NRLN Works to Protect Your Retirement Security

The National Retiree Legislative Network (NRLN) works to enact federal legislation to protect employer-sponsored pensions, health care benefits and keep Social Security and Medicare strong.
With support from more than 2 million members and Washington, D.C. staff, the NRLN identifies and rallies support for federal legislation that will guarantee fair and equitable treatment of retirees from the private and public sectors. Learn more about the NRLN and legislation important to retirees by clicking on the "About Us" and "Legislative" links above.


Take Action Now!

click here to read the NRLN's current Action Alert and send the sample letter to your elected representatives.
enter your 5-digit zip code in the box to identify your U.S. Senators and Representative and compose your own personal message to them.

The NRLN's power to affect legislation comes from thousands of retirees like you making your voice heard in our nation's capital. Write to your representatives now.






NRLN Scores Major Advance Towards Retiree Protection Against Pension Plan De-risking

Senators Tom Harkin, Chairman of the Senate Committee on Health, Education, Labor & Pensions (HELP) and Ron Wyden Chairman, Committee on Finance have cosigned a letter to the Secretaries of Treasury, Labor, Acting Director of the Pension Benefit Guarantee Corporation, and the Director of the Consumer Financial Protection Bureau asking that they study and provide guidance regarding retire pension plan risks caused by corporate de-risking of defined benefit pension plans.

Marta Bascom, Executive Director of the NRLN, and Michael Calabrese, our strategic advisor, have led the way within a group of advocates that includes the Pension Rights Center, AARP and AFL-CIO to develop a proposed letter that incorporated the NRLN’s list of proposals that had been contained in my testimony to the ERISA Advisory Council in August 2013 and presented to the Employee Benefit Security Administration (EBSA) staff in Washington in July 2014.

The Harkin / Wyden letter opens the door for a full review of all practices that can bring harm to retirees affected by corporate de-risking and creates a parallel framework to protect plan participants. Our proposals embodies the plaintiffs’ complaints in the Verizon retirees litigation and before that consequences faced by retirees from General Motors and Motorola. In addition it will address concerns of Chrysler, CenturyLink, Alcatel-Lucent and many other retirees that face or may face de-risking actions.

We owe a debt of gratitude to Marta, Michael and the entire advocate team for initiating and supporting this action, during this time of Congressional gridlock in so many other areas. We view this as just the first step toward achieving more effective protection for plan participants and we are grateful to Senators Harkin and Wyden and their respective committee staffs for their understanding and concern.

We will keep you informed as we move forward with Congress, federal agencies and our advocate partners on the de-risking issue.

Click here to read the NRLN’s white paper on Pension Plan De-risking. If you have a problem with this link click on the “Legislative Action” link on the menubar aboove and select the “NRLN White Papers” option to access white papers on de-risking and other issues focused on retiree income security.

Bill Kadereit, President
National Retiree Legislative Network

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The NRLN now has a Facebook page and can be followed on Twitter. Click here to access the NRLN Facebook page.You are invited to follow the NRLN’s posts on Twitter. Click here if you have a Twitter account. If you don’t have a Twitter account, click here to sign up at no charge.

Members Comments on the NRLN

for recent mail from our members, click 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 the "Health Savings Rx Card℠" tab above to access the Health Savings Rx Card℠ website. If you do not already have a Health Savings Rx Card℠ you will need to create your personal login and then click the link under "Complete Health Savings Rx Card℠ to 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.


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.


Read Fall 2014 NRLN FOCUS Newsletter

The content in the 8-page newsletter includes:

  • NRLN President Bill Kadereit uses his column to explain: --We implemented a new process to identify and track bills related to our Legislative Agenda, set priorities on those bills that we will support or oppose and take actions to carry out our objectives.
  • NRLN Launches American Retirees Education Foundation --AREF’s mission, as a 501 (c)(3) tax-exempt foundation, 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.
  • NRLN’s Top Initiatives Advocated During Washington, D.C. Fly-In.
  • Grassroots Advocates Have Power to Influence Congress by Bob Martina, Vice President – Grassroots.
  • Register Now For NRLN’s Washington, D.C. Conference February 2 – 4, 2015
  • Marta Bascom, NRLN Executive Director, writes in her column: --An important part of every grassroots strategy seeking to influence Congress includes the urging of legislators to co-sponsor bills.

