NRLN Villages Chapter Updates

NRLN President Discusses NRLN ‘Grand Bargain Proposal to Save Social Security and Medicare at Villages Chapter’s Aug. 23 Meeting

Members of the NRLN Villages Chapter were the first to hear NRLN President Bill Kadereit’s presentation on the NRLN’s “Grand Bargain” Proposal to Save Social Security and Medicare for the next 75 years. His presentation was on August 23 in the Lincoln Theater at The Villages Laurel Manor Recreation Center.

Congress blocked payroll tax hikes from 1983 to 2018 (35 years), strangling the life out of the Social Security and Medicare programs. Kicking the can down the road, avoiding new taxes, allowed many politicians to be reelected on a “no new taxes” platform.

By 2034, Social Security’s current $3 trillion in asset reserves will be completely depleted. The program will not go bankrupt because workers and employers continue to pay payroll tax on earned income. However, projections are that benefits would be cut between 17% - 21%.

By 2029, the Medicare trust fund for Medicare Part A Hospital Insurance (HI) will be exhausted. Payroll taxes will only cover about 88% of Medicare Part A (hospital) costs. Unlike Part A, beneficiaries pay premiums for Part B (doctors) coverage. But these premiums account for only 23% of the program’s costs. The rest comes out of the federal Treasury.

The goal of the NRLN’s proposal is to make pertinent financial information about Social Security and Medicare available to seniors and to propose and advocate to members of Congress a nonpartisan view to insure how both programs can remain viable for at least the next 75 years by acting to implement easily understood proposals.

The NRLN Grand Bargain proposal is to close the Social Security and Medicare HI 75-year combined deficit gaps of 3.66%, and help fund federal Medicare B and D, and possibly Medicaid and CHIP obligations by these actions:

2.19% + .39% + 1.08% = 3.66%

Savings would be sequestered to protect them from being spent on other federal discretionary programs. Funds would be applied 1st to close the Medicare HI and Social Security combined deficit gaps totaling 3.66% and then be allocated to reduce the Medicare B and then the Medicare D, and then Medicaid and Children’s Health Insurance Program (CHIP) federal obligations.


The NRLN has been watching with serious concern the actions of the Centers for Medicare and Medicaid Services. CMS is using its “innovation center” to undermine traditional Medicare. It is incentivizing insurance companies that receive billions a year in taxpayer subsidies for their Medicare Advantage plans to compete for beneficiaries in traditional Medicare Part A (hospitals) and Part B (doctors). Last year at least two insurers were sued for cheating to collect $400 million in incentive subsidies. Why do insurers deserve subsidies paid for with our payroll taxes?

The Medicare Modernization Act of 2003 gave birth to the Medicare Advantage program with the idea that privatization would cost less than traditional Medicare. However, the federal government pays more for a participant in an insurance company’s Medicare Advantage plan than it does to provide traditional Medicare for a beneficiary. About 21.4 million people are enrolled in Medicare Advantage plans, with 37.7 million in traditional Medicare.

In its announcement this month CMS is going even further to allow insurance companies to attract Americans turning 65 and lure individuals away from traditional Medicare. CMS expanded how it defines the “primarily health-related” benefits that insurers are allowed to include in their 2019 Medicare Advantage policies. Air conditioners for people with asthma, home modifications, rides to medical appointments, healthy groceries, home-delivered meals, etc. are expected be among the new benefits added only to Medicare Advantage coverage when new federal rules take effect next year. There are no similar new benefits and subsidies for Medicare Part A and B.

Also, CMS has announced that it will increase payments in 2019 to insurers offering Medicare Advantage plans by an average of 3.4% next year, allowing them to offer more benefits. That’s well above the 1.84% bump the CMS initially proposed and higher than the 2.95% increase for 2018.


It is highly possible that the actions of the Centers for Medicare and Medicaid Services (CMS) described in the April 11 posting is a deliberate act to privatize Medicare! No action is expected in Congress this year to try to privatize Medicare, but neither has there been any opposition in Congress to CVS paying subsidies to Medicare Advantage insurers and allowing additional benefits to lure those age 65 and older into Medicare Advantage and away from traditional Medicare. However, the CMS subsidies of 2.95% in 2018 and 3.4% in 2019 are affectively creating a “premium support” plan and thus privatization.

