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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.

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Take Action Now!

click here to read the NRLN's current Action Alert and send the sample letter to your elected representatives.

enter your 5-digit zip code in the box to identify your U.S. Senators and Representative and compose your own personal message to them.

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.

 

 

       BILL KADEREIT

 

PRESIDENT'S FORUM

We’ve Made Significant Progress with Congress

With Congress on its annual August Recess, I thought this would be a good time for me to evaluate where the National Retiree Legislative Network stands with its efforts to gain legislation on retirement income security and reduce the cost of health care. This has been a concerted effort by the NRLN Board, the Legislative Affairs Committee, Grassroots Committee, Washington D.C. staff, Region, State and Congressional District Leaders and you, our grassroots advocates who send letters and make calls to members of Congress in support of bills in accord with the top priorities in our Legislative Agenda.

Nothing comes easy when dealing with Congress. However, our persistence in communicating the needs of retirees and future retirees has influenced Representatives and Senators to introduce a number of bills in line with what we have been advocating. Your letters, phone calls, visits to local offices, face-to-face meetings on Capitol Hill during NRLN Fly-Ins, and the day-by-day lobbying by our Executive Director and Legislative Adviser has resulted in significant progress.

Here is my perspective on bills in Congressional committees that are aligned with what we have been advocating.

Prescription Drugs

In the House, H.R. 3715,”The Personal Drug Importation Fairness Act of 2013”, would give Americans access to safe, reasonably-priced prescription drugs by allowing for the personal importation and re-importation of prescription drugs from countries with safety standards that are at least as strong as those of the United States. We are working to get key Senators to introduce a companion bill to H.R. 3715 in the Senate.

Bills in the Senate, S.117, and in the House, H.R.1102, - both entitled “The Medicare Prescription Drug Price Negotiation Act” - would direct the Secretary of Health and Human Services (HHS) to negotiate with pharmaceutical manufacturers the prices that may be charged to Medicare Part D prescription drug plan sponsors and Medicare Advantage companies for covered Part D drugs.

S.214, “The Preserve Access to Affordable Generics Act”, would help put an end to the practice of brand-name drug manufacturers using pay-for-delay agreements to keep more affordable generic equivalents out of the market and help make sure consumers have access to the cost-saving generic drugs they need. Work continues to get a companion bill introduced in the House.

H.R. 2845, “The Diabetic Testing Supply Access Act”, would deny the Secretary of Health and Human Services (HHS) authority to restrict or eliminate a Medicare beneficiary's option of electing to have diabetic testing supplies delivered to him or her by retail community pharmacies regardless of delivery method (except by mail). This includes pharmacies that contract with a long-term care facility, assisted living facility, group home, or other type of residential setting recognized by the state.

Protecting Medicare

S. 2087, the “Medicare Protection Act”, would amend the Congressional Budget Act to define any provision included in reconciliation legislation that makes changes to Medicare to reduce or eliminate guaranteed benefits or restrict eligibility criteria as extraneous and an inappropriate use of the reconciliation process. The bill would also express the sense of the Senate that,

  • (1) the Medicare eligibility age should not be increased and
  • (2) the Medicare program should not be privatized or turned into a voucher system.

The NRLN has opposed Rep. Paul Ryan's proposal to eliminate the traditional Medicare program for Americans now under age 54 and younger and replace traditional Medicare with a “premium support” payment (voucher) to purchase private insurance. This would push more costs onto seniors and increase the risk that Medicare becomes unaffordable over time.

H.R. 2504 and S.1332 - both entitled “The Home Health Care Planning Improvement Act” - would allow payment for home health services to Medicare beneficiaries by:

  • 1) a nurse practitioner,
  • (2) a clinical nurse specialist working in collaboration with a physician in accordance with state law,
  • (3) a certified nurse-midwife, or
  • (4) a physician assistant under a physician's supervision.

These are common-sense bills which would reduce unnecessary burdens on health care providers and patients in need of home health services.

Medicare’s 3-Day Inpatient Rule

There are three bills with bipartisan support in Congressional committees that we have advocated to address the 3-day hospital stay requirement as an “inpatient” for Medicare beneficiaries to be eligible to receive skilled nursing facility (SNF) services.

The NRLN prefers the passage of H.R. 3531, “The Creating Access to Rehabilitation for Every Senior (CARES) Act.” This bipartisan bill would eliminate the 3-day "inpatient" hospital stay requirement for Medicare beneficiaries who are in need of SNF services, thus not requiring a patient to be hospitalized prior to receiving SNF services. This would save Medicare the hospital costs.

