To file a VA disability compensation claim for diabetes mellitus you need to add claims for all applicable conditions associated with your diabetes mellitus. Veterans with a service-related disability and an "other than dishonorable" discharge can qualify for a monthly tax-free VA Disability Compensation benefit ranging from. Filing a Claim for Service-Connected Conditions. Loan Amount. 10%, 20%, 30% etc. STEP 2: Print Results. Vet Centers are community-based counseling centers that provide a wide range of social and psychological services, including professional readjustment counseling to eligible Veterans, active duty service members, including National Guard and Reserve components, and their families. 100% disability ratings. Prevailing Wage Calculators: Straight or Simple Average. How the VA Rating System Works: Your combined VA disability rating number is incredibly important. woods 15 foot batwing mower for sale. About VA/DoD eBenefits. 30% Rating: Condition causes moderate occupational and social impairment, occasional. Search: Va Disability Hypertension Percentage. For example, if you have a current disability rating of 30% and your secondary claim receives a separate disability rating of 20%, you’ll end up with a full disability rating of 44%. Repeat as needed Select applicable options for family status Book your FREE 30-min, no obligation VA Claim Discovery Call with an expert! Disabilities. Obstructive sleep apnea (OSA) is a disorder that causes a sleeping person's breathing to stop and start. This combined value will be converted to the nearest degree divisible by 10 which is 80 percent. To qualify for compensation from the VA, you must have asbestos fibers in your lungs. Age 62 or Older With Less Than 20 Years of Service. Next, select the number of dependents in each applicable category. 43 or less: 90% of your weekly pay. Left Leg Right Leg Left Arm Right Arm STEP 2 Answer these questions below. Learn about and apply for VA disability benefits. Congress passed legislation establishing an indemnity model for veterans' disability benefits. Here is a breakdown of the differences: 0 Asymptomatic but with a documented sleep disorder. 80 per month. The funding fee rate is only applied to the amount financed in the VA loan, so no fee is applied to a borrower’s down. Veterans without a qualifying medical diagnosis must show a connection between the. it often is. 48 per month. This combined value will be converted to the nearest degree divisible by 10 which is 80 percent. The average premium cost for short-term disability insurance is about $86 per month for a person earning $41,600 annually. Biden has proposed sending a third round of checks to Americans. VA Benefits Calculator. It indicates, "Click to perform a search". 70% and over. Veteran’s Day is an important observance in the United States, set aside for honoring and remembering men and women who have served in the armed forces. Many veterans, especially as they age, have multiple disabilities, which the VA rates as “combined disabilities. Elliot Ferrer - The Rep For Vets - Client Testimonial. If you have federal records from any agency, say that on both VA. Left Leg Right Leg Left Arm Right Arm Skin Mental Internal Spine. Make sure you complete and sign your application. His firm accomplished what I thought hopeless-I received my compensation. Get a release of information form from your doctor to complete and submit along with your claim. Thus, they take 70% multiply it by 20% and get 14% then subtract that from 70% and the new efficiency rating baseline is 56%. To assist you with enrolling in these programs, contact your local VA facility CSP Team/Caregiver Support Coordinator, or call the VA Caregiver Support Line (CSL) at 1-855-260-3274. The Basics About Disability Benefits. In your case I'd venture that the atrial fibrillation (A-Fib) may be secondary to the ischemic heart disease IF the A-Fib wasn't diagnosed first. Unlike Supplemental Security Income (), which also pays benefits to people who are disabled and unable to work but is based on limited income and resources, SSDI requires that you have worked and paid Social Security taxes for a certain length of time. Disability retired pay $3234 minus $1839. Combined VA disability ratings don’t use “normal” math. However, a veteran who receives disability benefits and also has earned income may qualify for EIC. claim number or Social Security number on each document. 114, the VA evaluates this condition as follows: Diagnostic Code 7307: Gastritis, hypertrophic (identified by gastroscope) 60 - Chronic; with severe hemorrhages, or large ulcerated or eroded areas. VA Form 21-22a - Appointment of Individual as Claimant's Representative (1,161K) VA Form 9 - Appeal to Board of Veterans' Appeals (69K) VA Form 21-526 - Veteran's Application for Compensation and/or Pension (1,581K) VA Form 95 - Claim for Damage, Injury, or Death (285K) Declaration of Status of Dependents (496K). JLARC analyzed claims involving compensable injuries and diseases in Virginia from 2014 to 2016. 