1 ARMY MARINE CORPS NAVY AIR FORCE COAST GUARD PREPARING FOR DEPLOYMENT & RETURNING HOME WE RE HERE TO HELP
2 For more than 90 years, USAA has been serving military personnel and their families. Military deployment brings many stresses and changes. We ve created this guide to help you prepare. We hope you ll find these tips, suggestions and checklists helpful. As an additional service to you, we ve established a Deployment Response Team with trained representatives ready to assist you. FOR MORE INFORMATION OR ASSISTANCE, CALL 877-2DEPLOY OR VISIT USAA.COM/DEPLOYMENT.
3 CONTENTS Before You Leave Preparation Financial Preparations... 5 Insurance Preparations... 9 During Your Deployment Help and Support...13 Coming Home...15 Deployment Checklists Documents and Records...17
4 GET PERSONAL HELP BEFORE YOU DEPLOY AT YOUR USAA FINANCIAL CENTER CALIFORNIA Oceanside Pacific Coast Plaza 2178 Vista Way, Suite E-5 Oceanside, CA San Diego Mission Valley, Fenton Marketplace 2431 Fenton Parkway San Diego, CA COLORADO Colorado Springs 1855 Telstar Drive Colorado Springs, CO GEORGIA Columbus Fort Benning 6501 Veterans Parkway, Suite 1 Columbus, GA KANSAS Junction City Fort Riley 507 E. Chestnut Street Junction City, KS MARYLAND Annapolis 125 Prince George Street Annapolis, MD NEW YORK Highland Falls West Point 529 Main Street Highland Falls, NY NORTH CAROLINA Fayetteville Fort Bragg I 1590 Skibo Road, Suite 101 Fayetteville, NC Fort Bragg II 2080 Skibo Road Fayetteville, NC Jacksonville Camp LeJeune 1447 Western Blvd., Suite 100 Jacksonville, NC TENNESSEE Clarksville 2965 Ft. Campbell Blvd. Clarksville, TN TEXAS Copperas Cove 3014 E. Highway 190 Copperas Cove, TX El Paso Fort Bliss Central Fountains at Farrah Financial Center 8889 Gateway West Blvd., West Suite 1100 El Paso, TX Killeen 900 West Central Texas Expressway Killeen, TX San Antonio Alamo Ranch Shopping Center 5619 W 1604 N, Suite 101 San Antonio, TX Selma (Suburb in NE San Antonio) Market at the Forum Shopping Center IH-35 North, Suite 107 Selma, TX VIRGINIA Arlington Pentagon Row Financial Center 1301 South Joyce Street Arlington, VA Vienna Tysons Financial Center 8065 Leesburg Pike, Suite 120 Vienna, VA Virginia Beach 4625 Virginia Beach Blvd. Virginia Beach, VA
5 BEFORE YOU LEAVE FINANCIAL PREPARATIONS 5 Before You Leave COUNT ON US FOR HELP AND SUPPORT If you re deploying soon, you may not know where to start. We know what you re going through. We ve been there. And we have tips, guidance, valuable information and personal support to help you feel prepared and more at ease. Our specialized Deployment Response Team is ready to help you. Call them at 877-2DEPLOY ( ). The best time to prepare for deployment is before you receive your orders. Review your legal, financial and insurance details, and update ahead of time as needed. This guide can help you prepare but should not be taken as legal advice. FINANCIAL PREPARATIONS Get your finances ready for life in deployment. Your mission is paramount when you re deployed. It s understandable to feel disconnected from your life at home, including your financial life. But there are steps you can take before you leave that can help make your finances easier and more flexible to manage, increasing your confidence and helping you focus on your mission. Checking/Savings Consider applying for a USAA Bank checking or savings account. USAA Bank is built for military lifestyles and offers special benefits: No monthly service fees. Free access to ATMs nationwide use 60,000 USAA Preferred ATMs for free. Plus, if you use another bank s ATM, we ll refund the ATM fee up to $15 a month. 1 No minimum balance required. Deposit checks right from your mobile phone if you qualify. 2 Free online bill pay. Payday a day early military pay available one day in advance with direct deposit. Free checks. Your credit card or savings account can be used as overdraft protection with no overdraft fee. 3 Savings account with competitive savings rates and no monthly fees. 1 USAA Bank refunds up to $15 in other banks ATM usage fees each month and does not charge a fee for the first 10 ATM withdrawals. Subsequent transactions will be charged $2.00 each. A 1% foreign transaction fee applies to withdrawals outside the United States. 2 To use USAA and you must be eligible for USAA auto or property insurance and meet other qualifications based on your account history with USAA Bank. Deposits may not be available for immediate withdrawal. 3 Overdraft protection requires a second account number to charge for overdrafts. Normal credit card cash advance fees and rates apply.
