at the time the school determined your eligibility. Disqualifying status: The school certified your eligibility to receive the loan , but at the time of the certification, you had a status physical or mental condition, age, criminal record, or other circumstance that disqualified you from meeting the legal requirements for employment in your state of residence in the occupation for which the program of study was preparing you. Unauthorized signature or unauthorized payment : The school signed your name on the loan application or promissory note without your authorization or the school endorsed your loan check or signed your authorization for electronic funds transfer without your knowledge , and the loan money wasn t given to you or applied to charges you owed to the school. ", "How do I apply for a loan discharge? \nIf you have a Direct Loan or FFEL Program loan and you re ready to apply for the false certification discharge , you must complete the loan discharge application that applies to your circumstance : Loan Discharge Application : False Certification Ability to Benefit Loan Discharge Application : False Certification Disqualifying Status Loan Discharge Application : False Certification Unauthorized Signature / Payment * * Complete the Loan Discharge Application : False Certification Unauthorized Signature / Payment only if you believe that an employee of the school that determined your eligibility for the loan signed your name on the promissory note or other loan documents without your authorization. If you believe that someone else other than a school employee forged your signature on a loan document or a loan was made in your name as a result of the crime of identity theft , contact your loan servicer. Find out who your loan servicer is by logging in.  How much of my loan will be discharged if I m approved for a loan discharge? \nIf you meet the eligibility requirements for a discharge, the entire remaining balance of your loan will be discharged , and any payments made on the loan will be refunded.  What happens if my loan discharge is denied? \nYou will remain responsible for repaying your loan. If you believe that your loan discharge application was denied in error or if you have additional information that you believe would support your eligibility for a false certification discharge , you may ask the U.S. Department of Education to review the denial. ", "I m a parent who received a Direct PLUS Loan to help pay for my child s education. Can my loan be discharged due to false certification? \nYes , some or all of your parent PLUS loan might be discharged if the school falsely certified the student s ability to benefit from its training , the student had a disqualifying status at the time the school certified your eligibility to receive the parent PLUS loan , or the school signed your name on the promissory note or other loan documents without your authorization. Contact your loan servicer for more information.", "You may be able to get money for college or career school for your or your family member s military service. \nScholarships and loan repayment assistance are available from a number of sources. Both the federal government and nonprofit organizations offer money for college to veterans, future military personnel, active duty personnel, or those related to veterans or active duty personnel. Try This Resource Scholarships for Military Families Provides resources and contact information for finding college scholarships for military families.  What financial aid does the government offer for military service or for family members of military personnel? \nBelow are a few sources of financial aid that you might want to consider. You also should explore todaysmilitary.com s list of education benefits for service members.  Reserve Officers Training Corps (ROTC) Scholarships \nThese scholarships are awarded on the basis of merit rather than financial need : Army ROTC scholarships are offered at more than 1,000 colleges. For application packets , information about eligibility, and the telephone number of an ROTC advisor in your area , call 1 - 888 - 550-ARMY 1 - 888 - 550 - 2769 or visit the Army ROTC web page. The Air Force ROTC college scholarship program targets students pursuing certain foreign language and technical degrees, although students entering a wide variety of majors may be accepted. For more information , call 1 - 866 - 4-AFROTC 1 - 866 - 423 - 7682 or visit the Air Force ROTC Scholarship web page. The Navy ROTC offers both four - year and partial scholarships. To learn more , call 1 - 800-NAV - ROTC 1 - 800 - 628 - 7682 or visit the Navy ROTC website. The Navy ROTC Marine Option Scholarship helps you pay your way through college at approved Navy ROTC schools. Learn more about the Navy ROTC Marine Option Scholarship. ", "Department of Veterans Affairs (VA) Education Benefits \nThe VA offers education benefits for veterans and for their widows and dependents on its GI Bill site.  Iraq and Afghanistan Service Grant or Additional Federal Pell Grant Funds \nIf your parent or guardian died as a result of military service in Iraq or Afghanistan after the events of 9/11 , you may be eligible for additional aid. To be eligible, at the time of your parent s or guardian s death , you must have been less than 24 years old or enrolled at least part - time at a college or career school. Payments will be adjusted if you are enrolled less than full - time. Federal Pell Grants : If you meet the requirements above and are eligible to receive a Pell Grant , you will receive an Expected Family Contribution EFC of zero, which maximizes your Pell Grant eligibility and can increase your eligibility for other federal student aid programs. Iraq and Afghanistan Service Grants : If you meet the requirements above but are not eligible for a Pell Grant based on your EFC, you will be eligible to receive the Iraq and Afghanistan Service Grant. The maximum amount of the Iraq and Afghanistan Service Grant is the same as the maximum Pell Grant award. Your EFC will not be affected , and therefore neither will your eligibility for any need - based federal student aid.  Limited Interest Rates, No Accrual of Interest, and Deferment of Student Loans \nTo receive the benefits below , contact your loan servicer for information about the documentation you must provide to show that you qualify. Under the Servicemembers Civil Relief Act , if you took out student loans prior to entering the military or being called to active duty , the interest rate on those loans will be limited to 6% during your active duty military service. This applies to both federal and private student loans and other loans as well. For all Direct Loans first disbursed on or after Oct. 1 , 2008 , no interest will be charged for a period of no more than 60 months while you are serving on active duty or performing qualifying National Guard duty during a war, other military operation, or national emergency and are serving in an area of hostilities qualifying for special pay. For Direct Consolidation Loans , this benefit applies to the portion of the consolidation loan that repaid loans first disbursed on or after Oct. 1 , 2008. You will qualify for deferment of repayment on any of your federal loans while serving on active duty in the military, or performing qualifying National Guard duty, during a war, military operation, or national emergency. If your period of active duty service includes Oct. 1 , 2007, or begins on or after that date , your deferment will be extended for an additional 180 days after the demobilization date for each period of qualifying service. If you are a member of the National Guard or other reserve component of the U.S. armed forces current or retired and you are called or ordered to active duty while you are enrolled at least half - time at an eligible school or within six months of having been enrolled at least half - time , you qualify for deferment of repayment on your federal student loans during the 13 months following the end of your active duty service, or until you return to school on at least a half - time basis, whichever is earlier. ", "What financial aid do veterans service organizations offer for military service or for family members of military personnel? \nThe following major national organizations offer scholarships primarily to active duty military, veterans, and/or their families : American Legion AMVETS Paralyzed Veterans of America Veterans of Foreign Wars There are many smaller veterans service organizations around the country that might offer scholarships. Check with your local organization or try a scholarship search.  How can I submit a complaint about how my college or career school is administering my financial aid? \nDo you believe your school is not administering federal student aid funds properly? Here s some information that might help you determine how to solve your problem or submit a complaint. Your college or career school not the U.S. Department of Education will distribute your financial aid. If you have questions about why your aid hasn t been paid out yet, or why it wasn t the amount you expected , contact your school. IF: your school violated its own policy or federal regulations in its administration of the federal student aid programs for instance, if You believe your school calculated your eligibility for federal student grants, loans, or work - study incorrectly ; your school disbursed paid out your aid or your credit balance incorrectly in the wrong amount, at the wrong time, or not at all ; your school doesn t have a financial aid administrator yet is participating in the federal student aid programs, doesn t have policies or procedures for administering the federal student aid programs, or has policies but isn t following them ; your school or its representative has made false or misleading statements about the school s educational programs, financial charges, employability of graduates, etc. and if you have tried to work things out with the school but have been unable to THEN : You may contact the Federal Student Aid Feedback Center or call 1 - 844 - 651 - 0077. IF : You think your school awarded aid to someone else in your name THEN: Learn about identity theft and how to report it to our Office of Inspector General Hotline. ", "How can I learn more about military service? \nContact a recruiter to learn more about service with the following military branches : marines.com navy.com goarmy.com airforce.com gocoastguard.com", "While completing the FAFSA form, you must list at least one college to receive your information. \nThe schools you list will use your FAFSA information to determine the types and amounts of aid you may receive. The information you report on the Free Application for Federal Student Aid FAFSA form is sent to each school you list. Use the Federal School Code Search to find the colleges you re interested in including on your FAFSA form. You don t need to apply for admission to a school before you list it on your FAFSA form ; you can list all the schools to which you have applied or might apply. The school will have access to your information within a few days of when you submit your FAFSA form but will not necessarily contact you with an aid offer right away. Learn about what happens after you fill out the FAFSA form.  Maximum Number of Schools You Can List \nYou can list up to 10 schools online or in the myStudentAid app or up to four schools on a PDF FAFSA form. You can add more schools to your FAFSA form later.  Order of Schools on Your List \nFor purposes of federal student aid , it does not matter in what order you list the schools. However , to be considered for state aid , some states require your schools to be listed in a specified order. Scroll down or click on the name of your state below to find your state s guidance for listing schools on your FAFSA form. Alabama The order in which you list the colleges will not impact your eligibility for state aid programs. Alaska You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. Arizona You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. Arkansas The order in which you list the colleges will not impact your eligibility for state aid programs. California You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. Colorado You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. Connecticut You must list a college located in Connecticut within the first 2 positions to be considered for state aid. If you update your school choices later , please notify your state agency by sending an email to sfa@ctohe.org. Delaware The order in which you list the colleges will not impact your eligibility for state aid programs. District of Columbia The order in which you list the colleges will not impact your eligibility for state aid programs. Florida You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. Georgia You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. Hawaii You must list an eligible Hawaii public college to be considered for state grant aid. The order in which you list the colleges will not impact the results. Idaho You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. Illinois You must list at least one eligible Illinois college in order for preliminary eligibility for state grant aid to be calculated. If you update your school choice later , work with your school s financial aid office to be sure you receive any aid for which you are eligible. Indiana You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. Iowa You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. Kansas You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. Kentucky You must list an eligible in - state college to be considered for state aid. The order in which you list the colleges will not impact your eligibility for state aid programs. Louisiana You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. Maine The order in which you list the colleges will not impact your eligibility for state aid programs. Maryland You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. Massachusetts Grant aid awards will be made for the first eligible college listed on the FAFSA form ; however , if you update your school choice later , please notify your state agency by accessing the Office of Student Financial Assistance student portal. Michigan You must list an eligible Michigan college to be considered for state grant aid. Initial grant awards will be made to the college listed first on your FAFSA form. If you update your school choice later , please notify your state agency by accessing the Michigan Student Scholarships and Grants student portal. Minnesota You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. Mississippi You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. Missouri You must list an eligible Missouri college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. Montana You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. Nebraska You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. Nevada You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. New Hampshire The order in which you list the colleges will not impact your eligibility for state aid programs. New Jersey You must list an eligible in - state college to be considered for state aid. The order in which you list the colleges will not impact your eligibility for state aid programs. New Mexico You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. New York You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. North Carolina You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. North Dakota You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. Ohio The order in which you list the colleges will not impact your eligibility for state aid programs. Oklahoma You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. Oregon You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. Pennsylvania Grant aid awards will be made for the first college listed on the FAFSA form. If you update your school choice later , please notify your state agency by signing in to your Pennsylvania Higher Education Assistance Agency Account Access to provide updated school information. Pennsylvania will make aid awards for students to attend eligible colleges in Pennsylvania, Ohio, West Virginia, Massachusetts, Delaware, Vermont, and the District of Columbia. Puerto Rico You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. Rhode Island You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. South Carolina You must list an eligible South Carolina college to be considered for state aid. Please put the colleges that you are most likely to attend in the first spots in your list. If you change your school choices later , please notify your state agency by following the instructions to transfer your grant to a new school in the What if I transfer to another college? section at https://sctuitiongrants.org/faq/. South Dakota The order in which you list the colleges will not impact your eligibility for state aid programs. Tennessee You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. If you update your school choices later , please notify your state agency by changing your institution in the Tennessee Student Assistance Corporation Student Portal. Texas You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. U.S. Virgin Islands The order in which you list the colleges will not impact your eligibility for state aid programs. Utah You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. Vermont To be considered for state aid , list your first - choice colleges from any state in the first 3 positions. If you update your school choices later , please notify your state agency by using the Vermont Student Assistance Corporation Student Portal. Virginia You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. Washington You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. West Virginia You must list an eligible West Virginia college to be considered for state grant aid. Grant awards will initially be made for your first - choice college in the first position. If you update your school choice later , please notify your state agency by contacting the West Virginia Higher Education Policy Commission at 304 - 558 - 4618. Wisconsin You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs. Wyoming You must list an eligible in - state college to be considered for state grant aid. The order in which you list the colleges will not impact your eligibility for state aid programs.", "Borrowers may be eligible for forgiveness of the federal student loans used to attend a school if that school misled them or engaged in other misconduct in violation of certain laws. \nThis type of loan forgiveness is called borrower defense to repayment, sometimes abbreviated to borrower defense. Learn more in the sections below to see whether you may qualify.  