NRLN News Release: Allow Medicare to Negotiate for Drug Prices

The NRLN tries to take advantage of every opportunity to gain exposure for its legislative initiatives. An opportunity presented itself with the Oct. 5th 60 Minutes report “The Cost of Cancer Drugs”. In the report three doctors were critical of high prescription drug prices with one doctor believing that the law preventing Medicare from negotiating for lower prices must be changed.

The NRLN has for a long time advocated legislation to allow Medicare to negotiate for lower prices for prescription drugs. Click here to read the NRLN’s news release on this issue distributed on Tuesday, Oct. 14 to the national news media.

action alert NRLN Action Alert: Pass Medicare Prescription Drug Price Negotiation Act

The NRLN is asking you to email the NRLN’s sample letters to your U.S. Representative and Senators to urge him or her to work to pass the Medicare Prescription Drug Price Negotiation Act (H.R. 1102) and (S. 117). If passed, the Act would direct the Secretary of Health and Human Services (HHS) to negotiate with pharmaceutical manufacturers the prices that may be charged to Medicare Part D prescription drug plan sponsors and Medicare Advantage organizations for covered Part D drugs. This would mean more affordable prescription drugs for seniors and would save Medicare up to $156 billion over the next 10 years. Click here to access the sample letters.

Retirees Advocate NRLN's Top Initiatives During Fly-In

The NRLN's Washington, D.C. Fly-In on September 29th – Oct. 1, 2014 sent leaders of the NRLN, retiree association and Chapters to Capitol Hill to advocate the NRLN's top legislative initiatives on vital retirement issues.

Twenty-five individuals participated in the Fly-In from six retiree associations, three NRLN chapters, three invited Congressional District Leaders and the NRLN staff. The retiree associations were: AT&T Ameritech/SBC Retirees (AASBCR), Detroit Edison Alliance of Retirees (DEAR), JDRO – A Family of John Deere Retirees, Lucent Retirees Organization (LRO), National Chrysler Retirement Organization (NCRO) and NWB-USWest-Qwest. The chapters represented included: Arizona, Utah and Washington State. The Congressional District Leaders attending were from Florida, Maryland and Massachusetts.

Guest presenters at the Monday afternoon opening session were Constance (Connie) Donovan, Participant and Plan Sponsor Advocate at the Pension Benefit Guaranty Corporation, and Karen Friedman, Executive Vice President of the Pension Rights Center. On Tuesday and Wednesday, 36 meetings were held with Congressional staff members. Click here to view a few of the Fly-In videos and photos.


Poll: Americans Think Obama Admin’s Playing Politics By Delaying Obamacare Sign-ups Until After Election
By Sarah Hurtubise; The Daily Caller ~ Oct 30, 2014

Medicare open enrollment: It pays to get it right
By Elizabeth O'Brien; MarketWatch ~ Oct 30, 2014

Medicare finalizes $60M cut to home health
By Elise Viebeck; The Hill ~ Oct 30, 2014

8 ways to save big on your medication
From Consumer Reports; Yahoo ~ Oct 30, 2014

Congress Proposes Three Changes To Social Security That Make Sense
From Jamie Hopkins; Reuters ~ Oct 29, 2014

A Scary Picture of Retirement Investing
By Karen Damato; The Wall Street Journal ~ Oct 30, 2014

What's the best credit card for retirees?
By Jack Tatar; MarketWatch ~ Oct 30, 2014

Number Of Americans Who Want Universal Government Health Care Has Plunged
By Sarah Hurtubise; The Daily Caller ~ Oct 30, 2014

