You must send    Original installation request pdf VS-1    a copy of your completed original sealed and signed Guarantee Bond


Do you have your Certificate of Authority?


do not


Don't have your Trade Name Proof yet?


Don't have your proof of Workers' Compensation Insurance?


do you have your deposit?


how should i apply?


You must sendOriginal installation request pdf VS-1a copy of your completed original sealed and signed Guarantee Bond


Hello,. The other day i heard that you are using some virtual assistant. I would like to use it, could you guide me where to access for that?


Certainly, i can direct you. However, is just to inform you that Aidan, our virtual assistant, in right now on a beta phase and so, is only available for some selected users logged into their accounts.


Do you wanna know if you're one of those selected few?


Yeah, i would be delighted to check that out. How can i be sure?


Well, first you must be logged in. Then, in your dashboard, you must look for an owl icon in the bottom right-hand corner. That will be Aidan's app. That would be visible on your desktop or mobile version.


So, all i have to do is to check if that owl-like icon is there, isn't?


That's all you have to do and anything else.


All right, i'll have to log in then and see if that little owl is there. Umm, Aidan looks like any chat service, so my written exchanges with it, will be kept by the app?


Absolutely. In order to constantly improve Aidan performance, their quality assurance and maintain an accurate log of your request to us, Is necessary to keep a record of your conversations with Aidan.


Well, that's very direct. I guess i will have to watch it over. See, you said that should be looking for an owl icon but, what if that little buddy isn't there?


If you don't see Aidan's owl-like icon, then don't be sad. Just check again in the near future and see if you have been selected by our expanding beta.


O.k, i really hope i'm one of the few. Now, something i should have had to ask something simple, What is Aidan's purpose?


The primary goal of Aidan is to answer questions about the federal student aid, using advanced technology and natural language processing.


How much would my family receive from Social Security after my death?


There's a limit but it varies. Generally, it's between 150 and 180 percent of the basic benefit rate.


Is this limit more than the sum of the benefits payable to your family members?


It's not


What if my spouse remarries after turning 60?


if your surviving spouse remarries after turning 60 they would still qualify for the Social Security benefits on your Social Security record.


How many credits do I have to earn so my family members get the benefits from Social Security after my death?


It depends on your age when you die, but nobody needs more than 40 credits and 10 years of work to be eligible for any social security benefit.


Is there a way to calculate how much my family would get if I die right now?


You can use our online Benefit Calculators for an estimate.


And what if my widow remarries and her current husband is also a Social Security beneficiary with a higher amount on his record?.


In that case, she should apply to her current husband benefits and the amount she'd get would be a combination of benefits that equals the higher amount.


So it would be recommendable that she applies for her current husband Social Security benefits too.


yes, that's correct.


Could I be eligible for spouse's benefits and have access to my spouse's estimate?


Would you like to find the estimated amount of retirement benefit your spouse could be eligible to receive at full retirement age?


No, not at this time.


Do you know that you need to divide the amount in half and round down to the nearest dollar?


No, I did not know that is how it is figured out.


Then you cannot figure out the monthly amount of your Social Security benefit as a spouse.


What is one thing I need to estimate my future spouse's benefits under the GPO?


One thing you would need to figure the estimate out is the gross monthly amount of your pension from your government job not covered by Social Security.


How many things to do I need to estimate my future spouse's benefits under the GPO?


YOu would need two things.


What happens if I am eligible for Social Security retirement on my own earnings will it give a higher benefit based on my spouse's earnings?


It will affect  your benefits as a spouse.


Hi. I was wondering if you can help me with something, i going to apply for a SSN card, and was told i would need some documents, is that right?.


That is correct. Those documents involve to prove your citizenship, you U.S citizenship.


Do you have the documents, or not?


No, no, i don't have'em


Am, this i think i know the answer but i've been living outside of the U.S for long time, what would need then?


Well, in those cases, you would need a current or previous passport, school or employment records and any other records that show your long term stay outside the U.S. That would help to show us that you don't have a SS number.


So i have a broad option, isnt? Any document will do it, always it can show a proof of my residence outside?


Outside U.S, yes. But remember those documents must be original.


Okey dokey. Oh, i have a child who is 13, he can apply for his SSN card online too?


Sorry, but no. Any individual of age 12 or older must appear in person for an interview. In the same fashion, he'll need to prove tat he doesn't have any SS number.


Ok, i'll have to take previsions on that. A last question, what if i don't have one of those documents you mentioned before?


If that so, you can submit any other document we ask you. As always, it must be valid, to have your name, date of birth or age and a recent photograph.


Group Life Veterans Insurance (VGLI) helps veterans after leaving military service?


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


How do I get these benefits?


You ll need to apply for VGLI within one year and 120 days of leaving the military


I see, another question about TSGLI benefits, what do I need to qualify?


You may be able to get TSGLI if you were insured by SGLI when you experienced a traumatic injury, and you meet the requirements


Do you have a list that shows the payments for loss of limb or function?


You can View TSGLI loss standards


so what do I need to be qualified for TSGLI?


Do you have a scheduled loss that is a direct result of the traumatic injury ?


No I don't


I am sorry but you are not eligible for TSGLI


I need help with complaints


Has a complaint been filed against you?


no, we haven't gotten one but I am helping someone with an active complaint


Has the complaint not been resolved with the CSR?


yes it is still being resolved


The case will be sent to an Automotive Facilities Inspector for a formal investigation.  Costly penalties, fines, and the loss of valuable customers can be avoided by responding to all DMV inquiries in a timely manner.


Now I have a completely unrelated concern about bond amounts. How do we know how much the bond would cost more or less?


The 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. We have a chart you can look at


something else I want to ask is if a temporary registration is about to expire can we still sell and get another temporary registration for now and get the title later?


If you can't get the title certificate you can not get another temporary registration, and according to the DMV Commissioner's Regulations, you cannot sell a vehicle if you do not have proof of ownership.


as is sale?


can we get a title and registration on a salvage we fixed?


Anything I need to do before taking the road test?


Once you get your learner permit, you have to obey the restrictions on where and when you are allowed to drive. You should also complete a 5-hour pre-licensing course or a high school or college driver education course.


How long it lasts the pre-licensing course certificate?


The pre-licensing course certificate lasts for 1 year from the date it is issued, and the student certificate of completion lasts for two years.


anything else I need to do before the road test?


apart from obeying the learner permits restrictions and completing a 5-hour pre-licensing course, you should get a good amount of supervised driving practice.


please give me more recommendations about practicing and lessons for my road test.


It is recommended a minimum of 50 hours of supervised driving for drivers of all ages and that you take a driver education course or professional driving lessons.


I'm under 18, what I need to do before taking the road test?


You have to wait for at least six months from the date you received your learner permit to schedule a road test.


What should I do in case I lost my certificate?


You must contact the school that issued the certificate, they will give you a replacement.


HI. I'm looking for information...


no problem. You can download the military sexual trauma brochure for veterans.


there is also a safe helpline, if you need it.


Abaut that line, is something where I need to give my name?


No, you don't. You can remain anonymous if that's your wish. You can have a 1-on-1 advice 24/7 by phone.


there is any way I can get in contact with someone in person to, if I need to?


Yes! You can get in contact with a sexual assault response coordinator near your base or installation too.


If there any kind of compensation for traumatic experiences?


Sorry, but no. you can no get compensations for traumatics event itself.


Is there any line or phone number where I can call to?


Yes, there is. You can call to the VA general information hotline at 800-827-1000, monday through friday, 8:00a.m. to 9:00p.m. ET


The support related to sexual traumas it's limited just to women?


Not at all, a sexual assault or harassment is a very important issue, and this can happen to both women and men.


There any kind of compensation for this kind of trauma?


well, you can check if you can get a disability benefit for PTSD for condition resulting from MST.


I was wondering if I can get help with my dental insurance, becauce I can't get VA dental care benefits.


You 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.


And what are those requirements, if I may ask?


Are you signed up for VA health care?


No, I am not.


Are you signed up for our Civilian Health and Medical Program also called CHAMPVA, a health insurance program for dependents of Veterans?


No, I'm not.


Unfortunately, you won't be able to buy dental insurance at a reduced cost through the VA Dental Insurance Program then. I'm sorry.


Good to know, also about VA medical care, what other resources and information are there that can help me?


We have VA health care copay rates for such things as different types of care, test, and medication online that would be helpful.


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


Yes, I would like to know about other VA benefits and services.


You can learn how to file a claim for disability compensation and mange your benefits online.


When I hear from the VA about my application decision, what will happen?


You will then find out what to do next after the decision is made.


Hello! I would like to obtain information about insurance life.


Sure. Life insurance can offer financial security for Veterans , service members , and their spouses and dependent childrens.


Do you need more info?


Yes, I would like to get all the information.


