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1,000,000 Page Views of MCCareer.org!
In the last 24 hours we crossed a milestone of 1,000,000 page views at MCCareer.org:
Here is a visual of the page views and growth of the blog since I started it in 2015:
Thanks to all the readers out there. I’ll keep doing this as long as I can, and let’s hope we hit 2,000,000 one day!
COVID Impact on Life and Disability Insurance for Military Physicians – One Year Later
Like seemingly everything else, the insurance industry has been forced to adapt since the onset of the COVID pandemic in March 2020. Most, if not all the major companies have allowed their employees to work from home. Despite the technological advances that made this possible, processing of all the tasks required to maintain a major company were delayed dramatically. The underwriting of applications and the claims process took twice as long. Fortunately, that is all behind us as the insurance industry has implemented the new technology to make it easier and quicker than ever to obtain coverage. Due to the increase in claims and the insurance companies’ expertise in risk management, we expect some rate increases in the future so now is the time to lock in your protection for both life and disability insurance. One thing that hasn’t changed is the difficulty in obtaining coverage for applicants with orders to deploy outside the US. Coverage is typically postponed if you have orders for deployment outside the US, so it is advisable to obtain coverage before receiving new orders.
The pandemic has accelerated the implementation of digital processes that have streamlined the underwriting process and eliminated physical human contact. It wasn’t that long ago when all applicants had to schedule a time for a stranger to show up at their home or office to stick them with a needle and ask invasive medical questions. Now, an applicant can apply for disability and life insurance coverage using online applications which can be completed anytime on either a phone or computer. This is possible now because insurance companies have adapted to utilizing 3rd party data that when taken as a whole, provides a more than sufficient and accurate picture of morbidity/mortality risk than a medical exam provides.
Now, military physicians can obtain up to $3,000,000 of life insurance and up to $10,000/month of disability insurance without a medical exam up to age 50. The medical history application can be completed electronically. Some companies will even approve a qualified applicant almost immediately for life insurance
Contrary to what you may have heard, the only standardized exclusion for life insurance is suicide for the first two policy years. Death as the result of war or military service is covered. There may be specific exclusions added due to avocations such as mountain climbing, piloting, etc.
For disability insurance, the 25% discount for military physicians is still available from knowledgeable and experienced brokers. This discount is not widely available to civilian physicians in practice so waiting to obtain coverage until after you separate from the military means that you will pay higher rates. Not to mention that your military records and VA disability process may contain adverse information that could result in a declination or other adverse underwriting decisions. Also, since rates are based on age, you will pay a higher rate due to being older. Each year you wait to establish coverage results in a minimum of an approximate 5% increase in premium. We calculate that you will pay approximately two full years more premium for each year you delay establishing coverage.
Thank you for your service and dedication. For specific questions please contact us via email below. You can also obtain more information and request personalized life/disability quotes by visiting:
Physician Disability Insurance Quote Comparison
Andy G. Borgia CLU – andyb@di4mds.com D.K. Unger – dku@di4mds.com
NAVADMIN Call for Applications to Become a Certified Navy Coach – O3-O5
UNCLASSIFIED//
ROUTINE
R 281804Z SEP 21 MID200001165063U
FM CNO WASHINGTON DC
TO NAVADMIN
INFO CNO WASHINGTON DC
BT
UNCLAS
NAVADMIN 213/21
PASS TO OFFICE CODES:
FM CNO WASHINGTON DC//N1//
INFO CNO WASHINGTON DC//N1//
MSGID/GENADMIN/CNO WASHINGTON DC/N1/SEP//
SUBJ/CALL FOR APPLICATIONS TO BECOME A CERTIFIED NAVY COACH//
REF/A/DOC/DAFSLDP PWS/07132021/NOTAL//
REF/B/DOC/SECNAV M-5216.5//
NARR/REF A IS DEPARTMENT OF THE AIR FORCE SENIOR LEADER DEVELOPMENT PROGRAM
PERFORMANCE WORK STATEMENT.
REF B IS THE NAVY CORRESPONDENCE MANUAL.//
RMKS/1. This NAVADMIN solicits applications for uniformed Navy personnel to
participate in a Department of Defense Inter-Service Internal Coaching
Training Program in line with reference (a), henceforth known as the Coaching
Culture Facilitator Course (CCFC).
It is a rigorous 16-week virtual program (30 November 2021 through 31 March
2022) which will prepare participants to educate, promote and foster a
coaching culture within their respective service. This CCFC serves as an
internal coaching training program offered to create internal coaches across
the Department of Defense (DoD) to enhance the performance of every Service
Member and increase warfighter readiness and lethality. The CCFC provides a
pathway to increase the number of trained coaches in each service branch.