H.R. 1179 and S. 569 - both entitled “The Improving Access to Medicare Coverage Act” - would count being in a hospital for "observation" toward satisfying the "inpatient" requirement for Medicare to cover SNF services. However, unlike H.R. 3531, it does not eliminate the hospitalization requirement.

Retirement Income Security

The NRLN’s opposition to changing the formula for the Social Security Cost of Living Allowance (COLA) to the proposed Chained CPI (would have lowered COLAs) influenced Congress and President Obama to drop this CPI proposal.

Congress needs to address the Social Security funding gap through modest increases in the payroll tax and temporarily suspending the ceiling on earnings that can be taxed until the trust funds are actuarially funded. Trust funds should be held in a “lock box” that Congress can’t access to spend elsewhere.

S. 2418, “The Bankruptcy Fairness and Employee Benefits Protection Act”, includes several provisions advocated in the NRLN’s white paper on Bankruptcy Reform. For example, the bill would establish Health Coverage Tax Credit (HCTC) payments as a permanent benefit for those who lose health care due a corporate bankruptcy. In late 2010 and during the summer of 2011, NRLN Action Alerts resulted in more than 17,500 emails being sent to members of Congress supporting the extension of HCTC to help offset the cost of monthly health care premiums to retirees ages 55 to 64 (pre-Medicare eligibility) whose health care benefits were reduced or eliminated in bankruptcy proceedings.

This consistent pressure on legislators resulted in a compromise whereby the HCTC tax credit for all eligible recipients was increased from 65% to 72.5%, with the increase being retroactive to February 13, 2011. The higher tax credit continued until the end of 2013 and then reverted back to the 65%.

We have more work to do on S. 2418 for more comprehensive reforms through additional joint meetings with the House and Senate Judiciary staffs. We believe the bill addresses some issues but falls short of protections needed as we saw from the experiences of our Kodak, Delphi, GM and Chrysler retiree members during those companies’ bankruptcies. Without full judiciary committee support on both sides of the aisle, bills protecting retiree benefits in corporate bankruptcies do not stand much of a chance for passage by Congress.

More Work Ahead

We still have more work ahead to convince members of Congress to introduce – and to pass! – bills which would address the protection of pension assets. Our July 27th Action Alert and our Congressional August Recess Initiative are directed toward urging Representatives and Senators to produce bills in four areas:

The NRLN has been successful so far but needs your continued support to persuade Congress to:

  • (1) Stop the use of pension assets for non-pension expense,
  • (2) Require the PBGC to ensure equitable calculations of benefit payments earned by retirees, as required by ERISA,
  • (3) Protect retirees when a pension plan sponsor does de-risking, converting pensions to annuities, and
  • (4) Require more disclosures to retirees in their pension plan Annual Funding Notice. In addition to lobbying members of Congress, we are also meeting with the Departments of Labor, Treasury and other federal agencies through our Regulatory Affairs Vice President, in pursuit of relief.

With respect to retiree health care, Medicare participants may be denied coverage or held hostage to higher premiums for their Medicare supplement (Medigap) plans or their Medicare Advantage plans due to a pre-existing medical condition. The Affordable Care Act (ACA) prevents insurers from denying coverage to all Americans under age 65 due to a pre-existing medical condition – but this protection does not apply to folks age 65 and older. The NRLN is advocating the same for those over age 65.

Keep in mind that the ACA also imposes out-of-pocket cost limits for retirees under 65 but not for those over 65. The NRLN is advocating for out-of-pocket limits for those on Medicare. Insurers are required to spend 85% of Medicare Advantage (MA) premiums on the cost of health care but Medigap (Medicare supplement) plans spend only 65-70%. MA plans set lower “community-rated” premiums but most Medigap plans are “age-rated” (rate change due to age and cost change). The NRLN is advocating that Medigap plans pay-out 85% and insurers set “community-rated” Medigap premiums.

Your Continued Support Is Essential

With your continued support and the dedicated work of our volunteers and the NRLN staff, we continue to do our best to get the pending bills out of committee, passed by the House and Senate and the signed into law by the President.

It’s all important to you as retirees, it’s important to me and our volunteers as retirees, and to our children and grandchildren as future retirees. We’re all the NRLN.

Many thanks to you for your work and support.

Bill Kadereit, President
National Retiree Legislative Network


NRLN IS WORKING FOR YOU

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.