Unfortunately, no relevant information is found.


Could I get insurance?


Yes, we have multiple options.


I would like to read your insurance policies.


You can get information online.


Do they have benefits for extreme situations?


Benefits for totally disabled or terminally.


What about financial planning?


What am I able to do with the online portal of VA?


You can use your online portal to:   check the status of your policy to make sure it is up to date   Pay your premium the amount you will pay each month to keep your coverage s    Learn about your plan and renewal options.


Yes, we have.


I want to get a motorcycle license, give me some info about it, please.


If you are a New York State resident, you must have a Class M or Class MJ driver license or learner permit to drive a motorcycle.


Just to confirm... do you need a motorcycle license?


Yes, I need to get it.


First of all, you must first get a motorcycle learner permit. The DMV will offer you 3 types of documents. for more information, see "Enhanced , REAL ID and Standard documents".


I already have a New York State learner permit, Does this permit help me?


Yes, bring the document to a DMV office and a $10.00 payment for the application fee and the motorcycle license fee.


What if I don't 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 and you don't have to visit a DMV office.


Can I get the motorcycle road test waived?


Yes, we can waive the test if you are qualified and you complete an approved course.


Have you already got information about approved courses in your area?


Yes, I got some info about it, thanks.


Ok, anyway, you can visit the New York State Motorcycle Safety Program website or call toll-free at 1-800-446-9227.


What if I pass the road test?


You will receive a temporary motorcycle's license from the examiner.


My school didn't give me the right amount of financial aid. Who do I talk to to get it fixed?


So you believe that your financial aid has not been administered properly?


I mean, I don't know exactly but it doesn't seem right.


I think the amount I was supposed to get more. And there is another student with the same name as me so I think maybe it was mixed up. What do I do?


Ok, then this could be a simple mixup or a case of identity theft. Does that sound right to you?


I just didn't get the right amount and I think someone did something wrong somewhere. I don't know if any rules were broken but it's just not right.


It could also be a case of something calculated incorrectly in the financial aid amount.


Yes, it could be that too. I just need to know who to contact to get it fixed.


The first step would be to contact your school's financial aid department to try and get it straightened out.


Is there any way I could get a deferment on my student loan payments?


If you are in active duty in the military, you will qualify for a deferment on any federal education loans.


I want to know how to make an update to my Federal Student Aid file.


Are you attempting to correct an error?


Yes I am.


If your application has already been processed, you can correct your FAFSA form online or on paper.


What information can I change on my form?


While most information can not be changed on the FAFSA form, some information must be updated if it changes. We have relevant information on the difference and how to update FAFSA information.


Does it make a difference if this is my first time getting Federal Student Aid?


If that is the case, you should expect to be required to sign a promissory note and go through entrance counselling.


How and when will I receive my financial aid?


The financial aid staff at your college or career school will explain exactly how and when your aid will be paid to you.


Will I have to pay this money back?


If it is a loan, yes. If it is a grant or scholarship, no. You need to decide what aid you really need, then respond to the school's aid offer within your school's deadline.


Do you have information on help I can get while I'm in a VA employment program?


We have a subsistence allowance which helps you pay for basic needs like food and clothing if you're an eligible Veteran participating in the Voc Rehab program.


Would you like more information on benefits?


can you help with GI BIll benefits?


That's helpful to hear. If you have any knowledge of foreign programs? What additional benefits are available via the GI Bill?


There is the Montgomery GI Bill Active Duty. If you served at least 2 years on active duty you might qualify for benefits under this program.


Yes we can help you go over your options for using GI Bill benefits to help pay for school or training , and find out what benefits you can get .


If I have a hearing impairment, and I need information, is there a TTY number I can call?


You can call TTY: 711


how do I know how much I can get in subsistence allowance?


You can view the current subsistence allowance rates to find out the amount we will provide to help you pay for basic needs like food and clothing. I can give you the link so you can get an idea of what you'll get


do you have help for someone who might be homeless soon?


We offer many programs and services that may help. We can also help you connect with resources in your community like homeless shelters or faith-based organizations .


and do you have other help if we don't have the GI Bill?


Yes, If you are a Veteran , Reservist , or National Guard Soldier who doesn't qualify for the Post-9/11 GI Bill we can help you find out if you can get education benefits through other VA programs


Hello, I would like you to help me know how to apply for retirement benefits.


Of course Applying online is the easiest way to complete your application in a time that works for you, without having to go to the Social Security office. You can also file an application over the phone or at a Social Security office. This section will inform you about the different options.


Do you want to apply online?


no


Do you want to apply at your local office?


yes


It is important to know that you can do most of your business with Social Security online.


And how can I do if I can't use these services online?


If you can't use these services online, your local Social Security office can help you apply. Although our offices are closed to the public, the employees of those offices are helping people over the phone.


and what are you going to do when I complete everything?


Once you have completed everything, we will ask you to confirm that your answers are true to the best of your knowledge.


And how will you know when they make a decision?


You will receive a letter in the mail with our decision


hello I need information about Undergraduate and graduate degrees for veterans


We are counting on the program to issue payments after school each month. For example, you will receive payment for classes in November in December.


like what is proposed by the bill Y after 9/11?


If I wanted to know


For the post 9/11 GI Bill, we pay: Tuition and fees directly to the school  Money for books at the beginning of the term


and who qualify for this benefit?


Those who qualify for this benefit include a veteran, service member, or qualified dependent.


Can I use the GI Bill to pay for classes for more than one degree?


After you earn your first degree, you can use any remaining GI Bill benefits to pay for classes in another degree.


And in which institutions can I use this benefit?


you can enjoy it in higher education institutions such as a 4-year university, a community college or a graduate school.


How much does VA cover for graduate programs?


The school decides how to grade each hour. but we will pay you the full time fee.


And this benefit includes study tools, such as books?


the program includes the Money for books at the beginning of the term


I want to learn more about students with a criminal status as it pertains to financial aid.


I can help you. It is important to understand your status and not assume you won't qualify. Do you know your status?


WIll I be asked about drug convictions that happened while receiving federal aid?


Yes you will.


Can I get aid on probation or parole?


Yes, you actually can.


Are you on parole or probation?.


No, I am not.


Were you convicted of a drug related offense?


Yes, I was.


When can I apply for aid when incarcerated?


You apply before you are released.


I want to know about Fry Scholarships, please


Please, learn about the the Marine Gunnery Sergeant John David Fry Scholarship, a scholarship for children and dependents of Veterans.


Was your parent or spouse an active duty member who died in the line of duty on or after September 11, 2001?


Yes, sadly


Then, ou may qualify for this benefit


What if I  remarry?


In tat case, 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. Please, read about DIC.


Am I eligible for this scholarship?


You are elegible  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.


what if I am the child of a service member?


You can be married or unmarried.


How can I apply for benefits?


Do it online. 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.


can you help me with information about the Educational Reserve Assistance Program (REAP)


Can it affect whether REAP has ended?


You can find the description below that best suits your situation to find out how this change affects you and what to do next.


What if you applied for REAP after November 24, 2015?


if it is on that date You are not eligible to receive REAP benefits, but you may be eligible for GI Bill benefits after September 11. let us and we will review your application and give you the benefits you qualify for


What if I already attended a school on November 24, 2015?


It conforms to this description if you were already attending a school or training program on November 24, 2015, or during the last semester, quarter, or term that ended before then.


OK well. and what requirements do i need to meet?


Do you have REAP Eligibility established before November 25, 2015?


do not


You cannot credit your REAP eligibility for your GI Bill Post-9/11 eligibility as you do not meet the requirements sorry


What do I do if I want to change my benefits?


If you want to change benefits, call 888-GI - BILL-1 888 - 442 - 4551, Monday through Friday, 8:00 a.m. at 7:00 p.m. we will gladly help you


who is the co-signer on a repayment plan?


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


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


yes


where do we sign in?


Co-sign Income - Driven Repayment IDR Plan Request


About PLUS Credit Counseling, can you please tell me what it is?


This is important if you have been informed by the US Department of Education that you have an adverse credit history.


Is admission advice recommended before asking for help?


Exactly, it is important for your first subsidized direct loan, or unsubsidized direct loan as a college student.


When can you ask for advice?


Can you complete the assessment at any time?


Hi, please show me information about The Program of Comprehensive Assistance for Family Caregivers


If you re a family member caring for a Veteran with disabilities


We recognize that family caregivers enhance the health and well - being of Veterans they care for in their home .


I was wondering if you can tell me informations about Tricare? What does included in these program?


Sure. Tricare provides comprehensive health coverage, including health plans, prescription medicines, dental plans and programs for people with special needs. This program is managed by DOD's Health agency.


Umm, looks like a very complete program. Say, i remembered that a friend of mine has a child with something about its spine, i think it's called somthing bifida, sorry, do you know if he can get help for the child?


