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Comment by jen on January 4, 2013 at 6:27pm

lemonelephant - you are so correct. The recruit has to live with the false information - long after they have passed through the recruit office.  The parents will be getting the collection phone calls and the recruit (or the parent) will have to shoulder the financial burden - and the repercussions.

Comment by lemonelephant on January 4, 2013 at 5:55pm

KylesMom, yes, many future Sailors do that distancing thing before shipping off (mine spent more time with friends than with his sister and me or he went on long bike rides alone) and yes, he will miss you at BC.  It's his way of preparing for what is to come.

Comment by lemonelephant on January 4, 2013 at 5:37pm

It drives me crazy when I hear "the recruiter said..." especially related to finances.  If the recruit misses payments while at BC, that can negatively affect his/her ability to get security clearance later and the recruiter won't be of any help when the Sailor says, "My recruiter said, 'The Navy will take care of everything.'" Yes, the recruit will get a check book when s/he opens the NFCU account at the RTC and a debit card will be sent to him/her a week or so later or the recruit can take a few checks and his/her debit card with him/her if using his/her own account, but the recruit will not be receiving his/her bills at the RTC in order to pay them.  S/He needs to have a system in place for that--either have bills automatically deducted from an account that has the money for that and will not end up with a negative balance before the end of BC or have someone put on the account to take care of them or take care of them with a POA.

Comment by MyKidIsInNavy on January 4, 2013 at 3:31pm

Mine is just a few days now from leaving for BC....he is definitely in a different mode now, and is distancing himself from us completely.  I know he is an adult, and I respect that we raised him to be a good adult...but this distancing right before he leaves is crushing me and I am kinda sure he cannot push me any further away.  I hope the recruiter has given him the right info and advice because his word means more to him then mine.  I will also hope the recruiter was right when he said....not to worry now because he will be missing us once he is in BC

Comment by jen on January 4, 2013 at 3:02pm

My daughter's recruiter told her the same thing - The Navy will take care of everything.  We finally convinced her there was no way the Navy was going to be able to make her car and student loan payments - how would they keep track of the thousands of recruits going through at the same time, she finally realized we had her best interest. 

She then thought about opening a Navy account.  We thought she should make it through Basic & A School first - THEN, we can transfer the money to her if she desired.  At that point the car, can be sold and the school payments made automatically from her account. 

She still thinks that as we are her parents, we have access to everything.  She's an adult - and we have access to nothing unless she grants us access - hence the HIPPA and POA - thankfully she finally agreed.

Comment by MyKidIsInNavy on January 4, 2013 at 2:32pm

I am in a different boat....My Son has decided to not sign a POA or put us on his bank accounts or give us access to his on line accounts or passwords.  His recruiter has assured him that he will not need any of that and will always have access to his stuff.  We did try and talk with our son trying to explain it is the only way to can be sure we can take care of things only if need be...but he said NO

Comment by lemonelephant on January 4, 2013 at 1:04pm

:o)

Comment by jen on January 4, 2013 at 1:02pm

I think we covered everything in the document. We covered "future dependents" and "future inheritance" "real estate" - even though she does not have dependents, real estate or an inheritance.

She did sign the HIPPA form for both her father & myself. Every state is different - and then dealing with the federal government.  There are so many things to be covered "just in case"  - hope for the best and prepare for the worst.

Comment by lemonelephant on January 4, 2013 at 12:57pm

The POA must specifically address medical issues or it won't work. A general POA doesn't usually include the medical component. The durable POA must also specify that it is for health care situations as well as financial transactions. Know that if there is a medical issue at the RTC or after, your son/daughter can sign the HIPPA form to allow you to speak with his/her caregivers or you could contact the PAO and they will put you in touch with their legal offices who can provide you with a waiver for medical information, so even without a MPOA, there are ways around it. Most of the time the HIPPA form or waiver form will be all that is needed because you will be wanting information about a medical situation. The MPOA is usually needed when the person is incapacitated and cannot make decisions. It is also to be noted that having a MPOA may not allow you to receive updates about your son/daughter if s/he is not incapacitated uless the HIPPA form is also signed depending on the wording within the document.

Comment by jen on January 4, 2013 at 11:07am

We have a Durable POA - it also allows us to make medical decisions for her.  Her father and I have our names on her bank account here.  If she wants to open one with the Navy at a later date, we can close this one out and get the money to her new account.  We also have a form 2848 allowing us to file her income taxes.

I need to make copies of her debit card & drivers license so we have that just in case.  I took her off the the car insurance effective the 9th  - we just need her drivers license number to put her back on.

Deactivating the cell phone - need to call Verizon - they have a special Military exception - waiting until I get the phone call that she has arrived.

Getting passwords to her accounts on line to pay her student loans as well as email - I hope we haven't forgot anything.

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