Showing posts with label civil service retirement system. Show all posts
Showing posts with label civil service retirement system. Show all posts

Monday, October 1, 2012

Division Military Retirement Benefits

Images of Division Military Retirement Benefits

A R - Brian Mork Increa V13.92
Divide military retirement benefits, and it further chose to protect the affected service members by establishing procedural safeguards, that, at the time, were meaningful. Specific Formulas for Division of Retirement Benefits ... Fetch Full Source

Division Military Retirement Benefits Photos

Retirement Facts
Retirement benefits, you may want to refer to the detailed discussion and examples of the compari-son of these three annuity computations in “Retire- · Retirement Facts #2 - Military Service Credit Under the Civil Service Retirement System ... Read More

Usmilitary.about.com
Income tax information, military pay charts, retirement pay, military retirement, money matters, related resources, finance. Careers; US Military. Search. US Military; Enlistment; Pay / Benefits; Build a Pay and Benefits; Publications & Regulations; Military Humor; Justice, Law & Legislation; Family & Domestic; Off ... Read Article

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Updated December 9, 2004 - GlobalSecurity.org - Reliable ...
Division of Military Retired Pay in Divorce Settlements The Uniformed Services Former Spouses ’ Protection Act (hereafter referred to Military Retirement and Separation Benefits: Major Legislative Issues, by Robert L. Goldich, updated regularly. ... Doc Retrieval

Division Military Retirement Benefits

Divorce And Division Of Retirement Pay.doc
Division of military retired pay. Military retirement pay can be divided by a U.S. state, territorial, or federal court of competent jurisdiction. retirement pay. Disability benefits are not part of the service member’s ... Doc Retrieval

Photos of Division Military Retirement Benefits

Dividing Military Retired Pay: Disability Payments And The ...
The division of military retired pay at divorce with a spouse or former spouse is a crucial issue in most cases. “‘All military retirement benefits’ is neither defined in the MDA nor a term of art with an established definition. Irre- ... Retrieve Doc

Images of Division Military Retirement Benefits

Military Pension Division 2010: Explain It To The Client ...
Retirement method of deferred division of retirement benefits. As a result of this drafting, all post-separation service and promotions will be "tacked on" to the  Master Checklist for Military Retirement Benefits - overview of benefits arising out of military ... Visit Document

Division Military Retirement Benefits Images

DIVIDING MILITARY RETIRED PAY - DFAS Home
Requirements to govern the division of military retired pay. Congress sought to make a fair military retirement benefits as of the date of the divorce.” This example is similar to example (2) above. As with example (2), since military retired ... Document Viewer

Photos of Division Military Retirement Benefits

Crediting Post-1956 Military Service HRSC EAST EMPLOYEE ...
Retirements and Benefits Division, Code 43 Norfolk Naval Shipyard, Building 17 Portsmouth, VA 23709-5000 A deposit is always required to credit post-1956 military service toward CSRS retirement length of service requirements and monthly retirement annuity computations. ... Doc Retrieval

Research And Development - Wikipedia, The Free Encyclopedia
Military communications; Military engineering; Stealth technology; Transport: Aerospace engineering; Automotive engineering; Naval architecture; Space technology; Traffic engineering; Transport engineering; Other applied sciences: Cryogenics; Electro-optics; Electronics; ... Read Article

Division Military Retirement Benefits Photos

Fact Sheet #1 EP-0129-0712 A PUBLICATION OF THE NEW JERSEY ...
A PUBLICATION OF THE NEW JERSEY DIVISION OF PENSIONS AND BENEFITS July 2012 — Page 1 Fact Sheet #1 qualify for an Ordinary Disability retirement. Military Veterans and Non-Veterans If you qualify as a non-veteran, you are eligible to ... Fetch Full Source

Men's Legal Center - YouTube
* Complicated Property Division Matters * Real Estate Issues * Retirement Benefits * Military Divorces * Spousal Support/Alimony * Settlement Agreements * Annulments * Prenuptial Agreements. Category: Comedy. Tags: Men's; Legal; Center; ... View Video

Division Military Retirement Benefits Photos

Divorce In The Military - Whitaker-Law - Home
Its own jurisdictional requirements for division of military retirement benefits.3 In pleading and practice, the domestic relations attorney should not confuse the Georgia domestic relations long-arm statute4 with the jurisdictional requirements ... Access Content

