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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.

The NRLN recently created the American Retirees Education Foundation (AREF) with a mission is to research, educate and inform retirees, future retirees and the general public on how best to protect and promote retirement income security and retiree health care. Contributions to AREF are tax deductible.

To learn more about the AREF, go to www.SeniorsAREF.org .

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PRESIDENT'S
 FORUM

Retirees Join Rally at U.S. Capitol to Stop Pension Cuts

As I looked out over the West Lawn of the U.S. Capitol on April 14 while awaiting my turn to speak, I could read placards “Why Won’t Congress Defend Retirees??”, “We Earned Our Pension – Stop The Cuts”, “Stop Pension Theft – Join the Fight Yours May Be Next”, “Steal Pensions Today, Social Security Tomorrow”, and dozens more. (photos at right.)

The placards were at a Washington, DC rally of some 4,000 Teamsters Union participants in the Central States Pension Fund who are facing severe July 1 pension benefit cuts under the Multiemployer Pension Reform Act (MPRA) passed by Congress in late December 2014 as part of the Fiscal Year 2015 spending bill. The outrage at the rally, amid chants of “No Cuts”, focused on the seeming lack of political will from Congress to rescue a pension plan or assist the retirees in other ways.

Beneficiaries in the Central States Pension Fund, which is projected to be insolvent within a decade, are some 400,000 retirees who worked in trucking, parcel delivery and grocery supply industries. The Central States Pension Fund is administered on behalf of employers and unions in industries where workers often move between companies in the same field. The Central States Pension Fund has $18 billion in assets and $35 billion in liabilities, with yearly payouts that exceed contributions.

I was invited to speak at the rally because the NRLN had opposed the passage of MPRA because it gave trustees of severely underfunded multiemployer pension plans the authority to propose to the Treasury Department reductions in pension payments of as much as 60 percent. The NRLN has also lobbied for legislation to rectify MPRA not only because it is unfair to retirees in multiemployer pension plans, but because it nullifies the benefit anti-cutback provision of the Employee Retirement Income Security Act of 1974 (ERISA) for multi-employer plans and sets a bad precedent that could someday negatively impact single employer pension plans and even Social Security and Medicare.

In my brief remarks, some of what I said was: “MPRA is not only setting a bad precedent for you it is setting it for the rest of the country. The suffering on your part is heard across the country in my organization. Our concern in the NRLN is this MPRA precedent will bleed into the single payer plans and disrespect every damn worker [and retiree] in this country.

“Congress ought to be sitting down and doing something for you. This so called solution is going to lead to even greater hardships than American seniors have experienced up to now. Have you heard of de-risking of pension plans? That says that companies are trying to do everything they can to get rid of pension plans in this country.

“We very much oppose MPRA. We will be with you and we will be on the Hill again lobbying our proposal to eliminate MPRA all together. Best to you and we will be supporting you.”

Until I heard the full story, I was not aware that pension benefits earned by these retirees was typically less than $3,000 a month for someone with over 25 years of service and that over 100,000 were at risk of losing up to 60% of that amount. Members of Congress talked about how named Wall Street firms that managed the Central States Fund lost far more assets than other plans did and created the failure of this very large plan.

There were at least a dozen members of Congress who spoke at the rally.

Ohio Representatives Marcy Kaptor and Tim Ryan talked about the bill they have introduced called the Keep Our Pension Promises Act (H.R. 2844) that would repeal MPRA, and would create a “legacy fund” with the Pension Benefits Guaranty Corporation (PBGC) to prop up plans such as Central States that are at risk of failing. (Vermont Senator Bernie Sanders, a Democratic presidential candidate, has introduced similar legislation—S.1631—in the Senate) Unfortunately, there does not seem to be sufficient support in the Republican-controlled Congress for either of these bills to move forward.

Ohio Senator Rob Portman spoke about the Pension Accountability Act (S. 2147), the legislation he has introduced that would change the voting process on any required cuts. His bill would keep the Treasury Department from overruling any vote retirees could take against potential pension cuts and require that only filled-out ballots be counted. That would keep pension trustees from sending out ballots that are never returned and counting them among the votes in favor. But Senator Portman has stopped short of calling for legislation that would immediately inject cash into the Central States Pension Fund.

Other members of Congress that I recall who spoke in support of the retirees included, Senators Tammy Baldwin (WI), Sherrod Brown (OH), Al Franken (MN), Chuck Grassley (IA), Heidi Heitkamp (ND) Debbie Stabenow (MI) and Elizabeth Warren (MA). Congresswoman Debbie Dingle (MI) also spoke in support.

