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NRLN WORKS TO PROTECT YOUR RETIREMENT INCOME AND HEALTH CARE SECURITY

The National Retiree Legislative Network (NRLN) is dedicated to senior Americans over age 50. Two million of us welcome you to our website and urge you to share www.nrln.org in emails, with your Facebook Friends and your Twitter Followers. We provide timely news, important information and tools that enable you to help us lobby Congress for reliable pension and Social Security Income and lower cost Health Care Benefits and Medicare. There are over 50 million of us over age 65 now, our children will join 75 million by 2035, and our great grandkids 100 million by 2060. We need to help each other now and they need us to insure their futures NOW!

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. Donations to AREF are tax deductible. Learn more about AREF, at www.SeniorsAREF.org.

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.

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PRESIDENT'S FORUM
And Other Important Messages
Postings from NRLN Facebook Page Are Often Included Here

Opportunity Missed for Lower Priced Drugs from Canada

President Donald Trump appeared in the White House Rose Garden on Oct. 1 to tout to reporters the U.S.-Mexico-Canada Agreement (USMCA) to replace the North American Free Trade Agreement (NAFTA).

As President Trump identified several features of the trade agreement to the press, he commented, “We also provide brand new intellectual property protection for biologic drugs. We want our drugs to be made here. When you talk prescription drugs we don’t like getting them from foreign countries. We don’t know what is happening with those drugs, how they are being made.”

The NRLN would have preferred the President to say that since prescription drugs are 40% to 60% less expensive in Canada there is an agreement to allow safe, lower priced drugs made in America to be reimported from Canada back to the USA at the lower price.

Since President Trump has often stated that reducing prescription drug prices is a top priority for his administration, an opportunity was missed in the trade negotiations.

A Congressional Budget Office analysis estimated a bill that failed in the U.S. Senate in August 2017 to allow Americans to buy prescription drugs from Canada and other countries would have saved the taxpayers $6.8 billion over 10 years.

The President’s staff should inform him that just because a prescription drug is “made in America”, it does not mean that the drug’s ingredients were made in this country.

Frances Richmond, chairwoman of the Department of Regulatory and Quality Sciences at the University of Southern California's School of Pharmacy, acknowledged in a May 15 article in the Los Angeles Times that some drug companies probably don't want people knowing that 80% of active ingredients come from China and India.

President Trump and his Canadian and Mexican counterparts are expected to sign the USMCA within 60 days. Congress will need to consider whether to approve the agreement and speculation is that it may not happen until next year. The NRLN will continue to lobby Congress to allow the importation of safe, lower priced drugs from Canada.

Bill Kadereit, President
National Retiree Legislative Network


PHARMA CONTRIBUTIONS TO CONGRESS

money Learn About the Dollars Members of Congress Are Receiving from Pharma How much are your U.S. Representatives and Senators taking as campaign contributions from the Pharmaceutical and Health Products Industry? Could these be a reason why bills to reduce the price of prescription drugs are not being passed? Click here to see data that the NRLN has compiled from OpenSecrets.Org, Center for Responsive Politics. The contributions are for each 2-year election cycle. Note that Representatives run every cycle; Senators every 6 years (3 cycles), one third every 2 years. For the current election cycle we are showing contributions to all candidates, in congress now, and others.




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.


READ MEMBERS COMMENTS 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.



Medicare Parts A & B Premiums and Deductibles for 2019

The Centers for Medicare and Medicaid Services (CMS) has announced Medicare Parts A and B premiums and deductibles for 2019.

The Medicare Part A inpatient deductible that beneficiaries will pay when admitted to the hospital is $1,364 in 2019, an increase of $24 from 2018. About 99 percent of Medicare beneficiaries do not have a Part A premium since they have at least 40 quarters of Medicare-covered employment. Medicare Part A covers inpatient hospital, skilled nursing facility, and some home health care services.

The standard Medicare Part B monthly premium for 2019 will be $135.50, an increase of $1.50 per month over 2018. The annual deductible for Medicare Part B beneficiaries will be $185 in 2019, an increase of $2 from 2018. Medicare Part B covers physician services, outpatient hospital services, certain home health services, durable medical equipment, and certain other medical and health services not covered by Medicare Part A.

An estimated 2 million Medicare beneficiaries will pay less than the full Part B standard monthly premium amount in 2019 due to the statutory hold harmless provision, which limits certain beneficiaries’ increase in their Part B premium to be no greater than the increase in their Social Security benefits. High earners pay significantly more. Medicare uses modified adjusted gross income (MAGI) from a participant’s tax return from two years ago to determine premiums.

For a fact sheet on the 2019 Medicare Parts A & B premiums and deductibles, click here.


Social Security Checks Will Increase 2.8% in 2019

The Social Security Administration (SSA) announced on Oct. 11 that the cost-of-living adjustment (COLA) for 2019 will be 2.8%, the largest increase since 2012 when the boost was 3.6%. The increase in 2018 was 2.0%.

