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 .

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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.

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Report Calls for More Disclosures in Lump Sum Offers

Gaining more disclosure for retirees by pension plan sponsors who offer a lump sum buyout to replace lifetime pension benefits has been an objective of the NRLN. U.S. Representative Sander Levin (MI-09), the Ranking Member on the House Ways and Means Committee, has announced that at his request the Government Accountability Office (GAO) has issued a report that lays out recommendations to ensure that pension plan participants have better information when offered lump sums. The report presents recommendations for the Departments of Labor (DoL) and Treasury, the Pension Benefit Guaranty Corporation (PBGC) and pension plans.

On behalf of the more than 2 million retirees represented by the NRLN and our 10,525 grassroots advocates in Michigan, I have sent a letter to Congressman Levin thanking him for his efforts and that of retired California Congressman George Miller that resulted in the GAO’s report.

Congressman Levin recognizes that pension plan de-risking through lump-sum buyout offers and the conversion of pensions to annuities purchased from insurance companies is of great concern to workers and retirees. His statement in his office’s news release was right on target that, “Plan participants must have all the information they need to make an informed decision about the long-term impact of a lump sum payment instead of a defined benefit on their retirement.”

In my letter to Congressman Levin, I cited this example. On Wednesday, Feb 3, I was with leaders of the Chrysler, General Motors and Lucent retiree organizations who met with 11 staff members of the Department of Labor’s Employee Benefits Security Administration (EBSA). The purpose of the meeting was to discuss pension plan de-risking and, in particular, Alcatel-Lucent’s announced intension to offer lump sum pension buyouts in 2015. The Lucent retirees expressed their concerns regarding the lack of specific disclosure requirements to fully explain the considerations for accepting or rejecting a lump sum offer and the resulting consequences that need to be considered. Other NRLN leaders from the Detroit Edison Alliance of Retirees (DEAR) attended and expressed the need for greater disclosure by plan sponsors as well. Our members are hopeful that EBSA, DoL, Treasury and the PBGC will act quickly as companies continue their de-risking efforts at a fast pace.

Congressman Levin’s news release noted that additional information from the GAO regarding de-risking strategies is anticipated in the coming months as it pursues its investigation into the trend of companies to de-risk their pension plan liabilities by either offering lump sum payments to plan participants or by transferring those liabilities to private companies who would in turn provide a replacement retirement annuity.

The GAO report, “Private Pensions: Participants Need Better Information When Offered Lump Sums that Replace Their Lifetime Benefits,” is available on GAO’s website . It is estimated that nearly 200 pension plan sponsors implemented lump sum offers during 2012, and tens and maybe hundreds more plans were looking to de-risk through lump sum offers in the coming years.

The NRLN will continue to track actions taken by the federal agencies and pension plan sponsors to provide a greater degree of disclosure and protection for retirees. I want to thank those of you who have advocated the NRLN’s position on the need for more disclosures and especially thank the leaders of our organizations in Michigan who have met with Congressman Levin’s staff members the past several years.

Bill Kadereit, President
National Retiree Legislative Network


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.


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

action alert

Pass Medicare Access to Rehabilitation Services Act of 2015

Prior to a March 31 deadline Congress needs to pass the Medicare Access to Rehabilitation Services Act of 2015 (H.R. 775 and S. 539) which would repeal the cap on Medicare outpatient rehabilitation therapy services and speech-language pathology services. Click here to send the NRLN’s sample letter to your Representative and Senators to communicate the urgency for passing the Medicare Access to Rehabilitation Services Act of 2015.

Positive News for Medicare Beneficiaries

The NRLN and our grassroots advocates have been lobbying members of Congress for legislative action to eliminate Medicare’s requirement that beneficiaries must be in a hospital as an “inpatient” for three-days to be eligible for skilled nursing facility (SNF) services. Beneficiaries are often unaware that a hospital has admitted them as an “outpatient under observation” status rather than as an “inpatient”. Those admitted as an “outpatient under observation” who later receive SNF services are often surprised when they are billed for the services that Medicare will not cover.