Atlanta GA Military Divorce Lawyer Marietta Military Benefits ...
Atlanta GA Military Divorce Lawyer Marietta Military Benefits Attorney Georgia Subscribe Subscribed Unsubscribe. Loading Division of Pension & Military Retirement and Family Relocations. Category: People & Blogs. asset division; License: Standard YouTube License 0 likes, 0 dislikes ... View Video

2005 Military Pay And Benefits - United States Military ...
Military pay and benefits; military retirement pay; Following are the paycharts which shows monthly retirement pay for military members who retire during 2005. Military personnel can retire after 20 years of active duty service. ... Read Article

State Income Tax Guide For Military Members - DELAWARE
Different states have different rules for taxing military pay and military Del. Division of Revenue 820 French St. Wilmington SBP benefits are taxed. Visit Web Site. Subscribe to the Newsletter: Name: Email: Related Articles. State Income Tax Guide for Military Members ... Read Article

Division Military Retirement Benefits Images

EATURES Taxing The Division Of Military Retirement Pensions
Taxing the Division of Military Retirement Pensions by Craig D. Bell and Arthur C. Bredemeyer. Virginia Lawyer 25 to her in lieu of her community property interest in the military retirement benefits. She argued that she received cash settlement ... View Full Source

Photos of Division Military Retirement Benefits

COURT OF APPEALS DIVISION 11 OF THE STATE OF WASHINGTON LLOYD ...
Division of military disability benefits in divorce cases mandated by 10 U.S.C. 5 1408, and the United States Supreme Court's decision in Mansell v. husband's military retirement benefits. CP 1-2. In March of that year, ... Read Content

Division Military Retirement Benefits

Master Checklist For Military Retirement Benefits
About division of military retirement benefits. It will help you learn how military retired pay works, understand the Survivor Benefit Plan, and learn how to accomplish the allocation and division of military benefits. ... Document Viewer

Division Military Retirement Benefits Images

A Guide To CalPERS Community Property
Model Order C – Division of Benefits for Retired Members Only. www.calpers.ca.gov 3 INTROD uCTION • Military service retirement benefits and defines that interest as those retirement benefits ... Fetch Here

Division Military Retirement Benefits

A DIALOGUE ON DIVIDING MILITARY PENSIONS By Mark E. Sullivan ...
“The defendant hereby objects to the division of his military retirement benefits in this court proceeding, based upon 10 US Code Section 1408 ( c)(4). His domicile is in Kansas, not in East Carolina.” Q. What about that third test? ... Access Doc

Division Military Retirement Benefits Images

A SUMMARY OF MAJOR MILITARY RETIREMENT REFORM PROPOSALS, 1976 ...
Library of Congress – Federal Research Division Military Retirement Reform Proposals . LIST OF ABBREVIATIONS AND ACRONYMS . BAH—Basic Allowance for Housing military and retirement survivor benefits, the future costs of military retirement must be taken ... Access Full Source

Divorce: Military Divorce- Griffith Law - YouTube
You'll have to talk to an attorney in the state where your home of record is to figure out what they say about the division of military retirement. 6:51 OFFE / Protection of Veteran's Disability Benefits in Divorce by MrJerebeery 2,310 views; ... View Video

Division Military Retirement Benefits

Uniformed Services Former Spouses’ Protection Act
Military Retirement Benefits as Community Property: McCarty v. McCartyEX. T, 13 TECH. L. REV. 212 (1982). 53 Fred Barbash, Justices Rebuff Divorcee on PensionASH. division of military retirement pay,97 the Court had to determine whether to ... Retrieve Doc

Monday, September 24, 2012

Office Personnel Management Retirement Benefits

Images of Office Personnel Management Retirement Benefits

Retirement Facts Survivor Benefits Under The Civil Service ...
Office of Personnel Management Retirement and Insurance Service RI 83-5 Retirement Facts 5 - Survivor Benefits Under the Civil Service Retirement Service Page 1 of 4 Computing Retirement Benefits Under the Civil Service Retirement System 8. ... Read More

Pictures of Office Personnel Management Retirement Benefits

Applying For Immediate Retirement Under The Federal Employees ...
Health Benefits Program, and the Office of Personnel Management (OPM) will pay the Government share of the premium. Long Term Care Insurance U.S. Office of Personnel Management Retirement Operations P.O. Box 440 Boyers, PA 16017-0440 ... Document Retrieval