For those who are collecting an average Social Security benefit of about $1,400 a month, the 2019 COLA will amount to an extra $39 per month. The Medicare Part B premiums for next year have not yet been announced.

The size of a COLA is linked to the Consumer Price Index (CPI), a measure of inflation. The announcement from the SSA comes after the release of the CPI for September which showed a 2.3% increase in the cost of all items over the past year.

The SSA said that the maximum amount of income subject to Social Security taxes in 2019 will be $132,900, up from $128,400. The NRLN’s Legislative Agenda calls for amending tax codes to eliminate federal and state taxes on all Social Security income and/or allow a tax credit for taxes withheld.

The NRLN’s “Grand Bargain” proposal would close the Social Security and Medicare funding deficit of 3.66% and save both programs for the next 75 years.


instagramInvitation to View NRLN Photos on Instagram

You are invited to visit the new NRLN Instagram page at www.instagram.com/photosnrlnorg/. The page has photos from the NRLN’s September 2018 Fly-In and March 2018 Leadership Conference in Washington, DC. Click on each photo to read about who is in the photo and what is happening.

You do not need an Instagram account to visit the NRLN’s page. Instagram can be accessed with an electronic tablet, smartphone or computer. If you have and Instagram account, I encourage you click on the “Follow” button.

Instagram is the NRLN’s latest use of social media to reach out to more Americans. We also use our website www.nrln.org; www.facebook.com/nrln1; www.twitter.com/nrln3, and email, contact@nrln.org.

We will use our website, emails and social media messaging to keep you fully informed about current issues relevant to retirees and prospective retirees, including our children and grandchildren.

And, we need your committed support to: NRLN Action Alerts, www.nrln.org/SE.html#/ Contribute to NRLN’s lobby effort, www.nrln.org/ccdirect.htm

Make a tax-deductible donation to our American Retirees Education Foundation (AREF) research, www.seniorsaref.org/donations.html


IN THE NEWS...

The articles and opinion pieces below are for information and are not necessarily a reflection of the NRLN’s position on issues. The NRLN is nonpartisan and its positions on retirement issues are presented in its Legislative Agenda and white papers that can be accessed from the Legislative Agenda tab.

Drugmakers Funnel Millions To Lawmakers; A Few Dozen Get $100,000-Plus
By Emmarie Huetteman & Sydney Lupkin; Kaiser Health News ~ Oct 16, 2018

Wave Of GOP Ads Promising To Protect Preexisting Conditions Coverage Highlight Potency Of Campaign Issue On Midterms
Via KHN Morning Briefing; Kaiser Health News ~ Oct 16, 2018

Here's Why You Can Feel Optimistic About The Future Of Healthcare
By Erika Fry; Fortune ~ Oct 16, 2018

Opinion: Medicare for All is disastrous for American seniors and taxpayers
From David Bossie; The Hill ~ Oct 16, 2018

Opinion: Never mind the Social Security increase, seniors are in trouble — here’s why
From Paul Brandus; MarketWatch ~ Oct 16, 2018

Investigation On Medicare Advantage Plans Finds Widespread, Persistent Problems Related To Denials Of Care
Via KHN Morning Briefing; Kaiser Health News ~ Oct 15, 2018

Companies With Newly Flush Pensions See Chance to Unload the Risk
By Tatyana Shumsky; The Wall Street Journal ~ Oct 15, 2018

Sears' Bankruptcy, The PBGC's Debt And Your Retirement
From Elizabeth Bauer; Forbes ~ Oct 15, 2018

Half Of Democratic Ad Spending Hits GOP On Healthcare
From Bruce Japsen; Forbes ~ Oct 15, 2018

‘Somebody Needs To Fix It’: As Each Party Locks In Health Care Rhetoric, Many Voters Just Want A Solution
Via KHN Morning Briefing; Kaiser Health News ~ Oct 15, 2018

Opinion: How The “A-Word” Might Affect Your Finances
From Buddy Gore III; Forbes ~ Oct 15, 2018

Opinion: Employers serve a key role in employee retirement plans
From Jack Towarnicky; The Hill ~ Oct 15, 2018

When does the ‘affordable’ in the Affordable Care Act kick in?
From Merrill Matthews; The Hill ~ Oct 14, 2018

Here's What Medicare Part B Premiums Will Be in 2019
By Matthew Frankel, CFP; The Motley Fool ~ Oct 13, 2018

Medicare Advantage Plans Found to Improperly Deny Many Claims
By Robert Pear; The New York Times ~ Oct 13, 2018

Opinion: Medicare-for-all? Without action, there won’t be Medicare at all
From Carter Eskew; The Washington Post ~ Oct 13, 2018

Why Not Just Expand Social Security?
From Teresa Ghilarducci; Forbes ~ Oct 13, 2018

Trump Administration Opened Door To Step Therapy And Insurance Giant Plans To Rush In
Via KHN Morning Briefing; Kaiser Health News ~ Oct 12, 2018

Premiums Drop For First Time On Most Popular ACA Plans, Possibly Muddling Health Care Rhetoric Just Before Midterms
Via KHN Morning Briefing; Kaiser Health News ~ Oct 12, 2018