We have some positive news. The powerful House Ways and Means committee has passed H.R. 876 the “Notice of Observation Treatment and Implication for Care Eligibility Act” or known as the “Notice Act”. The bill still needs to be passed by the entire House, then the Senate and signed into law by the President. Read more...

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.

For recent mail from our members, click here.


House passes Boehner-Pelosi Medicare deal in resounding vote
By Peter Sullivan & Cristina Marcos; The Hill ~ Mar 26, 2015

ObamaCare under fire in ‘vote-a-rama’
By Sarah Ferris; The Hill ~ Mar 26, 2015

Higher Medicare costs planned for some seniors in 2018
By Brian Tumulty; USA TODAY ~ Mar 26, 2015

High-Deductible Plans Bring Lower Costs Now, But Will They Bring Pricey Problems?
By Jay Hancock; Kaiser Health News ~ Mar 26, 2015

Report: Most Doctors Not Flooded With New, Sicker Patients Under ACA
From KHN Morning Briefing; Kaiser Health News ~ Mar 26, 2015

Patients Often Aren't Offered Minimally Invasive Surgery
By Nancy Shute; NPR ~ Mar 25, 2015

Seniors rattled by endless risk of Medicare cuts to doctors
By Ricardo Alonso-Zaldivar; The Associated Press ~ Mar 25, 2015

Obama says he's ready to sign Medicare doctor payment fix
By Nedra Pickler; The Associated Press ~ Mar 25, 2015

Social Security will barely cover your health costs
By Anne Tergesen; MarketWatch ~ Mar 25, 2015

EXCLUSIVE: Democratic Senators Beg For Another Obamacare Delay
By Patrick Howley; The Daily Caller ~ Mar 23, 2015

It’s Obamacare’s First Tax Season. Can The IRS Handle It?
By Wes Venteicher, CT; Kaiser Health News ~ Mar 24, 2015

Half of ObamaCare subsidy recipients will owe on their taxes
By Sarah Ferris; The Hill ~ Mar 24, 2015

Medicare doctor pay fix prospects brighten in Congress
By Susan Cornwell; Reuters ~ Mar 24, 2015

Dems offer amendment to protect Social Security
By Jordain Carney; The Hill ~ Mar 24, 2015

Advocates push for more multiemployer reform
By Hazel Bradford; Pensions & Investments ~ Mar 23, 2015

Obamacare subsidies likely expanded insurance coverage: report
By Susan Cornwell; Reuters ~ Mar 23, 2015

Obamacare At Five Years Old: A Disappointment
From Sally Pipes; Forbes ~ Mar 23, 2015

Republicans have it half-right with ACA alternatives
By Gerard Gianoli, M.D. ; The Hill ~ Mar 23, 2015

FAQ: What’s In The House’s Proposal To Fix Medicare’s Payments To Doctors
By Mary Agnes Carey; Kaiser Health News ~ Mar 23, 2015

Reimburse doctors for helping patients plan end of life care, experts say
By Randi Belisomo; Reuters ~ Mar 23, 2015

The Many Costs Of Obama's Executive Amnesty
By Phyllis Schlafly; Investor’s Business Daily ~ Mar 23, 2015

ERISA Advisory Council to study derisking and lifetime participation
By Hazel Bradford; Pensions & Investments ~ Mar 23, 2015

8 Questions To Ask Before Taking A Pension Lump Sum Offer
By Ashlea Ebeling; Forbes ~ Mar 23, 2015

There's a code for that: Doctors brace for 155,000 choices to explain medical issues
From The Associated Press; Reading Eagle ~ Mar 22, 2015

On 5th anniversary of health care law, no end to debate
By Ricardo Alonso-Zaldivar; The Associated Press ~ Mar 22, 2015

Congress to Weigh a Plan to Protect Medicare Fees and Children’s Insurance
By Robert Pear; The New York Times ~ Mar 22, 2015