A faction in Congress has been trying for years to privatize Medicare, first with a “voucher” plan, and recently with a “premium support” plan. The “premium support” plan is insurance companies’ scam to get federal subsidies that would privatize and completely destroy Medicare. The plan is to refund insurers who would lowball premiums but get to take in huge multi-billion subsidies. The result is that traditional Medicare Part A and Part B will appear less competitive when actually they are a better deal for taxpayers. ELIMINATING MEDICARE ADVANTAGE AND MEDICARE PART A AND PART B IS THE PLAN!

The NRLN believes that the faction who advocates the “premium support” plan and CMS’ subsidies undermining traditional Medicare is wrong. Respond to the NRLN Action Alert by emailing the NRLN’s sample letter, with your thoughts added, to tell your Representative, Senators and President Trump to place a priority on traditional Medicare beneficiaries, not insurance companies who use Medicare Advantage as a “cash cow” and want even larger subsidies offered by a “premium support” plan. Go to and click on the red flashing icon “Respond to an Action Alert”.


Are seniors over age 65 aware that privatization of Medicare is underway now and will implode Medicare A & B plans, making them prohibitively expensive? No!

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NRLN 2018 Survey Had 5,751 Participants

The NRLN 2018 survey which opened on May 14 closed on June 17 with 5,751 participants. The NRLN’s previous survey was in 2016.

Among the 2018 survey participants 90% were older than age 65; 9% were age 55 to 64 and 1% were age 54 or younger. Twenty-three percent have been retired for over 20 years; 26% 16 to 20 years; 19% 11 to 15 years; 17% 6 to 10 years; 11% less than 5 years and 4% are not yet retired.

Responders to the survey retired from or are still working for 442 companies, public entities or self-employed. All 50 states and District of Columbia are represented in the survey’s results. Eighty-one percent of the responders were salaried retirees (such as supervisory, non-supervisory and technical-professionals). Formerly union represented retirees (CWA, IBEW, UAW, airline unions, etc.) were 13% of the survey participants. The balance of the responders were spouses of a retiree, surviving spouse of a retiree and currently employed.

Details on the responses to the survey will be published in the summer issue of the NRLN FOCUS newsletter. NRLN members will be sent an email to notify them when the newsletter has been posted on


The NRLN Villages Chapter works with the National Retirees Legislative Network to protect pension and health care benefits. The NRLN Villages Chapter Leadership Team thanks those who responded to the survey. The results of the survey can be seen here.


Opinion: Are You The Family Caregiver?
From Robert Mauterstock; Forbes ~ Dec 14, 2018

For The Asking, A Check Is In The Mail To Help Pay For Costly Drugs
By Sarah Jane Tribble; Kaiser Health News ~ Dec 13, 2018

Seniors can hire ‘grandkids’ on demand for $20 an hour with this new service
By Jeanette Settembre; MarketWatch ~ Dec 12, 2018

Opinion: Older Voters Have Favored the G.O.P. Can Democrats Pry Some Away?
From Frederick R. Lynch; The New York Times ~ Dec 12, 2018

Poll: 6 in 10 say higher health care premiums are 'major concern'
By Peter Sullivan; The Hill ~ Dec 11, 2018

Opinion: 14 Tips For Making Your Charitable Gift Tax-Deductible In 2018
From Kelly Phillips Erb; Fortune ~ Dec 11, 2018

Study: Statins have low risk of side effects
By Tauren Dyson; United Press International ~ Dec 10, 2018

More blood pressure meds recalled due to carcinogen
By “HealthDay News”; United Press International ~ Dec 09, 2018

OIG: 46% of Medicare Patients in LTACs Experience Harm
By Maggie Flynn; Skilled Nursing News ~ Dec 09, 2018

Millions of Americans Could Face Surprise Emergency Room Bills in January.A contract fight means thousands of doctors may no longer be in-network.
By John Tozzi; Bloomberg ~ Dec 07, 2018

VP Mike Pence on Social Security: "Everything Has to Be on the Table"
By Sean Williams; The Motley Fool ~ Dec 08, 2018