Office Personnel Management Retirement Benefits Images

Agreed-Upon Procedures: Retirement, Health Benefits, And Life ...
Subject: Agreed-Upon Procedures: Retirement, Health Benefits, and Life Insurance Submitted to the U.S. Office of Personnel Management Dear Mr. McFarland: This report presents the results of the Agreed-Upon Procedures performed on the subject ... Read Full Source

Office Personnel Management Retirement Benefits

Application For Death Benefits Federal Employees Retirement ...
Get a copy from the Office of Personnel Management [OPM]. You can either write to the Office of Personnel Management of OPM, FERS, P.O. Box 200, deceased person's FERS retirement or survivor benefits? Yes, on record at OPM Yes, attached No 3. ... Access Full Source

Inspector General - Wikipedia, The Free Encyclopedia
Office of Personnel Management (OPM-OIG) Railroad Retirement Board (RRB-OIG) Small Business Administration (SBA-OIG) Social Security Administration (SSA-OIG) State ... Read Article

Office Personnel Management Retirement Benefits Pictures

Helpful Retirement Websites And Phone Numbers
Office of Personnel Management (OPM): Phone: 1-888-767-6738 Federal Employees Health Benefits Program (FEHB) Main Website: http://www.opm.gov/insure/health FEHB and Medicare: Helpful Retirement Websites and Phone Numbers ... Return Doc

Employee Resignation Letter Example - Job Search, Interview ...
I am writing to notify you that I am resigning from my position as Personnel Manager with Acme Company. How to Maintain Appropriate Relationships With Management. Letter and Email Writing Tips. Salary / Benefits / Legal; Work at Home Jobs; Job Searching. About.com; Careers; ... Read Article

Office Personnel Management Retirement Benefits Pictures

Rodney G. Davis, Appellant, V. Office Of Personnel Management ...
Office of Personnel Management, Agency. OPM Claim No. CSA 4 418 866 . October 29, 2009 . James R. Filyaw, Esquire, Fort Smith, Arkansas, for the appellant. Karla W. Yeakle, Washington, D.C., for the agency. BEFORE . retirement benefits. Id. ... Read Full Source

Office Personnel Management Retirement Benefits

We Provide retirement Information On The Inter­ You May Also ...
Retirement benefits). Former Employee Anyone no longer on an agency’s employment rolls at the time of death who had not yet U.S. Office of Personnel Management Retirement Operations Center P. O. Box 45 Boyers, PA 16017-0045. 8 ... Fetch Here

Office Personnel Management Retirement Benefits

Retirement Facts 13 CSRS Offset Retirement
By the Office of Personnel Management. Discontinued Service - Your separation must be involuntary and not a retirement benefits. Exception: If you retire (other than on disability) while owing a redeposit of a refund for service that ... Doc Retrieval

Office Personnel Management Retirement Benefits Images

Lack Of Autism Coverage Leaves Parents Upset
At first glance, the Office of Personnel Management’s decision to permit the Federal Employees Health Benefits Program (FEHBP) to cover a certain autism treatment next year seemed like an important step forward. Read full article >> ... Read News

Pictures of Office Personnel Management Retirement Benefits

CAUTION - NIH FORMS
The Office of Personnel Management prepared this package for individuals who want to apply for survivor benefits based on the death of a Civil Service employee, former employee, or Death Benefits Application for Retirement System Civil Service CSRS ... Document Retrieval

Office Personnel Management Retirement Benefits Images

OFFICE OF MANAGEMENT AND BUDGET - The White House
Benefit cost factor is based on actuarial analyses provided by the Office of Personnel Management (OPM). This adjustment reflects a decrease in civilian retirement benefits that is slightly greater than an increase in insurance and health benefits. ... Fetch Doc

Service Officer Guide - National Active And Retired Federal ...
Writing to Office of Personnel Management, Retirement Operations Center, Boyers, PA 16017. Bulk supplies are not available. However, Retirementbenefits specialists in the National Office and the Retirement Benefits Service Department maintain regular and frequent personal contact ... Document Retrieval

Security Guard - Wikipedia, The Free Encyclopedia
Security guards are usually privately and formally employed civilian personnel. including senior management personnel. Once arrested, the suspect must be delivered to a police office as soon as possible. ... Read Article

