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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Retirement Issues Advocated on Capitol Hill

Retiree association and chapter leaders demonstrated their determination to advocate retirement issues during the NRLN’s Annual Leadership Conference in Washington, DC, Feb. 2 – 4, 2015.

Snowstorms in Michigan, Ohio, Nebraska and New York and heavy fog in Arizona caused long delays in flights. Nine National Retiree Legislative Network Associations and General Motors Retirees Chapter members arrived hours late on Monday night, Feb. 2. Flights were cancelled for the NWB director in Nebraska and the EKRA-Kodak Retirees President in New York. We were pleased we did not have snow in our nation’s capital, but it was cold and windy.

Following the NRLN annual Leadership Conference business session on Monday afternoon, attendees met on Tuesday and Wednesday, Feb. 3 and 4, with members of the U.S. Senate and House of Representatives to lobby for passage of bills that would protect retiree income and health care security.
Our advocacy with Representatives, Senators and members of their staffs were focused on these issues:

Click here to read the NRLN Talking Points on these issues used by conference attendees in their Capitol Hill meetings. Folders containing executive summaries of NRLN position papers and testimonials by NRLN grassroots advocates on these issues were given at each meeting to Representatives, Senators and members of their staffs.

Each time we meet in Washington, DC we try to meet with federal agencies and to invite experts and leaders from other organizations to meet with us on topics akin to our legislative agenda and specific reasons for our trip there. On Monday, Feb. 2, George Washington University Professor Brian Briley reviewed findings of a study on the cost of Medicare Advantage plans compared with traditional Medicare costs across the U.S. and provided us with the data package he prepared for the Commonwealth Fund that commissioned the study.
Also, the Chairman of RxRights, Lee Graczyk, shared his views on prescription drug importation from Canada and the need for legislation that would authorize Medicare competitive bidding on prescription drugs. Lee joined NRLN participants in meetings with Senators John McCain (AZ) and Amy Klobuchar (MN) who recently introduced S.122 calling for importation from Canada. NRLN supported that introduction and is actively encouraging introduction of a House companion bill and bills calling for competitive bidding.
On Wednesday, Feb. 3, we met with the Department of Labor’s Employee Benefits Security Administration (EBSA) to discuss pension plan derisking, in particular lump-sum pension buyouts.
The Lucent Retiree Organization (LRO) led a discussion regarding the lack of specific disclosure requirements to fully explain the considerations for accepting or rejecting a lump sum offer and the consequences that need to be considered. Leaders from the National Chrysler Retirement Organization (NCRO) and the General Motors Retirees Chapter (GMRC) were active in sharing experiences and supported the need for objective disclosure so plan participants can make the right decision for themselves.

EBSA had no specific disclosure guidelines to offer and were not anxious to take action but made suggestions about what we might do to inform LRO and other members of NRLN associations, chapters and at-large members. We mentioned we had produced a two-page summary of information provided to General Motors retirees. EBSA officials asked us for a copy of that document, which we sent to them following our meeting.

We should be grateful to those who endured snowstorms and transportation delays to make it to Washington, DC. Moreover, those who prepare well and spend valuable time for us every week deserve our support and need us to respond to NRLN requests to email letters to members of Congress.

A more in depth report on our conference will be covered in the upcoming NRLN FOCUS newsletter. Click here to view a few photos from the conference.

Bill Kadereit, President
National Retiree Legislative Network


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

Prevent Trans-Pacific Partnership from Raising Cost of Medicines

Negotiations by the Obama Administration on the Trans-Pacific Partnership treaty to boost imports and exports have been taking place in secrecy. Information has leaked out that indicates big pharmaceutical companies have had sway in the dealings that would increase the cost of medicines at the expense of patients’ health and the budgets of consumers and governments. Click here to send the NRLN’s sample letter to your Representative and Senators urging them to prevent the TPP from raising cost of medicines.

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.


Read Fall 2014 NRLN FOCUS Newsletter

The content in the 8-page newsletter includes:

For recent mail from our members, click here.