80,000 ObamaCare tax forms on hold
By Peter Sullivan; The Hill ~ Mar 21, 2015 - 03/20/15 02:04 PM EDT

Senate Dems say emerging Medicare deal does not pass 'test'
By Peter Sullivan; The Hill ~ Mar 21, 2015

Why Your Credit in Retirement Is More Important Than You Think
From Gerri Detweiler,; ABC News ~ Mar 21, 2015

Social Security's uncertain future
From Brenton Smith; The Hill ~ Mar 19, 2015

New report outlines changes to Obamacare done without Congressional consult
The Ripon Advance ~ Mar 20, 2015

Many Uninsured Choose Penalty Over Enrollment Offer Under Health Law
By Stephanie Armour; The Wall Street Journal ~ Mar 20, 2015

Health Law Brings No Drop In Insurance Enrollment At Work, Study Finds
By Michelle Andrews; Kaiser Health News ~ Mar 20, 2015

White House Fires Warning Shot At Republicans On Social Security
By Sahil Kapur; Talking Points Memo ~ Mar 20, 2015

How Retirees Make The Money To Pay The Bills, Enjoy Life
By IBD Staff; Investor’s Business Daily ~ Mar 20, 2015

A 'Moral Document': GOP Again Targets Social Security, Medicare
By Richard Eskow, Huffington Post – Mar 19, 2015

When You Must Take Money Out of Your I.R.A. or 401(K)
By Ann Carrns; The New York Times ~ Mar 19, 2015

Brochures for lump-sum pension offers don't tell all you need to know
By Mark Miller; Reuters ~ Mar 19, 2015

Rate hikes to help pensions but cool valuations
By James Saft; Reuters ~ Mar 19, 2015

How to Increase Your After-Tax Wealth in Retirement
By Wade Pfau; The Wall Street Journal ~ Mar 19, 2015

Republicans move closer to ObamaCare fallback
By Sarah Ferris; The Hill ~ Mar 18, 2015

Don’t turn back clock on seniors’ healthcare
By Reps. Erik Paulsen (R-MN) & Scott Peters (D-CA) ; The Hill ~ Mar 18, 2015

Retirees Could Lose their 'Guaranteed' Health-Care Benefits
By Allison Schrager; Bloomberg ~ Mar 18, 2015

OVERNIGHT HEALTHCARE: Mounting opposition to Medicare deal
By Peter Sullivan; The Hill ~ Mar 17, 2015

Improper Medicare-Medicaid Payments Up 20%; $77.4B in FY14
By Terence P. Jeffrey; Cybercast News Service ~ Mar 17, 2015

House leaders work on $213B plan on doc Medicare payments
By Alan Fram & Andrew Taylor; The Associated Press ~ Mar 17, 2015

Premiums up modestly for cheapest silver plans
By Dan Cook; BenefitsPro ~ Mar 17, 2015

Funding Cliff Threatens Community Health Centers
By Kimberly Leonard ; US News & World Report ~ Mar 17, 2015

What You Need To Know About Volunteering During Retirement
From Robert Laura; Forbes ~ Mar 17, 2015

More Phony ObamaCare Numbers From The White House
Investor’s Business Daily ~ Mar 16, 2015

New Report: Health Law Has Helped Insure 16.4 Million
By Julie Rovner; Kaiser Health News ~ Mar 16, 2015

The Skill That Could Make Or Break Your Retirement
From Nancy Anderson; Forbes ~ Mar 16, 2015

Obamacare Led To Few Cancelled Policies After All
By Bruce Japsen; Forbes ~ Mar 15, 2015

Rural hospitals, beset by financial problems, struggle to survive
By Guy Gugliotta; The Washington Post ~ Mar 15, 2015

Retirement news: The week in review
By Robert Powell, MarketWatch – Mar 13, 2015

Cool reception for new sign-up window under health care law
By Ricardo Alonso-Zaldivar; The Associated Press ~ Mar 14, 2015