NRLN Letter to Secretary of Health and Human Services

NRLN President Bill Kadereit has sent a letter to Sylvia Mathews Burell, Secretary of Health and Human Services appealing to her to exercise the HHS oversight of the FDA to prevent the agency from seizing and destroying prescription drugs purchased from other countries as stated in Section 708 of the Food and Drug Administration Safety and Innovation Act.

It is the NRLN’s contention that the FDA should be directing its resources to set prescription drug safety standards that drug manufactures in foreign countries must meet in order for those less expensive medicines to be imported into the United States rather than confiscating and destroying drugs at our borders.

Click here to read the letter.


AIRCRAFT

NRLN's Fall Fly-In

Washington, D.C.
Sept. 29 – Oct. 1, 2014

The National Retiree Legislative Network's Fall Fly-In will be held Sept. 29 – Oct. 1, 2014 at the Liaison Hotel, 415 New Jersey Avenue N.W. in Washington, D.C.

The meeting will begin Monday afternoon Sept. 29, followed by meetings on Capitol Hill with Senators, Representatives and their staff members on Tuesday, Sept. 30, and Wednesday, Oct. 1. Some attendees will arrive early on Sunday, Sept. 28, and some may stay over for more Capitol Hill meetings on Thursday, Oct. 2.

The Fall Fly-In is open to any NRLN grassroots advocate. Advocates who are affiliated with a retiree association or chapter, should notify the president of their organization if they are interested in attending the Fly-In. Click here to register to attend.

Questions about the Fly-In may be emailed to contact@nrln.org or call toll free 1-866-360-7197.

Click on the videos by Bill Kadereit, NRLN President, and Marta Bascom, NRLN Executive Director, for their comments about the Fall Fly-In.


NRLN President Sends Letters Supporting Two Bills

Click here to read NRLN President’s letter supporting the Diabetic Testing Supply Access Act.

Click here to read the letter supporting the Medicare Protection Act.


NRLN President’s Letter to President Obama

NRLN President Bill Kadereit has sent a letter to President Barack Obama saying he should be critical of the House passing funding for the Highway Trust Fund because $6.4 billion of the bill’s $10.9 billion is raised by further extending to corporations relief from funding their defined benefit pension plans. The letter points out that it is the second time in two years that Congress is moving toward giving corporate pension plan sponsors pension funding relief.

Mr. Kadereit stated, “Your administration, along with the House and Senate, is trying to destroy what little is left of retirement income security. Over the years, the Social Security Trust Fund has been raided to pay other government expenses to the point that the ability to pay Social Security benefits in the future is at risk. Many corporations have terminated their pension plans through bankruptcies and de-risking actions. Now our government is placing many of the remaining pension plans in jeopardy by providing the plan sponsors additional funding relief.” Click here to read the entire letter.


FOCUS

Read Summer 2014 NRLN FOCUS Newsletter

Click here to read the Summer 2014 edition of the NRLN FOCUS Newsletter.

The content in the 8-page newsletter includes:

  • The NRLN President Bill Kadereit uses his column to comment on:
    • NRLN’s meetings in Washington, D.C. to request an urgent review of company practices regarding de-risking of pension plans and Annual Funding Notices.
    • NRLN’s position that a root cause of the escalation of health care costs is forbidding the safe importation and competitive bidding for prescription drugs.
    • Legislation proposed by a bipartisan group of Senators to address Medicare fraud.
  • Key results from the 2014 NRLN Future Directions Survey.
  • The column by Marta Bascom, NRLN Executive Director, advocates that policy makers need to implement laws to fix the U.S. Department of Veterans Affairs and Medicare.
  • Announcement of dates for the NRLN Board meeting and fall Fly-In in Washington, D.C.
  • Profiles on two new NRLN Board Members.

Please take a few minutes to read the NRLN Newsletter.


Members Comments on the NRLN

for recent mail from our members, click here.


Attendees at the NRLN’s Annual Leadership Conference in Washington, D.C. devoted a day and a half on Feb. 4 and 5, 2014 to meetings on Capitol Hill with members of Congress and/or their staff members to advocate the NRLN’s Legislative Priorities. A few attendees remained in Washington an additional day for appointments with legislators. Click here to view photos from a few Capitol Hill appointments.

Click here to view the videos.


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 the "Health Savings Rx Card℠" tab above to access the Health Savings Rx Card℠ website. If you do not already have a Health Savings Rx Card℠ you will need to create your personal login and then click the link under "Complete Health Savings Rx Card℠ to 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.


