iava policy agenda 2012
DESCRIPTION
IAVA's official 2012 Policy Agenda.TRANSCRIPT
!
"#$% &$'%
()$*"$+"%
($&$)*",-&
./!.%0-1,23%*($&4*
.
5
./!.%0-1,23%*($&4*
$60-'$),&(%"#$%&$'%()$*"$+"%($&$)*",-&
,&")-472",-& %8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 08%9%
!"#$%&'('%!#)*+,"%-*+%./0%1-)2%34,567#88
./!!:%0)-()$++%-;$)%0-1,",2+%8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 08%<
./!.%,*;*%0-1,23%0),-),",$+%8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 08%=
*>-7"%,*;*?+%0-1,23%*($&4*%8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 08%!/
!8%$601-3%"#$%&$'%()$*"$+"%($&$)*",-&%8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 08%!!%
% !"!%/*5#)"-9,%.#$:-*4,;%<#%=4",%(,<,"-*;%% !"#%/*5#)"-9,%(,<,"-*%/*<",:",*,)";74:%% !"$%>,8,*+%?"##:;%'9-4*;<%@#A%>4;5"4$4*-<4#*
.8%0)$;$&"%+7,2,4$%*6-&(%")--0+%*&4%;$"$)*&+%8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 08%!<%
% #"!%1",B,*<%C)454+,%'$#*9%?"##:;%% #"#%1",B,*<%C)454+,%'$#*9%(,<,"-*;
58%0)-"$2"%$472*",-&%>$&$@,"+%8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 08%!A%
% $"! %% $"#%/*;)",%C<)+,*<%(,<,"-*;%-",%C)55,;;8)2%4*%.#22,9,%% $"$%C<",-$24*,%<7,%D,E%F&%G422%HD,E%F&%G422%IJKL
B8%,60)-;$%2*)$%@-)%@$6*1$%;$"$)*&+%8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 08%.5%
% %"!%&$:"#B,%=,-2<7%.-",%8#"%!,$-2,%(,<,"-*;%% %"#&
98%")$*"%,&;,+,>1$%,&C7),$+%8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 08%.9%
% '"!%/24$4*-<,%.#$A-<%C<",;;%C<49$-%-*+%1"#$#<,%?",-<$,*<%8#"%M,*<-2%=,-2<7%&*N)"4,;%% '"#%.#$A-<%<7,%C7#"<-9,%#8%G,7-B4#"-2%=,-2<7%1"#8,;;4#*-2;%% '"$%&$:"#B,%?"-564*9%-*+%?",-<$,*<%#8%?"-)$-<45%G"-4*%&*N)"O%H?G&L%% '"%&>,8,*+%?"##:;%'9-4*;<%M424<-"O%C,P)-2%?"-)$-%HMC?L
<8%+700-)"%6,1,"*)3%@*6,1,$+ %8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 08%.A%
% ("!%&*5",-;,%M,*<-2%=,-2<7%C)::#"<%8#"%M424<-"O%!-$424,;%% ("# %% ("$%C)::#"<%/$:2#O$,*<%-*+%/+)5-<4#*%8#"%M424<-"O%!-$424,;%% ("%&!497<%>#$,;<45%(4#2,*5,%4*%<7,%M424<-"O
=8%)$472$%"#$%;*%21*,6+%>*2D1-(%8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 08%55%
% )"! %% )"#%C,-$2,;;2O%?"-*;8,"%.-",%8"#$%>,:-"<$,*<%#8%>,8,*;,%<#%>,:-"<$,*<%#8%(,<,"-*;%'88-4";%% )"$
B
$60-'$),&(%"#$%&$'%()$*"$+"%($&$)*",-&
E8%0)$;$&"%*&4%$&4%;$"$)*&%#-6$1$++&$++ %8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 08%5<%
% *"!%!497<%!#",52#;)",%% *"#%1",B,*<%(,<,"-*%=#$,2,;;*,;;%% *"$%=#);,%=#$,2,;;%(,<,"-*;
A8%$*+$%"#$%")*&+,",-&%#-6$ %8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 08%5A%
% +"!%1"#<,5<%!)*+4*9%-*+%C,"B45,;%8#"%?"##:;%-*+%(,<,"-*;%% +"#%1"#$#<,%(,<,"-*%1)A245%C,"B45,%% +"$%/P:-*+%=,-2<7%.-",%?"-564*9%% +"%%G)42+%#*%<7,%C)55,;;%#8%Q#5-2%(,<,"-*;R%.#)"<;%% +"'&C,5)",%-*%0/!S0&!S0D>%M,$#"4-2%% +"(%C)::#"<%3,8)9,,;%8"#$%&"-T%-*+%'897-*4;<-*%% +")%=#*#"%<7,%!-22,*
*00$&4,F:%,&&-;*",;$%+-17",-&+%@-)%.!+"%2$&"7)3%;$"$)*&+%8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 08%B5
9
,&")-472",-&
./!.%0-1,23%*($&4*
AO%+,24B,"4*9%4*%8#)"%6,O%4$:-5<%-",-;U%A)42+4*9%-%2-;<4*9%5#$$)*4<O%8#"%B,<,"-*;%-*+%<7,4"%8-$424,;%-*+%;)::#"<4*9%*,E%B,<,"-*;%
-5"#;;%<7,%5#)*<"OJ
-*%,P:-*;4B,%A2),:"4*<%<#%-++",;;%<7,;,%4;;),;%-*+%;)55,;;8)22O%:",:-",%<7,%5#)*<"O%8#"%<7,%;)"9,%#8%*,E%B,<,"-*;%5#$4*9%7#$,J%0)"%:#245O%",5#$$,*+-<4#*;%4*52)+,%<7,%5-22;%<#U%/$:2#O%<7,%D,E%F",-<,;<%F,*,"-<4#*V%1",B,*<%C)454+,;%'$#*9%
M424<-"O%!-$424,;V%3,+)5,%<7,%('%.2-4$;%G-562#9V%/*+%(,<,"-*%=#$,2,;;*,;;%-*+%/-;,%<7,%?"-*;4<4#*%=#$,J%?7,;,%:"4#"4<4,;%+,"4B,%8"#$%-*%,P<,*;4B,%;)"B,O%#8%#)"%74972O%,*9-9,+%$,$A,";74:%#8%&"-T%-*+%'897-*4;<-*%B,<,"-*;%-;%E,22%-;%5##"+4*-<4#*%
<
E,%7-B,%74972497<,+%<7,4"%E#"+;%4*%<74;%<,P<J
<7,%;)::#"<%-*+%",;#)"5,;%,-"*,+%AO%O#)*9%B,<,"-*;%",$-4*%-%:"4#"4<O%4*%<74;%,2,5<4#*%O,-"%-*+%4*%-%E-O%<7-<%<"-*;5,*+;%<-264*9%:#4*<;J%
E,RB,%9#<%<7,4"%A-56%-*+%$-6,%<74;%9,*,"-<4#*%#8%B,<,"-*;%<7,%D,E%F",-<,;<%F,*,"-<4#*J
1-)2%34,567#88
!#)*+,"%-*+%./0
&"-T%-*+%'897-*4;<-*%(,<,"-*;%#8%'$,"45-
,&")-472",-&
=
./!.%0-1,23%*($&4*
./!!:%0)-()$++%-;$)%0-1,",2+
'#,1$%'$%#*;$%+$$&%4)*6*",2%,&2)$*+$+%"-%;$"$)*&+?%>$&$@,"+%+,&2$%.//<G%+'$$0,&(%)$@-)6+%
'$)$%(-,&(%"-%>$%4,@@,271"%"-%*2#,$;$%,&%*%#30$)H0*)",+*&%2*+#H+")*00$4%2-&()$++%,&%./!!8%
+,B,2#:$,*<%#8%5",-<4B,%:-"<*,";74:;%-*+%4**#B-<4B,%#*24*,%:"#9"-$;J%G,2#E%-",%;,B,"-2%#8%<7,%B45<#"4,;%&'('%-574,B,+%8#"%#)"%
$601-36$&"%
?"-*;4<4#*%';;4;<-*5,%1"#9"-$%H?'1L%<#%:"#B4+,%",;)$,%-*+%5-",,"%5#)*;,24*9%-*+%:"#B4+,%<-P%4*5,*<4B,;%#8%):%<#%
$472*",-&
6,1,"*)3%@*6,1,$+
#$*1"#%2*)$
7,-2<7%;5",,*4*9J%%/P:-*+,+%7,-2<7%5-",%-55,;;%AO%-22#E4*9%$424<-"O%:7O;454-*;%<#%:"-5<45,%-5"#;;%;<-<,%24*,;%-*+%+,B,2#:,+%-%",94;<"O%8#"%A)"*%:4<%,P:#;)",J%%/P<,*+,+%A,<<,"%5-",%-*+%:"#<,5<4#*;%8#"%B45<4$;%#8%M424<-"O%C,P)-2%?"-)$-J
E
,*;*%./!.%0-1,23%0),-),",$+
,*;*%+"*&4+%)$*43%"-%*2"%-&%*11%-@%"#$%)$2-66$&4*",-&+%,&%"#,+%*($&4*G%>7"%"#$%@-11-',&(%
,++7$+%*)$%"#$%6-+"%7)($&"%*2",-&+%2-&()$++G%"#$%0)$+,4$&"%*&4%1-2*1%0*)"&$)+%67+"%"*D$%"-%
$&+7)$%"#*"%;$"$)*&+%-@%,)*I%*&4%*@(#*&,+"*&%($"%"#$%2*)$%*&4%+700-)"%"#$3%#*;$%$*)&$48
$601-3%"#$%&$'%()$*"$+"%($&$)*",-&:
:"-5<45,;%8#"%74"4*9%B,<,"-*;%-*+%,*5#)"-94*9%:-"<*,";74:;%A,<E,,*%<7,%B,<,"-*;R%5#$$)*4<O%-*+%5#":#"-<,%'$,"45-%<#%,*;)",%<7-<%E,%+#%*#<%2#;,%#)"%4*B,;<$,*<%4*%<7,%D,E%F",-<,;<%F,*,"-<4#*%#8%B,<,"-*;J
0)$;$&"%+7,2,4$%*6-&(%")--0+%*&4%;$"$)*&+:
?7,%*)$A,"%#8%-5<4B,%+)<O%;)454+,;%",-57,+%,:4+,$45%2,B,2;%4*%<7,%:-;<%8,E%O,-";J%0*,%-5<4B,%+)<O%;,"B45,%$,$A,"%
-55)"-<,2O%<"-56%<7,%"-<,%#8%B,<,"-*%;)454+,J%
&'('%",5#$$,*+;%<7-<%<7,%>,:-"<$,*<%#8%>,8,*;,%H>#>L%-*+%>,:-"<$,*<%#8%(,<,"-*;%'88-4";%H('L%2-)*57%-%N#4*<%*-<4#*-2%5-$:-49*%<#%5#$A-<%<7,%;<49$-%#8%;,,64*9%7,2:%8#"%5#$A-<%;<",;;%4*N)"4,;%-*+%<#%:"#$#<,%<7,%);,%#8%('%-*+%
4*%<7,%*)$A,"%#8%*,E%$,*<-2%7,-2<7%:"#8,;;4#*-2;%:"#B4+4*9%5-",%-;%E,22%-;%<7,%+,B,2#:$,*<%#8%*,E%;5",,*4*9%-*+%<",-<$,*<%<##2;J
$&+7)$%"#$%+722$++%-@%+"74$&"%;$"$)*&+%
&<%4;%5"4<45-2%<7-<%E,%5#*<4*),%<#%",;,-"57%-*+%+,B,2#:%A,;<%:"-5<45,;%8#"%;57##2;%-*+%B,<,"-*;%<#%,*;)",%<7-<%;,"B45,%
B-2),%8#"%<7,4"%+#22-"%-*+%7-B,%-55,;;%<#%-22%<7,%4*8#"$-<4#*%<7,O%*,,+%<#%$-6,%;#)*+%,+)5-<4#*-2%57#45,;J%?74;%E422%",T)4",%;57##2;%E7#%,*9-9,%4*%8"-)+%-*+%:",+-<#"O%",5")4<$,*<%<#%*#<%",5,4B,%8,+,"-2%+#22-";J
./!.%0-1,23%*($&4*
A
+700-)"%'-6$&%;$"$)*&+
C4*5,%<7,%4*<,9"-<4#*%#8%<7,%-"$,+%8#"5,;%-*+%<7,%",$#B-2%#8%$#;<%",;<"45<4#*;%#*%$424<-"O%N#A;%<7-<%E#$,*%5#)2+%
;,9$,*<%#8%<7,%('%:#:)2-<4#*%-*+%-55#)*<%8#"%WWJX%:,"5,*<%#8%;,"B45,%$,$A,";%4*%0&!%-*+%0/!J%
&'('%A,24,B,;%<7-<%8,$-2,%B,<,"-*;%+,;,"B,%<7,%7497,;<%;<-*+-"+;%#8%5-",%-*+%<",-<$,*<J%.#*9",;;%;7#)2+%4*5",-;,%
!/
*>-7"%,*;*?J%0-1,23%*($&4*
"-%+$"%-7)%&*",-&?+%&$'$+"%($&$)*",-&%-@%;$"$)*&+%70%@-)%+722$++%*&4%0)-;,4$%"#$%@711%
6$*+7)$%-@%2*)$G%+$);,2$+%*&4%-00-)"7&,"3%"#*"%"#$,)%+$);,2$%#*+%$*)&$4%',11%"*D$%"#$%
2-6>,&$4%$@@-)"+%-@%@$4$)*1%*&4%+"*"$%(-;$)&6$&"+%,&%0*)"&$)+#,0%',"#%0),;*"$%*&4%&-&0)-@,"%
+$2"-)+8
57-22,*9,;%<7-<%&"-T%-*+%'897-*4;<-*%B,<,"-*;%8-5,%4*%#"+,"%<#%<7,$%):%8#"%;)55,;;J
",;:#*;4A424<O%<#%5-",%8#"%-*+%,$:#E,"%#)"%*-<4#*R;%7,"#,;J%M-*O%#8%<7,%4;;),;%8-54*9%B,<,"-*;%<#+-O%-",%+,;5"4A,+%4*%T)#<,;%8"#$%&'('%$,$A,"%B,<,"-*;%<7"#)97#)<%<74;%+#5)$,*<J
;<-6,7#2+,";%8#"%2,-+,";74:%-*+%-5<4#*%#*%B,<,"-*;R%4;;),;U
CONGRESS EXECUTIVE
PRIVATE SECTOR NONPROFIT SECTOR
STATE & LOCAL GOVERNMENT
%
% %
21st CENTURY SOLUTIONS
&*%-++4<4#*%<#%4+,*<48O4*9%;<-6,7#2+,";%8#"%<7,%:#245O%",5#$$,*+-<4#*;%&'('%4;%-2;#%4+,*<48O4*9%4**#B-<4B,%
:"-5<45,;%<#%9,*,"-<,%5",-<4B,%;#2)<4#*;%<#%:"#A2,$;%8-54*9%<7,%D,E%F",-<,;<%F,*,"-<4#*J
$F*601$:
,8%?"-56%8",T),*5O%#8%B,<,"-*%;)454+,;%AO%8)*+4*9%<7,%,P:-*;4#*%#8%<7,%.>.R;%D-<4#*-2%(4#2,*<%>,-<7%3,:#"<4*9%CO;<,$%B4#2,*<%+,-<7%",:#"<4*9%;O;<,$%<#%-22%YK%;<-<,;J%M-*+-<,%<7-<%B,<,"-*%;<-<);%4;%",:#"<,+%AO%<7,%$,+45-2%,P-$4*,";J
4*+,:,*+,*<%-5<4#*%AO%<7,%/P,5)<4B,%G"-*57J
./!.%0-1,23%*($&4*
!!
