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When United Flight 93 crashed in Shanksville, PA, on Sept. 11, 2001, John Gerula was one of the first on the scene as a volunteer firefighter. The experience inspired John, still in high school, to enlist in the Marines. He shipped out to Iraq two years later, and today he bears the invisible wounds of war.Over the course of 18 months in Fallujah and Operation Phantom Fury, Gerula survived 21 improvised explosive device blasts, resulting in a severe traumatic brain injury that gave him migraines and memory loss, and post-traumatic stress that left him anxious, isolated and abusing alcohol.“I would spend a lot of time by myself at home on my property, just away from people,” Gerula says. “I didn't like large crowds, just the things that brought me back to what caused my issues, the flashbacks and everything.”That all changed this summer when Oliver, Gerula’s service dog, came into his life.”He can sense when I start to breathe heavy, when my heart rate's high, things of that nature, he comes up to me allows me to pet him,” Gerula says. “Since I’ve had Oliver, I’ve not had a drop of alcohol. I gave up drinking altogether. So he has made huge changes in my life.”Gerula and Oliver are among the first four pairs of veterans and service dogs to graduate from American Humane’s “Shelter to Service” program, created to combat the staggering statistics of 20 veterans committing suicide daily due to PTSD and TBI, and the 670,000 dogs euthanized every year in America’s animal shelters.“We saw a great opportunity to uplift the healing power of the human-animal bond by taking incredible dogs who were abandoned, who needed a second chance at life, giving them unbelievable, rigorous training, and then matching them with our veterans, allowing these veterans a chance for healing, hope, compassion, and love,” says American Humane’s President and CEO Robin Ganzert.Ganzert’s organization is currently training its second “Shelter to Service” class while advocating for a bill on Capitol Hill to establish national training standards and speed up the service dog waitlist, which currently runs from 18 to 24 months.And Gerula has a message to veterans seeking the help with their own struggles.“Don't give up,” he says. “The best thing to do is to keep going and just go do every option you can.” 2346

While the national unemployment rate hovers around 10 percent, military spouses are at 30 percent. The Military Family Relief Initiative aims to help, offering million in support. It's a historical donation and more than two-dozen organizations will benefit.When the pandemic hit, it was the National Guard handing out food, helping at blood centers, and helping states during periods of civil unrest.You'll see the guard, but what you don't see are the people who support those National Guard members.“We had the largest deployment of National Guard ever in our history,” ? says Kathy Roth-Douquet, a military spouse and the founder and CEO of Blue Star Families.On top of that deployment, other military service members are facing stop order movements because of the pandemic.“All the folks who were deployed and due to come home, they couldn’t come home and people had deployment extended for three months or more,” Roth-Douquet said. “So that family whose spouse had been home with their kids suddenly found their kid out of daycare, out of childcare and that spouse that was supposed to help couldn’t come home.”With so many spouses stuck, Roth-Douquet launched Blue Star Families back in 2009 because she, like many military families, needed help.“We found ourselves living a lifestyle with our families that required a very heavy for lift for us,” Roth-Douquet said. “It’s an honor to serve your country, but you have a responsibility for your family to thrive. Many of us felt that we couldn’t do both.”Blue Star Families offers a solution, a way for society to help, through community by connecting families and military spouses with people who can help your every need."Military families lives are difficult without a pandemic, we do a big mission around the world and then you add the pandemic to it, the stress on the children, the family separation that’s been compounded, the unemployment has been compounded, it’s a tough time for military families. This relief makes such a difference,” Roth-Douquet said.Blue Star Families teamed up with USAA to survey military families every week for 10 weeks. They figured out where the problems were, and are. USAA then committed million to the Military Family Relief initiative, which will help two-dozen military and general aid non-profits, including Blue Star Families. It’s the largest one-time philanthropic contribution in USAA"s nearly 100-year history.“This million will help augment the reduction in fundraising and the increased need that’s happening with military families,” said Harriet Dominique, who manages philanthropic strategies and contributions for USAA.“We know that military families as they’re serving our nation taking care of us and our freedoms have challenge and stressors. Those challenges have been increased by financial impacts and career and employment impacts of COVID-19,” Dominique said.For Dominique, this is personal. Her dad and brother served and her nephew is a reservist. Some of the organizations that will benefit are the Navy-Marine Corps Relief Society, The Institute for Veterans and Military Families, and "Hiring Our Heroes.”“When we talk about military spouses who have lost their job because of COVID and we know their service member and they need financial stability and the investment in hiring our heroes for financial security, we know we’re making a difference,” Dominique said. 3408

