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    <title>Blog</title>
    <link>https://pandtclub.com/blog</link>
    <description>Plain-language articles on 100% disabled veteran benefits: conditions, evidence, state perks, family coverage and yearly VA updates.</description>
    <language>en</language>
    <pubDate>Tue, 03 Nov 2026 05:16:14 GMT</pubDate>
    <dc:date>2026-11-03T05:16:14Z</dc:date>
    <dc:language>en</dc:language>
    <item>
      <title>CHAMPVA AND TRICARE: THE DISTINCTION FAMILIES NEED (clon)</title>
      <link>https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need-clon-1</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need-clon-1" title="" class="hs-featured-image-link"&gt; &lt;img src="https://pandtclub.com/hubfs/Web%20Page%20Images/Rectangle%202-1.png" alt="CHAMPVA AND TRICARE: THE DISTINCTION FAMILIES NEED (clon)" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need-clon-1" title="" class="hs-featured-image-link"&gt; &lt;img src="https://pandtclub.com/hubfs/Web%20Page%20Images/Rectangle%202-1.png" alt="CHAMPVA AND TRICARE: THE DISTINCTION FAMILIES NEED (clon)" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=48163973&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fpandtclub.com%2Fblog%2Fchampva-and-tricare-the-distinction-families-need-clon-1&amp;amp;bu=https%253A%252F%252Fpandtclub.com%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Family</category>
      <category>VA updates</category>
      <category>100% and P&amp;T</category>
      <pubDate>Tue, 03 Nov 2026 05:16:14 GMT</pubDate>
      <guid>https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need-clon-1</guid>
      <dc:date>2026-11-03T05:16:14Z</dc:date>
      <dc:creator>admin</dc:creator>
    </item>
    <item>
      <title>CHAMPVA AND TRICARE: THE DISTINCTION FAMILIES NEED (clon) (clon) (clon) (clon)</title>
      <link>https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need-clon-clon-clon-clon-1</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need-clon-clon-clon-clon-1" title="" class="hs-featured-image-link"&gt; &lt;img src="https://pandtclub.com/hubfs/Web%20Page%20Images/Rectangle%202-1.png" alt="CHAMPVA AND TRICARE: THE DISTINCTION FAMILIES NEED (clon) (clon) (clon) (clon)" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need-clon-clon-clon-clon-1" title="" class="hs-featured-image-link"&gt; &lt;img src="https://pandtclub.com/hubfs/Web%20Page%20Images/Rectangle%202-1.png" alt="CHAMPVA AND TRICARE: THE DISTINCTION FAMILIES NEED (clon) (clon) (clon) (clon)" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=48163973&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fpandtclub.com%2Fblog%2Fchampva-and-tricare-the-distinction-families-need-clon-clon-clon-clon-1&amp;amp;bu=https%253A%252F%252Fpandtclub.com%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Aid &amp; Attendance</category>
      <category>VA updates</category>
      <pubDate>Tue, 03 Nov 2026 05:11:22 GMT</pubDate>
      <guid>https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need-clon-clon-clon-clon-1</guid>
      <dc:date>2026-11-03T05:11:22Z</dc:date>
      <dc:creator>admin</dc:creator>
    </item>
    <item>
      <title>CHAMPVA AND TRICARE: THE DISTINCTION FAMILIES NEED (clon) (clon) (clon)</title>
      <link>https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need-clon-clon-clon</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need-clon-clon-clon" title="" class="hs-featured-image-link"&gt; &lt;img src="https://pandtclub.com/hubfs/Web%20Page%20Images/Rectangle%202-1.png" alt="CHAMPVA AND TRICARE: THE DISTINCTION FAMILIES NEED (clon) (clon) (clon)" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need-clon-clon-clon" title="" class="hs-featured-image-link"&gt; &lt;img src="https://pandtclub.com/hubfs/Web%20Page%20Images/Rectangle%202-1.png" alt="CHAMPVA AND TRICARE: THE DISTINCTION FAMILIES NEED (clon) (clon) (clon)" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=48163973&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fpandtclub.com%2Fblog%2Fchampva-and-tricare-the-distinction-families-need-clon-clon-clon&amp;amp;bu=https%253A%252F%252Fpandtclub.com%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>State benefits</category>
      <category>Aid &amp; Attendance</category>
      <pubDate>Tue, 03 Nov 2026 05:08:31 GMT</pubDate>
      <guid>https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need-clon-clon-clon</guid>
      <dc:date>2026-11-03T05:08:31Z</dc:date>
      <dc:creator>admin</dc:creator>
    </item>
    <item>
      <title>CHAMPVA AND TRICARE: THE DISTINCTION FAMILIES NEED (clon) (clon) (clon) (clon)</title>
