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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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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

NRLN’s Advocacy and Curtis Kennedy’s Litigation

Corporations use acquisitions, mergers, spinoffs of corporate divisions and subsidiaries sometimes acquired by foreign companies in order to restructure businesses. Loss of retiree benefits can occur as a result of restructuring and usually is severe if the successor organization goes bankrupt. The NRLN is advocating to Congress and federal agencies the need for legislation and regulatory action to protect retirees in these cases.

Curtis Kennedy, a Denver attorney who has represented US West/Qwest/CenturyLink retirees in litigations, has pursued a legal remedy at the Fifth District U.S. Court of Appeals in New Orleans for 2,750 Verizon retirees who were involuntarily transferred to a spin-off company that has since gone through two bankruptcies.

We in the NRLN have been party to the formation and ongoing efforts of retiree associations and individual members faced with mergers, acquisitions, spinoffs, divestitures and bankruptcy court decisions. Starting in 2009, retirees from Delta Air Lines, Kodak, Chrysler, General Motors, Delphi, American Airlines and others have suffered through bankruptcies.

The NRLN has met with members of Congress, the Department of Labor’ (DOL) and its Employee Benefit Services Administration (EBSA) staff and Pension Benefit Guaranty Corporation (PBGC) officials on several occasions to persuade them to take legislative and regulatory action that would protect retirees. We have recommended changes for legislation, regulatory reform and stepped-up enforcement:

  1. Congress needs to clarify that the PBGC has the authority to enforce a lien against all U.S.-based assets of the parent company of a foreign-owned plan sponsor.
  2. The Department of Labor should revise its regulations related to breaches of fiduciary duty to clarify that fiduciaries under ERISA – contributing sponsors and “named fiduciaries” – must be subject to the jurisdiction of federal district courts and fiduciaries for Americans’ pension plans should be American citizens.
  3. Congress should expand the events that trigger immediate liability for pension underfunding, calculated on a termination basis, to include spin-offs, control group break-ups and takeovers by foreign firms that transfer more than 20% of a firm’s under-funded plan liabilities, or which transfer more than 20% of the plan sponsor’s assets or revenues without obligation for funding plan liabilities.
  4. The PBGC should add foreign ownership, and proposed sales or spin-offs to foreign owners, along with such transactions among U.S. corporations, to the list of transactions triggering special scrutiny.
  5. The NRLN is advocating eight bankruptcy reform proposals to protect retirees. The bottom line of the proposals is that legislation is needed so retirees’ pensions and benefits are obligations that corporations can’t eliminate in the bankruptcy process.

Please read the report below by Curtis Kennedy to U S WEST/Qwest/CenturyLink retirees. Verizon retiree plaintiffs are well represented and their attorneys in this case are moving forward with enthusiasm.

While the NRLN is not certain if legal action against Verizon will result in a favorable outcome for retirees, we are certain that if the courts do not favor retirees then laws must change or corporate decision makers never will protect pension plan participants. More information on the advocacy issues above can be accessed at www.nrln.org in the Legislative Action link.

Your NRLN association and chapter leaders will be meeting in Washington, D.C. on September 29 – October 1 with members of Congress, federal agencies, and members of a coalition we have formed on the subjects of pension plan security and the reduction of health care costs.

Bill Kadereit, President
National Retiree Legislative Network


Curtis Kennedy’s Report

The US WEST/Qwest/CenturyLink group of retirees (with the exception of the especially protected Pre-1991 Retirees and the 1992 ERO Retirees) has become accustomed to corporations legally getting away with abandoning prior promises to pay retirees lifetime health care and expected life insurance benefits. Now, the battleground is to fight against pension plan fiduciaries within a corporation who choose to serve the interests of the corporation and not look out for the best interests of retirees.