"#$%7&*22$0"*>13%#,(#%7&$601-36$&"%)*"$%@-)%,)*IH%*&4%*@(#*&,+"*&H$)*%;$"$)*&+%,+%"*D,&(%*&%
$&-)6-7+%$2-&-6,2%*&4%$6-",-&*1%"-11%-&%&$'%;$"$)*&+%*&4%"#$,)%@*6,1,$+8
$#",%B,<,"-*;%-*+%$-64*9%<7,%,$:2#O$,*<%;4<)-<4#*%92##$4,"J%.-22;%8#"%-);<,"4<O%4*%9#B,"*$,*<%E422%-2;#%74<%*,E%B,<,"-*;%
$424<-"O%,*5#)*<,"%54B424-*%,$:2#O,";%E7#%+#%*#<%)*+,";<-*+%<7,%B-2),%#8%<7,4"%;6422;%-*+%$424<-"O%,P:,"4,*5,J%0*,%;<)+O%8#)*+%
5#*<,$:#"-"4,;J%?7,%:#:)2-<4#*%#8%B,<,"-*;%E7#%*,,+%-;;4;<-*5,%5#)2+%A,5#$,%57"#*45%-*+%5#*;)$,%;)A;<-*<4-2%",;#)"5,;%4*%;#54-2%;-8,<O%*,<%:"#9"-$;J%'%;$-22%4*B,;<$,*<%*#E%5#)2+%7,2:%;#$,%#8%'$,"45-R;%$#;<%74972O%<"-4*,+%-*+%$#<4B-<,+%4*+4B4+)-2;%5#*<"4A)<,%<#%<7,%;#2)<4#*%4*;<,-+%#8%<7,%:"#A2,$J
'897-*4;<-*%7-B,%",24,+%#*%D-<4#*-2%F)-"+%-*+%3,;,"B,%8#"5,;%4*%-*%)*:",5,+,*<,+%$-**,"J%F)-"+%-*+%3,;,"B,%)*4<;%
;<-<,;4+,%+,:2#O$,*<;J%=497%+,:2#O$,*<%"-<,;%5#):2,+%E4<7%)*5,"<-4*<O%-A#)<%E7,*%<7,%*,P<%+,:2#O$,*<%$-O%5#$,%7-B,%
-*+%!)<)",;%&*5L%<#%:"#B4+,%4**#B-<4B,%-::"#-57,;%<#%;#2B4*9%<7,%B,<,"-*%,$:2#O$,*<%5"4;4;%-*+%;)::#"<%<7,%D,E%F",-<,;<%F,*,"-<4#*J
'*O%;)55,;;8)2%-::"#-57%<#%:"#B4+4*9%B,<,"-*;%E4<7%9",-<,"%,$:2#O$,*<%#::#"<)*4<4,;%$);<%4*52)+,%:)A245%-*+%:"4B-<,%:-"<*,";J%
;,"4,;%#8%C$-"<%@#A%!-4";%4*%54<4,;%-5"#;;%<7,%*-<4#*%<#%:"#B4+,%B,<,"-*;%E4<7%$,*<#"4*9%-*+%5#-574*9%#*%N#A%;,-"57%;6422;%-;%E,22%
!8%$601-3%"#$%&$'%()$*"$+"%($&$)*",-&
!.
!8%$601-3%"#$%&$'%()$*"$+"%($&$)*",-&
E#"6:2-5,%-*+%+,B,2#:%$,-*4*98)2%5-",,";J%&'('%A,24,B,;%<7-<%E,%5-*%,*+%<7,%B,<,"-*;R%)*,$:2#O$,*<%5"4;4;%AO%,*5#)"-94*9%
For more information about the employment and education challenges of new veterans, please see the IAVA Issue Report, “Careers After Combat: Employment and Education Challenges for Iraq and Afghanistan Veterans.” All IAVA reports are available at www.iava.org/reports.
!5
!8!% $&2-7)*($%2-60*&,$+%"-%#,)$%;$"$)*&+
,8
:"#9"-$%8#"%;<-<,;%<7-<%5",-<,%N#A%:2-5,$,*<%-*+%4*5,*<4B,%:"#9"-$;%8#"%B,<,"-*;%;,,64*9%
)*4B,";4<OJ%
,,8%1"#B4+,%<-P%5",+4<;%8#"%:-<"4#<45%,$:2#O,";%<7-<%;)::#"<%,$:2#O,,;%4*%<7,%3,;,"B,%#"%D-<4#*-2%
+-O;%AO%:-O4*9%<7,%+488,",*5,%A,<E,,*%;,"B45,%$,$A,";R%54B424-*%;-2-"4,;%-*+%$424<-"O%E-9,;J%
%
,,,8
<#%=4",%=,"#,;%'5<%Z%<#%,*;)",%<7-<%<7,%4*<,*<%#8%.#*9",;;%4;%$,<%4*%-%<4$,2O%8-;74#*J
,;8%0B,"7-)2%<7,%?"-*;4<4#*%';;4;<-*5,%1"#9"-$%H?'1L%<#%-22#E%<7,%:"#9"-$%<#%A,%<-42#",+%<#%<7,%;6422%;,<%-*+%,+)5-<4#*%2,B,2%#8%<7,%;,"B45,%$,$A,"J%
;8%0B,"7-)2%<7,%>,:-"<$,*<%#8%Q-A#"%H>#QL%
-*+%,+)5-<4#*%2,B,2%-::"#:"4-<,%5#)*;,24*9%-*+%,$:2#O$,*<%;,"B45,;%<#%B,<,"-*;%-*+%A,<<,"%4*<,9"-<,%,$:2#O$,*<%;,"B45,;%E4<7%<7,%>,:-"<$,*<%#8%(,<,"-*%'88-4";J
;,8%.#*B,*,%-%:",;4+,*<4-2%;)$$4<%#*%B,<,"-*%
;,,8%/;<-A24;7%-%;,<%#8%A,;<%:"-5<45,;%8#"%
A,%+4;;,$4*-<,+%-*+%-+#:<,+%AO%-22%:)A245%-*+%
-E-",*,;;%5-$:-49*%<#%+4;;,$4*-<,%<7,;,%A,;<%:"-5<45,;%-*+%,+)5-<,%:"#;:,5<4B,%,$:2#O,";J
;,,,8%.",-<,%;<-<,%-*+%2#5-2%B,<,"-*;R%:",8,",*5,%2-E;%8#"%-22%2,B,2;%#8%9#B,"*$,*<%74"4*9%-*+%5#*<"-5<4*9J
,F8%&*4<4-<,%-%2#*94<)+4*-2%:)A245%",2-<4#*;%
,$:2#O,";%-*+%74"4*9%-9,*54,;%<#%7,2:%",+)5,%<7,%;<49$-%;)""#)*+4*9%1?C>%#"%#<7,"%$,*<-2%4*N)"4,;%4*%<7,%E#"6:2-5,J
F8%>,B,2#:%-%N#A%;,-"57%<"-4*4*9%:"#9"-$%8#"%
-*+%('J%?74;%:"#9"-$%;7#)2+%5#$,%8"#$%<7,%
;6422;J%
F,8%>,B,2#:%;$-22%",94#*-2%N#A%8-4";%<7-<%-",%<-"9,<,+%<#%2#5-2%$-"6,<;%-*+%,*;)",%<7-<%:"#;:,5<4B,%,$:2#O,";%7-B,%2#5-2%:#;4<4#*;%
B-2),%<7-<%B,<,"-*;%A"4*9%<#%<7,%E#"6:2-5,J
F,,8
,T)4B-2,*<;%4*%<7,%54B424-*%$-"6,<J%
F,,,8%>,B,2#:%4*+);<"O%8#5);,+%",<"-4*4*9%:"#9"-$;%<#%7,2:%B,<,"-*;%<"-*;2-<,%<7,4"%;6422;%-*+%A"4+9,%<7,%9-:;%A,<E,,*%<7,4"%$424<-"O%;6422;%-*+%E7-<%;6422;%<7,O%*,,+%4*%<7,%54B424-*%$-"6,<J%
$601-3$)+?%D&-'1$4($%*>-7"%;$"$)*&+%,+%>*+$4%
-&%@,2",-&*1%6-;,$+%*&4%"#$%6$4,*8%6,1,"*)3%
$F0$),$&2$%,+%&-"%)$1$;*&"%"-%2-60*&,$+8
H2#),+G%,*;*%6$6>$)%;$"$)*&
!B
F,;8%1"#B4+,%-%<-P%+,+)5<4#*%<#%A);4*,;;,;%<7-<%:"#B4+,%-++4<4#*-2%<"-4*4*9%<#%,*;)",%",<)"*4*9%3,;,"B4;<;%-*+%D-<4#*-2%F)-"+;$,*%7-B,%<7,%;-$,%2,B,2%#8%<"-4*4*9%-*+%;,*4#"4<O%-;%<7,4"%
,T)-2%<#%<7,%5#;<%#8%<7,%-++4<4#*-2%<"-4*4*9%):%<#%
#E*,+%;$-22%A);4*,;;,;J
F;8%.",-<,%-%<-P%5",+4<%8#"%4*+4B4+)-2%B,<,"-*;%
5#$:2,<,%;6422;%<"-4*4*9%A,O#*+%E7-<%<7,4"%
F;,J%C4$:248O%<7,%;,"B45,%",T)4",$,*<;%8#"%<7,%?"##:;%<#%?,-57,";%:"#9"-$J%/P:-*+%<7,%4$:-5<%#8%?"##:;%<#%?,-57,";%AO%4*52)+4*9%<7,%",5")4<$,*<%#8%:-"-:"#8,;;4#*-2;%Z%;)A;<4<)<,%
24A"-"4-*;%Z%<#%4*5",-;,%<7,%-$#)*<%#8%B,<,"-*;%4*%<7,%,+)5-<4#*%;O;<,$J%
F;,,8%1"#B4+,%#B,";497<%-*+%5#22-A#"-<4#*%<#%;)55,;;8)22O%4$:2,$,*<%<7,%(,<,"-*;%/$:2#O$,*<%&*4<4-<4B,%8#"%<7,%8,+,"-2%9#B,"*$,*<J%
M-*-9,$,*<%H01ML%;7#)2+%):+-<,%<7,%(,<,"-*;%
:"#9",;;%#8%<7,%4*4<4-<4B,%#*%-%T)-"<,"2O%A-;4;J%&8%<74;%9#-2%4;%$4;;,+%<E#%<4$,;%<7,*%.#*9",;;%;7#)2+%5",-<,%-*%-+B4;#"O%A#-"+%5#$:"4;,+%#8%2,-+,";%4*%<7,%(C0%5#$$)*4<O%<#%#B,";,,%<7,%:"#9",;;%#8%<7,%(,<,"-*;%/$:2#O$,*<%&*4<4-<4B,J%
%
%
F;,,,8%M-*+-<,%:)A245%",:#"<4*9%#8%-22%(/?C[WKK%8#"$;%8#"%-22%8,+,"-2%5#*<"-5<#";%E4<7%-%
5#*<"-5<#";%<#%+4;52#;,%<7,%*)$A,"%#8%B,<,"-*;%5)"",*<2O%E#"64*9%8#"%<7,$J%?74;%4*8#"$-<4#*%;7#)2+%A,%:)A2452O%-55,;;4A2,%#*%<7,%5,*<"-2%E,A;4<,%#:,"-<,+%AO%<7,%\JCJ%C$-22%G);4*,;;%'+$4*4;<"-<4#*J
,8%/P:-*+%>#>%?"-*;4<4#*%';;4;<-*5,%<#%:"#B4+,%<-"9,<,+%;$-22%A);4*,;;%<"-4*4*9%<#%;,:-"-<4*9%B,<,"-*;%E7#%E-*<%<#%A,5#$,%,*<",:",*,)";J%
%
,,8%'22#E%<7,%>,:-"<$,*<;%#8%>,8,*;,%-*+%Q-A#"%<#%5#*+)5<%?"-*;4<4#*%';;4;<-*5,%1"#9"-$%H?'1L%<"-4*4*9%-<%8-5424<4,;%#)<;4+,%#8%$424<-"O%A-;,;J
!8.% $&2-7)*($%;$"$)*&%$&")$0)$&$7)+#,0%
%
,,,8%/P:-*+%<7,%/*<",:",*,)";74:%G##<5-$:%8#"%(,<,"-*;%H/G(L%<#%-22%B,<,"-*;J%
,;8%3,T)4",%<7-<%-*O%5#*;<")5<4#*%:"#N,5<%
5#*<"-5<#"%4*52);4#*J
!8%$601-3%"#$%&$'%()$*"$+"%($&$)*",-&
@,&4,&(%*%I7*1,"3%C->%+7,"*>1$%@-)%63%1$;$1%-@%
$F0$),$&2$%#*+%>$$&%*&%,++7$G%*%6*C-),"3%-@%
"#$%",6$%,%#*;$%>$$&%@-)2$4%"-%2-&+,4$)%6,&,676%
0*3,&(%0-+,",-&+%4$+0,"$%*%6,1,"*)3%>*2D()-7&4%
*&4%$F0$),$&2$8
H%&,2#-1*+G%,*;*%6$6>$)%;$"$)*&
!9
!85%% 4$@$&4%")--0+%*(*,&+"%C->%4,+2),6,&*",-&
,8%!)22O%8)*+%-*+%-5<4B,2O%:"#$#<,%<7,%/$:2#O,";%C)::#"<%#8%<7,%F)-"+%-*+%3,;,"B,%H/CF3L%
;,"B45,%$,$A,";%-9-4*;<%N#A%+4;5"4$4*-<4#*J%
,,8
<#%<7,%;-$,%;<-*+-"+;%#8%5#$:24-*5,%E4<7%<7,%\*48#"$,+%C,"B45,;%/$:2#O$,*<%-*+%3,,$:2#O$,*<%3497<;%'5<%H\C/33'L%-;%:"4B-<,%;,5<#"%,$:2#O,";J%=4"4*9%$-*-9,";%-*+%+,:-"<$,*<%7,-+;%;7#)2+%8-5,%-)<#$-<45%+4;$4;;-2%48%-%+,:-"<$,*<%7-;%A,,*%8#)*+%<#%",:,-<,+2O%B4#2-<,%\C/33'%9)4+,24*,;J
,,,8%.",-<,%;<-*+-"+%54B42%-*+%5"4$4*-2%:,*-2<4,;%8#"%,$:2#O,";%E7#%7-B,%A,,*%8#)*+%<#%6*#E4*92O%B4#2-<,%\C/33'%N#A%:"#<,5<4#*;J%
,;8%'++%<7,%B4#2-<4#*%#8%\C/33'%<#%<7,%24;<%#8%#88,*;,;%<7-<%",;)2<%4*%;);:,*;4#*%#"%+4;A-"$,*<%8"#$%,2494A424<O%8#"%8,+,"-2%-*+%;<-<,%9#B,"*$,*<%5#*<"-5<;J
;8
+4;:)<,%A4*+4*9%-"A4<"-<4#*%-9",,$,*<;J
;,8
E742,%-%\C/33'%52-4$%4;%A,4*9%:"#5,;;,+J