      <link>https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need-clon-clon-clon-clon</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need-clon-clon-clon-clon" title="" class="hs-featured-image-link"&gt; &lt;img src="https://pandtclub.com/hubfs/Web%20Page%20Images/Rectangle%202-1.png" alt="CHAMPVA AND TRICARE: THE DISTINCTION FAMILIES NEED (clon) (clon) (clon) (clon)" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need-clon-clon-clon-clon" title="" class="hs-featured-image-link"&gt; &lt;img src="https://pandtclub.com/hubfs/Web%20Page%20Images/Rectangle%202-1.png" alt="CHAMPVA AND TRICARE: THE DISTINCTION FAMILIES NEED (clon) (clon) (clon) (clon)" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=48163973&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fpandtclub.com%2Fblog%2Fchampva-and-tricare-the-distinction-families-need-clon-clon-clon-clon&amp;amp;bu=https%253A%252F%252Fpandtclub.com%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>State benefits</category>
      <category>Evidence</category>
      <pubDate>Tue, 03 Nov 2026 05:08:14 GMT</pubDate>
      <guid>https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need-clon-clon-clon-clon</guid>
      <dc:date>2026-11-03T05:08:14Z</dc:date>
      <dc:creator>admin</dc:creator>
    </item>
    <item>
      <title>CHAMPVA AND TRICARE: THE DISTINCTION FAMILIES NEED (clon) (clon)</title>
      <link>https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need-clon-clon</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need-clon-clon" title="" class="hs-featured-image-link"&gt; &lt;img src="https://pandtclub.com/hubfs/Web%20Page%20Images/Rectangle%202-1.png" alt="CHAMPVA AND TRICARE: THE DISTINCTION FAMILIES NEED (clon) (clon)" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need-clon-clon" title="" class="hs-featured-image-link"&gt; &lt;img src="https://pandtclub.com/hubfs/Web%20Page%20Images/Rectangle%202-1.png" alt="CHAMPVA AND TRICARE: THE DISTINCTION FAMILIES NEED (clon) (clon)" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=48163973&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fpandtclub.com%2Fblog%2Fchampva-and-tricare-the-distinction-families-need-clon-clon&amp;amp;bu=https%253A%252F%252Fpandtclub.com%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Conditions</category>
      <pubDate>Tue, 03 Nov 2026 05:06:25 GMT</pubDate>
      <guid>https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need-clon-clon</guid>
      <dc:date>2026-11-03T05:06:25Z</dc:date>
      <dc:creator>admin</dc:creator>
    </item>
    <item>
      <title>CHAMPVA AND TRICARE: THE DISTINCTION FAMILIES NEED (clon)</title>
      <link>https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need-clon</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need-clon" title="" class="hs-featured-image-link"&gt; &lt;img src="https://pandtclub.com/hubfs/Web%20Page%20Images/Rectangle%202-1.png" alt="CHAMPVA AND TRICARE: THE DISTINCTION FAMILIES NEED (clon)" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need-clon" title="" class="hs-featured-image-link"&gt; &lt;img src="https://pandtclub.com/hubfs/Web%20Page%20Images/Rectangle%202-1.png" alt="CHAMPVA AND TRICARE: THE DISTINCTION FAMILIES NEED (clon)" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=48163973&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fpandtclub.com%2Fblog%2Fchampva-and-tricare-the-distinction-families-need-clon&amp;amp;bu=https%253A%252F%252Fpandtclub.com%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>VA updates</category>
      <pubDate>Tue, 03 Nov 2026 05:06:09 GMT</pubDate>
      <guid>https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need-clon</guid>
      <dc:date>2026-11-03T05:06:09Z</dc:date>
      <dc:creator>admin</dc:creator>
    </item>
    <item>
      <title>CHAMPVA AND TRICARE: THE DISTINCTION FAMILIES NEED</title>
      <link>https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need" title="" class="hs-featured-image-link"&gt; &lt;img src="https://pandtclub.com/hubfs/Web%20Page%20Images/Rectangle%202-1.png" alt="CHAMPVA AND TRICARE: THE DISTINCTION FAMILIES NEED" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need" title="" class="hs-featured-image-link"&gt; &lt;img src="https://pandtclub.com/hubfs/Web%20Page%20Images/Rectangle%202-1.png" alt="CHAMPVA AND TRICARE: THE DISTINCTION FAMILIES NEED" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=48163973&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fpandtclub.com%2Fblog%2Fchampva-and-tricare-the-distinction-families-need&amp;amp;bu=https%253A%252F%252Fpandtclub.com%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>100% and P&amp;T</category>
      <pubDate>Tue, 03 Nov 2026 04:59:19 GMT</pubDate>
      <guid>https://pandtclub.com/blog/champva-and-tricare-the-distinction-families-need</guid>
      <dc:date>2026-11-03T04:59:19Z</dc:date>
      <dc:creator>admin</dc:creator>
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