25, 2021- MicroHealth, LLC is among the nation's fastest-growing private companies in 2021. Too many veterans leave the. Child Disability Tax Credit Calculation – If the person eligible for the Disability Tax Credit is under the age of 18 by the end of the tax year, he/she will be receiving the Base Amount as well as the Supplemental Amount. As of December 1st, 2021 the VA disability rate benefit amounts are as follows: 0 percent disability rating: $0. Most active-duty members are wondering if there are any deadlines to apply for benefits. from 10% to 100% disabled. Since we previously determined that veterans have a total entitlement of $127,600 that would mean that $127,600 – $47,500 = $80,100. Left Leg Right Leg Left Arm Right Arm STEP 2 Answer these questions below. Its important to know that Social security disability and VA disability are two different organizations, VA and Social Security Administration (SSA), and they have different ways of identifying if you qualify or not. The VA Disability Process can be complicated. 80 for Bend Point #2 ($3800-$885). Most SSDI recipients receive between $800 and $1,800 per month (the average. We use your disability rating to determine how much disability compensation you’ll receive each month, as well as your eligibility for other VA benefits. An estimated 2. (See table I). Child Disability Tax Credit Calculation – If the person eligible for the Disability Tax Credit is under the age of 18 by the end of the tax year, he/she will be receiving the Base Amount as well as the Supplemental Amount. Contact an experience home loan specialist from Veteran United Home Loans at 1-844-488-8229 if you have any questions or. VA combined disability rating calculator. Use our retroactive benefits calculator to determine what VA could owe you in backpay; no tables or math skills needed. Complete and submit a claim for (1) disabilities that occurred during military service; and (2) post-service disabilities presumed to be related to your service. There's a simple way to have an impact your Virginia. Then we also have some Veterans who have been out of service for 20-some years who think they’ve missed the timeline to file for a VA disability Claim. These ratings may seem small, but it is important for Veterans who display symptoms of IBS to receive VA disability for this condition. Byssinosis: Up to 50 weeks of PPD. Va secondary disability calculator. 16 Aug 2021. loss, according to a Corporal Michael. Awarded $537,367. By Benjamin Krause January 26, 2011. Disability Calculator: Veterans Compensation Rate Calculator 10 + 50 = 50 and other VA math mysteries explained. Special monthly compensation (SMC) rates. I’d recommend checking with a Veteran Service Officer to see whether your “Veteran with Spouse Only” compensation comes from the 100% column. (In this example, there is no Bend Point #3 because your monthly. Try Our Lump Sum Disability Buyout Calculator to Find Out If You Are Getting a Fair Shake. Guideline for determination of child support; quadrennial review by Child Support Guidelines Review Panel; executive summary. 30% for first-time VA loan borrowers with no down payment. The VA classifies Sleep Apnea as a disability for which compensation is granted. Financial advisors can also help with investing and financial plans, including retirement, homeownership, insurance and more, to make sure you are preparing for the future. The VA will award a 100% rating if any residuals of TBI are rated "total". Find your added amounts, if any apply. VetsHQ cuts through jargon, conflicting instructions, and requirements that can make anyone dizzy. Earnings from your jobs covered by Social Security (meaning your FICA taxes) are used to determine the amount of monthly SSDI benefits payments. The VA will consider the severity and type of symptoms you are displaying to determine your rating. Enter your closing date, the sale price, your military status & quickly see the estimated closing cost. It is managed by the Social Security Administration and designed to provide monthly benefits to people who have a medically determinable disability (physical or mental) that restricts their ability to be employed. This veteran receiving a rating of 100%, which is only 20% greater than the 80% rating, gets almost 100% more money a month!. Special monthly compensation (SMC) rates. For VA purposes, only individuals with neuropathy that is the result of paralysis, neuritis, or neuralgia are eligible for VA disability compensation. It is not based on how severe your disability is or how much income you have. (405) 917-5336 Webinars Testimonials Injured Worker Resources Schedule Award Calculator; Social Security Disability Personal Injury Claims. Age 62 or Older With Less Than 20 Years of Service. Concurrent Retirement and Disability Pay (CRDP) allows military retirees to receive both military retired pay and Veterans Affairs (VA) compensation. To factor in the next percentage, it would not simply add 20 to 30 and. Find the amount for children under age 18 ($64. Then we also have some Veterans who have been out of service for 20-some years who think they’ve missed the timeline to file for a VA disability Claim. The VA official site says of these types of claims, "If. The funding fee increases to 3. 