Office Personnel Management Retirement Benefits Images

DoD Instruction 1400.25-Volume 1408, July 21, 2009
DoD policy, responsibilities, and procedures for NAF employee insurance and retirement benefits programs. (2) Cancels and incorporates Chapter 6 and Appendix 2 of DoD 1401.1-M (Reference (c)). Office of Personnel Management Retirement and Insurance Service Benefits ... Fetch Document

Anh Ngữ đặc Biệt 509 Economics (VOA) - YouTube
He told the Committee on Homeland Security and Governmental Affairs that the Post Office could need more money billion dollar payment to the Treasury to pre-fund retirement retiree health benefits. of the federal Office of Personnel Management which supervises federal ... View Video

Post Office Reform - Inventors
Personnel: It established a The Civil Service retirement program was retained. The Act established the policy that the Postal Service would maintain compensation and benefits for its officers and employees on a standard of comparability to that offered by the private sector for similar levels of work. ... Read Article

Navy Regulations - United States Military Information
Pay / Benefits; Build a Career; Filed In regulations, and policies, such as OPNAVS and SECNAVs. OPNAV 1100.5, ARMED SERVICES MILITARY PERSONNEL ACCESSION TESTING PROGRAMS. Adoption Reimbursement. OPNAV 1754.4 VOLUNTARY RETIREMENT AND TRANSFER TO THE FLEET RESERVE OF MEMBERS OF THE ... Read Article

Documentation In Support Of Disability Retirement Application
Important: If Social Security awards you benefits, your payments from OPM must be reduced starting on the date the Social Security award started. U.S. Office of Personnel Management Retirement Operations Center P.O. Box 45 Boyers, PA 16017-0045 ... View Document

Electronic Data Systems - Wikipedia, The Free Encyclopedia
Perot’s goal was to establish a company that offered high-end electronic data processing management personnel, and CEO, remained at the helm and reported to HP CEO Mark Hurd until his retirement. As of 2008, EDS employed 139,000 of office and data center space on 270 acres (1 ... Read Article

Office Personnel Management Retirement Benefits Images

Applying For Death Benefits Under The Federal Employees ...
Filed an application for retirement benefits). An individual who was eligible for an immediate retirement when he/she separated from Federal U.S. Office of Personnel Management Change-of-Address Section P.O. Box 440 Boyers, PA 16017-0440 ... View Full Source

Office Personnel Management Retirement Benefits Images

Retirement & Office Of Insurance Personnel Service Management
Retirement benefits are also available to you or your survivors if you are disabled The U.S. Office of Personnel Management (OPM), which administers both the Civil Service Retire - ment System and the Federal Employees Retirement System, would coordinate ... Fetch Document

Images of Office Personnel Management Retirement Benefits

United States Office Of Personnel Management
Office of Personnel Management The Federal Government’s Human Resources Agency Retirement and Insurance Service Benefits Administration Letter Number: 05-102 Date: February 28, 2005 Subject:: Revised Present Value Factors and Discount Factors The ... Get Content Here

Images of Office Personnel Management Retirement Benefits

GAO-09-727 Federal Law Enforcement Retirement: Information On ...
Retirement benefits; and Other personnel refers to all other federal personnel that are not employed in Office of Personnel Management’s (OPM) July 2004 report to Congress entitled, Federal Law Enforcement Pay and Benefits. The information ...

Jobs: Quitting & Getting Fired : How to Write a Resignation Letter










Writing a resignation letter to maintain good report includes being respectful, keeping it short and thanking the company for the time working there. Write a resignation letter with tips from a human resources specialist in this free video on job etiquette.

