NRLN FUTURE DIRECTIONS SURVEY -2014
 

(Questions carrying identifying information have been removed.)

 
2. I am a: (check all that apply)
 answered question5,907
 
skipped question
247
 Response
Percent
Response
Count
Salaried Retiree (Supervisory, Non-Supervisory, and/or Technical-Professional
82.0%4,842
Formerly Union Represented Retiree (CWA, IBEW, UAW, etc.)
14.2%840
Vested Former Employee with future pension
5.6%333
Spouse of a retiree
1.6%94
Surviving Spouse of a deceased retiree
1.4%84
Current employee of (please specify employer)
 
1.5%89
3. I have been retired:
 answered question5,907
 
skipped question
247
 Response
Percent
Response
Count
Less than 1 year
0.8%45
1 year, but less than 5 years
4.4%261
5 years, but less than 10 years
18.0%1,062
10 years, but less than 20 years
48.5%2,865
20 years or more
26.8%1,583
Not yet retired
1.5%91
4. My age is:
 answered question5,907
 
skipped question
247
 Response
Percent
Response
Count
70 1/2 or older
55.1%3,255
65 to 70
28.2%1,668
55 to 64
16.1%952
50 to 54
0.3%19
Younger than 50
0.2%13
5. I am...
 answered question5,907
 
skipped question
247
 Response
Percent
Response
Count
an NRLN Individual Member (annual contributor)
38.3%2,265
not an NRLN Individual Member (not an annual contributor)
12.7%749
affiliated with the NRLN through my Retiree Association or Chapter (annual contributor)
23.9%1,414
affiliated with the NRLN through my Retiree Association or Chapter (not an annual contributor)
14.5%858
I don’t know
13.4%792
7. If you receive Social Security, what percent of your total annual gross income is from Social Security. After selecting one of the four % choices or “Don’t Know”, then please also check the last choice if it applies to you.
 answered question5,744
 
skipped question
410
 Response
Percent
Response
Count
I don't receive Social Security
11.1%639
75% to 100%
3.8%220
50% to 74%
20.3%1,168
25% to 49%
42.4%2,438
1% to 24%
14.9%854
Don't Know
4.5%260
I couldn't make it financially if my Social Security payment was reduced.
19.6%1,123
8. I retired with a: (check all that apply)
 answered question5,753
 
skipped question
401
 Response
Percent
Response
Count
Defined Benefit Pension
76.6%4,405
Cash Balance Pension
1.7%99
Lump Sum Payment
14.3%821
My Pension Plan benefit is now an annuity paid by Prudential or another insurance company
13.4%770
A 401k Savings Plan
29.0%1,667
An IRA or Other Retirement Savings Plan
21.7%1,251
I don't know
2.2%124
Other (please specify)
 
3.4%196
9. I believe my former employer will: (please respond to all 10 items)
 answered question4,371
 
skipped question
1,783
 Strongly AgreeAgreeNo OpinionDisagreeStrongly DisagreeRating
Count
properly fund my pension in the future10.9% (469)46.5% (1,995)17.1% (735)17.6% (754)7.9% (341)4,294
try to avoid properly funding my pension11.0% (460)25.5% (1,062)25.3% (1,055)29.8% (1,244)8.3% (348)4,169
try to get Federal Government (PBGC) takeover9.6% (397)18.7% (775)38.6% (1,598)25.6% (1,061)7.4% (306)4,137
freeze pension accruals for active employees22.3% (920)31.5% (1,299)39.7% (1,637)4.5% (186)2.1% (86)4,128
force active employees onto a cash balance plan18.3% (753)29.0% (1,193)46.2% (1,903)4.6% (189)1.9% (78)4,116
use my pension fund to pay non-pension expenses14.9% (618)28.6% (1,189)31.6% (1,313)19.6% (816)5.3% (219)4,155
use pension funds to pay separation and layoff bonuses14.9% (616)29.0% (1,196)33.6% (1,385)17.5% (720)5.1% (209)4,126
disclose all pension plan information requested by me6.7% (276)30.0% (1,242)38.4% (1,592)19.2% (794)5.7% (237)4,141
disclose only the pension information required by law18.1% (752)52.4% (2,171)20.4% (845)7.0% (291)2.1% (88)4,147
has (or will) convert my pension to an annuity from an insurance company10.3% (429)18.2% (756)48.9% (2,031)18.0% (747)4.7% (194)4,157
10. The NRLN's highest priority has been...
 answered question4,367
 