Borrower Defense Application \nwho attended Corinthian Colleges Everest, Heald, and WyoTech with a first date of attendance between July 1 , 2010, and Sept. 30 , 2014, and are seeking federal student loan forgiveness through borrower defense Borrowers will complete a Corinthian - specific application. For more information about forgiveness of federal student loan used to attend Corinthian Colleges , go to the Information about Debt Relief for Corinthian Colleges Students page. All other borrowers applying for borrower defense MUST submit their application using one of the U.S. Department of Education ED borrower defense application forms provided in the sections below. Please read the instructions provided within the application before filling out the application form. Please note that the instructions also include information for parent PLUS borrowers. To apply for federal student loan forgiveness based on borrower defense , complete an online application form. Within the online application form , you will be required to provide your signature digitally. It is helpful to include additional documentation as part of your application by uploading additional electronic documents for example, scanned PDF documents. ED recommends you prepare the additional documentation prior to starting the application process. If you choose to submit additional documents as part of your borrower defense application , the following types of documents are among those that may be helpful to your application : to confirm the school for which you are applying for borrower defense, your program of study, and your dates of enrollment such as transcripts, enrollment agreements, and registration documents Documentation Promotional materials from the school Emails with school officials Your school s manual or course catalog ED and/or your federal student loan servicer s will contact you once the review of your application is complete to inform you of whether your application was successful or denied. To apply via email or physical mail , complete a fillable PDF application form , print it , and sign it view a nonfillable HTML version of the application form. Send your completed form to the U.S. Department of Education by email to BorrowerDefense@ed.gov or by regular mail to U.S. Dept. of Education Borrower Defense to Repayment , P.O. Box 1854 , Monticello, KY 42633. If you submit your PDF application by email , you are required to upload an electronic version of your signature. You can upload a picture file of your signature for example, taken with a smart phone or digital camera. If you have additional documents that you would like to include as part of your emailed application , please include the documents with your email for example, by attaching scanned PDF documents. ED recommends you prepare the additional documentation prior to starting the application process. ", "Who Qualifies for Borrower Defense to Repayment Loan Forgiveness \nUnder the law , you may be eligible for borrower defense to repayment forgiveness of the federal student loans that you took out to attend a school if that school misled you, or engaged in other misconduct in violation of certain state laws. Specifically , you may assert borrower defense by demonstrating that the school, through an act or omission, violated state law directly related to your federal student loan or to the educational services for which the loan was provided. You may be eligible for borrower defense regardless of whether your school closed or you are otherwise eligible for loan forgiveness under other laws. If you are eligible to receive federal student loan forgiveness , you may be able to have all or part of your outstanding federal student loan debt forgiven , and you also may be reimbursed for amounts you have already paid on those loans. You will only be eligible for this type of federal student loan forgiveness if your school s misleading activities or other misconduct directly relate to the loan or to the educational services for which the loan was provided. You will not be eligible for this type of forgiveness based on claims that are not directly related to your loan or the educational services provided by the school. For example , personal injury claims or claims based on allegations of harassment are not bases for a borrower defense application. Please note that eligibility for federal student loan forgiveness is limited to federal student loans taken out for payment to the school relating to your borrower defense application. If you would like to apply for borrower defense against multiple schools that you attended and for which you took out federal student loans , you must submit separate applications for each school of attendance. For the purposes of borrower defense discharge only , we interpret the term Direct Loan in 34 CFR 685.206 to include Direct Consolidation loans. This interpretation enables borrowers with loans eligible for Direct Loan consolidation, including Federal Family Education Loan FFEL Program loans or Federal Perkins Loans, to avail themselves of the borrower discharge process provided here by consolidating such loans into the Direct Loan Program. ", "Forbearance/Stopped Collections Status \nWithin the application , you may select to have your federal student loans placed into forbearance or stopped collections status while your application is reviewed by ED. If you choose for your loans to be placed into forbearance or stopped collections status, shortly after we receive your application , your loans will be placed in forbearance , and collections will cease on any of your loans that are in default while your application is evaluated. NOTE: If you do not select one of the forbearance or stopped collection options within the application, your federal student loans will be placed into forbearance or stopped collection , and ED will request forbearance or stopped collection for any commercially held Federal Family Education Loan FFEL Program loans that you have currently. Interest will continue to accrue for the loans in forbearance while your application is evaluated. More information on forbearance and stopped collections is available immediately below in the Common Questions and Answers Regarding Forbearance / Stopped Collections section. Automatic Administrative Forbearance and Temporary 0% Interest as a Result of the COVID-19 National Emergency To provide relief to student loan borrowers during the COVID-19 national emergency , federal student loan borrowers are automatically being placed in an administrative forbearance, which allows you to temporarily stop making your monthly loan payments. In addition , interest is being temporarily set at 0% on federal student loans. This 0% interest and suspension of payments will last from March 13 , 2020, through Sept. 30 , 2020 , but you can still make payments if you choose. Have questions? Find out what loans qualify, and get additional information about the 0% interest period, administrative forbearance, and other student loan flexibilities due to the COVID-19 national emergency. ", "Common Questions and Answers Regarding Forbearance/Stopped Collections Status \nBy completing and submitting a borrower defense application , you may have all of your federal student loans in repayment placed into forbearance status and have debt collections on any federal student loans in default stopped stopped collections status while ED reviews your application. However , please note interest will continue to accumulate on federal student loans regardless of what status they are in, including for subsidized loans. If your application for borrower defense is denied or partially approved , then when you are taken out of forbearance or stopped collections , the interest that accumulated will be added to the amount you owed when you entered forbearance or stopped collections , and the total amount you owe in the future may be higher. NOTE : You do not have to place your loans in forbearance or stopped collections to apply for borrower defense forgiveness. If you do not select one of the forbearance or stopped collection options within the application , your ED - held Federal Student Aid loans will automatically be placed into forbearance and stopped collections , and ED will request forbearance and debt collection to stop for any commercially held FFEL Program loans that you have currently as applicable. Please read the following question and answer Q & A section carefully before you choose whether you want the U.S. Department of Education to place your loans into forbearance or stopped collections. What does forbearance status mean? During any period that your federal student loans are in forbearance , you do not have to make payments on those loans , and the loans will not go into default. This will continue until the borrower defense review process of your application is completed. Your loan servicer will notify you when your federal student loan have been placed into forbearance status. Until you receive that notice , you must continue to make payments. What does stopped collections status mean? During any period that your loans are in default , if you choose to enter stopped collections status , collections on your loans will stop. For federal student loans that are placed into stopped collections status , the federal government or debt collection companies will stop attempting to collect on the loan, including by not withholding money from your wages or income tax refunds. This will continue until the borrower defense review process of your application is completed. If you previously defaulted on your federal student loan and have entered a rehabilitation plan , please contact the collection agency that you have been working with to set up that plan in order to determine whether there may be any negative consequences if you choose to enter stopped collections status. Which of my federal student loans are eligible to go into forbearance or stopped collections status? Initially , if you choose forbearance or stopped collections status , it will affect all of your federal student loans that are owned by ED and are being serviced by your federal student loan servicer, including loans that are not eligible for borrower defense loan forgiveness, such as 1 loans taken out to attend another institution, and 2 any loans you have for which you are not asserting borrower defense. If you select forbearance and you have commercially held FFEL Program loans , ED will request forbearance on your behalf. Can I remove some or all of my federal student loans from forbearance or stopped collections status? If you want the forbearance or stopped collections status to apply only to those federal student loans related to your borrower defense application , you must contact your loan servicer after you hear from your loan servicer and your servicer confirms the forbearance or stopped collection status. After your loans enter forbearance or stopped collection status , if at any time you want to remove all of your federal student loans from forbearance or stopped collections , you must also contact your loan servicer. Can I make payments on my federal student loans that are in forbearance or stopped collections? Yes. While your federal student loans are in forbearance or stopped collections , you are not required to pay your loans. However , you are allowed to make payments on any of your loans that are in forbearance or stopped collections, including payments for accrued interest. As noted above , interest will continue to accrue on all of these loans while they are in forbearance or stopped collections. What happens if my borrower defense application against the school is successful? Your federal student loans related to your application may be discharged partially or completely. If you receive a partial discharge , you will be responsible for repaying any amounts that are not discharged through borrower defense including any interest that accumulated. Also , at that time , the forbearance or stopped collections period for any of your other federal student loans will end. You will be responsible for repaying those other loans, if applicable, including interest that accrued during the forbearance or stopped collections period. What happens if my borrower defense application against the school is denied? You will not receive a discharge of any of your federal student loans and the forbearance or stopped collections period will end for all of your loans. You will be responsible for repaying these loans, including interest that accrued during the forbearance or stopped collections period. Q. I believe I may be a member of the class that has been certified in the case, Manriquez v. DeVos, because my borrower defense application includes a claim that is based upon job placement rate misrepresentations made by a Corinthian Colleges school. What happens with my repayment status , and what should I do if I am in the wrong repayment status? For more information about the Manriquez v. DeVos case and the class that has been certified in that case , go to the Information About Debt Relief for Corinthian Colleges Students page, under the Information on Pending Litigation for Students at Corinthian Colleges Everest, Heald, and WyoTech Under Borrower Defense to Repayment Rule section. The Frequently Asked Questions About Manriquez v. DeVos subsection provides additional information on how forbearance and stopped collections may apply to your situation due to the pending litigation and court injunction and on what to do if you have questions about your repayment status. The Notifications Regarding Manriquez v. DeVos Lawsuit section on this page provides information about notifications ED began emailing and mailing to borrowers on Dec. 26 , 2019. ", "Common Questions and Answers Regarding Borrower Defense Decision Notifications \nThe U.S. Department of Education ED notifies borrower defense applicants of ED s determination about borrower defense discharge eligibility. The notifications are emailed to borrowers. If you have questions about your notification email that aren t answered below , call our borrower defense hotline : 1 - 855 - 279 - 6207. Representatives are available Monday through Friday from 8 a.m. to 8 p.m. Eastern time ET. Q. I received an email saying that my borrower defense claim is approved. Is this email legitimate? Yes. ED completed its review of your application for a borrower defense discharge of your Direct Loans under the applicable borrower defense to repayment rules and determined that your claim associated with your enrollment or your child s enrollment at the school identified in that notification email is approved. Your borrower defense application was evaluated based on the applicable state law and the circumstances identified in your notification email. Your notification email identified the percentage of the total amount of the Direct Loans you took out to pay for your program that will be discharged. You should receive notification of your discharge from your federal loan servicer within 90 120 days after you received your notification email. As explained in the What happens next? section of your email notification , wait to receive notification of your discharge from your federal loan servicer. Does the borrower defense discharge apply to all loans I took out to pay for my program? No. This borrower defense discharge applies only to your Direct Loans. This borrower defense discharge does not apply to private student loans or other loans you may have received from programs administered by federal or state agencies, including other programs administered by ED. ED will proceed with the applicable discharge of your Direct Loans. If some of your federal student loans are Federal Family Education Loan FFEL Program loans and/or Federal Perkins Loan Program loans , they are not eligible for discharge under the Borrower Defense to Repayment law or regulations. If you want to have your borrower defense discharge apply to your FFEL and/or Federal Perkins loans , you can consolidate your loans into a Direct Consolidation Loan and obtain the discharge. To apply for a Direct Consolidation Loan , go to StudentAid.gov/app/launchConsolidation.action. Once you have your Direct Consolidation Loan , contact our borrower defense hotline at 1 - 855 - 279 - 6207 from 8 a.m. to 8 p.m. ET on Monday through Friday to proceed with discharge. How did ED determine my discharge percentage? For approved borrower discharge claims , ED calculated the amount of borrower defense discharge relief by comparing the earnings of those who completed the same or a similar program at a borrower s school median program earnings to the earnings of those who completed the same or a similar program at other schools median comparison earnings. Specifically , ED used a statistical tool called standard deviation to identify the range of program earnings that would qualify for loan relief, and then divided that range into quartiles to determine the amount of relief a borrower would be provided. If your program earnings exceeded the comparison earnings , then , even if you filed an approved claim , you will not receive a discharge unless your approved application is associated with Corinthian Colleges, Inc. CCI. If your approved application is associated with CCI , you will receive at least a 10% discharge. The larger the negative gap between your program earnings and comparison earnings , the greater the amount of loan discharge you received. The Borrower Defense Partial Relief Methodology tables used by ED to determine relief percentages are provided for your reference. When viewing the earnings charts , note the following : No Data Available appears when there was no data available to complete a calculation. The wording under Program Name may not match exactly to the program name used by your school. There can be slight wording differences in the program name used by the school and the program name shown in the earnings chart. The word Diploma under the Credential column , means the same as Certificate Program, which is often used by schools. Will prior payments be refunded after my discharge is applied? A time limitation applies on receiving a refund of payments made on your federal student loans when a borrower defense claim is approved. We will inform your loan servicer whether you filed your borrower defense to repayment application within the applicable number of years of separating from leaving your school. One of two things will happen. If you filed your application within the applicable limitation period and your loan payments exceed the amount owed after your discharge is applied , you will be eligible for a refund of payments. Your loan servicer will apply the borrower defense discharge to your student loan account and then determine whether you still have an outstanding amount balance due on any Direct Loans. If a balance remains on your account after your discharge is applied , your servicer will apply any prior payments made on the discharged loans first to the remaining balance of your discharged loans and then to the balance of other Direct Loans on your account. If no balance remains on your account , your servicer will return the refund amount to you. If you filed your application outside the applicable limitation period or your loan payments are less than the amount owed after your discharge is applied , you will not be eligible for a refund of payments. Your loan servicer will not apply any prior payments made on the discharged loans or return any refund amount to you. Your loan servicer will let you know if you are eligible or ineligible for a refund of payments. Will interest be waived in addition to my discharge? For borrower defense applications received by ED on or before Jan. 1 , 2020 , ED will waive interest on the federal student loans that it holds for the period between the date you submitted your borrower defense application and the date of your notification email. ED is waiving interest in these cases because of the extended period of time it took to review claims. Your federal loan servicer will let you know what your remaining balance is after the interest waiver has been applied. Note: If you receive a 100% discharge , you do not receive a separate interest waiver because your entire loan balance, including any interest, is discharged. Q. I m a CCI borrower and received an email saying that my borrower defense claim is ineligible for relief. Is this email legitimate? Yes. ED completed its review of your application under the applicable Borrower Defense to Repayment regulations for discharge of your Direct Loans made in connection with your or your child s enrollment at a school operated by CCI, including Everest Institute, Everest College, Everest University, Heald College, and WyoTech. ED has determined that your application is ineligible for relief based on review of the facts of your claim and the regulatory criteria for relief ; this decision means that your Direct Loans will not be discharged. ED s reasons for this determination are as follows : Applicable Law For Direct Loans first disbursed prior to July 1 , 2017 , a borrower may be eligible for a discharge forgiveness of part or all of one or more Direct Loans if the borrower s school engaged in acts or omissions that would give rise to a cause of action against the school under applicable state law. See 455 of the Higher Education Act of 1965, as amended , 20 U.S.C. 1087e , and 34 CFR 685.206 and 685.222 the Borrower Defense regulations. ED recognizes a borrower s defense to repayment of a Direct Loan only if the cause of action directly relates to the Direct Loan or to the school s provision of educational services for which the Direct Loan was provided. 