NRLN Works to Protect Your Retirement Security

The National Retiree Legislative Network (NRLN) works to enact federal legislation to protect employer-sponsored pensions, health care benefits and keep Social Security and Medicare strong.

With support from more than 2 million members and Washington, D.C. staff, the NRLN identifies and rallies support for federal legislation that will guarantee fair and equitable treatment of retirees from the private and public sectors. Learn more about the NRLN and legislation important to retirees by clicking on the "About Us" and "Legislative" links above.

The NRLN recently created the American Retirees Education Foundation (AREF) with a mission is to research, educate and inform retirees, future retirees and the general public on how best to protect and promote retirement income security and retiree health care. Contributions to AREF are tax deductible.

To learn more about the AREF, go to .

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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.

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University’s Survey on Social Security

I though you would be interested in the results of a new survey on Social Security issues conducted by the Program for Public Consultation at the University of Maryland. The 8,697 participants were selected from a probability-based national panel which also included statewide samples in California, Florida, Maryland, New York, Ohio, Oklahoma, Texas and Virginia.

The content of the survey was vetted for accuracy and balance by Republican and Democratic Congressional staffers, as well as experts from the National Academy of Social Insurance and the American Enterprise Institute. The participants went through a “policymaking simulation” in which they were briefed on the Social Security program and told about the looming shortfall and its causes — the declining number of workers per retiree and the fact that Americans are living longer.

At the core of the survey was the projection that in 2033 the Social Security Trust Fund will not have enough funds to pay the level of benefits that are schedule to be paid by present law. Benefits would then be financed from current payroll taxes only and would drop by 23 percent. Survey participants were asked to consider approaches for dealing with this shortfall and provide their responses to options on both reducing benefits and increasing revenues.

The conclusions from the survey suggests was there are four steps that would resolve at least two-thirds of Social Security’s project shortfall.

  1. Raising the cap on income subject to the payroll from the current $118,000 to $215,000 was the most popular option with 88 percent of respondents supporting this nationally, including 84 percent of Republicans and 92 percent of Democrats. In addition, 59 percent went further, saying they would support eliminating the cap on taxable earnings entirely.
  2. Seventy-six percent also approved of raising the payroll tax from 6.2 to 6.6 percent (72 percent of Republicans, 80 percent of Democrats).
  3. Reducing benefits for the top 25 percent of lifetime earners received 76 percent support, including 72 percent of Republicans and 81 percent of Democrats. (The 25 percent was not identified in annual income dollars.)
  4. Gradually raising the retirement age to 68 years old. This step elicited 79 percent approval (81 percent of Republicans, 78 percent of Democrats).
I would be interested in hearing from you (at on whether you agree or disagree with the survey’s results.

The full report on the survey can be accessed at:

The Program for Public Consultation has the survey online if you would like to experience the “policymaking simulation” process. Your answers would not be recorded as part of the survey but the process does provide a way for your answers to be sent to your members of Congress. A word of caution, the survey is very detailed and long (approximately 50 separate pages). The questionnaire can be accessed at:

Bill Kadereit, President
National Retiree Legislative Network

report card

NRLN Provides New “Report Card” Feature on Members of Congress

NRLN has introduced a “report card” for each state that shows whether the U.S. Representatives and Senators have supported bills in Congress advocated by the NRLN. Read all about it here.

NRLN members are saving big with the Free Health Savings Rx Card℠

The NRLN has arranged to offer you a Health Savings Rx Card™, at NO COST, that offers you and your family savings on prescription drugs, plus vision and hearing services and products.Click here to access the Rx Savings Card℠ website.If you do not already have a Health Savings Rx Card℠ you will need to create your personal login and then printout your free card. Savings information for prescription drugs, vision and hearing services and products is available through the links under the Savings Plus tab.



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.


Click here to read the FALL 2016 issue of the NRLN FOCUS Newsletter

action alert

NRLN Action Alert – Mr. President, Reduce Prescription Drug Price Gouging

Thirty-three U.S. Representatives have signed and sent a letter to President Barack Obama urging him to take executive action against pharmaceutical price gouging. Because the requests made by the lawmakers address NRLN lobbying issues, please email the NRLN’s sample letter to President Obama to urge him to take action on the requests made by the U.S. Representatives. Email the NRLN’s sample letters to your Representative and Senators to tell them that you believe the fiduciary rule is in the best interest of retirees and workers and efforts to eliminate it should cease.