One such situation occurred when Verizon decided to spin-off a group of retirees, simply in order to enhance shareholder value. This case concerns Murphy v. Verizon, a class action fighting for the rights of 2,750 retirees who were surreptitiously and involuntarily transferred against their best interests into a spin-off company which, since the spin-off occurred, has gone through two bankruptcies. In general, the Murphy defendants' position is that all of the challenged misconduct involving the erstwhile spinoff is immune from legal attack under ERISA, i.e., the defendants contend that all of the activity concerns 'settlor conduct', none of which is either governed by or prohibited by ERISA law.

There are many novel legal issues and claims raised by the Murphy class of retirees. As noted, by Verizon's team of legal counsel at the beginning of their appellate brief, success on the part of the retirees will have far reaching implications throughout corporate America.

After countless hours of preparation, and receiving invaluable very productive guidance from my co-counsel for the retirees in the Murphy case, Attorney Bob Goodman of Dallas, Texas, I conducted the oral argument/presentation last Thursday, September 4, at the Fifth Circuit Court of Appeals in New Orleans before Judge King, Judge Higginson and Judge Graves. Judge Graves called the case, and you will hear his voice at the beginning of the tape recording.

Please click here to hear the recording.

After my initial 15 minute argument, counsel for Verizon argued for 13 minutes. Then, counsel for Idearc/SuperMedia/Dex One argued for a total of 7 minutes. Then, I was allowed to make rebuttal argument for 5 minutes.

As I expected, Judge King, the one judge on the panel having the most ERISA law experience, asked some probing questions. And, surprisingly, Judge Graves, the newest judge appointed to the court, asked a few questions.

Overall, I believe I gained solid ground at oral argument. There should be a comprehensive written decision issued by the three judge appellate panel within 3 to 4 months.

Curtis
CurtisLKennedy@aol.com
303-770-0440


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.


Members Comments on the NRLN

for recent mail from our members, click here.


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.


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.


IN THE NEWS...

"Forced switch" maneuver spurs lawsuit against drugmaker
By Jonathan Lapook , CBS News – Sept 15, 2014

CBO: Cost of Obamacare Subsidy Will Increase 8-Fold in 10 Years
By Terence P. Jeffrey; Cybercast News Service ~ Sep 15, 2014

Tens of Thousands Likely to Lose Health Insurance at End of September
By Louise Radnofsky; The Wall Street Journal ~ Sep 15, 2014

Why Pensions Went Away: A Theory
By Lauren Weber; The Wall Street Journal ~ Sep 15, 2014

Obamacare Has Failed To Collapse -- But Its Premiums Continue To Climb
By Avik Roy; Forbes ~ Sep 14, 2014

Melding health overhaul and taxes gets complicated
The Associated Press ~ Sep 14, 2014

Renewing Health Coverage May Not Be as Automatic as Government Says
By Robert Pear; The New York Times ~ Sep 14, 2014

Hurdles for Obama health law in 2nd sign-up season
By Ricardo Alonso-Zaldivar; The Associated Press ~ Sep 14, 2014

Health-Law Advocates to Tweak ACA Marketing Campaign for the Fall
By Louise Radnofsky; The Wall Street Journal ~ Sep 14, 2014

Shocker: HHS Obamacare Technology Has Yet Another Glitch
By Sarah Hurtubise; The Daily Caller ~ Sep 12, 2014

Fall Means it's Time to Hit the (Tax) Books
By Linda Stern, Reuters; Fox Business ~ Sep 12, 2014

HHS awards $300M to health centers to expand primary care services
By Sarah Ferris; The Hill ~ Sep 12, 2014

Groups Get $3.2 Million To Enroll Minorities In Obamacare
From KHN Daily News; Kaiser Health News ~ Sep 12, 2014

Americans Still Think Obamacare’s Hurting The Country
By Sarah Hurtubise; The Daily Caller ~ Sep 12, 2014

Census Bureau: Health Costs Inch Up As Obamacare Kicks In
By Jay Hancock; Kaiser Health News ~ Sep 11, 2014