Expert: Wade Childress
Contact: www.thehospice.org
Bio: Wade Childress is the vice president of the Career Center for the Hospice of the Florida Suncoast.
Filmmaker: Christopher Rokosz


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Photos of Office Personnel Management Retirement Benefits

Testimony By Agency Officials Personnel Management
STATEMENT OF WILLIAM E. FLYNN, III, ASSOCIATE DIRECTOR HOUSE OF REPRESENTATIVES on RETIREMENT BENEFITS FOR LA United States Office of Personnel Management ... Access Doc

Thursday, September 20, 2012

Military Retirement Benefits Disability

Military Retirement Benefits Disability Photos

US ARMY NAF EMPLOYEE RETIREMENT PLAN - The Official Home Page ...
Joining the Retirement Plan 3 Military Service Credit 4 Vesting 7 Participation Begins 7 Participation Disability benefits: The Disability Retirement benefit cannot exceed 90% of high 3 average earnings, when added to Workers’ ... View This Document

Images of Military Retirement Benefits Disability

Military Service And Social Security - The United States ...
Because of your military retirement benefits. You’ll get your full Social Security benefit based on your earnings. Social Security and Medicare taxes. because of a disability or injury received in the line of duty; or • You are still on active duty; or ... Doc Viewer

Military Retirement Benefits Disability Pictures

FERS - The Official Home Page Of The United States Army | The ...
INFORMATION FOR DUAL STATUS (MILITARY) TECHNICIANS WHO LOSE MILITARY MEMBERSHIP DUE TO A MEDICAL CONDITION. OPM may require information each year on earnings while you are receiving disability retirement benefits. Earning capacity is considered restored if, ... Fetch Full Source

Medical Separation And Retirement - United States Military ...
Pay / Benefits; Build a Career; Share; Free US Military Newsletter! Sign Up. Discuss in my forum. Military Disability (Medical) Separations and Retirements. By Rod Powers, About.com Guide. See More About: SEPARATION OR RETIREMENT FOR PHYSICAL DISABILITY, ... Read Article

Military Retirement Benefits Disability Photos

Retirement Facts
Credit for Military Service . . . . . . . . . . . 5 Disability your retirement benefits. Exception: If you retire (other than on disability) Disability Retirement Under the Civil Service Retirement System (RI 83-4) ... Retrieve Content

Military Retirement Benefits Disability Photos


VA Disability Benefits you may be entitled to. It’s mostly based on personal experience, highlighted in a few instances through the use of open sources to illustrate a point. Military Retirement/Separation Physical. ... View Full Source

Timeline Of disability Rights In The United States ...
The promotion of vocational rehabilitation and return to civil employment of disabled persons discharged from the U.S. military. This protected their benefits by freezing their retirement benefits at their pre-disability level. 1956 ... Read Article

Medicare (United States) - Wikipedia, The Free Encyclopedia
Military Health System / TRICARE; Medicare; Medicaid / State Health Insurance Assistance Program (SHIP) They are under 65, disabled, and have been receiving either Social Security SSDI benefits or Railroad Retirement Board disability benefits; ... Read Article

Military Retirement Benefits Disability

Government Employee Retirement Systems - The United States ...
Maintain programs that provide retirement, disability, and survivor benefits for their employees. Many of these jurisdictions also receive military retirement benefits and medical care through the Department of Veterans Affairs. Federal ... Retrieve Document

Military Retirement Benefits Disability Pictures

Wonkbook: Austerity-crisis Negotiations Stall Out
Welcome to Wonkbook, Ezra Klein and Evan Soltas's morning policy news primer. To subscribe by e-mail, click here . Send comments, criticism, or ideas to Wonkbook at Gmail dot com. To read more by Ezra and his team, go to Wonkblog . Read full article >> ... Read News

Images of Military Retirement Benefits Disability

CRS Issue Brief For Congress - GlobalSecurity.org - Reliable ...
Military retirement benefits as a place where substantial budgetary savings could be made. As noted below, Congress took the initiative in 1999 to repeal the “Redux” cuts in future military Military Disability Retirement and VA Disability Compensation: ... Read Document

Military Retirement Benefits Disability Pictures

Retirement/ Disability Retirement - South Carolina Public ...
Does not include non-qualified service, federal employment, military service, out-of-state employment, 2012 Insurance Benefits Guide www.eip.sc.gov Employee Insurance Program 185 Insurance Benefits Guide 2012 Retirement/Disability Retirement. ... Fetch Doc

Pictures of Military Retirement Benefits Disability

CRS Issue Brief For Congress - GlobalSecurity.org - Reliable ...
The military retirement system includes benefits for retirement after an active or re- Military Retirement and VA Disability Benefits: Budgetary Issues.) (2) Eliminating or reducing this offset would “be sticking the camel’s nose into the ... Access Full Source