NRLN 2016 Survey Results

Between May 2 and June 5, 2016, there were 6,737 NRLN grassroots advocates who participated in all or parts of the 2016 NRLN Future Directions Survey. The data in the survey will help the NRLN and its retiree associations and chapters gain a better understanding of what is important to retirees and future retirees plus indicating whether the right priorities are set. The responses to questions where personal comments were given or personal contact information was provided are not included. Click here to view survey results.

Pain around the Corner – Pensions

(May 5, 2016) When the NRLN issues an Action Alert we can tell from statistics produced in our database that some do not open the email and a number of those who do don’t follow up and send a letter to their members of Congress. It is regrettable that some individuals are insulated and unconcerned about the need to advocate legislation for important retirement issues. This message, Pain around the Corner – Pensions, is the first in a series of emails from me to address the need to protect pensions, Social Security, Medicare, and reduce the cost of health care, particularly the skyrocketing cost of prescription drugs.

Only legislation passed by Congress and signed into law by the President can address the need to protect pensions. Legislation is needed to force pension plan sponsors to obtain federal agency approval before merging a well-funded pension plan with one or more lower-funded plans to avoid having to contribute money to shore up the lower funded plans. Read more...




Opinion - Dr. Kevin Campbell: What a Trump presidency really means for Medicare
By Dr. Kevin Campbell, Fox News - Dec 1, 2016

Stop the ‘Medi-scare’ politics, Ryan tells Democrats – the system needs changes
By David Lightman, McClatchyDC - Dec 1, 2016

Drug pricing debate going into hibernation
By Sarah Chacko; The Hill ~ Dec 01, 2016

Poll: Only about 1 in 4 wants Trump to repeal health law
By Ricardo Alonso-Zaldivar; The Associated Press ~ Dec 01, 2016

New Customers Selecting An Obamacare Plan Down Nearly 200,000 From Last Year
By Ali Meyer; The Washington Free Beacon ~ Dec 01, 2016

Assessing Health Care Value: The Need for a Decentralized and Scientific Approach
From Tomas Philipson; Forbes ~ Dec 01, 2016

Insurance blind spots: 5 coverage gaps that could cost you
By ALEX GLENN, Nerdwallet; The Associated Press ~ Dec 01, 2016

Healthcare industry optimistic about Tom Price, Seema Verma agency picks
By Leslie Small; FierceHealthcare ~ Nov 30, 2016

NEPC: Most corporate plans looking at lump sums, annuity contracts
By Rob Kozlowski; Pensions & Investments ~ Nov 30, 2016

Push for Quick Medicare Overhaul Worries U.S. Senate Republicans
By Sahil Kapur; Bloomberg ~ Nov 30, 2016

Need Pricey Drugs From An Obamacare Plan? You’ll Shoulder More Of The Cost
By Jordan Rau, Julie Appleby & Elizabeth Lucas ; Kaiser Health News ~ Nov 30, 2016

Hospitals To Trump: Any Obamacare Replacement Should Maintain Coverage
From Bruce Japsen; Forbes ~ Nov 30, 2016

Obamacare's Test Kitchen For Payment Experiments Faces An Uncertain Future
By Julie Appleby, KHN; WEAA ~ Nov 30, 2016

How Soon Will Donald Trump Tackle Medicare Reform?
By Elizabeth O'Brien, Money - Nov 30, 2016

Trump picks Seema Verma to head Centers for Medicare and Medicaid Services
By Rachana Pradhan; Politico ~ Nov 29, 2016

Trump to nominate Georgia Rep. Tom Price as health secretary
By Julie Pace; The Associated Press ~ Nov 29, 2016

Obamacare Repeal Plan Set in Motion
By Lindsey McPherson; Roll Call ~ Nov 29, 2016

Over 30 Million Americans Are ‘Underinsured’ Under Obamacare
By Robert Donachie; The Daily Caller ~ Nov 28, 2016