Lawmakers Publicly Shame Drug Distributors For Role In Opioid Crisis. But As Candidates They Welcome Their Money.
Via KHN Morning Briefing; Kaiser Health News ~ Oct 12, 2018

Trump set to force drugmakers to post prices in ads
By Dan Diamond & Sarah Karlin-Smith; Politico ~ Oct 12, 2018

The bipartisan PACT Act would ensure access to life-saving bone marrow transplants for Medicare beneficiaries
From Brian Lindberg; The Hill ~ Oct 12, 2018

Opinion: 10 Things Everyone Must Know About Taxes
From Maryalene LaPonsie; US News & World Report ~ Oct 12, 2018

Social Security Benefits Will Rise 2.8% In 2019, While Maximum Taxable Earnings Will Increase 3.5%
By Ashlea Ebeling; Forbes ~ Oct 11, 2018

Obamacare premiums will get cheaper for the first time
By Katie Lobosco & Tami Luhby; CNN ~ Oct 11, 2018

Patients want doctors to talk to them about more than just physical symptoms, medications
By Joanne Finnegan; FierceHealthcare ~ Oct 11, 2018

Higher rates both a sign of US economic might and risk to it
By Josh Boak; The Associated Press ~ Oct 11, 2018

Social Security checks will grow in 2019 as inflation rises
By Ricardo Alonso-Zaldivar; The Associated Press ~ Oct 11, 2018

Justice Department approves $69B Aetna-CVS merger
By Jessie Hellmann; The Hill ~ Oct 10, 2018

Opinion: Donald Trump: Democrats 'Medicare for All' plan will demolish promises to seniors
From Donald J. Trump; USA TODAY ~ Oct 10, 2018

Senate defeats measure to overturn Trump expansion of non-ObamaCare plans
By Peter Sullivan; The Hill ~ Oct 10, 2018

Opinion: Trump administration rigging the game, and your retirement fund could be the loser
From Paul Bland; The Hill ~ Oct 10, 2018

Trump Signs Bills Banning 'Gag Clauses,' Helping Consumers Save on Drugs
By Lisa L. Gill, Consumer Reports – Oct. 10, 2018

Dems to force health care vote weeks before Nov. midterms
By Peter Sullivan; The Hill ~ Oct 10, 2018

Opinion: What Older Voters Want In The Midterm Elections
From Richard Eisenberg; Forbes ~ Oct 10, 2018

Social Security beneficiaries set to get biggest bump in seven years
By Jeffry Bartash; MarketWatch ~ Oct 10, 2018

Trump officials plan maintenance downtime for healthcare.gov during ObamaCare sign-ups
By Peter Sullivan; The Hill ~ Oct 09, 2018

Republicans Adopt A Health Care Vision
From John C. Goodman; Forbes ~ Oct 09, 2018

Republicans Are Campaigning to Save a Part of Obamacare They Fought to Destroy
By Emily Price; Fortune ~ Oct 09, 2018

Nearly Half Of Democrats’ 2018 Ads Mention Health Care, While GOP Candidates Shy Away. Either Way, Many Don’t Name The ‘ACA.’
Via KHN Morning Briefing; Kaiser Health News ~ Oct 09, 2018

As Open Enrollment Begins, Record Medicare Advantage Growth Expected
From Bruce Japsen; Forbes ~ Oct 09, 2018

Opinion: Why retirees should feel very worried right now
From Paul Brandus; MarketWatch ~ Oct 09, 2018

Medicare Advantage Plans Shift Their Financial Risk To Doctors
By Phil Galewitz; Kaiser Health News ~ Oct 08, 201

Trump's Executive Order On Retirement Security: What To Know
From Brian Menickella; Forbes ~ Oct 08, 2018

Possible Removal Of Pre-Existing Conditions Protections
From Joshua Cohen; Forbes ~ Oct 08, 2018

Opinion: As Midterms Approach, Republicans Flee Their Anti-Obamacare Past
From Bruce Japsen; Forbes ~ Oct 07, 2018

The Smart Social Security Move President Trump Just Made
By Dan Caplinger; The Motley Fool ~ Oct 06, 2018

This Retiree Trap Can Send Your Social Security Benefits to the IRS
By Dan Caplinger; The Motley Fool ~ Oct 05, 2018

New Era of Rising Rates Finally Dawns On U.S. Treasury Investors
By Emily Barrett; Bloomberg ~ Oct 06, 2018

An Unusual Strategy: This PAC On Drug Prices Is Sinking Millions Into Races It Knows It Can’t Impact
Via KHN Morning Briefing; Kaiser Health News ~ Oct 05, 2018

Study: Insurers returning to pre-ObamaCare profitability
By Jessie Hellmann; The Hill ~ Oct 05, 2018

Opinion: Why Cyber-Criminals Are Attacking Healthcare -- And How To Stop Them
From Kate O'Flaherty; Forbes ~ Oct 05, 2018

