NRLN Works to Protect Your Retirement Security

The National Retiree Legislative Network (NRLN) works to enact federal legislation to protect employer-sponsored pensions, health care benefits and keep Social Security and Medicare strong.

With support from more than 2 million members and Washington, D.C. staff, the NRLN identifies and rallies support for federal legislation that will guarantee fair and equitable treatment of retirees from the private and public sectors. Learn more about the NRLN and legislation important to retirees by clicking on the "About Us" and "Legislative" links above.

The NRLN recently created the American Retirees Education Foundation (AREF) with a mission is to research, educate and inform retirees, future retirees and the general public on how best to protect and promote retirement income security and retiree health care. Contributions to AREF are tax deductible.

To learn more about the AREF, go to .

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The NRLN's power to affect legislation comes from thousands of retirees like you making your voice heard in our nation's capital. Write to your representatives now.

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More Disclosures Needed with Lump Sum Offers

Over the last several years, the NRLN has met with federal agencies (Department of Labor (DOL), Employee Benefit Services Administration and Treasury) on several occasions to request detailed disclosures from plan sponsors offering lump sums as part of a larger effort to bring about policy changes on the de-risking of pension plans. I testified on behalf of the NRLN before the ERISA Advisory Council at the Department of Labor in 2013 and just last month as they move closer to making recommendations on this issue.

Our concern has always been that retiree need more, not less, information about the value of the lump sum (and the impact that it has on those who remain in the plan as well as the risks of accepting a one-time, life-lasting sum of cash from a plan sponsor. The basic question most retirees should start with is…why should I be interested in taking on the personal risk of a lump sum that needs to last me for a lifetime?

Over a year ago, Congress commissioned the General Accounting Office (GAO) to study the information needed by pension plan participants in order to make informed decisions about choosing whether or not to accept lump sum buyout offers from U.S. company plan sponsors. 

The GAO study was released earlier this year and I testified on May 28, 2015 before the ERISA Advisory Council where I reinforced the need for DOL to adopt the recommendations GAO made as part of it its analysis of 22 different companies’ pension plan lump sum offers and the sample feedback from 248,000 affected retirees who received offers.

Click here to read my May 28, 2015 testimony to the ERISA Advisory Council.

Click here to access a copy of the GAO report

Bill Kadereit, President
National Retiree Legislative Network

report card NRLN Provides New “Report Card” Feature on Members of Congress

NRLN has introduced a “report card” for each state that shows whether the U.S. Representatives and Senators have supported bills in Congress advocated by the NRLN. Read all about it here.

For recent mail from our members, click here.


The NRLN regularly informs members by email about important information. If you did not receive an email with the NRLN President’s Forum message or an Action Alert posted on this home page, possibly you mistakenly “unsubscribed” on one of our emails or you have a new email address that is not in the NRLN’s database. You will no longer hear from us unless you “re-subscribe”. To “re-subscribe”, click here.

action alert

Don’t Let Pharma Hijack TPP

The U.S. Senate and House of Representatives have voted to give “Fast-Track” approval to the Trans-Pacific Partnership (TPP) being negotiated by the Obama Administration. Passage of “Fast-Track”, means that when the 12-nation trade pact is submitted to the U.S. Senate for review Senators can only have an up or down vote and not filibuster. Please email the NRLN’s sample letter to President Obama to urge him to not allow the pharmaceutical industry (pharma) to hijack TPP through provisions that only help the prescription drug makers and increase cost to Americans, especially retirees who need affordable medicine.


Click here to read the spring 2015 issue of the NRLN FOCUS Newsletter

Positive News for Medicare Beneficiaries

The NRLN and our grassroots advocates have been lobbying members of Congress for legislative action to eliminate Medicare’s requirement that beneficiaries must be in a hospital as an “inpatient” for three-days to be eligible for skilled nursing facility (SNF) services. Beneficiaries are often unaware that a hospital has admitted them as an “outpatient under observation” status rather than as an “inpatient”. Those admitted as an “outpatient under observation” who later receive SNF services are often surprised when they are billed for the services that Medicare will not cover.

We have some positive news. The powerful House Ways and Means committee has passed H.R. 876 the “Notice of Observation Treatment and Implication for Care Eligibility Act” or known as the “Notice Act”. The bill still needs to be passed by the entire House, then the Senate and signed into law by the President. Read more...