skipped question
1,787
 Strongly AgreeAgreeNo OpinionDisagreeStrongly DisagreeRating
Count
assuring that companies are able to pay pensions as promised by getting strong pension laws passed49.9% (2,181)43.1% (1,883)6.2% (269)0.5% (24)0.2% (10)4,367
11. My 2014 healthcare insurance is from:
 answered question5,614
 
skipped question
540
 Response
Percent
Response
Count
Medicare & Former Employer’s plan
25.6%1,436
Medicare & Outside plan
33.0%1,850
Medicare & Former Employer’s plan & Outside plan
3.8%211
Only Former Employer’s plan
10.2%572
Former Employer's Plan is a Medicare Advantage Plan
8.1%456
Only Outside plan
3.4%192
My Outside Plan is a Medicare Advantage Plan
9.6%541
My Spouse’s Health Care Plan
4.1%231
Medicare only
2.0%110
Do not have health care insurance
0.3%15
12. If you are a Medicare participant, do you have a Medigap supplemental (such as UnitedHealthCare, Blue Cross & Blue Shield, Mutual of Omaha, etc.)?
 answered question3,568
 
skipped question
2,586
 Response
Percent
Response
Count
YES
75.3%2,685
NO
24.7%883
13. Have you ever spent three days or more in a hospital but then were denied rehabilitation treatment by Medicare in a skilled nursing facility because some hospital inpatient days had been classified as “observation” days?
 answered question3,591
 
skipped question
2,563
 Response
Percent
Response
Count
YES
0.6%22
NO
99.4%3,569
14. If you are Medicare eligible and are on a Medicare Advantage plan
 answered question964
 
skipped question
5,190
 YESNORating
Count
have you ever wanted to change your plan back to Medicare and a Medigap plan but were told you were not eligible for a Medigap supplemental plan because you have a pre-existing medical condition (such as diabetes, cancer, heart disease, taking new medications, etc.)?3.5% (34)96.5% (929)963
I was told I had to meet pre-existing conditions or I would not be accepted3.5% (26)96.5% (712)738
I was told I had to meet pre-existing conditions or pay higher premiums3.4% (25)96.6% (708)733
15. . If you are Medicare Advantage plan participant have you ever wanted to change your plan to another Medicare Advantage plan
 answered question958
 
skipped question
5,196
 YESNORating
Count
have you ever wanted to change your plan to another Medicare Advantage plan and were told you were not eligible because you have a pre-existing medical condition (such as diabetes, cancer, heart disease, taking new medications, etc.)?3.2% (31)96.8% (927)958
I was told I had to meet preexisting conditions or I would not be accepted1.5% (11)98.5% (718)729
I was told I had to meet preexisting conditions or pay higher premiums1.8% (13)98.2% (715)728
16. I'm enrolled in: (check all that apply)
 answered question5,148
 
skipped question
1,006
 Response
Percent
Response
Count
My Former Employer’s Prescription Drug plan
35.5%1,827
Medicare Prescription Drug plan (Medicare Part D)
31.2%1,608
Medicare Prescription Drug plan that covers Part D "Doughnut Hole"
3.6%185
An Outside Medicare D Prescription Drug Plan that is part of a Medicare Advantage Plan
19.6%1,011
An Outside Non-Medicare Prescription Drug plan
13.5%697
Not enrolled in a Prescription Drug plan
3.6%184
My Former Employer Cancelled My Prescription Drug plan
7.0%360
17. My former employer provides the following insurance... (check all that apply)
 answered question4,981
 
skipped question
1,173
 YesNoCancelledRating
Count
Health Care49.7% (2,270)30.7% (1,403)19.6% (896)4,569
Coverage Supplemental to Medicare44.2% (1,895)39.7% (1,703)16.0% (687)4,285
Dental49.5% (2,334)32.5% (1,534)18.0% (850)4,718
Vision23.4% (974)57.5% (2,387)19.1% (793)4,154
Hearing12.9% (501)69.8% (2,715)17.3% (675)3,891
Extended Care11.5% (415)72.7% (2,612)15.8% (567)3,594
Other (please specify)
 