ObamaCare partners give to the GOP
By Elise Viebeck; The Hill ~ Sep 11, 2014

House Passes Bill To Let People Keep Their Health Care Plans
By Sarah Hurtubise; The Daily Caller ~ Sep 11, 2014

Don’t give gifts to your heirs until you’ve answered this question
By Elizabeth O'Brien; MarketWatch ~ Sep 11, 2014

Retirement insecurity: Two studies underline housing and income challenges
By Mark Miller; Reuters ~ Sep 11, 2014

IRS, CMS on track to meet health law deadlines, officials say
By Adam Mazmanian; FCW ~ Sep 10, 2014

ERISA amendment would save sponsors millions
By Nick Thornton; BenefitsPro ~ Sep 10, 2014

Life Insurance for Seniors - Clients Can Compare Rates at Lifeinsurancedealsonline.com!
From Russell Rabichev; PR Web ~ Sep 10, 2014

Voters Don’t Like Obamacare, And Probably Never Will
By Sarah Hurtubise; The Daily Caller ~ Sep 09, 2014

OVERNIGHT HEALTH: House to vote on ‘keep your plan’ bill
By Elise Viebeck ; The Hill ~ Sep 09, 2014

ObamaCare's Circular Firing Squad
Investor’s Business Daily ~ Sep 09, 2014

Bigger IPhones Entice Seniors Seeking More Screen Area
By Brian Womack; Bloomberg ~ Sep 09, 2014

How to Choose the Right Health Insurance
By Donna Fuscaldo; Fox Business ~ Sep 09, 2014

Baby Boomer's Retirement Dilemma: How Can Everything Look So Right But Feel So Wrong?
By Robert Laura, Forbes – Sept 8, 2014

Top U.S. health adviser wants end to partisan fighting over Obamacare
By David Morgan; Reuters ~ Sep 08, 2014

Rural Enrollment Presents Continuing Health Law Challenges
By Shefali Luthra; Kaiser Health News ~ Sep 08, 2014

Why Do So Many People Have The Wrong Kind Of Health Insurance?
By John C. Goodman; Forbes ~ Sep 08, 2014

Ouch, the Bill for Obamacare Coming Due
By Peter Morici; Newsmax ~ Sep 08, 2014

Companies race to adjust health-care benefits as Affordable Care Act takes hold
By Aaron Gregg; The Washington Post ~ Sep 07, 2014

Despite Curve Balls, Most Retirees Manage
By Tom Lauricella; The Wall Street Journal ~ Sep 07, 2014

Beware Leaving a Roth for Heirs
By Andrea Coombes; The Wall Street Journal ~ Sep 07, 2014

Retirement Royalty: Where Workers Still Get a Pension
By Ben Steverman; Bloomberg ~ Sep 05, 2014

Early Results: Average 2015 Exchange Premiums Decline Slightly
By Jay Hancock; Kaiser Health News ~ Sep 05, 2014

Report: Obamacare Subsidies Could Fall For Low-Income Customers Seeking Cheapest Plans
By Sarah Hurtubise; The Daily Caller ~ Sep 05, 2014

Record 92,269,000 Not in Labor Force; Participation Rate Matches 36-Year Low
By Ali Meyer; Cybercast News Service ~ Sep 05, 2014

Obamacare Tax Rule Gets Rehearing by Full Appeals Court
By Andrew Zajac & Greg Stohr; Bloomberg ~ Sep 04, 2014

Hackers Breach Security of a Health Exchange Server
By Robert Pear and Nicole Perlroth, New York Times – Sept 4, 2014

Democrats borrow a GOP idea on health care costs
By Ricardo Alonso-Zaldivar; The Associated Press ~ Sep 04, 2014

Fed: Gap between wealthy and average Americans widening
By Peter Schroeder; The Hill ~ Sep 04, 2014

U.S. corporate pension funding ratios decline on falling discount rate
By Rob Kozlowski; Pensions & Investments ~ Sep 04, 2014