While many businesses shut down temporarily due to COVID-19, zoos and aquariums couldn’t fully close because animals still need to be taken care of.However, with little to no visitors during what’s normally the busiest time of the year, some are facing tough times and getting creative.“It’s a lot of work,” said Patty Wallace, an Animal Keeper at the Cheyenne Mountain Zoo.“We feed all of them about three times a day, about 40 pounds each of grass hay, about six pounds of grain per hippo, and also some fruits and vegetables for training and nourishment. So they get lots of variety,” Wallace explained. That’s just the hippos, which are part of a new exhibit the zoo opened during the shutdown.“Opening a brand new exhibit is normally hard enough,” said Bob Chastain, the President and CEO of the zoo.With large groups and traditional presentations considered unsafe, the zoo pivoted. “Now, what we do instead is we’re grabbing random people and taking them back behind the scenes, letting them help us with the everyday things we’re doing,” Chastain said.Letting kids help feed the hippos and other animals, up close and personal.“We are trying to adjust and we would like to share our hippos,” Wallace said. “But because we don’t want crowds, we do it in small bursts.”Back in spring, zoos and aquariums were told to close.“All of them have had a period of two to four months of closure. Some are still closed,” said Dan Ashe, President and CEO of the Association of Zoos and Aquariums. AZA is a nonprofit that represents over 240 of these businesses.“When they’re closed they’re not really closed, because they have to continue caring for the animals,” Ashe said. That’s what makes zoos and aquariums unique.“The essential ingredient in success is a guest,” he said. Even with no guests, the work doesn’t stop, which has put some in financial distress. “We have had some that have been on the verge of closure.”Ashe said about 20% of its members are in a weak financial position, so zoos got creative to keep guests interested. “The San Antonio Zoo started with the idea of a drive-thru zoo,” Ashe said.At Cheyenne Mountain Zoo, they made use of social media. “Our social media team, like many around the country, really ramped up,” Chastain said.Now as they begin to reopen their gates, they face a whole new set of challenges. “Almost every zoo in the country had to revamp and figure out how to do timed tickets, because it was one of the major requirements,” Chastain said.Timed ticketing, one way traffic, cashless exchange -- these were all concepts zoos and aquariums had to adapt to.“All over the zoo there are marks that help people stay away from each other,” Chastain said.Even with sold out tickets, the crowds are nothing like they used to be. And many fundraising events had to be canceled or postponed with new capacity limits.“Our guess is for the next 12 months, we won’t have those large crowds,” he said.But families continue to come to see the giraffes, look at the penguins, or feed Zambezi and Kasai, the hippos.“It’s been a challenge, but a lot of fun,” Wallace said. 3105

While it's true that premiums for the popular silver Obamacare plan could shoot higher for 2018, most enrollees will actually end up paying less for coverage next year.In fact, more consumers will be able to snag policies that will cost them nothing each month.How can that be?It's because premium subsidies are soaring too, making many plans on the exchanges more affordable.The Trump administration, however, is stressing how much premiums will rise, saying this is yet another sign that Obamacare is irreparably broken. They are downplaying the fact that the subsidies will cover most, if not all, of the cost.Obamacare advocates worry that consumers will be scared off by the news that premiums are skyrocketing for next year. They plan to highlight the fact that many people will be able to find lower-premium policies thanks to the subsidies.Even the Trump administration found that Obamacare plans will be more affordable next year. Some 80% of enrollees will be able to find a policy for a month or less -- up from 71% this year and the highest share so far."This year, more people than any previous year have access to a plan for or less," said Josh Peck, a former Obama administration official and co-founder of Get America Covered, which is promoting enrollment for 2018. "That's what we want everyone to know."Here's why this is happening:Many insurers jacked up the rates of their silver plans in part to make up for President Trump ending federal support for Obamacare's cost-sharing subsidies. These subsidies reduce deductibles and co-pays for lower-income enrollees.Premiums for the benchmark silver Obamacare plan will soar 37%, on average, for 2018, according to federal data released Monday.The premium subsidies are pegged to a benchmark silver plan in each market. So if that plan's rate rises, the value of the subsidy does too. More than eight in 10 Obamacare enrollees receive premium subsidies.Insurers, however, did not hike the price of bronze or gold plans nearly as much. The rate of the lowest-cost bronze plan is rising 17%, on average, while the cheapest gold plan is going up 19%, according to the Kaiser Family Foundation.That means the more generous premium subsidies will cover more of the monthly cost of these plans, so consumers will pay less.A 40-year-old earning ,000 will pay 75% less, on average, for the cheapest bronze plan and 21% less for the lowest-cost gold plan, according to a new analysis by the Kaiser Family Foundation. A 40-year-old earning ,000 will see a 28% drop in the price of the cheapest bronze plan, and an 8% decrease in the least expensive gold