2.5 Million Americans Qualify for Obamacare Tax Credits But Still Buy Private Insurance
By Ali Meyer; The Washington Free Beacon ~ Nov 28, 2016

Trump Will Repeal Obamacare 40% Cadillac Tax, Other Taxes Too
From Robert W. Wood; Forbes ~ Nov 28, 2016

Obamacare still not looking like a bargain to many Americans
By John Sexton; Hot Air ~ Nov 28, 2016

What to do when your tax preparer screws up
By Kayleigh Kulp; CNBC ~ Nov 28, 2016


What Trump can learn from Obama's rough ride on health care
By Ricardo Alonso-Zaldivar; The Associated Press ~ Nov 27, 2016


3 Health Insurance Rules You Should Know by Heart
By Dan Caplinger, TMG; Wisconsin State journal ~ Nov 27, 2016


3 Social Security Myths -- Debunked!
By Dan Caplinger, TMF; Nasdaq ~  Nov 27, 2016


How Much Money Can You Make in 2017 Without Reducing Your Social Security Check?
By Todd Campbell; The Motley Fool ~ Nov 26, 2016

Governors planning 'very, very active' role in ObamaCare rewrite
By Sarah Ferris; The Hill ~ Nov 26, 2016

For some in middle class, Trump plan would mean tax increase
By Christopher S. Rugaber; The Associated Press ~ Nov 26, 2016

AstraZeneca Wins Nexium Pay-For-Delay Case (AZN)
By Shobhit Seth, Yahoo Finance - Nov. 23, 2016

Even if a retail clinic is close, people often use an emergency room instead
By Michelle Andrews; The Washington Post ~ Nov 25, 2016

Consumers decline health insurance amid uncertain future for Affordable Care Act
By Ana B. Ibarra, KHN; St. Louis Post-Dispatch ~ Nov 25, 2016

Sweat it out! Skin patch aims to test sweat for health
By Lauran Neergaard; The Associated Press ~ Nov 24, 2016

Back To The Future: Insurance Pools For High-Risk Patients Could Be Revived
By Pauline Bartolone; Kaiser Health News ~ Nov 23, 2016

CMS finalizes Medicare quality measures under consideration
By Susan Morse; Healthcare Finance ~ Nov 22, 2016

Wall St lawyers say retiree investment rule violates free speech
By Elizabeth Dilts; Reuters ~ Nov 22, 2016

NIH: No, we don’t really know where your tax dollars are going
By Jazz Shaw; Hot Air ~ Nov 23, 2016

Which is Better: Lump Sum or Pension Annuity?
From Eve Kaplan; Forbes ~ Nov 22, 2016

It’s Not the ACA that Needs a Fix; It’s the Health Care System
From Michael Rosenbaum; The Huffington Post ~ Nov 22, 2016

New Data Shows 2015 Was A Financial Bloodbath for Obamacare Insurers
From Seth Chandler; Forbes ~ Nov 21, 2016

U.S. healthcare spending up 5 percent in 2015
By HealthDay News; United Press International ~ Nov 22, 2016

A Sick Calculation About Prescription Drugs
By Peter J. Pitts; Investor’s Business Daily ~ Nov 22, 2016

7 Ways To Keep Your Parents' Assets From The Taxman
From Patrick O’Brien; Forbes ~ Nov 22, 2016

Questionable Future for Mutiemployer Pension Plans
By Rebecca Moore; Plansponsor ~ Nov 21, 2016

For Trump and GOP, 'Obamacare' repeal is complex and risky
By Alan Fram; The Associated Press ~ Nov 21, 2016

Uncertain Fate Of Health Law Giving Health Industry Heartburn
By Julie Rovner & Chad Terhune; Kaiser Health News ~ Nov 21, 2016

How Obamacare’s ‘Best’ Wellness Program Made Employees Sicker
By Al Lewis; The Huffington Post ~ Nov 20, 2016

Bonus From Your Blood Pressure Med: Fewer Fractures?
By Robert Preidt; US News & World Report ~ Nov 21, 2016

Dementia rate declines but aging America may halt the trend
By LINDSEY TANNER; The Associated Press ~ Nov 21, 2016

How Social Security numbers became skeleton keys for fraudsters
By Grace Dobush; The Christian Science Monitor ~ Nov 21, 2016

