NRLN Villages Chapter Updates

CMS DESTROYING TRADITIONAL MEDICARE!

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.


CMS SUBSIDIES CREATING A “PREMIUM SUPPORT” PLAN

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 www.nrln.org and click on the red flashing icon “Respond to an Action Alert”.

DANGER LURKS: REAL FACTS SENIORS OF ALL AGES NEED TO BE AWARE OF!

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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NEWS FOR THE VILLAGES MEMBERS


When a Health Insurer Also Wants to Be a Hospice Company
By Reed Abelson; The New York Times ~ Jun 22, 2018

Medicare expands offer to reverse late enrollment penalties
By Mark Miller, RNS; St. Louis Post-Dispatch ~ Jun 23, 2018

Amid Years Of Dashed Hopes Over Alzheimer’s Breakthroughs, Study Linking Common Virus To Disease Fans Hope
From KHN Morning Briefing; Kaiser Health News ~ Jun 22, 2018

Opinion: Social Security Feels Pinch As Baby Boomers Clock Out For Good
From Adam Bergman; Forbes ~ Jun 21, 2018

Opinion: The Trump Administration's Squeeze On Affordable Health Insurance For 50- To 64-Year-Olds
From Howard Gleckman; Forbes ~ Jun 21, 2018

It’s official: DOL fiduciary rule is dead
By Mark Schoeff Jr.; Pensions & Investments ~ Jun 21, 2018

House GOP 2019 budget calls for deep Medicare, Medicaid spending cuts
By Niv Elis & Peter Sullivan; The Hill ~ Jun 19, 2018

Soaring costs, loss of benefits top Americans' healthcare worries: Reuters/Ipsos poll
By Maria Caspani; Reuters ~ Jun 15, 2018

Experts: Protections on pre-existing conditions at risk
By Ricardo Alonso-Zaldivar; The Associated Press ~ Jun 14, 2018

That ‘Living Will’ You Signed? At The ER, It Could Be Open To Interpretation.
By Judith Graham; Kaiser Health News ~ Jun 14, 2018

Social Security Reform, Back Where We Started
From Andrew Biggs ; Forbes ~ Jun 14, 2018

It's Official: U.S. Rule to Protect Retirement Savers Is Dead
By Neil Weinberg; Bloomberg ~ Jun 14, 2018

Trump's health chief intensifies attack on drug middlemen, suggests getting rid of rebates
By Angelica LaVito; CNBC ~ Jun 12, 2018

Opinion: The Shifting Retirement Landscape Of Today's Workers
From Jim Poolman; Forbes ~ Jun 12, 2018

Beware of hidden taxes in retirement
By Liz Weston; The Associated Press ~ Jun 11, 2018

Social Security Could Get a 3% Raise Next Year -- but Will It Even Matter?
By Maurie Backman; The Motley Fool ~ Jun 10, 2018

Medicare Is in Even Worse Shape Than We Thought
By Matthew Frankel; The Motley Fool ~ Jun 10, 2018

Should you be worried about Social Security and Medicare
By Ricardo Alonso-Zaldivar; The Associated Press ~ Jun 09, 2018

GOP risks fallout from Justice Department move on health law
By Ricardo Alonso-Zaldivar; The Associated Press ~ Jun 08, 2018

ACA lawsuit could jeopardize 52 million Americans’ access to health care
By Carolyn Y. Johnson; The Washington Post ~ Jun 08, 2018

The ‘Fiduciary Rule’ May Sound Boring, But Its Collapse Threatens Your Retirement
By Katherine Chiglinsky; Bloomberg ~ Jun 08, 2018

Opinion: Making Social Security's retirement age work for workers
From Andy Rotherham; The Hill ~ Jun 08, 2018

Opinion: Fake News: Why Social Security Isn't Going Broke
From John Wasik; Forbes ~ Jun 08, 2018

Opinion: Social Security isn’t ‘going broke’ — it’s already broke
From Merrill Matthews; The Hill ~ Jun 08, 2018

Opinion: As demagogues squawk, clock is ticking on Social Security
From Marc Goldwein; The Hill ~ Jun 07, 2018

New warnings about cuts to Social Security and Medicare are a reason to worry
By Paul Brandus; MarketWatch ~ Jun 07, 2018

No, Medicare Won't Go Broke In 2026. Yes, It Will Cost A Lot More Money
From Howard Gleckman; Forbes ~ Jun 06, 2018

To fix Social Security, Congress would not have to raise taxes or cut spending by a single penny
By Steve Goldstein; MarketWatch ~ Jun 06, 2018