;,,8%1)A24;7%-*%-**)-2%24;<%#8%<7,%<#:%\C/33'%
-*+%/CF3J
@,&4,&(%*%I7*1,"3%C->%+7,"*>1$%@-)%63%1$;$1%-@%
$F0$),$&2$%#*+%>$$&%*&%,++7$G%*%6*C-),"3%-@%
"#$%",6$%,%#*;$%>$$&%@-)2$4%"-%2-&+,4$)%6,&,676%
0*3,&(%0-+,",-&+%4$+0,"$%*%6,1,"*)3%>*2D()-7&4%
*&4%$F0$),$&2$8
H%&,2#-1*+G%,*;*%6$6>$)%;$"$)*&
;8%M4<49-<,%<7,%,88,5<%#8%8",T),*<%-*+%2,*9<7O%+,:2#O$,*<;%AO%:"#B4+4*9%;$-22%A);4*,;;%#E*,";%E7#%-",%;,"B4*9%4*%<7,%D-<4#*-2%F)-"+%-*+%3,;,"B,;%E4<7%<-"9,<,+%<-P%",24,8%-*+%-++4<4#*-2%
,;<-A24;7,+%8,+,"-2%-*+%2#5-2%:"#9"-$;J
;,8%/*;)",%-22%2,94;2-<4#*%<7-<%:"#$#<,;%;$-22%
A,*57$-"6%8#"%4*52);4#*%#8%B,<,"-*%74"4*9%-*+S#"%
;,,8%&*4<4-<,%-%"#A);<%-*+%4**#B-<4B,%#)<",-57%5-$:-49*%:"#$#<4*9%,P4;<4*9%;$-22%A);4*,;;%2#-*%:"#9"-$;%8#"%B,<,"-*;%<7"#)97%<7,%\JCJ%C$-22%G);4*,;;%'+$4*4;<"-<4#*J%
;,,,8
#E*,+%;$-22%A);4*,;;,;%8#"%9##+;%#A<-4*,+%<7"#)97%<7,%8,+,"-2%;)::2O%;57,+)2,%#8%<7,%F,*,"-2%C,"B45,;%'+$4*4;<"-<4#*J%
63%0-+,",-&%'*+%@,11$4%,&%63%*>+$&2$%*&4%,%'*+%
01*2$4%,&%*%1-'$)%",$)%0-+,",-&%70-&%63%)$"7)&8
H()$(G%,*;*%6$6>$)%;$"$)*&
!<
.8%0)$;$&"%+7,2,4$+%*6-&(%")--0+%*&4%;$"$)*&+
*2",;$%47"3%+7,2,4$+%#*;$%)$*2#$4%$0,4$6,2%1$;$1+8%-&$%+$);,2$%6$6>$)%2-66,"+%+7,2,4$%
*00)-F,6*"$13%$;$)3%5/%#-7)+%*&4%"#$%)*"$%@-)%;$"$)*&+%,+%1,D$13%$;$&%'-)+$8
$424<-"OJ%
-*%-B,"-9,%#8%IW%;)454+,%-<<,$:<;%:,"%+-OJ%?7,;,%<"-945%*)$A,";%#*2O%",:",;,*<%<7,%24$4<,+%;,9$,*<%#8%B,<,"-*;%E7#%4*<,"-5<%E4<7%<7,%('J%?7,%('%+#,;%*#<%",9)2-"2O%",2,-;,%+-<-%#*%<7,%*)$A,"%#8%B,<,"-*;%<7-<%5#$$4<%;)454+,%-*+%<7,",%4;%-2$#;<%*#%
-++",;;%<7,%4;;),J%
'*#<7,"%5"4<45-2%;<,:%<#%)*+,";<-*+4*9%7#E%E,%5-*%;<#:%B,<,"-*%-*+%;,"B45,%$,$A,"%;)454+,%4;%<#%)*+,";<-*+%<7-<%;)454+,%4<;,28%4;%*#<%<7,%E7#2,%4;;),J%C)454+,%4;%<7,%<"-945%5#*52);4#*%#8%<7,%8-42)",%<#%-++",;;%<7,%;:,5<")$%#8%57-22,*9,;%5#*8"#*<4*9%",<)"*4*9%
-*+%5#$$)*4<O%248,%-*+%$-*O%#<7,";J%!497<4*9%;)454+,%4;%*#<%N);<%-A#)<%:",B,*<4*9%<7,%-5<%#8%;)454+,V%4<%4;%:"#B4+4*9%-%;#8<%-*+%:"#+)5<4B,%2-*+4*9%8#"%#)"%B,<,"-*;%E7,*%<7,O%",<)"*%7#$,J
:-"<*,"%E4<7%<7,%'+%.#)*542%<#%2-)*57%-%9"#)*+A",-64*9%D-<4#*-2%(,<,"-*%C)::#"<%.-$:-49*%-4$,+%-<%-++",;;4*9%<7,%$,*<-2%
To learn more about psychological and neurological injuries, please see the IAVA Issue Reports, “Invisible Wounds: Psychological and Neurological Injuries Confront a New Generation of Veterans” and “Women Warriors: Supporting She ‘Who Has Borne the Battle.’” All reports are available at www.iava.org/reports.
./!.%0-1,23%*($&4*
!=
.8!%% 0)$;$&"%+7,2,4$%*6-&(%")--0+
.8.% 0)$;$&"%+7,2,4$%*6-&(%;$"$)*&+
,8
E7#%;5",,*%:#;4<4B,%8#"%:#;;4A2,%5#$A-<%;<",;;%4*N)"4,;J%
,,8%/$A,+%A,7-B4#"-2%7,-2<7%:"#B4+,";%4*%-22%#:,"-<4#*-2%)*4<;%#B,";,-;J%
,,,8%&*<,9"-<,%"#A);<%$,*<-2%7,-2<7%-E-",*,;;%
-*+%,*24;<,+%,+)5-<4#*%;O;<,$;J%
,;8%&$:2,$,*<%<7,%",5#$$,*+-<4#*;%#8%<7,%
:"#9"-$;%-*+%4$:"#B4*9%$,*<-2%7,-2<7%;5",,*4*9%:"#9"-$;J%
,8%?"-56%8",T),*5O%#8%B,<,"-*%;)454+,;%AO%8)*+4*9%<7,%,P:-*;4#*%#8%<7,%.,*<,";%8#"%>4;,-;,%.#*<"#2%-*+%1",B,*<4#*%(4#2,*<%>,-<7%3,:#"<4*9%CO;<,$%<#%-22%YK%;<-<,;J%M-*+-<,%<7-<%$424<-"O%;,"B45,%4;%",:#"<,+%AO%<7,%$,+45-2%,P-$4*,";J
,,8%>,B,2#:%-%N#4*<%>#>S('%;)454+,%:",B,*<4#*%
5#$$)*4<O%;,"B45,;J%
,,,8%'22#E%<7,%('%-*+%>#>%<#%:-"<*,"%E4<7%2,-+,";%4*%<7,%:"4B-<,%;,5<#"%<#%+,B,2#:%-*+%+4;;,$4*-<,%-%"#A);<%;)454+,%:",B,*<4#*%-*+%-E-",*,;;%5-$:-49*J
;8%/*;)",%<7-<%:,";#**,2%5#*+)5<4*9%<7,%",5,*<2O%
;5",,*4*9;%8#"%-22%",<)"*4*9%;,"B45,%$,$A,";%-",%<"-4*,+%<#%4+,*<48O%<7,;,%74++,*%E#)*+;%,88,5<4B,2OJ%
;,8%'22#E%<7,%>#>%<#%5#22,5<%-*+%+,;<"#O%,P5,;;%:",;5"4:<4#*%$,+45-<4#*%-;%:-"<%#8%-%5##"+4*-<,+%
#8%)**,5,;;-"O%#"%2,8<#B,"%:",;5"4:<4#*%$,+45-<4#*J%
,;8
-*+%<7,4"%8-$424,;J%
;8%&*<,9"-<,%('%-*+%>#>%;)454+,%:",B,*<4#*%,88#"<;%E4<7%2#5-2%-*+%;<-<,%;,"B45,;%;)57%-;%
-*+%5"4;4;%4*<,"B,*<4#*J%
;,8%/*;)",%<7-<%('%:"4$-"O%5-",%:"#B4+,";%
$-*-9,$,*<%-*+%<"4-9,%#8%-5)<,%;)454+,%"4;6%:-<4,*<;J%
-&$%*"$%#,+%'$*0-&G%"#$%-"#$)%#7&(%#,6+$1@8%"#$+$%
*)$%"#$%"'-%"#*"%,%D&$'%0$)+-&*113K%-7)%7&,"%#*+%
1-+"%6-)$%"-%+7,2,4$%"#*&%'$%1-+"%,&%2-6>*"8
H2-11$$&G%,*;*%6$6>$)%;$"$)*&
!E
;,,8%>,B,2#:%524*45-2%:"-5<45,%9)4+,24*,;%<#%
;,,,8%?"-4*%-22%('%7,-2<7%5-",%:"#B4+,";%H4*52)+4*9%
-*+%<",-<$,*<%:2-**4*9J%.",-<,%-*+%:"#B4+,%5#*<4*)4*9%,+)5-<4#*%<-42#",+%<#%<7,4"%;:,54-2<O%-*+%-",-%#8%,P:,"<4;,J%
,F8%/*;)",%<7-<%-22%+,:-"<$,*<;%#8%<7,%('%-",%5##:,"-<4*9%-*+%5#$$)*45-<4*9%E7,*%<7,O%,*5#)*<,"%-%B,<,"-*%4*%5"4;4;J%
F8%/;<-A24;7%;<-<,%-*+%2#5-2%:)A245%-E-",*,;;%5-$:-49*;%<7-<%<-"9,<%B,<,"-*;R%-*+%8-$42O%$,$A,";R%$,*<-2%7,-2<7%-*+%",+)5,%<7,%;<49$-%#8%;,,64*9%$,*<-2%7,-2<7%5-",J%
.8%0)$;$&"%+7,2,4$+%*6-&(%")--0+%*&4%;$"$)*&+
+,&2$%)$"7)&,&(%@)-6%,)*I%,&%.//5%,%#*;$%D&-'&%
@-7)%6*),&$+%"#*"%,%#*;$%'-)D$4%',"#%-)%#*;$%
'-)D$4%@-)%6$%'#-%'$)$%,)*I%-)%*@(#*&,+"*&%
;$"$)*&+%"#*"%2-66,""$4%+7,2,4$8
H6,2#*$1G%,*;*%6$6>$)%;$"$)*&
!A
"#$%0-+"HAL!!%(,%>,11%,+%"#$%6-+"%+,(&,@,2*&"%;$"$)*&+%>$&$@,"%,&%*%($&$)*",-&%*&4%',11%#$10%
6,11,-&+%-@%;$"$)*&+%*&4%"#$,)%@*6,1,$+%>$2-6$%"#$%&$'%()$*"$+"%($&$)*",-&8%'$%67+"%$&+7)$%
"#*"%,"%,+%0)-"$2"$4%*&4%2-&",&7$+%"-%(,;$%;$"$)*&+%*&4%"#$,)%@*6,1,$+%*%2#*&2$%*"%*%@,)+"H
21*++%@7"7)$8
<#%-%$,-*4*98)2%N#AJ
A-+%-5<#";%E7#%5-":,<%A#$A%B,<,"-*;%E4<7%+,5,:<4B,%",5")4<4*9%-*+%-+B,"<4;4*9J%(,<,"-*;%-",%<-64*9%#*%$-;;4B,%-$#)*<;%#8%+,A<%-<<,*+4*9%<7,;,%;57##2;%E4<7%*#%-;;)"-*5,%<7-<%<7,O%-",%9,<<4*9%<7,%"497<%;6422;%<7,O%*,,+%8#"%<7,%N#A%$-"6,<J
58%0)-"$2"%$472*",-&%>$&$@,"+
./!.%0-1,23%*($&4*
./
58!%% 0)-"$2"%$472*",-&%>$&$@,"+%@)-6%@)*74G%'*+"$%*&4%*>7+$
,8%
,,8%M-*+-<,%5#*;)$,"%:"#<,5<4#*;%8#"%-22%;57##2;%",5,4B4*9%F&%G422%-*+%>#>%?)4<4#*%';;4;<-*5,%8)*+;%<#%4*52)+,%",:#"<4*9%#*U
?#<-2%5#;<;%8#"%-%+,9",,>,9",,%5#$:2,<4#*%-*+%",<,*<4#*%"-<,;'B,"-9,%2#-*%+,A<%4*5)"",+%AO%;<)+,*<;
%
@#A%:2-5,$,*<%"-<,;%E4<7%;-2-"O%4*8#"$-<4#*'B-42-A424<O%#8%;<)+,*<%;,"B45,;%
,,,8%3,T)4",%<7-<%-22%;57##2;%-55,:<4*9%F&%G422%-*+%?)4<4#*%';;4;<-*5,%8)22O%",:#"<%<7,4"%+-<-%<#%<7,%D-<4#*-2%.,*<,"%8#"%/+)5-<4#*%C<-<4;<45;R%.#22,9,%D-B49-<#"J%
,;8%>,B,2#:%-*+%8)*+%-%;,5<4#*%E4<74*%.#22,9,%D-B49-<#"%<#%-22#E%8#"%;#54-2%$,+4-%4*<,9"-<4#*%-;%-%<##2%;#%<7-<%;<)+,*<;%5-*%"-<,%;57##2;%-*+%;7-",%<7,4"%,P:,"4,*5,;%E4<7%#<7,"%;<)+,*<;J
;8%3,T)4",%>#>%-*+%('%#B,";497<%#8%;57##2%:,"8#"$-*5,%-*+%;<)+,*<%;)55,;;J%?7,;,%
",9)2-"2O%",:#"<,+%<#%.#*9",;;J%
;,8
;57##2;%<7-<%B4#2-<,%8,+,"-2%2-E%#"%,*9-9,%4*%9"#;;2O%+,5,:<4B,%",5")4<4*9%:"-5<45,;J
;,,8%3,T)4",%('%<#%+4;<"4A)<,%-*%,+)5-<4#*%
+4",5<%:"#;:,5<4B,%;<)+,*<;%<#%.#22,9,%D-B49-<#"%-*+%#)<24*,%E7-<%$,<"45;%<7,O%;7#)2+%5#*;4+,"%E7,*%57##;4*9%-%;57##2%<7-<%4;%"497<%8#"%<7,4"%*,,+;J
;,,,8%3,T)4",%('%-*+%>#>%<#%+4;<"4A)<,%4*8#"$-<4#*%#*%:)A245%;<)+,*<%",;#)"5,;%246,%
&'('R;%EEEJD,EF&G422J#"9J
,F8
.);<#$,"%C,"B45,%1#"<-2%E7,",%;<)+,*<%B,<,"-*;%
-;%<7,%('%E#"6;%E4<7%-9,*54,;%<#%",;#2B,%<7,%:"#A2,$J%
F8
58%0)-"$2"%$472*",-&%>$&$@,"+
.!