20% of plans could trigger Cadillac tax
By Dan Cook; BenefitsPro ~ Oct 29, 2014

Burwell meets with insurance execs ahead of O-Care enrollment
By Elise Viebeck; The Hill ~ Oct 29, 2014

Obamacare brings Democrats backlash, not benefits
By Sarah Wheaton; Politico ~ Oct 29, 2014

Obamacare, Year One: 78 Percent Premium Hikes
By Sarah Hurtubise; The Daily Caller ~ Oct 29, 2014

Health care overhaul doubts ease for insurers
By TOM MURPHY; The Associated Press ~ Oct 29, 2014

U.S. Supreme Court Plans to Address Limitations Period for Retirement Plan Fee Litigation
By Nadia Masri; Bloomberg BNA ~ Oct 29, 2014

House Subpoenas Former Top White House Tech Official Over Security
By Sarah Hurtubise; The Daily Caller ~ Oct 28, 2014

HHS: Obamacare Cancellations Aren’t ‘Losing Insurance’ — They’re An Invitation To Obamacare
By Sarah Hurtubise; The Daily Caller ~ Oct 28, 2014

What Seniors Have To Fear From Obamacare
By John C. Goodman; Forbes ~ Oct 28, 2014

Sorry, New York Times: ObamaCare Is Not Working
Investor’s Business Daily ~ Oct 27, 2014

Soft launch for O-Care's business exchange
By Elise Viebeck; The Hill ~ Oct 27, 2014

Some doctors wary of taking insurance exchange patients
By Jayne O'Donnell; USA TODAY ~ Oct 27, 2014

Where We Are With Obamacare And Where We’re Going
From KHN Morning Briefing; Kaiser Health News ~ Oct 27, 2014

Is your ObamaCare information safe?
By Jim Angle; Fox News ~ Oct 27, 2014

Rising U.S. Life Spans Spell Likely Pain for Pension Funds
By Dan Fitzpatrick; The Wall Street Journal ~ Oct 27, 2014

Social Security’s Means Test
By Brenton Smith, FedSmith.Com – Oct 27, 2014

Benefits Enrollment Time Offers an Opportunity
By Carolyn T. Geer; The Wall Street Journal ~ Oct 26, 2014

7 things the middle class can't afford anymore
By Erika Rawes, The Cheat Sheet; USA TODAY ~ Oct 25, 2014

Financial To-Do List For The Rest Of 2014
By Larry Light; Forbes ~ Oct 24, 2014

Washington tweaks retirement fund policy to encourage annuities
By Jason Lange; Reuters ~ Oct 24, 2014

As Insurers Try to Limit Costs, Providers Hit Patients With More Separate Fees
By Elisabeth Rosenthal; The New York Times ~ Oct 25, 2014

New Survey: Americans OK With Tax Hikes To Protect Social Security
By Janet Novack; Forbes ~ Oct 24, 2014

Family Doctors Push For A Bigger Piece Of The Health Care Pie
By Lisa Gillespie from KHN Daily News; Kaiser Health News ~

Obamacare foot soldiers, armed with experience
By Natalie Villacorta; Politico ~ Oct 24, 2014

Now There Can Be No Doubt: Obamacare Has Increased Non-Group Premiums In Nearly All States
By Chris Conover; Forbes ~ Oct 23, 2014

IRS Announces 2015 Retirement Plan Contribution Limits For 401(k)s And More
By Ashlea Ebeling; Forbes ~ Oct 23, 2014

The COLA crunch: Why Social Security isn't keeping up with seniors' costs
By Mark Miller; Reuters ~ Oct 23, 2014

Insurers Alter Obamacare Contracts Out Of Fear That Subsidies Could Be Struck Down
By Sarah Hurtubise ; The Daily Caller ~ Oct 21, 2014

Employers Looking at ‘Skinny’ Health Plans to Counter Health Law’s Penalties
By Anna Wilde Matthews; The Wall Street Journal ~ Oct 22, 2014