34 CFR 685.206 , 685.222 ; U.S. Department of Education, Notice of Interpretation , 60 Fed. Reg. 37,769 July 21 , 1995. Borrower Defense Claims Based on CCI Job Placement Rates ED has determined that students who first enrolled in certain programs at certain schools operated by CCI between 2010 and 2014 have borrower defense claims arising from the publication of misleading job placement rates for many of their programs of study and are eligible for a discharge of part or all of their loans under ED s Borrower Defense regulation. Lists of covered programs and time periods are available for Everest / WyoTech and Heald the covered programs. In order to have a successful borrower defense claim based on ED s CCI findings , you must have enrolled in one of the covered programs during a listed time period. ED has established a process for the review of borrower defense to repayment claims for job placement rates asserted by borrowers enrolled in the covered programs at CCI schools during the eligibility period. Each CCI borrower s application is reviewed under the same process to determine whether the borrower qualifies for borrower defense to payment relief based on a CCI school job placement rate claim. Why was my CCI application determined to be ineligible? A. ED reviewed your application regarding the campuses you attended, the programs in which you enrolled, and the dates that you enrolled. ED also reviewed data from the National Student Loan Data System NSLDS database and, if available, school - provided data regarding your programs and enrollment dates, in addition to the enrollment information on any official school documents that you provided with your application. You includes your child if you are a Direct PLUS Loan borrower who requested a discharge for loans taken out to pay for a child s enrollment at a CCI - operated institution. Based on that review , ED has determined that you did not enroll in a covered program at a CCI school during the eligibility period. Either a the initial enrollment dates or programs you provided in your application fell outside the eligibility period for a covered program at one or more of the CCI campuses or b both NSLDS data and the school s data demonstrated that you were not enrolled in a covered program at one or more of the CCI schools during the eligibility period. Moreover , your borrower defense application did not describe any other act or omission by the CCI schools that related to the making of your Direct Loans for enrollment or the provision of educational services for which the Direct Loan was made and that would be actionable under state law. Accordingly , ED has determined that your borrower defense to repayment application is ineligible and will not discharge your Direct Loans. Your borrower defense application was evaluated based on California state law and the circumstances identified in your notification email. For borrower defense applications received by ED on or before Jan. 1 , 2020 , ED will waive interest on the federal student loans that it holds for the period between the date you submitted your borrower defense application and the date of your notification email. ED is waiving interest in these cases because of the extended period of time it took to review claims. As explained in the What should I do now? section of your email notification , wait to receive notification from your federal loan servicer. If you disagree with this decision , you can ask ED to reconsider your borrower defense application. Q. I m a non - CCI borrower and received an email saying that my borrower defense claim is ineligible for relief. Is this email legitimate? Yes. ED completed its review of your application under the applicable Borrower Defense to Repayment regulations for discharge of your Direct Loans made in connection with your or your child s enrollment at the school identified in that notification email. ED has determined that your application is ineligible for relief based on review of the facts of your claim and the regulatory criteria for relief ; this decision means that your Direct Loans will not be discharged. Applicable Law For Direct Loans first disbursed prior to July 1 , 2017 , a borrower may be eligible for a discharge forgiveness of part or all of one or more Direct Loans if the borrower s school engaged in acts or omissions that would give rise to a cause of action against the school under applicable state law. See 455 of the Higher Education Act of 1965, as amended , 20 U.S.C. 1087e , and 34 CFR 685.206 and 685.222 the Borrower Defense regulations. ED recognizes a borrower s defense to repayment of a Direct Loan only if the cause of action directly relates to the Direct Loan or to the school s provision of educational services for which the Direct Loan was provided. 34 CFR 685.206 , 685.222 ; U.S. Department of Education, Notice of Interpretation , 60 Fed. Reg. 37,769 July 21 , 1995. Why was my non - CCI application determined to be ineligible? A. ED reviewed your borrower defense claim based on any evidence submitted by you in support of your application, your loan data from the NSLDS database, as well as evidence gathered from the sources identified in your notification email. Each allegation of misconduct you claimed is identified in your email along with the reason that claim failed. For borrower defense applications received by ED on or before Jan. 1 , 2020 , ED will waive interest on the federal student loans that it holds for the period between the date you submitted your borrower defense application and the date of your notification email. ED is waiving interest in these cases because of the extended period of time it took to review claims. As explained in the What should I do now? section of your email notification , wait to receive notification from your federal loan servicer. If you disagree with the percentage discharge determined under the formula or with other parts of this decision , you can ask ED to reconsider your borrower defense application. Q. I received more than one notification email about my borrower defense claim. Should this have happened? There are two circumstances that would result in your receipt of more than one notification email. If you have two email addresses associated with your borrower defense application , ED sent a notification email to both addresses. If you have a borrower defense application that was approved and a different borrower defense application that was determined to be ineligible , ED sent you a notification email specific to each application. To check the notification emails you received , contact our borrower defense hotline at 1 - 855 - 279 - 6207 from 8 a.m. to 8 p.m. ET on Monday through Friday. What if I don t agree with the decision made regarding my borrower defense claim? If you disagree with ED s decision , you can ask ED to reconsider your borrower defense application. You can do so in one of two ways : Send a new email with the subject line Request for Reconsideration to BorrowerDefense@ed.gov. Include the number that appears with the words Request for Reconsideration in the What if I don t agree with this decision? section of your notification email. Mail your request to U.S. Department of Education, P.O. Box 1854 , Monticello, KY 42633. In your request for reconsideration , provide the following information : What you think was decided incorrectly Why you believe the decision was incorrect that you believe establishes that you are eligible for a different decision Any evidence We will not accept any request for reconsideration that includes new allegations of misconduct by your school. If you include new allegations of misconduct by your school in your reconsideration request , the request will be rejected. You must file a new application regarding acts or omissions by your school other than those described in the borrower defense application identified in your notification email, by submitting an application. In the new application , you should explain in the relevant sections the basis for any new borrower defense claims and submit all supporting evidence. ED will not place your federal student loans into forbearance or stopped collection activity when you file a request for reconsideration. In addition , if your borrower defense claim was approved , ED will not begin its review of your request for reconsideration until your federal loan servicer notifies you that the discharge has been completed. For more information about reconsideration , contact our borrower defense hotline at 1 - 855 - 279 - 6207 from 8 a.m. to 8 p.m. ET on Monday through Friday. Can I apply for borrower defense if I have additional allegations? Yes. If you wish to file a new application regarding acts or omissions by your school other than those described in the borrower defense application identified in your notification email , submit an application. In the new application , you should explain in the relevant sections the basis for any new borrower defense claims and submit all supporting evidence. What should I know about repayment? A. ED offers a variety of loan repayment options, including standard, graduated, and extended repayment plans, which base your payment on your loan balance and interest rate, as well as income driven repayment plans, which base your payment on your income. Remember , that while you can choose a repayment plan that lowers your monthly payment amount, it may also increase the amount of interest you pay over time which sometimes is significantly more. For more information about student loan repayment options , visit StudentAid.gov/plans. If you don t begin or resume repayment when required , your loans may be placed into default. Defaulting on your loans subjects you to collection activity that includes administrative wage garnishment taking money out of your pay ; you may be owed offset of state and federal payments taking money owed to you by the government ; and litigation taking legal action against you. ", "Borrower Defense Discharge Earnings Information \nThe U.S. Department of Education ED notifies borrower defense applicants about its review of their claims for discharge. Some claims are approved for discharge and other claims are determined to be ineligible for discharge. For approved borrower discharge claims , ED calculates the amount of borrower defense discharge relief by comparing the earnings of those who completed the same or a similar program at a borrower s school median program earnings to the earnings of those who completed the same or a similar program at other schools median comparison earnings. Specifically , ED uses a statistical tool called standard deviation to identify the range of program earnings that would qualify for loan relief, and then divides that range into quartiles to determine the amount of relief a borrower would be provided. If your program earnings exceed the comparison earnings , then , even if you filed an approved claim , you will not receive a discharge unless your approved application is associated with Corinthian Colleges, Inc. CCI. If your approved application is associated with CCI , you will receive at least a 10% discharge. The larger the negative gap between your program earnings and comparison earnings , the greater the amount of loan discharge you receive. The Borrower Defense Partial Relief Methodology tables used by ED to determine relief percentages are provided for your reference. When viewing the earnings charts , note the following : No Data Available appears when there was no data available to complete a calculation. The wording under Program Name may not match exactly to the program name used by your school. There can be slight wording differences in the program name used by the school and the program name shown in the earnings chart. The word Diploma under the Credential column , means the same as Certificate Program, which is often used by schools. Corinthian Colleges , Inc. CCI Programs ITT Educational Services , Inc. Programs ", "Notifications Regarding Sweet v. DeVos Lawsuit \nIn June and early July 2020 , the U.S. Department of Education ED will email and mail notifications about the Sweet v. DeVos lawsuit to borrower defense applicants who are potential members of the group of borrowers to whom the lawsuit applies to inform them that there is a proposed settlement of the lawsuit. The settlement will not become final until it is approved by the court as fair, adequate, and reasonable. The notification describes how borrowers legal rights may be affected by the settlement. ED will send borrowers two notifications one by email and one by mail. The email notifications will be sent to borrowers from the email address noreply@studentaid.gov. The mailed notifications will be sent to borrowers in an envelope marked with Federal Student Aid s return address. If you have questions about notifications you receive that aren t answered below , there s more information about the Sweet v. DeVos lawsuit on Class Counsel s website at predatorystudentlending.org/sweet-v-devos-class-members/. Q. I received an email from noreply@studentaid.gov and/or a letter saying that I may be part of a group of borrowers under a lawsuit called Sweet v. DeVos. Are these communications legitimate? Yes. The case Sweet v. DeVos , No. 19-cv-3674 (N.D. Cal. ), is a lawsuit that was filed in a federal court in California by seven borrower defense applicants who represent, with certain exceptions, all borrowers with pending borrower defense applications as of April 7, 2020. The lawsuit challenges the fact that ED did not issue a final decision on any borrower defense applications from any school between June 2018 and December 2019. The lawsuit is ONLY about the fact that final decisions were not issued during that period of time, NOT whether those applications should result in loan cancellation or not. Now , both parties are proposing to settle this lawsuit. This proposed settlement is a compromise of disputed claims , and ED continues to deny that it has acted unlawfully. Who is included in the group of people the class represented by Sweet v. DeVos? The case Sweet v. DeVos includes all people who borrowed a Direct Loan or FFEL loan to pay for a program of higher education, who have asserted a borrower defense to repayment to the U.S. Department of Education, whose borrower defense has not been granted or denied on the merits, and who is not a class member in Manriquez v. DeVos, No. 17-cv-7210 (N.D. Cal. What are the terms of the proposed settlement? In the proposed settlement , ED agrees to resolve pending borrower defense applications of people who have borrower defense applications pending as of April 7 , 2020, on the following terms : ED will approve or deny all Sweet class members pending borrower defense applications within 18 months of when the settlement agreement is approved by the court. ED will notify you of whether your claim was approved, whether you will receive any loan cancellation, and if so, how much loan cancellation you will receive. If your application is approved and you are entitled to any loan discharge , ED will complete the process of canceling some or all of your outstanding loan debt within 21 months of the date on which the settlement agreement is approved by the court. ED will provide your lawyers with information about its progress making borrower defense decisions every three months, including how many decisions ED has made, how many borrowers have received a loan discharge, and any new borrower defense findings ED has made. ED confirms, consistent with governing law and existing policies, that if you are in default, it will not take action to collect your debt, such as by garnishing your wages that is, taking part of your paycheck or taking portions of your tax refund, while your application is pending. A copy of the proposed settlement is available online at predatorystudentlending.org/cases/sweet-v-devos. What will happen next? The court will need to approve the proposed settlement before it becomes final. The court will hold a public hearing, called a fairness hearing, to decide if the proposed settlement is fair. The hearing will be held on Oct. 1 , 2020, beginning at 8 a.m. Pacific time at the following address : United States District Court Northern District of California 450 Golden Gate Avenue , Courtroom 12 , 19th Floor San Francisco, CA 94102 What should I do in response to this notice? IF YOU AGREE with the proposed settlement , you do not have to do anything. You have the right to attend the fairness hearing, at the time and place above, but you are not required to do so. IF YOU DISAGREE WITH OR HAVE COMMENTS on the proposed settlement , you can write to the court or ask to speak at the hearing. You must do this by writing to the Clerk of the Court, at the following mailing address : Clerk of the Court United States District Court Northern District of California 450 Golden Gate Avenue San Francisco , CA 94102 Your written comments or request to speak at the fairness hearing must be postmarked by Aug. 20 , 2020. The Clerk of the Court will provide copies of the written comments to the lawyers who brought the lawsuit. Who are the lawyers for the Sweet v. DeVos class and how can I contact them? The class is represented by the Legal Services Center at Harvard Law School and Housing & Economic Rights Advocates. If you have questions about this lawsuit or about the proposed settlement , please visit their Frequently Asked Questions page at predatorystudentlending.org/sweet-v-devos-class-members/, which also has contact information for the lawyers who brought the lawsuit. ", "Notifications Regarding Manriquez v. DeVos Lawsuit \nBeginning Dec. 26 , 2019 , the U.S. Department of Education ED will email notifications about the Manriquez v. DeVos lawsuit to borrower defense applicants who are potential members of the group of borrowers to whom the lawsuit applies. The email notifications will be sent to borrowers from the email address noreply@studentaid.gov. For borrowers without a good email address , ED will mail notifications. The mailed notifications will be sent to borrowers in an envelope marked with Federal Student Aid s return address. Each borrower will receive either an emailed notification or a mailed notification. If you have questions about notifications you receive that aren t answered below , there s more information about the Manriquez v. DeVos lawsuit on Class Counsel s website at harvardlaw.github.io/ppsl_dropdown/index. You can contact the lawyers representing the covered class in the Manriquez v. DeVos lawsuit by emailing CMclass@law.harvard.edu or calling 617 - 390 - 2612. Q. I received an email from noreply@studentaid.gov saying that I may be part of a group of borrowers protected under a lawsuit called Manriquez v. DeVos. Is this email legitimate? Yes. You may be part of a group referred to as a class that is protected in certain ways because of a lawsuit called Manriquez v. DeVos. The U.S. Department of Education ED contacted you to make sure you know how to determine if you are part of the class , what protections you have , that ED made mistakes recently that may have applied to you , what ED has done to fix the mistakes , and where to find more information about the lawsuit and your federal student loans. ED contacted you because its records show that you borrowed one or more Direct Loans to attend or for your child to attend Heald College, Everest Institute, or WyoTech, operated by Corinthian Colleges, Inc. ED s records also show that you