58.%% $&+7)$%+"74$&"%;$"$)*&+%*)$%+722$++@71%,&%2-11$($
,8%
5-$:);%AO%-+#:<4*9%,-./.01&2345&678759:;25<7:=>?&@718&A59B8<B71CD
1-"<454:-<,%4*%<7,%D,E%F&%G422%],22#E%34AA#*%%%%%%1"#9"-$V'9",,%<#%A,%-%C,"B45,$,$A,"%0::#"<)*4<O%%
%%%%.#22,9,%HC0.L%-*+%:"#B4+4*9%5#22,9,%5",+4<%8#"%%%%%%$424<-"O%<"-4*4*9V.",-<,%-*+%;)::#"<%-%B,<,"-*;R%9"#):%#*%%
%%%%5-$:);V%-*+?"-4*%8-5)2<O%-*+%;<-88%#*%B,<,"-*;R%4;;),;J
,,8%>,B,2#:%-%:"#9"-$%<#%24*6%B,<,"-*;%E4<7%<");<,+%,+)5-<4#*%5#)*;,24*9%;,"B45,;%<7-<%7,2:%:"#;:,5<4B,%;<)+,*<%B,<,"-*;%E4<7%<,;<%:",:-"-<4#*%-*+%-+$4;;4#*;%5#)*;,24*9J
,,,8%C<)+O%B,<,"-*%;)55,;;%-*+%8-42)",%4*%;57##2%<#%4+,*<48O%-%;,<%#8%;<-*+-"+;%8#"%;<)+,*<%;)55,;;%#*%5-$:);%-4$,+%-<%,-;4*9%<7,%<"-*;4<4#*%<#%-*+%8"#$%5#22,9,%-*+%:"#$#<4*9%-5-+,$45%;)55,;;J%
"#$%+2#--1%4-$+%*&%$F2$11$&"%C->%*"%@-+"$),&(%
;$"$)*&%()-70+8%,%2#-+$%"#,+%+2#--1%-;$)%-"#$)+%
0*)",271*)13%>$2*7+$%#-'%;$"$)*&+%,&"$)*2"$4%
*6-&(%-"#$)%;$"$)*&+%*+%'$11%*+%"#$%+"74$&"%
>-43%-;$)*118
HC*6$+G%,*;*%6$6>$)%;$"$)*&
,;8%>,B,2#:%-%;)4<,%#8%:"#+)5<;%-*+%;,"B45,;%<7-<%5-*%7,2:%;<)+,*<%B,<,"-*;%-574,B,%<7,4"%-5-+,$45%9#-2;J%
;8%!)22O%8)*+%<7,%^M#+,2%1"#9"-$;%8#"%.,*<,";%#8%
;<)+,*<%B,<,"-*;J%
;,8%3,T)4",%5#22,9,;%-*+%)*4B,";4<4,;%<#%",4$A)";,%:-4+%<)4<4#*%<#%;<)+,*<;%E7#%-",%
5#$:2,<,%5#)";,E#"6J%
;,,8%1"#B4+,%9#B,"*$,*<%9"-*<;%<#%(C0;%<#%+,B,2#:%;<)+,*<%B,<,"-*%;,"B45,%:"#9"-$;%4*%#"+,"%<#%7,2:%B,<,"-*;%-574,B,%<7,4"%,+)5-<4#*-2%9#-2;J%
..
585%% +")$*61,&$%"#$%&$'%(,%>,11%M&$'%(,%>,11%58/N
,8
<-P%8"#$%*,E%,*24;<,,;J%
,,8%
,,,8
:-"%E4<7%;<)+,*<%B,<,"-*;%-<%:"4B-<,%;57##2;%#"%",T)4"4*9%;57##2;%<#%<",-<%B,<,"-*;%-*+%<7,4"%
,;8%'22#E%D-<4#*-2%F)-"+;$,*%-*+%3,;,"B4;<;%E4<7%2,;;%<7-*%<7",,%O,-";%#8%<#<-2%-5<4B,%+)<O%;,"B45,%<#%:-"<454:-<,%4*%<7,%],22#E%34AA#*%1"#9"-$J%
;8
B,<,"-*;%<#%);,%<7,4"%",$-4*4*9%,*<4<2,$,*<%<#%",:-O%;<)+,*<%2#-*;J
;,8
;,,8%'22#E%$,+45-22O%+4;57-"9,+%B,<,"-*;%-*+%",<4",,;%<#%<"-*;8,"%<7,4"%)*);,+%D,E%F&%G422%
;,,,8%3,;<#",%4*<,"B-2%:-O$,*<;%8#"%A",-6;%4*%<7,%;57##2%O,-"J%/*;)",%<7-<%A",-6%:-O%+#,;%*#<%
58%0)-"$2"%$472*",-&%>$&$@,"+
,%',+#%"#$)$%'*+%6-)$%)$2-(&,",-&%*&4%2)$4,"+%
@-)%6,1,"*)3%+2#--1+%*&4%$F0$),$&2$8%*&4%*%
0)-()*6%@-)%")*&+,",-&,&(%;$"$)*&+%"-%2-11$($8%
*"%63%+2#--1G%$;$)3%;$"$)*&%#*+%"-%*+D%"#$%+*6$%
I7$+",-&+%*&4%(-%"#)-7(#%"#$%+*6$%@)7+")*",&(%
0)-2$++$+
H)->G%,*;*%6$6>$)%;$"$)*&
.5
B8%,60)-;$%2*)$%@-)%@$6*1$%;$"$)*&+
"#$%&*",-&%,+%+",11%7&0)$0*)$4%"-%#*&41$%"#$%+7)($%-@%)$"7)&,&(%@$6*1$%;$"$)*&+8
"#2,;%-;%*)";,;%-*+%;)::#"<%;<-88J%?7,O%7-B,%9)-"+,+%A-;,;%-*+%:"4;#*,";%#8%E-"V%-5<4B,2O%:-<"#22,+%7#;<42,%-",-;V%9-<7,",+%
';%E#$,*%$-6,%9",-<,"%5#*<"4A)<4#*;%<#%<7,%-"$,+%8#"5,;%<7,O%-",%4*5",-;4*92O%,*5#)*<,"4*9%<7,%;-$,%4;;),;%-;%<7,4"%$-2,%
#8%E#$,*%4*%<7,%('%;O;<,$%-",%+4-9*#;,+%E4<7%1?C>J%?7,%+4B#"5,%"-<,%8#"%E#$,*%B,<,"-*;%4;%<E45,%<7-<%#8%54B424-*%E#$,*V%
B,<,"-*;%-",%<E45,%-;%246,2O%-;%54B424-*%E#$,*%<#%A,%7#$,2,;;V%48%<7,O%-",%-2",-+O%24B4*9%4*%:#B,"<O%<7,4"%246,247##+%$#",%<7-*%<"4:2,;J%
<7,%7497%4*54+,*5,%#8%;,P)-2%-;;-)2<%-<%('%8-5424<4,;J
5#$A-<%-E-"+;%<#%;)A;<-*<4-<,%1?C>%52-4$;J%?7,%('%7-;%57-*9,+%<7,%$,<7#+%8#"%,B-2)-<4*9%1?C>%52-4$;%A)<%4<%",$-4*;%<#%A,%
+,;,"B,J
To learn more about the unique issues impacting women warriors, please see the IAVA Issue Report, “Women Warriors: Supporting She ‘Who Has Borne the Battle.’” All IAVA reports are available at www.iava.org/reports.
./!.%0-1,23%*($&4*
.B
B8!%% ,60)-;$%#$*1"#%2*)$%@-)%@$6*1$%;$"$)*&+
B8.%% $F0*&4%>$&$@,"+%@-)%@$6*1$%;$"$)*&+
,8%&*5",-;,%8)*+4*9%8#"%(,<%.,*<,";%-*+%('%$,+45-2%8-5424<4,;%;#%<7,%('%5-*%74",%$#",%8,$-2,%
;:,54-24;<;J%
,,8%&*5",-;,%-B-42-A424<O%#8%<",-<$,*<%#:<4#*;%-*+%T)-24<O%5-",%AO%-22#E4*9%E#$,*%,*"#22,+%4*%<7,%('%7,-2<7%5-",%;O;<,$%<#%A,%<",-<,+%AO%:7O;454-*;%#)<;4+,%#8%<7,%('%;O;<,$%48%;:,54-24;<;%4*%E#$,*R;%7,-2<7%5-",%-",%*#<%-B-42-A2,J%
,,,8
:"#B4+,%5#$:",7,*;4B,%7,-2<7%5-",%<#%E#$,*%
52,-"2O%#)<24*,%<7,%;<,:;%*,,+,+%;#%<7-<%-22%8-5424<4,;%5-*%$,,<%<74;%9#-2J%
,8%'::"#:"4-<,%8)*+4*9%8#"%-%('%#)<",-57%-*+%-+B,"<4;4*9%5-$:-49*%+4",5<,+%-<%8,$-2,%<"##:;%-*+%B,<,"-*;%<#%7,2:%4*8#"$%<7,$%#8%<7,4"%
,,8%3,:#"<%#*%<7,%;<-<);%#8%<7,%('%:42#<%:"#9"-$%
<7,%.-",94B,";%-*+%(,<,"-*;%0$*4A);%=,-2<7%
:"#9"-$%A-;,+%#*%*,,+J
,;8%';;)",%5#$:24-*5,%4*%-22%('%8-5424<4,;%E4<7%<7,%A,;<%:"-5<45,;%8#"%;-8,<O%-*+%:"4B-5O%#)<24*,+%
-*+%#B,";497<J
;8%3,:#"<%#*%<7,%5#$:2,<4#*%"-<,;%8#"%:-"<454:-*<;%
/;<-A24;7%;<-*+-"+;%",T)4"4*9%-%:,"5,*<-9,%#8%
",;4+,*5O%:"#9"-$%<#%,*;)",%<7-<%,-57%8-5424<O%4;%-A2,%<#%:"#B4+,%A-;45%;<-*+-"+;%#8%T)-24<O%5-",%<#%E#$,*%B,<,"-*;%-*+%+,-+24*,;%8#"%5#$:24-*5,J
;,8%!#;<,"%-*%4*<,"*-2%5)2<)",%<7-<%E,25#$,;%8,$-2,%B,<,"-*;%AO%;<",*9<7,*4*9%<7,%"#2,%#8%<7,%E#$-*%B,<,"-*;R%:"#9"-$%$-*-9,"%E4<74*%<7,%('%-*+%,*;)"4*9%<74;%:#;4<4#*%4;%94B,*%<7,%-)<7#"4<O%*,5,;;-"O%<#%4$:2,$,*<%:#2454,;J%
,,,8%/B-2)-<,%5)"",*<%('%7#);4*9%-*+%-;;4;<-*5,%:"#9"-$;%8#"%7#$,2,;;%-*+%+4;:2-5,+%E#$,*%B,<,"-*;%-*+%<7,4"%8-$424,;%-*+%$-6,%",5#$$,*+-<4#*;%8#"%4$:"#B,$,*<J%
B8%,60)-;$%2*)$%@-)%@$6*1$%;$"$)*&+
"#$3%1760%7+%*11%,&"-%-&$%2*"$(-)38%,%$;$&%($"%
*+D$4%*"%"#$%;*%,@%,%*6%*%+0-7+$
H6*)3H*&&G%,*;*%6$6>$)%;$"$)*&
.9
6*&3%")--0+%*&4%;$"$)*&+%*)$%+",11%&-"%($"",&(%"#$%6$&"*1%#$*1"#%")$*"6$&"%"#$3%
4$+0$)*"$13%&$$48
!"#$%$&'()*+,"-%)+.)*/01
"-<,;%#8%5#$A-<%;<",;;J%],<%#*,%;<)+O%8#)*+%<7-<%#*2O%II%:,"5,*<%#8%B,<,"-*;%;,,*%-<%<7,%('%",5,4B,+%$4*4$-2%5-",%8#"%1?C>J%
-*+%'897-*4;<-*%B,<,"-*;%",:#"<,+%-%:"#A-A2,%?G&%+)"4*9%+,:2#O$,*<J%'*+%<,*;%#8%<7#);-*+;%-",%5#:4*9%E4<7%:;O57#2#945-2%-*+%*,)"#2#945-2%:"#A2,$;%#<7,"%<7-*%?G&J
'"$O%C)"9,#*%F,*,"-2%",5#$$,*+;%<7-<%<7,",%;7#)2+%A,%-<%2,-;<%#*,%A,7-B4#"-2%7,-2<7%;:,54-24;<%+,:2#O,+%#B,";,-;%8#"%,B,"O%
-55,;;%<#%<7,%*,5,;;-"O%;)::#"<J%/88,5<4B,%<",-<$,*<%4;%-2;#%;5-"5,%8#"%B,<,"-*;%E7#%7-B,%2,8<%<7,%$424<-"OJ%?7,%('%7-;%94B,*%
B4;4<%<7,%('J%G)<%('%5-",%4;%*#<%-2E-O;%5#*B,*4,*<%-*+%N);<%#B,"%7-28%#8%&"-T%-*+%'897-*4;<-*%B,<,"-*;%E7#%-",%,2494A2,%8#"%4<;%
-",%,;:,54-22O%7-"+%74<%-*+%<7,%-B-42-A424<O%-*+%T)-24<O%#8%$,*<-2%7,-2<7%5-",%8#"%8,$-2,%B,<,"-*;%"-*9,;%E4+,2OJ%M-*O%B,<,"-*;%
7#$,%-*+%;)454+,J%.#$:#)*+4*9%<7,%;#$,<4$,;%4*-+,T)-<,%<",-<$,*<%4;%<7,%7,-BO%;<49$-%-;;#54-<,+%E4<7%",5,4B4*9%$,*<-2%7,-2<7%5-",J%'2$#;<%7-28%#8%;#2+4,";%-*+%-%<74"+%#8%M-"4*,;%4*%'897-*4;<-*%E7#%<,;<,+%:#;4<4B,%8#"%-%:;O57#2#945-2%4*N)"O%",:#"<,+%5#*5,"*;%<7-<%<7,4"%8,22#E%;,"B45,%$,$A,";%E#)2+%;,,%<7,$%-;%E,-6J%'2$#;<%W%4*%I%#8%<7,;,%<"##:;%E#""4,+%-A#)<%<7,%,88,5<%
:"#8,;;4#*-2;%-B-42-A2,%<#%<"##:;%-*+%B,<,"-*;%-*+%4$:"#B,%<7,%<"-564*9%-*+%<",-<$,*<%#8%?"-)$-<45%G"-4*%&*N)"O%-*+%M424<-"O%C,P)-2%?"-)$-J%
To learn more about psychological and neurological injuries, please see the IAVA Issue Report, “Invisible Wounds: Psychological and Neurological Injuries Confront a New Generation of Veterans.” All reports are available at www.iava.org/reports.