421
18. My former employer's health care plan for retirees includes Catastrophic Coverage (out-of-pocket limit)
 answered question5,130
 
skipped question
1,024
 Response
Percent
Response
Count
Yes
26.6%1,366
No
15.8%811
Doesn't provide health care
15.1%777
Cancelled
10.5%538
Don't Know
31.9%1,638
19. How much is your total health care/dental/drugs monthly insurance premium for you and your spouse/dependent, including the Medicare premium for part B (currently $104.90 per person monthly for most beneficiaries) which is deducted from your Social Security income:
 answered question5,157
 
skipped question
997
 $0 to $100$101 to $300$301 to $500$501 to $800More than $800I don't knowI do not wish to respondRating
Count
Single11.4% (218)46.8% (896)17.1% (327)7.0% (135)3.4% (66)9.4% (181)4.9% (93)1,916
Married (spouse,dependents)8.0% (290)32.3% (1,171)23.2% (839)18.8% (681)8.4% (304)6.0% (216)3.3% (120)3,621
20. Based on the montly cost identified in the last question, what percent of your family’s total monthly after tax income goes to pay health care insurance premiums: (Responses to this question will help the NRLN communicate to Congress just how much of a bite out of retirees’ income, as a group, is being taken by health care insurance costs.)
 answered question5,146
 
skipped question
1,008
 Response
Percent
Response
Count
0 to 10%
36.5%1,880
11% to 15%
22.3%1,147
16% to 20%
12.8%658
21% to 25%
6.9%354
over 25%
4.7%243
I don't know
11.7%603
I do not wish to respond
5.1%261
21. Please rank order the Health Care cost factors, including premium costs that affect your annual budget, on a 1-5 scale with 1 being the highest cost. (requires 5 responses)
 answered question4,802
 
skipped question
1,352
 HIGHEST2ND HIGHEST3RD HIGHEST4TH HIGHESTLOWESTRating
Average
Rating
Count
Premium Costs43.4% (2,025)13.4% (625)11.7% (545)10.7% (500)20.8% (971)3.484,666
The deductible I pay before coverage kicks in.14.5% (661)26.2% (1,193)18.9% (864)17.4% (796)23.0% (1,048)2.924,562
The copay I pay the Hospitals, Doctors or Rx Drug providers every time I have a claim.10.4% (474)19.6% (896)28.6% (1,311)19.6% (896)21.9% (1,001)2.774,578
The co-insurance I pay – the amount I am liable for after premium, deductible, copay and insurance payments.7.5% (343)16.6% (755)23.7% (1,080)29.6% (1,350)22.5% (1,026)2.574,554
The total cost I pay when my insurance simply does not cover or pay anything for treatment.17.9% (811)12.4% (564)14.0% (635)16.0% (727)39.6% (1,796)2.534,533
22. Based upon what you know, from what you hear, see and have experienced, please rank order from HIGHEST TO 4TH HIGHEST, which health care annual cost increases you believe are out of control (least rational). (requires 4 responses)
 answered question4,956
 
skipped question
1,198
 HIGHEST2ND HIGHEST3RD HIGHEST4TH HIGHESTRating
Average
Rating
Count
Insurance company Premium Costs32.5% (1,583)26.3% (1,280)21.4% (1,041)19.9% (968)2.714,872
Hospital service and Materials Costs53.5% (2,623)26.8% (1,315)14.2% (695)5.5% (270)3.284,903
Physician’s Fees10.8% (527)23.5% (1,146)31.1% (1,514)34.5% (1,680)2.114,867
Prescription Drug Costs26.7% (1,305)25.1% (1,227)23.6% (1,151)24.6% (1,202)2.544,885
23. If your former employer provides health care insurance, do you believe that in the future your former employer will:
 answered question3,974
 
skipped question
2,180
 Strongly AgreeAgreeNo OpinionDisagreeStrongly DisagreeRating
Count
offer insurance and pay for my cost including inflation3.5% (131)10.7% (407)23.6% (894)27.2% (1,031)35.0% (1,329)3,792
offer insurance but with annual cap on company subsidies12.3% (459)33.8% (1,262)31.6% (1,181)9.4% (350)12.9% (481)3,733
offer insurance with all annual cost increases paid by me19.6% (731)31.8% (1,186)29.9% (1,115)8.6% (320)10.0% (374)3,726
make insurance available but I will pay 100% of the cost14.7% (545)17.4% (648)36.7% (1,365)19.0% (708)12.2% (454)3,720
discontinue paying and offering health care insurance20.8% (785)19.7% (745)33.1% (1,251)16.7% (632)9.7% (365)3,778
24. I have a life insurance benefit from…(check all that apply)
 answered question5,173
 
