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PROGRAMS
AND SERVICES

In addition to the services listed below, we also offer:
Monday through
Friday:
Ride to Livermore VAMC
(Reservation a must) Departs at 7:15 AM
Wednesdays:
EDD Job Representative 1:30PM -
(varies)
We offer the following services:
Compensation
This benefit is to compensate a veteran for a disability incurred or
aggravated while in military service.
- No time limit to file the initial claim,
but best time is day of release from active duty.
- Other income is not a factor.
- Once rated, it can be reopened for
increased rating with supporting medical evidence.

Dependency
and Indemnity Compensation (DIC)
This benefit is to compensate a dependent survivor for the death of a
serviceman while on active duty and the death of a veteran whose death is
rated service connected by VA.
- Other income is not a factor.

Pension
and Death Pension
This benefit is for limited income, permanently and totally disabled
veterans who have war time service, an honorable discharge, and at least
90 days service, unless released early for a service connected condition.
Death Pension
-
This benefit is for
eligible surviving dependents of veterans with honorable wartime
service.
-
The survivor does not need
to be disabled, but net worth and income are considered since it is
based on need.
-
Annual Verification of
Eligibility is required.

Parents
Dependency and Indemnity Compensation (DIC)
Basically same criteria as DIC, except income is a factor.
- This benefit is based on need.

Dependent
Allowances
Some benefits provide an additional allowance for dependents. We can help
you make the claim, and may be able to obtain the supporting documents
free of charge.

Housebound
and Aid and Attendance Allowance
Some benefits allow increased monthly payments under this provision.
- SSI and HSA may not count this additional
money.

Un-reimbursed
Medical Expenses
Some benefits based on need allow offsetting other income by the
un-reimbursed medical cost.

STATE VETERANS
HOMES
Presently the state of California operates three Veterans Homes –
Yountville, Barstow, and Chula Vista. The
first veterans home, Yountville was founded in 1884 to serve the needs of
veterans of the Civil War. Today there are three campuses operating with
plans for additional sites in the future. The mission of the homes is to
provide long term residential care for veterans of all wars in an
environment which:
Maintains Good Health and vitality
Reduces incidences and severity of disabilities
Increases social interaction
Promotes self reliance and self worth
ELIGIBILITY REQUIREMENTS:
Wartime Veteran Honorably Discharged
California Resident
Over 62 or Disabled
THE VETERANS HOME OF CALIFORNIA -
Yountville
The
Veterans Home of California, Yountville is a community of and for veterans
located in the heart of scenic Napa Valley. The home provides residential
accommodations and a wealth of recreational, social and therapeutic
activities for independent living; plus the added security of five levels of
nursing and medical care. Some 1,200 Veterans (both men and women) live at
the Home, and the residential capacity will be increased to 1,600 on
completion of our $100 Million renovation program. Veterans desiring to be
considered for membership must be residents of California, age 62 or older
(or younger if disabled), and have served honorably.
Veterans
interested in information on the Veterans Home can call (800) 404-8387 or
write to:
Veterans
Home of California
Attn: Communication and Development
P.O. Box 1200
Yountville, CA 94599
THE VETERANS HOME OF CALIFORNIA -
Barstow
The
Veterans Home of California, Barstow, is located in the high desert of
Southern California, off Interstate 15, midway between Los Angeles and Las
Vegas. This state-of-the-art home, which opened in February, 1996, has the
capability to care for 400 elderly or disabled California veterans.
The
Veterans Home provides California veterans with a living environment that
protects their dignity and contributes to their feeling of self-reliance and
self-worth. Many cultural and educational opportunities are available at the
adjacent Barstow College campus. In addition, the Big Bear Lake area is only
1 1/2 hours distant.
The
city of Barstow, with 22,000 residents, has a "home town"
atmosphere and is only an hour from the Ontario Airport. Southern California
beaches and recreational opportunities are within convenient driving
distance.
Veterans
seeking admission should call 1-800-746-0606 or write to:
Veterans Home of California, Barstow
Attn: Admissions
100 E. Veterans Parkway
Barstow, CA 92311
THE VETERANS HOME OF CALIFORNIA – Chula Vista
Located
on a 30-acre site adjacent to Sharp Chula Vista Medical Center off Telegraph
Canyon Road, the Veterans Home of California (VHC) Chula Vista is only the
third state veterans home in the Golden State and the first located in a
coastal, urban Southern California setting.
VHC-Chula
Vista is a 400-bed long-term residential and nursing care facility providing
options for independent living and intermediate and skilled nursing.
Completed in May 2000, VHC-CV employs 258, has a $13 million payroll and
contracts locally for a variety of supplies and services such as food and
maintenance.
A
two-year study by the Governor’s Commission on a Southern California Home
resulted in a unanimous recommendation in favor of the Chula Vista location.
In selecting Chula Vista, the commission highlighted the proximity to the
area’s acute health care facilities; wide range of commercial,
recreational and cultural services that will be available to residents of
the facility; and the magnitude of community support.
Veterans
seeking admission should call 1 (888) 857-2146 or write to:
Veterans Home of California, Chula Vista
Attn: Admissions
700 East Naples Court
Chula Vista, CA 91911

Vocational
Rehabilitation
Vocational Rehabilitation is a program
of services for service members and veterans with service-connected
physical or mental disabilities. Often, these individuals experience
limitations in getting and keeping a job as well as in their daily living
activities. This program can:
-
Prepare you for a suitable
job
-
Help you get and keep that
job
-
Assist you to become fully
productive and independent
Some of the services and benefits which VA
can provide include:
- Evaluation of your abilities and skills
- Educational, vocational, and personal
counseling
- Education and training to qualify you
for suitable employment
- Financial assistance while you are
training
- Special help, such as:
- Tutoring assistance
- Readers for the visually impaired
- Sign-language interpreters
- Medical and dental treatment, to
include:
- Prosthetic devices
- Other special equipment
- Special restorative services
- Employment counseling, career planning,
and job placement
- Assistance to become independent in
daily living

