NRLN FUTURE DIRECTIONS SURVEY -2013

(Questions carrying identifying information have been removed.)

2. I am a: (check all that apply)
 answered question8,779
 
skipped question
623
 Response
Percent
Response
Count
Salaried Retiree (Supervisory, Non-Supervisory, and/or Technical-Professional
81.0%7,109
Formerly Union Represented Retiree (CWA, IBEW, UAW, etc.)
14.6%1,278
Vested Former Employee with future pension
5.9%522
Spouse of a retiree
2.1%187
Surviving Spouse of a deceased retiree
1.4%120
Current employee of (please specify employer)
 
1.4%124
3. I have been retired:
 answered question8,779
 
skipped question
623
 Response
Percent
Response
Count
Less than 1 year
1.0%84
1 year, but less than 5 years
9.1%795
5 years, but less than 10 years
16.3%1,432
10 years, but less than 20 years
46.2%4,057
20 years or more
25.8%2,268
Not yet retired
1.6%143
4. My age is:
 answered question8,779
 
skipped question
623
 Response
Percent
Response
Count
70 1/2 or older
51.1%4,482
65 to 70
28.7%2,523
55 to 64
19.4%1,702
50 to 54
0.5%48
Younger than 50
0.3%24
5. I am...
 answered question8,779
 
skipped question
623
 Response
Percent
Response
Count
an NRLN Individual Member (annual contributor)
36.7%3,226
not an NRLN Individual Member (not an annual contributor)
13.1%1,154
affiliated with the NRLN through my Retiree Association or Chapter (annual contributor)
24.2%2,127
affiliated with the NRLN through my Retiree Association or Chapter (not an annual contributor)
14.3%1,256
I don’t know
14.6%1,286
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 question8,560
 
skipped question
842
 Response
Percent
Response
Count
I don't receive Social Security
8.0%689
75% to 100%
3.5%303
50% to 74%
22.4%1,915
25% to 49%
41.9%3,589
1% to 24%
13.2%1,132
Don't Know
7.2%619
I couldn't make it financially if my Social Security payment was reduced.
20.2%1,729
8. The NRLN places a high priority on gaining federal legislation to assure that companies are able to pay pensions.
 answered question8,560
 
skipped question
842
 Response
Percent
Response
Count
Strongly Agee
75.0%6,422
Agree
19.8%1,696
No Opinion
4.4%380
Disagree
0.4%36
Strongly Disagree.
0.3%26
9. I retired with a: (check all that apply)
 answered question8,560
 
skipped question
842
 Response
Percent
Response
Count
Defined Benefit Pension
78.6%6,730
Cash Balance Pension
1.6%140
Lump Sum Payment
12.5%1,073
My Pension Plan benefit is now an annuity paid by Prudential or another insurance company
14.2%1,216
A 401k Savings Plan
27.9%2,384
An IRA or Other Retirement Savings Plan
19.1%1,631
I don't know
1.9%165
Other (please specify)
 
3.4%292
10. I believe my former employer will: (please respond to all 10 items)
 answered question5,896
 
skipped question
3,506
 Strongly AgreeAgreeNo OpinionDisagreeStrongly DisagreeRating
Count
properly fund my pension in the future8.9% (524)38.0% (2,243)20.3% (1,196)21.7% (1,282)11.0% (651)5,896
try to avoid properly funding my pension14.6% (858)28.0% (1,652)26.0% (1,533)23.8% (1,402)7.6% (451)5,896
try to get Federal Government (PBGC) takeover10.9% (645)21.2% (1,249)40.8% (2,405)20.7% (1,219)6.4% (378)5,896
freeze pension accruals for active employees20.8% (1,224)32.5% (1,918)39.6% (2,336)4.9% (291)2.2% (127)5,896
force active employees onto a cash balance plan17.1% (1,011)29.9% (1,762)45.3% (2,672)5.5% (324)2.2% (127)5,896
use my pension fund to pay non-pension expenses17.5% (1,030)30.2% (1,779)30.5% (1,796)16.8% (988)5.1% (303)5,896
use pension funds to pay separation and layoff bonuses16.6% (979)29.2% (1,722)34.4% (2,029)14.8% (871)5.0% (295)5,896
disclose all pension plan information requested by me6.6% (389)26.5% (1,564)38.9% (2,293)20.8% (1,226)7.2% (424)5,896
disclose only the pension information required by law19.9% (1,171)50.3% (2,963)20.5% (1,206)6.8% (400)2.6% (156)5,896
has (or will) convert my pension to an annuity from an insurance company16.7% (984)17.9% (1,054)47.0% (2,774)14.1% (833)4.3% (251)5,896
11. My former employer provides the following insurance... (check all that apply)
 answered question7,522
 