High health insurance costs prompt tough choices
By Jayne O'Donnell; USA TODAY ~ Nov 20, 2016

Republicans call for 'new system' to replace ObamaCare
By Nikita Vladimirov; The Hill ~ Nov 19, 2016

Surprise Medical Bills: Why They Occur And What To Do
From Bruce Y. Lee; Forbes ~ Nov 19, 2016

Ready for Medicare? Not Until You Read This
By Chuck Saletta; The Motley Fool ~ Nov 19, 2016

How ObamaCare has hurt children
By Merrill Matthews, Ph.D. & Beverly Gossage ; The Hill ~ Nov 18, 2016

$31B in employer penalties expected, Accenture report says
By Susan Morse; Healthcare Finance ~ Nov 18, 2016

How to Give an I.R.A. to Children Without Giving Up Control
By Paul Sullivan; The New York Times ~ Nov 18, 2016

5 Smart Tax Moves To Make Before Year-End
From Larry Light; Forbes ~ Nov 17, 2016

Americans want Trump to focus on healthcare first: poll
By Chris Kahn; Reuters ~ Nov 17, 2016

Republicans explore 'repeal and delay' strategy for ACA
By Jack Craver; BenefitsPRO ~ Nov 17, 2016

Can Congress find bipartisan agreement on healthcare?
By Allyson Schwartz; Bloomberg Government ~ Nov 17, 2016

Obama Says Would Support Trump Moves to Improve U.S. Healthcare
By Reuters; The New York Times ~ Nov 17, 2016

How to Make Drug Prices Fair to U.S. Consumers
By Red Jahncke; Bloomberg ~ Nov 16, 2016

Obama administration pencils in 2018 rules
By Allison Bell; LifeHealthpro ~ Nov 16, 2016

We Need To Stop Paying Doctors For Treating Us - And Start Paying Them For Healing Us. Here Is Why
From Arnaud Bernaert; Forbes ~ Nov 16, 2016

Drug prices don't budge even after pressure from Congress
By Matthew Perrone; The Associated Press ~ Nov 16, 2016

Shortfalls grow for the insurance fund protecting millions of pensions
By Jonnelle Marte ; The Washington Post ~ Nov 16, 2016

Retirees: Don’t try to keep up with the Joneses on Facebook
By Robert Powell; USA TODAY ~ Nov 16, 2016

Insurers brace for ObamaCare upheaval
By Peter Sullivan; The Hill ~ Nov 15, 2016

AMA: Trump's Obamacare Replacement Shouldn't Cause Patients To Lose Coverage
From Bruce Japsen; Forbes ~ Nov 15, 2016

Medicare Part B Premiums Will Top $10,000 A Year For High Income Senior Couples In 2017
By Ashlea Ebeling ; Forbes ~ Nov 15, 2016

Cholesterol drug shows promise to help reverse heart disease
By Marilynn Marchione; The Associated Press ~ Nov 15, 2016

5 reasons why retirees should avoid structured CDs
By Mike Sorrentino; MarketWatch ~ Nov 15, 2016

Trump just dropped a big hint to the pharmaceutical industry
By Carolyn Y. Johnson; The Washington Post ~ Nov 14, 2016

White House ignores Trump win in latest ObamaCare sign-up push
By Sarah Ferris; The Hill ~ Nov 14, 2016

10-year study eases concerns about Celebrex, heart risk
By Susan Scutti; CNN ~ Nov 14, 2016

Corporate pension funding under renewed spotlight
By Sophie Baker; Pensions & Investments ~ Nov 14, 2016

Obama officials work against time to wrap banking rules
By Patrick Rucker & Lisa Lambert; Reuters ~ Nov 14, 2016

How to Keep Grandkid Spending in Check This Christmas
By Abby Hayes ; US News & World Report ~ Nov 14, 2016

The Nation's Second-Largest Insurer May Bail on Obamacare in 2018
By Sean Williams ; The Motley Fool ~ Nov 13, 2016

How To Cover Everyone With Pre-Existing Conditions Without The System Collapsing
From Robert Book; Forbes ~ Nov 13, 2016

Which Health Insurance Plan Will You Choose This Fall?
From Erik Carter; Forbes ~ Nov 13, 2016

