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Useful Internet Links For Retirees …

These links are provided as a source of potentially useful information for members.  The NRLN takes no position either with respect to the validity of the information or with respect to other purposes of the sponsoring persons or organizations. Click on the link to access the website.

If you have more ideas for savings and other information please share them with the NRLN through an email to contact@nrln.org or call toll free 1-866-360-7197.

Federal Government Links

SocialSecurity.Gov is the official website of the Social Security Administration.

Medicare.Gov is the official website for Medicare participants.

USA.gov is the official U.S. gateway to all government information and services.

Centers for Medicare & Medicaid (CMS) is the federal agency that administers Medicare, Medicaid and the Childrens Health Insurance Program.

HealthCare.Gov provides information about health care insurance plans.

White House is the official website of The White House and The President of the United States.

U.S. Senate includes a directory of Senators and legislative activities in the Senate.

U.S. House of Representatives includes a directory of Representatives and legislative activities in the House.

Congress.gov provides legislative information from the Library of Congress.

Congressional Budget Office (CBO) assists Congress by preparing objective and impartial reports and analysis.

U.S. Department of Labor (DOL) is devoted to the welfare of the wage earners, job seekers, and retirees by assuring work-related benefits and rights

Employee Benefits Security Administration(EBSA) is the branch of the U.S. Labor Department committed to educating and assisting Americans covered by private retirement plans and health plans.

Pension Benefits Guaranty Corporation (PBGC) is the U.S. Government Agency with the responsibility of protecting the retirement incomes of Americans in private-sector defined benefit pension plans.

U.S. Department of the Treasury is responsible for formulating and recommending economic, financial, tax and fiscal policies for the U.S. Government.

Internal Revenue Service (IRS) provides America's taxpayers with help to understand and meet their tax responsibilities and enforce the tax laws.

Government Accounting Office (GAO) is an independent, nonpartisan agency that works for Congress to investigate how the federal government spends taxpayer dollars.


Assistance For Veterans

Navy Credit Union Retirement Center provides information on saving for retirement and managing savings during retirement.

Veterans Administration can provide U.S. military veterans with services and benefits that can result in significant savings.

Veterans Health and Identification Card

Access VA Health Benefits

VA Dental Insurance Programs

VA Medical Benefits Package

Prescription Drugs

Geriatrics and Extended Care

Home Health Care

VA Transportation Program

General Benefits Information

Burial and Memorial Benefits

Retirement Planning for Veterans provides guide to help Veterans with retirement planning.

American Addiction Centers  helping combat veterans cope with the psychological and emotional trauma of their battlefield experiences and the toll it takes on their mental health.

WristbandSupplies.com https://www.wristbandsupplies.com/ helps small, non-profit Veteran organizations spread their cause with free custom wristbands.

Veteran Asbestos Exposure During Service


Information, Advocacy & Assistance Links:

ADA: Disabilities & Your Rights as an Employee

American Academy of Actuaries operates a pension assistance list of actuaries. 

Articles for Seniors

Benefits Link is an independent website that provides free information and tools for benefit plan sponsors, service-providers and participants. 

Benefitnews.com  is a complete online resource for benefits and HR professionals.

Benefits CheckUpis a service to screen benefits for older adults.

Benefits Pro is the #1 online destination for benefits professionals.

Calculate Your Budget

Cato Institute is a public policy research organization dedicated to the principles of individual liberty, limited government, free markets and peace.

The Guide to Securing Life-long Accommodations for Adult Children with Special Needs

ConsumerDangers.Com is dedicated to protecting the public from unreasonable risks of injury or death associated with the use of the thousands of types of consumer products.

Continuous Chest Compression CPR View a video to learn a hands-only CPR method that doubles a persons chance of surviving cardiac arrest.

CountyOffice.org is an Internet database of county government offices in the United States.

Debt Consolidation - The Best Practice

Grants for Home Modifications: 16 Resources for Homeowners with Disabilities

Renting with Disabilities

A Complete Guide to Service, Therapy and Emotional Support Dogs

Federal Service Dog Law in Plain English

Drugs.Com is an independent medicine information website for drug and related health information.

