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Page Title: Medical Board
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up  a  budget  that  will  prevent  hopeless  entrapment  in overburdening and ever-increasing debts. Consultation with a legal assistance officer when the member contemplates large purchases on credit will help  the  member  avoid  commitments  that  may  be difficult or impossible to carry out. Be  cautious  of  the  high-pressure  salesperson. Think  carefully  and  seek  advice  before  signing  an agreement or a contract. Never sign a blank contract and always multiply the number of payments by the amount to  determine  the  total  payment.  Note  particularly  the penalty  clauses. Failure to pay just debts or repeatedly incurring debts beyond a member’s ability to pay is evidence of irresponsibility  and  may  jeopardize  the  member’s security clearance status, advancement status, duty assignment,  qualification  for  reenlistment,  or  extension of enlistment, and in aggravated circumstances may become   grounds   for   disciplinary   action   or administrative  discharge. A saving may be realized by setting funds aside to  provide  for  cash  purchases  through  civilian  or military stores. Take advantage of the saving, counseling, and lending  services  provided  by  credit  unions  organized  by and  for  Department  of  the  Navy  civilian  and  military personnel. Bankruptcy   is   not   an   easy   way   out   of indebtedness.   The   Navy   neither   encourages   nor discourages  the  filing  of  a  petition  of  bankruptcy.  The circumstances  prompting  bankruptcy  proceedings  are considered  officially  since  they  may  reflect  adversely  on the military character of the petitioner. A discharge in bankruptcy does not give a member immunity from prosecution for offenses of failure to pay just debts committed before a petition of bankruptcy. The  member  must  fully  understand  the  Navy’s position   on   financial   indebtedness.   Refer   to   the MILPERSMAN, Article 6210140, for more information on indebtedness of naval members. MEDICAL  BOARDS Medical  boards  identify  members  whose  physical qualification to continue on full duty is in doubt or whose  physical  limitations  prevent  their  return  to  full duty  within  a  reasonable  period  of  time.  They  are convened  to  evaluate  and  report  on  the  diagnosis; prognosis  for  return  to  full  duty;  plan  for  further treatment, rehabilitation, or convalescence; estimate of the  length  of  further  disability;  and  medical recommendation  for  disposition  of  such  members. The findings of a medical board may affirm the physical qualification of a member for assignment to duty (fit for duty). A decision of unfit for duty is not within  the  responsibility  of  a  medical  board.  This determination is made only by the Physical Evaluation Board (PEB) upon review. The information contained in a medical board report plays an important role in determining the rights of an individual   to   certain   benefits   (such   as   pensions, compensation,  promotion,  retirement,  and  income  tax exemptions).   The   report   includes   all   available information with documentation concerning the origin, nature, aggravation by service, and other significant facts  concerning  each  of  the  member’s  conditions. CONVENING AUTHORITY COs of all naval hospitals and naval medical clinics may convene a medical board on any member of the armed  forces.  Medical  boards  may  also  be  ordered  by the Chief of Naval Operations (CNO); Commandant of the Marine Corps (CMC); fleet commanders in chief (FLTCINCs); C h i e f    o f    N a v a l    P e r s o n n e l (CHNAVPERS);  Commander,  Naval  Reserve  Force (COMNAVRESFOR); Chief, Bureau of Medicine and Surgery (BUMED); and Officer in Charge (OIC), Naval Office  of  Medical/Dental  Affairs  (MEDDEN  AFFAIRS, Great  Lakes,  Illinois. A  convening  authority  (CA)  may  delegate,  in writing,  signatory  responsibility  for  approving  or disapproving  recommendations  and  findings  of  board members.  Delegation  is  not  granted  below  the directorate level in a hospital command or below the level of the executive officer at a naval medical clinic. CONVENING OF A MEDICAL BOARD A  medical  board  is  convened  when  any  physician trained and certified to be a member of a medical board determines  the  following: A  service  member  has  a  condition  that  may permanently interfere with his or her ability to fulfill the purpose of service on active duty. A  service  member  is  temporarily  unable  to perform full duty, but return to full duty is anticipated and it is necessary to follow the patient for more than 30 2-4

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