98%")$*"%,&;,+,>1$%,&C7),$+
./!.%0-1,23%*($&4*
.<
,8%&;;),%-%:",;4+,*<4-2%*-<4#*-2%5-22%<#%;,"B45,%8#"%;6422,+%$,*<-2%7,-2<7%:"#8,;;4#*-2;J
,,8%>,B,2#:%-%:"#9"-$%<#%<"-4*%B,<,"-*;%<#%A,%:,,"%;)::#"<%5#)*;,2#";%#"%5#*<4*),%<#%;,"B,%-;%$,*<-2%7,-2<7%:"#B4+,";%4*%<7,%>#>%-*+%('J%
,,,8%'++",;;%<7,%5"4<45-2%;7#"<-9,%#8%A,7-B4#"-2%7,-2<7%:"#8,;;4#*-2;%E4<74*%>#>%-*+%<7,%('%AO%
-*+%4*5,*<4B,;J%
,;8%>,B,2#:%-*+%-99",;;4B,2O%+4;;,$4*-<,%5#$A-<%;<",;;%4*N)"O%<"-4*4*9%:"#9"-$;%8#"%54B424-*%A,7-B4#"-2%7,-2<7%:"#8,;;4#*-2;%<7-<%
7,-2<7%9"-+)-<,%;<)+,*<;%-*+%:"#8,;;4#*-2%-;;#54-<4#*;LJ%
98%")$*"%,&;,+,>1$%,&C7),$+
98!% $1,6,&*"$%2-6>*"%+")$++%+",(6*%*&4%0)-6-"$%")$*"6$&"%@-)%6$&"*1%#$*1"#%,&C7),$+
98.%% 2-6>*"%"#$%+#-)"*($%-@%>$#*;,-)*1%#$*1"#%0)-@$++,-&*1+
,8%Q-)*57%-%*-<4#*-2%-E-",*,;;%5-$:-49*%<#%5#$A-<%<7,%;<49$-%#8%;,,64*9%7,2:%8#"%5#$A-<%;<",;;%4*N)"4,;%-*+%<#%:"#$#<,%<7,%);,%#8%>#>%-*+%('%;,"B45,;%;)57%-;%(,<%.,*<,";%-*+%<7,%(,<,"-*;%."4;4;%Q4*,J%?74;%5-$:-49*%;7#)2+%A,%
,,8%3,T)4",%-%N#4*<%>#>%-*+%('%;<)+O%<#%4+,*<48O%A,;<%:"-5<45,;%8#"%,*;)"4*9%<7-<%:"4B-5O%4;%;<"45<2O%:"#<,5<,+%-*+%-249*,+%E4<7%8,+,"-2%:"#<,5<4#*;%
$,$A,";%;,,64*9%$,*<-2%7,-2<7%5-",J
,,,8%.#*<4*),%-+,T)-<,%8)*+4*9%<#%8)22O%4$:2,$,*<%<7,%D-<4#*-2%F)-"+%-*+%3,;,"B,%],22#E%
F)-"+;$,*%-*+%<7,4"%8-$424,;J
,;8%.#*+)5<%-%5#$:",7,*;4B,%-)+4<%#8%:-;<%
AO%<7,%>#>%<#%5,"<48O%<7-<%;,"B45,%$,$A,";%
#"%*,)"#2#945-2%4*N)"4,;%E,",%*#<%4$:"#:,"2O%+4;57-"9,+J%
;8
7,-2<7%:"#8,;;4#*-2;%4*%$424<-"O%5)2<)",%-*+%<7,%
B,<,"-*;%-*+%<7,4"%8-$424,;J%?74;%;7#)2+%4*52)+,%A,;<%:"-5<45,;%4*%:"#B4+4*9%5-",%<#%<74;%5#$$)*4<OJ%
;,8%
;,5<#";%<#%,;<-A24;7%-%*-<4#*-2%B,<,"-*;R%:#"<-2%<7-<%5#**,5<;%B,<,"-*;%<#%<7,%:)A245%-*+%:"4B-<,%$,*<-2%7,-2<7%",;#)"5,;%-B-42-A2,%<#%B,<,"-*;%#8%&"-T%-*+%'897-*4;<-*J
"#$%+",(6*%#*+%*&4%',11%0)$;$&"%6*&3%@)-6%
+$$D,&(%")$*"6$&"%7&",1%,"%,+%"--%1*"$8
H",6-"#3G%,*;*%6$6>$)%;$"$)*&
.=
985%% ,60)-;$%")*2D,&(%*&4%")$*"6$&"%-@%")*76*",2%>)*,&%,&C7)3%M">,N
,8%3,T)4",%<7-<%5#9*4<4B,%A,7-B4#"-2%<7,"-:O%A,%5#B,",+%AO%?3&.'3/%8#"%B,<,"-*;%",5#B,"4*9%8"#$%?G&J%
,,8
(,<,"-*;%=,-2<7%3,94;<"O%AO%",T)4"4*9%>#>%<#%;7-",%E4<7%('%#:,"-<4#*-2%;4<)-<4#*%",:#"<;%#8%-22%;,"B45,%$,$A,";%,P:#;,+%<#%A2-;<;%-*+%#<7,"%5-);,;%#8%7,-+%-*+%*,56%4*N)"OJ
,,,8%&*5",-;,%8)*+4*9%E4<74*%<7,%>,:-"<$,*<%#8%=,-2<7%-*+%=)$-*%C,"B45,;R%A)+9,<%8#"%?G&%
5#$$)*4<O%;)::#"<J%
,;8%.#*+)5<%-%;<)+O%<#%+,<,"$4*,%E7,<7,"%-%*,)"#2#94;<%;7#)2+%#B,";,,%:",;5"4:<4#*;%-*+%
;8
;,8
;8%/;<-A24;7%-*+%8)*+%-%<##2%<#%-22#E%8#"%<7,%
-*+%<",-<$,*<%#8%4*B4;4A2,%4*N)"4,;J%?74;%<##2%;7#)2+%A,%8#5);,+%#*%5#**,5<4*9%<7,%$,*<-2%7,-2<7%5#$$)*4<O%5)"",*<2O%<",-<4*9%B,<,"-*;%-*+%A,%-%",;#)"5,%<#%<7#;,%E7#%E4;7%<#%;<-"<%+#4*9%;#J%?74;%<##2%;7#)2+%4*52)+,%-%;,5<4#*%8#"%2-O%B,<,"-*;%E7#%E4;7%<#%",5,4B,%<"-4*4*9%-;%:,,"%5#-57,;%8#"%#<7,"%B,<,"-*;%4*%*,,+%#8%5-",J%
;,8
$,*<-2%7,-2<7%;,"B45,;%-*+%-;;4;<-*5,J
"#$%+",(6*%#*+%*&4%',11%0)$;$&"%6*&3%@)-6%
+$$D,&(%")$*"6$&"%7&",1%,"%,+%"--%1*"$8
H",6-"#3G%,*;*%6$6>$)%;$"$)*&
'#$&%,%"),$4%"-%($"%#$10%,"%"--D%E%6-&"#+%"-%($"%
*&%*00-,&"6$&"8%"#$&%,%'*+%(,;$&%*%=%!L.%6,&7"$%
*00-,&"6$&"%$;$)3%+,F%6-&"#+%,&%'#,2#%"#$%
4-2"-)%"-14%6$%*>-7"%"#$%6$4+%,%'-714%>$%(,;$&8
H"#$-4-)$G%,*;*%6$6>$)%;$"$)*&
.E
98B%% 4$@$&4%")--0+%*(*,&+"%6,1,"*)3%+$F7*1%")*76*%M6+"N%
,8%/*;)",%8)22%8)*+4*9%8#"%<7,%C,P)-2%';;-)2<%1",B,*<4#*%-*+%3,;:#*;,%1"#9"-$%HC'13L%AO%4*52)+4*9%4<%4*%>#>R;%1"#9"-$%0AN,5<4B,%M,$#"-*+)$%A)+9,<4*9%:"#5,;;%<#%,*;)",%<7-<%-%;,:-"-<,%24*,%#8%8)*+4*9%4;%-22#5-<,+%<#%<7,%;,"B45,;J
,,8%/*;)",%-22%;,"B45,%$,$A,";%7-B,%-55,;;%<#%-%",;<"45<,+%",:#"<4*9%#:<4#*%-*+%4$:"#B,%-B,*),;%8#"%",;<"45<,+%",:#"<4*9J%'22#E%B45<4$;%<#%",;,"B,%<7,4"%"497<%<#%-%",;<"45<,+%",:#"<%,B,*%
<7,%,P5,:<4#*%#8%57-4*%#8%5#$$-*+%#"%2-E%,*8#"5,$,*<J%
,,,8%/P:-*+%<7,%(,<,"-*;%."4;4;%Q4*,%<#%-22#E%B45<4$;%<#%",:#"<%;,P)-2%-;;-)2<%-*+%7-"-;;$,*<%
5#**,5<,+%E4<7%2#5-2%;,P)-2%-;;-)2<%",;:#*;,%5##"+4*-<#";J%
98%")$*"%,&;,+,>1$%,&C7),$+
.A
'#$&%+$);,2$%6$6>$)+%$&1,+"G%"#$,)%@*6,1,$+%$&1,+"%',"#%"#$68%6,1,"*)3%@*6,1,$+%#*;$%>)*;$4%
7&,I7$%2#*11$&($+%',"#%"#$%+*6$%+")$&("#%*&4%)$+,1,$&2$%*+%"#$,)%1-;$4%-&$+%@,(#",&(%
-;$)+$*+8
&'('R;%$4;;4#*%4;%<#%;)::#"<%-*+%;,"B,%*#<%N);<%#)"%B,<,"-*;%A)<%-2;#%<7,4"%8-$424,;%A,5-);,%E,%6*#E%<7-<%E7,*%;,"B45,%
",<)"*%8"#$%&"-T%-*+%'897-*4;<-*%#B,"%<7,%5#$4*9%O,-";J
$,*<-2%+4;#"+,";%-;%<7,%",;)2<%#8%<7,%;<",;;%#8%;,:-"-<4#*%-*+%8,-"%8#"%<7,4"%;,"B45,%$,$A,";R%24B,;J%M424<-"O%5742+",*%-2;#%8-5,%
<#%;,22%<7,4"%7#$,;%A,5-);,%#8%<7,%*-<4#*-2%7#);4*9%5"4;4;J%'*+%:",+-<#"O%2,*+,";%7-B,%<-6,*%-+B-*<-9,%#8%<74;%2-"9,2O%O#)*9%
A,%-++",;;,+%)"9,*<2OJ
+,:2#O$,*<%5#)2+%;##*%+4;"):<%<7,4"%24B,;%-9-4*J%
#<7,"%;<-<4;<45;%52,-"2O%4*+45-<,%<7-<%#)"%",;:#*;,%<#%B,<,"-*;R%*,,+;%$);<%<-6,%-%7#24;<45%-*+%*)-*5,+%-::"#-57%<7-<%4*52)+,;%<7,4"%8-$424,;%-*+%#<7,";%-88,5<,+%AO%<7,4"%",<)"*%8"#$%E-"J%
For more information about the challenges confronting military families, please see the IAVA Issue Report, “Unsung Heroes: Military Families After Ten Years of War.” All IAVA reports are available at www.iava.org/reports.
<8%+700-)"%6,1,"*)3%@*6,1,$+
./!.%0-1,23%*($&4*
5/
,8%1"#B4+,%5742+5-",%B#)57,";%<#%D-<4#*-2%F)-"+;$,*%-*+%3,;,"B4;<;%8#"%-22%-5<4B,%+)<O%
-*+%<,$:#"-"O%+)<OJ%
,,8%/P<,*+%<7,%7#)";%#8%>#>%-5<4B,%+)<O%5742+5-",%8-5424<4,;%<#%4*52)+,%E,,6,*+%-*+%-8<,"%A);4*,;;%7#)"%;,"B45,;J%
,,,8%/B-2)-<,%<7,%8,-;4A424<O%#8%;,<<4*9%:,"4#+;%
-",%$-""4,+%<#%-%;,"B45,%$,$A,"%-*+%-",%*#<%
+,:2#O$,*<;%;#%<7-<%#*,%:-",*<%5-*%-2E-O;%A,%E4<7%<7,%5742+",*J
,;8%3,9)2-<,%5-"%+,-2,";%-*+%:-O+-O%2#-*;%E4<74*%WKK%$42,;%#8%-%$424<-"O%4*;<-22-<4#*%<#%:",B,*<%<7,$%8"#$%)*8-4"2O%<-"9,<4*9%;,"B45,%$,$A,";%-*+%<7,4"%8-$424,;J%
<8%+700-)"%@-)%6,1,"*)3%@*6,1,$+
<8!%% ,&2)$*+$%6$&"*1%#$*1"#%+700-)"%@-)%6,1,"*)3%@*6,1,$+
<8.%% ,60)-;$%+$);,2$+G%>$&$@,"+%*&4%#$*1"#%2*)$%@-)%6,1,"*)3%@*6,1,$+
,8%/P:-*+%('%$,*<-2%7,-2<7%;,"B45,;%<#%B,<,"-*;R%
<",-<$,*<%8#"%$,*<-2%7,-2<7%#"%A,7-B4#"-2%7,-2<7%:"#A2,$;J%
,,8%&;;),%-%*-<4#*E4+,%5-22%<#%",5")4<%$,*<-2%7,-2<7%:"#8,;;4#*-2;%-*+%4$:"#B,%<"-4*4*9%8#"%$,*<-2%7,-2<7%;,"B45,%:"#B4+,";%<#%A,<<,"%)*+,";<-*+%<7,%
<7,4"%8-$424,;%-*+%<7,%*)-*5,;%#8%$424<-"O%5)2<)",J%
,,,8%.#*+)5<%-%N#4*<%>#>S('%;<)+O%#8%;,5#*+-"O%1?C>%-*+%4<;%4$:-5<%#*%$424<-"O%;:#);,;%-*+%5742+",*J%
,;8%/P:-*+%?3&.'3/%<#%5#B,"%9"4,8%5#)*;,24*9%8#"%;)"B4B#";J%
;8%&$:2,$,*<%<7,%",5#$$,*+-<4#*;%#8%<7,%>#>%$,*<-2%7,-2<7%<-;6%8#"5,%AO%$#*4<#"4*9%;)"B4B#";%
;,8%'22#E%<7,%>#>%-*+%('%<#%:-"<*,"%E4<7%-*+%
';;4;<-*5,%1"#9"-$%8#"%C)"B4B#";%H?'1CL%-*+%#<7,"%(C0;%<#%-;;4;<%$424<-"O%8-$424,;%-*+%;)"B4B#";J%
;,,8%3-4;,%-E-",*,;;%#8%1?C>%-*+%#<7,"%$,*<-2%+4;#"+,";%-$#*9%;,"B45,%$,$A,";%-*+%<7,4"%8-$424,;%-*+%",+)5,%<7,%;<49$-%#8%$,*<-2%7,-2<7%<",-<$,*<J%
;,,,8%&$:"#B,%<"-4*4*9%8#"%$,*<-2%7,-2<7%;,"B45,%:"#B4+,";%<#%,88,5<4B,2O%+4-9*#;,%-*+%<",-<%$,*<-2%-*+%A,7-B4#"-2%:"#A2,$;%-$#*9%$424<-"O%5742+",*%4*%<7,%,-"2O%;<-9,;%#8%<7,;,%+4;#"+,";J%
$;$&%*%3$*)%*@"$)%>$,&(%#-6$G%63%+-&%'-714%&-"%
1$"%6$%(-%*&3'#$)$%',"#-7"%#,6G%&-"%$;$&%"-%
>*"#)--6
%HD8%6*)DG%,*;*%6$6>$)%;$"$)*&
5!