Obamacare Prices Could Rise If Blue Cross Plans Face More Competition
From Bruce Japsen; Forbes ~ Jul 03, 2015

McConnell: ObamaCare to blame for health care consolidation
By Ben Kamisar; The Hill ~ Jul 03, 2015

Three Challenges Impacting the Future of Obamacare
From Bill Frist; Forbes ~ Jul 03, 2015

Clash over ObamaCare, use of executive power intensifies
By Peter Sullivan; The Hill ~ Jul 02, 2015

After Court Victory, Obama Asks GOP To Work With Him To Improve Health Care
By Mary Agnes Carey; Kaiser Health News ~ Jul 01, 2015

IRS To Allow Do-Overs For Some Estates
By Ashlea Ebeling; Forbes ~ Jul 02, 2015

ObamaCare ruling paves the way for lobbying blitz
By Sarah Ferris ; The Hill ~ Jul 01, 2015

54 Changes To Obamacare: Latest Additions
From Grace-Marie Turner; Forbes ~ Jul 01, 2015

Medicare proposes coverage change on short hospital stays
By Ricardo Alonso-Zaldivar; The Associated Press ~ Jul 01, 2015

Obamacare Roils New Overtime Pay Rules
By Elizabeth MacDonald; Fox Business ~ Jun 30, 2015

Failing Obamacare Co-Ops Offer Lavish Executive Pay — And May Violate the Law
By Richard Pollock; The Daily Caller ~ Jun 30, 2015

Obama to focus on future of health care, Burwell says
By Dave Boucher; The Tennessean ~ Jun 30, 2015

Medical companies paid doctors $6.49B in 2014
By Peter Sullivan; The Hill ~ Jun 30, 2015

A New Approach To Timing Pension Payouts
From David Richardson; Forbes ~ Jun 30, 2015

After King v. Burwell: The cost of the subsidies remains a challenge
From Shirley Svorny; The Hill ~ Jun 29, 2015

How to Take Charge of Your Medical Records
By Melinda Beck; The Wall Street Journal ~ Jun 29, 2015

Obama to sign fast-track trade legislation
By Jordan Fabian; The Hill ~ Jun 29, 2015

Three retirement loopholes seen likely to close
By Liz Weston; Reuters ~ Jun 29, 2015

Time to change the subject in America's health care debate?
By Ricardo Alonso-Zaldivar; The Associated Press ~ Jun 28, 2015

Paul Ryan: ObamaCare will ‘collapse under its own weight’
By Timothy Cama; The Hill ~ Jun 28, 2015

Worse than the Supremes: Obamacare economics
By Larry Kudlow; CNBC ~ Jun 26, 2015

After Obamacare: The next Democratic health agenda
By Sarah Kliff; Vox ~ Jun 26, 2015

With court defeat, GOP health law effort now aimed at '16
By Alan Fram; The Associated Press ~ Jun 26, 2015

Column: Justice Scalia is the Supreme Court's real loser in Obamacare ruling
By William Yeomans; Reuters ~ Jun 26, 2015

Even after court victory, still no easy road for Obamacare
By Jennifer Haberkorn and Rachana Pradhan; Politico ~ Jun 26, 2015

Democrats Take Victory Lap Over Supreme Court Obamacare Decision
By Kerry Picket; The Daily Caller ~ Jun 26, 2015

Obamacare ruling ends threat to U.S. hospitals, insurers
By Caroline Humer & Bill Berkrot; Reuters ~ Jun 26, 2015

Some Seniors To Pay For Medicare 'Doc Fix'
By Donald Jay Korn; Investor’s Business Daily ~ Jun 26, 2015

COLUMN-Gay marriage's big benefit is Social Security
By Mark Miller; Reuters ~ Jun 26, 2015

House bill would force the Supreme Court to enroll in ObamaCare
By Mark Hensch; The Hill ~ Jun 25, 2015

Republican presidential hopefuls slam SCOTUS Obamacare ruling
By Danielle Haynes; United Press International ~ Jun 25, 2015

Why Has Chief Justice Roberts Moved From Umpiring To Batting On Healthcare?
From David Davenport; Forbes ~ Jun 25, 2015

