Thousands of veterans are returning from American engagements in Iraq and Afghanistan, and their transition back to civilian life hasn't been easy. It's been estimated that up to 20 percent of the U.S. force suffers from post-traumatic stress disorder. But while PTSD is a major issue facing veterans and gets a lot of attention in the mass media, there's a host of other issues veterans face as they leave the military for civilian life.

[Also read "A spotlight on veterans for Veterans Day"]

And benefits brokers and agents across the country have already started to feel the impact. Some estimates state that half of American workplaces have a returning veteran or have an employee with a returning veteran in their family on staff. So if the calls haven't started, they're bound to. And those calls will be calls for help.