skipped question
1,880
 YesNoCancelledRating
Count
Health Care50.3% (3,475)25.7% (1,775)24.0% (1,658)6,908
Coverage Supplemental to Medicare49.1% (3,314)32.8% (2,211)18.1% (1,223)6,748
Dental47.0% (3,314)31.1% (2,194)21.8% (1,537)7,045
Vision21.3% (1,354)56.0% (3,564)22.7% (1,443)6,361
Hearing11.4% (680)68.3% (4,072)20.3% (1,212)5,964
Extended Care9.9% (545)73.2% (4,033)16.9% (934)5,512
Other (please specify)
 
655
12. My 2013 healthcare insurance is from:
 answered question7,522
 
skipped question
1,880
 Response
Percent
Response
Count
Medicare & Former Employer’s plan
28.1%2,116
Medicare & Outside plan
29.4%2,212
Medicare & Former Employer’s plan & Outside plan
2.9%216
Only Former Employer’s plan
12.9%968
Only Outside plan
4.2%318
My Outside Plan is a Medicare Advantage Plan
15.9%1,198
My Spouse’s Health Care Plan
4.6%347
Medicare only
1.4%108
Do not have health care insurance
0.5%39
13. I'm enrolled in: (check all that apply)
 answered question7,522
 
skipped question
1,880
 Response
Percent
Response
Count
My Former Employer’s Prescription Drug plan
38.6%2,904
Medicare Prescription Drug plan (Medicare Part D)
28.5%2,145
Medicare Prescription Drug plan that covers Part D "Doughnut Hole"
4.6%346
An Outside Medicare D Prescription Drug Plan that is part of a Medicare Advantage Plan
18.7%1,409
An Outside Non-Medicare Prescription Drug plan
13.1%987
Not enrolled in a Prescription Drug plan
5.2%389
My Former Employer Cancelled My Prescription Drug plan
10.2%766
14. How much is your total healthcare/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 question7,522
 
skipped question
1,880
 $0 to $100$101 to $300$301 to $500$501 to $800More than $800I don't knowI do not wish to respondRating
Count
Single12.3% (336)47.9% (1,311)18.0% (493)6.4% (175)3.5% (97)8.1% (221)3.9% (106)2,739
Married (spouse,dependents)7.6% (402)33.3% (1,750)23.3% (1,225)18.2% (959)8.3% (438)5.9% (313)3.3% (176)5,263
15. Based on the montly cost identified in the last question, what percent of your family’s total monthly after tax income goes to pay healthcare 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 question7,522
 
skipped question
1,880
 Response
Percent
Response
Count
0 to 10%
34.6%2,605
11% to 15%
22.9%1,722
16% to 20%
14.1%1,057
21% to 25%
7.0%529
over 25%
5.5%414
I don't know
11.4%859
I do not wish to respond
4.5%336
16. . 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 question7,522
 
skipped question
1,880
 HIGHEST2ND HIGHEST3RD HIGHEST4TH HIGHESTLOWESTRating
Average
Rating
Count
Premium Costs44.5% (3,246)13.5% (989)12.1% (886)10.3% (754)19.5% (1,427)3.537,302
The deductible I pay before coverage kicks in.15.6% (1,113)24.5% (1,748)20.0% (1,432)17.7% (1,266)22.2% (1,588)2.937,147
The copay I pay the Hospitals, Doctors or Rx Drug providers every time I have a claim.11.4% (817)20.6% (1,483)27.9% (2,007)19.9% (1,428)20.2% (1,449)2.837,184
The co-insurance I pay – the amount I am liable for after premium, deductible, copay and insurance payments.9.7% (695)17.0% (1,211)23.6% (1,681)28.4% (2,022)21.3% (1,522)2.657,131
The total cost I pay when my insurance simply does not cover or pay anything for treatment.19.7% (1,402)13.2% (941)15.2% (1,083)16.9% (1,200)35.0% (2,492)2.667,118
17. . Based upon what you know, from what you hear, see and have experienced, please rank order from 1-4 with 1 being the highest, which health care annual cost increases you believe are out of control (least rational). (requires 4 responses)
 answered question7,522
 