Among other speakers were Teamsters General President Jim Hoffa, and Mike Walden and Bob Amsden, leaders of the pension committees throughout the country who organized the rally and arranged for bus transportation to Washington, DC. Karen Friedman, the Executive Vice President and Policy Director of the Pension Rights Center, called for repealing MPRA and finding a bipartisan solution that fixes the problem of underfunded multiemployer plans and the PBGC – and protects the pension promises of retirees.

The Treasury Department is set to make the final decision to move forward or not with the cuts and plan participants then would face a vote to accept them or risk losing the plan should it be unable to pay benefits. Let’s all hope the enthusiasm exhibited by retirees and the words of support from the politicians will result in the protection of these pension benefits.

It is significant to note that only PRC and NRLN advocate representatives were singled out to speak as defenders of ERISA protection for retirees. Your company Association and Chapter presidents, NRLN board members, Regional Grassroots Vice Presidents and our Executive Director in Washington D.C. work hard to earn and maintain the respect needed to be in a national leadership position on pension issues.

Bill Kadereit, President
National Retiree Legislative Network

NRLN IS WORKING FOR YOU

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.


Pain around the Corner – Pensions

(May 5, 2016) When the NRLN issues an Action Alert we can tell from statistics produced in our database that some do not open the email and a number of those who do don’t follow up and send a letter to their members of Congress. It is regrettable that some individuals are insulated and unconcerned about the need to advocate legislation for important retirement issues. This message, Pain around the Corner – Pensions, is the first in a series of emails from me to address the need to protect pensions, Social Security, Medicare, and reduce the cost of health care, particularly the skyrocketing cost of prescription drugs.

Only legislation passed by Congress and signed into law by the President can address the need to protect pensions. Legislation is needed to force pension plan sponsors to obtain federal agency approval before merging a well-funded pension plan with one or more lower-funded plans to avoid having to contribute money to shore up the lower funded plans. Read more...


Deadline Extended for NRLN 2016 Survey

To provide more time to participate in the National Retiree Legislative Network (NRLN) 2016 online survey, the closing deadline for the survey has been extended from May 15 to May 25.

Click here to access the survey. When completing the survey, note that a number of the questions have multiple parts that request a response. There are only five demographic questions at the beginning of the survey that require an answer before advancing in the survey.

Your responses will be valuable to the NRLN Board, Retiree Association and NRLN Chapter leaders in planning the 2016-2017 Legislative Agenda initiatives and setting future directions and priorities for the NRLN, and your Retiree Association or NRLN Chapter. It will also provide the NRLN with an expanded understanding of issues regarding retirement security. The last NRLN survey was in May 2014.

Results will be compiled in total 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.


PENSION FUND RALLY

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Click here to read the SPRING 2015 issue of the NRLN FOCUS Newsletter


action alert

NRLN Action Alert – Pass Bills to Reduce Cost of Prescription Drugs

The NRLN has been advocating legislation to reduce the cost of prescription drugs. In 2015 there were 13 bills introduced in the U.S. House and U.S. Senate that the NRLN supports that, if passed, would result in savings to Americans and in some cases also to Medicare. These bill have automatically carried over into 2016, the second session of the 114th Congress. Click here to send the NRLN’s sample letters to your Representative and Senators to urge them to come together and form a consensus on which bills to pass to best address skyrocketing drug costs.


report card

NRLN Provides New “Report Card” Feature on Members of Congress

NRLN has introduced a “report card” for each state that shows whether the U.S. Representatives and Senators have supported bills in Congress advocated by the NRLN. Read all about it here.


NRLN members are saving big with the Free Health Savings Rx Card℠

The NRLN has arranged to offer you a Health Savings Rx Card™, at NO COST, that offers you and your family savings on prescription drugs, plus vision and hearing services and products.Click here to access the Rx Savings Card℠ website.If you do not already have a Health Savings Rx Card℠ you will need to create your personal login and then printout your free card. Savings information for prescription drugs, vision and hearing services and products is available through the links under the Savings Plus tab.


MEMBERS COMMENTS

Bonnie Gatewood, Livonia, MI...Thank you and the NRLN for all the work you do to help protect pension plans for so many. Your steady watch gives us hope that what we worked long and hard for (41 years in my case) will not be taken away.