More nurse practitioners in primary care a plus, study finds
By Kelly Gooch; Becker’s Hospital Review ~ Jun 05, 2018

Trustees Report Warns Medicare Finances Worsening
By Ricardo Alonso-Zaldivar and Andrew Taylor, Associated Press – June 5, 2018

Medicare’s Trust Fund Is Set to Run Out in 8 Years. Social Security, 16
By Robert Pear, New York Times – June 5, 2018

Feds: Skimping can’t save seniors from rising med cost
By Ricardo Alonso-Zaldivar; The Associated Press ~ Jun 04, 2018

A Surgical Approach To High Prescription Drug Prices
From Grace-Marie Turner; Forbes ~ Jun 04, 2018

Hold Harmless Has Come Back to Haunt Many Social Security Recipients in 2018
By Sean Williams, The Motley Fool – Jun 3, 2018

Doctor: high drug pricing kills patients
By Dr. Nicky J. Mehtani, The Baltimore Sun – Jun 3, 2018

How to divvy up the inheritance — and keep the family together
By Thomas Heath; The Washington Post ~ Jun 01, 2018

Trump says drug companies to 'voluntarily' slash prescription costs
By Jessie Hellmann ; The Hill ~ May 30, 2018

Will Trump's Drug Plan Reduce Costs For Seniors On Medicare?
From Howard Gleckman; Forbes ~ May 30, 2018

Looking For Lower Medicare Drug Costs? Ask Your Pharmacist For The Cash Price.
By Susan Jaffe; Kaiser Health News ~ May 30, 2018

Social Security: Past, Present And Future
From Catherine Schnaubelt; Forbes ~ May 30, 2018

Former drug industry lobbyist helps steer Trump drug plan
By David Pittman; Politico ~ May 27, 2018

Opinion: New SEC Advice Rule Abandons Fiduciary Standard For Brokers
From David John Marotta; Forbes ~ May 28, 2018

Health chief channels Trump's combative approach on drug prices
By Adam Cancryn; Politico ~ May 27, 2018

Opinion: Senior advocates say new draft guide to Medicare distorts facts. Here’s what you need to know
From Philip Moeller; PBS News Hour ~ May 25, 2018

Drugmakers Blamed For Blocking Generics Have Jacked Up Prices And Cost U.S. Billions
By Sydney Lupkin; Kaiser Health News ~ May 23, 2018

Medicare's stealth price hike: Seniors are paying more for generics even though the drug prices haven't increased
From Michael Hiltzik: Los Angeles Times ~ May 23, 2018

I.R.S. Warns States Not to Circumvent State and Local Tax Cap
By Alan Rappeport & Jim Tankersley; The New York Times ~ May 23, 2018

Opinion: Injecting Common Sense Into Financial Markets
From Ike Brannon; Forbes ~ May 23, 2018

Avoiding The IRA Waterfall: 4 Ways To Increase The After-Tax Value Of Your IRAs
From Bob Carlson; Forbes ~ May 22, 2018

Chained CPI Hits Social Security Through Taxation of Benefits
By Brenton Smith, FedSmith – May 21, 2018

The Drug Industry's Middlemen Are in the Hot Seat
By Clifton Leaf; Fortune ~ May 21, 2018

How to Age Well and Stay in Your Home
By Jane E. Brody; The New York Times ~ May 21, 2018

Opinion: Calling For A Blue-Ribbon Panel On The Retirement Crisis
From Chris Farrell; Forbes ~ May 21, 2018

Trump official on defensive as critics scoff at drug plan
By Peter Sullivan; The Hill ~ May 19, 2018

Why Your 2019 Social Security Increase Could Be the Biggest in Years
By Dan Caplinger; The Motley Fool ~ May 19, 2018

Let’s talk about the Big Book: Everything your family needs to know when you die
By Thomas Heath; The Washington Post ~ May 18, 2018

Naming Names: FDA Calls Out Drugmakers For Blocking Generics To Shame Them Into Better Behavior
From KHN Morning Briefing; Kaiser Health News ~ May 18, 2018

FDA approves drug to prevent migraines
By Max Greenwood; The Hill ~ May 17, 2018

Opinion: Why Your IRA Is Likely At Risk... And How To Help Correct It
From Mark D. Kinney; Forbes ~ May 18, 2018

FDA names drug companies that may 'game' the system to stall generics
By Peter Sullivan; The Hill ~ May 17, 2018