Employee Benefit Research Institute is committed to original public policy research and education on economic security and employee benefits.

The ERISA Industry Committee (ERIC is dedicated exclusively to representing the employee benefits and compensation interests of Americas major employers.

Expertise is a website to revolutionize the way consumers and experts connect.

Free Resume Builder

Free Resume Templates

Guide to Retirement: Strategies for Retirement Investing

Health Insurance Options a service to compare and buy health insurance.

The Heritage Foundation Center for Health Policy Studies conducts policy analyses and develops major policy prescriptions to expand health insurance coverage, restore the traditional doctor patient relationship, and improve the quality of care.

Help with Paying Bills, a website that helps low income families with finding financial assistance programs.

Find assisted living, independent living,memory/alzheimer's care, retirement communities and more

Leadership Council of Aging Organizations (ICAO) is a large coalition of the nation's non-profit organizations serving older Americans.

Medicare Rights Centeris a national, nonprofit consumer service organization that works to ensure access to affordable health care for older adults and people with disabilities through counseling and advocacy, educational programs and public policy initiatives.

OpenSecerts.Orgis a comprehensive resource for federal campaign contributions, lobbying data and analysis.

National Pension Lawyers Network can refer retirees to employee-benefits lawyers in your area.

Nationwide Senior Guide

5 Part-Time Jobs for Retirees

Pension Help America is a product of the Pension Rights Center.

The Pension Rights Center protecting and promoting retirement security. 

Re-entering the Workforce – Marketable Skills After 50

RetiredBrains is the largest independent job and information resource for retirees and people planning their retirement.

Streaming Television Solutions for the Deaf and Hard of Hearing

United Benefits Advisors brings together the expertise, products, and services of many independent employee benefits firms.  

U.S. National Debt Clockshows the national debt and debt by state.


News Links:

Associated Press http://www.ap.org/
Reuters http://www.reuters.com/
Bloomberg News http://www.bloomberg.com/news/
MarketWatch http://www.marketwatch.com/
ABC News http://abcnews.go.com/
CBS News http://www.cbsnews.com/
NBC News http://www.nbcnews.com/
CNN News http://www.cnn.com/
Fox News http://www.foxnews.com/
MSNBC News http://www.msnbc.com/
PBS News http://www.pbs.org/


Financial News Links:

Baron’s http://online.barrons.com/home-page
Bloomberg Financial News http://www.bloomberg.com/personal-finance/
CNBC Financial News http://www.cnbc.com/
Cost of Living Calculator https://www.moneygeek.com/cost-of-living-calculator/.
Forbes http://www.forbes.com/
Fox Business News http://www.foxbusiness.com/index.html
Kiplinger http://www.kiplinger.com/

Mortgage Refinancing Calculator https://www.moneygeek.com/mortgage/refinance/#Calculating-Your-Refinance

The Simple Dollar is ranked as a top-ten personal finance blog on Kiplinger.

The DealRoom http://www.firmex.com/thedealroom/ delivers relevant information on financial and legal issues.

 


Housing, Mortgage, Loan Information Links:

Housing & Mortgage Information for Seniors http://www.mortgageloan.com/seniors/

Mortgage Calculators, Loan Rate, Brokers-Lenders & Financial Glossary http://www.mortgageloan.com/

Reserve Mortgage Information

Insight into reverse mortgages

SeniorHomes.Com helps seniors and their families find housing and care for themselves.


Medical Information Links:

Addiction & Recovery - Lumiere Healing Centers

Asbestos Dangers

American Addiction Centers

The Benefits of Cooking with Alzheimer's: A Caregiver's Guide

10 Stimulating Activities for Alzheimer's Patients

Seven Steps to Staying Mentally Sharp as a Tack After 60

Alzheimer’s Disease and When to Stop Driving

Everything You Need to Know to Prepare Your Home for a Loved One with Alzheimer's

Dementia Care Dos & Don’ts: Dealing with Dementia Behavior Problems

Breast Cancer Research Foundation

Canadian prescription drugs order processing

The Caregiver’s Guide to Understanding and Prioritizing Aging-in-Place Accommodations

Drug Treatment Centers Locations

Healthy Lifestyles

Pension Justice helps people recover their pension benefits is through class action lawsuits.