Visit NRLN Facebook Page & Follow NRLN on Twitter

The NRLN now has a Facebook page and can be followed on Twitter. Click here to access the NRLN Facebook page.You are invited to follow the NRLN’s posts on Twitter. Click here if you have a Twitter account. If you don’t have a Twitter account, click here www.twitter.com to sign up at no charge.


IN THE NEWS...

Obamacare fading as top GOP ad issue in key Senate races: report
By David Sherfinski, The Washington Times – Aug 19, 2014

Some States Bristle At Lack Of Authority Over Medicare Advantage Plans
By Fred Schulte, The Center for Public Integrity – Aug 19, 2014

Lawyers: Send Obamacare Subsidies Case Straight To Supreme Court
By Sarah Hurtubise, The Daily Caller – Aug 18, 2014

Opinion: Liberals for Social Security Insolvency
By Andrew Biggs, Wall Street Journal – Aug 18, 2014

Why retiring is tougher now
By Eve Kaplan, USA Today – Aug 17, 2014

A third of people have nothing saved for retirement
By Nanci Hellmich, USA Today – Aug 17, 2014

Medicare to Start Paying Doctors Who Coordinate Needs of Chronically Ill Patients
By Robert Pear, New York Times – Aug 16, 2014

Seven ways to prepare financially for retirement
By Robert Powell, USA Today – Aug 16, 2014

Hospitals reassess charity as Obamacare options become available
By Julie Appleby, Washington Post – Aug 16, 2014

Pervasive Medicare Fraud Proves Hard to Stop
By Reed Abelson and Eric Lichtblau, New York Times – Aug 15, 2014

Do Retirees Take Too Much or Too Little Risk With Their Investments?
Wall Street Journal – Aug 15 2014

Part D: Medicare’s shining star
By Robert B. Blancato, The Hill – Aug 14, 2014

Who Pays Your Social Security Benefits?
By Tim Parker, Investopedia – Aug 14, 2014

The Truth About Retirement for Baby Boomers
By Josh Zumburn, Wall Street Journal – Aug 14, 2014

Solving a 2014 Obamacare problem pushes premium hikes in 2015
By Brett Norman, Politico – Aug 13, 2014

Solving a 2014 Obamacare problem pushes premium hikes in 2015
By Brett Norman, Politico – Aug 13, 2014

Opinion: Where ObamaCare Is Going
By Scott Atlas, Wall Street Journal – Aug 13, 2014

Report: Companies desperate to avoid ObamaCare 'Cadillac tax' shifting costs to workers
By Jim Angle, Fox News – Aug 13, 2014

Medicare home health reforms protect quality care
By Dr. Benjamin N. Doga, Gannett Daily World – Aug 13, 2014

Opinion: Social Security: broken, but not broke
By Jill Schlesinger, Chicago Tribune – Aug 13, 2014

Opinions: How Should the Government Change Social Security?
Wall Street Journal – Aug 11, 2014

Welcome to the World of 'Pension Smoothing'
By Vipal Monga, Wall Street Journal – Aug 11, 2014

Alcatel-Lucent to rollout 4G LTE network in Oklahoma and Kansas with Pioneer Cellular in United States
Alcatel-Lucent Press Release – Aug 11, 2014

Social Security crisis is here
By Jason Fichtner and Frederick Kilbourne, McClatchy-Tribune News Service - Aug 12, 2014

Fix Social Security now
By Brenton Smity, The Hill – Aug 12, 2014

Retirement under knife at Kodak, Xerox division
By Matthew Daneman, Democrat & Chronicle – Aug 12, 2014

5 ways to boost savings for retirement
USA Today – Aug 12, 2014

Debt: The big threat to a happy retirement
By Rodney Brooks, USA Today – Aug 12, 2014

Social Security crisis is here
By Jason Fichtner and Frederick Kilbourne, McClatchy-Tribune News Service - Aug 12, 2014

Fix Social Security now
By Brenton Smity, The Hill – Aug 12, 2014

Retirement under knife at Kodak, Xerox division
By Matthew Daneman, Democrat & Chronicle – Aug 12, 2014

5 ways to boost savings for retirement
USA Today – Aug 12, 2014

Debt: The big threat to a happy retirement
By Rodney Brooks, USA Today – Aug 12, 2014

One-Third of Americans Lack Retirement Savings
By Michael Cohn, Accounting Today – Aug 11, 2014

Here’s Why More Americans Are Retiring Earlier Than They Expected
By Dan Kadlec, Time – Aug 10, 2014