Opinion: Is A Hike In Social Security Retirement Age Really Just A Benefit Cut?
From Elizabeth Bauer; Forbes ~ Oct 05, 2018

Opinion: How To Avoid A Healthcare Surrogate Tragedy
From Alan Gassman; Forbes ~ Oct 04, 2018

Why retirees' tax rates may be higher than they expect
By Darla Mercado; CNBC ~ Oct 05, 2018

New Trade Deal Blocks Prescription Drug Imports to U.S.
By Byran Bowman, The Global Post.com – Oct 2, 2018

Some Voters Skeptical Of Republicans’ Promises To Protect Preexisting Conditions As GOP Tries To Dismantle Health Law In Court
Via KHN Morning Briefing; Kaiser Health News ~ Oct 04, 2018

Focus On ACA Or Go All In For ‘Medicare For All’? Democrats Divided Over Path To Take On Health Care
Via KHN Morning Briefing; Kaiser Health News ~ Oct 04, 2018

Without Safety Net Of Kids Or Spouse, ‘Elder Orphans’ Need Fearless Fallback Plan
By Judith Graham; Kaiser Health News ~ Oct 04, 2018

Regular aspirin use can lower risk for ovarian, liver cancers
By Allen Cone; United Press International ~ Oct 04, 2018

Pharma Holds Breath, Bracing For A Possible Blue Wave To Take The House
Via KHN Morning Briefing; Kaiser Health News ~ Oct 03, 2018

The Health 202: Here's where Democrats are going wrong in campaigning on preexisting conditions
By Paige Winfield Cunningham; The Washington Post ~ Oct 03, 2018

Why Congress is poised to give the drug industry a $4B windfall
By Sarah Karlin-Smith; Politico ~ Oct 02, 2018

One Of Nation’s Largest Dialysis Providers Agrees To $270M Settlement Over Medicare Advantage Fraud
Via KHN Morning Briefing; Kaiser Health News ~ Oct 02, 2018

One Of Nation’s Largest Dialysis Providers Agrees To $270M Settlement Over Medicare Advantage Fraud
Via KHN Morning Briefing; Kaiser Health News ~ Oct 02, 2018

Social Security, Medicare oversight posts vacant for 3 years
By Ricardo Alonso-Zaldivar; The Associated Press ~ Oct 02, 2018

Why Americans Are Retiring Later
From Peter R. Orszag; Bloomberg ~ Oct 02, 2018

Can Bonds Disrupt Your Retirement?
From Nick Guida; Forbes ~ Oct 02, 2018

Why Social Security’s annual increase doesn’t actually keep up with cost of living
By Paul Salmon, PBS News Hour – Oct 2, 2018

Trump Tells Voters Preexisting Condition Protections Are Safe Even As His Administration Works To Get Rid Of Them
Via KHN Morning Briefing; Kaiser Health News ~ Oct 01, 2018

Opinion: Inequality Looms As Dark Cloud For Economy, Warns Financial Crisis CFTC Chief
From Ted Knutson; Forbes ~ Oct 01, 2018

Opinion: How To Choose A Health Insurance Plan This Fall
From Erik Carter; Forbes ~ Oct 01, 2018

Medicare upgrades its website ahead of sign-up season
By Ricardo Alonso-Zaldivar; The Associated Press ~ Oct 01, 2018

Why the most important Social Security date of the year is Oct. 11
By Sean Williams, TMF; USA TODAY ~ Oct 01, 2018

Congress Should Help Americans Delay Claiming Social Security
From Teresa Ghilarducci; Forbes ~ Sep 29, 2018

How you answer this question will determine how well you live in retirement
By Lorie Konish; CNBC ~ Sep 30, 2018

Supreme Court set to take up case on disproportionate-share hospital payments
By Paige Minemyer; FierceHealthcare ~ Sep 28, 2018

8 Questions About Social Security Answered as Election Day Nears
By Tara Siegel Bernard; The New York Times ~ Sep 28, 2018

House Pushes Through GOP’s Tax Reform 2.0
By Evie Fordham; The Daily Caller ~ Sep 28, 2018

Opinion: How Retirement Housing Will Change For The Better
From Chris Farrell; Forbes ~ Sep 28, 2018

Rite Aid's PBM Key To Any Revival
From Bruce Japsen; Forbes ~ Sep 28, 2018

Azar Touts Trump’s ‘Decisive Action’ On Health Law, But Experts Say It’s States’ Work That’s Stabilizing Marketplace
Via KHN Morning Briefing; Kaiser Health News ~ Sep 28, 2018

The Health 202: HHS head: Trump saved Obamacare
By Colby Itkowitz; The Washington Post ~ Sep 28, 2018

Editorial: Undermining the Rationalization for the High Cost of Medications
Joe Graedon, The People’s Pharmacy, Sept 27, 2018

Opinion: What Congress Might Do On Taxes Before Christmas
From Dean Zerbe; Forbes ~ Sep 27, 2018

Opinion: Time to pass tax reform 2.0
From Grover Norquist & Alex Hendrie; The Hill ~ Sep 27, 2018