Safety for Seniors at Home

Information on Stair Lifts

Seniors & Addiction. As the baby boomer generation continues to age, the demand for addiction treatment for older adults will continue to grow.

Nutritional Considerations for Seniors and the Elderly

Guide to Home Accommodations for Persons with Disabilities

Quit Smoking is a virtual community that offers support and information for those trying to kick the habit

Online Pharmacy Search is an independent community, helping the customers to find a right place to buy medicines online. It is not an online pharmacy and hence neither sells medicines online nor processes customer orders.

The Hospital Safety Score is a public service provided by The Leapfrog Group, a nonprofit organization committed to driving quality, safety, and transparency in the U.S. health system.

Hear In America offers complimentary hearing screening and discounts on hearing aids.

LowestMed helps you know where to find the best price and provides a discount card to get the best deal...and it's all free.

The 45 Warning Signs of Prescription Drug Abuse

Addiction Center provides the up-to-date information on addiction as well as reviews of top treatment centers across the country.

Cleveland Clinic

Johns Hopkins Medicine

Mayo Clinic

Web MD 

Planning Your Doctor Visit

Search by Insurance for Geriatric Care

Medicare.gov:Forms, Help & Resources

Medicare Part D Coverage

Centers for Medicare and Medicaid: Regulations and Guidance

Senior Care Resource Guide

Senior Health

Guide to Addiction Prevention for Seniors

Resources for Ensuring a Long, Happy and Healthy Life

Staying Healthy Over 50

Benefits of Swimming for Seniors

RBAssociation source for disability, retirement and Medicare guidance.

http://www.leiomyosarcoma.org/ provides information and news on causes and preventative treatments for Leiomyosarcoma, a type of malignant tumor that affects supportive tissues of the body.

Nursing Home Abuse Guide helps identify the many forms for nursing home abuse.

Nursing Home Abuse Center

NIHSeniorHealth  makes aging-related health information easily accessible. This site was developed by the National Institute on Aging (NIA) and the National Library of Medicine (NLM) both part of the National Institutes of Health (NIH).

Good Rx can help you save at many U.S. pharmacies.

LowestMeds helps you find the lowest prices for brand name and generic prescription drugs

Mesothelioma Cancer Alliance is dedicated to serving mesothelioma victims and their families.

Mesothelioma Veterans Center

Mesothelioma + Asbestos Awareness Center is an online support and advocacy center that offers educational support to mesothelioma patients, family members, and caregivers.

Well Travel: A Guide for Alzheimer’s Sufferers and Their Caregivers

Easy Day-Brighteners for Those with Dementia

Overcoming Apathy in Alzheimer’s

Every Day Health

QuitDay.org helps veterans live longer and healthier.

Wounded Warrior Project provide programs and services to meet the needs of injured military service members.

Online Nursing Guide Basic First Aid Resources.

American Red Cross Top Ten Cold Weather Safety Tips.

National Institute on Aging Warning Signs of Hypothermia.

LifeScience Seven Scientific Tips for Staying Warm.

Blink Health has the mission to make prescription medications available at lower prices to Americans.

Assisted Living Directory strives to be the model of honesty and transparency in the assisted living and senior care industry by providing accurate and highly trustworthy facility information, caregiver support, and in-depth, original content, videos, and interviews.

Drug Dangers is committed to providing information on a range of medications and medical devices that have serious complications.

HealthinAging.org, is a website providing information on health and aging.

Guide to Coping with Alzheimer’s & Dementia.

Home Safety and Alzheimer's

Nutritional Considerations for Seniors and the Elderly

The Benefits of Cooking with Alzheimer’s: A Caregiver’s Guide

14 Ways to Help Seniors Avoid Social Isolation .

Mental and Behavioral Health and Older Americans

Guide to Addiction Prevention for Seniors.