Middle-class adults have $20K saved for retirement
By Nanci Hellmich; USA TODAY ~ Oct 22, 2014

HHS-Funded Study: Obamacare Will Suffer ‘Death Spiral’ If Subsidies Fail
By Sarah Hurtubise; The Daily Caller ~ Oct 21, 2014

Poll: Majority of uninsured knows little about O-Care exchanges
By Sarah Ferris; The Hill ~ Oct 21, 2014

Yes, Obamacare Is Continuing To Hurt Employment
By John R. Graham; The Daily Caller ~ Oct 21, 2014

Just In Time For Open Enrollment, A New Physician Rating Site
From KHN Daily News; Kaiser Health News ~ Oct 21, 2014

Bureaucrats are killing private medical practice
By Mark Howshar, M.D. ; The Hill ~ Oct 21, 2014

Wednesday’s inflation reading to determine Social Security rise
By Jeffry Bartash; MarketWatch ~ Oct 21, 2014

What's behind the huge price jump for some generic drugs?
By David Lazaris, Los Angles Times – Oct 21, 2014

Bad News For Obamacare: Pay-For-Performance Doesn't Work
From John C. Goodman; Forbes ~ Oct 20, 2014

Obamacare on Shaky Ground as Court Battle Looms
From Sally Pipes; Forbes ~ Oct 20, 2014

Few motives to fix busted health data
By Arthur Allen; Politico ~ Oct 20, 2014

Long-Term Care Costs Weigh Heavily On Middle-Class Families
From KHN Daily News; Kaiser Health News ~ Oct 20, 2014

The pitfalls of protecting your IRA for your heirs
By Glenn Ruffenach; MarketWatch ~ Oct 20, 2014

Report: Government Really Does Waste Most Taxpayer Dollars
By Rachel Stoltzfoos; The Daily Caller ~ Oct 18, 2014

Wal-Mart’s New Everyday Low Price: A $40 Doctor Visit
By Andria Cheng; The Wall Street Journal ~ Oct 17, 2014

Market turmoil: A gift for mortgage refinancers?
By Josh Boak & Alex Veiga; The Associated Press ~ Oct 18, 2014

Another year, another small Social Security bump
By Stephen Ohlemacher; The Associated Press ~ Oct 18, 2014

Government close to closing loophole that lets employers offer substandard insurance
By Jay Hancock; The Washington Post ~ Oct 16, 2014

Obama’s claim that Obamacare has helped produce a ‘$1,800 tax cut’
By Glenn Kessler; The Washington Post ~ Oct 17, 2014

Senate Republicans Fact-Check Obama On Obamacare
By Rachel Stoltzfoos ; The Daily Caller ~ Oct 16, 2014

Majority of American Senior Citizens Would be in Poverty Without Social Security
By Tucker Sutherland; Senior Journal ~ Oct 17, 2014

Obamacare is making our economy sick, but it is treatable
By Sen. Mike Enzi (R-Wyo.); The Hill ~ Oct 16, 2014

Obamacare Refutes Warning of Corporate America Cost Surge
By Alex Wayne & Thomas Black; Bloomberg ~ Oct 16, 2014

Obamacare’s Got Seven Extra Ways of Hiking Premiums In 2015
By Sarah Hurtubise; The Daily Caller ~ Oct 16, 2014

Administration Signals Doubts About Calculator Permitting Plans Without Hospital Benefits
By Jay Hancock; Kaiser Health News ~ Oct 16, 2014

What You Should Check Before Renewing Health Coverage
From KHN Daily News; Kaiser Health News ~ Oct 16, 2014

U.S. Says Consumers Must Renew Health Insurance Policies
By Robert Pear; The New York Times ~ Oct 15, 2014

Facing America's Other Middle-Class Squeeze
By Christopher Flavelle; Bloomberg Businessweek ~ Oct 16, 2014

You've Saved It. Now, How Do You Spend It?