Home
Loans
Veterans, Get the Best Loan Value in
California: Cal-Vet Home Loans
If you are a veteran living in California, and want the best home loan on
the market, then you need a Cal-Vet Home Loan. You'll find the Cal-Vet
Loan loaded with money-saving features that help you keep your cash in
your pocket and build equity fast. You won't find many of these features
anywhere else.
You and your family will benefit from these
great loans from day one! As a non-profit State agency, Cal-Vet Loans can
offer you far more than the private lending community. Its our way of
saying "thanks" for what you gave to your country and to
California through your military service - AND we do it at no cost to
California taxpayers.
Just look at these great benefits:

No
Loan Origination Fee:
Why pay thousands of dollars in
points and origination fees to a mortgage company? Use your Cal-Vet Loan
and you won't pay either of these fees. Normally loan origination fees can
cost from one to five percent or your loan amount, and this is in addition
to your down payment funds. With Cal-Vet, all your dollars become part of
your investment in equity, instead of going to high, one-time fees charged
by traditional lenders.

Only
5% down:
Keep your out-of-pocket
investment low with this unique, low down payment option. If you qualify
for the loan amount, you'll invest as little as 5% of the purchase price
as a down payment. This makes it easy for first time homebuyers, and for
those buyers who would like to invest their excess cash elsewhere, to
obtain a great Cal-Vet Loan.

Loans
up to $250,000:
It's tough to find the
"right" home under $250,000 in many California markets. Many
traditional loan programs have loan limits much lower than Cal-Vet. This
makes a combination loan, and all the extra paperwork and headaches, a
necessity. You'll enjoy the ease with which you can obtain the right loan
amount on your property, up to $250,000 if you qualify, in one easy
package from Cal-Vet.

Free
Pre-qualification:
Have you been shopping for a
home, only to be advised that you should be "pre-qualified" so
you know how much of a house you should shop for? Sounds great, until you
see the price tag. Use your Cal-Vet Loan and you'll get pre-qualified for
free. No price tag. No hassles. No cost.

Expanded
Eligibility:
If you haven't checked into
Cal-Vet lately, you'll be pleased to know that eligibility has been
expanded. All veterans who meet the following criteria are eligible:
Persian Gulf War: 8/2/90 -
still open
Vietnam Era: 8/5/64 - 5/7/75
Korean Period: 6/27/50 - 1/31/55
World War II: 12/7/41 - 12/31/46
The un-remarried surviving spouse of an
eligible veteran may be eligible for a Cal-Vet loan if the veteran:
- died after filing an application for a Cal-Vet Loan, or
- died from injuries incurred in the line of duty, either while on active
duty, or
- is being held as a prisoner of war or has been designated by the armed
forces as missing in action.

Reusable
Loans:
If you've already had one
Cal-Vet Loan and think you don't qualify again, then you will be happy to
learn that new program changes now allow you to use Cal-Vet over and over
again. Before you obtain a loan from a traditional mortgage company, check
with Cal-Vet to see if you meet the current qualifications for a
subsequent loan. You'll be glad you did.
No Private Mortgage Insurance: Keep those
mortgage payments down by eliminating the need for Private Mortgage
Insurance, and eliminate the high monthly premiums paid on most
traditional loans. This is another money-saving feature of your Cal-Vet
Loan that you won't find elsewhere!
Home and Loan Protection Plans: Be sure you
and your family's investment is safe and sound. While thousands of
Californians have lost everything in numerous natural disasters like
floods and earthquakes, Cal-Vet Loan holders enjoy full replacement value
for their homes, keeping disaster in check for them and their families.
You'll be protected against floods and
earthquake damage with your Cal-Vet financed home. With a low, $250
deductible, you'll be on your way to recovery in days should a disaster
strike. In addition, your family will be automatically protected in case
of the veteran's death or disability through Cal-Vet's mortgage and
disability protection plans. You'll never have to fear that "things
haven't been taken care of" if something unforeseen should happen.
Sellers and Buyers Pay No Points: This is
yet another way that you will come out dollars ahead when you use a
Cal-Vet Home Loan. When sellers pay no points, you may be able to
negotiate a lower purchase price. When you don't have to pay any points,
it means that your funds go directly into equity or another investment,
instead of being thrown out the window as another "fee" or
"points".
Fast Processing: You'll love the fast easy
processing of your Cal-Vet Loan. A qualified loan representative will help
you and your agent each step of the way to a fast, 35 day average closing,
from the time we get all your paperwork. Your agent can coordinate the
entire process with Cal-Vet, just as they would do with any loan from any
lender.
We Will Work With Your Real Estate Agent:
You'll benefit from putting your real estate agent and your Cal-Vet Loan
Agent in touch as soon as you start looking for property. Since veterans
represent only a small portion of the real estate buying public, many
Realtors are unaware of the new benefits and streamlined loan processing
Cal-Vet offers. Your Cal-Vet Loan Agent will be happy to talk with your
agent to help him or her understand the Cal-Vet Loan Program and develop a
working relationship to assist in your home purchase.
Compare and Save With Cal-Vet Home Loans:
Wouldn't you rather have your money going into your equity instead of
drifting away as "costs"? Compare Cal-Vet's down payment, fees,
and payment schedule. You'll be surprised to see how much a Cal-Vet loan
can save you. And we'll be happy to have you as a new Cal-Vet loan holder!

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