Heather Ward, Canandaigua, NY...You [NRLN President Bill Kadereit] are one of our country’s most sincere and hardest working leaders. I am so impressed that you have chosen this arduous task at this time in your life. As a recent widow of a Kodak retiree, and one who has lost ALL of her husband’s Kodak Survivor benefits due to its bankruptcy, I feel that at least someone is in my corner, fighting the good fight. Thank you from the bottom of my heart!

more members comments here.

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Central States Pension Fund Drops Efforts to Create Second Bailout Plan
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JOHN BARRASSO: Obamacare shares blame for high drug prices
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New Obamacare Regulation Presses for Sex Change Surgery Coverage
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Sorry, We Don’t Take Obamacare
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House GOP Mulling Medicare Age Changes and Taxation on Premiums
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Judge rules for House Republicans in ObamaCare lawsuit
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Your Retirement Savings Might Not Go as Far
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Obama Health Care Regulators Are In A Last-Minute Frenzy To Do More Damage
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Another Major Insurer Is Tying Drug Prices to Health Outcomes
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Column: Your vanishing health coverage: Employers are cutting retiree health benefits at a rapid rate
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Top health official misled Congress on Obamacare exchange spending, House panel says
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GOP chairman sees funding deal soon on medical cures bill
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Study: Costs for most long-term care keep climbing
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The Social Security horror stories just keep piling up
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Pension chief warns of 'very difficult' cuts after Treasury rejection
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Inside Obama's New Healthcare Challenge: A Medical Bill You Can Understand
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A good prognosis for the Affordable Care Act as UnitedHealth says goodbye
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By Jonathon M. Trugman; New York Post ~ Apr 30, 2016

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By Michael Williamson; Bloomberg BNA ~ Apr 29, 2016

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By Meg Bryant; HealthcareDive ~ Apr 29, 2016

​Which insurer will be next to abandon Obamacare?
By Walecia Konrad; CBS News ~ Apr 28, 2016

Significant premium hikes expected under Obama health law
By Ricardo Alonso-Zaldivar & Tom Murphy; The Associated Press ~ Apr 28, 2016

Medicare battle brewing on Capitol Hill
By Peter Sullivan; The Hill ~ Apr 28, 2016

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By Saghi (Sage) Fattahian Patrick Rehfield ; Employee Benefit News ~ Apr 28, 2016

‘Obamacare For Retirement’ Hits Stumbling Block In The House
By Juliegrace Brufke; The Daily Caller ~ Apr 28, 2016

Survey: Obamacare Disapproval Surges
By Kimberly Leonard; US News & World Report ~ Apr 27, 2016

Obama administration takes step to reform Medicare payments
By Peter Sullivan; The Hill ~ Apr 27, 2016

PBGC offers sponsors a break on penalties
By Hazel Bradford; Pensions & Investments ~ Apr 27, 2016

The average American has this much retirement income
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By Brett Arends; MarketWatch ~ Apr 27, 2016

Americans' Biggest Financial Fears
From Mike Patton; Forbes ~ Apr 27, 2016

How Americans Blow $1.7 Trillion in Retirement Savings
By Ben Steverman; Bloomberg ~ Apr 27, 2016

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By John Merline; Investor’s Business Daily ~ Apr 26, 2016

Here's How Drug Prices Actually Work
By Lauren Silva Laughlin; Fortune ~ Apr 26, 2016

Finding Safe and Effective Pain Relief
By Nancy LeBrun; CNN ~ Apr 26, 2016

Plan ahead: 64% of Americans don't have a will
By Jeff Reeves; USA TODAY ~ Apr 26, 2016

Obamacare disaster will be Obama’s enduring domestic legacy
By Marc A. Thiessen; The Washington Post ~ Apr 25, 2016

New Obamacare Study Considers What Happens When Generous Government Subsidies End
From Brian Blase; Forbes ~ Apr 25, 2016

Hospitals, insurers, seniors demand action to lower prescription-drug costs
By Laurie McGinley; The Washington Post ~ Apr 25, 2016

87% of Americans Want Medicare to Have This Power, but the Federal Government Disagrees
By Sean Williams; The Motley Fool ~ Apr 24, 2016

Get Pumped: The Good News About Your Blood Pressure
By Sam Becker; The Cheat Sheet ~ Apr 24, 2016

Fountain of Youth? Drug Trial Has Seniors Scrambling to Prove They’re Worthy
By Jennifer Levitz; The Wall Street Journal ~ Apr 24, 2016

It's Thunderstorm Season: Here's How To Protect Your PC
From Brad Moon; Forbes ~ Apr 24, 2016

April 24 To Mark National Tax Freedom Day
By Eric Scheiner; Cybercast News Service ~ Apr 22, 2016