You mean Spina Bifida. And yes, if your friend is a Vietnam War Veteran, He may qualify for disability benefits for his child, including health care benefits.


Great, i'll make sure he knows about this. Could you tell me what i have to be in order to qualify for Tricare?


Well, you may qualify if you're the family member of an active-duty, retired or deceased service member, National Guard soldier, reservist or medal of honor recipient.


I heard something about a camp lejeune?


Yeah, that's something special.


Hi, my daughter Molly was foreign born, but a U.S. Citizen. I need to correct her Social Security card.


Did you change Molly's name because of adoption or court order?


No, neither of those apply.


Is Molly employed?


Yes, she is. She works at the library on weekends.


Great! Make sure that her employer is aware of the correction.


Oh, do we need to tell her employer or does Social Security?


She will have to tell her employer.


What do we need to do if we change her name on her Social Security card?


You will need to show us proof of her name change. Some examples of proof would include a final adoption decree.


Do I need anything with her previous name on it?


Yes, we will need to see the identity document with her prior name.


How do I access these VA nursing home services?


You may be able to use one or more of these services if you meet all the requirements


if i signed up can i get VA medical care?


if you can get home health care as part of your benefits.


What about the treatment given by the VA? And what kind of problems do I have that would make me eligible for that?


To qualify, you must have vision problems caused by an illness or the treatment of an illness for which you're receiving VA care, like a stroke, for example.


Ah. Where can I find more information about that?


Simply contact the prosthetic representative at your nearest VA medical center or clinic or find a VA health facility near you.


One more question, do you cover the full cost of my glasses?


Yes, we'll cover the cost of your eyeglasses.


Hello, how are you today? I came here looking for information about my primary care provider.


Of course. 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.


Well, that's great and all, but who will provide care for me?


Have you signed up for VA health care and chosen your main VA location?


No, I havent. I was planning on doing that later.


What if I need other services to fulfill my needs?


In that case, your team may call other providers like social workers or specialists to help with your care.


And which specialists are part of my health care team?


A primary care provider, your main doctor, nurse practitioner, or physician s assistant and a 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.


What if I want to change to a different doctor?


Then you'll need to talk to your health care team leader or to the patient advocate at your VA medical center.


I have a few questions about FAFSA and the Student Aid Report.


I can help you with that. Your Student Aid report summarizes the information in your FAFSA form, so be sure to check that your information is both correct and complete.


What if my information is incorrect on my SAR?


There will be a space on your SAR where you can write in any corrections.


Do I need to correct any mistakes on my SAR?


Yes. It is very important that you correct or update any incorrect information on your FAFSA form.


How do I receive my SAR?


You will receive your SAR on paper. If you provide an email address, you will also be able to view your SAR online.


Did you provide an email?


Yes, I did.


Great. You will receive an email from noreply@FAFSA.gov. This email will provide you with instructions to get an online copy of your SAR.


Will I receive a paper SAR if I get the online copy?


Yes. Whether you provide an email or not, you will still receive a paper SAR copy.


Hello. I'm in the process to making a disability benefits claim. I was told that probably i would have to do some kind of exam, could you tell me about that,please?


Have yo already filed you disability claim?


Indeeed, i already did that.


Excellent. The exam that you was told about is known as compensation and pension exam, or C&P for short. That's a requirement from you to Veterans Affairs.


And everybody has to pass through that exam in order to get their claims?


Not everyone. That exam is required in case your medical information isn't clear enough to us to decide about your claim.


But if i have, well you know, enough information about my condition, I won't be required to do the exam, right?


That's correct. In case, your medical profile has enough information, the exam won't be necessary on any instance. That's why your medical information must be as complete as possible.


I'm sure i won't need that, but it's good to know what it is. Could you tell me about its ultimate purpose?


Through this exam, we'll be capable to determine and rate your disability, based on your disability's severity. That will influence directly on how much you'll receive, and varying between monthly payments and enrollments on veterans health care programs.


Wow, that sound very  specific. Lets say i can't go for the exam. I know is better to not miss them, but if its something out of my control, what can you do to help me?


If there are circumstances beyond your control, like sudden illness or death of a family member, we'll gladly reschedule your exam. ou dn't have to worry there.


Hey, i'm a service member and i would like to know if its possible to get some benefits from VA?


Are you serving on active duty in the U.S uniformed services?


Yeah, that's correct.


Then congrats. You may be eligible to receive VA benefits both during service as well after your separation or retirement.


That's a very good news. Tell me, do you have any phone resources?


Sure. You can make use of our many toll free numbers, such as VA benefits hotline, the eBenefits technical support or the MyVA311. All those lines are set to help you with your needs and doubts.


That's all well and good, but what can I do about my current employment situation? Due to my handicap, I am unable to function.


If 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.


I understand. What can information can I find on your website?


You can learn about VA benefits you can use during and after service and time-sensitive VA benefits to consider when separating or retiring.


Where can I find more resources for veterans?


You can visit the Department of Defense (DoD) Military OneSource website, visit our mental health site for transitioning service members, or read about our commitment to supporting transitioning Veterans.


My Dad was in the military. I need to know if this qualifies me for any kind of financial aid for college.


For military families, scholarships and loan repayment assistance are available to you from several sources.


Where can I submit a complaint about ow my college is using my financial aid?


I can provide you with some information that may help you solve your problem or submit a complaint.


Thank you. Does Paralyzed Veterans of America offer any scholarships to military families?


Yes, they do.


What other kind of financial aid does the government provide for military families?


I can give you information on a few sources of financial aid that you can consider, but I also suggest that you check out todaysmilitary.com. You will find a list of education benefits.


What are Reserve Officers Training Corps Scholarships?


Yes, I would like to know more about these scholarships.


Great. Unlike some other military scholarships, the ROTC Scholarships are based on merit instead of financial need.


Now, about my complaint. Should I file it?


First, I suggest you contact your school to address the problem. If you are still unable to resolve the issue after that, file the complaint.


Do I have to renew my FAFSA application?


Yes, the FAFSA application should be renewed each year to receive more financial aid.


How should I renew the form?


Have you logged in to renew your FAFSA form?


I have, yes.


Then you should notice that your form it's already prefilled with some of your previous information from the prior academic year. You just need to provide new income and tax information and update any other information that may have changed.


Can you give me a step by step guide on how to renew the form?


Sure. You can follow the instructions to renew your FAFSA Form.


What should I do after logging in at fafsa.gov?


You have to select FAFSA Renewal. If you do it through the app then the FAFSA renewal form should display automatically if you are eligible for renewal.


just to be sure, to log in to fafsa.gov I should use my FSA ID, right?


Yes, you log in with your FSA ID as your username and use your password.


what can you tell me about Social Security Credits


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


If i are statutorily blind?


you must only meet the duration of work test


What is the Number of credits needed for retirement benefits?


if I was born after 1928?


yes it is my case


you need 40 credits to qualify for retirement


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


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


What are the credits based on?


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


hi i need some help if i can't get VA dental care benefits, can i get help buying dental insurance?


Yes You may be able to purchase dental insurance at a reduced cost through the VA Dental Insurance Program VADIP


And what requirements do I have to meet to buy it?


are you signed up for VA medical care?


yes


since you are in compliance You may be able to purchase dental insurance at a reduced cost through the VA Dental Insurance Program VADIP


How does dental care help?


dental care Relieves pain, and helps you get a job,


Good to know. Do you know vadip? If your assessment shows that my income is still above our limits


Does VA verify the information I provide?


If that is my case, what can I do?


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


provide information for 2018


we ll verify it in July of 2019


Hello I need to know how to change my license from Class D to Class E


have you completed the application for Standard Permit?


I have, yes. I completed the application for Standard Permit.


Ok, besides the Application for Standard Permit you need to complete the Driver Licenses for Non-Driver ID Card PDF MV-44


I'm planning a trip soon, any recommendation about my ID?


A good recommendation would be to go to the DMV first and ask for an Enhanced or REAL ID so you can avoid going to the office again later.


what should I get for a Non-DRiver ID Card?


That would be the Driver License for Non -Driver ID card PDF MV-44


Do you know what the MCTD fee is? Could you please tell me about some of the MCTD areas?


some of the most known are Bronx, Kings, Manhattan, and Queens


do you have somewhere where it shows the fees?


what are some ways we can get a refund on the license fee?


You can qualify for a partial refund if your driver license was valid for 8 years when it was issued


What do my documents need to reflect in order to get a replacement social security card?


Your documents need to reflect your proof of citizenship.


Have you already established proof of your citizenship with us?


Yes, I have already confirmed this.


We would need to see proof of U.S. citizenship such as a U.S. birth certificate or a U.S. passport.


Do the documents have to be current?