asked to cancel some or all of your federal student loan debt because the school you attended or that your child attended did something wrong. This is known as a borrower defense application. The intent of the email was to inform you generally about the lawsuit and give you contact information for obtaining additional information if needed. How do I find out if I m part of the group / class and get more information? To determine if you re a member of the class in the Manriquez v. DeVos lawsuit , visit the website set up by the class lawyers. You can contact the lawyers representing the covered class in the Manriquez v. DeVos lawsuit by emailing CMclass@law.harvard.edu or calling 617 - 390 - 2612. ED will still review and decide your borrower defense even if you are not a member of the class. What protections does the class get? A June 2018 court order in the lawsuit stops ED from collecting federal student loan payments from members of the class until the lawsuit is over. Since June 2018 , class members have not been required to make any payments on their loans related to Everest, Heald, or WyoTech. Loans that were not in default as of June 2018 should be placed into something called forbearance or another appropriate repayment status, such as an income - driven repayment plan that requires a payment of zero dollars or in - school deferment status. These statuses mean no payments are required , and your loans cannot go into default. Loans that were in default as of June 2018 should be placed in what is known as a stopped collections status. This status means ED must stop collecting money from you, such as by taking part of your paycheck or tax refund. What mistakes have been made? Many people in the class did not receive these protections. Specifically , since June 2018 , that work for ED mistakenly ED and companies sent bills to students and parents for money they were not required to pay , collected money from students and parents that they were not required to pay , reduced tax refunds or paychecks from students and parents , and made negative reports to credit reporting agencies. ED sincerely regrets these mistakes. What has ED done to fix its errors? A. ED has confirmed that potential class members are in the correct repayment status. ED is working with the Department of the Treasury to make sure that other payments that should not have been made, or that you would not have made otherwise, are given back. ED has also worked to fix any bad credit reporting that came from its mistakes. ED will work harder to make sure further mistakes do not happen. ED will review accounts of all potential people in the class to make sure there are no additional problems. ", "Information and Resources for Help \nIf you have questions about borrower defense , you may call our borrower defense hotline : 1 - 855 - 279 - 6207. Representatives are available Monday through Friday from 8 a.m. to 8 p.m. Eastern time.", "You know you have to fill out the FreeApplication for Federal Student Aid (FAFSA) form, but maybe you re not sure what to do. \nLet s review what to expect. Filling out the FAFSA form can be a straightforward and easy process. Select the Fill Out the FAFSA button on the home page, and just follow the directions on the screen. Below are some tips to help you along the way. Ready to fill out your FAFSA form now? Go for it! Fill Out the FAFSA Prefer a mobile app? The 2020 21 and 2019 20 FAFSA forms are on the myStudentAid app, available on the App Store iOS or on Google Play Android.  FAFSA Topics \nTry This Resource The FAFSA Process graphic Walks through the process of preparing for, completing, and submitting a FAFSA form. Includes info on what happens after the form is submitted.  Creating an FSA ID \nWe strongly recommend you create an FSA ID, a username and password combination that allows you to sign your FAFSA form electronically. Your FSA ID also can be used to access the myStudentAid app, sign loan contracts, and access certain information online. While you can get your FSA ID as you re completing the FAFSA form online, getting it ahead of time and using it to begin your FAFSA form on fafsa.gov or on the myStudentAid mobile app cuts down on errors and delays. Find out how to get an FSA ID and what to do if you forgot your FSA ID. Important note: If you re a dependent student , one of your parents whose information is reported on the FAFSA form will also need an FSA ID so that he or she can sign your application electronically. If your parent doesn t have a Social Security number SSN , your parent won t be able to create an FSA ID which requires an SSN. This means you ll have to select the option to print a signature page when you get to the end of your FAFSA form on fafsa.gov this option isn t available in the myStudentAid app. Creating your FSA ID before you begin the FAFSA form only takes a few minutes and could prevent processing delays. Plus, you can t use the myStudentAid mobile app at all without an FSA ID, so you ll need to create it before filling out the FAFSA form on the app. Tip : Use your FSA ID to start your FAFSA form. When you create your FSA ID , be careful to enter your name and Social Security number exactly as they appear on your Social Security card. Then , if you go to fafsa.gov to start your application and indicate that you are the student , you will be given the option to enter your FSA ID or to enter your identifiers your name, date of birth, and SSN. If you log in with your FSA ID , certain information including your name, Social Security number, and date of birth will be automatically loaded into your application. This will prevent you from running into a common error that occurs when your verified FSA ID information doesn t match the information on your FAFSA form. Additionally , you won t have to provide your FSA ID again to sign your FAFSA form electronically or to use the Internal Revenue Service Data Retrieval Tool IRS DRT if you re eligible. The student is the one applying for financial aid, so be sure it s the student entering his or her FSA ID in the I am the student tab. Do not start the FAFSA form by supplying the parent s FSA ID. ", "Gathering the Documents Needed to Apply \nThe FAFSA questions ask for information about you your name, date of birth, address, etc. and about your financial situation. Depending on your circumstances for instance, whether you re a U.S. citizen or what tax form you used , you might need the following information or documents as you fill out the application : Your Social Security number it s important that you enter it correctly on the FAFSA form! if you are a dependent student Your parents Social Security numbers if you have one Your driver s license number if you are not a U.S. citizen Your Alien Registration number Federal tax information or tax returns including IRS W-2 information, for you and your spouse, if you are married, and for your parents if you are a dependent student : IRS 1040 Foreign tax return, IRS 1040NR, or IRS 1040NR - EZ Tax return for Puerto Rico, Guam, American Samoa, the U.S. Virgin Islands, the Marshall Islands, the Federated States of Micronesia, or Palau Records of your untaxed income , such as child support received , interest income , and veterans noneducation benefits , for you , if you are a dependent student and for your parents Information on cash; savings and checking account balances; investments, including stocks and bonds and real estate but not including the home in which you live; and business and farm assets for you, and for your parents if you are a dependent student Keep these records! You may need them again. Do not mail your records to us. Try This Resource 2020 21 FAFSA on the Web Worksheet Provides a preview of the questions students and parents may be asked while completing the FAFSA form. ", "Getting Help \nIf you need help filling out the FAFSA form , use these free tools : Select the blue and white question mark icon next to a FAFSA question to view a \" tool tip \" that provides information about how to answer that question. In the online FAFSA form , the tool tip may have a More Help link for additional information. You also can select the Help button at the bottom of the tool tip to reach the FAFSA Help page, where you can browse FAQs, search for more information, or click on Contact Us. Once you click on Contact Us , you ll have the option of emailing us with your question or, during business hours, chatting in English or Spanish with live technical support staff. In the myStudentAid mobile app, you can find the contact information via the hamburger menu the three parallel lines at the top right of the screen. Contact the financial aid office at the college or career school you plan to attend.  Starting Your FAFSA Form and Providing Your Basic Personal Information \nThe FAFSA form is available on Oct. 1 for the next school year. We encourage you to fill it out as soon as possible on or after Oct. 1 to meet FAFSA deadlines. FAFSA Filing Options You may choose any of these methods to file a FAFSA form : Log in at fafsa.gov to apply online or Fill out the form in the myStudentAid mobile app, available on the App Store iOS or Google Play Android or Complete a 2020 - 21 FAFSA PDF or a 2019 20 FAFSA PDF note: you must print out and mail the FAFSA PDF for processing or Request a print - out of the FAFSA PDF by calling us at 1 - 800 - 4-FED - AID 1 - 800 - 433 - 3243 or 334 - 523 - 2691 TTY for the deaf or hard of hearing 1 - 800 - 730 - 8913 ; then fill out the form and mail it for processing If you are starting the application for the first time on fafsa.gov , select START HERE. As you begin , keep the following in mind : Your name and Social Security number must match those on your Social Security card. Follow this tip to avoid getting a notice that your information doesn t match the Social Security Administration s records or your FSA ID account. If you re concerned about providing your personal information on the log - in page , choose the virtual keyboard option for additional security. To ensure the application functions properly , make sure the pop - up blocker in your browser allows pop - ups from fafsa.ed.gov. Learn how to enable pop - ups in your browser. If you re starting for the first time on the myStudentAid mobile app , you will select START HERE and then be required to enter your FSA ID. You cannot fill out the FAFSA form on the mobile app without an FSA ID. If you re a male between the ages of 18 and 25 and you haven t registered with the Selective Service System , select Yes when you re asked if you would like to be registered. Otherwise , you won t be eligible to receive federal student aid. This requirement applies to any person assigned the sex of male at birth. The following tips apply whether you re filling out the form online or on the mobile app : Near the beginning of the application , you ll create a save key, a temporary password that you ll use if you start your FAFSA form, save it without finishing it, then want to open it again later to finish it. One benefit of the save key is that students and parents can use this function to access the FAFSA form if they are completing the FAFSA in separate locations. Unlike with the FSA ID, which needs to be kept private, it s okay to tell your parent what your save key is. If you are applying for a summer session , contact the financial aid office at your college to find out which school year you should select when you complete your FAFSA form. If you filled out a FAFSA form last year and want to renew it , select LOG IN on the FAFSA home page , select I am the student , enter your FSA ID , and be sure to select FAFSA RENEWAL once given the option. That way , many of the nonfinancial questions will be prefilled for you. Just be sure to update any information that has changed since last year. Only the student can start a FAFSA renewal using his or her FSA ID. If you re a dependent student and your parent helps you with your FAFSA form , you should start the FAFSA renewal, save it, and give the save key to your parent so he or she can access your FAFSA form. If you re using the mobile app and log in as the student and are eligible for a FAFSA renewal , the renewal will automatically appear for you. Due to the coronavirus national emergency , processing of the FAFSA PDF may take longer than usual. We recommend filing your FAFSA form electronically to avoid processing delays. ", "Listing Colleges and/or Career Schools \nWhile completing the FAFSA form , you must list at least one school to receive your information. The schools you list will use your FAFSA information to determine the types and amounts of aid you may receive. Use the Federal School Code Search to find the colleges you re interested in including on your FAFSA form. For purposes of federal student aid , it does not matter in what order you list the schools. However , to be considered for state aid , some states require you to list schools in a particular order for instance, you might need to list a state school first. Find out whether your state has a requirement for the order in which you list schools on your FAFSA form You can list up to 10 schools online or in the mobile app or up to four schools on a FAFSA PDF. You can add more schools to your FAFSA form later. Schools you list on the application will automatically receive your FAFSA results electronically. Note : Schools will not be able to see which other schools you listed on your FAFSA form. You should add any school that you plan on applying to, even if you haven t been accepted yet. In most cases , once a school accepts you , they will then work on developing your aid offer.  Determining Your Dependency Status \nThe FAFSA form asks a series of questions that determine whether you are a dependent or independent student for purposes of applying for federal student aid. If you are a dependent student , you must report parent information, as well as your own information, on your application. If you re curious , you can find out now whether you re a dependent student. ", "Reporting Parents Information \nIf you re a dependent student , you ll need to report parent information on your FAFSA form. Visit our page on reporting parent information to find out who counts as your parent, what to do if you don t live with your parents, and what to do if you don t have access to your parents financial information.  Providing Financial Information \nThe FAFSA form asks for financial information, including information from tax forms and balances of savings and checking accounts. The 2020 21 FAFSA form asks for 2018 tax information. If you re filling out the 2019 20 FAFSA form , you ll need your 2017 tax information. Note: If your family s financial situation has changed dramatically since you and/or your parents filed taxes , complete the FAFSA questions as required, submit the FAFSA form , then contact the school you plan to attend and discuss your situation with the financial aid office.  What to Do If Your Parents (or Your) Marital Status Has Changed Since Taxes Were Filed \nHere are some tips for this type of situation using the example of the 2020 21 FAFSA form : The FAFSA form asks for marital status as of today the day it s filled out. So if the student or parent is married now but wasn t in 2018 and therefore didn t file taxes as married , the spouse s 2018 income will need to be added to the FAFSA form. Similarly , if the student or parent filed 2018 taxes as married but is no longer married when filling out the FAFSA form , the spouse s income will need to be subtracted. And if the student or parent was married when filing 2018 taxes, then got divorced and is now married to someone else , there s a bit more math to do: Subtract the ex s income, then add the new spouse s income. The FAFSA help text covers all these situations in more detail as you re filling out the application. ", "Automatically Transferring Your Tax Information Using the Internal Revenue Service Data Retrieval Tool (IRS DRT) \nThe IRS DRT automatically transfers tax information into the FAFSA form. Be sure to consider this option if it s offered to you. If you got an extension on filing your taxes and didn t file until September or October, find out when your tax return information will likely be available using the IRS DRT. Try This Resource Simple Steps to Transfer Tax Information Into Your FAFSA Form graphic Explains how to use the IRS Data Retrieval Tool to transfer tax information into the FAFSA form. Here s how the IRS DRT process works , assuming your tax information is available : The IRS DRT takes you to the IRS website, where you ll need to provide your name and other information exactly as you provided it on your tax return. Some information will be prepopulated from your FAFSA form. At the IRS site , you ll see a page that indicates that your tax information is available. For security and privacy protections, you won t see the actual information. You can choose to import your information into the FAFSA form , or you can cancel your request and return to the FAFSA site. If you choose to import your information into the FAFSA form , you ll find that on the FAFSA site, instead of your tax information being displayed, you ll see Transferred from the IRS \" in the appropriate fields. You won t be able to make changes to those answers. Using the IRS DRT saves you time and effort : You don t have to find your tax records. You don t have to worry about making mistakes entering your tax information on your FAFSA form. You may not need to provide an IRS tax transcript or a signed copy of your income tax return if you re selected for verification. ", "Can I change the tax return information that I transfer into the FAFSA form via the IRS DRT? \nNo. Information you transfer via the IRS DRT can t be changed. Remember, the information transferred is coming from your filed tax return , so it shouldn t need to be changed. If your financial situation has changed or you filed a 1040X amended return , contact your school s financial aid office to discuss whether it would be appropriate for the school to adjust the information on your FAFSA form.  If I ve transferred my tax return information into the FAFSA form via the IRS DRT, and then decide I want to enter the information manually instead, can I clear the information that was transferred via the DRT? \nWe strongly discourage clearing the information. The IRS DRT remains the fastest, most accurate way to input your tax return information into the FAFSA form. Additionally , using the IRS DRT to enter your tax information into the FAFSA form may reduce the amount of paperwork you need to provide to your school later. If , despite this , you still want to clear the information transferred via the IRS DRT and enter your tax information manually and you haven t submitted the application or correction yet you can select the Reset FAFSA button at the top of the page or in the menu at the upper right of the mobile app screen. Just know that by doing so, the entire application or correction will be cleared, and you will have to start the entire application or correction over again. ", "If I enter my tax information manually, will I be able to see it? \nYes. Tax return information that s entered manually will be visible on fafsa.gov, in the mobile app, and on your Student Aid Report.  