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SPEAKERS BUREAU LIBRARY OF PRESENTATIONS

CLICK HERE for more info or to book a presentation

Click on the titles below to view the presentations

Alzheimer’s Communication - Effective Words and Interactions

Alzheimer’s Stages of Progression - Changes to Expect and Watch For

Alzheimer’s Warnings & Absolutes - Cautionary Notes for Caregivers

Alzheimer’s How To Know It’s Time - The Cues For Needing a Nursing Home

Drug Prescriptions & Costs – What’s Being Done to Bring Costs Down?

The Empowered Patient – How To Be Your Own Healthcare Advocate

Federal Subsidies – Why Are Our Taxpayer Dollars Being Squandered?

Medicare Enrollment - Medicare Advantage vs. Medigap “G”

Medicare Enrollment Part 2 – Plans Available in The Villages

Medicare Privatization – Diverting Taxpayer Money from Patient Care to Ins. Co. Shareholder Profits

Mental Health Issues in The Villages – Strategies for Finding Reliable Mental Health Services in The Villages (presentation currently being updated)

Military Retiree Health Care – Status of Programs for Veterans & Their Families

Plan For Life Advance Planning Strategies

See How Your FL Senators and Representative
Voted on Legislation For Seniors

Senate and House Companion Bills that the NRLN Supports in this 116th Congress
Yes = they are co-sponsoring this bill; or No = uncertain or against. Note: Click a bill description to see a brief explanation. To see the bill, all co-sponsors and a full explanation go to www.congress.gov and enter bill #.

Senate Bill # Sen. Rubio Sen. Scott House Bill# FL11Rep. Webster

NRLN Villages Chapter Updates

Steps to Better Medicare Choices

The new NRLN videos/podcasts feature Steps to Better Medicare Choices in Episode #4 and Episode #5. Episode #4 covers collecting Medicare enrollment information. Episode #5 uses information on original Medicare with Medigap Plan G and four Medicare Advantage plans available in The Villages that may help make plan a choice more easily understood.

To view the videos or listen to the podcasts dealing with the October 15 to December 7 Medicare Enrollment period, click here.

To assist you in collecting and analyzing Medicare and Medicare Advantage alternatives, posted in the center column on the NRLN's home page are the steps to follow to gain information from www.medicare.gov to view, download and print information on premiums, deductibles, copays and coinsurance for plans available in your state and area.


To: NRLN Villages Chapter Members

September 2020

The National Retiree Legislative Network (NRLN) and the NRLN Villages Chapter are partners in making sure that retirees have a strong voice in Washington, DC. Jim Bodenner, Chapter Leadership Team Member joined other leaders of the NRLN, retiree associations and chapters in February to lobby for the key parts of the NRLN’s legislative agenda on Capitol Hill. Your individual contribution is very important to the NRLN and your Chapter. Please make a contribution as noted in the last paragraph.

Is your Social Security benefit going to last your lifetime and that of your spouse? What about future generations? Social Security will deplete it reserves by 2034. At that time, it will only be able to pay 76% of benefits. The NRLN is supporting passage of Social Security 2100 Act in Congress that will fund the program for the next 75 years.

How secure are your Medicare benefits? Where does the money come from that provides some Medicare participants with more benefits than others? Medicare will deplete its reserves by 2026 and will only be able to pay 90% of benefits. The NRLN opposes the use of taxpayer dollars to subsidize private insurance companies for Medicare Advantage (MA) special benefits that original Medicare beneficiaries are denied. The NRLN is advocating that original Medicare enrollees have access to the special benefits being offered by MA.

Are you paying too much for your prescription drugs? The NRLN Is advocating that Congress should remove the prohibition on Medicare negotiating drug prices and replace it with a competitive bidding model. Legislation is needed to end pay-for-delay and other brand name drugmakers’ tactics that obstruct generic drugs from coming to market. The NRLN has lobbied to allow importation of less expensive drugs from Canada. A July executive order will accomplish that. The NRLN supports S. 4199 in the Senate Committee on Finance and H.R. 3 passed in the House in December. We want the Senate to pass its bill so it will go to a conference committee with the House bill. Congress needs to do its job and compromise to provide relief from sky- rocketing drug prices.

Is your retirement pension secure? Many employers have converted pension plans to third-party insurance company annuities. When “de-risking” occurs with the purchase of an insurance annuity, pension plan participants lose the protection of the Pension Benefit Guaranty Corporation (PBGC) and the Employee Retirement Income Security Act (ERISA). The NRLN’s proposed legislation would protect retirees.

What would happen to your pension if your former employer acquired another company and merged pension plans? The NRLN is concerned about the merging of pension plans with very different levels of plan assets and liabilities. The PBGC not only lacks advance notice of intra-firm mergers, the agency has waived the requirement for post-event reporting of plan mergers. The NRLN is lobbying for legislation to require plan mergers to be reviewed in advance by the PBGC and IRS and challenged if necessary.