Yes, in order for us to accept the documentation it must be current and not expired.


What forms of proof can I use to verify my identity?


You may use a U.S. driver's license, a U.S. passport, or a state issued ID card.


What happens if I don't have any of these forms of identification?


If you don't possess any of these id's, we will ask to see other documents that are current and that can verify your name, date of birth, and preferably a recent photo.


Can I turn in copies of the documents?


No, we must have the original documents. We cannot accept photocopies or notarized copies.


I want to know about enhanced eligibility for returning OEF/OIF/OND combat Veterans, please.


You can receive free VA medical care for up to 5 years after discharge for any condition related to their service in Operation Enduring Freedom (OEF) in Afghanistan or Operation Iraqi Freedom (OIF) or Operation New Dawn (OND) in Iraq.


How can I apply at this time?


Would you like to wait to apply for VA medical care until after your enhanced eligibility period ends?


Yes, I can wait, sure.


We will not consider your OEF / OIF / OND combat veteran status in our enrollment decision. Instead, we'll base your eligibility on factors such as your income and VA disability rating.


That's helpful to hear. Another point about the health-care benefits provided by the VA. Is there anything else I should know about the eligibility? anything else, perhaps?


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 .


Can I get VA health care benefits?


You 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 .


What if I need help filling out my application?


You can get help in any of these ways


I've heard that Student Aid has been hit by scams recently. I'd like to know more please.


Help is freely available to avoid 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.


What specifically should I be looking out for?


One thing to beware of is Student Loan Debt Relief Companies. We have a section on that.


Before graduating, what should I keep in mind when I want to create an account?


You should make sure all your contact information is correct.


What if I want to consolidate my loans?


If you consolidate your loans could take longer than 10 years to pay off.


Is it good to review my federal loan history before I graduate or leave school?


Yes, you should always review your federal student loan history and you can do this by logging in to "My Federal Student Aid" and you need to creat an FSA ID you have don't have one.


Did you know what to look for when reviewing your information?


No, I am not sure what to look for while reviewing my info.


Hello, I have some questions about closed school loan discharges and I'd appreciate some answers.


Of course. Are you wondering what benefits you have by receiving a closed school loan discharge?


Yes, I am.


Receiving a closed school loan discharge gives you several advantages.


I have another question about Student Loan Forgiveness ,can I appeal if denied?


You may ask the U.S. Department of Education to review the denial


so can I ask for a discharge if the training didn't help me because I had issues ongoing of my own?


You might qualify for a discharge on the Disqualifying status category.


are all loans able to be discharged?


Loans made under the William D. Ford Federal Direct Loan Program or Federal Family Education Loan Program are eligible for a discharge.


and I apply where you said?


Do you have a Direct Loan or FFEL Program loan and are you ready to apply for the false certification discharge?


not ready yet, I need to do more research but thanks anyway


Hi, do I need information regarding Survivor Benefits please?


I recommend looking at the Survivor Planner for information on the subject.


Does the spouse qualify for benefits?


Of course, a retired worker's spouse or divorced spouse qualify for that purpose.


Perfect, what else should I know?


It is important to note that this can happen even if you have never worked under Social Security.


What would happen if you die?


It is important that you search for information related to the topic.


Ok, fine. Now regarding the rejection of applications, if mine is rejected, can I go to an appeal? is there a number for deaf people to appeal?


we have a free TTY number for people with hearing impairments to request an appeal, 1 - 800 - 325 - 0778.


what info do I need to give to apply for the benefits?


You'll need some personal information and info like your Social Security number and proof of your age, medical records, etc.


Hello. I am trying to get info about VA nursing homes.


Great. I can help you with that.


Thank you. Do I qualify?


Well, let's see if you are able to get residential health care through the VA.


Another concern is whether or not the VA would cover the expense of eyeglasses. Okay, but what are the requirements?


At least one of these must be true


Where can I find a VA medical center near me?


if you can Find a VA medical center near you


ok tell me the requirements?


Have a compensable service - connected disability a disability linked to your military service for which you re receiving VA disability payments


not


Are a former prisoner of war POW


Were awarded a Purple Heart


yes


We will cover the cost of your glasses meets at least one of the requirements


What do I do if I get a traffic ticket?


It will be handled by a New York State Department of Motor Vehicles DMV


This doesnt apply to me


This doesnt apply to you, so what else can I help you with?


Thank you, this applies to me. Tell me mroe


Please just follow the instructions on the ticket for the plea you wish to make


Have you answered to the ticket in the amount of time that was given to you?


No I have not


Unfortunately, no relevant information is found.


Can I bring witnesses with me?


Yes. You may present witnesses and evidence at a hearing


Also, for traffic violation,  who is processing the tickets, the DMV?


DMV's Traffic Violations Bureau TVB processes tickets for non-criminal moving traffic violations issued in the five boroughs of New York City. For more information about the TVB, you can read our brochure.


I'd like to ask you another question about filing an appeal. Can I use the AA-33A Appeal Form?


Yes


how Register an ATV


What is considered an all-terrain vehicle?


yes


An 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


I need more information


see our brochure ATVs : Information for Owners and Operators [ 2 ] C-29 .


If I buy the ATV from an out-of-state ATV dealer


acceptable proof of ownership can bes a manufacturer's certificate of origin or a manufacturer's statement of origin, and the bill of sale from the dealer


If i 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


Does an ATV need a vehicle registration?


Yes. You must have a valid NY State registration to ride your ATV in New York State , unless it iss only used for agricultural purposes or not -for- hire snow removal on private property


can you give me details of After a Board decision


you disagree with the Board s decision and have new and relevant evidence that supports your case


not


If the VA schedules the exams for me?


be sure not to miss them


If I disagree with the Board's decision and have new and relevant evidence to support my 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


Can I request a hearing?


You have the option to request a hearing with a judge. A video conference hearing will take place at a VA location near you


What if I have more questions?


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


What if I need help?


A Veterans Service Organization or VA - accredited attorney or agent can help you request a decision review . Get help requesting a decision review


you can file a Supplemental Claim


What are direct PLUS loans for?


PLUS loans can help pay for education expenses not covered by other financial aid.


I understand but how can I apply?


You can use the online application to apply for a PLUS parent loan.


OK thank you. I would also like to find out how to apply for a loan. How will I know if my school participates in a QTP plan?


The financial aid or admissions staff in your school can help you with this


Can you give me more information on the Coverdell Education Savings Account please?


This particular account allows you up to $2,000 per year to be put aside for a student's education expenses


I wanted to know about disability special claims


Do you have a disability claim that isn't linked to military service ?


no


Are you 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 ?


no I wanted help on something else


Unfortunately, no relevant information is found.


can I get help for clothing that I tore so I could wear over my new leg?


Yes, if your clothing has been damaged by your prosthetic we can help you find out if you can get money to help buy new clothes.


Very well. if I have a disability but. And what does this subsidy do?


With this grant, you can earn money each year to help you buy new clothes. This is a disability compensation benefit


I also wanted to know about the title 38 usc 1151, if you can?


VA title 38 u.s.c. 1151 claims will give you disability compensation if 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


Regarding a higher disability rating due to time spent in the hospital. Is it possible for me to receive VA disability benefits?


Yes, if you meet the requirements you may be able to get disability benefits.


Can I still work?


At this step ,s [75] we decide if your medical impairment prevents you from performing any of your past work


Does that answer your question ?


yes thank you


okay thank you


Are there any special situations?


Most people who receive disability benefits are workers who qualify on their own records and meet the work and disability requirements we have just described


Where can I find that information


You can find that information on the SSI website


What if the adult child is already receiving SSI benefits or disability benefits on his or her own record?


An 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


I am blind does that make a difference?


you may still qualify for disability benefits if your vision problems alone or combined with other health problems prevent you from working


I'm looking for a retirement benefits planner


Are you applying for medicare only?


no


Do you have lifetime benefits on your record we can pay?


Do you plan to continue to work?


So do you currently have health insurance coverage ?


yes


Medicare is the health insurance program for people age 65 or older The program helps with the cost of health care


I understand, another question about Medicare, can I request it if I have health insurance?


Yes, even if you receive health insurance through severage, you should still look into Medicare.


Could you please give me some information about finding out how to get a discharge of my federal student loans if I have recently become disabled?


A total and permanent disability discharge relieves you from having to repay a William D. Ford Federal District 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.


Are you attempting to qualify for the total and permanent disability discharge?


I am not at this time.  I am just needing to seek information about the possibility.


Does this type of discharge actually also apply for TEACH Grant service obligations?


It does indeed.


How would I be able to show that I qualify for the TPD discharge of my loan and obligations?


Do you have documentation from either the Department of Veterans Affairs, the SSA, or a physician?


I do have that documentation, yes.