The High Fees You Don’t See Can Hurt You
By Jeff Sommer; The New York Times ~ Apr 23, 2016

Disappearing pensions hurt U.S. economy as well as workers
By Michael Molinski; USA TODAY ~ Apr 23, 2016

Obamacare Adviser: UnitedHealth Is Pulling Out Because Patients Were Too Sick
By Steve Guest; The Daily Caller ~ Apr 22, 2016

GOP group submits ObamaCare replacement plan
By Peter Sullivan; The Hill ~ Apr 22, 2016

Medicare aims to foster critical care talks with doctors
By Tom Murphy; The Associated Press ~ Apr 20, 2016

ObamaCare Enrollment Sinks 12% In 3 States Since Feb.
By Jed Graham; Investor’s Business Daily ~ Apr 21, 2016

Get Ready for Huge Obamacare Premium Hikes in 2017
By Eric Pianin; The Fiscal Times ~ Apr 21, 2016

CMS proposes raising payment rates for hospice, skilled nursing and rehab
By Virgil Dickson , Harris Meyer & Lisa Schencker; Modern Healthcare ~ Apr 21, 2016

How Medicare Penalizes Hospitals for Being Too Careful
By Jordan Rau; The New York Times ~ Apr 21, 2016

Presidential Candidates Not Addressing Aging and Retirement
By Rebecca Moore; Plansponsor ~ Apr 21, 2016

Health Care's Waiting Room Problem
From A. Gary Shilling; Forbes ~ Apr 21, 2016

Obama’s New Rule On Retirement Planning Faces Its Latest Hurdle
By Juliegrace Brufke; The Daily Caller ~ Apr 21, 2016

Can an annuity act as your pension plan?
By Jeff Reeves; USA TODAY ~ Apr 21, 2016

Medicare Delays New Consumer Hospital Ratings After Outcry
By Steve Sternberg; US News & World Report ~ Apr 20, 2016

Here’s how UnitedHealth’s Obamacare retreat does — or doesn’t — affect you
By Emma Court; MarketWatch ~ Apr 20, 2016

Feds Blow Off House Subpoena For Obamacare Co-Op Docs
By Kathryn Watson; The Daily Caller ~ Apr 20, 2016

GOP Congressman: IRS Too Busy Spying On Americans To Do Its Job
By Kathryn Watson; The Daily Caller ~ Apr 20, 2016

One of the nation’s largest pension funds could soon cut benefits for retirees
By Jonnelle Marte; The Washington Post ~ Apr 20, 2016

Five Things ACA Supporters Don't Want You To Know About UnitedHealth's Withdrawal From Obamacare
From Michael F. Cannon; Forbes ~ Apr 19, 2016

UnitedHealth's Obamacare Exit Adds Pricing Pressure on Rivals
By Caroline Humer, RNS; The New York Times ~ Apr 19, 2016

UnitedHealth to trim ACA exchanges to 'handful' of states
By Tom Murphy; The Associated Press ~ Apr 19, 2016

Insurers, Drugmakers Want to Exchange Info on Specialty Drugs
By Caitlin Owens; Morning Consult ~ Apr 19, 2016

Three GOP senators co-sponsor resolution to kill DOL fiduciary rule
By Christine Idzelis; InvestmentNews ~ Apr 18, 2016

45 Percent of Americans Won't Pay Federal Income Tax
Newsmax ~ Apr 18, 2016

Competition Suffers Most If UnitedHealth Exits Obamacare In 2017: Analysis
By Phil Galewitz; Kaiser Health News ~ Apr 18, 2016

Communicating With The 'Consumer' v. The 'Patient' In Healthcare
From Joanna Belbey; Forbes ~ Apr 18, 2016

Obamacare Expanding Coverage for the Poor, Study Finds
By Karen Pallarito; US News & World Report ~ Apr 18, 2016

Obamacare is helping a lot of people. Not everyone thinks that’s good news.
By Paul Waldman; The Washington Post ~ Apr 18, 2016

This May Mark the Beginning of the End for Obamacare
By Sean Williams; The Motley Fool ~ Apr 17, 2016

Medicare's 'Innovation Center' rebalancing quality and cost
By Ricardo Alonso-Zaldivar; The Associated Press ~ Apr 17, 2016

Is the U.S. government gambling with your health care?
By Dan Taylor; MorningTicker ~ Apr 17, 2016

Irate Over Taxes? IRS Progress on Cybersecurity Will Only Make You Angrier
By Robert Hackett; Fortune ~ Apr 16, 2016