6 6 BEFORE YOU LEAVE FINANCIAL PREPARATIONS Credit Cards With Deployment Benefits Look for credit cards that provide special deployment benefits, such as a rebate of finance charges accrued during a military campaign and an interest rate reduction beyond those required by the Servicemembers Civil Relief Act (SCRA). SCRA SCRA provides protections for individuals entering or called to active duty. It is intended to help ease the transition from civilian life to serving on military duty so that servicemembers can devote their full attention to duty. SCRA protections include a reduced interest rate on debt incurred before beginning active duty including, but not limited to, outstanding credit card debt, mortgage loans, auto loans, personal loans and home equity lines of credit/loans. Your JAG can help clarify whether your personal circumstances are covered. USAA Bank goes above and beyond the SCRA benefits required by law, giving you an APR of 4% lower than the SCRA requirements on preexisting USAA Bank credit card and loan debt plus the chance to receive a 100% rebate of credit card finance charges if you serve in a select, qualified military campaign. 4 Mortgage loans obtained from USAA Bank may not qualify for the special 4% rate. 5 USAA Bank has a special team that processes all of your SCRA interest rate adjustments. Be sure to send a copy of your orders, member number and/or account number. ONLINE FAX MAIL USAA FINANCIAL CENTER Reducing Car-Related Expenses We can help you reduce your expenses related to insurance while you re deployed. For starters, insure your stored vehicle with USAA and get a discount on your premium of up to 90%. 6 Or we can help you sell your car to a USAA Certified Dealer 7 or another member through the USAA Car Buying Service. Go Mobile With USAA Scan and Upload: usaa.com/scra Write ATTN: LNSSCRA on the cover page. USAA Federal Savings Bank ATTN: LNSSCRA McDermott Freeway San Antonio, TX Drop off a copy of your orders at your local USAA Financial Center. Whether you re on base, on the road or out in the field, you need immediate and secure access to your accounts. Because USAA services are designed to meet the needs of military members, the USAA App and usaa.com/mobile work on ships or in areas with restricted bandwidths. So wherever you are, you can view balances, transfer funds, pay bills and more from your mobile device. USAA Mobile gives you the tools you need to do what you want, wherever your service takes you. 8 Find out more at usaa.com/mobile. 4 To receive the special active duty benefits, you must tell us when you enter active duty, start a deployment/pcs or complete service in a qualified military campaign. SCRA rate will not apply unless you notify us that you have entered into active military service. The SCRA rate will apply only to balances made before commencement of active duty and will last until the end of your active duty period. We will notify you 45 days in advance before the SCRA rate ends. Thereafter, the regular variable APR will apply. For all other benefits, we must receive notice within 90 days after the start of deployment or PCS, or within six months after completion of a military campaign. We reserve the right to require documentation. A qualified military campaign is any war or military conflict in which the President of the United States of America issues an Executive Order establishing a campaign medal. 5 Some mortgage loans originated by USAA Bank are serviced by third party financial institutions, which reserve their right to decrease the rate to 6%. Please contact your mortgage servicer for additional details and to request SCRA protection on your mortgage. 6 Storage discount is not available in CA, HI, MA, NC, NY, PA and VA. To qualify for the discount, the vehicle must not be driven and must be stored in a secure location. Premium savings are a result of changes in coverage. Other restrictions apply. 7 USAA Car Buying Service provided by TrueCar, Inc. USAA Bank receives marketing fees in connection with the Car Buying Service. 8 Account access restrictions may apply to mobile/web access in certain countries.