Signing and Submitting the FAFSA Form \nBefore your FAFSA form can be processed , you ll need to sign and submit the application. Here are some tips as you finish your FAFSA form : To ensure the application functions properly , make sure the pop - up blocker in your browser allows pop - ups from fafsa.ed.gov. Learn how to enable pop - ups in your browser. Be sure to sign with your FSA ID your username and password so your FAFSA form will be processed as quickly as possible. (If you log in to the form by providing your FSA ID, you won t be asked for it again when it s time to sign. However, if you re providing parent information, one of your parents will be required to sign your application.) While your online FAFSA form will be processed much quicker if you and your parent if you re a dependent student sign your FAFSA form with your FSA ID , you have the option to print out, sign, and mail in a signature page to the address listed on the page. Learn more about printing a signature page. Once you see your confirmation page , you ll know you ve successfully submitted your FAFSA form. If you provided an email address on the form , you ll automatically receive the confirmation page by email. There are a few differences between the emailed confirmation and the one you ll see in the FAFSA form before exiting the application, so consider printing or saving your confirmation page before you exit. For example , the emailed confirmation won t include the college graduation, retention, and transfer rates for schools you listed on your FAFSA form. There are some states that have a partnership with our office that allows you to transfer your information directly into your state aid form for example, New York residents can use this interface to link directly to the application for the Tuition Assistance Program [TAP]. When you fill out the FAFSA form , you ll have the option to apply with certain state financial aid forms. So , if you see a link from your FAFSA confirmation page to your state financial aid form , you should select it. The link will only appear on the confirmation page within the FAFSA form, so be sure to take advantage of it while you re still in the application. Your confirmation page offers the option for the parent information in your FAFSA form to be transferred automatically into another student s application. So if you have a sibling who needs to fill out a FAFSA form , be sure to use this option when you see your confirmation page. The link will only appear on the confirmation page within the FAFSA form, so be sure to take advantage of it while you re still in the application. Note: If you re filling out the FAFSA form on the myStudentAid app , your parent will only see this option if they sign and submit after you. Top FAFSA Tips Read all questions and instructions carefully. Meet deadlines. Check your email including spam regularly for any messages from Federal Student Aid or your college. ", "Taking the Next Steps \nOnce you ve completed your FAFSA form , there are more steps you have to take before you receive financial aid. Make sure you know what happens after you submit your FAFSA form.", "When it comes to paying for college, career school, or graduate school, federal student loans can offer several advantages over private student loans. \nNeed a loan to help pay for college? Consider federal loans first! If you apply for financial aid , your school will likely include student loans as part of your financial aid package. It s important to understand what types of loans you are offered. Generally , there are two types of student loans federal and private. Federal student loans and federal parent loans : These loans are funded by the federal government. Private student loans: These loans are nonfederal loans, made by a lender such as a bank, credit union, state agency, or a school.  If you need to borrow money to pay for college or career school, start with federal loans. \nFederal student loans are Direct Subsidized Loans and Direct Unsubsidized Loans and Direct PLUS Loans for graduate and professional students. Federal parent loans are Direct PLUS Loans for parents. Parents are fully responsible for paying these loans, even though they are taken out to benefit students.  What are the differences between federal and private student loans? \nFederal student loans are made by the government, with terms and conditions that are set by law, and include many benefits such as fixed interest rates and income - driven repayment plans not typically offered with private loans. In contrast , private loans are made by private organizations such banks, credit unions, and state - based or state - affiliated organizations, and have terms and conditions that are set by the lender. Private student loans are generally more expensive than federal student loans. The chart below provides a summary of the differences. Private loans differ by lender and by type of loan. Be sure you understand the terms of your loan, and keep in touch with your lender about any questions you may have. ", "How do I get a federal student loan? \nTo get a federal loan , you must first complete the Free Application for Federal Student Aid FAFSA form. Learn more about applying for aid.", "Did you know that the Internal Revenue Service (IRS) provides tax benefits for education? \nThe 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. Read IRS Publication 970, Tax Benefits for Education to see which federal income tax benefits might apply to your situation. Here are some highlights :  Tax Credits for Higher Education Expenses \nTwo tax credits help offset the costs tuition, fees, books, supplies, equipment of college or career school by reducing the amount of your income tax : The American Opportunity Credit 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. 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. Even if you normally wouldn t file a tax return because of your income level , be sure to do so! If you don t , you ll miss out on tax credits that would put money in your pocket.  Coverdell Education Savings Account \nA Coverdell Education Savings Account allows up to $2,000 a year to be put aside for a student s education expenses elementary, secondary, or college or career school. ", "Qualified Tuition Programs (QTPs; also known as 529 Plans) \nA QTP/529 plan is established by a state or school so that you can either prepay or save up to pay education - related expenses. Once you re in college or career school and you withdraw money from your account to pay your education expenses , the money you withdraw will not be taxed. Learn more about state 529 plans. To find out whether the college you plan to attend participates in a QTP , ask the financial aid or admissions staff.  Student Loan Interest Deduction \nYou can take a tax deduction for the interest paid on student loans that you took out for yourself, your spouse, or your dependent. This benefit applies to all loans not just federal student loans used to pay for higher education expenses. The maximum deduction is $2,500 a year.  Using IRA Withdrawals for College Costs \nYou may withdraw from an IRA to pay higher education expenses for yourself, your spouse, your child, or your grandchild. You will owe federal income tax on the amount withdrawn , but won't be subject to the early withdrawal penalty.", "Who Gets Aid \nMost U.S. citizens or eligible noncitizens are eligible for financial aid for college or career school. It s important to understand the criteria of the programs, how to stay eligible, and how to get your eligibility back if you lose it. Eligibility Requirements Students With a Parent Who Was Killed in Iraq or Afghanistan Non-U.S. Citizens Students with criminal convictions Students with intellectual disabilities Homeless Students who are or have been in foster care Students Staying Eligible Regaining Eligibility  Eligibility Requirements \nshare link Our general eligibility requirements include that you have financial need, are a U.S. citizen or eligible noncitizen, and are enrolled in an eligible degree or certificate program at your college or career school. There are more eligibility requirements you must meet to qualify for federal student aid.  For a quick glance at the basic eligibility criteria for federal student aid, check out this graphic. \nEligibility for Federal Student AidGraphic \nView text - only version of Eligibility for Federal Student Aid infographic Did You Know? There is no income cut - off to qualify for federal student aid. Many factors such as the size of your family and your year in school are taken into account. LEARN ABOUT ELIGIBILITY CRITERIA  Students With a Parent Who Was Killed in Iraq or Afghanistan \nshare link If your parent died as a result of military service in Iraq or Afghanistan after the events of 9/11 , you might be eligible for additional Federal Pell Grant funding or for an Iraq and Afghanistan Service Grant. ", "Non-U.S. Citizens \nshare link Generally , if you have a green card in other words, if you are a permanent resident alien , you will be considered an eligible noncitizen and will be able to get federal student aid if you meet the other basic eligibility criteria. Learn about which immigration statuses make you an eligible noncitizen.  Students With Criminal Convictions \nshare link Your eligibility for federal student aid can be affected by incarceration, having a conviction for a drug offense, or being subject to an involuntary civil commitment after completing a period of incarceration for a sexual offense.  Students With Intellectual Disabilities \nshare link Students with intellectual disabilities may receive funding from the Pell Grant, Federal Supplemental Educational Opportunity Grant, and Federal Work - Study programs in certain circumstances.  Homeless Students \nshare link We don t offer a financial aid program specifically for students who are homeless. However , homeless students can receive money for college if they meet the eligibility requirements for federal student aid. Here are some resources for students who are homeless : Federal Student Aid and Homeless Youth FAFSA dependency status information certain homeless students may not have to report parent information on the FAFSA form I Want to Go to College: Now What? Identifying and Supporting Students Experiencing Homelessness from Pre - School to Post - Secondary Ages this page is aimed at professionals assisting homeless students , but students may be interested in a few of the links that provide information about services or offices that can help ", "Students Who Are (or Have Been) in Foster Care \nshare link We don t offer a financial aid program specifically for students who are or have been in foster care. However , such students can receive money for college if they meet the eligibility requirements for federal student aid. Here are some resources for students who are or have been in foster care : Educational and Training Vouchers for Current and Former Foster Care Youth FAFSA dependency status information certain students who are or have been in foster care may not have to report parent information on the FAFSA form Foster Care Transition Toolkit  Staying Eligible \nshare link Find out how to stay eligible for federal student aid. LEARN HOW TO STAY ELIGIBLE  Regaining Eligibility \nshare link If you ve been told you no longer qualify for federal student aid , find out how to get your eligibility back. LEARN ABOUT REGAINING ELIGIBILITY", "FAFSA Deadlines \nYes, there are FAFSA deadlines , and we ve got them right here. Don t miss out on financial aid opportunities. Completing the Free Application for Federal Student Aid FAFSA form allows you to be considered for federal student aid. In addition , states and colleges use FAFSA information to award their own grants, scholarships, and loans. But , since aid is limited , you have to meet the deadlines! \n\nFederal Deadlines \n2020 21 Academic Year Online FAFSA forms must be submitted by 11:59 p.m. Central time CT, June 30 , 2021. Any corrections or updates must be submitted by 11:59 p.m. CT, September 11 , 2021. 2019 20 Academic Year Online Free Application for Federal Student Aid FAFSA forms must be submitted by 11:59 p.m. Central time CT, June 30 , 2020. Any corrections or updates must be submitted by 11:59 p.m. CT, September 12 , 2020. \n\nCollege Deadlines \nEach college may have its own deadline. Check with the college you re interested in attending. You may also want to ask your college about its definition of an application deadline. Is it the date your FAFSA form is processed or the date the college receives your processed FAFSA data? \n\nState Deadlines \nEach state has its own deadline. See the listing below. 2020 21 Academic Year State Deadlines 2019 20 Academic Year State Deadlines", "Not sure what college or career school might be right for you? \nLearn about steps you can take to research possible colleges or career schools. While getting the right education and training will help you get a better - paying job , going to college or career school is a big investment in time, money, and effort. Make sure to take your time and research your options.  How do I find the right college or career school for me? \nTypes of Schools \nThere is a wide array of schools available for higher education. Options include two- and four - year colleges and universities, vocational, trade, and career schools, online schools, and graduate schools. Different schools serve different purposes. Make sure you choose the type of school that helps you achieve your goals. Remember that financial assistance programs and requirements can vary from school to school. Plus , not all colleges and career schools participate in the federal student aid programs. Always check with a school to find out what financial aid is available there.  Assess Yourself \nUnderstanding your career goals and options and their earning potential will help you find a college or career school that meets your needs. The Career Search will help you match your skills and interests with potential careers.  Use the College Search Tool \nThe U.S. Department of Education s college search tool, College Navigator, is a way to find colleges and career schools that may fit your needs. You can search for schools by location, degrees offered, programs and majors, tuition and fees, setting, size, and much more. College Navigator allows you to compare schools, save your session, and export your results into a spreadsheet. ", "Check Out Schools (In Person or Remotely) \nTo help you narrow down your college or career school options , try the following : Check out the school s website. Lots of colleges and career schools offer virtual tours, so you can still see the campus, even if you can t visit in person. Attend college fairs. College fairs give you the chance to talk to representatives from multiple colleges and career schools. For instance , you can visit the National Association for College Admission Counseling college fairs. A great way to get a feel for a school is to contact the school and schedule a visit, preferably while classes are in session. Be sure to bring a list of questions to ask. If you re in high school , ask your school counselor what information he or she has about the schools that interest you. Visit your state higher education agency s website to learn more about colleges and universities in your state. Your education is a major investment, so find out as much information as you can before you enroll. And because each school may offer different financial aid packages , you should consider applying to more than one school. For more information about what you should be doing to get ready for college , use our checklists for help.  What should I consider when comparing schools? \nAs you research colleges and career schools , consider such factors as cost, location, accreditation, and more. To find the information listed on this page for a specific school , check the school s website or search for the school using the U.S. Department of Education s college search tool, College Navigator. ", "School Costs and Net Price \nSchool costs can be one of the most important factors in choosing potential colleges or career schools and costs can vary significantly from school to school. Learn about what is included in the cost of college and ways to reduce college costs. Any school that participates in the federal student aid programs is required to provide information on its cost of attendance and to offer a net price calculator on its website. Searching for a school s net price calculator is easy. This calculator will give you an idea of how much a program may cost after subtracting any financial aid. You can look up the cost and assess the value of colleges using the College Scorecard.  Financial Aid \nMany students worry that tuition and the other costs of continuing their education will be out of reach. But don t let the potential costs stop you. Most students receive some kind of financial aid , and a few students even get a free ride, with all their costs covered. You should learn about financial aid including grants, scholarships, work - study, and loans. Always apply for all types of aid for which you might qualify, and meet all deadlines! Creating and managing a budget is a way to keep track of your income and expenses and save for your goals.  Admission Requirements \nDifferent schools have different admission requirements. Learn exactly what a school requires by visiting its website or checking in with its admissions office. Many U.S. colleges require that students submit standardized test scores as part of their application packages. For most undergraduate programs , you ll have to take either the SAT or the ACT Test. ", "Accreditation \nAn accredited school meets certain standards set by an independent agency. It helps ensure the training or education you get meets employer standards in a specific field. If you attend a school that isn t accredited , you might not be able to get any financial aid. Use our accreditation search page to check a particular school s standards or to find an accredited school in a particular field or location. A diploma mill is an unaccredited school or a business claiming to be a school that awards a degree without requiring classwork that meets college - level standards. Some will send a diploma without you doing any work at all if you pay a fee. Others assign classwork that is so easy that your resulting degree is worthless, compared to a degree from an accredited school, and it won t help you get a good job. Learn more about diploma mills and how to avoid them.  Enrollment Contracts \nRead any school enrollment contract carefully before you sign it. The contract explains what the school will give you for your money. If a school representative promises you something such as help finding a job that s not in the contract , ask the representative to write that promise into the contract and have it signed and dated. A promise is usually not enforceable unless it s in writing.  Refund Policies \nFind out the school s tuition refund policy. If you enroll but never begin classes , you should get most of your money back. If you begin attending classes but leave before completing your course work , you might be able to get some of your money back. Also find out the school s return - of - aid policy. If you receive federal student aid except for Federal Work - Study and you withdraw from school , some of that money might have to be given back to the source by you or by your school. Even if you don t finish your course work , you ll have to repay the loan funds you received, minus any student loan funds your school has returned to the U.S. Department of Education. Learn more about repaying federal student loans. ", "Past Complaints and Reputation \nJust because a school participates in the federal student aid programs doesn t mean we ve endorsed the quality of education the school offers. To find out whether there have been any complaints about the school , contact your local Better Business Bureau, state higher education agency, or the consumer protection division of your state attorney general s office. Check with the agency that licenses or accredits the school to see whether it meets required standards.  Useful Statistics \nSome numbers can help you evaluate schools.", "Questions and Answers About FAFSA Completion Data \nBelow are questions we ve heard about the Completion by High School and Public School District\">data we provide on FAFSA completion by high school.  Basics \nMissing or Duplicate High Schools \nLow Completion Totals \nTechnical and Analytical \nBasics \nWhat is the source of data? \nThe source of the data is the U.S. Department of Education's Central Processing System.  