By Richard Rubin; Bloomberg Businessweek ~ Oct 16, 2014

Judicial Watch: Congress Obtained Obamacare Coverage, Subsidies ‘Through Fraud’
By Penny Starr; Cybercast News Service ~ Oct 15, 2014

4 Ways Cameras Are Changing Healthcare
By Robert J. Szczerba; Forbes ~ Oct 15, 2014

FTC Cracks Down On Companies Selling Phony Health Insurance
From KHN Daily News; Kaiser Health News ~ Oct 15, 2014

4 questions to ask before renewing health coverage
By Tom Murphy, AP ; San Francisco Chronicle ~ Oct 15, 2014

How the new stacks up with the old
By Ricardo Alonso-Zaldivar & Calvin Woodward; The Associated Press ~ Oct 14, 2014

Five Cost-Saving Questions for Your Doctor
By Donna Fuscaldo; Fox Business ~ Oct 14, 2014

Milliman analysis: Corporate pension funded status drops by $22 billion in August Discount rates fall below 4% to reach an all-time low
From Milliman, Inc; PR Newswire ~ Oct 14, 2014

Hey, Mom and Dad! Talk to Your Kids About Money
By Gail Buckner; Fox Business ~ Oct 13, 2014

Am I Sick? Google Has a Doctor Waiting on Video
By Conor Dougherty; The New York Times ~ Oct 13, 2014

Got Insurance? You Still May Pay A Steep Price For Prescriptions
By Julie Appleby; Kaiser Health News ~ Oct 13, 2014

An Obamacare October surprise?
By David Nather; Politico ~ Oct 13, 2014

Poll: Many insured struggle with medical bills
By Ricardo Alonso-Zaldivar & Jennifer Agiesta; The Associated Press ~ Oct 13, 2014

Some retirees face big Medicare changes in 2015
By Glenn Ruffenach; MarketWatch ~ Oct 13, 2014

The Problem With Too Much Leisure in Retirement
By Michael Kitces; The Wall Street Journal ~ Oct 13, 2014

New strategy: Underselling Obamacare for Year 2
By Jennifer Haberkorn; Politico ~ Oct 12, 2014

More than a dozen states plan to cancel health care policies not in compliance with ObamaCare
By Jim Angle; Fox News ~ Oct 09, 2014

5 ways your kid can hurt your credit
By Geri Detweiler; MarketWatch ~ Oct 11, 2014

Year-end retirement planning strategies
By Robert Powell; MarketWatch ~ Oct 10, 2014

Social Security Statements Are Back But Ignore Them At Your Peril
By Erik Carter; Forbes ~ Oct 10, 2014

Survey: 1 in 3 Seniors Went Without Medical Care Due to High Energy Prices
By Ali Meyer; Cybercast News Service ~ Oct 10, 2014

Admin Won’t Release Final Premiums Until After Elections
By Sarah Hurtubise; The Daily Caller ~ Oct 10, 2014

What You’ll Pay for Medicare in 2015
By Kimberly Lankford; Kiplinger ~ Oct 10, 2014

A word of advice for investors worried about retirement savings
By Nanci Hellmich; USA TODAY ~ Oct 10, 2014

Medicare: 2015 ‘Part B’ prices won’t rise
By Elizabeth O’Brien; MarketWatch ~ Oct 09, 2014

A maze to opt out of Obamacare individual mandate
By Rachael Bade; Politico ~ Oct 09, 2014

Obamacare Year 2: High Hopes, Huge Challenges
By Brianna Ehley; The Fiscal Times ~ Oct 09, 2014

Retirement Investing Should Be Easy
By Mitch Tuchman; Forbes ~ Oct 09, 2014

Next edition of is unveiled
By Ricardo Alonso-Zaldivar; The Associated Press ~ Oct 08, 2014

Study: Obamacare Will Reduce Employment By ‘At Least 3 Percent’
By Peter Fricke; The Daily Caller ~ Oct 08, 2014