9 BEFORE YOU LEAVE INSURANCE PREPARATIONS 9 Before You Leave INSURANCE PREPARATIONS Coverage and recommendations for your life, home and automobile. Discuss insurance thoroughly as a family, and if need be, seek advice from unit legal/family readiness counselors and licensed insurance professionals. From your family to your home, car and more, we can help you make sure you have the appropriate amount of coverage to protect what s important to you. Life Insurance Chances are you are insured for up to $400,000 with Servicemembers Group Life Insurance (SGLI). You may also have $100,000 in life insurance coverage for your spouse and $10,000 per child. Plus, your family is eligible for a monthly benefit paid to your spouse and minor children by the Veterans Administration if you die while on active duty. This benefit is called Dependency and Indemnity Compensation (DIC). Depending on your individual circumstances, consider additional life insurance coverage because: SGLI alone may not be enough. SGLI ends when you leave the military, and exchanging it for VGLI (Veterans Group Life Insurance) can be expensive. VGLI is not an option for spouses. Additional coverage can lock in your future insurability after you leave the military, without requiring another medical exam. 9 The cost of life insurance increases with each passing year. Not only can it be expensive after leaving the military it may not even be possible to get if you have significant mental or physical health changes. By adding additional life insurance now, you can guarantee having it in the future. By putting additional coverage in place now, you can increase it after your service ends without getting another medical exam. Review your needs. If uncertain, check with an insurance professional. Special Benefits of USAA Life Insurance Life insurance available from us is designed to meet the unique needs of military members and their families, offering: Coverage in the event of death caused by war. 10 The appropriate coverage you need for life insurance protection. Augmenting features built around the military benefits you already have, such as Servicemembers Group Life Insurance Traumatic Injury Protection (TSGLI), which provides a lump sum payment for military personnel severely injured in the line of duty (this one-time benefit ranges from $25,000 to $100,000). 11 Specifically, we offer military life insurance. Sign up while you re on active duty, and it provides competitive coverage in addition to SGLI that stays in place after you leave the military. It also includes a $25,000 severe injury benefit. And once in place, generally you can increase coverage when you leave the military with no medical questions asked. 12 To help ensure you re covered before you deploy, we ll typically expedite your application to be processed. 9 Military Future Insurability - Increases in coverage require payment of additional premium. Availability of increased life insurance coverage depends on characterization of military separation. Form ICC and LBR97953ST (may vary by state); NY form NBR60469NY War exclusions apply to coverage provided under accidental death benefit riders and policies. 11 Military Severe Injury Benefit is available to active duty in the Armed Forces and Armed Forces Reserve of the United States of America. Provides $25,000 to help with the expenses in the event of certain injuries while performing military duties to include dismemberment, loss of limb function, such as paralysis, loss of vision, and severe burns as long as base policy is effective. Rider form LBR67140ST (may vary by state); NY Form NBR67175NY Included at no additional cost. 12 Increases in coverage more than two times the base policy face amount up to the current maximum Servicemembers Group Life Insurance (SGLI) amount depends on your health and is subject to underwriting approval.