Column: Pfizer and Merck are raising drug prices again, showing that their price cuts were just a sham to mollify Trump
From Michael Hiltzik; Los Angeles Times ~ Dec 06, 2018

Seniors Steamed Over Cuts To SilverSneakers Fitness Program
By Judith Graham; Kaiser Health News ~ Dec 06, 2018

Opinion: Why Retirement Is Broken And Needs To Be Reinvented
From Stephen Chen; Forbes ~ Dec 06, 2018

Column: How to navigate Medicare options as Trump officials boost private plans
By Philip Moeller; PBS ~ Dec 05, 2018

Big Retirement Losses If The Market Crashes Tomorrow
From Teresa Ghilarducci; Forbes ~ Dec 05, 2018

Hopeful Signs For Elder Care From Trump's HHS Secretary
By “Next Avenue”; Forbes ~ Dec 04, 2018

Physician Practice Roundup—Study finds Americans concerned about hospitals acquiring independent practices
By Joanne Finnegan; FierceHealthcare ~ Dec 04, 2018

GOP balks at Trump drug pricing plan
By Peter Sullivan; The Hill ~ Dec 02, 2018

Dem single-payer fight set to shift to battle over Medicare ‘buy-in’
By Nathaniel Weixel; The Hill ~ Nov 29, 2018

Democrats Taking Key Leadership Jobs Have Pocketed Millions From Pharma
By Emmarie Huetteman; Kaiser Health News ~ Nov 29, 2018

Trump budget director: Medicare, Social Security can be cut without eliminating benefits
By Gabriella Muñoz & Stephen Dinan; The Washington Times ~ Nov 28, 2018

Trump Medicare plan promises lower prescription prices for seniors, but also risks losing coverage of some critical cancer, HIV, depression drugs
By Berkeley Lovelace Jr.; CNBC ~ Nov 27, 2018

Democrats slam 'imaginary Republican tax bill
By David Morgan; Reuters ~ Nov 27, 2018

House proposes ambitious tax package with retirement provisions
By Hazel Bradford; Pensions & Investments ~ Nov 27, 2018

Social Security runs short of money, and ideas fly on how to repair it
By Paula Span, New York Times – Nov 26, 2018

Opinion: The Tax Cuts And Jobs Act: 3 Changes You Should Know
From Frank Marano; Forbes ~ Nov 26, 2018

Six tax deductions you'll lose on your 2018 return
By Darla Mercado; CNBC ~ Nov 21, 2018

Drug industry nervous about Grassley’s new role
By Nathaniel Weixel; The Hill ~ Nov 20, 2018

Volatile stock market spooking some older workers, retirees
By Andrew Soergel; The Associated Press ~ Nov 19, 2018

It’s Official: The 2019 Standard Deduction Is Getting Even Larger
By Matthew Frankel, CFP; The Motley Fool ~ Nov 18, 2018

Pfizer to raise prices on 41 drugs in January
By Jessie Hellmann; The Hill ~ Nov 17, 2018

Bipartisan Senate bill would penalize illegal robocalls
By Tal Axelrod; The Hill ~ Nov 17, 2018

Opinion: Never mind the Social Security increase, seniors are in trouble — here’s why
From Paul Brandus; MarketWatch ~ Nov 17, 2018

The Health 202: Progressive Democrats ready to push 'Medicare for all' with new House leadership
By Paulina Firozi; The Washington Post ~ Nov 16, 2018

Opinion: Small Fees Can Have A Big Impact On Retirement Accounts
From John Scott; Forbes ~ Nov 16, 2018

Seniors want drug prices in ads. Young people? Eh, whatever: survey
By Beth Snyder Bulik; FiercePharma ~ Nov 14, 2018

Doctors Are Fed Up With Being Turned Into Debt Collectors
Physicians, hospitals and medical labs are grappling with the rise in high-deductible insurance

By Blake Dodge; Bloomberg ~ Nov 15, 2018

Opinion: Medicare Part D Changes: Empowering The Plan, Not Necessarily The Beneficiary
From Joshua Cohen; Forbes ~ Nov 15, 2018