Study: Medicare gaps cost retirees
By Brian Tumulty, USA Today; Poughkeepsie Journal ~ Mar 14, 2015

Say what? Social Security data says 6.5M in US reach age 112
By Stephen Ohlemacher; The Associated Press ~ Mar 14, 2015

Avoid A Retirement Full Of Hindsight
By Robert Laura; Forbes ~ Mar 14, 2015

Some taxpayers still waiting for corrected ObamaCare forms
By Peter Sullivan; The Hill ~ Mar 13, 2015

Members of Congress push back on Medicare Advantage cuts
By Sarah Ferris; The Hill ~ Mar 13, 2015

House leaders in talks over $200B Medicare deal
By Ayla Ellison ; Becker’s Hospital Review ~ Mar 13, 2015

Sanders wants to increase taxes to bolster Social Security
By Jordain Carney; The Hill ~ Mar 13, 2015

Democrats Need To Compromise On Healthcare Reform
By Doug Schoen; Forbes ~ Mar 13, 2015

Healthcare spending rate up 5 percent in January, report says
By Henry Powderly; Healthcare Finance ~ Mar 13, 2015

The Trouble With Advance Directives
By Paula Span; The New York Times ~ Mar 13, 2015

Momentum building in Congress for $174 billion Medicare fix
By Peter Sullivan & Sarah Ferris; The Hill ~ Mar 12, 2015

Poll: America's most important problem? Government
By Kendall Breitman; Politico ~ Mar 12, 2015

'Hybrid' pensions may need new accounting rules: IASB
By Carolyn Cohn; Reuters ~ Mar 12, 2015

5 disastrous trends impacting future retirees
By Henry K. Hebeler; MarketWatch ~ Mar 12, 2015

Sen. Bernie Sanders: ‘When People Tell You Social Security Is Going Broke,’ Tell Them They’re Lying
By Ali Meyer; Cybercast News Service ~ Mar 12, 2015

Fake IRS agents target more than 366,000 in huge tax scam
By Stephen Ohlemacher; The Associated Press ~ Mar 12, 2015

How Retirees Can Get More Bang From Their Bonds
By Eleanor Blayney; The Wall Street Journal ~ Mar 12, 2015

Barrasso To WH: ‘Stop Celebrating’ Unpopular Obamacare
By Sarah Hurtubise; The Daily Caller ~ Mar 11, 2015

House leaders looking for deal to halt Medicare payment cuts
By Alan Fram; The Associated Press ~ Mar 11, 2015

The End Of Employer-Provided Health Insurance
From Richard Eisenberg; Forbes ~ Mar 11, 2015

Live Long and Prosper? Insurance Might Help
By John F. Wasik; The New York Times ~ Mar 11, 2015

How to Choose a Financial Advisor
From Tania Brown; Forbes ~ Mar 11, 2015

5 Tips for Passing a Personal-Finance Stress Test
By Liz Moyer; The Wall Street Journal ~ Mar 11, 2015

Is it Too Late for Tax Planning for 2014?
From Bonnie Lee; Fox Business ~ Mar 10, 2015

Obamacare's Good News Only Tells Half the Story
By Megan McArdle; Bloomberg View ~ Mar 10, 2015

7.7M ObamaCare customers qualify for subsidies in 2015
By Sarah Ferris; The Hill ~ Mar 10, 2015

USDA Boasts: 1 in 4 Americans 'Rely' on Federal Food Assistance
By Penny Starr; Cybercast News Service ~ Mar 10, 2015

Pension lump-sum offers don’t tell retirees enough: study
By Glenn Ruffenach; MarketWatch ~ Mar 10, 2015

Opinion: Don't Blame Canada (for Cheap Drugs)
The Editors, Bloomberg View – Mar 5, 2015

ObamaCare Sticker Shock: 2016 Premiums To Spike 8.5%
By Jed Graham; Investor’s Business Daily ~ Mar 09, 2015