5 Points On Why John Roberts Upheld Obamacare Subsidies
By Tierney Sneed; Talking Points Memo ~ Jun 25, 2015

The Biggest Takeaways From the Supreme Court Obamacare Ruling
Scalia derides Roberts's reasoning as "pure applesauce"

By Paul Barrett; Bloomberg ~ Jun 25, 2015

Obama health care law survives second Supreme Court fight
By Mark Sherman; The Associated Press ~ Jun 25, 2015

ObamaCare chief wins GOP raves
By Sarah Ferris; The Hill ~ Jun 24, 2015

Doctor networks shrinking under ObamaCare, study finds
By Sarah Ferris; The Hill ~ Jun 24, 2015

Robert J. Samuelson: Federal Government Is Now An Old Folks Home
By Robert J. Samuelson; Investor’s Business Daily ~ Jun 24, 2015

House committee cuts funding for DOL fiduciary rule-making
By Hazel Bradford; Pensions & Investments ~ Jun 24, 2015

Senate GOP advances bill targeting ObamaCare
By Rebecca Shabad; The Hill ~ Jun 23, 2015

Medicare Slow To Adopt Telemedicine Due To Cost Concerns
By Phil Galewitz; Kaiser Health News ~ Jun 23, 2015

House ready to kill health law's Medicare savings panel
By ALAN FRAM; The Associated Press ~ Jun 23, 2015

We’re Living Longer, and Other Reasons to Worry About Americans’ Retirement Outlook
By David Harrison; The Wall Street Journal ~ Jun 23, 2015

Senate Gives Obama Huge Win On Trade
By Zach Carter and Michael McAuliff, Huffington Post – June 23, 2015

McConnell to fast-track ObamaCare tax repeal
By Jordain Carney; The Hill ~ Jun 22, 2015

Washington whipped into frenzy ahead of ObamaCare ruling
By Sarah Ferris; The Hill ~ Jun 21, 2015

Report: Higher deficits, more uninsured if health law tossed
By Andrew Taylor & Ricardo Alonso-Zaldivar; The Associated Press ~ Jun 19, 2015

Are Obamacare’s 22 Health Insurance Co-ops Near Financial Collapse?
By Richard Pollock; The Daily Caller ~ Jun 18, 2015

243 People Arrested For $712 Million Medicare Fraud
By Megan Cassella, RNS; The Daily Caller ~ Jun 19, 2015

At Home, Many Seniors Are Imprisoned by Their Independence
By Paula Span; The New York Times ~ Jun 19, 2015

The Trans-Pacific Partnership: Questions and Answers
By Michael Shear, New York Times – June 16, 2015

House votes to repeal ObamaCare tax
By Sarah Ferris; The Hill ~ Jun 18, 2015

House bill would prevent extension of ObamaCare subsidies
The Hill ~ Jun 18, 2015

Medicare project: House calls for frail seniors cut costs
By Lauran Neergaard; The Associated Press ~ Jun 18, 2015

House revives Obama’s trade agenda with passage of fast track bill
By Paul Kane and Mike DeBonis, Washington Post – June 18, 2015

Kenneth Feinberg to Oversee Cuts in Multiemployer Pension Plans
By Mary Williams Walsh; The New York Times ~ Jun 17, 2015

HHS offers insurers new protections against high claims
By Sarah Ferris; The Hill ~ Jun 17, 2015

New ObamaCare plan emerges in House
By Peter Sullivan & Sarah Ferris; The Hill ~ Jun 17, 2015

Paperwork Inconsistencies Causing Thousands To Lose Obamacare Subsidies
By Chabeli Herrera, MH; Kaiser Health News ~ Jun 17, 2015

No ready fix if Obamacare subsidies are lost: policy experts
By Sharon Begley & Caroline Humer; Reuters ~ Jun 17, 2015

The Private Medical Practice Is Not Dead Yet
By Larry Myler; Forbes ~ Jun 16, 2015

Doing More, Not Less, to Save Retirees From Financial Ruin
By Eduardo Porter; The New York Times ~ Jun 16, 2015

Obama Admin Making Billions In Obamacare Subsidy Payments Without Verifying Amounts
By Sarah Hurtubise; The Daily Caller ~ Jun 16, 2015