Gov't forecasts rising health care inflation
By Ricardo Alonso-Zaldivar; The Associated Press ~ Sep 03, 2014

HealthCare.gov CEO sees challenges ahead
By Elise Viebeck; The Hill ~ Sep 03, 2014

Is Your Pension Plan Underfunded?
By John Wasik; Forbes ~ Sep 03, 2014

5 Pitfalls Of Starting A Business In Retirement
Forbes – Sept 2, 2014

Obamacare Questions: What Taxes? Will Job Insurance Last?
From KHN Daily News; Kaiser Health News ~ Sep 02, 2014

Don’t be fooled: America’s deficit is still a problem
By William G. Gale; Fortune ~ Sep 02, 2014

Your ‘safe’ money-market fund may be at risk
By Robert Powell; MarketWatch ~ Sep 02, 2014

Increasingly, High-Deductible Health Plans Weigh Down Employees
By Tara Siegel Bernard; The New York Times ~ Sep 01, 2014

Getting help with Medicare costs when money is tight
By Ron Pollack, Families USA; The Star ~ Sep 01, 2014

Economy no savior for Dems
By Peter Schroeder & Vicki Needham; The Hill ~ Sep 01, 2014

ERISA at 40
By Hazel Bradford; Pensions & Investments ~ Sep 01, 2014

Coverage for End-of-Life Talks Gaining Ground
By Pam Belluck; The New York Times ~ Aug 30, 2014

Is Obamacare Hurting Wages?
By Adam Ozimek; Forbes ~ Aug 31, 2014

Don't let your 401(k) retire before you do
By Sharon Epperson, CNBC ; USA TODAY ~ Aug 31, 2014

Medical identity theft: How the health care industry is failing us
By Laura Shin; Fortune ~ Aug 31, 2014

Westar Energy retirees’ benefits to change
By Associated Press – Aug 29, 2014

Sears to cut retirees' $37 monthly health care subsidy
By Alexia Elejalde-Ruiz, Chicago Tribune – Aug 29, 2014

Who's paying the new Obamacare tax? You
By Phil Galewitz, KHN; USA TODAY ~ Aug 30, 2014

For the second straight cycle, Dems place bet on Medicare
By Greg Sargent, Washington Post – Aug 29, 2014

Medicare Will Settle Short-Term Care Bills
By Reed Abelson, New York Times – Aug 29, 2014

6 ways to control overspending in retirement
By Robert Powell, USA Today – Aug 30 2014

Why so many retirees work in retirement
By Art Koff, MarketWatch – Aug 29, 2014

Obamacare’s Latest Threat Nears Turning Point in Court
By Greg Stohr; Bloomberg ~ Aug 29, 2014

Obamacare’s Latest Threat Nears Turning Point in Court
By Greg Stohr; Bloomberg ~ Aug 29, 2014

New challenge for HealthCare.gov: Tax forms
By Ricardo Alonso-Zaldivar; The Associated Press ~ Aug 29, 2014

The Ingestible And Stick-On Micro Tech Powering Your Healthcare
By Leo King; Forbes ~ Aug 29, 2014

The Doc Fix is Still Cheap, Medicare Spending Will Slow, and Other CBO Predictions
By Nathaniel Weixel; Bloomberg BNA ~ Aug 29, 2014

Report: HealthCare.gov Still Doesn’t Work
By Sarah Hurtubise; The Daily Caller ~ Aug 28, 2014

Consumers Will Owe Uncle Sam If They Got Health Insurance Subsidies Mistakenly
By Julie Appleby; Kaiser Health News ~ Aug 29, 2014

Increasingly, Retirees Dump Their Possessions and Hit the Road
By David Wallis; The New York Times ~ Aug 29, 2014

Aging Baby Boomers: Get Hip to Medicare Part D
By Ilana Greene, Huffington Post – Aug 28, 2014