Partisan divide seen in federal judges’ Obamacare votes
By Tom Howell, Washington Times – Aug 10, 2014

Health law’s Center for Medicare and Medicaid has its skeptics about innovation
By Jay Hancock, Washington Post – Aug 10, 2014

Many Americans are not prepared for retirement: Fed survey
MarketWatch – Aug 7 2014

How to save a million bucks for retirement
By Nanci Hellmich, USA Today – Aug 9, 2014

Key ObamaCare official likely deleted emails now sought in House probe
Fox News – Aug 8, 2014

Key ObamaCare official likely deleted emails now sought in House probe
Fox News – Aug 8, 2014

Opinion: More ObamaCare woes: Congress must act to block health insurance bailout
By Senator Marco Rubio – Aug 8, 2014

Pensions or potholes? Congress chooses potholes
By John W. Schoen, CNBC – Aug 7, 2014

How higher Medicare premiums affect Social Security benefits
By Beth Franklin, Investment News – Aug 72014

The Social Security Earnings Test Is Not A Tax
By Jeffrey Brown, Forbes – Aug 7, 2014

Almost 20 percent of people near retirement age have no retirement savings
By Jonnelle Marte, Washington Post – Aug 7, 2014

THE CRISIS IN SOCIAL SECURITY
By Harry Brill, BeyondChron – Aug 6, 2014

Impending crisis should force action on Social Security in next Congress
By Ben Ritz, The Hill – Aug 7, 2014

The Real Social Security Crisis: Service
By Richard Eisenberg, Forbes – Aug 7, 2014

Obamacare's Newly Insured Boost Hospital Profits
By Elliot Jager, Newsmax – Aug 5, 2014

Millions of uninsured Americans exempt from ObamaCare penalties in 2016, watchdog report finds
Fox News – Aug 7, 2014

Why Workers and Retirees Missed the Roaring Bull Market
By Dan Kadlac, Time – Aug 6, 2014

No, Obamacare Has Not Reduced Insurance Costs
By Paul Howard and Yevgeniy Feyman, Forbes – Aug 5, 2014

HHS grapples with massive ObamaCare backlog
By Barnini Chakraborty, Fox News – Aug 5, 2014

Obamacare causes steep drop in uninsured — in deep red states
By Greg Sargent, Washington Post – Aug 5 2014

Taxes to watch out for in retirement
By Emily Brandon, U.S. News & World Report Aug 5, 2014

Five Reasons Not to Despair About Retirement
By Ben Steveman, Bloomberg News – Aug 5, 2014

9 Steps to a Successful Retirement Plan
By Philip Moeller, Time – Aug 5. 2014

What the Surveys Don't Say About Your Retirement Income Needs
By Jeff Brown, TheStreet – Aug 5, 2014

Managed accounts: Too pricey for retirees?
By Anne Tergesen, MarketWatch – Aug 5, 2014

Golden years … without the gold
By Associated Press – Aug 3, 2014

Obamacare’s Bad News Didn’t Stop; The Media Just Lost Interest

By Jim Geraghty, National Review Online – Aug 4, 2014

A Doctor's Perspective On Obamacare Plans
By jeffrey Cohen, WNPR – Aug 4, 2014

Editorial: The slowing growth of Medicare provides an opportunity for reform
By Editorial Board, Washington Post – Aug. 4, 2014

The Obscure Drug With a Growing Medicare Tab
By Charles Ornstein, New York Times – Aug. 4, 2014

Obamacare loses some of its campaign punch for Republicans
By Michael A. Memoli and Lisa Mascaro, Los Angles Times – Aug. 3, 2014

Obamacare challenge could go to the Supreme Court
CBS News – Aug. 1, 2014

Poll Shows Most Americans Don't Really Get How Obamacare Works
By Arit John, TheWire.Com – Aug. 1, 2014

Editorial: Social Security crisis lingers on
By Editorial Board, Denver Post – Aug 2, 2014

Can Obamacare Help You Afford Early Retirement?
By Michael Foster, Fox Business News – Aug. 1, 2014

Obamacare hits a new low in popularity. It may not matter all that much.
By Aaron Blake, Washington Post Blog – Aug. 1, 2014

Medicare will take bigger bite out of older Americans' Social Security checks, report shows
By James T. Mulder, Syracuse.Com

New Poll Shows That Medicare Part D Is Getting The Job Done For Seniors
Forbes – Aug. 1, 2014

Congress provides highway funds just in time, but it's a short-term fix
By Kent Hoover, Memphis Business Journal – Aug. 1, 2014