What years of Free Application for Federal Student Aid (FAFSA) submission and completion data are available? \nFederal Student Aid releases data for the current 2018 19 cycle and provides a side - by - side comparison of the previous 2017 18 cycle. We also have an archive that contains data files from the 2017 18 cycle comparing it to the past 2016 17 cycle. Each file has the previous cycle data through the same date in the prior year as well as the 6-month and 12-month numbers for the previous cycle. Only numbers of submitted and completed FAFSA forms are available. No personally identifiable information for any FAFSA filer will be shared through this process. Email us at HSFAFSA@ed.gov if you see data that is inaccurate and/or you have suggestions for improvement. We welcome your input.  What is the difference between a submitted and a completed FAFSA form? \nSubmitted applications reflect all FAFSA forms submitted by students at that high school. These applications , however , can be subsequently rejected by the Central Processing System if they are missing key pieces of information. The applications that are not rejected are referred to as completed applications. Completed applications , therefore , are a subset of all submitted applications. If a FAFSA form is submitted but not complete , the student will receive an email from the Department of Education asking him or her to correct the FAFSA form. A completed FAFSA form is necessary to determine eligibility for federal student aid and often other forms of financial aid. ", "How often will the FAFSA submission data be updated? \nFrom October through June , data releases are weekly. For the remainder of the calendar year , data releases occur every other Friday. (For high schools to track their progress, Federal Student Aid regularly updates estimates for the first 12 months of an application cycle. As of the 2017 18 FAFSA cycle, this is extended to the first 15 months of the application cycle and will cover October of one year through December of the following year.)  Missing or Duplicate High Schools \nWhy isn't my high school listed in these data files? \nThere are two primary reasons that you may not see your school on the list. Your school will not appear on the report if there are fewer than five completed applications. Your school may appear on the report , but it may be listed under an alternative name. Since school names are inherently student - reported , the reported name can vary considerably. In aggregating the data , our standard practice is to report the school name that is most commonly reported by applicants. It is possible this name is different than your formal school name. As a result , it is important to look for other variations of your school name and city. You do not need to request to be added to the list. Once a high school shows at least five completed FAFSA forms , their submission and completion totals will appear in the database. ", "I cannot find my high school within the FAFSA form's high school search results. What could be causing this? How do I go about getting my school included? \nWith a few exceptions discussed below , most high schools should be contained in our database on the FAFSA form. If you can t find your school , double - check your spelling of the city and school name , and then try your search again. Also , consider alternate names or cities that may be used. Sometimes the official location of the school reported to us is a suburb within a larger city, or vice - versa. If after trying various possibilities you still cannot find your institution , you may still continue forward by clicking next. Despite being unable to find your school , the information you type in will still be captured and recorded, so be sure the spelling is correct. For public schools , our database should contain every high school in the nation, unless the school was opened, merged, or otherwise changed its name within the past year or two. If you fit into one of these categories , your school may not be listed within the current FAFSA form, but will be listed on future FAFSA forms. For private schools , our database contains every high school that has participated in the U.S. Department of Education's Private School Survey. Visit the National Center for Education Statistics if your private school would like more information. If your private school only recently participated in the survey , your school may not be listed within the current FAFSA form, but will be listed on future FAFSA forms. ", "Why do there appear to be duplicates of the same school? \nSince these school names are inherently student - reported , the reported name can vary considerably. In aggregating the data , our standard practice is to report the school name that is most commonly reported by applicants. However , when we are unable to determine if school name variations are referring to the same school , we err on the side of caution and do not aggregate the data to a single record and applicant count. In that instance , it may appear that there are duplicates of the same school. Email us at HSFAFSA@ed.gov if you believe your school has been listed more than once.  Low Completion Totals \nWhy is my number of FAFSA submissions or completions lower than I think it should be? \nWhile we know that many high schools inadvertently overestimate their FAFSA completion rates , one reason your rates may be lower than expected is because your school could be listed more than once. This happens if students entered your school name in different ways on the FAFSA form. For instance , if some students listed \" John Doe High School \" and other students listed \" Doe High School , \" then your high school could be listed in more than one place. Please look for alternate names for your school. Email us at HSFAFSA@ed.gov if you find your school has been listed more than once. ", "I am a high school counselor or college access professional. What resources do you have to help increase FAFSA completion totals? \nFederal Student Aid s Financial Aid Toolkit provides federal student aid information and outreach tools for counselors, college access professionals, nonprofit mentors, and others. The site helps counselors understand the basics of federal student aid, provides tips on hosting events along with sample PowerPoint presentations, provides suggested messages for social media and email outreach, and helps find other training opportunities.  I am a counselor at a high school with a lot of students age 20 or older. Why are my numbers so low? \nBecause there is no question on the FAFSA form that asks if an applicant is a high school senior , we must use several criteria to identify those applicants that are likely high school seniors. In this instance , the bulk of the students would likely not satisfy the age criteria requiring applicants to be less than 20 years of age at the cutoff date. Also , students must also be receiving their high school diploma, as opposed to a GED or other program, to fit this definition of a high school senior.  Technical and Analytical \nThe totals reported last year are different from the numbers reported now about last year. What is causing this? \nThere could be several causes for this, including the possibility that your institution is listed more than once in the data using alternate variations of the school's name or city. One other cause is a change we made in 2017 to our definition of a high school senior, which now aligns with other data we publicly release. In past years, we used proxies to determine whether an applicant was a first - time filer ; we now use true first - time filer status as one criterion for being a senior. While this impacts a relatively small number of applicants, if your total decreased compared to what we reported last year , then this may mean there were applicants that had applied in a previous year. ", "Can I add up all the submitted applications from a single state file to calculate a state total? What about adding up all the submitted applications from a single city? \nThe answer to both questions is no. The official location of a school or the location most commonly reported by students may actually be a suburb falling within a larger city's limits. For example , adding up all the applications reported under \" New York City \" would exclude any institutions reported being within \" Queens \" or even within \" Jamaica, \" a smaller neighborhood within the New York City Borough of Queens. Any analysis must also consider the impact of withholding the totals or names of schools with fewer than five completed applications. At its most basic level , summing the number of applications reported in these files always underestimates the number of applications. If an institution is reported as having \" <5 \" completed applications , one cannot assume there were zero applications. Further , the totals for some schools are never made public because their class sizes essentially preclude them from having enough completed applications to ever be disclosed publicly. Because this impacts some areas more than others , be sure to consider these and other factors when conducting any analyses.  Why do some districts appear in white on the maps? \nDistricts are listed as missing / insufficient data if any of the following conditions are true : The regulatory adjusted cohort graduation rate is missing e.g., if districts merged or a new district was created after 2009 10. A district has fewer than 15 students in the regulatory adjusted cohort graduation rate data. There s an unpredicted increase in the number of district graduating seniors e.g., a dramatic increase in the graduation rate, or if two districts merge under one district's name. A district has fewer than 10 projected graduates. A district has fewer than five completed FAFSA forms. The National Center Education Statistics Local Education Agency LEA code does not match the LEA code found in the Tiger / Line shapefile for the state.", "Dependent students must report their parents information, as well as their own, on the Free Application for Federal Student Aid (FAFSA) form. \nFind out who counts as your parent when you file your FAFSA form. If you are considered a dependent student for FAFSA purposes , you will need to provide information about your legal parent on the application. A legal parent is your biological or adoptive parent, or your legal parent as determined by the state for example, if the parent is listed on your birth certificate. If you have a stepparent currently married to your legal parent , you generally also must provide information about him or her. View text-only version  Who is my parent according to the FAFSA form? \nIf you need to report parent information , here are some guidelines to help you : If your legal parents your biological and/or adoptive parents, or parents as determined by the state [e.g., a parent listed on your birth certificate] are married to each other, answer the questions about both of them, regardless of whether your parents are of the same or opposite sex. If your legal parents are not married to each other and live together , answer the questions about both of them, regardless of whether your parents are of the same or opposite sex. If your legal parent is widowed or was never married , answer the questions about that parent.  What if my parents are divorced or separated? \nIn this case , how you fill out the FAFSA form depends on whether your parents live together or not. Keep the following in mind as you read this section : For FAFSA purposes , your married parents are separated if they are considered legally separated by a state, or if they are legally married but have chosen to live separate lives, including living in separate households, as though they were not married. When two married persons live as a married couple but are separated by physical distance or have separate households , they are considered married for FAFSA purposes. ", "Divorced or Separated Parents Who Do Not Live Together \nIf your parents are divorced or separated and don t live together , answer the questions about the parent with whom you lived more during the past 12 months. If you lived the same amount of time with each divorced or separated parent , give answers about the parent who provided more financial support during the past 12 months or during the most recent 12 months that you actually received support from a parent.  Divorced or Separated Parents Who Live Together \nIf your divorced parents live together, you ll indicate their marital status as Unmarried and both legal parents living together , \" and you will answer questions about both of them on the FAFSA form. If your separated parents live together, you ll indicate their marital status as Married or remarried \" NOT Divorced or separated \" , and you will answer questions about both of them on the FAFSA form.  What if I have a stepparent? \nIf you have a stepparent who is married to the legal parent whose information you re reporting , you must provide information about that stepparent as well. EXCEPTION : The FAFSA form asks about your parents education level. For these two questions , your parents are considered to be your birth parents or adoptive parents your stepparent is not your parent in these questions. Including your stepparent s information on the FAFSA form helps create an accurate picture of your family s total financial strength. ", "What if my stepparent is widowed? \nIf your stepparent was married to your parent but is now widowed , that stepparent doesn t count as a parent on your FAFSA form unless he or she has legally adopted you.  What if my parents are in a same-sex marriage? \nSame - sex couples must report their marital status as married if they were legally married in a state or other jurisdiction foreign country, without regard to where they live or where the student will be going to school. The FAFSA questions use gender - neutral terminology for married parents Parent 1 father / mother / stepparent \" and Parent 2 father / mother / stepparent \" instead of mother \" and father \". It does not matter which parent completes which set of questions.  What if I live with someone other than my parents? \nIt doesn t matter if you don t live with your parent or parents ; you still must report information about them. The following people are not your parents unless they have legally adopted you: grandparents, foster parents, legal guardians, older brothers or sisters, uncles or aunts, and widowed stepparents.  What kind of information must my parents provide for the FAFSA form? \nFor each parent , you ll report similar information to that you report for yourself: basic information about your parent s identity e.g., name, date of birth, and Social Security number if he or she has one; living situation e.g., marital status, state of residence, household size; and financial circumstances e.g., tax information, certain assets, certain untaxed income. Learn more about the types of information you and your parents will report on the FAFSA form. ", "What if I'm unable to provide parent information due to special circumstances? \nIn situations such as the ones below , you may be able to submit your FAFSA form without parent information despite being considered a dependent student : Your parents are incarcerated. You have left home due to an abusive family environment. You do not know where your parents are and are unable to contact them and you have not been adopted. You are older than 21 but not yet 24, are unaccompanied, and are either homeless or self - supporting and at risk of being homeless. If you are filling out the FAFSA form online or on the myStudentAid app , you will be asked whether you are able to provide information about your parents. If you are not , you will have the option to indicate that you have special circumstances that make you unable to get your parents information. You will then be able to submit your application without entering data about your parents. However , it is important for you to understand the following : Although your FAFSA form will be submitted , it will not be fully processed. You will not receive an Expected Family Contribution EFC and must immediately contact the financial aid office at the college or career school you plan to attend. The financial aid staff may ask for additional information to determine whether you can be considered independent and have an EFC calculated without parent data. Gather as much written evidence of your situation as you can. Written evidence may include court or law enforcement documents; letters from a clergy member, school counselor or social worker; and/or any other relevant data that explains your special circumstance. The financial aid office s decision about your dependency status is final and cannot be appealed to the U.S. Department of Education. ", "What if my parents are unwilling to provide their information on my FAFSA form? \nYou can t be considered independent of your parents just because they refuse to help you with the FAFSA form. Still , we do understand that in some cases, the parents are not supporting the dependent student at all and refuse to provide their information on the student s application. If you re in that situation , here s the process for filling out the FAFSA form online or on the myStudentAid app : When the FAFSA form asks you to provide information about your parents , select the I am unable to provide information about my parent option. If you are using the myStudentAid app, you will need to select the Learn more link when you get to the point in the app where it tells you that it looks like parent information is required to calculate your EFC. You will then be provided with an explanation of what s considered a special circumstance. After reading through the options , select the one that says you don t have a special circumstance but you still can t provide parent information. If you are using the myStudentAid app, you will need to select the option indicating that you d like to be considered for an unsubsidized loan. The application explains that if your parents don t support you and refuse to provide their information on the application, you may submit your FAFSA form without their information. However , you won t be able to get any federal student aid other than an unsubsidized loan and even that might not happen. The decision is up to the financial aid office at the college or career school you plan to attend. If you agree to this , you may submit your FAFSA form without parent information. Your FAFSA information will be sent to the colleges you list , but you won t get an EFC. You must immediately contact your school s financial aid office to discuss the possibility of getting an unsubsidized loan. The financial aid office may ask for a written statement from your parents, indicating that they refuse to provide their information on the FAFSA form and that they no longer support you. Forms of support include allowing you to live in their home, including you on their car or health insurance, providing a car to drive on a regular basis, and payment of your tuition or fees. The financial aid office will look at your situation and decide whether you may receive an unsubsidized loan. That decision is final and cannot be appealed to the U.S. Department of Education. If you re considering following this process, think about this first : If you submit your FAFSA form without parent information, you will not receive an EFC. Some state- or school - based aid programs look at the EFC in order to determine your eligibility for their funds ; because you won t have an EFC, you won t be considered for those aid programs. You could be giving up a chance at many sources of aid. So encourage your parents to provide their information doing so won t require them to support you in any way , it ll just help you be considered for as many sources of financial aid as possible. ", "What if my parents are concerned about providing their information because of their citizenship status? \nYour parents citizenship status does not affect your eligibility for federal student aid. In fact , the FAFSA form doesn t even ask about your parents status.  