Is your documentation from the Department of Veterans Affairs?


It is.


You will be able to use that documentation to show that you qualify for a TPD discharge.


Where can I find more in depth information about TPD discharges?


You can visit the website at disabilitydischarge.com for more information.


Hello, I would like to obtain information about Retirement Planning


Of course Planning is the key to creating your best retirement. You will have to plan and save for years to reach your retirement goals.


know the factors that can affect retirement planning?


if I want to meet them


We want you to understand what Social Security can mean to you and your family's financial future.


Well thank you. I'll keep that in mind. Who can help  me If I need assistance how to manage my benefits?


Just visit our contact us page for other ways to get support.


By the way, I would like to ask how do retirement benefits work?


Social Security replaces a percentage of a worker's pre-retirement income based on his or her lifetime income.s The portion of his or her pre-retirement wages that Social Security replaces is based on their highest earnings of 35 years And it varies depending on how much you earn and when you choose to start benefits.


Will benefits be reduced if you start receiving benefits before you reach full retirement age?


Of course, it is also important to know that the benefits are perceived from the age of 62.


The pre-retirement wages that Social Security replaces are based on what?


on your highest income of 35 years and varies according to how much you earn and when you choose to start benefits.


and what do you do with the unused money?


The unused money goes to a Social Security trust fund that pays monthly benefits to you and your family when you start receiving retirement benefits.


What types of income include special rules?


includes for example non-profit or religious organizations


Can you tell me about working while getting retirement benefits?


Sure, you know anything about it?


Not much, please tell me any relevant information.


This means that you can work while receiving Social Security retirement benefits or survivor benefits.


I those reasons are fair. May I know if my spouse is eligible for any benefits, including medicare, despite the fact that she did not work under social security. Is this possible?


Don't worry, if fact she can. Even if she never worked under SS, she can get benefits if is at least 62 of age and you are already receiving your retirement or disability benefits. In regard of medicare, she can qualify at age 65.


So, she can really qualify for those and really have them then?


Yeah. As said before, she can enjoy a benefit is she's 62 and you're already receiving a retirement or disability benefit, plus be able to qualify for medicare at 65.


Thanks, i just wanted to be sure. Oh, and how much will my spouse receive, given my benefit is higher, please?


If you have a higher benefit, your spouse will get an extra amount on your record. In that way. the combination of benefits equals that higher amount.


I see, i see, interesting thing. A last question, please. What happens if my spouse begin to receive benefits? There will be some effect?


Well, the immediate effect would be that the benefit amount will be permanently reduced by a percentage based on the number of months up to her full retirement age. That applies if she begins to receive benefits between age 62 and her full retirement age.


who are we really dealing with when we get a direct loan?


The U.S. Department of Education uses several loan servicers to handle the billing and other services on loans for the William D. Ford Federal Direct Loan Program


Did you have any questions on automatic debits?


nope I will pay another way


Would you like to know how to make a payment by postal mail?


no I want to know more about loans


what other loans do other places handle for you?


The U.S. Department of Education also uses several loan servicers to handle the billing and other services on loans for that were made under the Federal Family Education Loan Program and that ED later purchased .


Would you like information on repayment plan options?


no you answered what I needed thank you


I want to appeal a VA decision and need guidance


Would you like to know if you can request a Higher-Level Review?


yes


You can request a Higher-Level Review of an initial claim or Supplemental Claim decision.


I have another question about Higher-Level Review. What if I have more concerns about my decision evaluation?


You can get answers to frequently asked questions


What if I'm filing a supplemental claim?


you re adding new evidence that supports your case or identifying evidence for review . A reviewer will determine whether the new evidence changes the decision .


how do you file a supplemental claim?


I can assist you with learning how to file.


Is there an appeals process?


You will need to  Download VA Form 10182 : Board Appeal PDF


Have you previously requested a board appeal?


Yes


You 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 .


Is there anything I should know as someone with a blindness disability?


Yes, we consider a person to be legally blind if their vision can't be corrected to better than 20/200 in their better eye or if their visual field is 20 degrees or less, even with a corrective lens.


So, what if I don't meet the lagal definition of blindness?


You could still qualify for disability benefits if your visual problems alone or combined with other health conditions prevents you from working.


Ok, now I'd like to know how do social security decides if an adult child is disabled and can get disability benefits?


Is the child 18 years old or older?


yes, of course.


Their disability is evaluated the same way we would evaluate the disability for any adult. We send the application to the Disability Determination Services in your state and they complete the disability decision for us.


What if the adult child is already receiving disability benefits in his own record?


He still should check if he can get benefits on his parent's record. Higher benefits might be payable and he could be entitled to receive Medicare.


In what is based on the benefits I get from Social Security?


the benefits are based on the Social Security credits you get from your yearly wages or self-employment income. You can earn up to four credits per year?


Hello. I recently made some modifications to my vehicle, and would like to know if those have changed its class. It is registered as commercial.


Is your vehicle a Pick-up Truck?


That's right. A beautiful Pick-up.


Good. If your vehicle meet some requirements, based on its unladen weight, then you can register it as a "Passenger" class.


Do your vehicle's unladen weight is less then 6.001 lbs?


That would be a yes. It weights 5.765 lbs.


Excellent. That would be one of the criteria used, being the other ones the following: Vehicle doesn't have any business advertisements; and the truck is exclusively for non- commercial purposes at all.


That applies for those trucks that go over 6.000 lbs? I guess not, right?


You guessed right. For those, aside the non-commercial use, must meet the following: A camper top, with one or more side windows completely encloses the truck bed and having seats, seat fittings or camping equipment installed in the truck bed.


Good. Where can i see differences between classes?


You can refer to DMV Regulations and specifically on Part 106 of such rules.


I'll be able to find what kind of modification made possible that my vehicle be one or another class?


That's correct. Part 106 describes how your modifications affect your vehicle's class.


What if i have a van instead?


For those, vehicle must have at least one side window behind the drive and at least one seat or seat fitting.


I am looking for life insurance through the VA


We can help you find out which VA insurance programs may be right for you as a Veteran , service member , spouse , or dependent child


can I find out which options are suited for me so I don't waste my time on things I'm not qualified for?


We can help narrow it down for you, different programs cover Veterans, service members, and family members. There is also short-term financial coverage through TSGLI to help you recover from a traumatic  injury. And if you are 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.


are you ending your military tour of duty soon?


yes


You should act quick to make sure there is no break in your coverage. In some cases you must find insurance within 120 days of leaving the military so you are not left uninsured


which one is the insurance that we get when serving?


SGLI, Servicemembers Group Life Insurance offers insurance while you are serving


and which one offers insurance if we were disabled during our service?


S-DVI, Service-Disabled Veterans Insurance and it continues your life insurance beyond 2 years after you leave the military


what else do you have ?


VMLI, Veterans Mortgage Life Insurance will get you mortgage protection for a home that has been remodeled to meet your needs.


Does S-DVI last for up to 2 years or more than 2 years?


beyond 2 years after you leave the military


Hello I need information about Fees for a learner's permit and driver's license


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


do you live in the MCTD


Yes


What does the total rate include?


The driver's license application fee


How do I change my New York State driver's license for a driver's license in another state?


Attach a photocopy of your out-of-state driver's license to form MV-215   mail the form and required documents to the address on the form s   allow up to 12 weeks for refund to process


And what is the Fee for an improved driver's license (EDL) or an improved permit?


There is an additional $ 30.00 fee for an upgraded driver's license.


And what is the Fee to replace a driver's license or a learner's permit?


The fee to replace a driver's license or a learner's permit is $ 17.50.


How do you decide if I am working if I am disabled?


if you are working in 2019 and your earnings average more than $1,220 a month you are not disabled.


Yes, I make more than $1,220 a month.


Then you are generally not considered disabled because you can still make $1,220 a month.


do you know about the disability benefits planner? Can you give me information about this and the help you can give me?


This disability planner helps how you can qualify and apply for benefits and what happens if your application is approved


What about information for Attorneys?


There is information for Attorneys that are helping someone prepare a SS application


I am an Attorney helping what should I know?


Unfortunately, no relevant information is found.


I need information with Disablitly and supplemental security income


the medical requirements are the same under both programs


I need some information about exchanging my driver ID card. Can you please answer some questions I have?


Of course. Are you turning 21 soon?


No, you flatter me. I'm not that young anymore.


Are you currently expecting your new ID?


No, I know it will arrive sooner or later. I'm in no rush.


Would you like to know where we mail your ID?


No, I already know it will be sent to my address on record.


Would you like the document to be mailed to an alternate address?


Yes, that'd be great. Due to my job I'm abroad a lot.


Are you planning to apply either by mail or at an office?


Yes, by mail.


In that case you can ask that your replacement document be sent to an address that is different from the address on your document. You can't have it sent to a different address when you order online.