There are 24 Navy quotas in this pilot CCFC.
2. Description of CCFC
a. The CCFC is a 16-week virtual program of instruction which provides
80 hours of coach-specific training across a curriculum approved by the
International Coaching Federation (ICF). The curriculum includes 30 hours of
coach training for a Leadership Coach Certification from Flatter, Inc., 30
hours of additional coach training to meet the needed 60 hours required for
application for an ICF coaching certification, 10 hours of mentor-coaching
required for ICF certification and 10 hours of CCFC specific orientation and
training.
b. The CCFC instructional methodology is focused on providing
experiential learning with opportunities for participants to coach other
participants and leaders from the course. Classes are conducted on Tuesdays
and Thursdays for two hours and Wednesdays for one hour for the duration of
the course. Content includes lectures, the introduction of coaching tools
and case studies. Participants must attend at least 80 percent of class
hours live. Missed live classes can be taken asynchronously.
3. Applications must reflect a commitment to build and sustain a Navy
coaching culture. The selection process will focus on personal statements
related to interest in becoming a Navy coach, how becoming a Navy coach will
contribute to the short-term and long-term career goals of the applicant, the
commitment on behalf of the applicant to changing the culture of the Navy
through coaching and how the applicant has helped someone develop a plan for
reaching a goal.
4. Military Applicant Eligibility Criteria
a. Participation is open to all active and full-time support
unrestricted line, restricted line and staff corps officers in the permanent
grades of O-3 through O-5. Enlisted participation is open to all active and
full-time support Navy occupational specialty codes in the permanent grades
of E-6 through E-9 with a minimum of three years prior to end of active
obligated service (EAOS).
b. Certified or credentialed coaches and those with an ICF Associate,
Professional, or Master Certified Coach credential are not eligible to apply
for the CCFC
c. Certified or credentialed coaches are asked to contact us at
MyNavyCoaching(at)navy.mil so that we may track all members with this
valuable skillset.
5. Application requirements: Materials will be submitted via DoD Secure
Access File Exchange (SAFE) no later than 11 October 2021 and will consist of
the following three documents available at:
https://www.mynavyhr.navy.mil/Career-Management/Talent-Management/Coaching/
a. SF-182 Authorization, Agreement and Certification of
Training: Applicants are required to submit an SF-182 signed by their
training officer and supervisor. Individual seat expenses will be covered by
Navy Personnel Command. Travel is not required and no travel expenses will
be reimbursed.
b. Letter of Intent: Applicants are required to submit a letter of
intent with the following information:
(1) Last Name, First Name, MI
(2) Rank
(3) Rate or Designator
(4) Command
(5) E-mail address
(6) Phone Number
(7) Position Title, if applicable
(8) Location/Address
(9) Supervisor Name, Title, Phone Number and e-mail
(10) Date of last promotion
(11) List and describe any prior coach training or experience to
include relevant coaching certifications or credentials.
(12) Name, signature and date for both applicant and
supervisor. Digital signatures are acceptable.
c. The letter of intent will include essay-style responses to the
following questions:
(1) Why are you interested in becoming a Navy Coach?
(2) How would becoming a Navy Coach contribute to your short-term and
long-term career goals?
(3) What is your commitment to changing the culture of the Navy
through coaching?
(4) Describe a prior work experience where you have helped someone
develop a plan for reaching a goal. How did you help them and support their
progress to achieve the goal?
(d) The letter of intent will also include affirmation of the following
statements with signature of applicant and supervisor:
(1) I fully understand the requirements and time commitment of five
hours per week for 16 weeks needed to engage in this training program.
(2) I agree to provide 100 hours of coaching within two years after
completing this training.
(3) I agree to provide training to future Navy Coaching Program
courses within the next two years after completing this training.
(4) I agree to submit a new supervisor agreement form to the MyNavy
Coaching initiative at MyNavyCoaching(at)navy.mil if my supervisor changes
for any reason.
c. Commanding officer endorsement letter: Refer to reference (b) for
letter format. Applicants will be required to submit a signed endorsement
letter from their commanding officer.