Survey Finds People Blame Obamacare Failures On Its Authors
By Connor D. Wolf ; The Daily Caller ~ Jun 15, 2015

Obama admits was a ‘well-documented disaster’
By Brian Fung; The Washington Post ~ Jun 16, 2015

Four changes that would simplify retirement savings
By Liz Weston; Reuters ~ Jun 16, 2015

Alcatel-Lucent CEO says date of his departure not yet set
By Leila Abboud; Reuters ~ Jun 16, 2015

Obama’s trade plan in critical condition
By Jake Sherman, Politico – June 15, 2015

White House threatens veto of ObamaCare device tax repeal
By Peter Sullivan; The Hill ~ Jun 15, 2015

Filling The ACA's Coverage Gap - With Non-Qualified Health Plans
From Robert Book; Forbes ~ Jun 15, 2015

Vast data warehouse raises privacy concerns
By Ricardo Alonso-Zaldivar; The Associated Press ~ Jun 15, 2015

Target selling pharmacy, clinic businesses to CVS Health
By Tom Murphy; The Associated Press ~ Jun 15, 2015

Battle Continues Over Fiduciary Rule for Retirement Investments
By Daisy Maxey; The Wall Street Journal ~ Jun 14, 2015

Medical Expert: ‘The Power Of The Doctor Is Becoming Subsumed By The Government’
By Ginni Thomas; The Daily Caller ~ Jun 14, 2015

America’s Seniors Find Middle-Class ‘Sweet Spot’
By Dionne Searcey & Robert Gebeloff; The New York Times ~ Jun 14, 2015

7 Things You Can Do To Ward Off Identity Theft
From Nancy Anderson; Forbes ~ Jun 13, 2015 ,

Money moves that could kill your retirement
By Gerri Detweiler; USA TODAY ~ Jun 13, 2015

Under Affordable Care Act, As Government Pays Has Healthcare Cost Exceeded Sustainable Levels?
From Steven Delco; Forbes ~ Jun 12, 2015

Battle lines harden on ObamaCare
By Peter Sullivan; The Hill ~ Jun 12, 2015

Many Patients Find Unexpected Medical Bills, Even With Obamacare
From KHN Morning Briefing; Kaiser Health News ~ Jun 12, 2015

Doctors don’t actually know how often you should see them
By Ishani Ganguli ; The Washington Post ~ Jun 12, 2015

4 keys to managing cash today and through retirement
By Stephen Williams; MarketWatch ~ Jun 12, 2015

House Rejects Trade Bill, Rebuffing Obama’s Dramatic Appeal
By Jonathan Weisman, New York Times – June 12, 2015

Obama isn't trying to sway Supreme Court, White House says
By Jordan Fabian; The Hill ~ Jun 11, 2015

So Long As You Ignore The Problems, Obamacare Is Perfect
By Connor D. Wolf; The Daily Caller ~ Jun 09, 2015

IRS taking steps to combat taxpayers' identity theft
By ALAN FRAM; The Associated Press ~ Jun 11, 2015

The Pension Payout: Lump Sum or Annuity?
By AnnaMaria Lusardi; The Wall Street Journal ~ Jun 11, 2015

Trade Deal Targets Medicare, New Leak Reveals
By Daniel Marans, Huffington Post – June 10, 2015

Why Are The 2016 Obamacare Rate Increases So Large?
From Robert Laszewski; Forbes ~ Jun 10, 2015

Ryan, health chief clash over ObamaCare plans
By Peter Sullivan; The Hill ~ Jun 10, 2015

Obama using Hollywood TV interview to defend health law
By Jordan Fabian; The Hill ~ Jun 10, 2015 - 06/10/15 08:04 PM EDT

Some Insured Patients Still Skip Care Because Of High Costs
By Jim Burress, WABE; Kaiser Health News ~ Jun 10, 2015

Medicare Dispute Could Derail Friday Trade Votes
By Emma Dumain & Matt Fuller; Roll Call ~ Jun 10, 2015

A crisis for seniors who rely on Social Security
By Rep. John Larson (D-Conn.) ; The Hill ~ Jun 10, 2015

Should you get a part-time job in retirement?
By Brian Vnak; MarketWatch ~ Jun 10, 2015