<85%% +700-)"%$601-36$&"%*&4%$472*",-&%@-)%6,1,"*)3%@*6,1,$+
,8%!)22O%8)*+%-*+%:"#$#<,%<7,%:"#$#<,%>#>R;%MO%.-",,"%'+B-*5,$,*<%'55#)*<;%:"#9"-$%HMO.''L%<7-<%:"#B4+,;%$424<-"O%;:#);,;%E4<7%5"4<45-2%5-",,"%<"-4*4*9%-*+%,+)5-<4#*J%
,,8%/P:-*+%#*24*,%2,-"*4*9%#::#"<)*4<4,;%-*+%
E7,*%<7,O%$#B,J%
,,,8%'22#E%8#"%9",-<,"%",54:"#54<O%8#"%:"#8,;;4#*-2%245,*;,;%-5"#;;%;<-<,;J%0"%$-6,%245,*;,;%
-5"#;;%;<-<,%24*,;%<#%4$:"#B,%$424<-"O%;:#);,%,$:2#O$,*<J%
,;8%.",-<,%:-"<*,";74:;%A,<E,,*%<7,%>,:-"<$,*<;%#8%>,8,*;,%-*+%Q-A#"%8#"%N#A%<"-4*4*9%:"#9"-$;%<#%7,2:%$424<-"O%;:#);,;%A)42+%;6422;%-*+%,P:-*+%5-",,"%#::#"<)*4<4,;J%
;8%1"#B4+,%$#",%-55,;;4A2,%-*+%52,-","%
#::#"<)*4<4,;%<#%7,2:%$424<-"O%8-$424,;%$-6,%A,<<,"%
;,8%F"-*<%<-P%5",+4<;%<#%$424<-"O%;:#);,;%<#%:)";),%,+)5-<4#*-2%#::#"<)*4<4,;J
;,,8
5#22,9,%<)4<4#*J%
;8%/;<-A24;7%-%('%:42#<%:"#9"-$%<#%-;;,;;%<7,%8,-;4A424<O%#8%:"#B4+4*9%5742+5-",%;)A;4+4,;%<#%B,<,"-*;%;#%<7-<%<7,O%$-O%-55,;;%-::"#:"4-<,%$,*<-2%7,-2<7%5-",%;,"B45,;J%
;,8%/*;)",%4$:2,$,*<-<4#*%#8%<7,%('%-+B4;#"O%5#$$4<<,,R;%",5#$$,*+-<4#*%#*%,;<-A24;74*9%
5##"+4*-<4#*%-*+%",94;<"O%8#"%;)"B4B#";J%
;,,8
-B-42-A2,%#:<4#*;J%
;,,,8%&*5",-;,%;)A;4+4,;%8#"%5742+5-",%-*+%4$:"#B,%T)-24<O%#8%-*+%-55,;;%<#%5742+5-",%:"#9"-$;J%
,F8
;,"B45,;%4*%54B424-*%5#$$)*4<4,;%8#"%F)-"+;$,*%
F8%/P<,*+%5742+5-",%;,"B45,;%<#%5#B,"%E,,6,*+;%
F,8
E742,%<7,4"%8-$42O%$,$A,"%4;%+,:2#O,+J
F,,8%/*8#"5,%;<"45<,"%$#*4<#"4*9%#8%2,*+4*9%:"-5<45,;%<#%:",B,*<%:",+-<#"O%-*+%-A);4B,%2,*+4*9%AO%2#-*%-9,*54,;%<#%;,"B45,%$,$A,";%-*+%<7,4"%8-$424,;J%
5.
<8B%% @,(#"%4-6$+",2%;,-1$&2$%,&%"#$%6,1,"*)3
,8
",5#$$,*+-<4#*;%#8%<7,%>,8,*;,%?-;6%!#"5,%#*%>#$,;<45%(4#2,*5,%",:#"<J%?7,%>#>%$);<%:)<%4*%:2-5,%-%5#$:",7,*;4B,%:2-*%<#%-++",;;%<7,%+-<-%
B4#2,*5,%+-<-A-;,J%?7,%>#>%*,,+;%<#%-2;#%-**)-22O%,B-2)-<,%-*+%",:#"<%<7,%:",B-2,*5,%#8%
5742+%-A);,%4*%<7,%$424<-"OJ
,,8%&*5",-;,%-55#)*<-A424<O%8#"%+#$,;<45%B4#2,*5,%#88,*;,;%E4<74*%>#>%-*+%<7,%54B424-*%5"4$4*-2%N);<45,%;O;<,$%-*+%,*;)",%#88,*+,";%E4<7%$,*<-2%7,-2<7%4;;),;%",5,4B,%*,,+,+%<",-<$,*<J%
,,,8%&$:"#B,%5##"+4*-<4#*%A,<E,,*%<7,%$424<-"O%-*+%54B424-*%;O;<,$;%<#%:",B,*<%-*+%",;:#*+%<#%+#$,;<45%B4#2,*5,J%
,;8%&$:"#B,%+-<-%5#22,5<4#*%#*%4*54+,*<;%#8%+#$,;<45%B4#2,*5,%E4<74*%>#>J%
;8%/*;)",%<7-<%>#>R;%+#$,;<45%-A);,%:#2454,;%
#8%<7,%$424<-"OJ%
<8%+700-)"%@-)%6,1,"*)3%@*6,1,$+
63%',@$%#*+%1-+"%"'-%C->+%,&%<%6-&"#+O"#$)$%*)$%
&-%,&2$&",;$+%"-%#,)$%6,1,"*)3%+0-7+$+8
H),2#*)4G%,*;*%6$6>$)%;$"$)*&
;,,,8%/*;)",%<7-<%5#22,9,%5",+4<;%,-"*,+%-<%-%)*4B,";4<O%AO%-%;,"B45,%$,$A,"%#"%<7,4"%;:#);,%-",%7#*#",+%48%<7,O%-",%8#"5,+%<#%57-*9,%;57##2;%+),%<#%-%+,:2#O$,*<%#"%57-*9,%#8%;<-<4#*J%
,F8%/P:-*+%9"-*<%-*+%;57#2-";74:%#::#"<)*4<4,;%<#%;,"B45,%$,$A,";%-*+%;:#);,;J
F8%/+)5-<,%<,-57,";%-*+%;57##2%-+$4*4;<"-<#";%#*%<7,%)*4T),%57-22,*9,;%<7-<%$424<-"O%5742+",*%8-5,%;#%<7,O%A,<<,"%)*+,";<-*+%<7,;,%5742+",*R;%
F,8%/*5#)"-9,%-22%;<-<,;%<#%N#4*%<7,%&*<,";<-<,%.#$:-5<%<7-<%$-6,;%9"-+)-<4#*%",T)4",$,*<;%$#",%)*48#"$%<#%-22#E%$424<-"O%5742+",*%<#%<"-*;8,"%A,<E,,*%;57##2;%,-;42O%E7,*%<7,O%$#B,%8"#$%;<-<,%<#%;<-<,J%
F,,8%/;<-A24;7%#B,";497<%#8%:"#9"-$;%5)"",*<2O%4*%:2-5,%<#%-4+%$424<-"O%5742+",*%4*%54B424-*%;57##2;J
55
;$"$)*&+%'#-%@-7(#"%@-)%"#$,)%2-7&")3%+#-714%&-"%#*;$%"-%@,(#"%',"#%"#$,)%(-;$)&6$&"%"-%
)$2$,;$%>$&$@,"+%'#$&%"#$3%($"%#-6$8
$-*O%#8%<7,;,%*,E%B,<,"-*;%-*+%<7,4"%8-$424,;%;7#)2+,"%-*%)*-55,:<-A2,%A)"+,*U%",5#B,"4*9%8"#$%<7,4"%4*N)"4,;%E742,%*-B49-<4*9%
3,8#"$4*9%<7,%('%+4;-A424<O%:"#5,;;%E422%A,%5#;<%,88,5<4B,%-*+%E422%;-B,%<7,%<-P:-O,";%$#*,O%AO%$-64*9%<7,%9#B,"*$,*<%$#",%
For more about the health care challenges of new veterans, please see the IAVA Issue Report, “Red Tape: Veterans Fight New Battles for Care and Bene!ts.” All IAVA reports are available at www.iava.org/reports.
=8%)$472$%"#$%;*%21*,6+%>*2D1-(%
./!.%0-1,23%*($&4*
63%',@$%#*+%1-+"%"'-%C->+%,&%<%6-&"#+O"#$)$%*)$%
&-%,&2$&",;$+%"-%#,)$%6,1,"*)3%+0-7+$+8
H),2#*)4G%,*;*%6$6>$)%;$"$)*&
5B
=8%)$472$%"#$%;*%21*,6+%>*2D1-(%
=8!%% 4$1,;$)%I7,2D%*&4%*227)*"$%>$&$@,"+
,8%3,T)4",%<7-<%-22%$,+45-2%-*+%52-4$;%",5#"+;%A,%-55,;;4A2,%,2,5<"#*45-22O%-5"#;;%<7,%,*<4",%52-4$;%-*+%-::,-2;%:"#5,;;J
,,8%3,T)4",%-::,-2;%8#"$;%A,%;,*<%-2#*9%E4<7%<7,%D#<45,%#8%>,54;4#*%2,<<,";%4*%#"+,"%<#%,P:,+4<,%<7,%-::,-2;%:"#5,;;J%
,,,8
",T)4"4*9%<7,%('%<#%<",-<%:"4B-<,%$,+45-2%#:4*4#*;%E4<7%<7,%;-$,%E,497<%-;%-*%#:4*4#*%#8%-%('%$,+45-2%;:,54-24;<%E7,*%+,<,"$4*4*9%+4;-A424<O%"-<4*9%#"%,2494A424<OJ
,;8%>,B,2#:%-%8-;<%<"-56%52-4$;%:"#5,;;%<7-<%",T)4",;%<7,%('%<#%-;;49*%-*%,P:,"4,*5,+%"-<,"%-<%<7,%8"#*<%,*+%#8%<7,%:"#5,;;%<#%,B-2)-<,%-%52-4$%8#"%5#*+4<4#*;%<7-<%5-*%A,%94B,*%-*%4$$,+4-<,%4*<,"4$%"-<4*9%E742,%<7,%",;<%#8%<7,%52-4$%4;%+,B,2#:,+J
;8%3,8#"$%<7,%('R;%E#"6%5",+4<%-*+%:"#+)5<4B4<O%,B-2)-<4#*%;O;<,$%8#"%52-4$;%:"#5,;;#";J%'%*,E%;O;<,$%;7#)2+%",E-"+%52-4$;%:"#5,;;#";%
4*<#%-55#)*<%<7,%-$#)*<%#8%7#)";%E#"6,+%8#"%:"#+)5<4B4<O%,B-2)-<4#*;J%
;,8%0)<24*,%<7,%('R;%",;:#*;4A424<O%<#%52,-"2O%4*8#"$%B,<,"-*;%-A#)<%<7,%",T)4",$,*<;%<#%
;7#)2+%:"#B4+,%<7,%52-4$-*<%-%<7#"#)97%,P:2-*-<4#*%#8%<7,%,2,$,*<;%*,,+,+%<#%
5"4<,"4-%8#"%52-4$;%A-;,+%#*%<7,%B,<,"-*R;%5-;,%"-<7,"%<7-*%-%9,*,"-2%52-4$J%
;,,8%
4*<,9"-<4*9%A,;<%:"-5<45,;%8"#$%4*+);<"O%-*+%2,B,"-94*9%$#+,"*%<,57*#2#9O%<#%+,24B,"%-%;O;<,$%#8%5);<#$,"%;,"B45,%<7-<%"4B-2;%
5);<#$,"%;,"B45,%4*%<7,%B,<,"-*;R%5#$$)*4<OJ
"#$3%*)$%0)-;,4,&(%;$)3%(--4%+$);,2$G%>7"%,"%
"*D$+%'*3%"--%1-&(8
H+*6G%,*;*%6$6>$)%;$"$)*&
59
=85%% $&+7)$%>$&$@,"+%*)$%@*,)
,8%
<#%:"#B4+,%-+,T)-<,%5#$:,*;-<4#*%8#"%2#;;%#8%,-"*4*9;%5-:-54<O%-*+%T)-24<O%#8%248,J%
&*5",-;,%5#$:,*;-<4#*%"-<,;%<#%-249*%E4<7%<7,%",5#$$,*+-<4#*;%#8%<7,%(,<,"-*;R%>4;-A424<O%
,,8%_,,:%74;<#"45-2%+-<-%#*%52-4$;%-*+%+,B,2#:%",:#"<4*9%5-:-A424<O%#*%2#*94<)+4*-2%+-<-%4*52)+4*9%
-*+%-::,-2;%<#%-;;,;;%<",*+;%5#$$#*%,""#";%#"%A4-;%4*%52-4$;%+,<,"$4*-<4#*J%
,,,8%'22#E%8#"%5#*5)"",*<%",5,4:<%#8%B,<,"-*;R%+4;-A424<O%-*+%$424<-"O%;,:-"-<4#*%#"%",<4",$,*<%
,;8
1"#9"-$S>,:,*+,*5O%&*+,$*4<O%.#$:,*;-<4#*%
;)"B4B#";J%
=8.%% +$*61$++13%")*&+@$)%2*)$%@)-6%4-4%"-%;*
,8%')<#$-<45-22O%,*"#22%-22%<"##:;%2,-B4*9%-5<4B,%+)<O%;,"B45,%4*%('%7,-2<7%5-",%E4<7%-*%#:<4#*%<#%#:<%#)<J%'22%;,"B45,%$,$A,";%$);<%A,%A"4,8,+%
>,24B,"O%-<%>4;57-"9,%1"#9"-$J
,,8
4*52)+,%,$-42%-++",;;,;J%
,,,8%
:"#9"-$%8#"%-22%D-<4#*-2%F)-"+%-*+%3,;,"B,%)*4<;%<7-<%E#)2+%<"-4*%-<%2,-;<%#*,%$,$A,"%#8%,B,"O%)*4<%
$,$A,";%-*+%<7,4"%8-$424,;J%
,;8
-*+%3,;,"B,%A,%)*48#"$%-5"#;;%<7,%;,"B45,;%-*+%
"#$3%*)$%0)-;,4,&(%;$)3%(--4%+$);,2$G%>7"%,"%
"*D$+%'*3%"--%1-&(8
H+*6G%,*;*%6$6>$)%;$"$)*&
,%#*;$%*%>*2D1-(($4%>$&$@,"%21*,6%"#*"%#*+%
>$$&%'*,",&(%@-)%-;$)%.%3$*)+P%7&*22$0"*>1$8%
#$*1"#2*)$%#*+%,60)-;$4O8+1,(#"13
HC-#&G%,*;*%6$6>$)%;$"$)*&
5<
;$"$)*&+%-@%,)*I%*&4%*@(#*&,+"*&%*)$%*"%*%#,(#%),+D%-@%#-6$1$++&$++8%3-7&(%;$"$)*&+%*($4%!E%
"-%5/%6*D$%70%E8E%0$)2$&"%-@%"#$%#-6$1$++%;$"$)*&%0-071*",-&G%>7"%-&13%98.%0$)2$&"%-@%"#$%
"-"*1%;$"$)*&%0-071*",-&8
-$#)*<%#8%<7,%7#$,2,;;%E,",%8,$-2,%B,<,"-*;%-*+%<7,4"%8-$424,;J
>4",5<4#*;%-*+%.#$$)*4<O%C#2)<4#*;J%?74;%<O:,%#8%:-"<*,";74:%A,<E,,*%<7,%:)A245%-*+%:"4B-<,%;,5<#"%$);<%-2;#%A,%);,+%<#%;$##<7%<7,%<"-*;4<4#*%7#$,%8#"%-22%B,<,"-*;J
B,<,"-*;J
For more information about the transition challenges facing new veterans, please see the IAVA issue report, “Coming Home: "e Housing Crisis and Homelessness "reaten New Veterans.” All IAVA reports are available at www.iava.org/reports.