Drug Rehab Connections

Home Design for Fall Prevention for Seniors.

How Therapy Can Help in the Golden Years.

Traveling with a Medical Condition

Tips for Traveling With Diabetes

Top Hospitals 


Senior Discount Links:

Ambit Energy competitive rates.

Travel discounts on airfares, hotels, car rentals and vacation packages.

Restaurants / Retail and Apparel Discounts

Coupon Lawn   presents a list of service providers and retailers that offer discounts exclusively to seniors.

Grocery / Travel / Entertainment Discounts

Get travel tips, trends and deals

Senior Discounts.com is an online directory of U.S. businesses that offer discounts to people 50 years of age and older. It currently list over 250,000 business locations, which include the contact information, discount information and other information necessary to receive each discount.
Brand’s Deals.com is a one-stop source for the latest coupons & deals from thousands of leading retailers.
Gift Card Granny.com  is an onslaught of discounts for everything from groceries and clothing to travel and restaurants.


Discount Ideas From Members:

Discounts on Other Products and Services

ControlEnergy can provide savings on electricity and natural gas in certain states.

Kiplinger Retirement Freebies.

I have a membership to Citizen's Oil Co-Op which has its base in West Hartford, CT and also provides services in Massachusetts and Rhode Island. I pay $20 a year (senior rate) for membership. I get discounts on oil and on my electric/generation service charge. I saved over $540 this year on oil alone. And I can save on the membership with 2 referrals to the organization. They also discount propane. Website is: http://oilco-op.com/. Toll free phone is: 1-860-561-6011.

Discount prices on reading glasses are available at Dollar Store , Dollar General, Family Dollar, Dollar Tree , and Dollar General to name a few.

National Association of Area Agencies on Aging  is an umbrella organization advocating to ensure that needed resources and support services are available to older Americans.


Prescription Drugs ideas provided by NRLN members.

  • Here are two ways you can verify that your purchase of prescription drugs are from legitimate pharmacies:
    1. Check the National Association of Boards of Pharmacy’s website to see whether your pharmacy is a verified Internet practice pharmacy site.
    2. Visit LegitsScript and type in the website of the online pharmacy to see whether it’s approved.