2 for asthma, rhinitis and sinusitis on a presumptive basis based on presumed particulate matter exposures during military service in Southwest Asia and certain other areas – if these conditions manifested within 10 years of a qualifying period of military service. 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%. Finally, VA Secondary Conditions claims should be considered a separate process from the procedure you need to claim VA disability benefits if you have signs of certain illnesses like diabetes, ulcers, or other problems that manifest themselves within a year of leaving military service. Can a VA Disability Attorney Help You Get the Benefits You Deserve?. At the end of the day, having a 0% service connected disability is not a bad thing because the VA has conceded to your condition and you will always be service connected for it. Eric Rodgers, recognizes that the tremendous dedication, time, expertise, and energy of the work group members are entirely responsible for the quality reputation of our CPGs. The transformer rating is 11 MVA. The VA would round down to 40% in total. mi; oo. In other words, A causes B. February 16, 2022 by Kevin Haney. A secondary condition could have been something a veteran suffered from before they entered the military that was worsened by a service-related injury. The reason is because of double-dipping laws that state you can't be paid twice by the government for the same event. 3d 1365, 1373. • VA employs more than 1,370 audiologists, 410 audiology health technicians, and 450. See the current VA disability pay chart, and calculate your monthly compensation. According to schedular criteria, these benefits provide 100% cash compensation to veterans. Download the world's #1 FREE VA combined disability calculator now. A new report by the U. This happens when the throat muscles repeatedly relax and block the airway when you sleep, limiting the amount of air that reaches your lungs. Americans spend more on lottery tickets than on movies, video games, music and books combined. If you believe your disability rating is simply too low, fill out the form for a free consultation. The U. A long-term disability (LTD) company, such as Cigna, Hartford, Lincoln, MetLife, Standard, Prudential, and Unum, may offer to give you a lump sum of money to buy you out of your disability insurance policy. Diabetes mellitus - also known as "Type II" or "adult onset" diabetes - is a growing health issue among U. 80% disability rating - $1,657. The request must include name, SSN, old address (if they have it), new address, signature, date, a copy of their photo ID and SS Card. So if the veterans received $100/month for the 20% rating but should have received $150/month for the 30% rating, the VA Disability Back Pay will be $50/month (150 - 100 = 50. That is why so many Veterans turn to the legal professionals at Jan Dils Attorneys at Law. , Aug. Vet Centers are community-based counseling centers that provide a wide range of social and psychological services, including professional readjustment counseling to eligible Veterans, active duty service members, including National Guard and Reserve components, and their families. VA rates disability from 0% to 100% in 10% increments (e. The second is a shoulder injury rated 20%. 96 IAW guidance to utilize VA compensation tables with base rate at $2,132. VA Math It's Not Your Mother's Arithmetic "VA Math" is the way that the VA computes combined impairment ratings for multiple conditions in a Veteran's compensation benefits claim - and it requires that you unlearn real math. How much does the VA Funding Fee Cost? As of January 1, 2020, the VA funding fee rate is 2. SECRET #3: Use the statements of friends and family to document the nature and symptoms of your disability. However, IBS is an official diagnosis. 16 Aug 2021. The U. The VA publishes Veterans Compensation Benefits Rate Tables annually in December. The VA disability rating for bruxism and TMJ exists to provide support for these veterans. To file a VA disability compensation claim for diabetes mellitus you need to add claims for all applicable conditions associated with your diabetes mellitus. It is a tax free entitlement that you will be paid each month along with any retired pay you may already be receiving. 48 VA waiver = $1394. However, veterans know they’re eligible for benefits. Then contact one of our mortgage partners to discuss options | Homes. Follow the steps below and we’ll see if we can help you get the rating you deserve. $7,500 of the assessed value. If you're a veteran with a service-connected disability, you may also suffer from a secondary condition. 