Washington Post columnist Gruberizes Medicare argument
By Michael Busler; CDN ~ Feb 28, 2015

How to choose a financial adviser who's right for you
By Gregory Karp; Chicago Tribune ~ Feb 28, 2015

The Inside Story Of How Citizens United Has Changed Washington Lawmaking
By Paul Blumenthal and Ryan Grim, Huffington Post – Feb 26, 2015

5 Things To Know About The Supreme Court Case Challenging The Health Law
By Julie Rovner; Kaiser Health News ~ Feb 27, 2015

Paul Ryan to attend ObamaCare arguments at the Supreme Court
By Sarah Ferris; The Hill ~ Feb 27, 2015

The Drug Pipeline Flows Again
By Robert Langreth & Oliver Staley; Bloomberg ~ Feb 27, 2015

Obama struggles with Wall Street to woo Democrats over broker rules
By Sarah N. Lynch & Suzanne Barlyn; Reuters ~ Feb 27, 2015

Some Republicans seek extension to health-law credits
By Louise Radnofsky &d Stephanie Armour; MarketWatch ~ Feb 26, 2015

Is Washington Ready for the Death of Obamacare?
By Joshua Green; Bloomberg ~ Feb 26, 2015

4 Simple (And Objective) Ways To Tell If Obamacare Is "Working"
From Chris Conover; Forbes ~ Feb 26, 2015

By Kristen Ricaurte Knebel; Bloomberg BNA ~ Feb 26, 2015

This Chart: Social Security Disability 'Crisis' Might Already Be Over
By Dylan Scott; Talking Points Memo ~ Feb 12, 2015

The silent struggle of seniors with debt
From Chris Taylor; Reuters ~ Feb 26, 2015

Both parties face risks as health care law court case nears
By Alan Fram; The Associated Press ~ Feb 25, 2015

Republicans suspect the White House is hiding ObamaCare fallback plan
By Sarah Ferris; The Hill ~ Feb 25, 2015

New Online Tool Gives Patients Insight Into The Cost Of Medical Care
By Jay Hancock; Kaiser Health News ~ Feb 25, 2015

Insurance group raises alarms about looming ObamaCare case
By Sarah Ferris; The Hill ~ Feb 25, 2015

GOP senators blast union 'carve out' in ObamaCare tax
By Peter Sullivan; The Hill ~ Feb 25, 2015

Got a pension? Act now to save it
By Robert Powell; MarketWatch ~ Feb 25, 2015

Administration: No quick fix if court kills health subsidies
By ALAN FRAM; The Associated Press ~ Feb 24, 2015

Treasury issues reprieve for health law tax errors
By Ricardo Alonso-Zaldivar; The Associated Press ~ Feb 24, 2015

H&R Block: Majority of ObamaCare customers paying back subsidy
By Sarah Ferris; The Hill ~ Feb 24, 2015

U.S. High Court Hints at New Monitoring Rules for 401(k) Plans
By Greg Stohr; Bloomberg Business ~ Feb 24, 2015

Stern Advice: Don't wait for Washington to protect retirement investors
By Linda Stern; Reuters ~ Feb 24, 2015

Filing for Social Security Spousal Benefits
By Gail Buckner; Fox Business ~ Feb 23, 2015

Longer Lives Hit Companies With Pension Plans Hard
By Michael Rapoport; The Wall Street Journal ~ Feb 23, 2015

Capitol Hill Buzz: Sen. Hatch prepping health plan
By Alan Fram; The Associated Press ~ Feb 23, 2015

Obama Administration Disallows Plans Without Hospital Coverage
By Jay Hancock; Kaiser Health News ~ Feb 23, 2015

Doctors say data fees are blocking health reform
By Arthur Allen; Politico ~ Feb 23, 2015

Five Ways Your Financial Adviser Can Screw Up Your Retirement, Legally
By Ben Steverman; Bloomberg Business ~ Feb 23, 2015B

Obama takes aim at brokers' fees on U.S. retirement accounts
By Jeff Mason & Sarah N. Lynch; Reuters ~ Feb 23, 2015

How I Was Stung By A Tax Scam And How You Can Avoid One
From John Wasik; Forbes ~ Feb 23, 2015

Congress' Social Security "Reform" Means Cuts
By Robert Weiner and Autumn Kelly, Palm Beach Post – Feb 21, 2015

Paging Physician Assistants As Obamacare Fuels Demand
By Bruce Japsen; Forbes ~ Feb 22, 2015

Governors: No clear plan if health care subsidies fall
By Steve Peoples; The Associated Press ~ Feb 22, 2015

AP-GfK Poll: Most back Obama plan to raise investment taxes
By Stephen Ohlemacher & Emily Swanson; The Associated Press ~ Feb 22, 2015