11 BEFORE YOU LEAVE INSURANCE PREPARATIONS 11 Home and Personal Property Coverage Before you leave, it s important to review your property insurance coverages. You may need to add or change coverage depending on your situation. Property insurance provides coverage for damage to your home and personal property. Some insurers also provide identity theft coverage and liability coverage if someone is injured on your property or if you accidentally damage someone else s property. Insurance features you may want in place: Renters insurance: Worldwide coverage for your personal belongings 13 even your uniforms and selfpurchased military gear. 14 Coverage that moves with you no matter where you are in the world. Homeowners insurance: Coverage for your home (structure) and personal items that includes replacement cost coverage. Protection for high-value items: Valuable personal property insurance provides coverage for high-value items, such as jewelry, silverware, cameras, laptops and fine art. Select providers whose policies have no depreciation or deductible that applies to a loss. Insuring Your Vehicle First and foremost, be sure your vehicle is properly insured, particularly if it will be taken care of by someone not on your policy. You may think there isn t a reason to make any automobile arrangements, but typically that s not the case. See if your provider offers: Roadside assistance Consider a roadside emergency service to protect your spouse or family members while you re away. Good companies have free emergency dispatch that includes towing and labor coverage. This service should cover many typical roadside emergencies, such as fixing a flat tire or jump-starting your car. Online and mobile claims Service that helps you track your claim status quickly and easily. USAA Auto Insurance has features designed with military members in mind, based on over 90 years of commitment and shared military values. Our members receive special savings and exceptional customer service that s tailor-made for those who have served in the military: Save up to 15% when you garage your vehicle on base. Save up to 10% when you continue the USAA auto coverage tradition that your parents started. 15 Mobile access designed for military lifestyles. It s why 92% of our members plan to stay with us for life. 16 If you re leaving your vehicle with someone, there may be some needs you haven t considered. You can help ease the financial stress caused by unexpected car repairs that aren t covered under warranty by purchasing Extended Vehicle Protection from USAA. 17 Reduced premiums If you won t be driving your car or will be putting it in storage during your deployment, see if your provider offers reduced premiums or reduced coverage, such as comprehensive only. 13 Availability of renters insurance to residents of another country is limited to qualified members. 14 For loss due to a covered peril of military uniforms or equipment owned by you and when the loss occurs while you are on active or reserve duty, no deductible will be applied. 14 This is a reduction in your premium for Comprehensive coverage, except in CA, where it also applies to your premium for Collision coverage. Not available in NY. Other restrictions apply. 15 To be eligible for this discount, the former dependent must have been insured on the parents or guardians policy for a minimum of three years, be less than 25 years old and have a clean driving record. Restrictions apply. 16 Based on 2014 Member Communications Trend Survey. 17 Extended Vehicle Protection is not underwritten/issued by USAA or its affiliates. USAA Extended Vehicle Protection VSC Program is provided by United Service Protection Corp., Assurant Service Protection, Inc. (OK), and United Service Protection, Inc. (FL) (FL Lic # ), each an Assurant Solutions company. USAA Extended Vehicle Protection Mechanical Breakdown Insurance is underwritten by American Bankers Insurance Company of Florida (AK, KY, MA, MI and OR) and American Security Insurance Company (CA), each an Assurant Solutions company. The third party underwriting/issuing this coverage has sole financial responsibility for its own products. Mechanical breakdown insurance offered through USAA Insurance Agency, Inc., or USAA of Texas Insurance Agency. CA Lic # 0D78305, TX Lic # Enrolling or not enrolling in the Extended Vehicle Protection Program will have no effect on any credit application or terms of credit with USAA. Once your vehicle purchase is complete, your contract will be mailed to you, and you will have 60 days to notify the relevant Assurant Solutions company if you wish to cancel and receive a full refund. The contract contains additional information, including the terms, conditions, eligibility requirements and exclusions that could prevent you from receiving benefits. Please read the contract carefully for a full explanation of your benefits. Company- and state-specific information is subject to change. USAA Relocation Services, Inc., receives marketing fees in connection with the Extended Vehicle Protection VSC Program.