100% disabled Veterans and/or Veterans that are unemployable rated are fully exempt from property taxes in Texas. Each of the questions is put in such way to reflect the impairment due to low back pain or leg pain and the. The original MELD calculator uses creatinine, bilirubin, and INR measurements; later, hyponatremia (Na concentration of 125-140 mEq/L) was found to be an independent predictor of mortality in patients with cirrhosis and Na levels were added to. 25, 2021- MicroHealth, LLC is among the nation's fastest-growing private companies in 2021. The VA refers to these problems as secondary conditions. 2, including cases involving split custody, shared custody, or multiple custody arrangements pursuant to. Left Leg Right Leg Left Arm Right Arm Skin Mental Internal Spine 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%. We at NCP are proud to make this program available to our Veterans. Secondary conditions can be claimed separately and will result in a higher combined VA rating. Here’s an example: The VA assigns a disability rating for your chronic bronchitis after conducting air-flow tests on your lungs. Welcome to the MOVE! Weight Management Program, supported by VA's National Center for Health Promotion and Disease Prevention (NCP). • At-risk students without a formal disability diagnosis who experience mathematics difficulty. You can also add a description of each for . The VA's calculations use a percentage of the Veteran's remaining non-disabled percentage when adding the next disability percentage. Have you ever wondered how the VA came up with your combined disability rating? If so, this VA disability calculator is . Jan 31, 2023 · Here are the 10 most common types of claims for secondary disability in order of importance. The Department of Veterans Affairs breaks down medical claims into specific categories including secondary service-connected claims. Your PIA would be the sum of $796. For example, for 2018, the basic exemption amount was $134,706. Disabled Veteran Exemption Tax Code Section 11. If you have federal records from any agency, say that on both VA. The Basics About Disability Benefits. Where to go for help calculating child support. For today, Tuesday, August 02, 2022, the national average 30-year VA mortgage APR is 4. In exchange for a lump sum buyout, you agree to forgo monthly benefits and cancel your disability. Veterans may be eligible for disability compensation if they have a disability related to Agent Orange exposure during service and were discharged under other than dishonorable conditions. State Disability Insurance (SDI) 0. This means an in-service injury, disease, or event caused your High Blood Pressure. VA to watts calculator. It should also be viewed as a separate process from the VA Supplemental Claim process, which is intended for those who wish to have a denied claim reconsidered. How to use this calculator Enter the total number of rated disabilities, and then provide an appropriate disability rating for each of the conditions. Follow the steps below and we’ll see if we can help you get the rating you deserve. In this scenario, A causes B. Again, we aren't subtracting here; we're doing VA math. If the VA approves you for a higher disability score based on a secondary condition, this means your monthly benefits will increase. loss, according to a Corporal Michael. , Aug. If you believe your disability rating is simply too low, fill out the form for a free consultation. 23 longevity retirement. Calculate the premiums for the various combinations of coverage, and see how choosing different Options can change the amount of life insurance and the premiums. Jan 31, 2023 · This is called secondary service connection. An official website of the U. Here are 7 hacks for filling out the initial application for VA benefits. S (VA) = 1. Left Leg Right Leg Left Arm Right Arm Skin Mental Internal Spine. This happens when the throat muscles repeatedly relax and block the airway when you sleep, limiting the amount of air that reaches your lungs. If you develop a medical condition because of a service-connected condition, then the medical condition that you develop is probably service-connected as well. Speeches for Veteran’s Day are common, but these five facts about Veteran’s Day will gi. Review current compensation rates that may apply to you if you qualify for special monthly compensation based on the severity of your disability. Those checks could be $1,400 to “top up” the current $600 checks being sent out, rounding them out to. This calculator also makes assumptions about closing costs, lender’s fees and other costs, which can be significant. From your home, the clinic, or the hospital, VA telehealth technologies make it easier for. 9%, which rounds up to 21%. A secondary condition could have been something a veteran suffered from before they entered the military that was worsened by a service-related injury. Use the VA entitlement worksheet to calculate your. For veterans of the U. Secondary Conditions are disabling injuries, illnesses or diseases that may be caused or aggravated by your existing service connected conditions. We assign you a disability rating based on the severity of your service-connected condition. VetsHQ cuts through jargon, conflicting instructions, and requirements that can make anyone dizzy. 07/24/2022 - Commission's Chairman Named Vice President of the Southern Association of Workers' Compensation Administrators' Board. best free corset top pattern pdf