Opinion: A Patient Complained About The Cost Of Her Medical Care. Here's How Her Doctor Responded.
From Peter Ubel; Forbes ~ Nov 14, 2018

Incoming Dem chairman: Medicare negotiating drug prices is a priority
By Peter Sullivan; The Hill ~ Nov 14, 2018

CDC doubles recommended weekly exercise time for Americans
By Tauren Dyson; United Press International ~ Nov 14, 2018

Express Scripts looks to limit rebate model, lower drug costs in 2019
By Alex Kacik; Modern Healthcare ~ Nov 13, 2018

3rd blood pressure drug recalled in recent weeks over impurity
By Clyde Hughes; United Press International ~ Nov 13, 2018

Opinion: How The Midterm Elections May Steer Retirement Policy
From Teresa Ghilarducci; Forbes ~ Nov 11, 2018

Online tool explores assumptions for pension liabilities
By James Comtois; Pensions & Investments ~ Nov 12, 2018 breach compromised applicants' financial, immigration data
By Andrew Blake; The Washington Times ~ Nov 10, 2018

FACT CHECK: Are Republicans Trying To Eliminate Social Security, Medicare And Medicaid?
By Shane Devine; Check Your Fact ~ Nov 09, 2018

Opinion: Congress should broaden legislation to curb medical price gouging
From George A. Nation III; The Hill ~ Nov 10, 2018

Pelosi-Trump overtures making Big Pharma sweat bullets
By Joe Williams; The Washington Examiner ~ Nov 09, 2018

Medicare expands access to in-home support for seniors
By Ricardo Alonso-Zaldivar; The Associated Press ~ Nov 09, 2018

House Dems plan key vote on pre-existing conditions
By Peter Sullivan; The Hill ~ Nov 08, 2018

Opinion: An economist’s policy wish list for House Democrats: Government debt, Social Security, health care
By Laurence J. Kotlikoff; MarketWatch ~ Nov 08, 2018

The Democrats took the House, here’s what that means for your retirement
By Alessandra Malito; MarketWatch ~ Nov 07, 2018

Opinion: Prescription Drug Prices: A Bitter Pill In The Midterm Elections
From Richard Eisenberg; Forbes ~ Nov 02, 2018

GOP Candidates Are Hearing It From Constituents With Pre-Existing Conditions
By Emily Kopp; Roll Call ~ Nov 02, 2018

Trump, top House Republican admit there's no chance of a middle class tax cut this year
By Donna Borak; CNN ~ Nov 02, 2018

Opinion: Republicans' Public Opposition To Social Security And Medicare
From Teresa Ghilarducci; Forbes ~ Nov 02, 2018

Healthcare Experts Propose Both Market and Regulatory Changes to Reduce Prescription Drug Costs Amid the Trump Administration’s Call to Cut Medicare Drug Prices
Via “Business Wire”; The Associated Press ~ Nov 01, 2018

Trump, House GOP pledge to push middle-class tax cut next year, miss president’s promised timeline
By Damian Paletta; The Washington Post ~ Oct 31, 2018

How to Review Your Medicare Plan's Prescription Coverage
By David Levine; US News & World Report ~ Oct 30, 2018

Does your doctor need to know what you buy on Amazon?
By Mohana Ravindranath: Politico ~ Oct 30, 2018

Social Security Warns On New Phone Spoofing Scam
From Kelly Phillips Erb; Forbes ~ Oct 29, 2018

7 Changes to Social Security in 2019
By Sean Williams; The Motley Fool ~ Oct 28, 2018

Health secretary warns pharma: Administration will push ahead with drug pricing reforms
By Jessie Hellmann; The Hill ~ Oct 26, 2018

Trump Tax Cuts Will Wait Until 2019, Brady Says in Plot Twist
By Niels Lesniewski; Roll Call ~ Oct 26, 2018

Database details drugmakers' contributions to Congress
By Emmarie Huetteman & Sydney Lupkin, KHN; CNN ~ Oct 25, 2018

Trump says new proposal will lower some US drug prices
By Ricardo Alonso-Zaldivar & Deb Riechmann; The Associated Press ~ Oct 25, 2018

Inheriting an IRA? Here's What You Need to Know
By Kailey Fralick; The Motley Fool ~ Oct 21, 2018

