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      Bringing Smiles To Wounded Veterans – WVRF’s Dental Program



      By Chrystal D. Rambarath                           veterans who served in World War II through present day   for mental health care, it is imperative that access to dental
        Diabetes, cardiovascular disease, and oral cancer: What do   conflicts. To date, over 10,000 veterans and their families have   care be expanded.
      these afflictions have in common? According to the Center   received more than $5 million in direct financial assistance.     In 2020, WVRF launched their fledgling dental program.
      for Disease Control, these and other chronic conditions can   WVRF’s intervention and work literally keeps veteran families   It was piloted in Palm Beach County and offers emergency
      be linked to poor oral health. While in some cases, it is yet   from becoming homeless. Beyond this support, WVRF is   dental assistance to qualified veterans. These veterans must
      to be determined if poor oral health causes these conditions,   also a major advocate of veterans and an ally as they confront   have a 10 percent or more service-connected disability rating
      it is undeniable that many illnesses can be detected during   obstacles before them. Their most recent challenge has been   or have an active pending claim, be a Florida resident currently
      routine dental checkups. Encouragingly, good oral hygiene and   to expand dental care access for veterans and the launch of   residing in Florida, have been honorably discharged from the
      treatment can reduce heart attacks by 35 percent. Though that is   their dental program.             military, and need emergency dental care. It is the WVRF’s
      good news for Americans who have dental insurance and those     During an emergency dental examination made possible by   intention that the dental program will be expanded, with a
      that adhere to their biannual checkups, there is a segment of our   WVRF, it was detected that one of their veterans was suffering   location for dental services in each of Florida’s 67 counties.
      population for whom this basic care is out of reach.  from oral cancer. That timely examination caught an oral   In the interim, the nonprofit has the support of at least 10 local
        Our veterans face danger of all sorts: enemy fire, biological   cancer that could have been fatal. This startling realization and   dentists who are ready to donate their services.
      and chemical threats, and more. But upon their return home,   the discovery of just how few veterans can access dental care     Whatever their reasons for serving, veterans are bound by
      they also face new dangers – threats that make their transition   prompted WVRF to do something. With support of their board   a profound sense of duty and uphold the defense of American
      to civilian life difficult. One silent, almost undetectable threat   of directors and the partnership of one local dentist, WVRF   values. They willingly risk their lives and make great sacrifices
      can be found in their mouths. As many as 92 percent of   began to bridge this gap in health care for veterans. The lives   so that their fellow citizens can enjoy freedom, liberty, and
      veterans served by the Veteran’s Affairs system are ineligible   of at least two veterans were saved by early diagnoses during   all rights that our citizenship allows. When they return home,
      for dental care benefits. Only honorably discharged veterans   a dental examination.                 and in their time of need, it is our turn to support them. We
      with a 100 percent service-connected disability qualify for     In addition to overall physical health, poor oral health is   hope that you are moved by the tribulations that confront
      dental care through the VA. Thankfully, nonprofits often fill the   also a contributing factor to mental health illnesses. Veterans   them. If you are able, we call upon your generosity to expand
      gaps left unserved by the government and the private sector.  have shared that they stopped smiling and experienced poor   the critical services that the dental program offers. You may
        The Wounded Veterans Relief Fund (WVRF), established   self-esteem, shame, depression, and job rejections because of   donate your time, skills, or supplies, attend an event, become
      in 2009, was created to support Florida’s disabled veterans   the aesthetics and state of their mouths. Gum disease, chronic   an advocate, or simply spread news of this essential endeavor
      by relieving the financial strains that prevent their transition   bad breath, tooth decay, and mouth sores result in loss of   among your family, friends, and networks. To get involved or
      to civilian life. They provide temporary emergency financial   confidence among veterans as well. These conditions also   find out more, please call (561) 855-4207, visit www.wvrf.
      assistance to qualified disabled veterans. The impact of   jeopardize veterans’ ability to secure a stable job, a critical   org, find us at the Wounded Veterans Relief Fund on Facebook
      WVRF’s work is tremendous, considering that Florida is   aspect of their transition to civilian life. With little financial   and LinkedIn, or follow us at WVReliefFund on Twitter and
      home to the third largest population of veterans in the United   safety nets, a job keeps veterans and their families with roofs   Instagram. As former President Calvin Coolidge once said,
      States – more than 1.5 million people. The nonprofit supports   over their heads. With the increased demand among veterans   “The nation which forgets its defenders will be itself forgotten.”