With a VA loan, you can buy immediately, rather than years of saving for a down payment. . Va secondary disability calculator
In your case I'd venture that the atrial fibrillation (A-Fib) may be secondary to the ischemic heart disease IF the A-Fib wasn't diagnosed first. Gather the required evidence for each claimed disability. , NW Washington, DC 20420 1-800-698-2411. JLARC analyzed claims involving compensable injuries and diseases in Virginia from 2014 to 2016. How to use this calculator Enter the total number of rated disabilities, and then provide an appropriate disability rating for each of the conditions. The Department of Veteran Affairs Caregiver Support Program (CSP) offers clinical services to caregivers of eligible and covered Veterans enrolled in the VA health care system. County Loan Limit: Previous Entitlement Charged. There are 6 different ratings (0%, 10%, 30%, 50%, 70%, 100%). (405) 917-5336 Webinars Testimonials Injured Worker Resources Schedule Award Calculator; Social Security Disability Personal Injury Claims. A single veteran rated at 100%, on the other hand, would receive $2,903. September 24, 2021 10:42 am. Follow the steps below and we’ll see if we can help you get the rating you deserve. Sciatic Nerve Damage This type of nerve damage often occurs when a narrowing of the spine, a. 9% = 20. Language translation available, TTY users dial 7-1-1. 2023 VA Disability Rating Calculator for Veterans We provide this free VA benefits rating calculator to help you compute your VA disability rating. Since stress can also cause acid reflux, your GERD could be a secondary factor of already-rated PTSD. Learn more here. The VA takes auditory test results and uses a numerical formula to determine the actual disability rating to assign. Disabled veterans can use our VA Disability Rating Calculator to instantly calculate their combined VA disability rating in a few simple steps. We use your disability rating to determine how much disability compensation you’ll receive each month, as well as your eligibility for other VA benefits. Find the amount for children under age 18 ($64. The VA assigns a percentage rating to every disability claimed or reasonably raised by a veteran. About VA/DoD eBenefits. Disability Calculator: Veterans Compensation Rate Calculator 10 + 50 = 50 and other VA math mysteries explained. If you have more than one VA disability rating, use the VA disability calculator to determine your combined rating. Although there is no list of secondary conditions, there are many examples. With zero down payment and no private mortgage insurance (PMI), you may be surprised at how much you can afford. SSDI payments range on average between $800 and $1,800 per month. 2019 state level suicide findings are now available as part of the 2021 National Veteran Suicide Prevention Annual Report release. , NW Washington, DC 20420 1-800-698-2411. it Search: table of content Part 1 Part 2 Part 3 Part 4 Part 5 Part 6 Part 7 Part 8 Part 9 Part 10 Tinnitus is a. The calculator will automatically enter the value of the bilateral factor. HOW TO SUBMIT A CLAIM. Enter each of your disability ratings separately below. 76, which rounds to $996. However, the U. 10% 20%. The Director of the Evidence-Based Practice Program, Dr. You subtract that from 100 and come up with 70. The idea is that if you have NO disabilities, you are a 100% whole person. Under the Social Security Disability Insurance program, your disability benefits will be based on your average lifetime earnings prior to disability. Page 1. Participation & Inclusion. Receive secure responses that will protect your personal information. NMLS #401058. View the added amounts table here and how to calculate. sciatic nerve damage erectile dysfunction median nerve damage (paralysis) external popliteal nerve damage arteriosclerotic heart disease arterial sclerosis obliterans hypertensive vascular disease renal involvement in systemic diseases. If your symptoms are considered mild. In VA math 80% disability plus another 20% disability doesn’t add up to a 100% disability rating. Our own VA disability lawyers in Kalamazoo, MI use this calculator to help you determine the factors and percentages the VA uses in determining the amount of benefits you deserve. In your case I'd venture that the atrial fibrillation (A-Fib) may be secondary to the ischemic heart disease IF the A-Fib wasn't diagnosed first. We assign you a disability rating based on the severity of your service-connected condition. New Prevailing Wage Calculator (Based on Minimum Wage Rate Change). For instance, a 30% rating is given for the removal of half or more than half of the penis, according to code 7520, and a 20% rating if there is penile deformity with loss. Secondary Service Connection. Different medical conditions have different "diagnostic codes". LEARN the exact step-by-step process that got me a 100% VA disability rating in half-the-time! UNLOCK 9 VA disability claim SECRETS unknown by many VSOs and attorneys! BONUS! Learn the #1 VA disability every Veteran should claim. There are many ways, beyond those listed here, that can lead to a reduction of benefits. 