Financial advisers push back on proposed new rules
By Kevin Cirilli; The Hill ~ Feb 20, 2015

Retiree home buying tips
By Adam Verwymeren; Fox News ~ Feb 20, 2015

OMG! What Do I Do? I’m Missing a W2
By Bonnie Lee; Fox Business ~ Feb 201, 2015

What Makes A "SuperAger"?
From Carolyn Rosenblatt; Forbes ~ Feb 21, 2015

Feds seek 1 percent cut in Medicare Advantage
By Sarah Ferris; The Hill ~ Feb 20, 2015

ObamaCare sign-ups to start earlier in 2016
By Sarah Ferris; The Hill ~ Feb 20, 2015

ObamaCare enrollment to reopen
By Peter Sullivan; The Hill ~ Feb 20, 2015

Almost Half The Uninsured Still Don’t Know They Owe An Obamacare Penalty
By Sarah Hurtubise; The Daily Caller ~ Feb 20, 2015

Wrong Health Tax Credit Statements Sent to 800,000
By Louise Radnofsky; The Wall Street Journal ~ Feb 20, 2015

How To Turn Your Retirement Savings Into Retirement Income
From Erik Carter; Forbes ~ Feb 20, 2015

Longer lifespans strain pensions
By David Lynch, Bloomberg News – Feb 2, 2015

Vitter: Clerks are blocking ObamaCare investigation
By Sarah Ferris; The Hill ~ Feb 19, 2015

Obama pressured to re-open ObamaCare
By Sarah Ferris & Peter Sullivan; The Hill ~ Feb 19, 2015

Obamacare Is Barely Denting Corporate Profits
By Michelle Fay Cortez & Alexander Wayne; Bloomberg Business ~ Feb 19, 2015

Seniors call for action as White House starts aging forums
By Matt Sedensky, AP; Miami Herald ~ Feb 19, 2015

Do Obamacare's Challengers Have A 'Nutty,' 'Stupid' Or 'Screwy' Interpretation Of The Law?
By Chris Conover; Forbes ~ Feb 18, 2015

Contra White House, Obamacare Exchanges Enroll Roughly 5 Million Uninsured, Not 11.4 Million
By Avik Roy; Forbes ~ Feb 18, 2015

Dems gloat over ObamaCare numbers
By Peter Sullivan; The Hill ~ Feb 18, 2015

Marketplace Website Still Has Many ‘Back End’ Glitches Affecting Insurers
From KHN Morning Briefing; Kaiser Health News ~ Feb 18, 2015

Doctors Strive to Do Less Harm by Inattentive Care
By Gina Kolata; The New York Times ~ Feb 17, 2015

Opinion: Social Security Could Be In Worse Shape Than We Thought
By Jamie Hopkins ; Forbes ~ Feb 18, 2015

How Insurers Can Hit You With $10,000 Health Care Bills—Even When You're Covered
By Julie Appleby, KHN; The Daily Beast ~ Feb 17, 2015

Obamacare rescue ruled out by some states, others weigh options
By David Morgan; Reuters ~ Feb 17, 2015

Millions In Health Coverage ‘Gap’ Won’t Be Penalized
From KHN Morning Briefing; Kaiser Health News ~ Feb 17, 2015

Figuring Out If A Doctor Is In Your Plan Is Harder Than You Think
By Michelle Andrews; Kaiser Health News ~ Feb 17, 2015

White House: Health law sign-ups top 11M
By Ricardo Alonso-Zaldivar; The Associated Press ~ Feb 17, 2015

Dems Brandish New Counterproposal In Social Security Fight: Tax The Rich
By Dylan Scott; Talking Points Memo ~ Feb 17, 2015

Feds, states extend Obamacare enrollment period for some
By Laura Ungar; USA TODAY ~ Feb 16, 2015

Democrats seek relief from health law penalties
By Ricardo Alonso-Zaldivar; The Associated Press ~ Feb 16, 2015

Do the Wealthy Really Pay Their ‘Fair Share’? Economics Professor Breaks It All Down
By Billy Hallowell; TheBlaze ~ Feb 16, 2015

Congress Starts Its Own TurboTax Probes
By John D. McKinnon & Laura Saunders; The Wall Street Journal ~ Feb 16, 2015