      Financial Focus



      Should You Buy Term                                insurance policy are tax deferred, so you won’t pay taxes   your local Edward Jones Financial Advisor, Edward
      Insurance And Invest The                           on interest, dividends or capital gains until you withdraw   Jones, Member SIPC.
                                                                                                             Edward  Jones  is  a  licensed  insurance  producer  in
                                                         the proceeds, similar to the tax benefits you get with your
      Difference?                                        IRA and 401(k) accounts.                          all states and Washington, D.C., through Edward D.
                                                           Even though you should consider the above issues, you   Jones & Co., L.P., and in California, New Mexico and
      By Sally Sima Stahl                                don’t necessarily have to dismiss the “buy term, invest the   Massachusetts through Edward Jones Insurance Agency
        If you have children                             difference” strategy. Everyone’s situation is different, so   of California, L.L.C.; Edward Jones Insurance Agency of
      or other loved ones who                            you’ll want to explore your options carefully. At different   New Mexico, L.L.C.; and Edward Jones Insurance Agency
      depend on you financially,                         times of your life, different insurance and investment   of Massachusetts, L.L.C.
      you need life insurance –                          solutions may be appropriate. But however you choose     Edward Jones, its employees and financial advisors
      no question about it. And                          to do it, you’ll want to maintain sufficient life insurance   cannot provide tax advice. You should consult your
      you’ll need an amount that                         and invest for your long-term goals – two actions that can   qualified tax advisor regarding your situation.
      can enable your family                             pay off for you and your loved ones.                Contact us at (561) 748-7600, Sally Sima Stahl, AAMS,
      members to continue their                            This article was written by Edward Jones for use by   1851 W. Indiantown Road, Ste. 106, Jupiter, FL 33458.
      lifestyle if you aren’t
      around. But there may be
      less  certainty about  what
      type of insurance you should purchase: term or permanent.
      And the issue can cause even more confusion if you’ve
      heard the phrase: “Buy term and invest the difference.”
      What does this mean? And is it good advice?
        First, let’s review the chief differences between term
      and permanent insurance. As its name suggests, term
      insurance lasts for a set period, such as 10 or 20 years,
      while permanent insurance can last your entire life.
      Term insurance only pays a death benefit – there’s no
      opportunity to build cash value. But permanent insurance,
      such as universal life, also contains an investment
      element. Consequently, permanent insurance premiums                                                              747-PALM
      are generally considerably higher than those of term
      insurance.                                                                                                            747-7256
        Given this difference in premiums, you may have heard
      that it’s a good move to buy term insurance and use the
      “savings” – that is, the money you would have spent on a
      costlier permanent insurance policy – to invest in stocks                                   “Service is our number one priority”
      or  mutual  funds,  rather  than  rely  on  the  investments
      contained in permanent insurance. But in reality, it’s not                                                561-743-0070
      that simple. Here are a few reasons why “buy term, invest
      the difference” may not always be the best strategy:                                                   www.palmspoolservices.com
        •  People don’t consistently invest the difference.
      Although people may have the best intentions when it
      comes to investing the savings achieved by purchasing
      term insurance, life often gets in the way and they find
      other ways to spend the money. Or they may invest
      sporadically or make poor investment decisions. By way
      of contrast, the premiums that go into permanent insurance
      are invested systematically and managed by professionals.
        •  Term premiums won’t always be cheap. Term
      insurance is quite affordable when you’re young. But when
      the term expires after, say, 15 or 20 years, the premiums
      can become much more expensive. Consequently, there
      will likely be much less of a gap between the costs of term
      and permanent insurance.
        • Permanent insurance investments can grow tax                                                                              Expires 11/30/21.
      deferred. If you followed the “buy term, invest the
      difference” approach, and you purchased stocks or                                                                  State Licensed & Insured
      mutual funds, you might incur taxes on capital gains   Serving Palm Beach County                                 CPC # 1457468 • LPG#30099
      and dividends. But the investments within a permanent
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