5 Things You Didn't Know Your HSA Could Do
By Lacie Glover, NerdWallet; Everyday Health ~ Oct 08, 2014

Understanding Social Security’s ‘implicit debt’
By Alicia H. Munnell; MarketWatch ~ Oct 08, 2014

How Will Taxes Be Reconciled With Premium Subsidies?
By Michelle Andrews; Kaiser Health News ~ Oct 07, 2014

Like It Or Not, Obamacare Is Reshaping The Healthcare Industry
By Kathleen L. Brown; Forbes ~ Oct 07, 2014

Health law waivers: Too complicated to claim?
By Ricardo Alonso-Zaldivar; The Associated Press ~ Oct 07, 2014

Admin Forces Insurers To Keep Quiet About Problems
By Sarah Hurtubise; The Daily Caller ~ Oct 07, 2014 Still Suffers From Lack of Transparency
By Margot Sanger-Katz; The New York Times ~ Oct 07, 2014

States Still Wrestle With Exchange Issues From Last Year
From KHN Daily News; Kaiser Health News ~ Oct 07, 2014

Too Many Underestimate Healthcare Costs In Retirement
By Donna Fuscaldo; Fox Business ~ Oct 07, 2014

Medicare to overhaul rating system for nursing homes
By Elise Viebeck; The Hill ~ Oct 06, 2014

Wal-Mart plans 1-stop health coverage shopping
By Anne D'innocenzio, AP; Contra Costa Times ~ Oct 06, 2014

Retiree health care: Is long-term care insurance an answer?
By Rodney Brooks, USA Today; Oshkosh Northwestern ~ Oct 04, 2014

What to watch for this open enrollment season
By Pamela Yip, MCT; Lansing State Journal ~ Oct 04, 2014

Beware of Shifting Options Within Medicare Plans
By Tara Siegel Bernard, New York Times - Oct 3, 2014

Immigrants Kicked Off Obamacare Now Suing Over Discrimination
By Sarah Hurtubise; The Daily Caller ~ Oct 03, 2014

Obamacare Could Be On High Court's Docket Again
From KHN Daily News; Kaiser Health News ~ Oct 03, 2014

Obama To Questioner On Rising Health Costs: You’re Doing It Wrong
By Sarah Hurtubise; The Daily Caller ~ Oct 03, 2014

Insurers poised to cancel health plans that don’t comply with Affordable Care Act
By Julie Appleby; The Washington Post ~ Oct 02, 2014

Medicare to Reduce Hospital Payments
By Melinda Beck; The Wall Street Journal ~ Oct 03, 2014

7 Myths You Probably Believe About Social Security
From Erik Carter; Forbes ~ Oct 03, 2014

Motorola wraps up pension buyout at light speed
By Rob Kozlowski, Pensions & Investments 2.0 Still Won’t Show Whether Your Doctor’s Covered
By Sarah Hurtubise; The Daily Caller ~ Oct 02, 2014

Pension Benefit Guaranty Corporation (PBGC) Intends to Monitor Lump-sum and Annuity Cashouts Under Defined Benefit Plans
By McDermott Will & Emery; The National Law Review ~ Oct 02, 2014

Doctor Payments Show Little Value at Launch Time
By Kimberly Leonard; US News & World Report ~ Oct 01, 2014

ObamaCare power moves to states
By Sarah Ferris; The Hill ~ Oct 01, 2014 Delays Web Host Switch -- Update
By Louise Radnofsky & Stephanie Armour; NASDAQ ~ Oct 01, 2014

Obamacare Enrollment and Low Expectations
By Chris Jacobs; The Wall Street Journal ~ Oct 01, 2014

3 Common Home-Insurance Gaps to Fill
By Jessica L. Anderson ; Kiplinger ~ November, 2014

AP-GfK Poll: Divided voters still focus on economy
By Jennifer Agiesta; The Associated Press ~ Oct 01, 2014

Is Your Pension Imperiled?
By John Wasik; Forbes ~ Oct 01, 2014

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