Flurry of sign-ups at health law deadline; web glitch fixed
By Ricardo Alonso-Zaldivar; The Associated Press ~ Feb 15, 2015

“I was blindsided:” Woman says she was shocked to learn she must pay back her Obamacare subsidy
By CNN Wire Service; Fox 6 Now ~ Feb 15, 2015

Bill Maher Turns On Obamacare? ‘It’s More Expensive, Too Confusing’
By Jamie Weinstein; The Daily Caller ~ Feb 14, 2015

U.S. agency says work to fix problem hampering Obamacare applications
By Mohammad Zargham; Reuters ~ Feb 14, 2015

Millions in health coverage gap seek to avoid tax penalty
By Emily Schmall; The Associated Press ~ Feb 14, 2015

Stiffer Tax Penalties Used to Spur Insurance Enrollment
By Michael D. Shear & Robert Pear; The New York Times ~ Feb 14, 2015

Tips for Navigating a Changing Tax Landscape
By Jan M. Rosen; The New York Times ~ Feb 14, 2015

Social Security debate reignites
By Rebecca Shabad; The Hill ~ Feb 14, 2015

Concierge Medicine Firm Found Liable For Doctor’s Negligence
By Phil Galewitz; Kaiser Health News ~ Feb 12, 2015

Latinos Elude Obamacare in Struggle to Lure Growing Population
By Alexander Wayne; Bloomberg ~ Feb 13, 2015

Busted: Obamacare Co-Ops Are Underwater And Sinking Fast
By Merrill Matthews; Forbes ~ Feb 13, 2015

Report: Expect Worst IRS Service This Season, but Blame Tax Agency
By Cathy Burke; Newsmax ~ Feb 13, 2015

Inequality Helps Fuel a Social Security Death Spiral
By Erik Sherman, Forbes – Feb 11, 2015

GOP plea on Social Security disability: Do something, Obama
By David Rogers, Politico – Feb 11, 2015

The Rising Toll of Inequality on Social Security
By Philip Moeller, Time.Com – Feb 12, 2015

HHS To Stop Obamacare Coverage For 200,000 Illegal Aliens
By Rachel Stoltzfoos; The Daily Caller ~ Feb 12, 2015

House bill would repeal ObamaCare tax on insurance companies
By Sarah Ferris; The Hill ~ Feb 12, 2015

Medicare's Biggest Little Secret: Seniors Can Have A Medical Savings Account
By Greg Scandlen; Forbes ~ Feb 12, 2015

Charity Tax Breaks Yield Bipartisan Challenge to Obama
By Richard Rubin; Bloomberg ~ Feb 12, 2015

Online Filers: Pay Attention to the Fine Print!
By Dunstan Prial; Fox Business ~ Feb 11, 2015

Yep, Obamacare Costs a Fortune
By Christopher Flavelle; Bloomberg View ~ Feb 11, 2015

Experts warn 2015 could be 'Year of the Healthcare Hack'
By Caroline Humer & Jim Finkle; Reuters ~ Feb 11, 2015

Republicans press to fix Social Security disability program
By Andrew Taylor; The Associated Press ~ Feb 11, 2015

Defined contribution plans doubled asset growth of pensions in 2014
By Rob Kozlowski; Investment News ~ Feb 11, 2015

Will the New Pension World Pass Its Test?
By Terrance Odean; The Wall Street Journal ~ Feb 11, 2015

More Pensions Want to Offload Risk to Insurers
By Timothy W. Martin; The Wall Street Journal ~ Feb 11, 2015

Retirement: 10 ways to live frugally
By Nanci Hellmich; USA TODAY ~ Feb 10, 2015

Four words could bring the law down
By “S.M.” ; The Economist ~ Feb 09, 2015

McConnell: Americans Are About To Get Whacked By Obamacare Taxes
By Rachel Stoltzfoos; The Daily Caller ~ Feb 10, 2015

IRS List: The Dirty Dozen Tax Scams for 2015
By Internal Revenue Service; NBC 10 ~ Feb 10, 2015

Beyond ‘Repeal And Replace,’ Ideas Emerge To Improve, Simplify Health Law
By Julie Rovner; Kaiser Health News ~ Feb 09, 2015

U.S. government says Obamacare subsidies averaging $268 a month
By David Morgan; Reuters ~ Feb 09, 2015