How should we report information about my noncitizen parents on my FAFSA form? \nHere are some tips for students with noncitizen parents : If your parent does not have a Social Security number SSN , you should enter all zeroes for him or her on the FAFSA form where it asks for that information. Do NOT enter a Taxpayer Identification Number in the SSN field. If your parent doesn t have an SSN , he or she won t be able to create an FSA ID which requires an SSN and therefore won t be able to sign your FAFSA form electronically either online or via the myStudentAid app. From the online form you can t print a signature page from the app , you ll need to select the option to print a signature page when you get to the end of the application. Print the page, have your parent sign it, and then mail it to the address indicated so that your FAFSA form can be processed. If your parent doesn't live in the U.S. , select \" Foreign Country \" from the dropdown box for the question that asks about the parents' state of legal residence. If your parents live and file taxes in a foreign country and don t file U.S. taxes , you ll have the opportunity to indicate that they have filed their taxes. Then , when the FAFSA form asks whether your parents filed a Puerto Rican or foreign tax return , you should select Yes. \" Convert the amounts on the foreign tax return into U.S. dollars as directed by the FAFSA help and hints. If your parents live in one of the Freely Associated States , they should enter the Amount of Wages Earned from their Freely Associated States tax form in the field where the FAFSA form asks for adjusted gross income. If your parent doesn t file taxes at all , select Not going to file \" for the question that asks whether the parent have filed taxes. Then you ll be asked for information about how much your parent earned from work, rather than being asked for information about specific items on the tax form.", "Find and apply for as many scholarships as you can it s free money for college or career school! \nStart researching early, and meet deadlines , and you may be on your way to scholarship success. Scholarships are gifts. They don't need to be repaid. There are thousands of them, offered by schools, employers, individuals, private companies, nonprofits, communities, religious groups, and professional and social organizations.  What kinds of scholarships are available? \nSome scholarships for college are merit - based. You earn them by meeting or exceeding certain standards set by the scholarship - giver. Merit scholarships might be awarded based on academic achievement or on a combination of academics and a special talent, trait, or interest. Other scholarships are based on financial need. Many scholarships are geared toward particular groups of people ; for instance, there are scholarships for women or graduate students. And some are available because of where you or your parent work, or because you come from a certain background for instance, there are scholarships for military families. A scholarship might cover the entire cost of your tuition , or it might be a one - time award of a few hundred dollars. Either way , it s worth applying for, because it ll help reduce the cost of your education.  How do I find scholarships? \nYou can learn about scholarships in several ways, including contacting the financial aid office at the school you plan to attend and checking information in a public library or online. But be careful. Make sure scholarship information and offers you receive are legitimate; and remember that you don't have to pay to find scholarships or other financial aid. Check out our information on how to avoid scams. Try these free sources of information about scholarships : the financial aid office at a college or career school a high school or TRIO counselor the U.S. Department of Labor s FREE scholarship search tool your state grant agency your library s reference section foundations , religious or community organizations , local businesses , or civic groups organizations including professional associations related to your field of interest ethnicity-based organizations your employer or your parents employers ", "When do I apply for scholarships? \nThat depends on each scholarship s deadline. Some deadlines are as early as a year before college starts , so if you re in high school now, you should be researching and applying for scholarships during the summer between your junior and senior years. But if you ve missed that window , don t give up! Look at scholarship information to see which ones you can still apply for now.  How do I apply for scholarships? \nEach scholarship has its own requirements. The scholarship s website should give you an idea of who qualifies for the scholarship and how to apply. Make sure you read the application carefully, fill it out completely, and meet the application deadline.  How do I get my scholarship money? \nThat depends on the scholarship. The money might go directly to your college, where it will be applied to any tuition, fees, or other amounts you owe, and then any leftover funds given to you. Or it might be sent directly to you in a check. The scholarship provider should tell you what to expect when it informs you that you ve been awarded the scholarship. If not , make sure to ask.  How does a scholarship affect my other student aid? \nA scholarship will affect your other student aid because all your student aid added together can t be more than your cost of attendance at your college or career school. So , you ll need to let your school know if you ve been awarded a scholarship so that the financial aid office can subtract that amount from your cost of attendance and from certain other aid, such as loans, that you might have been offered. Then , any amount left can be covered by other financial aid for which you re eligible. Questions? Ask your financial aid office.", "Are you a federal student loan borrower? Are you confused about the student loan repayment process? \nDon t let the student loan repayment process overwhelm you. Use this checklist to help you manage and repay your federal student loans. Be an informed borrower by learning about your loans and what to do for a smooth repayment experience. As you work through this checklist , you ll find out how to make payments and figure out which repayment plan is best for you ; and you ll know what to do if you re having trouble making payments or think you might be eligible for loan forgiveness. Remember : You never have to pay for help with your student loans!  Before You Graduate or Leave School \nReview your federal student loan history. Get your loan history by logging in to \" My Federal Student Aid \" you ll need to create an FSA ID if you don t already have one. As you review your information , note the following : The current loan balance and interest rate for each loan The loan type depending on when you went to school and what loan programs your school participated in, you may have loans from different federal student loan programs; the types of loans you received can affect what benefits are available to you The name of the loan servicer for each loan a loan servicer is a company that handles the billing and other services on your loans; generally, you ll have one servicer for all your federal student loans, but there is a chance you could have more than one Get to know your loan servicer. Your servicer helps you with your student loans for FREE! It s important that you know who your loan servicer is and how to contact them because you will eventually be making your loan payments to your servicer. Take this opportunity to save your servicer s phone number in your phone. Create an online account on your servicer s website. You can find the most detailed and up - to - date information about your loans, make your payments, and manage your loans for example, change repayment plans or apply for a deferment on your loan servicer s website. When you create your account , be sure your contact information is correct. Complete mandatory exit counseling. All federal student loan borrowers must complete exit counseling. Exit counseling provides important information you need to help you prepare for repayment of your loans. Check with your school to find out how they want you to complete exit counseling. Schools have different requirements. If you can afford it , make loan payments while you re in school, especially if your loans are accruing interest. Making payments early can reduce the interest you pay and the cost of your loan over time. ", "After You Graduate or Leave School \nKnow when you have to start making payments. For most loans , you ll have six months or nine months for Federal Perkins Loans after you graduate, leave school, or drop below half - time enrollment before you must begin making your loan payments. Take this time to make a plan for repayment. Create a budget. Create a budget to determine how much you can realistically afford to pay monthly toward your student loans. Get help creating a budget. Consider loan consolidation. A Direct Consolidation Loan allows you to combine all of your federal student loans into one loan with one monthly payment. Loan consolidation can be helpful if you have multiple servicers, loans from the Federal Family Education Loan FFEL Program, or Federal Perkins Loans. Loan consolidation can increase your chances of qualifying for an affordable repayment plan and loan forgiveness options , but it may not be the best option for you. Learn more about loan consolidation. Set a goal for repayment. After you know how much you can afford to pay each month , set a goal for repaying your loans. To begin setting your goal , ask and answer this question: Do I want to repay my loans quickly, or do I want to pay as little as possible per month? You can t choose both options. Any time you lower your payment , you ll be in repayment for a longer time and you ll pay more interest on your loans. If your financial situation changes , you can change your repayment plan at any time. If you have questions about your loan repayment options or the process , contact your loan servicer. Select an affordable repayment plan. Now that you ve set a goal for repayment , you can find a repayment plan that fits your goal using Loan Simulator. If you want to pay your loans off quickly and you can afford to do it , select the Standard Repayment Plan. Unless you consolidate , your loans will be paid off after 10 years of payments. If you want to have the lowest monthly payment or can t afford to make payments under the Standard Repayment Plan , select an income - driven repayment plan. These plans set your payment at a percentage of your income , will usually have a lower monthly payment than other plans , and can have payments as low as $0 per month. With these plans , you ll be in repayment for up to 20 or 25 years. If your loans are not repaid in full after 20 or 25 years , the remaining balance will be forgiven. Learn more about income - driven repayment plans. If you don t select a specific repayment plan , your loan will be put on the Standard Repayment Plan. You can switch to a different plan at any time by contacting your loan servicer. Know whether you are eligible for loan forgiveness based on your employer or your job. Public Service Loan Forgiveness PSLF Program : You may qualify for this loan forgiveness program if you are employed by a government or a not - for - profit organization. You must make 120 qualifying payments under an income - driven plan to qualify. Learn more about PSLF. Teacher Loan Forgiveness Program : You may qualify for this program if you a teach full - time for five complete and consecutive academic years in certain elementary and secondary schools and educational service agencies that serve low - income families, and b meet other qualifications. Get the details of the Teacher Loan Forgiveness TLF Program. Find out more about forgiveness, cancellation, and discharge. Teachers! You may qualify for both forgiveness programs PSLF and TLF but not for the same time period. ", "When It s Time to Start Making Payments \nMake on - time payments to your loan servicer. Your loan servicer will provide you with a loan repayment schedule that tells you when your first payment is due, the number and frequency of payments, and the amount of each payment. Contact your loan servicer if you haven t received this information. Make repayment simple and save on interest enroll in automatic debit. Once you enroll , your payments will be automatically taken from your bank account each month. This will help you to stay on track with your payments , and as an added bonus, you may get a 0.25% interest rate deduction if you have Direct Loans. Check your servicer s website for details. Know your options if you can t make your loan payment. If you don t pay the full amount due on time or if you start missing payments even one your loan will be considered delinquent , and late fees may be charged to you. If you can t make your payments , contact your loan servicer immediately for help. Your servicer can offer you temporary or long - term options, such as changing repayment plans, deferment, forbearance, or loan consolidation. Get details about what to do if you are having trouble making your payments. Reduce your federal income taxes. You may be eligible to deduct a portion of the student loan interest you paid on your federal tax return. Student loan interest payments are reported both to the IRS and to you on IRS Form 1098-E, Student Loan Interest Statement. Check with the IRS or a tax advisor to see if you qualify for this deduction.", "If you re totally and permanently disabled, you may qualify for a discharge of your federal student loans and/or Teacher Education Assistance for College and Higher Education (TEACH) Grant service obligation. \nA total and permanent disability TPD discharge relieves you from having to repay a William D. Ford Federal Direct Loan Direct Loan Program loan, a Federal Family Education Loan FFEL Program loan, and/or a Federal Perkins Loan or to complete a TEACH Grant service obligation. To qualify for a TPD discharge , you must complete and submit a TPD discharge application, along with documentation showing that you meet our requirements for being considered totally and permanently disabled, to Nelnet, the servicer that assists the U.S. Department of Education with the TPD discharge process. Note: Throughout this page , the words \" we, \" \" our, \" and \" us \" refer to the U.S. Department of Education.  How do I show that I qualify for a TPD discharge? \nYou can show that you qualify for a TPD discharge by providing documentation from one of three sources : the U.S. Department of Veterans Affairs VA the Social Security Administration SSA a physician There are specific requirements for each type of supporting documentation that you can submit to show your eligibility.  VA Documentation \nIf you re a veteran , you can qualify for a TPD discharge by providing documentation from the VA that shows you have received a VA disability determination because you 1 have a service - connected disability that is 100 percent disabling; or 2 are totally disabled based on an individual unemployability rating. ", "SSA Documentation \nIf you re eligible for Social Security Disability Insurance or Supplemental Security Income , you can qualify for a TPD discharge if you provide a copy of your SSA notice of award or Benefits Planning Query showing that your next scheduled disability review will be five to seven years or more from the date of your last SSA disability determination. We work with the VA and the SSA to identify those who qualify for a discharge based on their status with the VA or the SSA. If we receive information from the appropriate agency indicating that you qualify for a TPD discharge , we ll send you a letter notifying you of your eligibility for discharge, along with a TPD discharge application. If you want to apply for a TPD discharge , all you need to do is complete and submit the discharge application, without having to provide any additional documentation of your eligibility for discharge.  Physician s Certification \nYou also can qualify for a TPD discharge by having a physician certify on the TPD discharge application that you are unable to engage in any substantial gainful activity due to a physical or mental impairment that can be expected to result in death ; has lasted for a continuous period of at least 60 months ; or can be expected to last for a continuous period of at least 60 months. Substantial gainful activity is a level of work performed for pay or profit that involves doing significant physical or mental activities, or a combination of both. The physician who certifies your TPD discharge application must be a doctor of medicine M.D. or doctor of osteopathy / osteopathic medicine D.O. who is licensed to practice in the United States. ", "How do I apply for a TPD discharge? \nYou need to complete a TPD discharge application and send it, along with any required documentation of your eligibility for discharge, to Nelnet, the TPD discharge servicer. The TPD discharge application applies to all of your federal student loans and TEACH Grant service obligations. Nelnet assists us in administering the TPD discharge process and communicates with borrowers and TEACH Grant recipients on our behalf concerning TPD discharge requests. To learn more about applying for a TPD discharge and to obtain a TPD discharge application , visit our TPD Discharge website at disabilitydischarge.com and select \" Application Process. \" You can let Nelnet know that you want to apply and request a TPD discharge application by phone or email. If you do , any required payments on your federal student loans will stop for 120 days to give you time to submit your application and any required supporting documentation. You can contact Nelnet by email at disabilityinformation@nelnet.net and by phone at 1 - 888 - 303 - 7818 Monday Friday from 7 a.m. 2 a.m. Eastern time ET, and Saturday from 8 a.m. 7 p.m. ET. For additional ways to contact Nelnet, and to get more information about applying for a TPD discharge , visit our TPD discharge website.  Can a representative apply on my behalf and help me throughout the TPD discharge process? \nYes , you can designate an individual or organization to complete and submit your TPD discharge application on your behalf, and assist you throughout the discharge process. To designate a representative , you and your representative must complete an Applicant Representative Designation form. Nelnet must receive and process this form before working with your representative. You must submit this form even if your representative already has a power of attorney to act on your behalf in other matters. To download the Applicant Representative Designation form , visit the TPD Discharge website at disabilitydischarge.com and select Forms. ", "What happens after I submit a TPD discharge application? \nAfter your application is received , Nelnet will explain the process for the review of your application. You won't be required to make any payments on your loans while your discharge application is being reviewed.  What happens if my TPD discharge request is approved? \nThis depends on the type of documentation you submitted to show us that you qualified for a TPD discharge.  VA Documentation \nIf we determine that you are totally and permanently disabled based on documentation from the VA , Nelnet will that your loans and/or TEACH Grant service obligation have been discharged notify you and instruct your loan holders to return any loan payments received on or after the effective date of the VA s disability determination to the person who made the payments.  