As We Were Saying, Tax Reform is Dead; Congressional Action
By Jon Kyl & Richard A. Hertling; The National Law Review ~ Jun 10, 2015

Why Americans are getting new credit cards
By Ken Sweet; The Associated Press ~ Jun 10, 2015

Should You Take a Lump-Sum Pension Offer?
By Anne Tergsen, Wall Street Journal – June 5, 2015

House, Senate closing in on ObamaCare backup, senator says
By Peter Sullivan; The Hill ~ Jun 09, 2015

GOP slams Obama over health law remarks
By Jordain Carney; The Hill ~ Jun 09, 2015

The U.S. Economy Can't Hire Health-Care Workers Fast Enough
By Michelle Jamrisko; Bloomberg ~ Jun 09, 2015

Emails Reveal Jonathan Gruber’s Obamacare Work Was Of ‘Key Political Importance’
By Chuck Ross; The Daily Caller ~ Jun 09, 2015

Can Republicans Win by Losing at the Supreme Court?
With rulings expected soon in cases involving gay marriage and the fate of the Affordable Care Act, the electoral consequences will soon be laid bare.

By Greg Stohr; Bloomberg ~ Jun 08, 2015

McConnell: 'We'll let you know' ObamaCare plan after SCOTUS rules
By Jordain Carney; The Hill ~ Jun 08, 2015

Obama: Court shouldn't have considered health law challenge
By Jim Kuhnhenn & Nedra Pickler; The Associated Press ~ Jun 08, 2015

Travel in retirement without ruining your nest egg
From Anna Helhoski; USA TODAY ~ Jun 07, 2015

McConnell: Obama will veto any ObamaCare backup plan we pass
By Peter Sullivan; The Hill ~ Jun 05, 2015

Report: Social Security overpaid disability benefits by $17B
By Stephen Ohlemacher; The Associated Press ~ Jun 05, 2015

Health chief: ObamaCare premium hikes will drop
By Peter Sullivan; The Hill ~ Jun 04, 2015

Cruz slams Obama officials for refusing to testify
By Peter Sullivan; The Hill ~ Jun 04, 2015

Don’t Take Retirement Advice From Late-Night TV Ads
By Ben Steverman; Bloomberg ~ Jun 04, 2015

5 Reasons You Should Consolidate Your Retirement Accounts
From Michael Helveston; Forbes ~ Jun 04, 2015

DC Renews Obamacare Website Contract For Company Accused Of Discriminating Against Americans
By Josh Fatzick ; The Daily Caller ~ Jun 02, 2015

An Obamacare Replacement That Works
By Ramesh Ponnuru; Bloomberg View ~ Jun 03, 2015

More Patients, Not Fewer, Turn To Health Clinics After Obamacare
From Michael Tomsi; Kaiser Health News ~ Jun 03, 2015

Panel votes to repeal ObamaCare tax
By Peter Sullivan; The Hill ~ Jun 02, 2015

Huge ObamaCare Rate Hikes Are Sign Of Worse Things To Come
An Editorial; Investor’s Business Daily ~ Jun 02, 2015

More than 10M enrolled this year under Obama's health law
By Ricardo Alonso-Zaldivar & Kevin S. Vineys; The Associated Press ~ Jun 02, 2015

The Right Way to Think About Social Security
From Jim Blankenship; The Wall Street Journal ~ Jun 02, 2015

Your retirement or your life
By Robert Powell; MarketWatch ~ Jun 02, 201

Obamacare's 'Accountable Care' Experiment Is All Hype, No Substance
From Sally Pipes; Forbes ~ Jun 01, 2015

House GOP to release full ObamaCare backup plan after court ruling
By Sarah Ferris; The Hill ~ Jun 01, 2015

Medicare paid doctors $90 billion in 2013, up 17 percent: officials
By Sharon Begley; Reuters ~ Jun 01, 2015

NRLN members are saving big with the Free Health Savings Rx Card℠

The NRLN has arranged to offer you a Health Savings Rx Card™, at NO COST, that offers you and your family savings on prescription drugs, plus vision and hearing services and products.Click here to access the Rx Savings Card℠ website.If you do not already have a Health Savings Rx Card℠ you will need to create your personal login and then printout your free card. Savings information for prescription drugs, vision and hearing services and products is available through the links under the Savings Plus tab.

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