Tax Day Shocker: Obamacare ‘Clawback’ To Hit Some Subsidy Recipients With Huge Tax Bill
By Richard Pollock; The Daily Caller ~ Feb 09, 2015 bulks up staffing to meet deadline
By Sarah Ferris; The Hill ~ Feb 09, 2015

Pension plans, once inviolable promises to employees, are getting cut
By Michael A. Fletcher; The Washington Post ~ Feb 09, 2015

Republican senator: ObamaCare replacement may wait until 2017
By Peter Sullivan; The Hill ~ Feb 07, 2015

Insured, but Not Covered
By Elisabeth Rosenthal; The New York Times ~ Feb 07, 2015

Medicare preps for natural disasters, power outages
By Elise Viebeck; The Hill ~ Feb 07, 2015

No encryption standard raises health care privacy questions
By Ricardo Alonso-Zaldivar; The Associated Press ~ Feb 07, 2015

Even as US job market picks up, unemployed face frustration
By Christopher S. Rugaber; The Associated Press ~ Feb 07, 2015

Senators put focus on healthcare data after hack
By Sarah Ferris; The Hill ~ Feb 06, 2015

11 Common Medicare Mistakes
By Kimberly Lankford; Kiplinger ~ Feb 06, 2015

Hackers Who Stole Anthem’s Database Got Names, Birthdates, Social Security Numbers
From KHN Morning Briefing; Kaiser Health News ~ Feb 06, 2015

Should You Save More For Retirement Or Pay Off Your Mortgage Early?
By Erik Carter; Forbes ~ Feb 06, 2015

Republicans unveil new ObamaCare replacement plan
By Nick Kalman; Fox News ~ Feb 05, 2015

House Dem wants wider eligibility for ObamaCare tax credit
By Elise Viebeck; The Hill ~ Feb 05, 2015

Medicare Should Split From Health Department, Senator Hatch Says
By Alexander Wayne; Bloomberg Business ~ Feb 05, 2015

Medicare to pay for lung cancer screenings
By Elise Viebeck; The Hill ~ Feb 05, 2015

President Obama’s 2016 budget targets retirement accounts
By Jeffrey Levine; MarketWatch ~ Feb 05, 2015

Verizon retirees appeal pension transfer
By Nick Thornton; BenefitsPro ~ Feb 04, 2015

U.S. health agency says 2015 Obamacare demand ramping up
By Caroline Humer; Reuters ~ Feb 04, 2015

Anxiety over Supreme Court's latest dive into health care
By Ricardo Alonso-Zaldivar; The Associated Press ~ Feb 04, 2015

The Big Lie: 5.6% Unemployment
By Jim Clifton; Gallup ~ Feb 04, 2015

House Votes To Repeal Obamacare Yet Again—But This Time It's Different
By Sahil Kapur; Talking Points Memo ~ Feb 03, 2015

Government Blinks Again on Obamacare
By Megan McArdle; Bloomberg View ~ Feb 02, 2015

Specialist Doctors Head for Exit as U.S. Shifts Payments
By Alexander Wayne; Bloomberg ~ Feb 02, 2015

Budget Plan Sees Savings In Changes To Medicare
By Robert Pear; The New York Times ~ Feb 02, 2015

Drug Prices Prompt Obama to Call for Medicare Bargaining Power
By Alexander Wayne; Bloomberg ~ Feb 02, 2015

Why White House disability insurance fix makes sense
By Mark Miller; Reuters ~ Feb 02, 2015

Obama's 10 new taxes
By Kelsey Snell, Kim Dixon & Brian Faler; Politico ~ Feb 02, 2015

Obama Throws Down Gauntlet On Social Security In New Budget
By Dylan Scott; Talking Points Memo ~ Feb 02, 2015

Obama Would Block Strategies to Pump Up Roth IRAs
By Karen Damato; The Wall Street Journal ~ Feb 02, 2015

Obama's Corporate Tax Raid Would Sack the Elderly
By Peter Morici; Newsmax ~ Feb 02, 2015

The Problem With Obama's Plan to Limit Retirement Savings
By Allison Schrager; Bloomberg ~ Feb 02, 2015

Income Layering Helps Retirees Combat Inflation, Adviser Says
By Michelle Brennan Hall; The Wall Street Journal ~ Feb 01, 2015

New rule for plan funding notices
By Marlene Y. Satter; BenefitsPro ~ Feb 02, 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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