Opinion: Trump Takes First Step Toward Cutting Prescription Drug Costs With 'American Patients First' Plan
From Robin Seaton Jefferson; Forbes ~ May 17, 2018

Automation, older workers to shape US workforce in 2020s
From Karen Harris & Andrew Schwedel; The Hill ~ May 17, 2018

Azar Warns Pharma That Administration Will Be ‘Turning On The Pressure’ As He Defends President’s Drug Plan
From KHN Morning Briefing; Kaiser Health News ~ May 15, 2018

PhRMA expresses 'serious concerns' with Trump drug pricing proposals
By Peter Sullivan; The Hill ~ May 15, 2018

Trump targets Medicare, PBMs in plan to lower drug prices
By Mike Stankiewicz; FierceHealthcare ~ May 14, 2018

Trump health secretary pushes back against Medicare drug negotiation
By Nathaniel Weixel; The Hill ~ May 14, 2018

A Major Social Security Change Is Coming in 2022
By Sean Williams; The Motley Fool ~ May 14, 2018

Opinion: Look in the Mirror, America, to See a Reason Drug Prices Are So High
From Max Nisen; Bloomberg ~ May 13, 2018

Opinion: Trump's Drug Pricing Reform Proposals May Be Politically Tepid But Are Eminently Sensible
From John Osborn; Forbes ~ May 12, 2018

6 Ways Trump's Drug Price Plan Could Lower Rx Costs
By Lisa L. Gill; Consumer Reports ~ May 11, 2018

What's Driving US Healthcare Costs? Stakeholders Weigh In
By Jaime Rosenberg; AJMC ~ May 10, 2018

Senate GOP warms to Trump's rescissions package
By Jordain Carney; The Hill ~ May 08, 2018

Pelosi says she wants to increase taxes
By Steve Goldstein; MarketWatch ~ May 08, 2018

Three Things People Often Get Wrong About Social Security, And Why It's Critical To Get It Right
From Beau Henderson; Forbes ~ May 07, 2018

Social Security Beneficiaries Top 62,000,000 for First Time
By Terence P. Jeffrey; CNS News ~ May 07, 2018

Trump likely to target Medicare in quest for lower drug prices
By Mike Stankiewicz; FierceHealthcare ~ May 04, 2018

Opinion: The Social Security Trust Fund Is Real - But So What?
From Elizabeth Bauer; Forbes ~ May 05, 2018

Opinion: A New Snapshot Of Older Adults In The U.S.
From Howard Gleckman; Forbes ~ May 04, 2018

Opinion: Social Security Administration should stop closing field offices
From Max Richtman; The Hill ~ May 04, 2018

HHS secretary: Trump drug pricing plan will go 'much further' than budget proposal
By Rachel Roubein; The Hill ~ May 02, 2018

Medicare costs could rise by more than 200 percent for these retirees
By Darla Mercado; CNBC ~ May 02, 2018

Opinion: People need fair insurance coverage in a medical emergency
From Dr. Paul Kivela; The Hill ~ May 02, 2018

NIH seeks health data of 1 million people, with genetic privacy suddenly an issue
By Lenny Bernstein; The Washington Post ~ May 01, 2018

Industry Voices—Why insurers are spending billions to acquire physician practices
By Dan Mendelson; FierceHealthcare ~ Apr 30, 2018

How A Drug Company Under Pressure For High Prices Ratchets Up Political Activity
By Jay Hancock & Elizabeth Lucas; Kaiser Health News ~ Apr 30, 2018

How Inflation Can Ruin Your Retirement
From Robert Laura; Forbes ~ Apr 30, 2018

Social Security is looking like a pretty good investment these days
By Monique Morrissey, Economic Policy Institute – April 23, 2018

Dissecting The Rhetoric Vs. Reality Of Trump’s Tough Talk On Drug Prices
By Sarah Jane Tribble; Kaiser Health News ~ Apr 27, 2018

Nine Rights Every Patient Should Demand
By Elisabeth Rosenthal; The New York Times ~ Apr 27, 2018

How High Drug Prices and Big Lobbying Budgets Go Together for Big Pharma
By Jay Hancock & Elizabeth Lucas; Fortune ~ Apr 26, 2018

Social Security 'is under attack,' say these congressional Democrats
By Annie Nova; CNBC ~ Apr 26, 2018

States ask court to reconsider decision on Obama-era financial rule
By Lydia Wheeler; The Hill ~ Apr 26, 2018

Heartburn drugs linked to pneumonia in older people
By Allen Cone; United Press International ~ Apr 25, 2018