HHS chief dismisses 'Medicare for all' as 'too good to be true'
By Nathaniel Weixel; The Hill ~ Sep 27, 2018

Democrats Vow To Subpoena Health Officials, ‘Undo’ Republican ACA Policies If Blue Wave Takes The House
Via KHN Morning Briefing; Kaiser Health News ~ Sep 27, 2018

Trump health chief: Premiums to drop for popular ACA plan
By Ricardo Alonso-Zaldivar; The Associated Press ~ Sep 27, 2018

Opinion: Time to stop taxing inflation
From James Martin & Saul Anuzis; The Hill ~ Sep 27, 2018

Medicare prescription drug coverage: You may need a new plan
By Steve Vernon; MoneyWatch ~ Sep 27, 2018

Aetna sells Medicare drug business, clearing way for $69 billion CVS merger
By Michael Burke; The Hill ~ Sep 27, 2018

Before the death of a spouse, here's how to prepare a financial plan for living alone
By Robert Powell; USA TODAY ~ Sep 26, 2018

Seniors Win, Drug Companies Lose With Excluded Provision In Congress’s Finalized Opioid Package
By Evie Fordham; The Daily Caller ~ Sep 26, 2018

4 Tips About Having The Money Talk With A Loved One
From Larry Light; Forbes ~ Sep 26, 2018

Life-Saving Air Ambulance Rides Often Come With Life-Altering Bills. Can Congress Do Anything To Help?
Via KHN Morning Briefing; Kaiser Health News ~ Sep 26, 2018

Healthcare employee misuse and theft of pills totaled $164 million this year
By Jeff Lagasse; Healthcare Finance ~ Sep 26, 2018

Some drugs, supplements taken together can pose health risk
By Allen Cone; United Press International ~ Sep 25, 2018

Big Pharma Boosts Drug Prices As Supplies Run Low, Study Reveals
From Arlene Weintraub; Forbes ~ Sep 26, 2018

Medicare Eases Readmission Penalties Against Safety-Net Hospitals
By Jordan Rau; Kaiser Health News ~ Sep 26, 2018

Report Finds $3.1 Trillion in Savings for Taxpayers
By Elizabeth Harrington; The Washington Free Beacon ~ Sep 26, 2018

There's a new drug crisis harming Americans
From Lois M. Platt; The Hill ~ Sep 25, 2018

Here's How Nearly 20% of Medicare Enrollees Put Their Health at Risk
By Maurie Backman; The Motley Fool ~ Sep 25, 2018

Health data breaches on the rise
By Linda Carroll; Reuters ~ Sep 25, 2018

Medicare open enrollment: Beware of these two major traps
By Steve Vernon; Moneywatch ~ Sep 25, 2018

AP investigation: Drug prices going up despite Trump promise
By Linda A. Johnson & Nicky Forster; The Associated Press ~ Sep 24, 2018

To Include Or Not Include Drug Prices In DTC Ads
From Joshua Cohen; Forbes ~ Sep 24, 2018

IRS to retirees: Check your pension and Social Security withholdings ASAP!
From Michelle Singletary; The Washington Post ~ Sep 24, 2018

GOP plays defense on ObamaCare’s pre-existing conditions
By Peter Sullivan; The Hill ~ Sep 23, 2018

Don't fall for the latest fake check scams
By Kim Komando; Komando.com ~ Sep 15, 2018

Hospitals’ Secret Contracts With Insurers Are Keeping Health Care Expensive: Report
By Evie Fordham; The Daily Caller ~ Sep 23, 2018

Ruling on Health Care Subsidies Could Prove Costly for Government
By Robert Pear; The New York Times ~ Sep 22, 2018

Opinion: How a bold new Disability Insurance proposal would benefit individuals with disabilities and taxpayers
From Rachel Greszler; The Hill ~ Sep 22, 2018

Opinion: Tax Reform 2.0 will help more workers get on track for retirement
From Christopher A. Iacovella; The Hill ~ Sep 21, 2018

Opinion: Before You Buy Long Term Care Insurance, Check Out These Alternatives
From John E. Girouard; Forbes ~ Sep 22, 2018

Kudlow suggests entitlement reform is coming, which is just what Democrats wanted to hear as they hammer GOP
Jacob Pramuk, CNBC – Sept 18 2018

Alex Azar Came To HHS Ready To Execute A Four-Point Health Plan. Then The Zero-Tolerance Crisis Happened.
Via KHN Morning Briefing; Kaiser Health News ~ Sep 21, 2018

Trump signs first three-bill spending package for FY 2019
By David Sherfinski; The Washington Times ~ Sep 21, 2018

Groups say Medicare discounts threatened in opioid bill
By Ricardo Alonso-Zaldivar; The Associated Press ~ Sep 21, 2018

America’s looming Alzheimer’s crisis—and how to handle it
From Ann Norwich; The Hill ~ Sep 21, 2018

PBGC director’s confirmation hearing set for Sept. 27
By Hazel Bradford; Pensions & Investments ~ Sep 21, 2018