plan's premium.Bronze plans have lower premiums, but their deductibles are higher -- nearly ,900, on average, for an individual in 2018, according to a new report from Health Pocket, an online health insurance shopping tool. Meanwhile, gold plans have higher premiums, but their deductibles are only ,320 on average for a single enrollee next year.The cheapest gold plan will have lower premiums than the least-expensive silver plan in 459 counties next year once subsidies are factored in, Kaiser found. Silver plans will have an average deductible of just over ,000 next year.Many more consumers will be able to enroll in bronze plans and pay nothing each month. For instance, a 48-year-old consumer earning roughly ,000 can find a zero-premium policy in nearly 1,050 counties next year, up from 132 counties in 2017, according to an analysis by Oliver Wyman consulting group.Not everyone, however, will be so fortunate. Enrollees who don't qualify for premium subsidies -- those who earn more than ,000 as an individual or ,500 for a family of four in 2018 -- may be hit with the full premium hike. They may be better off buying bronze or gold plans or looking for individual coverage outside of the Obamacare exchanges.  3877

With coronavirus cases surging in Florida, President Donald Trump said Tuesday that he’s “flexible” on the size of the Republican National Convention in Jacksonville.The president spoke as a growing number of Senate Republicans said they’d skip the event, and even as the White House tried to tamp down nationwide concern about the virus’s spread.Asked in an interview Tuesday whether he’d want to limit the gathering if the state’s coronavirus cases continue to rise, Trump replied that the decision “really depends on the timing.”“We’re always looking at different things,” Trump said during an interview on Gray Television’s “Full Court Press with Greta Van Susteren.”“When we signed a few weeks ago, it looked good,” the president continued. “And now, all of a sudden, it’s spiking up a little bit. And that’s going to go down. It really depends on the timing. Look, we’re very flexible.”There were about 452 new reported cases per 100,000 people in Florida over the past two weeks, which ranks second to Arizona in the U.S. for new cases per capita.He spoke as Republican lawmakers increasingly expressed concern about the gathering. Republican Sens. Chuck Grassley of Iowa, 86, and Lamar Alexander of Tennessee, 80, were among those saying they would stay away from the event. The virus takes a high toll on older people.Grassley was explicit about the reason for skipping the convention for the first time in his 40 years in public office.“I’m not going to go, and I’m not going to go because of the virus situation,” he said on a conference call Monday with Iowa reporters.Alexander, who is retiring after this year, was more subtle.In a statement released by his office Tuesday, he acknowledged that choices must be made and that fewer people gathered for the event is desirable. Alexander did not mention Trump, the pandemic or the fact that health experts say the virus is more transmissible among people in close proximity for prolonged periods.“Sen. Alexander is an honorary chair of the Tennessee Trump campaign, but he will not be attending the convention because he believes the delegate spots should be reserved for those who have not had that privilege before as he has had,” the statement said.About a dozen states are reporting worrying spikes of cases. The White House is trying to tamp down the nationwide concern despite more than 2.9 million confirmed COVID-19 cases and more than 130,000 deaths.Trump has falsely declared that 99% of cases of COVID-19 are harmless, a claim that is not supported by science.Florida is one of the nation’s hardest-hit states, and hospitals are warning they’re in danger of being overwhelmed. Florida’s COVID-19 positive test rate is 18.7%, making it second only to Arizona among states where coronavirus infections are surging. According to public health experts, a rate of 10% or more indicates the virus is spreading in communities.The rate is a snapshot of current conditions, and measures like social distancing, wearing masks, avoiding crowded indoor locations and frequent hand-washing can bring it down.Florida reached a grim milestone over the weekend, with health officials reporting that more than 200,000 people have tested positive for the coronavirus since the start of the outbreak.The highest number of confirmed cases in one day came Saturday, when more than 11,400 cases were reported in the state. More than 3,700 people have died.The convention is scheduled to begin Aug. 24. Officials in Jacksonville, Florida, began requiring face masks in public a week ago.“If you want to have a convention, and I think we should have a convention, I think you should do whatever you can to make it as safe as possible, so that would be with face masks and social distancing,” Grassley said.Grassley said he plans to continue his tour of all of Iowa’s counties, visiting 29 counties during the current two-week break. He and his staff will wear masks, but he doesn’t plan on requiring it for Iowans who come to see him.“There’s no way a United States senator can force anybody in Iowa to wear a mask,” he said. “It’s going to be up to the individuals and I would say that there’s generally a rule that if you’re 6 feet apart, you don’t have to wear a mask, but I think doing both makes common sense and I’m going to encourage people to do both.”___Associated Press writers David Pitt in West Des Moines, Iowa, and Ricardo Alonso-Zaldivar in Washington contributed to this report.___Follow Kellman at http://www.twitter.com/APLaurieKellman 4509