What if I want my non-driver ID to be sent to that address too?


You'll have to 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.


I need to know if DMV could contact me regarding my dial-in searches I do with my dial-in search account.


Yes, DMV can ask you about your dial-in searches. We do this to monitor compliance with the DIAL-IN Terms of Service.


What about if I didn't perform the search I'm asked about?


If you or any of the known users performed the search, you should contact us immediately. You have to respond to our inquiry about the dial-in search or your search privileges will be suspended until you respond.


What kind of documents or business records can I use to document my searches


Some examples are invoices, retainer agreements, consent forms, and surveillance reports, among other types of records. You should maintain these records to comply with our terms of service.


For title certificate, can I ask another question? What happens if a lien-holder obtains a copy of my title certificate?


In a number of states, a lienholder is in possession of the title certificate until the lien has been satisfied in full. When the lien has been satisfied, they then send the title certificate to the owner


Is your vehicle registered in NYS but the out-of-state title certificate is received by you from the lienholder?


Yes, this is the case


In this instance, you must send the title certificate to the Title Services Bureau. The DMV then send you a NYS title certificate. There is no fee applicable to this as you already paid for the title certificate fee when registering your vehicle


What are the other ways that my lienholder can remove the lien from my title certificate?


Is your lienholder an account holder with the DMV's ELT?


Yes, they are


Your lienholder can then file to have the lien removed electronically


I have several questions about voter registration and would be very happy if you could answer them.


Would you like to know if you're eligible to register to vote in New York State?


Yes, for starters.


To register to vote in New York State you must be a U.S. Citizen and 18 years old by the end of this year.


Can you please explain to me if is there any link between this proof I have to send and my discharge date?


Well, yeah. If your discharge happened before January 1, 1950, then you should submit a Honorable Discharge Form WD AGO 53, or WD AGO 55, or WD AGO 53-55, or just an "Enlisted Separation Paper"


Sorry, but did you say before January 1,1950?


That's correct. That applies if you were discharged before that date. In any case, a Certification of Military Service or NA Foro 13038 is valid too.


O.k, i'll keep that in mind. By the way, i heard something about a Enhanced ID?


Do you want to change your standard license while adding your veteran status?


No, i don't want that. Just checking by curiosity.


Hey there, I need to know a few things about loan consolidation.


Of course. Another 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.


Would you like to know how to consolidate a defaulted federal student loan into a new Direct Consolidation Loan?


No, thank you.


Unfortunately, no relevant information is found.


I'd like to know something else. What can you tell me about repayment in full?


Well, a third option for getting out of default is to repay the full amount of your defaulted student loan.


One more thing I may be able to switch payment plans to get a lower monthly payment, consider an income-based payment plan, change my payment due date, or get a deferral or forbearance .. ok I get it and can I simplify the refund with the consolidation?


Yes You may want to combine your multiple federal student loans into a single direct consolidation loan to simplify repayment. There may be trade-offs, so understand the advantages and potential disadvantages of consolidation before submitting the application


Loans, unlike most grants, scholarships or study and work funds, must be repaid under what conditions?


The first thing you should know is that before you owe from the Office of the Consumer Financial Protection is Read your promissory note.


and what is your promissory note?


It is a legal document. Signing a promissory note means that you agree to repay the loan in accordance with the terms of the promissory note.


I want to know what to do with the old plates I have on my cab once I get the new ones


Do you have one or both apportioned plates?


I have one and don't know where the other one is


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


I'd like to ask regarding Transfer IRP registration online.


You 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. How does it work online?


and can it be done over the phone?


You cannot transfer an IRP record over the phone. You can call the IRB with questions at 1 - 518 - 473 - 5834.


and by mail?


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


What if the new vehicle weighs more than the old vehicle?


If the new vehicle weighs more than the old vehicle, there are prorated registration fees for the weight difference, administrative fees for the vehicle license plate transfer, and fees for any fee increases that may have occurred since the original registration was issued. .


Is there a benefits planner geared towards retirement?


Yes there is, are interested in learning more?


Yes, I would like to learn things to consider regarding retirement.


What age would you consider to be the best to start your benefits?


I am not sure what age is best to start considering retirement.


What happens to my benefits if I stop working? Will I lose them?


You will lose your paycheck but you also may lose your employer provided health insurance although there are some exceptions to this.


What happens to my benefits if I have additional earnings on my record?


If you have additional earnings recorded, we will check to see if it increases your monthly benefit. If they do, we'll send you a letter alerting you to your new benefit amount.


What happens when I reach full retirement age?


When you reach full retirement age we calculate your benefit amount to give you credit for any months you did not receive a benefit due to your earnings.


What should I do about my benefits if I am in poor health?


If you are in poor health, you may want to consider starting your benefits at an earlier time.


What do I do for Exposure to specific environmental hazards


Have you been exposed?


no


Will I have illness if I was exposed?


you may have illnesses or other conditions believed to be caused by these toxic chemicals in the air , water , or soil


Who s covered?


Veterans are covered


How do I get these benefits?


You ll need to file a claim for disability compensation


will I have to show that my health problems are linked to that?


you ll have to show that your health problems are linked to your contact with certain environmental hazards while serving in the military


Can I get disability benefits from VA?


You 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


what can you tell me about Social Security Credits


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


what is the number of credits needed for retirement benefits


you were born after 1928?


not


Unfortunately, no relevant information is found.


What do I have to do to be eligible for disability benefits?


you must meet a recent work test and a duration work test


One other thing, about Social Security benefit, what does this mean when creating my 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.


Also to cover my illness, if I am legally blind, do I need to present the recent proof of work and the proof of work duration?


there is not a recent work test requirement .


I see. Another question on Social Security Retirement Plan registration, how can I protect myself from fraud?


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


Hi, if I have a disability can I qualify for a federal loan discharge?


Sure, in the event of a TPD discharge for total and permanent disability it frees you from having to pay a loan from the Federal Direct Loan Direct Loan Program.


But qualifying for a TPD download is primary.


Can you inform me of the requirements to qualify for a TPD download please?


Above all, it is important to complete and send a TPD download request, in addition to justifying the disability.


Can you explain more what was mentioned above?


This plan frees you from having to pay a loan from the William D. Ford Federal Direct Loan Direct Loan Program, a loan from the FFEL Federal Loan Program.


Pero es importante que primero califiques para la descarga de TPD.


Please can you tell me how I qualify for that plan?


First of all you have to make a TPD download request.


How do I carry out such a process?


In addition, a representative can submit a request on my behalf to facilitate the process.


I wonder if any family member can complete the whole process?


Sure, you can do the whole process.


Can you tell me what steps are followed after submitting a registration application for TPD?


Of course, after receiving the request you will be given the respective instructions.


Perfect I will make the request.


What if you are denied?


Have you been denied?


yes


you may request an appeal


Can I have more infomation on how to appeal?


visit Information About Social Security 's Hearings and Appeals Process


How do we know if we are denied?


When we made the first determination on your claim , [14] we sent you a letter explaining our determination


Is there any special number that I can contact if I have hearing issues?


Yes, you can call to the 1-800-325-0778, that's a free toll number.


Oh, good. Thanks. A last question, but also my spouse can receive the benefits?


Yes. Your spouse can receive benefits on your record, along with your parents.


I want to know about my disability rating now


okay, did you spend time in a VA hospital or a VA-approved hospital for a disability related to your military service?


yes I 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. We can help you find out if you can get this benefit .


will you be needing my hospital papers if I file a claim?


Yes, when you are filing your claims, you will need to give us your hospital discharge summary showing the length and cause of your hospital stay .


and I can get disability benefits from the VA?


Yes, if you meet the requirements you may be able to get disability benefits.


Would you like to see if you meet some of the requirements?


yes I do


Have you spent more than 21 days in a VA hospital or other approved hospital for a service-connected disability?


no I was there for 18 days


Were you under hospital observation for more than 21 days at our expense for a service-connected disability?


no I wasn't


Good day. Please tell me, what kind of services does your website offer?


There are many time-saving options available to you, in shape of many popular online services.


Do you need help with managing your benefits but you can't find the answer or service?


Yes, I can't find the right service.


Then you should visit our contact us page for other ways to get support.


Now I need to know if there are any other tools available to help me learn more about phishing. Can you tell me anything about phishing, as I've heard it's a thing?


For that, you can go to OnGuard Online section.


I will do it, thanks. Well, there have been some changes in my life, do I need to report them to you? I would have no problem doing it, just that I would like to do it if necessary


Yes, you should. 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.


Good to know. Do you happen to know about its benefits. can you give me a TTY number, please ?.


Yes, our TTY number is 1-800-325-0778


in regards to mySocialSecurity What are the topics covered on your website?