New U.S. tax law could create underpayment headaches for retirees
From Mark Miller; Reuters ~ Sep 21, 2018

Lawmakers consider easing costs on drug companies as part of opioids deal
By Peter Sullivan; The Hill ~ Sep 20, 2018

OMB healthcare official: Seeking simple solutions on healthcare policy is a ‘fallacy’
By Paige Minemyer; FierceHealthcare ~ Sep 20, 2018

Experts Knock Down Trump’s Attempt To Claim Credit For Modest Premium Increases Under Health Law
Via KHN Morning Briefing; Kaiser Health News ~ Sep 20, 2018

Some Americans hesitant to feel 'economically secure' 10 years after recession, says pollster
By Julia Manchester; The Hill ~ Sep 20, 2018

Medicare supplement plans are changing: What you need to know
From Gail MarksJarvis; Reuters ~ Sep 20, 2018

Does Pharma Hike Prices During Med Shortages?
By Dennis Thompson, HealthDay; WebMD ~ Sep 19, 2018

Senators Unveil Legislation To Protect Patients Against Surprise Medical Bills
By Rachel Bluth; Kaiser Health News ~ Sep 19, 2018

Opinion: Trump and the fact-checkers are both missing the bigger point about Social Security’s health
From Brenton Smith; MarketWatch ~ Sep 19, 2018

House GOP bill a mixed bag for retirement savers
From Mark Iwry; The Hill ~ Sep 18, 2018

Determining if a message from Social Security is a scam
By Mary Beth Franklin; InvestmentNews ~ Sep 19, 2018

How the GOP fixed the worst of ObamaCare
By Chris Pope; The Hill ~ Sep 19, 2018

Conservatives left frustrated as Congress passes big spending bills
By Niv Elis; The Hill ~ Sep 19, 2018

'Multiemployer' Pension Hole Keeps Getting Deeper
By Andrew G. Biggs; RealClear Policy ~ Sep 19, 2018

Congress has a chance to improve insurance options for people with kidney failure and help fund opioid crisis treatment
From LaVarne A. Burton, Hrant Jamgochian & Kevin Longino; The Hill ~ Sep 18, 2018

Opinion: Retirement Is In Peril For Most Working Class Americans, Warns New Report
From Ted Knutson; Forbes ~ Sep 18, 2018

Government health monitoring is causing physicians to leave the medical practice
From Twila Brase; The Hill ~ Sep 18, 2018

Opinion: It's Not Too Soon For Taxes: 4 Moves You Can Make Now
From Mark Avallone; Forbes ~ Sep 18, 2018

The Awful Truth About Expanding Social Security Benefits
By Sean Williams; The Motley Fool ~ Sep 18, 2018

Industry, Advocacy Groups Sue Administration Over Short-Term Plans They Say Will Lead To Unfair Competition
Via KHN Morning Briefing; Kaiser Health News ~ Sep 17, 2018

Opinion: Medicare Advantage Plan Proposed Use Of Step Therapy For Part B Drugs
From Joshua Cohen; Forbes ~ Sep 17, 2018

Cigna-Express Scripts merger gets Justice Department approval
By Nathaniel Weixel; The Hill ~ Sep 17, 2018

CMS proposes rule to streamline Medicare compliance
By Paige Minemyer; FierceHealthcare ~ Sep 17, 2018

New Medicare Advantage Tool To Lower Drug Prices Puts Crimp In Patients’ Choices
By Susan Jaffe; Kaiser Health News ~ Sep 17, 2018

Here's Some Potential Good News About Required Minimum Distributions
By Maurie Backman; The Motley Fool ~ Sep 16, 2018

Opinion: Apple’s watch and the future of medical care
From Dr. Marc Siegel; The Hill ~ Sep 16, 2018

Opinion: Obamacare And Big Employer Premium Rate Hikes Below 5%
From Bruce Japsen; Forbes ~ Sep 16, 2018

Study: Seniors Should Think Twice Before Reaching For The Aspirin Bottle
By Evie Fordham; The Daily Caller ~ Sep 16, 2018

Opinion: Socialized Medicine — The Orphan Of The New Deal
From Jim Martin; The Daily Caller ~ Sep 15, 2018

Opinion: Health and housing gap for seniors is far larger and more expensive than we think
From Margaret A. Murray; The Hill ~ Sep 14, 2018

IRS grants tax extensions to Hurricane Florence victims
By Jackie Wattles; CNN ~ Sep 15, 2018

Opinion: Replacing the 4% Rule For Retirees
From Jack Guttentag; Forbes ~ Sep 15, 2018

Republicans Nix Trump’s Idea To Require Drug Prices In TV Ads As Lawmakers Wrap Up Work On Spending Package
From KHN Morning Briefing; Kaiser Health News ~ Sep 14, 2018

Health groups sue to block Trump expansion of non-ObamaCare plans
By Peter Sullivan; The Hill ~ Sep 14, 2018

Projected 2019 Tax Rates, Brackets, Standard Deduction Amounts And More
By Kelly Phillips Erb; Forbes ~ Sep 14, 2018