CBO: Slowing costs reduce price of health care overhaul
By Stephen Ohlemacher; The Associated Press ~ Mar 09, 2015

How new changes by credit-reporting firms may affect you
By Michelle Chapman & Alex Veiga; The Associated Press ~ Mar 09, 2015

Creating Your Own Retirement Community
From Beth Baker; Forbes ~ Mar 09, 2015

AP Analysis: 5 reasons why health overhaul drama plays on
By Ricardo Alonso-Zaldivar; The Associated Press ~ Mar 08, 2015

Federal health records program leaves some medical professionals out of loop
By Lisa Gillespie; The Washington Post ~ Mar 08, 2015

How To Get Hired For A Part Time Job In Retirement
By Robert Laura ; Forbes ~ Mar 08, 2015

Study: No Shortage Of Free-Market Alternatives To Obamacare
By Peter Fricke; The Daily Caller ~ Mar 06, 2015

GOP braces for ObamaCare win
By Sarah Ferris; The Hill ~ Mar 07, 2015

What precision medicine can learn from Obamacare
By Sreedhar Potarazu; The Hill ~ Mar 06, 2015

How Obamacare fails the poor and middle class
By Scott W. Atlas; CNN ~ Mar 04, 2015

How We Spend Our Health Care Dollars As We Age
By Howard Gleckman ; Forbes ~ Mar 06, 2015

Retirement in a Community. But Which One?
By Harriet Edleson; The New York Times ~ Mar 06, 2015

7 Financial Scams that Target Seniors
From; Fox Business ~ Mar 06, 2015

Justice Scalia boosts Republican hopes in ObamaCare challenge
The Hill ~ Mar 05, 2015

Did John Roberts Tip His Hand?
By Jeffrey Toobin; The New Yorker ~ Mar 04, 2015

GOP bill would replace ObamaCare subsidies for 18 months
By Sarah Ferris; The Hill ~ Mar 05, 2015

Pension funding up, but still way short
By Lawrence Delevingne; CNBC ~ Mar 05, 2015

Roberts, Obamacare's savior in 2012, seems inscrutable this time
By Joan Biskupic; Reuters ~ Mar 04, 2015

U.S. Supreme Court split over Obamacare challenge
By Lawrence Hurley; Reuters ~ Mar 04, 2015

Share of consumer spending on health care hits another record
By Jeffry Bartash; MarketWatch ~ Mar 04, 2015

The Surprising Amount Retirees Pull Out of Savings
By Richard Eisenberg; Next Avenue ~ Mar 04, 2015

States Want To Cut Taxes Even More on Pensions. Bad Ideas Never Die.
From Howard Gleckman; Forbes ~ Mar 04, 2015

Democrats launch tax offensive
By Alexander Bolton; The Hill ~ Mar 04, 2015

Americans Aren’t Saving Enough for Retirement, but One Change Could Help
By Eduardo Porter; The New York Times ~ Mar 04, 2015

Cruz unveils ObamaCare alternative
By Peter Sullivan; The Hill ~ Mar 03, 2015

Insurers’ Biggest Fear: A Health-Law Death Spiral
By Anna Wilde Mathews; The Wall Street Journal ~ Mar 03, 2015

Obamacare case: All eyes on 2 justices
By Jennifer Haberkorn & Josh Gerstein; Politico ~ Mar 03, 2015

Americans Are Feeling a Little Better About Their Retirement Crisis
By Suzanne Woolley; Bloomberg ~ Mar 03, 2015

Obama not preparing healthcare backup plan for court
By Sarah Ferris; The Hill ~ Mar 02, 2015

King v. Burwell: The Right(s) response
By Sen. Bill Cassidy (R-La.), MD; The Hill ~ Mar 02, 2015

Is Supreme Court's chief justice ready to take down ObamaCare?
By Peter Sullivan; The Hill ~ Mar 01, 2015