Understand Your Benefits / Inform Us Of Changes / Use Our Resources And Services To Stay In Control / Keep Your Information Secure, to name a few.


Eligibility for VA Vocational Rehab and Employment


Review 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


no I don't have disability that was caused or made worse by your active


ok i am wait


Review VA Vocational Rehab and Employment VR&E eligibility requirements for Veterans and active - duty service members


If I m a Veteran, am I eligible for Vocational Rehab and Employment?


You may be eligible for VR&E benefits and services if you re a Veteran


Didn t receive a dishonorable discharge


I received a dishonorable discharge.. I am not eligible?


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


What does Federal student Aid Acquisitions do?


Federal Student Aid Acquisitions plays an important role supporting Federal Student Aid's needs and program objectives.


What is it the Federal Student Aid Acquisition responsible for?


They are responsible for making sure they are efficient, in compliance with laws, regulations, and Executive Orders.


What does FSA rely on?


FSA relies heavily on information technology to support complex business process.


Where would I find acquisition notices and contract solicitations?


Active acquisition synopses, contract solicitations, and other info are available at FedBixOpps; which is the US Government's only point-of-entry for federal business opportunities.


What about testing services? Are any available?


Yes, we have the Enterprise Test Management Standards.


You've mentioned earlier that contractors must comply with your guidelines, is that all they need to comply with?


They must also comply with the policies and procedures specific to the U.S. Department of Education and Federal Student Aid.


I need to transfer an IRP registration.


I can assist you with that. Will you be transferring an IRP registration and apportioned plates?


No, just the IRP registration.


Unfortunately, no relevant information is found.


Can I transfer the IRP registration online?


Yes. You can apply to transfer an IRP registration online by using the New York State One Stop Credentialing and Registration system.


Can I request that the IRB transfer the registration when I buy a new vehicle?


Yes. When you buy or register your new vehicle, you can request that the IRB transfer the registration.


Can I get the IRP registration transferred at the customer service counter at the Albany DMV?


Yes. You can transfer an IRP registration there. Be sure to bring all items required to make the transfer.


What would I need if I transfer the IRP registration by mail?


You would need proof of ownership and proof of insurance form FS-20 for the new vehicle you will be adding to your account. You will also need a proof of identity.


Hello. Can you tell me something about the Retirement Estimator?


Of course. Would you like to know how the Retirement Estimator works?


Yes, that's what I've been wondering about.


Then let me explain it to you. The Retirement Estimator gives estimates based on your actual Social Security earnings record. Please keep in mind that these are just estimates.


Wait, those are just estimates though, right?


That is correct.


Got it. Can anyone use the Retirement Estimator?


Yes, as long as you fulfill the requirements. You need to have enough Social Security credits at this time to qualify for benefits, for example.


What if I'm only receiving Medicare benefits at the moment?


In that case you can still get an estimate.


Ah, I see. So, if I have enough Social Security credits, I can use the Retirement Estimator, right?


Correct. One of the requirements is that you need to have enough Social Security credits to qualify for benefits.


I lost my llicense


Did you receive an order from DMV saying your license was revoked ?


yes


Unfortunately, no relevant information is found.


is there somewhere I can look at more info on this?


You can look at Alcohol or drug related violations


One thing about my drivers license. How do I change my junior license to a senior one then?


Simply bring your junior license and the Student Certificate of Completion MV-285 that you received from your instructor to any DMV office. You must return your certificate and junior license to receive the senior license.


Regarding revoked driver's licenses, what does it mean that it is revoked?


It means your license has been cancelled and you must get a new one when the revocation period ends.


Thank you. I'd also like to know if the civil penalty is $350 if it happened before 2006.


the civil fine would be $ 350


Also for the driving license, what would be the main reasons for the suspension?


You might get a suspension if you did not have automobile liability insurance OR if you were convicted of an alcohol or drugged driving charge.


if my license gets suspended for no insurance could I just send proof by email or to your online site?


Yes, you can submit proof of insurance online


hello I need information about how to replace or transfer custom plates


want to know How do I replace or transfer personalized plates?


do not


Want to know if you can replace custom plates that are old or damaged?


Want to know if you can replace the custom plates I have now with different custom plates or plates with custom images?


You have a custom image plate and want to replace it with a different image plate. and want to keep your current custom combination and use it on your new imaging plate?


Yes


yes, if the plate category you want allows custom combinations that contain the number of characters on your current plates


Hey, how you doing?. I heard that you can get your veteran status printed on your license. How come?


Indeed, you can have that. All you need to do is to provide proofs that you has been honorably discharged. You can use Form DD-214 from U.S. Department of Defense.


That's great. Is there any charge or fee to pay if i do this?


Not at all. I you apply and were charged a document fee, then you're entitled to a refund for the fee you paid.


This proof i have to submit, it has something to do with it my discharge date?


Well, yeah. If your discharge happened before January 1, 1950, then you should submit a Honorable Discharge Form WD AGO 53, or WD AGO 55, or WD AGO 53-55, or just an "Enlisted Separation Paper"


Sorry, but did you say before January 1,1950?


That's correct. That applies if you were discharged before that date. In any case, a Certification of Military Service or NA Foro 13038 is valid too.


O.k, i'll keep that in mind. By the way, i heard something about a Enhanced ID?


Do you want to change your standard license while adding your veteran status?


No, i don't want that. Just checking by curiosity.


What happens when I retire earlier than 65 years of age?


You can retire at any time before the age of 62 and full retirement age.


Do you want to start your benefits early at the age of 62?


No, I would not like to start benefits early at age 62.


Unfortunately, no relevant information is found.


What are the pros and cons of taking benefits early?


The advantages of taking benefits early are that you collect them for longer period of time.  The disadvantages is your benefits will be reduced.


I have another question for you about Retirement Benefits. Could you tell me what the Retirement Planner is?


It consists of learning what is necessary to qualify for the benefit.


Perfect, what else should I know?


So we recommend using the Survivor Planner.


How can I estimate the benefit?


It is vital that you use one of our benefit calculators to estimate your future retirement, disability and survivor benefits.


Can you please tell me more about the county use taxes?


This is the tax that applies to all residents of New York City and several counties in New York for the registration or renewals of a commercial vehicle


Can you tell me how to determine the fees for a commercial vehicle?


For that, you can use the registration fee and the county use tax charts.


I see what you mean. I'd like to ask you another question. in the case of MCO So, what if my car isn't subject to the California pollution standard?


Then you or the automobile dealer can complete form MV-74 to certify the exemption, provided you meet all the requirements.


I see. What if I'm a NY resident who serves in the army and stationed in another state?


*makes no sense*


Can you perhaps tell me where to find additional information? Are there any resources?


The NY State Department of Environmental Conservation website www.dec.ny.gov has the regulations for the California emissions standards and other motor vehicle emissions standards See Regulations, Part 218.


I'll take a look at that website later. Let me redundantly ask the same question once more.


I need help with an expiring temp registration on a car


Is this a situation where you can not get the title certificate for a vehicle you sold and the temporary registration expires soon?


no


can you also check on what the title certificate will have on it for a rebuilt 09 Mustang that we salvaged?


If a title certificate is issued it will receive a brand that displays "REBUILT SALVAGE:NY".


How do we get a surety bond?


You will have to contact a surety insurance company.


another thing I wanted to ask is how do we know how much our bond will be?


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.


also, what should we put down for price on a car we sold wholesale when we're doing the retail certificate of sale?


You don't need the selling price on form MV-50 when a vehicle is sold wholesale.


What exactly is a TNC?


The TNC is actually the transportation network company and is a business know as a rideshare company, licensed by DMV.


What types of trips are TNC licensed through the DMV?


TNC companies are licensed by the DMV to use a digital network to connect passengers to the drivers for prearranged trips.


What insurance is required to be a TNC driver?


The TNC companies take care of the understanding of insurance needed.


Are you interested in being a TNC driver?


No, not at this time.


What if I am licensed to operate for hire by the NY City taxi and limousine commission, can I work at a TNC driver outside of NY City?


Yes you allowed only if you are authorizd by a licensed TNC company and if you use a different vehicle than you drive for hire in NY City.


Can I pick up passengers in NY City if I am an authorized TNC driver?


You can if you are separately authorized by the NY City Taxi and Limousine Commission; but otherwise no.


Am I allowed to drop off a TNC passenger in NY City that I picked up outside the City if I am an authorized TNC driver?