Opinion: How to plan for taxes in retirement
By Anna Bahney; CNNMoney ~ Oct 25, 2018

Trump insists GOP will 'totally' protect pre-existing conditions, despite ObamaCare repeal efforts
By Peter Sullivan; The Hill ~ Oct 24, 2018

Opinion: Treat Social Security the way President Roosevelt intended, as an insurance program not an entitlement
From Rep. John B. Larson (D-Conn.) ; The Hill ~ Oct 24, 2018

Drug Companies, Not 'Middlemen', Are Responsible For High Drug Prices
From Avik Roy; Forbes ~ Oct 23, 2018 Forbes Staff

Don't Count Pensions Out Yet, PBGC Chief Says
By Melanie Waddell; ThinkAdvisor ~ Oct 23, 2018

Trump says he will push for new round of tax cuts after midterms
By Jordan Fabian; The Hill ~ Oct 22, 2018

Opinion: Publicized drug prices will be meaningless to the average consumer
From Todd Ruppar; The Hill ~ Oct 21, 2018

Opinion: How to figure out Medicare and choose the right plan
From Sally Squires; The Washington Post ~ Oct 20, 2018

This retirement expense has hit $100,000 annually — and it's continuing to rise
By Darla Mercado; CNBC ~ Oct 20, 2018

Commentary: Bill Nelson, Rick Scott Mum's the Word on Social Security
By Brenton Smith, Orlando Sentinel - Oct 16, 2018 hit with data breach impacting 75,000 people
By Evan Sweeney; FierceHealthcare ~ Oct 19, 2018

Medicare Part B Drug Payments Vexing for Docs, CMS
By Joyce Frieden; MedPage Today ~ Oct 19, 2018

Opinion: Social Security Does Not Add To The Federal Deficit
From Teresa Ghilarducci; Forbes ~ Oct 19, 2018

Trump officials ratchet up drug pricing fight
By Nathaniel Weixel; The Hill ~ Oct 17, 2018

Rising drug prices widen gap between have, have-not patients
By Linda A. Johnson; The Associated Press ~ Oct 17, 2018

Proposed rule on prescription drugs offers the wrong approach to seniors with complex medical conditions
From Rep. Erik Paulsen (R-Minn.); The Hill ~ Oct 17, 2018

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

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

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

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

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 – Oct 2, 2018

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

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

Click here to view previous reports of Villages Chapter

Villages Chapter Report – November 2018

NRLN Villages Chapter Meeting Held November 29

At the NRLN Villages Chapter Meeting on November 29, Ray, Pasternak, President, NRLN Villages Chapter talked about his participation in the NRLN’s September Fly-In to Washington, DC and discussed the NRLN’s Universal Retirement Account proposal to Congress to avert America’s future retirement security crisis.

Some of the key points of the Universal Retirement Accounts (URAs) proposal includes:

Ray noted that NRLN President Bill has accepted an invitation to speak at The Villages Democrats Club meeting on Saturday, January 12th. He will make a presentation on how Medicare Advantage plans are being used to move Medicare toward privatization and how this will impact Americans.

The club meeting will be held at the Colony Cottage Recreation Center at 510 Colony Blvd. Doors to the meeting room open at 9:00 a.m. and the program will begin at 9:30 a.m. About 300 club members are expected to attend but the room will seat 400. Therefore, an invitation has been extended to NRLN Villages Chapter members to fill the open seats on a first-come-first serve basis. Send an email to if you are interested in attending the meeting.

Part 3 of 3: NRLN’s Proposal to Congress on Medicare Advantage Issued on November 4

On November 4, NRLN President published Part 3 of 3 on the NRLN’s whitepaper: Medicare Advantage Plans – Privatization’s Trojan Horse. Part 3 featured the NRLN’s Proposal to Congress on Medicare Advantage.

As the Centers for Medicare and Medicaid (CMS) works unabated toward privatization, the NRLN’s highest priority is to protect 19 million Medicare Advantage (MA) plan enrollees from having the rug pulled out from under them. Recent privatization plans call for MA plans to be dissolved into a regional market private plan scheme and that Traditional Medicare be converted from the fee-for-service to the MA plan capitation payment model. These 19 million retirees should be grandfathered, protected from future reductions in benefits and guaranteed the protection of baked in subsidies as of December 31, 2017.