Congress recklessly refuses to top up the Highway Trust Fund
By Editorial Board, Washington Post – July 30, 2014

How Obamacare Encourages Some Millennials To Become Uninsured
By Chris Conover, Forbes – July 31, 2014

Would boosting the eligibility age for Medicare save it from ‘bankruptcy’?
By Glenn Kessler, Washington Post Blog – July 29, 2014

Medicare drug premiums to rise for 2nd year
By Associated Press – July 31, 2014

Pensions deliver $943 billion economic punch
By Marlene Satter, LifeHealthPro.Com – July 31, 2014

Boomers aren't to blame: social security and Medicare suffer due to low wages
By Jana Kasperkevic, The Guardian – July 29, 2014

The $400,000 Social Security Mistake
By Ashlea Ebeling, Forbes – July 29- 2014

Retirees Are Satisfied With Less Income
By Paul Katzeff, Investors Business Daily – July 30, 2014

House approves lawsuit against Obama over alleged abuse of executive power
FoxNew.Com – July 30, 2014

Congress recklessly refuses to top up the Highway Trust Fund
By Editorial Board, Washington Post – July 30, 2014

Senate passes highway funding bill, sends it back to House
By Joan Lowy, Associated Press – July 30, 2014

Senate Approves $8 Billion Plan for Highway Trust Fund
By Laura Litvan, Bloomberg News – July 29, 2014

Lawmakers employ gimmicks to pay for highway funds
Associated Press – July 29, 2014

Court throws out an Obamacare tax law challenge
By Brett Norman; Politico ~ Jul 29, 2014

Medicare isn’t going broke, but don’t celebrate just yet
By Jason Millman; The Washington Post ~ Jul 29, 2014

Survey Finds 1 In 5 Uninsured Don’t Want Coverage
By Phil Galewitz; Kaiser Health News ~ Jul 29, 2014

What happens if Congress does nothing on Social Security
By Robert Schroeder; MarketWatch ~ Jul 29, 2014

States Rush To Get Ahead Of SCOTUS Ruling Against Obamacare Subsidies
By Dylan Scott; Talking Points Memo ~ Jul 28, 2014

Drugs to increase 'good' cholesterol may not cut deaths
By Andrew M. Seaman; Reuters ~ Jul 28, 2014

Medicare, Social Security Disability Fund Headed in Different Directions
By Damian Paletta; The Wall Street Journal ~ Jul 28, 2014

The medical bills that hit retirees hardest
By Glenn Ruffenach; MarketWatch ~ Jul 28, 2014

Companies sell off their pensions, and retirees pay
From Joyce Migdall; The Washington Post ~ Jul 28, 2014

The Daily Show Host Ridicules Pension Smoothing for Highway Funding
Jon Stewart, The Daily Show – July 16, 2014

Obamacare: The Bait-And-Switch Double Whammy
By Chris Conover; Forbes ~ Jul 27, 2014

Plan to simplify 2015 health renewals may backfire
By Ricardo Alonso-Zaldivar; The Associated Press ~ Jul 27, 2014

Free Online Tools for Optimizing Social Security Benefits
By Anne Tergesen; The Wall Street Journal ~ Jul 26, 2014

Watch out for IRS impersonation scams
By Anthony Giorgianni; Fox Business ~ Jul 24, 2014

Only Supposed To Go To State Exchanges
By Sarah Hurtubise; The Daily Caller ~ Jul 25, 2014

For Consumers, Some Pitfalls In Obamacare Coverage Could Lie Ahead
From KHN Daily News; Kaiser Health News ~ Jul 25, 2014

Varying health premium subsidies worry consumers
By Kelli Kennedy; The Associated Press ~ Jul 25, 2014

A Reader Asks: How Can I Get Health Coverage For My Grandchildren?
By Michelle Andrews; Kaiser Health News ~ Jul 25, 2014

Addressing Caregivers’ Loss of Retirement Income
By Paula Span; The New York Times ~ Jul 25, 2014

How To Optimize Your Retirement Accounts: A Case Study
By Erik Carter; Forbes ~ Jul 25, 2014

U.S. health insurers to pay $330 million in premium rebates
By Caroline Humer; Reuters ~ Jul 24, 2014

IRS: Uninsured face fine of nearly $2,500
By Ferdous Al-Faruque; The Hill ~ Jul 24, 2014

The new generation gap is all about money
By Richard Eisenberg; MarketWatch ~ Jul 24, 2014