Yes you are allowed.


can you give me details of VA pension benefits


VA pension benefits are available to some wartime Veterans and their survivors see if you 're eligible to apply


Do you want to know the details of this page?


yes


On this page Get VA pension benefitssManage your pension benefitssMore information and resources


give me information on this point "Manage your pension benefits"


Check your VA claim or appeal statusCheck the status of an open claim for VA disability compensation or pension benefits


give me information on this point "Get VA pension benefits"


Eligibility for Veterans PensionSee if you qualify for VA pension benefits as a Veteran


I need more details


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


give me information on this point "Other VA benefits and services"


VA health careFind out how to apply for and manage your VA health care benefits


As a solitary veteran's pension


How to apply for a VA pension as a VeteranFind out how to prepare and apply for a VA Veterans Pension


I'd like information on how to apply for a Veterans Housing Assistance Grant please.


Yes we have information applying for a housing grant as a Veteran or Servicemember with a service - connected disability.


Would you also like information about our other services?


Do you have anything about Vocational Rehabilitation and Employment VR&E?


Yes we will show you how to file a claim for Disability Compensation Pay for conditions related to your military service.


How does it impact my home loan with VA?


If you have a VA direct or VA-backed home loan or Specially Adapted Housing grant, we can show you how to get help.


Are there any additional charges implied?


You will be able to find out if you need to pay a VA Loan Funding Fee fee when using your home loan benefits.


I'm in rehab and will need to look for a job soon, can you help me?


Some of the VR&E benefits and services we offer include exploring employment options and getting more training if required.


Where do I call to get one on one help?


You can all the National Call Center for Homeless Veterans to talk in private with a trained VA counsellor for free. The number is 877-424-3838 for help 24 hours a day, 7 days a week.


How can I continue receiving Disability benefits?


In most cases, you will continue to get your benefits as long as you are disabled.


What would cause me to not receive benefits anymore?


Two things can cause us to decide that you are no longer disabled and to stop your benefits.


How often do you review my case?


In general, your benefits will continue as long as you are disabled and we review your case depending if your condition is expected to improve.


I see, now regarding applying for benefits online, what happens or should be done if my application cannot be processed online?


Then we would send you specific information on how you would go about contacting us by phone or schedule an appointment.


What if I want an estimate for survivors or disability benefits and do not all ready have enough Social Security credits to qualify?


You can use one of our benefit calculators to estimate your future retirement, disability, and survivor's benefits.


Could I qualify for spouse's benefits even if I never worked under Social Security?


Yes, even if you never worked under Social Security you could qualify for benefits.


What is available for me to estimate my student aid?


Are you not ready to apply for federal student aid, but want an estimate for future reference?


Yes, I am not ready and just would like an estimate.


Then you are fortunate enough to get an estimate with FAFSA4caster.


Is the FAFSA4caster free?


Yes, the FAFSA4caster is free and gives you an estimate of your eligibility for federal student aid and once you are ready to apply fill out your FAFSA form.


Am I allowed to compare schools?


You are certainly able to compare schools by changing the cost of attendance, deleting state aid if you will be an out-of-state student, or modifying the amount of aid available from the school, among others.


Will FAFSA4caster help me understand my options?


Yes, it is a helpful tool for each person who is not yet ready to fill out a FAFSA form and really is intended for juniors or even younger so parents can start saving up for funding.


Is info provided by FAFSA4caster able to help apply for aid?


It is basically just information to show what you could receive in the future and is not an application for aid.


Hello, How can I get VA direct or VA-backed home loan?


Applying 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.


Do you want to know who will be your lender?


Yes, tell me, please.


For most loans, the lender will be a private bank or mortgage company.


How do I prepare before starting my application?


you'll need a statement of service signed by your commander, adjutant, or personnel officer.


who would be the lender if I have the Native American Direct Loan?


In this case, we'll be your lender.


How can I apply for a VA home loan Certificate of Eligibility?


I see. Then I will be aware of the signed declaration of service. How else can I get a COE?


If you served during World War II, you may be eligible.


Learn how to apply for a VA home loan Certificate of Eligibility COE. It confirms for your lender that you qualify for the VA home loan benefit.


What are the next steps in obtaining a VA-backed or direct home loan?


Your next steps will depend on the type of loan you re looking to get and on your lender.


Hi there I'm reaching some information about how to do a IRP registration transfer.


Do you also want to transfer an apportioned plate?


Yes, I would like some help with that too, please.


No problem. You need to know that the request of the IRB transfer is when you buy or register the new vehicle.


Also, I need to find out is there an insurance program? . Well. What if both plates are lost before I can send them back?


In that case you'll need to get the form Report of Lost or Stolen Motor Vehicle Items (MV-78B) from a police agency.


I thought so. And if they were not just lost, but stolen?


You'll have to 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.


Is it possible to do applications by mail?


Yes, you can apply to replace IRP registration items by mail. Follow the instructions on our page and schedule A&C (IRP-6).


What about making an application at the DMV?


You're always welcome to visit us. Our customer service counter is open 8:00am to 3:45pm, Monday through Friday, except state holidays.


Just had surgery and I wanted to ask some questions about my disability rating


Okay, so you are recovering from surgery or a disability related to your military service that has left you unable to move ?


yes, but it's complicated but yes


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


Ok, fine. Now, regarding the temporary disability rating. very well and to receive my annual payment I must do


You must qualify before August 1 of this year. You may be able to get more than one payment if you meet at least one of the requirements listed below.


For more information, what number should I call and what hours


Call us at 800 - 827 - 1000, Monday through Friday, 8:00 a.m. at 9:00 p.m.


can i get more than one payment?


yes but do you have more than one prosthetic or orthopedic device?


yes


Yes You may be able to get more than one payment


What if Your clothing has been damaged by your prosthetic or orthotic device such as a wheelchair or by the medicine you are taking for a skin condition?


if that's the case you can 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


Hi, do I need information regarding Disability Benefits?


There are several disability benefits that you can get.


Perfect, what else do I need to know?


I recommend that you obtain information and services to manage your benefits online.


What if you are already receiving benefits?


You should search for information online.


What data are you requesting?


Names, addresses, phone numbers, patient identification numbers and treatment dates are primarily requested from all doctors, hospitals and clinics.


Hello, do I need information on the documents to submit for disability benefits?


Documents are normally requested in order to demonstrate that you are eligible.


In addition, a birth certificate or other proof of birth is vitally important.


Where can I find more information?


You are required to present Evidence of US Citizenship.


Hey, what's going on?. Look a friend of mine told me about possible employment from VA. Where can i get more information?


Hi there. Those benefits are for those eligible veterans participating in the Voc Rehab program, and includes a certain amount of money for basic needs like food and clothing.


Beside this, are you interested in to know other VA benefits and services?


Yeah, that would be nice, thanks.


Good. On that regard, you have the GI Bill benefits to help you pay for school or training.


That sounds cool. Hey, i wanted to know, what about if i want to pursue a career?


Well, you would have to go and match your skills first. You can use Career Scope to do that online and see if you may enjoy and succeed in your career.


Terrific. Tell me more, please. What other things can you offer to me?


Sure, we have many other educational programs and assistance if you are a veteran, reservist or national guard who doesn't qualify for the post 9/11 GI Bill.


And if i have a disability?


You may qualify for a benefit.


In those other program?


Yeah.


I want to find out if I can get VA pension benefits through my husband and how it works


A VA Survivors Pension offers monthly payments to qualified surviving spouses of wartime Veterans who meet certain income and net worth limits set by Congress. We can help you find out if you qualify and how to apply.


and it can offer help to the kids of veterans too?


Yes, unmarried dependent children of wartime Veterans who meet certain income and net worth limits set by Congress


can I go to your offices when I have time to do the application?


Yes, you can bring your application to a VA regional office near you . We can help you find a VA regional benefit office near you


what does the son of a veteran that has passed away need to be able to qualify for a VA survivors pension?


To be eligible for this benefit they must be unmarried and meet at least one of the requirements.


One more thing for Veterans Pension benefits, what other requirements must I meet?


ever received a dishonorable discharge?


do not


you are not eligible to be eligible for VA Veterans Pension benefits. sorry


What should I do if I received a license that is not honorable, misconduct, or dishonorable?


If you received one of these discharge statuses, you may not be eligible for VA pension benefits.


I need help with benefits.


What would you like to know about the Government Pension Offset?


What is a GPO?


Do you have pension for work not covered by Social Security?


Yes, I do.


Then Social Security benefits from your spouse's record may need to be reduced.


Another question about Social Security retirement benefits, when can I increase for late retirement?


Have you reached full retirement age?


no


Unfortunately, no relevant information is found.


What '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


Do I need to sign up?


in some circumstances your Medicare coverage may be delayed and cost more


Hello there. Hope you're doing well. I came here to find out if I can keep doing the job I did before.


Of course. At this step, we decide if your medical impairment prevents you from performing any of your past work. If it doesn't, we'll decide you don't have a qualifying disability.


What if it does?


Then we'll see if you can do any other type of work.


I'd also like to learn more about Benefits Planner. What happens if I return to work?


Are you like most people and want to go back to work?