Congress should direct the General Accountability Office (GAO), Congressional Budget Office (CBO) and the Health and Human Services (HHS) Inspector General to use information from the whitepaper and investigate and report on MA plans and Traditional Medicare Part A and Part B independent financials. It should publicly disclose the cost effectiveness of MA with and without taxpayer subsidies, and with and without grandfathering of those under age 65 at the time of a planned privatization.

Congress and the above Executive Branch agencies must clearly define through rules, regulations and statutes that CMS may not authorize benefits afforded to MA private insurers that are not also included in traditional Medicare Parts A, B and D (prescription drugs) fee-for-service plans.

CMS’ 3.4 percent benefit subsidies planned for 2019 should be retracted.

According to the Congressional budget there were $141 billion wrong and improper payments in 2017 generated by all federal agencies ($90 billion attributable to Medicare and Medicaid). This level of unnecessary expenditures must be significantly reduced, sequester the savings and use them to eliminate the 75-year deficits of Medicare Part A (.82 percent of payroll salaries and wages) and then Part B.

All 3 Parts of message can be read in the NRLN website at under the October 2018 and November 2018 headers.

Request Made to Support the AREF When Doing Christmas Shopping on Amazon

In an email on November 17, NRLN President Bill Kadereit encouraged members who will be doing Christmas shopping online at Amazon to provide funding for the American Education Research Foundation (AREF) at no additional expense through the AmazonSmile program.

Make your purchase online from Amazon through AmazonSmile at: . The program will donate 0.5% of the purchase price to the AREF, a qualified non-profit, tax deductible organization that serves as the NRLN’s research and education partner.

For details on AmazonSmile, click here.

A reminder was included to make a direct tax-deductible contribution to the AREF, the research and education partner of the NRLN, at: AREF certification information regarding tax deductibility can be found at under the Tax-Deductible Information tab.

NRLN Adds Instagram Page to Its Social Media Lineup

On September 28, NRLN President Bill Kadereit sent an email to NRLN members to invite them to visit the new NRLN Instagram page at 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.

An Instagram account is not required to visit the NRLN’s page. Instagram can be accessed with an electronic tablet, smartphone or computer. Members with an Instagram account were encouraged you click on the “Follow” button.

Instagram is the NRLN’s latest use of social media to reach out to more Americans. NRLN also uses its website;;, and email, NRLN uses its website, emails and social media messaging to keep members fully informed about issues relevant to retirees and prospective retirees, including children and grandchildren.

The NRLN and AREF Partnership

The National Retiree Legislative Network (NRLN) created the American Retirees Education Foundation (AREF) in 2014 to develop whitepapers and advocate policy recommendations for retirement security to federal policymakers, constituency groups, the media, and the general public. The AREF, an IRS 501(c)3 tax-exempt organization, researches and produces whitepapers and other materials and can use them to educate NRLN members and other advocates on how to present legislative proposals.

The AREF can advocate proposals to members of Congress and federal agencies but once a proposal is introduced as a bill, only the NRLN, an IRS 501(c)4 non-exempt organization, can lobby for passage of a bill. The AREF can advocate but not lobby. This allows members to make tax-deductible donations that are accounted for separately from NRLN contributions. To learn more about the AREF and NRLN go to and

NRLN and AREF Revenue

Seventy-five percent of NRLN revenue comes from non-deductible individual contributions. The other twenty-five percent of NRLN revenue comes from company retiree association dues paid to the NRLN.  NRLN Chapters are supported by a portion of contributions made by Chapter members. For individual contributions to the NRLN go to Either click on the link to printout the contributions form and mail it with a check or click on the link to make a credit card contribution.

All AREF revenue comes from individual tax-deductible donations. A donation to the AREF may be made by going to the AREF website at and clicking on the “Donations” tab.

The NRLN annual solicitation to NRLN Villages Chapter members will be in late January 2017.  However, anyone can make voluntary non-deductible contributions to the NRLN or tax-deductible donations to the AREF at any time. 

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