Opinion: The New 'Expand Social Security' Caucus Says That Social Security Is Insurance. No, It's Not.
From Elizabeth Bauer; Forbes ~ Sep 13, 2018

Opinion: A Big Rise for Your 2019 Social Security Benefits Is Almost a Sure Thing
By Dan Caplinger; The Motley Fool ~ Sep 14, 2018

Legislators Reach Government Funding Agreement Through December 7
By Niels Lesniewski; Roll Call ~ Sep 13, 2018

States are trying to lower drug prices. Here's how their efforts are being thwarted
By Caitlin Burke; FierceHealthcare ~ Sep 13, 2018

House GOP blocks Trump-supported drug pricing provision from spending bill
By Peter Sullivan; The Hill ~ Sep 13, 2018

More than 150 Dems launch caucus to expand Social Security benefits
By Emily Birnbaum; The Hill ~ Sep 13, 2018

Democrats unite to expand Social Security
From Nancy Altman & Alex Lawson; The Hill ~ Sep 13, 2018

Opinion: How Taxes And Inflation Do A Number On Your Retirement Earnings
From Larry Light; Forbes ~ Sep 13, 2018

Make your retirement money last when the downturn comes
From Liz Weston; MarketWatch ~ Sep 13, 2018

Opinion: 6 Reasons Why You Need An Estate Plan
From Catherine Schnaubelt; Forbes ~ Sep 13, 2018

Opinion: 7 Surprising Ways Retirement Will Change Your Life. Retirement alters the structure of your days, your friendships and even your marriage.
From Tom Sightings; US News & World Report ~ Sep 13, 2018

Census: Uninsured rate held steady in Trump's first year
By Rachel Roubein; Politico ~ Sep 12, 2018

Poll: Voters of both parties largely support ObamaCare pre-existing condition protections
By Peter Sullivan; The Hill ~ Sep 12, 2018

CBO estimates $34 billion price tag for multiemployer legislation, down from $101 billion
By Hazel Bradford; Pensions & Investments ~ Sep 12, 2018

Finding solutions to recover lost pensions
By Elliot Raphaelson; Chicago Tribune ~ Sep 12, 2018

Opinion: 8 Misconceptions About Health Care Costs in Retirement
From Rachel Hartman; US News & World Report ~ Sep 12, 2018

7 Things You Need To Know About 2018 Required Minimum Distributions
From Matt Carey; Forbes ~ Sep 12, 2018

This property tax strategy can help free up income in retirement
By Lorie Konish; CNBC ~ Sep 12, 2018

Republicans lack votes _ and appetite _ to end ‘Obamacare’
By Alan Fram; The Associated Press ~ Sep 11, 2018

Elder Financial Abuse Will Get Worse As Americans Age
From Teresa Ghilarducci; Forbes ~ Sep 11, 2018

Doctors speak out: CMS gets 15,314 comments on proposed physician Medicare changes
By Joanne Finnegan; FierceHealthcare ~ Sep 11, 2018

Opinion: Medicare's ACOs Saved Nearly $2 Billion Over Three Years, Group Says
From Bruce Japsen; Forbes ~ Sep 11, 2018

Understanding Social Security For The Public Sector: The Windfall Elimination Provision
From Tom R. Hager; Forbes ~ Sep 11, 2018

Trump takes a first step to boost retirement security
By Steve Vernon; CBS News ~ Sep 11, 2018

Drug company CEO calls 400 percent price hike 'moral requirement'
By Jessie Hellmann; The Hill ~ Sep 11, 2018

New scam targeting Medicare users
By Tricia Kean; KTNV.com ~ Sep 11, 2018

Retirees across America are facing a fiscal crisis
By Angela Moore; MarketWatch ~ Sep 11, 2018

UnitedHealthcare wins court case over Medicare Advantage overpayment rule
By Susan Morse; Healthcare Finance ~ Sep 10, 2018

The Remedy For Surprise Medical Bills May Lie In Stitching Up Federal Law
By Michelle Andrews & Julie Appleby; Kaiser Health News ~ Sep 10, 2018

House Republicans target more tax cuts as elections near
By David Morgan; Reuters ~ Sep 10, 2018

Opinion: Trump is wrong, Dems are fighting to save Medicare and Social Security
From Max Richtman; The Hill ~ Sep 10, 2018

Stop Blaming Boomers for Social Security's Mess, and Blame These 6 Things Instead
By Sean Williams; The Motley Fool ~ Sep 09, 2018

The Social Security Scam That Just Won't Die
By Dan Caplinger; The Motley Fool ~ Sep 09, 2018

Could Trump’s Drug Industry Critiques Be Working? Latest Drug Price Trends Are Good For Americans

Opinion: Thanks to the Trump administration, families can rest a little easier this fall
From Sarah Lee; The Hill ~ Sep 08, 2018

IRS Warns Retirees: Act Now To Avoid Surprise Tax Bill Next April
From Ashlea Ebeling; Forbes ~ Sep 07, 2018