6. Submission Instructions: All documents (SF-182, letter of intent and
endorsement letter from the applicants commanding officer) are required to be
submitted via DoD SAFE at https://safe.apps.mil no later than 11 October
2021. Select *Drop-off to upload a file. The name of the recipient should
be *MyNavy Coaching*. The e-mail address is MyNavyCoaching(at)navy.mil. The
file name for the applicant package should be as follows: Last Name_First
Name_CCFC. Ensure you check *Send me an e-mail when each recipient picks up
the files* so you know your application has been received. If you do not
receive an e-mail within five business days that your application has been
received, contact MyNavyCoaching(at)navy.mil and put *Last Name_First
Name_CCFC Application Package* as the subject line.
7. Role of Supervisors
a. Coaching is a learning and development activity and therefore is
intended to be accomplished during normal duty hours. Supervisors are
expected to support the on-duty participation of Service Members as much as
possible. Moreover, supporting Service Member participation in no way limits
the supervisor to schedule work for the Service Member. All coaching
engagements must have approval from immediate supervisors to minimize
conflicts with organizational mission priorities.
b. Applicants must be volunteers and possess self-awareness, good
listening skills, respectfulness, trustworthiness and demonstrate sensitivity
and discretion towards the issues of others in the organization. Applicants
should also express encouragement and optimism in both easy and difficult
situations and demonstrate accountability for self and others.
c. The supervisor may nominate no more than one officer or enlisted
member and no more than a total of two applicant nominations per command due
to the limited number of seats for this pilot, a 24 person cohort.
8. Selectees will be required to sign and submit the following three
NAVPERS 1070/613, Administrative Remarks (Page 13s):
a. CCFC Virtual Training Program Agreement (NAVPERS 1070/613
Administrative Remarks Page 13) acknowledging the program requirements
during work hours from 1000-1200 Eastern Standard Time (EST) on Tuesdays and
Thursdays and from 1000-1100 EST on Wednesdays for a total of five hours of
training per week for a total of 16 weeks (from 30 November 2021 31 March
2022).
b. Coaching Reciprocation Agreement(NAVPERS 1070-613 Administrative
Remarks - Page 13) to acknowledge the applicant must provide 100 hours of
coaching services to Department of the Navy employees over a period of two
years.
c. Continued Service Agreement (NAVPERS 1070-613 Administrative Remarks
- Page 13) acknowledging the applicant will remain in employment of and serve
in the Federal Government for a minimum of two years after completion of the
CCFC. The two year obligated service date will commence on the first day
following graduation from the training program.
9. Timeline:
a. 24 September - 17 October 2021: Application window open.
b. 18 October 2021: Applications are due by 2359 Central
Daylight Time.
c. 15 November 2021: Selects notified via e-mail.
d. 16-23 November 2021: Selected applicants submit the three required
documents in paragraph 8 via e-mail to MyNavyCoaching(at)navy.mil.
10. Additional frequently asked questions regarding CCFC and MyNavy
Coaching are available at: https://www.mynavyhr.navy.mil/Career-
Management/Talent-Management/Coaching/FAQ/.
11. Points of Contact:
a. CDR Patrick Callan, MyNavy Coaching Coordinator, PERS-00Z,
(901) 874-4437/DSN 882 or via e-mail: patrick.m.callan.mil(at)us.navy.mil.
b. LCDR Erica Harris, MyNavy Coaching Scientific Research Advisor, PERS-
00SRA, (901) 874-4437/DSN 882 or via e-mail:
erica.r.harris9.mil(at)us.navy.mil.
12. This NAVADMIN will remain in effect until superseded or canceled,
whichever occurs first.
13. Released by Vice Admiral John B. Nowell, Jr, N1.//
BT
#0001
NNNN
UNCLASSIFIED//
September Sailor-to-Sailor Newsletter
Shipmates,
The September Sailor-to-Sailor newsletter is here! This month, we spotlight updates to our Navy uniform policy and what Sailors and their families can expect when we launch MyNAVY HR’s NP2 system which will transform how we operate on multiple levels.
Here’s a link to the newsletter: https://go.usa.gov/xMj5H
Other stories in this month’s edition include:
– The New Maritime Space Officer Designator – What you Should Know
– Fall 2021 E-4 to E-6 Meritorious Advancement Season Announced
– Getting Started in the Exceptional Family Member Program
– Navy Announces the 2021 Health of the Force Survey
Again, here’s the link to the newsletter: https://go.usa.gov/xMj5H
If you have questions or comments about the newsletter, you can reach us at MyNavyHR@navy.mil or on our social media properties @MyNavyHR on Facebook, Twitter and Instagram to have their voices heard.
V/r,
MyNavy HR
Joel Schofer's Career Planning Blog 