Pictures of Military Retirement Benefits Disability


Loss of military membership) 5 USC 8412 (f) Unreduced. No FERS Annuity Supplement is payable on a deferred retirement. DISABILITY Social Security Retirement Benefits Monthly benefits payable if you are retired and at least age 62. ... Document Viewer

Death In Service Vs. After Service-Do Survivor's Benefits ...
DIC Benefits paid to a dependent spouse are the same whether the person died in the service 1:08 Watch Later Error Can a veteran get military retirement pay & VA compensation? by 1:39 Watch Later Error A Disability Client Talks About Jackson & MacNichol by ... View Video

Military Retirement Benefits Disability Images

Concurrent Receipt Of Military Retired Pay And Veterans ...
1 Military Retirement and Veterans Compensation: Concurrent receipt Issues, by Robert L. Goldich and Carolyn L. Merck, Retirement benefits based on disability are payable for the duration of the disability or for life, but end if the annuitant has earnings above a ... View Doc

Social Security Debate In The United States - Wikipedia, The ...
Military budget · Public debt Further, the crisis also caused more to apply for both retirement and disability benefits than expected. During 2009, payroll taxes and taxation of benefits resulted in cash revenues of $689.2 billion, ... Read Article

Military Retirement Benefits Disability

Army Physical Disability Evaluation System (APDES)
The law provides benefits for eligible Soldiers whose military service is cut short due to a service-related disability incurred in the line of duty. benefits, receives disability retirement or is separated with severance pay. Soldiers rated ... Fetch Document

Military Retirement Benefits Disability Photos

GAO-09-289 Military Disability Retirement: Closer Monitoring ...
Military disability retirement benefits, and the added cost to the military of administering TDRL cases, the Congress may wish to consider shortening the current 5-year maximum tenure on the TDRL. We provided a draft of this report to DOD and the services for review and ... Content Retrieval

Photos of Military Retirement Benefits Disability

United States Department Of State - RNet: The Retirement ...
Retirement benefits in the form of a survivor annuity under the Federal retirement systems (Civil Service Retirement System ("CSRS"), Federal Employee's Retirement disability. Military Retired Pay – based on injury incurred in combat with an enemy of ... Return Document

Military Retirement Benefits Disability

MILITARY RETIRED CONCURRENT RECEIPT - Divorce Financial Solutions
Military retired pay/disability pay situations will require the entire 9 year period to replace retired pay in full. limited to the retirement benefits being the single largest asset in the marriage. Therefore the ... Doc Retrieval

Photos of Military Retirement Benefits Disability

Benefits For Veteran’s With Disabilities
A Word about Military Retirement Based on Disability . In addition to the VA benefits described in this section, military members with 20 or more years received (DoD military disability retirement or VA disability benefits) BEFORE referring to any ... Visit Document

Military Retirement Benefits Disability Photos

Understanding Military Retirement Pay (Page 3)
Don't confuse VA Disability Compensation with Military Disability Retirement Pay. They are two separate animals. All retiring members who believe they have a service-connected disability can apply for VA benefits prior to, or after retirement. ... Read Article

Military Retirement Benefits Disability Pictures

Military Retirement: Major Legislative Issues
Military retirement benefits as a place where substantial budgetary savings could be made. Federal, key workplace documents, Catherwood, ILR, military retirement, benefits, disability retirement, concurrent receipt, payments, Created Date: ... Fetch Full Source

Images of Military Retirement Benefits Disability

Dividing Military Retired Pay: Disability Payments And The ...
Judge to divide military retirement benefits as community or (2006). A servicemember who retires with forty years of service would receive 100 percent of base pay as retired pay. his military disability benefits were not reachable by the ex-wife ... Read Here

Military Retirement Benefits Disability

KENTUCKY TEACHERS' RETIREMENT SYSTEM MILITARY SERVICE ...
Active military service other than Social Security benefits, disability benefits, or non-regular (reserve) military retired pay under Title 10, US Code, Sec. 1331 to 1337. KENTUCKY TEACHERS' RETIREMENT SYSTEM MILITARY SERVICE CERTIFICATION ... Content Retrieval

Images of Military Retirement Benefits Disability

Federal Payments That May Be Available To Federal Employees ...
• Retirement Facts #2 - Military Service Credit Under the Civil Service Retire - ment System (RI 83-2) Disability retirement benefits are payable to you if you are unable to perform useful and efficient service in your position because of disease ... Retrieve Here