Hospitals To Be Required To Post Prices Online As Part Of CMS Push To Increase Transparency
From KHN Morning Briefing; Kaiser Health News ~ Apr 25, 2018

3 Rulings Show The Importance Of Checking IRA Beneficiary Forms
From Bob Carlson; Forbes ~ Apr 24, 2018

Opinion: Let’s talk about drug costs
From Rick Pollack & Jo Ann Jenkins; The Hill ~ Apr 23, 2018

Doctors Attack Trump's Short-Term Health Plans Ahead Of Comment Deadline
From Bruce Japsen; Forbes ~ Apr 22, 2018

PhRMA spends record amount on lobbying amid drug pricing fights
By Jessie Hellmann; The Hill ~ Apr 20, 2018

Opinion: Avoiding 7 Deadly Estate Planning Mistakes
From Bob Carlson; Forbes ~ Apr 20, 2018

Opinion: 6 Misunderstood IRA Rules And Strategies
From Bob Carlson; Forbes ~ Apr 17, 2018

Opinion: 2018 marks final season of tax complexity
From Alex Hendrie; The Hill ~ Apr 17, 2018

Trump to give speech on lowering drug prices this month
By Peter Sullivan; The Hill ~ Apr 16, 2018

House fails to advance a balanced budget amendment to counter high spending levels
By Eliza Collins; USA TODAY ~ Apr 13, 2018

How are Americans importing more affordable medications?
By Gabriel Levitt, PharmacyChecker.com – Apr 12, 2018

Avoiding The 5 Greatest Threats To Your Retirement Security
From Bob Carlson; Forbes ~ Apr 10, 2018

Opinion: Avoid these 7 exercises if you’re over 50
From Linda Melone; MarketWatch ~ Apr 10, 2018

Opinion: Respect For Our Seniors? Let's Put Our Money Where Our Mouths Are
From Bart Astor; Forbes ~ Apr 09, 2018

State solutions to bring down drug prices face steep resistance from drug industry
By Paige Minemyer; FierceHealthcare ~ Apr 09, 2018

A debt crisis is coming. But don’t blame entitlements.
By Martin Neil Baily, Jason Furman, Alan B. Krueger, Laura D'Andrea Tyson & Janet L. Yellen ; The Washington Post ~ Apr 08, 2018

Trump administration aims to lower drug prices for seniors
By Tami Luhby; CNNMoney ~ Apr 02, 2018

Older Americans Are Hooked On Vitamins Despite Scarce Evidence They Work
By Liz Szabo; Kaiser Health News ~ Apr 04, 2018

21 Unvarnished Truths About Retirement
From Jonathan Look, NA; Forbes ~ Apr 01, 2018

Click here to view previous reports of Villages Chapter to POA.

Villages Chapter Report to POA – June 5, 2018

Three NRLN President’s Forum Messages Issued in May

NRLN President Bill Kadereit issued three President’s Forum messages in May. The title of the May 2 message was Holes in the Safety Net – Social Security. It focused on how important Social Security is to millions of people who depend on its monthly payments and the funding crisis that Social Security is heading toward.

According to the Social Security and Medicare Board of Trustees' 2017 report to Congress, Social Security has an unfunded liability of $34 trillion in the 75-year window between now and 2091. Social Security will begin paying out more in benefits than it's generating in revenue by 2022. The program will exhaust the surplus built up over the past 35 years by 2034 when Social Security’s current approximately $3 trillion in asset reserves will be completely depleted. This includes cashing in all of the IOUs the Social Security trust fund holds in lieu of cash Congress took to pay bills.

The title of the May 9 Forum message was Holes in the Safety Net – Medicare. It focused on how important Medicare is to millions of people and the funding crisis that Medicare is heading toward.

Trustees reported to Congress in 2017 that by 2029, the Medicare trust fund will be exhausted. Payroll taxes will only cover about 88% of Medicare Part A costs. Unlike Part A, beneficiaries pay premiums for Part B coverage. But these premiums account for only 23% of the program’s costs. The rest comes out of the federal Treasury.

After the Trustees issue their new report this summer, the NRLN will launch a major effort to lobby the proposal it is developing for saving Social Security and Medicare.