skipped question
1,880
 HIGHEST2ND HIGHEST3RD HIGHEST4TH HIGHESTRating
Average
Rating
Count
Insurance company Premium Costs40.6% (3,006)25.1% (1,858)18.1% (1,343)16.2% (1,200)2.907,407
Hospital service and Materials Costs52.4% (3,900)28.3% (2,107)14.5% (1,080)4.9% (362)3.287,449
Physician’s Fees13.6% (1,009)24.1% (1,784)30.1% (2,228)32.2% (2,390)2.197,411
Prescription Drug Costs28.3% (2,109)23.8% (1,775)23.6% (1,757)24.2% (1,805)2.567,446
18. My former employer's health care plan for retirees includes Catastrophic Coverage (out-of-pocket limit)
 answered question7,522
 
skipped question
1,880
 Response
Percent
Response
Count
Yes
28.5%2,146
No
13.4%1,011
Doesn't provide health care
14.5%1,088
Cancelled
15.1%1,134
Don't Know
28.5%2,143
19. If your former employer provides health care insurance, do you believe that in the future your former employer will:
 answered question5,243
 
skipped question
4,159
 Strongly AgreeAgreeNo OpinionDisagreeStrongly DisagreeRating
Count
offer insurance and pay for my cost including inflation3.0% (151)11.3% (570)21.8% (1,098)31.2% (1,570)32.7% (1,643)5,032
offer insurance but with annual cap on company subsidies14.5% (722)35.6% (1,776)31.0% (1,549)8.9% (444)10.0% (499)4,990
offer insurance with all annual cost increases paid by me23.2% (1,154)34.0% (1,695)27.3% (1,359)8.3% (411)7.2% (361)4,980
make insurance available but I will pay 100% of the cost14.4% (712)20.3% (1,003)37.2% (1,842)18.4% (912)9.7% (481)4,950
discontinue paying and offering health care insurance19.5% (979)20.6% (1,035)35.3% (1,777)16.5% (830)8.1% (409)5,030
20. I have a life insurance benefit from…(check all that apply)
 answered question7,464
 
skipped question
1,938
 Response
Percent
Response
Count
my former employer
43.2%3,223
my former employer has reduced this benefit
30.7%2,292
my former employer has eliminated this benefit
17.2%1,284
my former employer never provided this benefit
0.6%42
I pay for some or all of my life insurance benefit from my former employer.
12.9%960
I purchase my own life insurance from another source.
35.4%2,645
I don't have life insurance.
14.9%1,109
I don't know.
1.3%97
21. I believe the NRLN...
 answered question7,428
 
skipped question
1,974
 Strongly AgreeAgreeNo OpinionDisagreeStrongly DisagreeRating
Count
has been beneficial to retirees53.9% (4,005)35.4% (2,627)9.6% (714)0.9% (66)0.2% (16)7,428
should continue to exist62.7% (4,661)31.5% (2,337)5.4% (404)0.2% (12)0.2% (14)7,428
will receive my support as a dues-paying member37.7% (2,803)25.5% (1,891)32.8% (2,433)2.9% (219)1.1% (82)7,428
22. Have you read the NRLN’s 2013 Legislative Agenda on www.nrln.org ?
 answered question7,428
 
skipped question
1,974
 Response
Percent
Response
Count
Yes
45.1%3,353
No
54.9%4,075
23. I believe… (requires 6 responses)
 answered question3,180
 
skipped question
6,222
 Strongly AgreeAgreeNo OpinionDisagreeStrongly DisagreeRating
Count
NRLN should advocate legislation that stops corporations from taking pension assets to use for non-pension expenses.90.3% (2,872)8.9% (282)0.7% (21)0.1% (3)0.1% (2)3,180
NRLN should advocate that the Pension Benefits Guaranty Corporation be required to ensure equitable calculations of benefit payments79.6% (2,530)17.4% (552)2.7% (87)0.3% (8)0.1% (3)3,180
NRLN should advocate bankruptcy reform that place retirees' pensions and benefits on a list of obligations that companies can’t shed88.0% (2,798)10.3% (329)1.2% (38)0.3% (11)0.1% (4)3,180
NRLN should advocate legislation that protects retirees pensions and benefits in corporate mergers, acquisitions and spin-offs89.5% (2,846)9.6% (306)0.8% (27)0.0% (1)0.0% (0)3,180
NRLN should investigate ways to advocate against derisking harm if my pension is someday paid by Prudential, etc.74.4% (2,366)16.5% (525)8.4% (268)0.5% (15)0.2% (6)3,180
NRLN should advocate protection of Social Security by a small increase in the payroll tax rate and increasing the cap on maximum wages taxed67.2% (2,137)22.1% (703)7.3% (231)2.4% (76)1.0% (33)3,180
24. I believe..... (requires 8 responses)
 answered question3,180
 