13 DURING YOUR DEPLOYMENT HELP AND SUPPORT 13 During Your Deployment HELP AND SUPPORT Useful information to keep in mind while you or your spouse are deployed. Tips for the Servicemember Stay focused on your mission. Set goals to help the time pass quickly. Stay positive. Rely on your unit, friends and family for support, particularly your Family Readiness Group. Communicate regularly with family and friends. Tips for the Servicemember s Spouse Take advantage of support resources There are places you can go for support, emergencies, financial and medical advice, and family services: Service Support Centers: Army Community Service Center, Marine Corps Community Service, Navy Fleet and Family Support Center, Air Force Airman and Family Readiness Center, and Coast Guard Office of Work-Life Programs The United Service Organizations (USO): uso.org The American Red Cross: redcross.org or call Salvation Army: salvationarmyusa.org The USAA Educational Foundation: usaaedfoundation.org 18 Military OneSource (extension of installation services): militaryonesource.com or call Military community sites: National Military Family Association: nmfa.org MilitaryHOMEFRONT: militaryhomefront.dod.mil Joint Family Support Assistance Program: jfsap.mhf.dod.mil Military relief aid sites: Army Emergency Relief: aerhq.org Navy-Marine Corps Relief Society: nmcrs.org Air Force Aid Society: afas.org Coast Guard Mutual Assistance: cgmahq.org CinCHouse (community for military wives and women in uniform): cinchouse.com USAA Deployment Assistance: usaa.com/deployment 877-2DEPLOY ( ) Ombudsman s office: Depending on the branch of service, there may be an ombudsman s office to help with child care, nurseries, workshops on job skills, libraries, gyms, craft shops, recreational centers, thrift shops, family advocacy programs, life skills enhancement centers, installation chaplains and legal assistance 18 The USAA Educational Foundation, a nonprofit organization, provides information on a variety of consumer issues but does not endorse or promote any commercial supplier, product or service. Visit The USAA Educational Foundation website, usaaedfoundation.org, for more information.
15 COMING HOME 15 Coming Home YOUR HOMECOMING IS A TIME OF CELEBRATION, BUT IT CAN ALSO BE STRESSFUL Give yourself, family and friends time to return to normal routines. Visit with your family, renew old friendships and take things as they come. If you re married or coming home to children, remember that it takes time for all of you to get used to one another again. The best advice psychologists and family advisors can give you is to be patient; give yourself and your partner time to get back into the rhythm of being a family again. Once the euphoria subsides, it s time to sit down with your family and take stock of your affairs. Update Your Personal Information If you made changes to your financial accounts and policies, call to change them back to their original status. Cancel unneeded powers of attorney. Use Extra Income Wisely Additional income you receive, such as hazard pay or a reenlistment bonus, presents an opportunity to strengthen your finances. Consider paying down debt, starting or adding to an emergency fund, contributing to the Thrift Savings Plan (TSP), or other smart financial moves. See How You re Doing Financially Your Financial Readiness Score can help you see where you stand based on your goals and give you a personalized plan to take control. Visit usaa.com/myfinancialscore. Investments Once you return and you ve had a chance to review your finances, it s time to start thinking about your future. Talk to a USAA representative about your personal financial situation and goals, or visit usaa.com/goals to start a plan. Getting a Car If you didn t have a car when you deployed, you may want to buy one when you return. USAA can help save you time and money on the car you want through the USAA Car Buying Service, and we can offer a great rate on an auto loan through USAA Bank. You can even start the loan process while still deployed and have your vehicle ready and waiting when you get home. Avoiding Costly Accidents If you re returning from service, pay special attention to how much your driving habits have changed and whether they put you at increased risk for accidents back home. If so, you re not alone. Numerous studies* have found: Iraq and Afghanistan veterans are unique because their combat experiences were frequently defined by dangers on the road, particularly from roadside bombs. 23% of those who returned said they have driven through stop signs. 20% were anxious during usual driving. 50% were anxious when other cars approached quickly. Watch your driving habits and help prevent out-of-pocket and increased premium costs due to auto accidents. What s Next? We re Here To Help Whether your military life brings PCS, military separation or retirement, we re always here with tools and resources to help. Visit usaa.com/militarylife. * University of Minnesota, Driving-related Anxiety in Recently Deployed Service Members: Cues, Mental Health Correlates, and Help-Seeking Behavior, 2013; Journal of Rehabilitation Research & Development, Prevalence and Characteristics of Driving Difficulties in Operation Iraqi Freedom/Operation Enduring Freedom Combat Returnees, 2011; USAA Returning Warriors Driving Safety Report, 2012; NATO paper RTO-TR-HFM-164 Psychological Aspects of Deployment and Health Behaviours, Chapter 5 Risky Driving Behaviour, 2012; National Center for Biotechnology Information paper, Risk Propensity and Health Risk Behaviors in U.S. Army Soldiers With and Without Psychological Disturbances Across the Deployment Cycle, 2012; U.S. Army survey, 2011.