./!.%0-1,23%*($&4*
E8%0)$;$&"%*&4%$&4%;$"$)*&%#-6$1$++&$++
5=
E8,%% @,(#"%@-)$21-+7)$+
E8.%% 0)$;$&"%;$"$)*&%#-6$1$++&$++
,8%
8#",52#;)",%8#"%-*O%;,"B45,%$,$A,"%",<)"*4*9%8"#$%-%5#$A-<%<#)"J%Q,*+,";%E7#%8-42%<#%-A4+,%AO%<7,%$#"-<#"4)$%;7#)2+%8-5,%;<488%-*+%4$$,+4-<,%54B42%-*+%5"4$4*-2%:,*-2<4,;J%
,,8%'99",9-<,%A,;<%:"-5<45,;%4*%",<4",$,*<%
<"-4*4*9%:"#9"-$;%4*%<7,;,%:"-5<45,;%7#;<,+%-<%5#$$)*4<O%5#22,9,;%-*+%(,<%.,*<,";J%
,8%'::"#:"4-<,%8)*+4*9%8#"%-%('%#)<",-57%-*+%-+B,"<4;4*9%5-$:-49*%+4",5<,+%-<%7#$,2,;;%B,<,"-*;%-*+%<7#;,%B,<,"-*;%-<%"4;6%8#"%A,5#$4*9%
:#<,*<4-2%7#$,%8#",52#;)",J%?7,%5-$:-49*%
5#)*;,24*9%;,"B45,;%-*+%<7,%('R;%7#$,2,;;%-;;4;<-*5,%;,"B45,;J%
,,8%&$:2,$,*<%-%*-<4#*-2%:",B,*<4B,%;<"-<,9O%
<7-<%E422%4*52)+,%B,<,"-*;R%+,:,*+-*<;J%
,,,8
2#-*%,2494A424<O%+,<,"$4*-<4#*J%
,;8%>,B,2#:%:"#9"-$;%4*%E7457%B,<,"-*;%5-*%
=#$,%Q#-*L%<#%",7-A%-*+%:)"57-;,%8#",52#;,+%:"#:,"<4,;J
,,,8
C#2)<4#*;%<7-<%E422%,P:2#",%,P:-*+4*9%<7,%
,;8%.#22,5<%+-<-%-A#)<%<7,%*)$A,"%#8%7#$,2,;;%
;)"B,O%#8%7#$,2,;;%B,<,"-*;%5#*+)5<,+%AO%<7,%>,:-"<$,*<;%#8%=#);4*9%-*+%\"A-*%>,B,2#:$,*<%-*+%(,<,"-*;%'88-4";J
,%1,;$%',"#%63%0*)$&"+%>$2*7+$%,%2*&&-"%*@@-)4%"-%
0*3%)$&"%*&3'#$)$8
H*&"#-&3G%,*;*%6$6>$)%;$"$)*&
5E
E8%0)$;$&"%*&4%$&4%;$"$)*&%#-6$1$++&$++
E85%% #-7+$%#-6$1$++%;$"$)*&+
,8%/P:-*+%-*+%4$:"#B,%<7,%>,:-"<$,*<%#8%
#*%<7,%",5#$$,*+-<4#*;%#8%<7,%D-<4#*-2%.#-24<4#*%#8%=#$,2,;;%(,<,"-*;J%
,,8%
9,#9"-:745%+4;:-"4<4,;%#8%B,<,"-*;R%7#$,2,;;%-*+%
,,,8
E#$,*%B,<,"-*;%-*+%7#$,2,;;%B,<,"-*;%E4<7%
,;8%%'22#E%9"-*<;%$-+,%AO%<7,%('%C,5",<-"O%8#"%5#$:",7,*;4B,%;,"B45,;%:"#9"-$;%8#"%B,<,"-*;%
8)*5<4#*-2%-*+%:,"$-*,*<%7#);4*9%8-5424<4,;J%
;8%%>4",5<%<7,%C,5",<-"O%#8%Q-A#"%<#%$-6,%9"-*<;%<#%:"#9"-$;%-*+%8-5424<4,;%<7-<%:"#B4+,%+,+45-<,+%;,"B45,;%8#"%7#$,2,;;%E#$,*%B,<,"-*;%-*+%7#$,2,;;%B,<,"-*;%E4<7%5742+",*J%3,T)4",%9"-*<;%
:2-5,$,*<%;,"B45,;%-*+%5742+5-",%;,"B45,;%<#%,P:,+4<,%<7,%",4*<,9"-<4#*%#8%;)57%B,<,"-*;%4*<#%<7,%2-A#"%8#"5,J%
;,8%3,T)4",%<7,%;,5",<-"4,;%#8%<7,%('%-*+%=\>%%<#%,;<-A24;7%-%$,<7#+%8#"%<7,%5#22,5<4#*%-*+%-99",9-<4#*%#8%+-<-%#*%7#$,2,;;%B,<,"-*;%:-"<454:-<4*9%4*%<7,4"%:"#9"-$;J%0*5,%<7,%$,<7#+%
.#*9",;;J%
;,,8
5)"",*<2O%24$4<,+%<#%7#$,2,;;%B,<,"-*;%E4<7%57"#*45%$,*<-2%422*,;;%#"%57"#*45%;)A;<-*5,%
;,,,8
<#%-22#E%<-P:-O,";%<#%+,;49*-<,%-%:#"<4#*%#8%<7,4"%4*5#$,%<-P%:-O$,*<%<#%:"#B4+,%-;;4;<-*5,%<#%7#$,2,;;%B,<,"-*;J
,F8
<7,%\*+,";,"B,+%-*+%.#$$)*4<O%C#2)<4#*;%<#%,P:-*+%;,"B45,%<#%7#$,2,;;%B,<,"-*;J%
'#,1$%,%'*+%#-6$1$++%,%2-714&?"%@,&4%*&3%#$10%*"%
*11%>$2*7+$%,%#*4%63%4*7(#"$)%H%6*&3%4,@@$)$&"%
;$"$)*&+%-)(*&,Q*",-&+%+*,4%"#$3%2-714%#*;$%
@-7&4%#$10%#*4%,%&-"%#*4%#$)%',"#%6$8
H*4*6G%,*;*%6$6>$)%;$"$)*&
5A
2-6,&(%#-6$%@)-6%'*)%2*&%>$%2#*11$&(,&(%@-)%+$);,2$%6$6>$)+%*&4%"#$,)%@*6,1,$+8%>3%@7113%
@7&4,&(%"#$%;*G%,60)-;,&(%-7")$*2#%$@@-)"+G%")*2D,&(%#$*1"#%,++7$+%*&4%)$@-)6,&(%"#$%C7+",2$%
+3+"$6G%'$%2*&%$&+7)$%*%+722$++@71%")*&+,",-&%#-6$8
;,5<#"J%&8%<7,%('%4;%;)55,;;8)2%E4<7%<74;%4*4<4-<4B,%4<%E422%+"-$-<45-22O%4$:"#B,%7,-2<7%5-",%;,"B45,;%8#"%B,<,"-*;%AO%,*;)"4*9%-%5#$:2,<,%5#*<4*))$%#8%5-",%A,<E,,*%<7,%('%-*+%>#>V%4<%E422%-2;#%",+)5,%5#;<;%AO%,24$4*-<4*9%<7,%*,,+%8#"%+):245-<,%<,;<;J%
<7-<%<7,%('%-*+%-22%B,<,"-*;%+,;:,"-<,2O%*,,+J
-2<7#)97%B,<,"-*;%$-6,%):%#*2O%;,B,*%:,"5,*<%#8%<7,%9,*,"-2%:#:)2-<4#*J%M-*O%#8%<7,;,%B,<,"-*;%8-5,%5"4$4*-2%57-"9,;%",2-<,+%<#%<7,4"%$,*<-2%7,-2<7%4*N)"4,;%-*+%",T)4",%<",-<$,*<%"-<7,"%<7-*%4*5-"5,"-<4#*J%/88,5<4B,%",7-A424<-<4#*%",+)5,;%<7,%246,247##+%8#"%
/-;4*9%<7,%<"-*;4<4#*%7#$,%8"#$%E-"%4;%-%5#$:245-<,+%:"#5,;;%<7-<%5#B,";%-%E4+,%"-*9,%#8%4;;),;J%GO%,P:-*+4*9%7,-2<7%5-",%
A8%$*+$%"#$%")*&+,",-&%#-6$
./!.%0-1,23%*($&4*
'#,1$%,%'*+%#-6$1$++%,%2-714&?"%@,&4%*&3%#$10%*"%
*11%>$2*7+$%,%#*4%63%4*7(#"$)%H%6*&3%4,@@$)$&"%
;$"$)*&+%-)(*&,Q*",-&+%+*,4%"#$3%2-714%#*;$%
@-7&4%#$10%#*4%,%&-"%#*4%#$)%',"#%6$8
H*4*6G%,*;*%6$6>$)%;$"$)*&
B/
A8.%% 0)-6-"$%;$"$)*&%07>1,2%+$);,2$
,8%3,$#B,%-9,%24$4<-<4#*;%8#"%B,<,"-*;%E7,*%:-"<454:-<4*9%4*%-*+%",5,4B4*9%8)*+4*9%8#"%:)A245%;,"B45,%:"#9"-$;%;)57%-;%'$,"4.#":;J
A8%$*+$%"#$%")*&+,",-&%#-6$
A8!%% 0)-"$2"%@7&4,&(%*&4%+$);,2$+%@-)%")--0+%*&4%;$"$)*&+
,8%/*;)",%<7-<%('%8)*+4*9%2,B,2;%$-<57%<7,%
,,8%1"#B4+,%'+B-*5,%'::"#:"4-<4#*;%8#"%<7,%
,,,8
1-"<*,"%E4<7%,;<-A24;7,+%5#$$)*45-<4#*;%-*+%
,;8%1"#B4+,%-99",;;4B,%#B,";497<%<#%,*;)",%<7-<%
;8%/;<-A24;7%-%;,<%#8%A,;<%:"-5<45,;%8#"%",;#)"5,%+4",5<#"4,;%<7-<%:"#B4+,%2#5-2%4*8#"$-<4#*%9,-",+%
E4+,%IWW%;,"B45,;%<-"9,<,+%-<%B,<,"-*;J
;,8%0::#;,%4*5",-;,;%4*%?3&.'3/%8,,;%-*+%
.#*9",;;%+#,;%*#<%A-2-*5,%<7,%A)+9,<%#*%<7,%A-56;%#8%;,"B45,%$,$A,";%-*+%B,<,"-*;J%
;,,8%3,N,5<%5-22;%8#"%B,<,"-*;%-*+%;,"B45,%
<#)97%,5#*#$45%<4$,;J
;,,,8%C)::#"<%<"-*;:-",*5O%-5"#;;%-22%('%7,-2<7%
+,B,2#:%#*24*,%4*8#"$-<4#*-2%<##2;%;)57%-;%<7,%
@#4*<%(4"<)-2%Q48,<4$,%/2,5<"#*45%3,5#"+J
,,8%
5#)*<%-9-4*;<%$,-*;%<,;<4*9%8#"%5#$:,*;-<4#*%;<4:,*+;%,-"*,+%E742,%5#*+)5<4*9%:)A245%;,"B45,%:"#N,5<;J
B!
A8B%% >7,14%-&%"#$%+722$++%-@%1-2*1%;$"$)*&+?%2-7)"+
,8%
B,<,"-*;R%5#)"<;%#:,"-<4*9%*-<4#*E4+,%<#%+,B,2#:%-%;,<%#8%9)4+,24*,;%8#"%2#5-24<4,;%-*+%<#%;)55,;;8)22O%,P,5)<,%-*%-2<,"*-<4B,%;,*<,*54*9%:"#9"-$%8#"%B,<,"-*;%E7#;,%5"4$,;%;<,$%8"#$%
,,8%'22#E%2#5-2%$)*454:-24<4,;%<#%,;<-A24;7%B,<,"-*;R%5#)"<;%AO%:"#B4+4*9%9"-*<;%<7-<%4*52)+,%A-;45%;<4:,*+;%<#%;)::#"<%<7,%<"-B,2%-*+%,P:,*;,;%#8%B,<,"-*;%B#2)*<,,"4*9%-;%:,,"%;)::#"<%5#)*;,2#";J%
,,,8%3,:,-2%<7,%;<-*+4*9%('%:"#74A4<4#*%-9-4*;<%<",-<4*9%4*5-"5,"-<,+%B,<,"-*;J%?7,%('%$);<%5##"+4*-<,%E4<7%2#5-2%$)*454:-24<4,;%<#%+,B,2#:%
8#"%B,<,"-*;%4*%<7,%5"4$4*-2%N);<45,%;O;<,$J%
,;8%3,T)4",%<7,%>,:-"<$,*<%#8%@);<45,%<#%5#$:-",%T)-"<,"2O%+-<-%8"#$%<7,%\*4B,";-2%."4$,%3,:#"<%E4<7%<7,%>#>%<#%+,<,"$4*,%<7,%*)$A,";%
N);<45,%;O;<,$J
A85%% $F0*&4%#$*1"#%2*)$%")*2D,&(
,8%1"#B4+,%#B,";497<%AO%$#*4<#"4*9%<7,%:"#9",;;%-*+%+,B,2#:$,*<%#8%<7,%@#4*<%(4"<)-2%Q48,<4$,%
('%:"#9",;;%",:#"<;%<#%.#*9",;;J%
,,8%>,;49*%-*+%4$:2,$,*<%*-<4#*-2%9)4+,24*,;%-*+%:"#9"-$;%8"#$%<7,%('%<#%",-57%#)<%<#%")"-2%
5#$$)*4<O%7,-2<7%5-",%:"#B4+,";%4*%-",-;%E7,",%")"-2%B,<,"-*;%+#%*#<%7-B,%",-;#*-A2,%-55,;;%<#%5-",J%
,,,8
2#*94<)+4*-2%;<)+O%-5"#;;%<7,%>#>%-*+%<7,%('%<#%
-*+%$#"<-24<OJ
,;8%%M-*+-<,%-*+%8)*+%-%5#$:",7,*;4B,%;<)+O%
8"#$%&"-T%-*+%'897-*4;<-*%B,<,"-*;R%,P:#;)",%<#%
;8%3,T)4",%<"##:;%",<)"*4*9%8"#$%-%<#)"%4*%&"-T%
5-$:-49*%<#%,*"#22%B,<,"-*;%E7#%7-B,%",<)"*,+%
;,8%M-*+-<,%-%5#$:",7,*;4B,%;<)+O%#8%<7,%
$,+45-<4#*;%;)57%-;%<7,%$-2-"4-%+")9%M,28#T)4*,%
<,"$%,88,5<;%#8%<#P454<OJ
;,,8%D#<48O%;,"B45,%$,$A,";%48%<7,O%7-B,%A,,*%
<#%4*52)+,%0&!S0/!S0D>%B,<,"-*;J%
B.