skipped question
981
 Response
Percent
Response
Count
my former employer
44.9%2,324
my former employer has reduced this benefit
29.2%1,513
my former employer has eliminated this benefit
15.4%796
my former employer never provided this benefit
0.5%28
I pay for some or all of my life insurance benefit from my former employer.
11.4%591
I purchase my own life insurance from another source.
36.4%1,881
I don't have life insurance.
15.6%805
I don't know.
1.4%70
25. I believe the NRLN...
 answered question4,963
 
skipped question
1,191
 Strongly AgreeAgreeNo OpinionDisagreeStrongly DisagreeRating
Count
has been beneficial to retirees53.9% (2,656)37.3% (1,840)7.8% (384)0.8% (38)0.2% (10)4,928
should continue to exist62.8% (3,069)32.2% (1,574)4.6% (226)0.2% (9)0.2% (10)4,888
will receive my support as a dues-paying member39.3% (1,894)28.6% (1,376)28.3% (1,361)2.8% (136)1.0% (47)4,814
26. Have you read the NRLN’s 2014 Legislative Agenda on www.nrln.org ?
 answered question4,858
 
skipped question
1,296
 Response
Percent
Response
Count
Yes, I have read the NRLN’s Legislative Agenda
51.3%2,491
No, I have not read the NRLN’s Legislative Agenda
48.7%2,367
27. I believe… (requires 7 responses)
 answered question4,892
 
skipped question
1,262
 Strongly AgreeAgreeNo OpinionDisagreeStrongly DisagreeRating
Count
NRLN should advocate legislation that stops corporations from taking pension assets to use for non-pension expenses.85.8% (4,185)12.5% (609)1.6% (78)0.1% (3)0.1% (4)4,879
NRLN should advocate that the Pension Benefits Guaranty Corporation be required to ensure equitable calculations of benefit payments72.5% (3,511)22.3% (1,080)5.0% (244)0.1% (6)0.1% (5)4,846
NRLN should advocate bankruptcy reform that place retirees' pensions and benefits on a list of obligations that companies can’t shed81.1% (3,941)15.1% (735)2.9% (139)0.7% (32)0.3% (14)4,861
NRLN should advocate legislation or regulations protecting retirees in “de-risking” situations when a pension plan sponsor converts a pension plan to an annuity66.6% (3,228)23.7% (1,149)8.9% (432)0.7% (32)0.1% (7)4,848
NRLN should advocate legislation or regulations to expand disclosures in the Annual Funding Notices (AFNs) that pension plan participants receive by the end of April each year to include funding data that best describes my personal risk.57.1% (2,758)30.8% (1,490)11.5% (555)0.4% (21)0.1% (7)4,831
NRLN should advocate legislation that protects retirees pensions and benefits in corporate mergers, acquisitions and spin-offs.82.2% (3,983)15.4% (748)2.1% (104)0.1% (6)0.0% (2)4,843
NRLN should advocate protection of Social Security by a small increase in the payroll tax rate and increasing the cap on maximum wages taxed62.6% (3,024)23.0% (1,111)9.9% (477)3.2% (157)1.3% (65)4,834
28. I believe..... (requires 9 responses)
 answered question4,831
 