Social Security Fixes That Democrats and Republicans Agree On
By Sean Williams, TMF ; Newsweek ~ Nov 13, 2016

New statin guidelines: Everyone 40 and older should be considered for the drug therapy
By Ariana Eunjung Cha; The Washington Post ~ Nov 13, 2016

Aetna CEO: Everyone’s Premiums Will Increase Next Year Unless Obamacare Is Fixed
By Ali Meyer; The Washington Free Beacon ~ Nov 11, 2016

Mandate: ObamaCare repeal tops priority list among Republican voters
By Ed Morrissey; Hot Air ~ Nov 11, 2016

Retirement Policy Under Donald Trump? Unclear, but There Are Clues
By Anne Tergesen; The Wall Street Journal ~ Nov 12, 2016

Opinion: Why politicians should consider transferring Social Security’s legacy debt to the Treasury
By Alicia H. Munnell ; MarketWatch ~ Nov 11, 2 016

GOP may bring back budget bill to strike blow at ObamaCare
By Sarah Ferris; The Hill ~ Nov 10, 2016

Here’s how to find a lower cost Medicare prescription drug plan.
By Emily Brandon; US News & World Report ~ Nov 11, 2016

Concerned About Losing Your Marketplace Plan? ACA Repeal May Take Awhile
By Michelle Andrews; Kaiser Health News ~ Nov 10, 2016

Medicare premium to rise modestly for most beneficiaries
The Associated Press ~ Nov 10, 2016

That Roth IRA you inherited may not be tax free
By Dan Moisand; MarketWatch ~ Nov 11, 2016

Is Paul Ryan already eyeing Medicare cuts?
By Mike DeBonis, Washington Post - Nov 11, 2016

White House says implementing Obamacare through Jan. 20 a priority
By Susan Heavey; Reuters ~ Nov 10, 2016

With ObamaCare Collapsing, What Do We Do Next?
By Steve Forbes; Forbes ~ Nov 10, 2016

We can’t wait on medical cures
By Jennifer LaTourette; The Hill ~ Nov 10, 2016

Are There Special Tax Breaks for Retirees?
By Maurie Backman; The Motley Fool ~ Nov 09, 2016

Why Social Security COLAs Aren’t Keeping Up With Inflation
By Brenton Smith, FedSmith - Nov. 9, 2016

Trump victory puts Obamacare dismantling within reach
By Jennifer Haberkorn; Politico ~ Nov 09, 2016

And So Begins The Battle To Save Obamacare
From Bruce Japsen; Forbes ~ Nov 09, 2016

White House forges on with ObamaCare signups despite GOP sweep
By Sarah Ferris; The Hill ~ Nov 09, 2016

10 Ways Employees Can Beat Rising Healthcare Costs
By Ashlea Ebeling; Forbes ~ Nov 09, 2016

Pharma Gets Reprieve From ‘Worst-Case Scenario,’ But Trump Is Still A Question Mark
From KHN Morning Briefing; Kaiser Health News ~ Nov 09, 2016

Big Pharma’s big question: Is Trump friend or foe?
By Dylan Scott; Fox News ~ Nov 09, 2016

What The Trump Presidency Means For Seniors
From Howard Gleckman; Forbes ~ Nov 09, 2016

How Retirement Benefits Will Change in 2017
By Emily Brandon; US News & World Report ~ Nov 07, 2016

Obama Admin Used Tax Return Info To Market Obamacare, Cause Of Action (CoA) Says
By Robert Donachie; The Daily Caller ~ Nov 07, 2016 Site Straining to Keep Up With Enrollees
Online ‘waiting rooms’ for those signing up under Affordable Care Act

By Louise Radnofsky; The Wall Street Journal ~ Nov 07, 2016

DOL Scores First Victory in Fiduciary Rule Challenge
By Jo-el J. Meyer; Bloomberg BNA ~ Nov 07, 2016

Federal judge blocks rule giving nursing home residents right to sue
By Lydia Wheeler; The Hill ~ Nov 07, 2016

ACA premiums could increase for as many as 8.4 million
By Jack Craver; BenefitsPRO ~ Nov 07, 2016