The May 24 Forum message reported that over 200 Chrysler retirees have received letters that their pensions had been miscalculated and the pension plan sponsor wants the overpayments back in a fairly short time. On May 14, the NRLN President, NRLN Executive Director, President of the National Chrysler Retirement Organization (NCRO) and Director of the Pension Rights Center (PRC) had two meetings in Washington, DC to present common sense proposals to address the “recoupment” issue. The first meeting was with Employee Benefits Security Administration officials at the Department of Labor. The other meeting was with officials at the Department of Treasury.

One NRLN/NCRO proposal was that a pension plan sponsor must purchase insurance that would cover the cost of calculation errors made by the plan sponsor or a contractor who made the pension calculations. If the plan sponsor did not purchase insurance, the plan sponsor instead would require the contractor liable for the over payment to purchase insurance. The second proposal was to limit the “claw back” period to three years for the plan sponsor or contractor to identify their calculation error and request recovery of overpayment over 180 months. The retiree could opt to pay the recoupment in a lump sum at his/her discretion.

The NRLN is also exploring the potential for legislation to provide fairness for retirees in pay-status whose pensions have a calculation error and owe money back to the pension plan.

NRLN 2018 Survey Underway

The NRLN sent out an email to members on May 14 inviting them to participate in its 2018 online survey. Learning members opinions on key issues is important to establishing NRLN priorities. The last NRLN survey was in May 2016. The link to the survey is: https://www.surveymonkey.com/r/NRLN2018.

The deadline for completing the survey is June 15. Results will be compiled in total for the NRLN and by retiree group to provide Retiree Association and NRLN Chapter leaders insights into the opinions of their members. Overall results (no individual responses) of the survey will be published in the summer edition of the NRLN FOCUS newsletter that will be posted on the NRLN website at www.nrln.org.

NRLN Action Alert: Congress Must Also Act to Cut Drug Prices

An NRLN Action Alert was issued on May 16. It noted that President Trump had announced his blueprint to lower the price of prescription drugs, but he did not call on Congress to pass laws allowing Medicare to negotiate drug prices or importing safe, lower priced medicines from Canada. The NRLN’s sample letter urged members of Congress to pass existing bills authorizing these policies to institute real competition and provide relief for Americans. Seniors don’t have time to wait to see if the President’s initiatives lower prices.

The letter to Representatives and Senators noted that for too long many members of Congress have sold out to political contributions and lobbying from the pharmaceutical industry. The Pharmaceutical and Health Products Industry contributed $23.6 million to incumbents in Congress during the 2015-16 election cycle, according to the Federal Election Commission. Through April 30, in the 2017-18 election cycle, incumbents have received from pharma $12.9 million. Pharma's lobbying expenses surpassed $171 million last year.

The letter expressed concern that these contributions and lobbying pressure create undue influence on many members of Congress. Billions of dollars in savings are held up without a vote on bills in House and Senate committees and the conclusion is unavoidable that pharma's interests are being served.

Learn Which Members of Congress Have Received Pharma Contributions

Bob Martina, NRLN Vice President – Grassroots, spent several hours digging through the data in OpenSecrets.Org, Center for Responsible Politics, to identify how much Representatives, Senators and Presidential Candidates received in contributions from the Pharmaceutical and Health Products Industry during election cycles for 2011-2012; 2013-2014; 2015-2016, and 2017 through April 30, 2018.

The information was posted May 23 on the NRLN website at: https://www.nrln.org/moneyinpharma.html.

NRLN members were told in an email announcing the availability of the data, if they are troubled by the dollars their Representative and/or Senators have received from pharma to use the NRLN’s website to email their personal letters to their members of Congress.

NRLN Facebook Postings

Twelve messages, including brief versions of the six messages noted, above were posted on www.facebook/nrln1. During the month of May the messages reached over 173,000 Facebook users. All past NRLN Facebook messages are available in the NRLN Archives at: https://www.nrln.org/facebookposts.html.

Visits to NRLN Website in May

During the period 5/1 – 5/31 our www.nrln.org website experienced over 28,000 visitors and 38,000 sessions, where a visitor made more than one visit a day. There were 57 search engine robots that sampled our website via use of 46 different browsers and 11 operating systems and visitors came from 250 different websites from which they transferred from to reach us in May. Visitors from 6 different continents and 50 countries were on www.nrln.org for at least one session.


349 RESIDENTS RESPOND TO FUTURE DIRECTIONS SURVEY SPONSORED BY NRLN VILLAGES CHAPTER

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.


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 January 2017.  However, anyone can make voluntary non-deductible contributions to the NRLN or tax-deductible donations to the AREF at any time. 


  Suggestions and comments about this website should be addressed to webmaster@nrln.org. Last updated: June 24, 2018