How to Complain to Medicare
By Paula , New York Times – Aug 28, 2014

How to Play Catch-up on Retirement Savings
By Walter Updegrave, Wall Street Journal – Aug 28, 2014

The Social Security solvency dodge
By Brenton Smith, The Hill – Aug 28, 2014

Yes, Obamacare is cutting the deficit
Paul Waldman, Washington Post – Aug 27, 2014

The Word on Obamacare: It’s Shrinking as a Political Issue
By Derek Willis, New York Times – Aug 27 2014

How Obamacare is taking a bite out of CEO pay
By Aimee Picchi, MarketWatch – Aug 27, 2014

Medicare Limbo: A Question Seniors Need To Ask If They're In The Hospital
By Northwestern Mutual Voice Team, Forbes – Aug 27, 2014

Medicare: Not Such a Budget-Buster Anymore
By Margot Sanger-Katz and Kevin Quealy, New York Times – Aug 27, 2014

Create a Plan for a Meaningful Retirement
By Susan B. Garland, Kiplinger – Aug 27, 2014

The Key to Living Happily Ever After in Retirement
By Susan B. Garland, Kiplinger – Aug 27, 2014

Wanted: A million bucks or more in retirement savings
By Nanci Hellmich, USA Today – Aug 27, 2014

How Obamacare subsidies could impact your tax refund
CBS News & Associated Press – Aug 25, 2014

Kevin Counihan, The New 'Obamacare CEO,' Faces Four Key Challenges
By Dan Diamond, Forbes – Aug 26, 2014

Retirement planning: Seven cardinal rules
By Carl Edwards, MySanAntonio.Com – Aug 26, 2014

Retirees and 401(k)s: Big money, big decisions
By Rodney Brooks, USA Today – Aug 26, 2014

Federal Reserve Banks Agree Obamacare Is Hurting Business
By Sarah Hurtubeise, The Daily Caller – Aug 25, 2014

Obamacare's Death of a Thousand Rate Hike
By Sally Pipes, Forbes – Aug 25, 2014

At Home Or In Facilities, Care For Elderly Changing Rapidly
By Kaiser Health News – Aug 25, 2014

Retirement mistakes people make at every age
By Jonnelle Marte, Washington Post – Aug 25, 2014

Federal Reserve Banks Agree Obamacare Is Hurting Business
By Sarah Hurtubeise, The Daily Caller – Aug 25, 2014

Obamacare's Death of a Thousand Rate Hike
By Sally Pipes, Forbes – Aug 25, 2014

At Home Or In Facilities, Care For Elderly Changing Rapidly
By Kaiser Health News – Aug 25, 2014

Retirement mistakes people make at every age
By Jonnelle Marte, Washington Post – Aug 25, 2014

Social Security retirement a Boomers’ dilemma
By Sam Adamson, News Leader – Aug 24, 2014

Has Social Security's Trust Fund Been Robbed?
By Chuck Saletta, Motley Fool – Aug 23, 2014

4 Qualities For Retirement Planning In The Stressful Market
By Walter Updegrave, Forbes – Aug 22, 2014

Tips We Can Learn from Retirees
By Dave Bernard, U.S. News & World Report – Aug 22, 2014

Here's What's Going On With Obamacare Premium Increases
By Jeffrey Young, Huffington Post – Aug 21, 2014

Obamacare Or Not, Republicans Should Focus On Reducing The Cost Of Health Care
By Avik Roy, Forbes – Aug 20, 2014

Unemployed by ObamaCare
Wall Street Journal – Aug 21, 2014

Five ideas to better prepare Americans for retirement
By Dominic Basulto, Washington Post, Aug 21, 2014

TV Interview: U.S. Representative Paul Ryan discusses his plans for Social Security
Bloomberg TV Market Makers – Aug 20, 2014

Congressman John Larson's Important Plan to Expand Social Security
By Nancy Altman and Eric Kingson, Huffington Post – Aug 20 2014

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


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