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    A Silver Lining

    Strangers come to disabled teen's aid when insurance company rejects military family's claims

    Claire St. Amant
    Feb 7, 2013 | 8:00 am

    Life isn't easy for 16-year-old Kaitlyn Samuels, who suffers from cerebral palsy, scoliosis and other complications of a rare brain disorder. But when Kaitlyn gets on a horse, some of the pain fades away.

    Discovering that their daughter benefits from physical therapy atop a horse would be good news for Jennifer and Mark Samuels, except for the fact that Tricare, a healthcare program for uniformed service members, won't cover it.

    Mark, a captain in the Navy, and his wife, Jennifer, have three children. At the advice of a doctor, in 2009 Kaitlyn started going to Rocky Top Therapy Center in Keller. The nonprofit organization is a Premier Accredited Riding Center qualified through Professional Association of Therapeutic Horsemanship International.

    "This case is so absurd that if enough people know about it, the public is going to demand that someone do something about it," attorney Marcella Burke says.

    But that's not good enough for Tricare, which has rejected the Samuels' appeal to get their daughter's physical therapy at Rocky Top covered. Tricare considers the activity "hippotherapy," which has not been medically proven to improve conditions such as the ones ailing Kaitlyn.

    The Samuels appealed Tricare's denial of physical therapy benefits. In October 2012, even though a judge sided with the Samuels, Tricare summarily denied the appeal. Colby Vokey, then the Samuels' Dallas-based attorney, described the decision:

    "We won the battle but lost the war because Tricare refuses to follow the decision of the hearing officer," Vokey wrote in a letter to the Samuels, adding, "This is unjust and unfair."

    With the help of pro bono representation from Houston attorney Marcella Burke, the Samuels plan to take Tricare to federal court to regain physical therapy benefits for their disabled daughter.

    "This case is so absurd that if enough people know about it, the public is going to demand that someone do something about it," Burke says. "We have a girl that will die. This is a matter of life and death."

    Burke is also exploring the idea of creating Kaitlyn's Law, which would make Tricare cover doctor-prescribed physical therapy that uses a horse as a tool. She's currently looking for a senator or congressman to sponsor the bill. On top of that, the Samuels started a Change.org petition.

    "We want insurance, literally and figuratively," Burke says. "If we had Kaitlyn's Law, it would protect her from whatever happens in federal court."

    In the meantime, Kaitlyn is getting some much-needed help. On February 1, Rocky Top Physical Therapy Center started Kaitlyn's Fund, which will divide donated monies equally between all military families who need physical therapy not covered by Tricare.

    Burke came up with the idea after several people asked how they could help the Samuels family. One man from the East Coast even offered to pay for all Kaitlyn's therapy in 2013.

    "We’ve been humbled and are so grateful for the help that’s been offered to us to continue this battle," Jennifer Samuels says. "Ultimately, we just want to fix this for all military children."

    --

    Tax-deductible contributions can be sent to:

    Kaitlyn’s Fund
    c/o Rocky Top Physical Therapy
    660 Keller Smithfield Road
    Keller, Texas 76248

    Doctors say Kaitlyn Samuels benefits from horse therapy, but Tricare insurance won't pay for it.

    Kaitlyn Samuels
    Americans For Kaitlyn Samuels
    Doctors say Kaitlyn Samuels benefits from horse therapy, but Tricare insurance won't pay for it.
    unspecified
    news/city-life

    salute to veterans

    Texas rises in 2026 ranking of the best states for military retirees

    Amber Heckler
    May 25, 2026 | 9:00 am
    Military retirees, veterans
    Photo by David Valentine on Unsplash
    Texas is now among the top 20 best states for military retirees to live.

    A new WalletHub report ranking the "Best and Worst States for Military Retirees" has revealed the Lone Star State has continued to improve its livability for retired veterans. Texas now ranks as the No. 20 best state for retirees transitioning into civilian life.

    The personal finance website's experts compared all 50 states and the District of Columbia based on each state's capability of providing a comfortable lifestyle for the nation's military veterans. States were ranked across 28 key metrics related to healthcare, quality of life, and economic environment.

    South Carolina retained its status as the best state for military retirees for another consecutive year, and the remaining top five states are Maryland (No. 2), New Hampshire (No. 3), North Dakota (No. 4), and Virginia (No. 5).

    Texas has the sixth-best economic environment for retired veterans nationally, the report found. This category was determined based on Texas' housing affordability, cost of living, the lack of state tax on military pensions, the number of job opportunities for veterans, and other factors.

    Meanwhile, the state only ranked 32nd for its quality of life (based on the share of veterans, homeless veterans, the "idealness" of weather, among others). Texas' healthcare rank for veterans is only the 37th best in the U.S., which has slipped one spot since last year. The healthcare rank considered the number of VA health facilities per number of veterans in Texas, the quality of VA hospitals, the number of physicians and mental health counselors per capita, and more.

    WalletHub analyst Chip Lupo said the best states make military retirees' transition to civilian life "as smooth as possible" with generous resources available for seeking physical and mental healthcare.

    "Military families are accustomed to moving, but when it comes time to retire, it can be difficult to decide where to put down roots," the report said. "For example, veterans must consider state tax policies on military benefits, along with the relative friendliness of different job markets and other socioeconomic factors, when choosing a state in which to settle down."

    For veterans looking for the right Texas city to retire in, Dallas and Fort Worth ranked among the best places to live in 2025.

    WalletHub additionally found that retired veterans won't receive as much support in New Jersey; Washington, D.C.; Vermont; Washington; and Oregon, which respectively comprised the bottom five worst states for military retirees.

    texasmilitary retireesveteranswallethubreports
    news/city-life
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