Social Security's $300M IT project doesn't work
From The Associated Press ~ Jul 24, 2014

No Panic as Obamacare Subsidies Seem Safe for Future
By Alex Wayne; Bloomberg ~ Jul 23, 2014

Obamacare Subsidy Loss May Boost Premiums, Chase Insurers
By Alex Wayne; Bloomberg ~ Jul 23, 2014

Twice As Many Americans Say Obamacare’s Hurting Them As Say It’s Helping
By Sarah Hurtubise; The Daily Caller ~ Jul 23, 2014

Senate Sets Vote for Highway Funds as Clock Ticks
By Siobhan Hughes, Wall Street Journal – July 23, 2014

U.S. Poised to Label MetLife a Potential Threat to the Financial System
By Ian Katz and Robert Schmidt, Reuters – July 22, 2014

Why more companies want pensions off their books
By Michael Fletcher, Washington Post – July 21, 2014

Judge orders PBGC to turn over documents in Delphi pension suit
By David Shepardson; The Detroit News ~ Jul 22, 2014

Democrats still haven't learned Obamacare lesson
By David Nather & Jennifer Haberkorn; Politico ~ Jul 22, 2014

Has Obama Created A New Star Chamber By Rewriting The Law?
By Daniel Fisher; Forbes ~ Jul 22, 2014

Undercover probe finds health law failings
From The Associated Press ~ Jul 22, 2014

White House To Ignore Court Ruling, Keep Handing Out Obamacare Subsidies
By Sarah Hurtubise; The Daily Caller ~ Jul 22, 2014

U.S. court rulings create new uncertainty over Obamacare
By David Morgan & Aruna Viswanatha; Reuters ~ Jul 22, 2014

IRA Rules: What to Do with Inherited Funds
By Gail Buckner; Fox Business ~ Jul 21, 2014

Moody’s: Highway bill pension changes could mean $51 billion less in contributions
By Hazel Bradford; Pensions & Investments ~ Jul 21, 2014

For Medicare, Good News For Future, Changes In Hospice Rules
From KHN Daily News; Kaiser Health News ~ Jul 21, 2014

Taxpayers Who Bought Health Insurance Through The Marketplace May Need A Checkup
By Kelly Phillips Erb; Forbes ~ Jul 20, 2014

Some seniors win Medicare exemptions for nursing-home coverage in pilot program
By Susan Jaffe; The Washington Post ~ Jul 20, 2014

Before doctors check your vitals, check out theirs
By Lauran Neergaard & Jennifer Agiesta; The Associated Press ~ Jul 20, 2014

To Prevent Surprise Bills, New Health Law Rules Could Widen Insurer Networks
By Robert Pear; The New York Times ~ Jul 19, 2014

10 things retirement communities won’t tell you
By Elizabeth O'Brien; MarketWatch ~ Jul 19, 2014

Medication errors may be common after hospital discharge
By Krystnell Storr; Reuters ~ Jul 18, 2014

New challenge for Obamacare: Enrollees who don’t understand their insurance plans
By Lena H. Sun; The Washington Post ~ Jul 16, 2014

Adult Children and their Parents Aren't Talking About Money...and That's Bad
By Donna Fuscaldo; Fox Business ~ Jul 17, 2014

Social Security: Field offices to verify benefits
By Stephen Ohlemacher; The Associated Press ~ Jul 17, 2014

Harry Reid Lays Groundwork For Quick Highway Trust Fund Passage
By Sam Stein, The Huffington Post – July 16, 2014

CBO: Slowing health-care costs yield big savings, but not enough to bring down our big debt
By Lori Montgomery; The Washington Post ~ Jul 15, 2014

Study Finds No Sign That Health Law Has Created Crush Of Medical Demand
From KHN Daily News; Kaiser Health News ~ Jul 16, 2014

Government Spending on Healthcare Projected to Rapidly Increase
By Alyene Senger; The Daily Signal ~ Jul 16, 2014

Yes, there is a retirement savings shortfall
By Alicia H. Munnell; MarketWatch ~ Jul 16, 2014

House passes stop-gap bill to fund transportation through May
By Ashley Halsey III and Juliet Eilperin, Washington Post – July 15, 2014

Survey: More Than 10 Million People Received Help From 'Assisters'
From KHN Daily News; Kaiser Health News ~ Jul 15, 2014

Nurses could manage chronic care on doctors’ orders
By Shereen Lehman; Reuters ~ Jul 15, 2014