skipped question
1,323
 Strongly AgreeAgreeNo OpinionDisagreeStrongly DisagreeRating
Count
NRLN should advocate legislation to force corporations to pay retiree health care Maintenance of Cost Protection when benefits are reduced or eliminated46.4% (2,213)31.3% (1,493)19.0% (906)3.1% (146)0.3% (14)4,772
It is unrealistic for the NRLN to advocate legislation to force companies to retroactively restore benefits already eroded or eliminated11.6% (555)34.3% (1,641)22.3% (1,066)20.8% (994)11.1% (530)4,786
NRLN should advocate legislation to legalize the importation of safe and cheaper prescription drugs54.4% (2,611)33.3% (1,597)8.9% (426)2.9% (140)0.6% (28)4,802
NRLN should advocate legislation to require Medicare to take competitive bids for prescription drugs60.4% (2,896)29.6% (1,418)9.0% (431)0.9% (44)0.2% (9)4,798
NRLN should advocate legislation to accelerate bringing generic drugs to market57.7% (2,770)30.7% (1,473)8.7% (420)2.4% (117)0.5% (24)4,804
NRLN should advocate legislation that prevents drug companies from colluding to control pricing or subvert free markets.75.0% (3,594)19.4% (931)4.8% (229)0.6% (29)0.2% (8)4,791
NRLN should advocate legislation to protect Medicare by increasing the payroll tax until the taxes fund 60-65% of the Medicare budget37.8% (1,811)31.4% (1,504)23.9% (1,145)5.6% (266)1.3% (62)4,788
NRLN should do more to advocate for legislation that would increase competition to lower retiree’s cost of all health care services and products.53.8% (2,580)35.2% (1,687)9.9% (474)0.9% (43)0.2% (8)4,792
Many American retirees age 65 and older who are Medicare eligible are held hostage to higher costs for their Medicare supplement (Medigap) plans or their Medicare Advantage plan because of a pre-existing medical condition. NRLN should advocate legislation to end this discriminatory practice55.1% (2,646)29.2% (1,403)13.3% (638)1.9% (89)0.5% (23)4,799
29. I access the NRLN website:
 answered question4,836
 
skipped question
1,318
 Response
Percent
Response
Count
More than once a week
1.0%50
At least once a week
3.9%189
A few times a month
12.2%592
Only after an email prompt
53.6%2,590
Seldom
20.4%985
Never
8.9%430
30. Social networking on the Internet: (check all that apply)
 answered question4,803
 
skipped question
1,351
 YESNONO OPINIONRating
Count
I use Facebook37.4% (1,772)60.1% (2,847)2.5% (117)4,736
I have visited the NRLN Facebook page8.1% (378)89.6% (4,169)2.3% (108)4,655
I have “Liked” the NRLN Facebook page3.8% (178)79.9% (3,695)16.2% (751)4,624
I have received Twitter messages from @NRLN30.4% (18)95.9% (4,447)3.7% (172)4,637
I have received Twitter messages from @NRLNupdate0.8% (35)95.7% (4,415)3.6% (164)4,614
I have viewed NRLN videos on the NRLN website at www.nrln.org23.6% (1,104)73.2% (3,423)3.2% (151)4,678
I have viewed NRLN videos on YouTube at www.nrln.org7.3% (338)89.5% (4,121)3.2% (146)4,605
31. When the NRLN sends out an email or Action Alert, I:
 answered question4,808
 
skipped question
1,346
 Response
Percent
Response
Count
Usually read it and take the action requested
57.4%2,762
Usually read it but do not take any action
13.7%661
Sometimes read it and take action
24.8%1,192
Seldom read it and take action
3.0%142
Ignore the Action Alerts
1.1%51
32. I think the NRLN sends: (Check all that apply)
 answered question4,415
 
skipped question
1,739
 Response
Percent
Response
Count
Too many email messages asking for my grassroots lobbying help
11.2%496
Too few email messages asking for my grassroots lobbying help
2.9%129
Too few email messages that contain information about what I feel I need to know
9.6%423
Messages that are too long
17.1%754
Messages that are hard to understand
13.8%611
Informative messages - I look forward to reading them and sending messages to Congress
67.0%2,956
33. The NRLN Grassroots Network is our most important tool to influence Congress on legislation. NRLN grassroots leaders who live in a state and congressional district are at times called on to send letters and make contact with their U.S. Senators and Representative. Our belief is that the most important effort comes from people in the home states where elected officials live and have to be reelected. To help the NRLN pass its Legislative Agenda, I’m willing to serve as:
 answered question544
 
skipped question
5,610
 Response
Percent
Response
Count
a State Grassroots Network Leader
11.8%64
a Congressional District Grassroots Network Leader
12.9%70
Legal/Legislative Research
9.6%52
Public Relations Functions
11.2%61
Phone Calling
22.6%123
Website Management
5.9%32
Social Networking (Facebook & Twitter) Skills
10.7%58
I am willing to volunteer for other tasks that would not take a great deal of my time (please specify)
 
43.2%235

Suggestions and comments about this website should be addressed to webmaster@nrln.org Last updMay 25, 2014->->->