The New Jersey Lakes & Pines Chapter, an affiliate of MOAA, was chartered in 1962 and has a membership region covering Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, Mercer, Middlesex, Monmouth, Ocean and Salem Counties. Currently, virtual Zoom meetings are held monthly from September through December. A monthly newsletter provides current highlights of local and national import. The Chapter, with a current membership of 123, is an active chapter and very proud of its 5 Star Level of Excellence Awards and legislative successes at the national and state levels on behalf of all military beneficiaries. At the national level, the Chapter is credited as a main lobbying force in gaining the Paid-up provision to the Survivor Benefit Plan (SBP). At the state level, the Chapter is credited as the primary veterans’ organization to advocate for and gain the change in New Jersey law that exempts military pensions and survivor benefit payments from state income taxes.