Got Questions About Your Pension? Try These Helplines.
By Ashlea Ebeling; Forbes ~ Apr 16, 2016

Poll: Americans happy at home, upset with federal government
By Tammy Webber & Emily Swanson; The Associated Press ~ Apr 16, 2016

ObamaCare Is Fueling America’s Opioid Epidemic?!
By John Merline; Investor’s Business Daily ~ Apr 15, 2016

Should Medicare Add A Long-Term Care Benefit?
From Howard Gleckman; Forbes ~ Apr 15, 2016

As drug costs rise, a few bright spots appear for payers
By Leslie Small; FierceHealthPayer ~ Apr 15, 2016

PillPack vs. Express Scripts: When business turns ugly, people suffer
By Sara Ashley O'Brien ; CNN ~ Apr 15, 2016

Retirement Planners Call Each Other Ignorant And Badly Trained
By David Seidman; Investor’s Business Daily ~ Apr 15, 2016

Retirees Rally at the Capitol, Protesting Pension Cuts
By David M. Herszenhorn, New York Times – April 14, 2016

EXCLUSIVE: Taxpayers Rank Obamacare As Worst Government Mandate
By Juliegrace Brufke; The Daily Caller ~ Apr 14, 2016

Employer health benefits for U.S. retirees keep declining
By Mark Miller; Reuters ~ Apr 14, 2016

US Prescription Drug Spending Reached a Record $310 Billion Last Year
By Eric Pianin; The Fiscal Times ~ Apr 14, 2016

Study: Public Increasingly Appreciates Health Law, But Likability Remains Rooted In Politics
From KHN Morning Briefing; Kaiser Health News ~ Apr 14, 2016

Survey finds retirement savings stunted by healthcare costs
By Emily Rappleye; Becker’s Hospital CFO; ~ Apr 14, 2016

Hatch: IRS is 'most feared federal agency in the country'
By Naomi Jagoda; The Hill ~ Apr 14, 2016

Don't rely on the 4% rule for your retirement
By Carlos Dias Jr.; MarketWatch ~ Apr 14, 2016

Study Blasts Obamacare’s Menu Mandates As Having Zero Impact On Obesity
By Guy Bentley; The Daily Caller ~ Apr 13, 2016

S&P says Medicare Advantage issuers will be fine
By Allison Bell; LifeHealthPro ~ Apr 13, 2016

Drug plan hit with backlash
By Sarah Ferris; The Hill ~ Apr 12, 2016

New Medicare Primary Care Payment Initiative Designed To Switch Incentives
From KHN Morning Briefing; Kaiser Health News ~ Apr 12, 2016

HHS report: Dire warnings of ObamaCare price spikes wrong
By Peter Sullivan ; The Hill ~ Apr 12, 2016

Senators say IRS must better protect taxpayer data
By Meggie Morris, MNS; USA TODAY ~ Apr 12, 2016

IRS Commissioner: ‘More Than 1 Million Malicious Attempts’ to Access IRS Computers Daily
By Melanie Hunter; Cybercast News Service ~ Apr 12, 2016

It’s Still Open Season On Retirement Plan Participants
By Dan Solin; Huffpost Business ~ Apr 12, 2016

When you should hire a tax pro
By Daniel Goldstein; MarketWatch ~ Apr 12, 2016

THE FINAL FIDUCIARY RULE: WHAT DO PLAN SPONSORS NEED TO KNOW?
By Andrea L. Ben-Yosef, Bloomberg BNA – April 8, 2016

The 8 Obamacare Co-Ops Most Likely To Fail This Year
By Richard Pollock ; The Daily Caller ~ Apr 10, 2016

Warning: Medicare May Be Bad for Your Heart
By Scott Gottlieb; The Wall Street Journal ~ Apr 11, 2016

A Real-Life Tax Scam: This Is What IRS Phone Fraud Sounds Like
By Aarti Shahani; NPR ~ Apr 11, 2016

Roboadvisers set to capitalize under new U.S. retirement plan rule
By Tariro Mzezewa; Reuters ~ Apr 11, 2016

Medicare payment plan on cancer drugs sparks furious battle
By Ricardo Alonso-Zaldivar; The Associated Press ~ Apr 10, 2016

The new math on reverse mortgages
By Robert Powell; MarketWatch ~ Apr 10, 2016

What Are the Income Limits Where I Forfeit Social Security Benefits?
By Matthew Frankel; The Motley Fool ~ Apr 10, 2016