Have you or someone you know experienced pension recoupment because your pension benefit was miscalculated? Currently, there is no limitation on recovering pension overpayment due to a calculation error. Under the NRLN’s proposal being considered on Capitol Hill, the legislation would clarify that a company does not have a fiduciary duty to recoup overpayments, but if it chooses to do so, it must be done within three years of the initial overpayment. Further, the company may not recoup more than 10% of the amount of the overpayment per year, and it may not recoup against a beneficiary of a participant.

Your individual contribution is very important to achieving the NRLN’s legislative agenda. Please contribute $25, $50, $75 or more. Any amount contributed will be appreciated. Make your check or money order payable to NRLN, Inc. The contribution form is available here. Or, make your contribution with your credit card by clicking here. Also, you can help by responding to Action Alerts and asking friends to sign up at www.nrln.org to receive our emails.

For additional information contact your Villages Chapter Leadership Team.

Bob Bienvenue
rbienven@sprynet.com
Mallory
Jim Bodenner
bodennerj@gmail.com
Terra Del Sol South
Doris Branson
dorisbranson@gmail.com
Santa Domingo
John Canner
wwjc914@gmail.com
Amelia
Madge Koscelnik
nursemadge@gmail.com
Chatham
Jackie Kuhn
jakuhn@alzheimersfamily.org
Bonita
Ray Pasternak
janice1@tir.com
La Belle
Heather Rabinowitz
heatherrab@comcast.net
Sunset Point
Carolyn Reichel
carolynreichel@gmail.com
Sunset Point
Bill Yelverton
wey44@aol.com
Mallory

NEWS RELEASE FOR IMMEDIATE RELEASE

For Information Contact:
Jim Bodenner, NRLN Villages Chapter Leader
Phone: 616-866-8180
Email: Bodennerj@gmail.com
Website: https://www.nrln.org/CHAPTERS/VILLAGES/villchapter.html

Concern Over Social Security Payroll Tax Deferral

The Villages Chapter of the National Retiree Legislative Network (NRLN) is concerned executive orders to defer from September 1 through December 31 the payroll tax will deplete the Social Security retirement trust fund by 2023, and its disability insurance funding by the middle of 2021.

According to Jim Bodenner “If the Social Security Trust is drained and there is a subsequent recession, then General Tax Revenues will dry up which will create a crisis for a large portion of the 65 million Social Security beneficiaries, destroying Social Security for our children and grandchildren. Bodenner is a member of the Villages Chapter leadership team

A 12.4 percent payroll tax split evenly between employers and workers earning up to $137,700 (for 2020) is a vital funding source for Social Security.

If no alternative source of revenue to replace the payroll tax, the Social Security Administration estimates that Disability Insurance (DI) Trust Fund asset reserves would become permanently depleted in about the middle of calendar year 2021, with no ability to pay DI benefits thereafter. The Old Age and Survivors Insurance (OASI) Trust Fund reserves would become permanently depleted by the middle of calendar year 2023, with no ability to pay OASI benefits thereafter.

Bodenner said the Villages Chapter has endorsed the NRLN’s support for House bill H.R. 860 and Senate bill S. 269, the Social Security 2100 Act.

He said the Social Security 2100 Act comes the closest to the NRLN’s position to make Social Security financially strong for the current generation, our children, grandchildren and great grandchildren by funding the program for the next 75 years. The bill would achieve the funding by a minimal increase of 1.2 percent in the payroll tax for employees and employers on earnings with the annual escalation of a few hundred dollars as it does now. The major difference in funding is that the payroll tax would apply on earnings of $400,000 and above.


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 www.seniorsaref.org and www.nrln.org.

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 http://www.nrln.org/JoinUs.htm. 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 www.seniorsaref.org and clicking on the “Donations” tab.

The NRLN annual solicitation to NRLN Villages Chapter members will be in late October 2019.  However, anyone can make voluntary non-deductible contributions to the NRLN or tax-deductible donations to the AREF at any time. 


LISTEN or WATCH OUR LATEST EPISODE PODCASTS

Read the latest NRLN actions during the month.review

Read the latest NRLN FOCUS Newsletter
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NRLN Videos Feature Medicare Plans in The Villages

Two NRLN videos/podcasts feature Original Medicare Plan D, Medigap Plan G and four Medicare Advantage plans available in The Villages zip codes. If you have not made your Medicare enrollment decisions yet these videos offer something to consider before enrollment ends on December 7.

To view the videos, or listen to the podcasts, click here. Then select the Episode #6 or #5 in the NRLN videos/podcasts library.

Newly completed video/podcast Episode #6 encourages the use of the “Medicare and You” handbook and accessing the “Plan-Finder” on www.medicare.gov to create a personal account and load a personal prescription drug list to obtain premium, deductible and annual prescription drugs cost for any plan.