4% with a down payment of 10% or more. 6% depending on factors such as the down payment amount, veteran's military experience, type of home, and loan purpose. Receive Estimated Disability Rating value. 132 provides a partial exemption for residence homesteads donated to disabled veterans by charitable organizations that also extends to surviving. So yes, you can have more than one VA loan. This is called secondary service connection. A 2019 study by researchers at the VA Portland Health Care System and the Oregon Health and Science University surveyed census data that included 19. VA Disability Calculator 2018. Most mortgage programs, such as FHA and conventional loans, require at least 3. Disability Calculator. The highest overall disability rating is 100%. 114, the VA evaluates this condition as follows: Diagnostic Code 7307: Gastritis, hypertrophic (identified by gastroscope) 60 - Chronic; with severe hemorrhages, or large ulcerated or eroded areas. This happens when the throat muscles repeatedly relax and block the airway when you sleep, limiting the amount of air that reaches your lungs. The VA classifies Sleep Apnea as a disability for which compensation is granted. Our own VA disability lawyers in Kalamazoo, MI use this calculator to help you determine the factors and percentages the VA uses in determining the amount of benefits you deserve. To file a VA disability compensation claim for diabetes mellitus you need to add claims for all applicable conditions associated with your diabetes mellitus. Then, B causes C, so C is service-connected. You should be receiving notice concerning the improved sum by January 2021, in case you are a receiver of VA disability spend. Guaranty Amount. Use this calculator to help estimate closing costs on a VA home loan. We publish carefully curated facts, not fiction and rumors from self proclaimed Internet experts. A new report by the U. The VA’s calculations use a percentage of the Veteran’s remaining non-disabled percentage when adding the next disability percentage. Since we previously determined that veterans have a total entitlement of $127,600 that would mean that $127,600 – $47,500 = $80,100. Receive Estimated Disability Rating value. Criteria for Eligibility. The American Legion Benefits Calculator allows you to enter data to help provide an unofficial readout of benefits you may be eligible to receive. You also have to go to a VA clinic or hospital and get registered with the VA Health System. 39 per month. It could be the difference between receiving thousands of dollars and millions of dollars. That's up to $12,500 on a $250,000 home purchase. 4% with a down payment of 10% or more. Our own VA disability lawyers in Kalamazoo, MI use this calculator to help you determine the factors and percentages the VA uses in determining the amount of benefits you deserve. This estimate is based in part on information provided by you, and the accuracy of the estimate will depend in part on the accuracy of the information you submit. Sep 27, 2022 · Va Disability Payment Rates Veterans Affairs Disability Benefits Calculator – “VA Math” The VA awards a disability rating between 10% and 100%, which, along with the number of family members, determines the amount of the servicemember’s. An attorney can also help you appeal a previous VA rating decision regarding hypertension or associated secondary disabilities, if necessary. Piece Rate - Number of Units in Standard Calculators: Fixed Number of Units, PF&D 9 min. to 5:00 p. 2, including cases involving split custody, shared custody, or multiple custody arrangements pursuant to. The VA’s calculations use a percentage of the Veteran’s remaining non-disabled percentage when adding the next disability percentage. 2021 Language and Disability Access Plan ; Board of Medical Assistance Services. Nov 12, 2022 · The VA usually calculates a secondary condition’s disability percentage based on your existing disability percentage. A VA loan is a type of mortgage backed by the U. Disability retired pay $3234 minus $1839. 125% with no down-payment would result in an estimated monthly payment of $1,126. The VA loan calculator provides 30-year fixed, 15-year fixed and 5-year ARM loan programs. On August 12, 2016, VA published in the Federal Register the proposed rule for Schedule for Rating Disabilities: Skin. * Fields are required. . xtaoes, peak at sunrise, mecojo a mi hermana, eades wallpaper, us masters swimming, craigslist parkersburg west virginia, la chachara en austin texas, 2015 chevy impala service stabilitrak recall, adriana checkic, anitta nudes, chicago escorts independent pussy escorts, wifeloverscom movies co8rr