  • My Tier 4 prescription drugs are reduced by approximately 60% by using Canada Drugs. The website is: https://www.canadadrugs.com/; the toll free phone is: 1-800-226-3784; the email address is info@canadadrugs.com. The medicine is identical to that I receive in the U.S. Their service is excellent and it is ease talk with them. I use the Canadian pharmacy for long-term prescriptions and not for short-term prescriptions that one would take for the flu. The only negative is it takes longer to receive the prescription because it is mailed. However, with proper planning this is not a problem.
    • Health Link offers a prescription drug savings card.
      • Costco and Sam’s Club offer many prescription drugs at discounts without having to be a member. Simply enter the store and say you are going to the pharmacy. Or, you may order online without being a member.  Costco toll free phone is: 1-800-607-6861; Costco Drug pricing webpage.
      • Sam’s Club toll free phone is: 1-888-746-7726
        • Discounts on many prescription drugs are offered by www.goodrx.com . You print the coupons for the pharmacy of your choice. 
          • Pharmacy Saver is a cost-savings prescription drug program available to Medicare Advantage plan members with Prescription Drug coverage. You may be able to pay less than your plan co-pay for your prescription drugs with the Pharmacy Saver program. To look up your prescription drugs and find a Pharmacy Saver location near you go to: https://www.unitedpharmacysaver.com/ .
            • In Nov 2013 I paid a $200 copay for a 30 gram tube of Carac .5% Fluorouracil (manufactured by Valeant) and last month my dermatologist wrote a prescription for me to buy more from COSTCO. The news is: Manufacture’s price to COSTCO (according to their pharmacist) for a 30 gram tube: 
              $2,900
              My copay – I did not ask
              The COSTCO pharmacist offered a generic 30 gram tube of Fluorouracil .5%:
              Price to COSTCO        
              $1,300
              My copay - $840
              What a deal!
              I called my dermatologist who referred me to Philidor Pharmacies (toll free phone: 1-855-744-5791; website: http://www.philidorrxservices.com) with pharmacies based in Hatboro, PA and Los Angeles, CA and Service Centers in Hatboro and Phoenix, AZ. Philador specializes in dermatological products that most Medicare D plans or other plans will not cover. Philador told me that they negotiate pricing with Valeant (and maybe others soon) who want to avoid distribution channel markups, including retail pricing for high cost drugs. Without the benefit if Medicare D or any other insurance, I paid $75 for the Carac brand, 30 grams, .5% and no charge 3-5 day delivery.
              • Type Prescription Drug Savings in Google Search or Bing Search.
              • Use the Medicare site every November and plug in all the drugs to get annual cost which can vary significantly between companies. Don't forget to check the mail order price which is usually much less. I have one plan for myself and another for my wife. My plan would cost more for the drugs she takes and visa versa. Don't just go with the plan you had last year. I think drug companies rely on automatic repeat business because it is a pain to understand the plan differences. I have changed several times over the years because the drug companies play games with pricing and placing drugs in tiers. There are no government guidelines for what drug goes in what tier. The same drug can be in different tiers based on dosage. I have to think the more popular doses would be in a higher tier.
              • My wife was prescribed capsules for one of her meds. Capsules can be much more costly than tablets. Check with your doctor because frequently they aren't aware of these subtle facts.
              • Extended Relief (ER) meds can cost more than taking the same drug several times a day. One of my meds was ER had a copay of $90. So I take a reduced dose which is non ER three times a day for $10 copay.
              • If a drug is newly prescribed during the year and not on the formulary ask for an exception. I did that and they obliged. Don't be afraid to lean on them. They want your business. You can also ask for a tier reduction if the copay is high.
              • Don't look at whether or not a company has a deductible. Look at the annual cost unless cash flow early in the year is a problem. One plan can have a deductible and larger monthly premium than other plans and still be the best on an annual basis.
              • I spend about 20 hours a year working the ever changing Medicare D site. It is tedious but I like to know as much as I can. I have helped non computer literate friends of mine save a lot of money by getting them in the best plan for the meds they take.
              • Massachusetts has a group of trained people called SHINE. They are required to train for 40 hours and are at senior center every year to assist in choosing a Medicare Part D plan.
              • One thing I will recommend to all seniors on Medicare Part D, that enroll with a provider who has their primary medications in Tier 1. I discovered that different Medicare Part D providers put the same medication in different Tiers. A medication in Tier 1 is much cheaper than same medication in Tier 2. Also some providers reduce the cost to zero if 3 month’s supply is ordered with their mail order pharmacy. For example, I get Tamsulosin (generic for Flowmax) completely at zero cost form the Humana Medicare Part D plan.

              Special Interests Links:

              National and Local Weather

              The Weather Channel http://www.weather.com/


              Sports

              Word Press Sports Links http://www.watchlivenba.com/wordpress_links.htm

              NCAA College Sports http://www.ncaa.com/
              Major League Baseball http://mlb.mlb.com/home
              National Football League http://www.nfl.com/
              National Basketball Association http://www.nba.com/
              Professional Golf Association http://www.pga.com/home/
              Ladies Professional Golf Association http://www.lpga.com/
              ESPN http://espn.go.com/
              Fox Sports http://msn.foxsports.com/


              Entertainment

              Access Hollywood http://www.accesshollywood.com/
              Entertainment Tonight http://www.etonline.com/
              Extra http://www.extratv.com/
              Frugal Vacation Guide
              Inside Edition http://www.insideedition.com/
              People Magazine http://www.people.com/people/
              US Magazine http://www.usmagazine.com/


              Home, Cooking, Gardening, Arts & Crafts:

              Home & Garden TV

              Food Network

              Do It Yourself

              Gardening

              Arts & Crafts

              Preserving and Passing on Your Historic, Precious Heirlooms


                Suggestions and comments about this website should be addressed to webmaster@nrln.org   Last updated:February 4, 2017