Under drug-cost attack, Big Pharma CEOs raise the value-based pricing flag
By Tracy Staton; FiercePharma ~ Nov 07, 2016

Opinion: Why the age for Social Security benefits doesn’t need to go up to 70
By Brenton Smith; MarketWatch ~ Nov 07, 2016

IRS Forms 1099 Are Critical, And Due Early In 2017
From Robert W. Wood ; Forbes ~ Nov 07, 2016

Why The Middle Class is Becoming Extinct
By Suzanne O'Halloran ; Fox Business ~ Nov 07, 2016

Insurers Want Obamacare Risk Adjusted, Not Repealed

Opinion: Drug companies spend $109 million to block vote to lower drug prices
By Harriett Blair Rowan; MarketWatch ~ Nov 06, 2016

Healthcare reform needs to be top priority for presidential contenders
By Jason Fodeman; The Hill ~ Nov 05, 2016

Will the US Government Step in to Regulate Drug Prices?
By Eric Pianin; The Fiscal Times ~ Nov 04, 2016

ObamaCare fails to uphold the Hippocratic oath to 'do no harm'
By Nadia White; The Hill ~ Nov 04, 2016

These Patients Are Covered by Obamacare But Can’t Afford Treatment
By Zachary Tracer & Katherine Doherty; Bloomberg ~ Nov 04, 2016

How high hospital profits may be hurting the field of medicine
By Christopher Maynard; ConsumerAffairs ~ Nov 04, 2016

Another Obamacare Referendum
From Tim Phillips; Forbes ~ Nov 04, 2016

How can Time magazine get this essential fact about Social Security so fundamentally wrong?
By Michael Hiltzik ; Los Angeles Times ~ Nov 04, 2016

Obama Says ‘Handful’ Of Americans Seeing Insurance Rates Go Up … That ‘Handful’ Is 2.2 Million People [VIDEO]
By Christian Datoc; The Daily Caller ~ Nov 03, 2016

A Package Deal: Laying the Groundwork for Bundled Payments
By Kimberly Leonard ; US News & World Report ~ Nov 03, 2016

Public Option for U.S. Health Insurance Gains Visibility in Debate Over Affordable Care Act
By Stephanie Armour; The Wall Street Journal ~ Nov 03, 2016

Why health care eats more of your paycheck every year
By Tom Murphy; The Associated Press ~ Nov 03, 2016

5 Steps to Picking the Right Medicare Part D Plan
By Maryalene LaPonsie; US News & World Report ~ Nov 03, 2016

The Biggest Issues For The Future Of Healthcare In America And What We Can Learn From Them, Part 2
From Glenn Llopis ; Forbes ~ Nov 03, 2016

Medicare to begin paying for diabetes prevention strategy
By Amy Goldstein; The Washington Post ~ Nov 02, 2016

CDC: Progress reducing uninsured rate threatens to stall
By Ricardo Alonso-Zaldivar; The Associated Press ~ Nov 03, 2016

Advice for the Next President: Expand Social Security
By Ben Steverman; Bloomberg ~ Nov 03, 2016

ObamaCare demonstrates dangers of government interference
By David Williams; The Hill ~ Nov 02, 2016

Another Major Healthcare Provider Ready to Flee Obamacare
By Warner Todd Huston; Breitbart ~ Nov 02, 2016

How Much Does Social Security Really Reduce Poverty?
From Andrew Biggs; Forbes ~ Nov 02, 2016

Obamacare enrollment: Traffic spikes on's first day for 2017 plans
By Dan Mangan; CNBC ~ Nov 01, 2016

Reining in Medicare Rx Costs: What Will Work?
By Shannon Firth; MedPage Today ~ Nov 01, 2016

Breakingviews: Obamacare could use a transplant, not euthanasia
By Gina Chon; Reuters ~ Nov 01, 2016

Obamacare Plan To Steal Our Private Data Needs To Buzz Off
By Jared Whitley; The Daily Caller ~ Nov 01, 2016

7 Tips To Help Avoid Costly Health Plan Enrollment Headaches
By Michelle Andrews; Kaiser Health News ~ Nov 01, 2016

Why We Must Combat Ageism In America
From Max Richtman, Next Avenue; Forbes ~ Nov 01, 2016

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