17 DEPLOYMENT CHECKLISTS DOCUMENTS AND RECORDS 17 Deployment Checklists EVERY DEPLOYMENT IS DIFFERENT Sometimes you barely have time to pack and say your good-byes. Be Prepared 1. Prepare a will. 2. Complete a power of attorney so that someone you trust can conduct business on your behalf while you are away and a durable power of attorney so that someone can make decisions on your behalf if you are incapacitated. 3. Register for online access to your accounts. Obtain PINs and passwords as needed. 4. Establish automatic payment plans to have your bills paid. Online Checklists To help you, we ve prepared a helpful collection of checklists to use as you work through your deployment preparations. You can find them at usaa.com/deployment. DOCUMENTS AND RECORDS These checklists will help you keep paperwork readily available for emergencies. Keep these documents in a secure place, such as a safe deposit box or a fire-resistant location. These documents should be updated prior to each deployment. LEGAL Wills Powers of attorney Birth certificate(s)/adoption records Burial and funeral instructions Copy of Emergency Data Card (DD Form 93) Court orders of documents (divorce, child custody/support) Social Security cards for family members Tax records Passports/citizenship/naturalization papers Marriage certificate
18 18 DEPLOYMENT CHECKLISTS KEY INFORMATION Key Information Financial Life Insurance (name & address) Phone Web address Bank (name & address) Phone Web address Checking account Savings account Safe deposit box Key location Credit card accounts Savings bonds, mutual funds, certificates of deposit, stocks, IRA documents
19 DEPLOYMENT CHECKLISTS KEY INFORMATION 19 Automobile Information Auto #1 Year Make Model State registered License plate # Auto #2 Year Make Model State registered License plate # Automobile Insurance Auto Insurance Company (name & address) Phone Web address Policy number
20 Serving with honor. It s at our core too. Multiple moves. Tight schedules. Deployments and homecomings. At USAA, we understand. We were founded by military members to serve the military community. And for over 90 years, enhancing military lives has been the fiber that runs through our organization. It s why we offer those who serve an unmatched level of service and special benefits that help make life easier and help protect what you ve earned. Those who sacrifice so much for our nation have our highest respect. So our commitment to serving your financial needs is without equal. Investments/Insurance: Not FDIC Insured Not Bank Issued, Guaranteed or Underwritten May Lose Value The information contained in this brochure is not tax, legal or estate planning advice. Consult with your tax, legal or estate planning professional regarding your specific situation. USAA products are available only in those jurisdictions where USAA is authorized to sell them. Purchase of a product other than USAA auto or property insurance, or purchase of an insurance policy offered through the USAA Insurance Agency, does not establish eligibility for, or membership in, USAA property and casualty insurance companies. Membership eligibility and product restrictions apply and are subject to change. Property and casualty insurance provided by United Services Automobile Association, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, USAA County Mutual Insurance Company, USAA Texas Lloyd s Company, and USAA, Ltd. (Europe), San Antonio, TX, and is available only to persons eligible for P&C group membership. Each company has sole financial responsibility for its own products. Auto loans subject to credit and property approval. Life insurance and annuities provided by USAA Life Insurance Company, San Antonio, TX, and in New York by USAA Life Insurance Company of New York, Highland Falls, NY. All insurance products are subject to state availability, issue limitations, and contractual terms and conditions. Each company has sole financial responsibility for its own products. USAA Car Buying Service provided by TrueCar, Inc. USAA Bank receives marketing fees in connection with the Car Buying Service. USAA means United Services Automobile Association and its affiliates. Credit cards issued by USAA Savings Bank, other bank products by USAA Federal Savings Bank, both Member FDIC. Financial planning services and financial advice provided by USAA Financial Planning Services Insurance Agency, Inc. (known as USAA Financial Insurance Agency in California, License # 0E36312), a registered investment adviser and insurance agency, and its wholly owned subsidiary, USAA Financial Advisors, Inc., a registered broker dealer. Investments provided by USAA Investment Management Company and USAA Financial Advisors Inc., both registered broker dealers. This material is for informational purposes. Consider your own financial circumstances carefully before making a decision and consult with your tax, legal or estate planning professional. No Department of Defense or government agency endorsement USAA