A8<%% #-&-)%"#$%@*11$&%
A8=%% +700-)"%)$@7($$+%@)-6%,)*I%*&4%*@(#*&,+"*&
,8%
<#%,*;)",%<7-<%*#%B,<,"-*%4;%$4;:2-5,+%#"%+4;7#*#",+J%
,,8%')+4<%-22%D-<4#*-2%.,$,<,"4,;%<#%,*;)",%<7-<%<7,%:2-5,$,*<%#8%",$-4*;%$-<57,;%<7,%:2-5,$,*<%#8%7,-+;<#*,;J
,8%1",:-",%-*%-5<4#*-A2,%5#*<4*9,*5O%:2-*%<#%
7-"$%4*%&"-T%-*+%'897-*4;<-*J%
,,8%/*;)",%<7,%",*,E-2%#8%C:,54-2%&$$49"-*<%
,,,8%/*;)",%<7-<%<7,%7-*+24*9%-*+%+4;:#;-2%#8%<7,%",$-4*;%#8%<7,%8-22,*%-",%7,2+%<#%<7,%7497,;<%;<-*+-"+;%#8%",;:,5<%-*+%7#*#"J%
,,,8%
:"#5,;;4*9%A)",-);%4*%#"+,"%<#%$,,<%.#*9",;;4#*-2%C&(%<-"9,<;%8#"%&"-T4%-*+%'897-*%4*<,":",<,";J
A89%% +$27)$%*&%-$@L-,@L-&4%6$6-),*1%
,8%.#$$4<%<#%",;,"B,%;:-5,%8#"%-%$,$#"4-2%<7-<%
B,<,"-*;%4*%<7,%>4;<"45<%#8%.#2)$A4-J%12-**4*9%8#"%<7,%$,$#"4-2%;7#)2+%4*B#2B,%*,E%B,<,"-*;%-*+%F#2+%C<-"%8-$424,;J
,,8%C)::#"<%<7,%+,B,2#:$,*<%-*+%5#*;<")5<4#*%#8%-*%,+)5-<4#*%5,*<,"%-<%<7,%(4,<*-$%(,<,"-*;%M,$#"4-2J
A8%$*+$%"#$%")*&+,",-&%#-6$
B5
,&&-;*",;$%+-17",-&+%@-)%.!+"%2$&"7)3%;$"$)*&+
"-4*3?+%;$"$)*&+%@*2$%6*&3%2#*11$&($+8%'#,1$%6*&3%*)$%+,6,1*)%"-%"#$%-&$+%@*2$4%>3%0)$;,-7+%
($&$)*",-&+G%"#$%'-)14%'$%1,;$%,&%#*+%2#*&($48%,@%'$%*)$%"-%2-&",&7$%"-%$60-'$)%"#$%&$'%
()$*"$+"%($&$)*",-&%'$%67+"%2-6$%70%',"#%,&&-;*",;$%+-17",-&+%"-%>-"#%-14%*&4%&$'%0)->1$6+8%
>$1-'%,+%*%)-7&470%-@%'#*"%,*;*%>$1,$;$+%*)$%.!+"%2$&"7)3%+-17",-&+%"-%2-66-&%0)->1$6+%@*2$4%
>3%;$"$)*&+%*&4%"#$,)%@*6,1,$+:
$601-36$&"
EFGHIIFJK.L-HJ MHN-GO&ME-HE-LO
<"-*;2-<,%<7,4"%;6422;%-*+%A"4+9,%<7,%9-:;%A,<E,,*%<7,4"%$424<-"O%;6422;%-*+%E7-<%<7,O%*,,+%4*%<7,%54B424-*%$-"6,<J%
!8!G%F,,,
<7-<%5",-<,%N#A%:2-5,$,*<%-*+%4*5,*<4B,%:"#9"-$;%-<%-*% !8!G%,
0B,"7-)2%<7,%?"-*;4<4#*%';;4;<-*5,%1"#9"-$%H?'1L%<#%-22#E%<7,%:"#9"-$%<#%A,%<-42#",+%<#%<7,%;6422%;,<%-*+%,+)5-<4#*%2,B,2%#8%<7,%;,"B45,%$,$A,"J
!8!G%,;
-*+%,$:2#O$,*<%;,"B45,;%<#%B,<,"-*;J%!8!G%;
0)<",-57%5-$:-49*%:"#$#<4*9%,P4;<4*9%;$-22%A);4*,;;%2#-*%:"#9"-$;%8#"%B,<,"-*;%<7"#)97%<7,%\JCJ%C$-22%G);4*,;;%'+$4*4;<"-<4#*J
!8.G%;,,
+7,2,4$%*&4%6$&"*1%#$*1"#
EFGHIIFJK.L-HJ MHN-GO&ME-HE-LO
'22#E%<7,%('%-*+%>#>%<#%:-"<*,"%E4<7%<7,%:"4B-<,%-*+%
5-$:-49*J.8.G%,,,
>,B,2#:%N#4*<%>#>S('%;#54-2%$,+4-%A-;,+%;)454+,%:",B,*<4#*%5-$:-49*%4*%:-"<*,";74:%E4<7%<7,%:"4B-<,%-*+% .8.G%,,
?"-56%8",T),*5O%#8%B,<,"-*%;)454+,;%AO%,P:-*+4*9%<7,%.>.%B4#2,*<%+,-<7%",:#"<4*9%;O;<,$%<#%-22%YK%;<-<,;J% .8.G%,
&*<,9"-<,%('%-*+%>#>%;)454+,%:",B,*<4#*%,88#"<;%E4<7%2#5-2%-*+%;<-<,%;,"B45,;%246,%$)*454:-2%IWW%:"#9"-$;% .8.G%;
>,B,2#:%5#$A-<%;<",;;%4*N)"O%<"-4*4*9%:"#9"-$;%8#"%54B424-*%A,7-B4#"-2%7,-2<7%:"#8,;;4#*-2;J% 98.G%,;
&;;),%-%:",;4+,*<4-2%*-<4#*-2%5-22%<#%;,"B45,%8#"%;6422,+%$,*<-2%7,-2<7%:"#8,;;4#*-2;J 98.G%,
>,B,2#:%-%:#"<-2%<7-<%5#**,5<;%B,<;%<#%:)A245%-*+%:"4B-<,%$,*<-2%7,-2<7%",;#)"5,;%*-<4#*E4+,J% 98!G%,;
./!.%0-1,23%*($&4*
BB
/;<-A24;7%-*+%8)*+%-%<##2%<#%-22#E%8#"%<7,%+4;;,$4*-<4#*%
4*N)"4,;J%98.G%;
/P:-*+%<7,%(,<,"-*;%."4;4;%Q4*,%<#%-22#E%B45<4$;%<#%",:#"<%;,P)-2%-;;-)2<%-*+%7-"-;;$,*<%-*+%A,%5#**,5<,+%E4<7%-%2#5-2%;,P)-2%-;;-)2<%",;:#*;,%5##"+4*-<#";J%
98BG%,,,
/;<-A24;7%-%*-<4#*-2%B,<,"-*;R%:#"<-2%<7-<%5#**,5<;%B,<,"-*;%<#%<7,%:)A245%-*+%:"4B-<,%$,*<-2%7,-2<7%",;#)"5,;%-B-42-A2,%<#%B,<,"-*;%#8%&"-T%-*+%'897-*4;<-*J
98!G%;,
$472*",-&
EFGHIIFJK.L-HJ MHN-GO&ME-HE-LO
>,B,2#:%-%:"#9"-$%<#%24*6%B,<,"-*;%E4<7%<");<,+%,+)5-<4#*%5#)*;,24*9%;,"B45,;%<7-<%7,2:%:"#;:,5<4B,%;<)+,*<%B,<,"-*;%E4<7%<,;<%:",:-"-<4#*%-*+%-+$4;;4#*;%5#)*;,24*9J%
58.G%,,
C<)+O%<7,%"-<,;%#8%B,<,"-*%;)55,;;%-*+%8-42)",%4*%;57##2%4*%#"+,"%<#%4+,*<48O%-%;,<%#8%;<-*+-"+;%8#"%;<)+,*<%;)55,;;J%
58.G%,,,
>,B,2#:%-%;)4<,%#8%:"#+)5<;%-*+%;,"B45,;%<7-<%5-*%7,2:%;<)+,*<%B,<,"-*;%-574,B,%<7,4"%-5-+,$45%9#-2;J% 58BG%,;
3,T)4",%('%-*+%>#>%<#%4*8#"$%;<)+,*<;%-A#)<%",;#)"5,;%246,%.#22,9,%D-B49-<#"%-*+%EEEJD,EF&G422J#"9J
58!G%;,,,
3,T)4",%>#>%-*+%('%#B,";497<%#8%;57##2%:,"8#"$-*5,%-*+%;<)+,*<%;)55,;;J 58!G%;
3,T)4",%<7-<%-22%;57##2;%-55,:<4*9%F&%G422%-*+%?)4<4#*%';;4;<-*5,%8)22O%",:#"<%<7,4"%+-<-%<#%<7,%D-<4#*-2%.,*<,"%8#"%/+)5-<4#*%C<-<4;<45;R%.#22,9,%D-B49-<#"J
58!G%,,,
>,B,2#:%-*+%8)*+%-%;,5<4#*%E4<74*%.#22,9,%D-B49-<#"%<#%-22#E%8#"%;#54-2%$,+4-%4*<,9"-<4#*%-;%-%<##2%;#%<7-<%;<)+,*<;%5-*%"-<,%;57##2;%-*+%;7-",%<7,4"%,P:,"4,*5,;%E4<7%#<7,"%;<)+,*<;J
58!G%,;
-A);,J%58!G%,F
!)22O%8)*+%<7,%^M#+,2%1"#9"-$;%8#"%.,*<,";%#8%
;<)+,*<%B,<,"-*;J58.G%;
-;%;,,+%$#*,O%8#"%;<-"<4*9%-%;$-22%A);4*,;;J% 585G%;,
,&&-;*",;$%+-17",-&+%@-)%.!+"%2$&"7)3%;$"$)*&+
B9
6,1,"*)3%@*6,1,$+
EFGHIIFJK.L-HJ MHN-GO&ME-HE-LO
?"-4*%$,*<-2%7,-2<7%:"#8,;;4#*-2;%-5"#;;%<7,%5#)*<"O%%-A#)<%<7,%)*4T),%57-22,*9,;%8-5,+%$O%$424<-"O%8-$424,;J <8!G%,,
/P:-*+%#*24*,%2,-"*4*9%#::#"<)*4<4,;%-*+%5",-<,%9",-<,"%
;#%<7,O%5-*%6,,:%<7,4"%N#A;%E7,*%<7,O%$#B,J<85G%,,
'22#E%8#"%9",-<,"%",54:"#54<O%8#"%:"#8,;;4#*-2%245,*;,;%-5"#;;%;<-<,;J <85G%,,,
;*%21*,6+%>*2D1-(
EFGHIIFJK.L-HJ MHN-GO&ME-HE-LO
3,T)4",%<7-<%-22%$,+45-2%-*+%52-4$;%",5#"+;%A,%-55,;;4A2,%,2,5<"#*45-22O%-5"#;;%<7,%,*<4",%52-4$;%-*+%-::,-2;%:"#5,;;J%
=8!G%,
,B-2)-<,%-%52-4$%8#"%5#*+4<4#*;%<7-<%5-*%A,%94B,*%-*%4$$,+4-<,%4*<,"4$%"-<4*9%E742,%<7,%",;<%#8%<7,%52-4$%4;%+,B,2#:,+J
=8!G%,;
?"-*;8#"$%<7,%(G'R;%-+B,";-"4-2%5)2<)",%<#%+,24B,"%-%
\C''J%=8!G%;,,
=8.G%,,
#-6$1$++&$++
EFGHIIFJK.L-HJ MHN-GO&ME-HE-LO
&$:2,$,*<%-%*-<4#*-2%:",B,*<-<4B,%;<"-<,9O%-9-4*;<%7#$,2,;;*,;;%<7-<%4*52)+,;%<7,%*,,+;%#8%B,<,"-*;%-*+%+,:,*+,*<;J%
E8.G%,,
7#$,2,;;*,;;JE8.G%,,,
8)*5<4#*-2%-*+%:,"$-*,*<%7#);4*9J E85G%,;
B<
")*&+,",-&
EFGHIIFJK.L-HJ MHN-GO&ME-HE-LO
.#*<4*),%<#%,P:-*+%-*+%+,B,2#:%#*24*,%4*8#"$-<4#*-2%
Q48,<4$,%/2,5<"#*45%3,5#"+JA8!G%;,,,
/;<-A24;7%-%;,<%#8%A,;<%:"-5<45,;%8#"%",;#)"5,%+4",5<#"4,;%
B,<,"-*;J%A8!G%;
&$:2,$,*<%*,E%*-<4#*-2%9)4+,24*,;%5#**,5<4*9%")"-2%% A85G%,,
M-*+-<,%-%5#$:",7,*;4B,%;<)+O%#*%<7,%2#*9%<,"$%A85G%,;
,&&-;*",;$%+-17",-&+%@-)%.!+"%2$&"7)3%;$"$)*&+
B=
./!.%0-1,23%*($&4*
BE
J.L-HJ.N&PF.KQR.ELFES&%
%%
T.SP-JULHJV&KG&HWW-GF&%
%%
WHE&IFK-.&-JQR-E-FS&:2,-;,%5#*<-5<%&'('R;%.#$$)*45-<4#*;%>,:-"<$,*<%
,*;*%./!.%0-1,23%*($&4*%
'B-42-A2,%4*%-%;,-"57-A2,%8#"$-<%#*24*,%-<%EEEJ4-B-J#"9