Deciding where home is can be a key question to the aging process
By Chris Farrell; Star Tribune ~ Apr 09, 2016

UnitedHealth Quitting Obamacare Markets in Georgia, Arkansas
By Zachary Tracer; Bloomberg ~ Apr 08, 2016

Prices And Health Care Quality: Many Consumers Don’t See A Link
By Michelle Andrews; Kaiser Health News ~ Apr 08, 2016

5 ways to become a smaller target for ransomware hackers
By Tami Abdollah; The Associated Press ~ Apr 08, 2016

Editorial: Retirement Savings Made Safer
By The Editorial Board; The New York Times ~ Apr 07, 2016

Uninsured Rate Hits New Low, but Obamacare’s Still a Hot Potato
Eric Pianin, The Fiscal Times – April 7, 2016

Allyson Schwartz Is Medicare Advantage’s Ambassador
By Caitlin Owens, MorningConsult – April 7, 2016

Older Voters Demand Leadership on Social Security From Next President: AARP Poll
ThinkAdvisor – April 7, 2016

11 ways to cut your taxes in retirement
By Andrea Coombes, MarketWatch – April 7, 2016

Why Ford Beat General Motors in U.S. Sales Last Month
By John Rosevear, Motley Fool – April 6, 2016

Women Bear the Burden of Retirement Health Care
By Jason Notte, MainSt – April 6, 2016

Keeping drug costs down in retirement
Sharon Epperson, CNBC – April 6, 2016

Labor Department rule sets new standards for retirement advice
By Jonnelle Marte, Washington Post – April 6, 2016

Will change come to the Social Security Windfall Elimination Provision?
By Jason J. Fichtner, MarketWatch – April 5, 2016

How Obamacare Just Made Filing Your Taxes Worse
By Nathan Nascimento, Time – April 5, 2016

Boomers: Retirement Income
By Dee Lee, CBS Boston – April 5, 2016

Recent Trends in Prescription Drug Costs
By Cynthia Cox, MPH; Rabah Kamal; Anne Jankiewicz; David Rousseau, MPH ; for the Kaiser Family Foundation

Exclusive: Makers took big price increases on widely used U.S. drugs
By Caroline Humer, Reuters – April 5, 2016

Analysis uncovers huge spike in prescription drug prices
CBS News – April 5, 2016

Federal Regulators Issue Medicare Advantage Rates for 2017
By Louise Radnofsky and Stephanie Armout, Wall Street Journal - April 4, 2016

Sicker Patients Seem at a Disadvantage With Medicare Advantage
By Austin Frakt, New York Times – April 4, 2016

8 Important Questions To Ask Yourself Before Moving In Retirement
By Nancy Anderson, Forbes – April 4, 2016

4 Jaw-Dropping Stats About Retirement
Motley Fool – April 4, 2016

Saving for Retirement? The Rulebook Is About to Change
By Jason Zweig, Wall Street Journal – April 4, 2016

Discounted Prescription Drugs Could Save Patients From Making Deadly Medical Decisions
CBS News – March 29, 2016

The Federal Government's $146 Billion Obamacare Boo-Boo
The Motley Fool ~ Apr 03, 2016

Global research sees statin benefits in lower risk patients
By Lindsey Tanner; The Associated Press ~ Apr 02, 2016

9 Social Security facts every retiree should know
By Todd Campbell, TMF; USA TODAY ~ Apr 03, 2016

That dirt-cheap car insurance quote can wind up costing you
By Alex Glenn; USATODAY ~ Apr 03, 2016

UnitedHealth wagers $65 million on ounce of primary-care prevention
KHOU ~ Apr 02, 2016

Under pressure to digitize everything, hospitals are hackers’ biggest new target
By Carolyn Y. Johnson & Matt Zapotosky; The Washington Post ~ Apr 01, 2016

Insurers cut commissions to restrict when and what plans people buy
By Jayne O'Donnell; USA TODAY ~ Mar 31, 2016

ObamaCare Keeps Our Health System In A State Of Emergency
By Sally Pipes; Investor’s Business Daily ~ Apr 01, 2016

What to do if you inherit an IRA
By Bill Bischoff; MarketWatch ~ Apr 01, 2016

U.S. to unveil retirement advice rule next week: source
By Lisa Lambert & Tariro Mzezewa; Reuters ~ Apr 01, 2016

Social Security Woes Deepen As Talk Of Fix Recedes
By Jed Graham; Investor’s Business Daily ~ Apr 01, 2016

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