SSA Documentation or Physician's Certification \nIf we determine that you are totally and permanently disabled based on SSA documentation or a physician's certification , Nelnet will notify you that your loans and/or TEACH Grant service obligation have been discharged ; instruct your loan holders to return any loan payments received after the date Nelnet received the SSA documentation or the date the physician certified your discharge application to the person who made the payments ; and notify you that you will be subject to a three - year postdischarge monitoring period that begins on the date the discharge is approved, and that your obligation to repay your loans or complete your TEACH Grant service obligation will be reinstated if you don t meet certain requirements at any time during this monitoring period. ", "What requirements do I have to meet during the three-year postdischarge monitoring period? \nYour obligation to repay your loans or complete your TEACH Grant service obligation will be reinstated if, at any time during the three - year postdischarge monitoring period, you receive annual earnings from employment that exceed the poverty guideline amount for a family of two in your state, regardless of your actual family size ; a new federal student loan under the Direct Loan Program or a new TEACH Grant ; another disbursement payment of a Direct Loan or a TEACH Grant that was first disbursed paid out before your discharge was approved , and the new disbursement has not been returned to the loan holder or for a TEACH Grant to us within 120 days of the disbursement date ; or a notice from the SSA stating that you are no longer disabled , or that your next scheduled disability review will no longer be five to seven years from the date of your last SSA disability determination. Note: During the postdischarge monitoring period , Nelnet will require you to submit documentation of your annual earnings from employment on a form that Nelnet will provide. If you don't submit this form with the required documentation of your income , your obligation to repay your loans or complete your TEACH Grant service obligation will be reinstated. The poverty guideline amounts are updated annually by the Department of Health and Human Services. Nelnet will notify you of the current poverty guideline amounts during each year of the postdischarge monitoring period. For detailed information regarding the three - year postdischarge monitoring period requirements , visit the TPD Discharge website at disabilitydischarge.com and select Monitoring Period. If you're a veteran whose TPD discharge application is approved based on documentation from the VA , you aren't subject to a postdischarge monitoring period. ", "What happens if my obligation to repay my loans or satisfy my TEACH Grant service obligation is reinstated? \nYou will again be responsible for repaying your loans in accordance with the terms of the promissory note that you signed, or satisfying your TEACH Grant service obligation in accordance with the terms of the TEACH Grant Agreement to Serve that you completed. If you applied for a discharge of loans , your loans will be returned to the status they were in before you applied for discharge. This means that if a loan was in default before you applied for a TPD discharge, it will be returned to default status. If your obligation to repay your loans or complete your TEACH Grant service obligation is reinstated , Nelnet will explain the reason for the reinstatement and provide information about what you can do if you have questions about the reinstatement or if you believe the reinstatement was based on incorrect information.  What happens if my TPD discharge request is denied? \nIf we determine that you don t qualify for a TPD discharge , Nelnet will notify you of the reason for the denial of your discharge application ; explain that you may ask us to reevaluate your discharge application if you provide new information that supports your eligibility for discharge within 12 months of the date you are notified that your discharge application has been denied ; explain that if you don t request reevaluation of your discharge application within 12 months of the date you re notified that your discharge application has been denied, and you still want us to reevaluate your eligibility, you must submit a new TPD discharge application with new information about your disabling condition that was not provided with your prior discharge application ; explain that you re again responsible for repaying your loans, and that your loan holder will notify you when your first payment is due ; and explain that if you applied for a discharge of a TEACH Grant service obligation, you re again responsible for meeting the terms and conditions of the service obligation. ", "I received a TPD discharge but want to go back to school. Can I take out more student loans or TEACH Grants? \nYes , but with some conditions. If you received a TPD discharge based on VA documentation, SSA documentation, or a physician s certification , you must give your school a letter from a physician stating that you are once again able to engage in substantial gainful activity , and sign a statement acknowledging that you can't get a TPD discharge of the new loan or TEACH Grant based on a disabling condition that already exists when you receive the new loan or TEACH Grant, unless that condition substantially deteriorates in the future. If you received a TPD discharge based on SSA documentation or a physician s certification and your three - year postdischarge period hasn t ended , you must also resume repayment on your previously discharged loans or acknowledge that you are once again responsible for meeting the terms and conditions of your TEACH Grant service obligation.  If my loan is discharged due to TPD, do I have to pay taxes on the discharged loan amount? \nBecause of a change in federal law related to the taxability of loan amounts discharged due to TPD , the answer depends on when you received the discharge. If you received a TPD discharge of a loan before Jan. 1 , 2018 , the loan amount discharged may be considered income for federal tax purposes under Internal Revenue Service IRS rules. If you received a TPD discharge of a loan during the period from Jan. 1 , 2018 to Dec. 31 , 2025 , the discharged loan amount won t be considered income for federal tax purposes. For purposes of determining whether a loan amount discharged due to TPD may be treated as taxable income for federal tax purposes , the date you are considered to have received the discharge is different depending on how you qualified for the discharge. If you re a veteran who showed that you re totally and permanently disabled based on a disability determination by the VA , you re considered to have received the discharge for federal tax purposes on the date we approve the discharge. If you showed that you re totally and permanently disabled based on documentation from the SSA or a physician s certification meaning that you re subject to a three - year postdischarge monitoring period , you re considered to have received the discharge for federal tax purposes at the end of the postdischarge monitoring period. For example , if your discharge was approved in July 2017 , you would not be considered to have received the discharge for federal tax purposes until July 2020, at the end of the three - year postdischarge monitoring period. Therefore , the IRS would not consider the discharged loan amount to be taxable income for federal tax purposes. If you receive a Form 1099-C, you should keep the form for your records , but you do not need to include it when filing your federal tax return. For additional information , visit irs.gov. Loan amounts discharged due to TPD may still be considered income for state tax purposes. If you receive a TPD discharge of a federal student loan , you may want to consult with your state tax office or a tax professional before you file your state tax return. ", "Where can I find more information about TPD discharge? \nFor more detailed information about TPD discharge , visit the TPD discharge website at disabilitydischarge.com.", "There are steps you can take to repay your federal student loan successfully and avoid going into default. \nUnderstanding your loan agreement , staying on top of your loan information , and making sure to contact your loan servicer if you are having trouble making payments can help you avoid default. If you don t make a payment on time or if you miss making a payment , your loan is delinquent and late fees may be assessed. Even if you are delinquent on your loan, you may still be able to avoid default , so it s important that you contact your loan servicer immediately.  Take Steps to Avoid Default \nAvoid default. Take the time to fully understand your loan agreement and the types of loans you are receiving. It s also important that you not borrow more than you need or more than you expect to be able to repay. Develop a sound and realistic financial plan. If your federal student loan is delinquent , check out the Student Loan Debt Collection Assistant, which the U.S. Department of Education developed in partnership with the Consumer Financial Protection Bureau. The tool provides information about how to access the full range of special repayment options available to you.  Understand Your Loan and Loan Agreement \nUnderstand the type of aid you are receiving. Loans, unlike most grants, scholarships, or work - study funds, must be repaid. Know the type of loan you are receiving. Understand the costs of getting the loan, the interest rate, and the repayment terms for the loan. Read Know Before You Owe from the Consumer Financial Protection Bureau. Read your promissory note. It is a legal document. Signing a promissory note means you agree to repay the loan according to the terms of the note. You must repay all the loans you receive, even if you don t complete your education. ", "Manage Your Borrowing \nBorrow only what you need to pay for your college expenses. Create a budget to determine how much you really need to borrow. Contact your school s financial aid office to request a lower loan amount instead of borrowing the maximum amount you might be eligible to receive. Complete Financial Awareness Counseling.  Track Your Loans Online \nFind information about all of your federal student loans from the U.S. Department of Education by logging in to \" My Federal Student Aid . \"  Keep Good Records \nKeep the following important documents in an organized file : Financial aid offers Loan counseling materials entrance counseling and exit counseling Your promissory note(s) Amount of all student loans you borrow Account number for each student loan you receive Loan servicer contact information Loan disclosure(s) Payment schedules Record of your monthly payments Notes about any questions you ask about your student loan, the answers, and the name of the person to whom you spoke Deferment or forbearance paperwork and notes of any phone calls to the loan servicer that you paid your loan in full Documentation  Notify Your Loan Servicer \nTell your loan servicer when you need help making your monthly payments ; graduate; withdraw from school; drop below half - time enrollment status at school ; change your name, address, or Social Security number ; transfer to another school ; or experience a change in your life that might impact your loan payments. ", "What if I can t make my monthly payment? \nIf you are having trouble making your monthly payments , contact your loan servicer immediately. Your loan servicer can help you understand your options. You may be able to switch repayment plans to get a lower monthly payment , consider an income - driven repayment plan , change your payment due date , or get a deferment or forbearance. NEVER ignore delinquency or default notices from your loan servicer.  Consider Simplifying Repayment with Consolidation \nYou might wish to combine your multiple federal student loans into a single Direct Consolidation Loan to simplify repayment. There may be tradeoffs, so understand the advantages and possible disadvantages of consolidation before you apply.", "Student Loan Repayment \nBefore repayment begins , develop a plan that puts you on track to pay back your loan on time and in full. Understanding the details of repayment on your federal student loan can save you time and money. Find out what repayment plan options are available , when you must begin making payments , how to make your payment , how to pay your loan off faster , and what to do if you have trouble making payments.  I need more information about my loan servicer. \nFind out who services your federal student loan. Try This Resource Federal Student Loans: Repaying Your Loans Provides information about federal student loan repayment plan options, finding loan history and loan servicers, and making payments.  I need more information about the types of repayment plans available. \nLearn more about Repayment Plans. When You Must Begin Payments The Grace Period Making Payments Having Your Student Loan Forgiven REMEMBER : Your federal student loans can t be canceled or forgiven because you didn t get the education or job you expected or you didn t complete your education unless you couldn t complete your education because your school closed.  When You Must Begin Payments \nOnce you graduate , drop below half - time enrollment , or leave school , your federal student loan goes into repayment. However , if you have a Direct Subsidized, Direct Unsubsidized, or Federal Family Education Loan , you have a six - month grace period before you are required to start making regular payments. You ll have a nine - month grace period if you ve got a Perkins Loan. (Got a PLUS loan? You ll go into repayment as soon as the loan is fully disbursed which means once it s paid out. But if you re a graduate and professional student PLUS borrower, you will be placed on an automatic deferment while in school and for six months after graduating, leaving school, or dropping below half-time enrollment.) Note: When your loan enters repayment , your servicer will automatically place you on the Standard Repayment Plan. You can request a different repayment plan at any time. You can make prepayments on your loan while you are in school or during your grace period. Be aware, however, that any prepayment you make will not count as a qualifying payment in any loan forgiveness programs. Your loan servicer will provide you with a loan repayment schedule that states when your first payment is due, the number and frequency of payments, and the amount of each payment. Your billing statement will tell you how much to pay. Your monthly payment amount depends on your repayment plan. If you signed up for electronic communication , pay attention to your email. Most loan servicers send an email when your billing statement is ready for you to access online. ", "The Grace Period \nFor most federal student loan types , after you graduate , leave school , or drop below half - time enrollment , you have a six - month grace period sometimes nine months for Perkins Loans before you must begin making payments. This grace period gives you time to get financially settled and to select your repayment plan. Not all federal student loans have a grace period. Note that for most loans, interest accrues during your grace period. You can choose to pay the interest that accrues during your grace period. This prevents that interest from being added to the principal balance also known as interest capitalization.  Loans and Their Grace Periods \nReview this list to find out whether your loan has a grace period. Direct Subsidized Loans and Direct Unsubsidized Loans have a six - month grace period before payments are due. PLUS loans do not have a grace period ; but if you received a PLUS loan as a graduate or professional student, you ll automatically get a six - month deferment after you graduate, leave school, or drop below half - time enrollment. No payments are required during this six - month deferment period. If you re a parent borrower who took out a PLUS loan to pay for your child s education , you can request a six - month deferment after your child graduates, leaves school, or drops below half - time enrollment. Contact your loan servicer for more information. If you received a Federal Perkins Loan , check with the school where you received your loan. ", "Circumstances That May Affect Your Grace Period \nCertain situations that may affect your grace period include the following : Active duty military If you are called to active military duty for more than 30 days before the end of your grace period , you will receive the full six - month grace period when you return from active duty. Returning to school before the end of your loan s grace period If you reenroll in school at least half - time before the end of your grace period , you will receive the full six - month grace period when you stop attending school or drop below half - time enrollment. Loan consolidation If you consolidate your loans during your grace period , you give up the remainder of your grace period and begin repayment after your Direct Consolidation Loan is processed unless you request to have the processing of your consolidation loan delayed until closer to the end of your grace period.  Making Payments \nThe U.S. Department of Education ED uses several loan servicers to handle the billing and other services on loans for the William D. Ford Federal Direct Loan Direct Loan Program and for loans that were made under the Federal Family Education Loan FFEL Program and that ED later purchased. Your loan servicer will set you up under the Standard Repayment Plan unless you tell your loan servicer you want a different repayment plan. If you schedule an automatic monthly electronic debit of your loan payment from your checking or savings account , you receive a 0.25% interest rate deduction on Direct Loans. Contact your loan servicer for more information. To make a payment by postal mail , contact your loan servicer for the mailing address. To discuss repayment plan options or change your repayment plan , contact your loan servicer. First , though , you can use our Loan Simulator to get an early look at which plans you may be eligible for and see estimates for how much you would pay monthly and overall. ", "I want to get ahead by paying extra each month. \nYou can make payments before they are due or pay more than the amount due each month. Paying a little extra each month can reduce the interest you pay and reduce the total cost of your loan over time. Contact your loan servicer to discuss these options.  I m having trouble making my loan payment. \nContact your loan servicer as soon as possible. You may be able to change your repayment plan to one that lowers your monthly payment and, in some cases, may be based on your income. You can also ask your loan servicer about your options for a deferment or forbearance or loan consolidation. Trouble Making Your Federal Student Loan Payments? provides information on what to do if you are having difficulty making your student loan payments.  I ve missed one or more loan payments. \nStay in touch with your loan servicer especially if you are struggling to make payments on your loans. Your loan servicer will explain your repayment options, such as applying for an income - driven repayment plan or a forbearance or deferment, to help you stay on track or get back on track when you fall behind. One thing you definitely want to avoid is going into default! This occurs when you are at least nine months past due on your student loan. The consequences of default include damage to your credit rating and future borrowing ability. They may also include garnishment of your wages and withholding of your tax refunds. If you can t make payments , contact your loan servicer to find out your options. ", "Having Your Student Loan Forgiven \nYou are generally required to repay your student loan , but in certain situations, your loan may be forgiven, canceled, or discharged."]}