The High Cost Of Hope: When The Parallel Interests Of Pharma And Families Collide
By Emily Kopp & Jay Hancock; Kaiser Health News ~ Sep 07, 2018

AP Exclusive: Stable costs may shift ‘Obamacare’ politics
By Meghan Hoyer & Ricardo Alonso-Zaldivar; The Associated Press ~ Sep 07, 2018

Obama calls 'Medicare for all' a 'good' idea
By Jessie Hellmann; The Hill ~ Sep 07, 2018

Judge’s Pointed Questions To Health Law Defenders Over Severability Hints At Which Way Case Will Go
From KHN Morning Briefing; Kaiser Health News ~ Sep 06, 2018

Opinion: New York Life Insurance Brings New Innovations To Long-Term Care Insurance Market
From Jamie Hopkins; Forbes ~ Sep 06, 2018

How the president and Congress can help Americans achieve a secure retirement
From Jana Greer; The Hill ~ Sep 06, 2018

Mayo Clinic, other hospitals launching generic drug maker Civica Rx

Opinion: Aging Parents And The Dangers Of Overmedication
From Carolyn Rosenblatt; Forbes ~ Sep 06, 2018

No immediate ruling in GOP’s latest ‘Obamacare’ lawsuit
The Associated Press ~ Sep 05, 2018

Latest Bid To Kill Health Law Gets Day In Court, Giving Dems A Possible Gift As Midterm Season Enters Final Stretch
From KHN Morning Briefing; Kaiser Health News ~ Sep 05, 2018

McConnell: No plan to try again on ObamaCare repeal soon
By Alexander Bolton; The Hill ~ Sep 05, 2018

Poll: ACA's Patient Protections Gain Popularity Among Democrats And Republicans
From Bruce Japsen; Forbes ~ Sep 05, 2018

Clean Up Your Assets: 3 Tax-Conscious Investment Tips
From Marc Werkmeister; Forbes ~ Sep 05, 2018

Hospitals are the ones marking up drug prices, new PhRMA report says
By Tina Reed; FierceHealthcare ~ Sep 05, 2018

Not Getting Enough Sleep Could Hurt Your Heart
By Emily Price; Fortune ~ Sep 05, 2018

Paul Ryan: House to Make Individual Tax Cuts Permanent
By Theodore Bunker; Newsmax ~ Sep 05, 2018

A Texas Lawsuit Being Heard This Week Could Mean Life Or Death For The ACA
By Julie Rovner; Kaiser Health News ~ Sep 04, 2018

Insurers Pocketing Millions From Medicare By Combing Through Medical Charts For Additional Diagnosis Codes
From KHN Morning Briefing; Kaiser Health News ~ Sep 04, 2018

Required Minimum Distributions: Is There An Unintended Nudge?
From Elizabeth Bauer; Forbes ~ Sep 04, 2018

Insurance tactic drags down U.S. drug prices in second quarter: analyst
By Michael Erman; Reuters ~ Sep 04, 2018

Improved mortality means Social Security benefiting higher earners more – CRR brief
By Hazel Bradford; Pensions & Investments ~ Sep 04, 2018

Is Your Financial Plan Future-Proof? 4 Quick Ways to Plan for the Unexpected
From Ron Carson; Forbes ~ Sep 03, 2018

Surprise! Your Medicare Part D Premium Could Drop in 2019
By Dan Caplinger; The Motley Fool ~ Sep 02, 2018

Nearly 60% Of Americans Surprised By Medical Bills They Thought Were Covered
From Bruce Japsen; Forbes ~ Sep 02, 2018

3 ideas that beat single-payer to reform health care
By Former Gov. Ed Rendell; The Hill ~ Sep 02, 2018

Lieberman: McCain's vote against ObamaCare repeal was a vote against ‘mindless partisanship’
By Morgan Gstalter; The Hill ~ Sep 01, 2018


amazon smile AmazonSmile Program to Benefit the American Retirees Education Program (AREF)

The National Retiree Legislative Network (NRLN) board created the American Retiree Education Foundation (AREF) in 2014 as a 501(c)(3) tax-deductible, nonprofit education foundation to expand the research and educational reach of the NRLN and to enable NRLN to sharpen its focus as an organization lobbying for the passage of federal legislation and regulations that benefit retirees.

The AREF is always seeking ways to increase its funding through individual tax-deductible contributions, grants from public and private foundations, individual tax-deductible bequests and non-traditional ways. AREF funds pay for a number of tasks previously paid for by the NRLN. For example, the updating this month of the white paper on Protecting Pension Assets which is used to educate members of Congress on the need for legislation to prevent pension plan sponsors from using plan assets for non-pension expenses. Access the white paper here.

The AREF has identified a non-traditional way that you can help fund the AREF without costing you anything extra if (when) you make a purchase online from Amazon through its AmazonSmile program designed to provide a percentage of a purchase price to qualified non-profit organizations, such as the AREF. I urge you to read the following information and help provide funding to the AREF should you make an Amazon purchase. Click here to learn more about AmazonSmile.


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