If you have not already viewed the Episode #5 video that was posted on October 23 it will provide you with information to compare and analyze premium and deductible costs the NRLN collected from plans in The Villages. Tables in the video show the premiums for Original Medicare Part B, a Medigap Plan G and to three Medicare Advantage plans.

While Original Medicare was paired with a specific Medigap G and were compared with Medicare Advantage HMO and PPO plans offered to Villagers, you can substitute your own Medigap, HMO and PPO selections and compare them. Our purpose is to create tools that might help seniors better understand plan differences.

While connected to the NRLN videos/podcasts library, view the new Episode #7 that cites 18 additional so-called chronic benefits funded by Congress in 2019 and 2020 to attract more retirees to enroll in Medicare Advantage plans that Original Medicare beneficiaries do not receive. It is expected that insurance companies will receive $38 billion in rebates for 26 million Medicare Advantage enrollees based on the Quality Bonus Plan (QBP) 5-star ratings.

MedPAC, Congress’ watchdog over Centers of Medicare and Medicaid (CMS) rebate payments, said in its 2020 report to Congress that the flaws in the QBP 5-star system do not provide an accurate description of the quality of care in Medicare Advantage. It’s time to protect those in Medicare Advantage and to apply that $38 billion to save Original Medicare.

The NRLN is interested in receiving your feedback and/or questions on its videos/podcasts. You may contact us at contact@nrln.org or call Toll-Free at 1-866-360-7197.

Remember, Seniors are Special!

Bill Kadereit, President
National Retiree Legislative Network
www.nrln.org | videos/podcasts


July 13, 2020
To: NRLN Villages Chapter Members
Subject: Medicare Advantage and Medigap Plans

You may have read the June 9 NRLN President Bill Kadereit Forum message that announced the completion a new NRLN whitepaper on Medicare Advantage (MA). If you missed the Forum message, it is posted at www.nrln.org and there is a link in the message to the whitepaper.

The NRLN's primary concern has always been for its members and all seniors who see the TV commercials about MA plans and good deals that are "FREE." Implying that Medicare A & B premiums and benefits are free is misleading since whether you stay with original Medicare A & B or buy a private MA plan to get A & B benefits we get all Part A benefits as we have prepaid the 1.45% premium tax on wages over our lifetime and we all must pay the Medicare B premium of $144.60 a month. Nothing free here!

Regrettably, our income tax dollars subsidize private MA insurance companies with bonuses and rebates that fund reduced deductibles, copays, costs in excess out of pocket maximums and may pay for drug, dental and vision plans and for Silver Sneakers memberships. These rebates amount to $126 a month for every MA plan enrollee. In 2020, cost sharing and chronic benefit costs will be $35 billion and MA plan cost per enrollee will be higher than in original Medicare!

The 44 million enrollees in original Medicare and all others paying income taxes also pay for MA plan new "chronic" benefits for the 26 million MA enrollees - that are denied to the other 44 million original Medicare beneficiaries. The NRLN is advocating this is unfair, discriminatory. All Medicare enrollees should be eligible for approved Medicare plan benefits.

The NRLN fully supports competition from private healthcare plans and understands the financial challenges ahead for Medicare and the federal budget. However, the NRLN lobbies against legislated subsidies and restrictions placed on original Medicare Fee-for-Service (FFS) just to preserve the notion that private insurance plans are more effective. Sooner or later these subsidies will dry up, causing insurers to abandon MA plans. Our proposal includes “grandfathering” protection for those in MA HMO plans should this happen.

Soon we will post a summer series of videos about Medicare and Supplemental or Medigap plans. Our goal is to provide access to information prior to the fall 2020 Medicare enrollment period. Currently we are evaluating pricing of Medigap plans available to Villagers and will report out on this subject in a few weeks. If you have a Medigap plan and have experienced premium increases in 2019 or 2020, we would like to hear from you. Please send an email to contact@nrln.org to tell us the insurance company provider of your Medigap plan, when you began paying the premium, when the premium was increased and by how much.

For further information contact your Villages Chapter Leadership Team.

Bob Bienvenue
rbienven@sprynet.com
Mallory
Jim Bodenner
bodennerj@gmail.com
Terra Del Sol South
Doris Branson
dorisbranson@gmail.com
Santa Domingo
John Canner
wwwjc914@gmail.com
Amelia
Madge Koscelnik
nursemadge@gmail.com
Chatham
Jackie Kuhn
jakuhn@alzheimersfamily.org
Bonita
Ray Pasternak
janice1@tir.com
La Belle
Heather Rabinowitz
heatherrab@comcast.net
Sunset Point
Carolyn Reichel
carolynreichel@gmail.com
Sunset Point
Bill Yelverton
wey44@aol.com
Mallory

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