skipped question
6,222
 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 eliminated54.1% (1,721)29.5% (939)13.4% (427)2.6% (84)0.3% (9)3,180
It is unrealistic for the NRLN to advocate legislation to force companies to retroactively restore benefits already eroded or eliminated12.8% (407)33.8% (1,076)17.8% (567)22.2% (705)13.4% (425)3,180
NRLN should advocate legislation to legalize the importation of safe and cheaper prescription drugs58.0% (1,845)31.4% (998)7.4% (234)2.5% (78)0.8% (25)3,180
NRLN should advocate legislation to require Medicare to take competitive bids for prescription drugs65.1% (2,070)27.5% (874)6.4% (202)0.9% (29)0.2% (5)3,180
NRLN should advocate legislation to accelerate bringing generic drugs to market60.5% (1,924)28.3% (901)7.9% (251)2.9% (91)0.4% (13)3,180
NRLN should advocate legislation that prevents drug companies from colluding to control pricing or subvert free markets.78.0% (2,481)17.9% (568)3.3% (104)0.6% (20)0.2% (7)3,180
NRLN should advocate legislation to protect Medicare by increasing the payroll tax until the taxes fund 60-65% of the Medicare budget40.1% (1,274)31.2% (992)22.6% (718)4.8% (154)1.3% (42)3,180
NRLN should do more to advocate for legislation that would increase competition to lower retiree’s cost of all health care services and products.60.5% (1,924)31.0% (987)7.1% (227)1.0% (33)0.3% (9)3,180
25. I access the NRLN website:
 answered question7,099
 
skipped question
2,303
 Response
Percent
Response
Count
More than once a week
1.2%88
At least once a week
4.4%314
A few times a month
13.0%925
Only after an email prompt
51.6%3,666
Seldom
20.0%1,420
Never
9.7%686
26. Social networking on the Internet: (check all that apply)
 answered question7,099
 
skipped question
2,303
 YESNONO OPINIONRating
Count
I use Facebook33.7% (2,376)60.9% (4,294)5.4% (382)7,052
The NRLN should have a Facebook webpage14.8% (1,032)21.2% (1,485)64.0% (4,475)6,992
I receive Twitter messages4.3% (298)87.9% (6,120)7.8% (545)6,963
The NRLN should send out Twitter messages4.8% (334)31.3% (2,179)63.9% (4,443)6,956
NRLN should create Youtube-type messages and post on its website21.0% (1,469)24.4% (1,708)54.6% (3,827)7,004
27. When the NRLN sends out an email or Action Alert, I:
 answered question7,099
 
skipped question
2,303
 Response
Percent
Response
Count
Usually read it and take the action requested
58.3%4,138
Usually read it but do not take any action
12.3%875
Sometimes read it and take action
25.2%1,789
Seldom read it and take action
3.4%239
Ignore the Action Alerts
0.8%58
28. I think the NRLN sends: (Check all that apply)
 answered question7,099
 
skipped question
2,303
 Response
Percent
Response
Count
Too many email messages asking for my grassroots lobbying help
11.9%843
Too few email messages asking for my grassroots lobbying help
3.1%218
Too few email messages that contain information about what I feel I need to know
10.0%707
Messages that are too long
18.5%1,314
Messages that are hard to understand
12.7%902
Informative messages - I look forward to reading them and sending messages to Congress
65.1%4,620
29. 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 question7,099
 
skipped question
2,303
 Response
Percent
Response
Count
a State Grassroots Network Leader
1.3%94
a Congressional District Grassroots Network Leader
1.6%116
I am unable to volunteer
94.5%6,709
I am willing to volunteer for other tasks that would not take a great deal of my time (please specify)
 
3.9%280

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