What should be in your 'death' file
By Beth Pinsker; Reuters ~ Jul 15, 2014

Some Doctors Refuse To See Obamacare Enrollees
From KHN Daily News; Kaiser Health News ~ Jul 14, 2014

Pension Advances Spell Trouble
By John Wasik; Forbes ~ Jul 14, 2014

The Deadline for Your First Required IRA Distribution
By Tom Herman; The Wall Street Journal ~ Jul 13, 2014

Are you making bad choices with your money?
By Lambeth Hochwald; MarketWatch ~ Jul 13, 2014

Social Security Q&A July 12, 2014: What Social Security's Survivors Planner Won't Tell You About Taking Widows Benefits
By Laurence Kotlikoff; Forbes ~ Jul 12, 2014

This Road Work Made Possible by Underfunding Pensions
By Josh Barro; The New York Times ~ Jul 12, 2014

Watch out for these 3 retirement traps
By Carla Rohlfing Levy; MarketWatch ~ Jul 12, 2014

Boehner's Lawsuit To Target Employer Mandate Delay
From KHN Daily News; Kaiser Health News ~ Jul 11, 2014

Head of US pension agency resigning
By Marcy Gordon; The Associated Press ~ Jul 11, 2014

A New Option In Your Retirement Account: Longevity Insurance
By Erik Carter; Forbes ~ Jul 11, 2014

Court decision looms in subsidy challenge that could unravel ObamaCare
By Barnini Chakraborty; Fox News ~ Jul 10, 2014

New form of U.S. healthcare saves money, improves quality, one insurer finds
By Sharon Begley; Reuters ~ Jul 10, 2014

Older Americans Like Obamacare Plans The Least
By Sarah Hurtubise; The Daily Caller ~ Jul 10, 2014

'Pension Smoothing' Is A Sham
By Len Burman; Forbes ~ Jul 10, 2014

How a parent’s health-care bills could hurt you
By Elizabeth O'Brien; MarketWatch ~ Jul 10, 2014

More Americans are aging in place. Can towns and cities adapt?
By Mark Miller; Reuters ~ Jul 10, 2014

The New 401(k) Income Option That Kicks In When You’re Old
By Linda Stern, Reuters – July 1, 2014

Opinion: 3 Smart Fixes for Social Security and Medicare
By Phillp Moeller, Time.Com – July 9, 2014

One Bold Democrat Has a Crazy Plan to Expand Social Security
By Tess VandenDolder, InTheCapital – July 10, 2014

Judge to mull senator's suit over health exchanges
By Todd Richmond; The Associated Press ~ Jul 06, 2014

Democrats Abandoning Obamacare's Employer Mandate
By Sandy Fitzgerald; Newsmax ~ Jul 06, 2014

The Health Care Waiting Game
By Elisabeth Rosenthal; The New York Times ~ Jul 05, 2014

The Latest In Medical Convenience: ER Appointments
By Anna Gorman & Victoria Colliver; Kaiser Health News ~ Jul 03, 2014

Supreme Court ruling revives ObamaCare backlash
By Jim Angle; Fox News ~ Jul 04, 2014

New Rules To Help Avoid Outliving Your Money
By Richard Eisenberg; Forbes ~ Jul 03, 2014

Medicare Announces 2015 Fee Schedule
By Joyce Frieden; MedPage Today ~ Jul 03, 2014

Hospitals to Get 2.1% Pay Boost on Medicare Outpatients
By Alex Wayne; Bloomberg ~ Jul 03, 2014

Hospitals Are Mining Patients' Credit Card Data to Predict Who Will Get Sick
By Shannon Pettypiece & Jordan Robertson; Bloomberg Businessweek ~ Jul 03, 2014

Should you negotiate your copays?
By Quentin Fottrell; MarketWatch ~ Jul 02, 2014

CMS proposes changes to reduce Medicare home payment
By Ferdous Al-Faruque, The Hill – July 1, 2014

A Modest Step To Improve Medicare Post-Acute Care
By Howard Gleckman, Forbes – July 2, 2014

Opinion: Congress is* in session
By Dana Milbank, Washington Post – July 1, 2014

Health-care exchanges are not properly ensuring applicants’ eligibility, probe finds
By Amy Goldstein; The Washington Post ~ Jul 01, 2014

Report: Health law sign-ups dogged by data flaws
By Ricardo Alonso-Zaldivar; The Associated Press ~ Jul 01, 2014

Proposal To Add Skimpier ‘Copper’ Plans To Marketplace Raises Concerns
By Michelle Andrews; Kaiser Health News ~ Jul 01, 2014


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