Hospital Profits Soar As Obamacare Prescribes More Paying Patients
From Bruce Japsen; Forbes ~ Mar 01, 2015

GOP senators pledge help if court bars health law subsidies
By Alan Fram; The Associated Press ~ Mar 01, 2015

GOP fears grow over ObamaCare challenge
By Sarah Ferris; The Hill ~ Mar 01, 2015

Washington Post columnist Gruberizes Medicare argument
By Michael Busler; CDN ~ Feb 28, 2015

How to choose a financial adviser who's right for you
By Gregory Karp; Chicago Tribune ~ Feb 28, 2015

The Inside Story Of How Citizens United Has Changed Washington Lawmaking
By Paul Blumenthal and Ryan Grim, Huffington Post – Feb 26, 2015

5 Things To Know About The Supreme Court Case Challenging The Health Law
By Julie Rovner; Kaiser Health News ~ Feb 27, 2015

Paul Ryan to attend ObamaCare arguments at the Supreme Court
By Sarah Ferris; The Hill ~ Feb 27, 2015

The Drug Pipeline Flows Again
By Robert Langreth & Oliver Staley; Bloomberg ~ Feb 27, 2015

Obama struggles with Wall Street to woo Democrats over broker rules
By Sarah N. Lynch & Suzanne Barlyn; Reuters ~ Feb 27, 2015

Some Republicans seek extension to health-law credits
By Louise Radnofsky &d Stephanie Armour; MarketWatch ~ Feb 26, 2015

Is Washington Ready for the Death of Obamacare?
By Joshua Green; Bloomberg ~ Feb 26, 2015

4 Simple (And Objective) Ways To Tell If Obamacare Is "Working"
From Chris Conover; Forbes ~ Feb 26, 2015

By Kristen Ricaurte Knebel; Bloomberg BNA ~ Feb 26, 2015

This Chart: Social Security Disability 'Crisis' Might Already Be Over
By Dylan Scott; Talking Points Memo ~ Feb 12, 2015

The silent struggle of seniors with debt
From Chris Taylor; Reuters ~ Feb 26, 2015

Both parties face risks as health care law court case nears
By Alan Fram; The Associated Press ~ Feb 25, 2015

Republicans suspect the White House is hiding ObamaCare fallback plan
By Sarah Ferris; The Hill ~ Feb 25, 2015

New Online Tool Gives Patients Insight Into The Cost Of Medical Care
By Jay Hancock; Kaiser Health News ~ Feb 25, 2015

Insurance group raises alarms about looming ObamaCare case
By Sarah Ferris; The Hill ~ Feb 25, 2015

GOP senators blast union 'carve out' in ObamaCare tax
By Peter Sullivan; The Hill ~ Feb 25, 2015

Got a pension? Act now to save it
By Robert Powell; MarketWatch ~ Feb 25, 2015

Administration: No quick fix if court kills health subsidies
By ALAN FRAM; The Associated Press ~ Feb 24, 2015

Treasury issues reprieve for health law tax errors
By Ricardo Alonso-Zaldivar; The Associated Press ~ Feb 24, 2015

H&R Block: Majority of ObamaCare customers paying back subsidy
By Sarah Ferris; The Hill ~ Feb 24, 2015

U.S. High Court Hints at New Monitoring Rules for 401(k) Plans
By Greg Stohr; Bloomberg Business ~ Feb 24, 2015

Stern Advice: Don't wait for Washington to protect retirement investors
By Linda Stern; Reuters ~ Feb 24, 2015

Filing for Social Security Spousal Benefits
By Gail Buckner; Fox Business ~ Feb 23, 2015

Longer Lives Hit Companies With Pension Plans Hard
By Michael Rapoport; The Wall Street Journal ~ Feb 23, 2015

Capitol Hill Buzz: Sen. Hatch prepping health plan
By Alan Fram; The Associated Press ~ Feb 23, 2015

Obama Administration Disallows Plans Without Hospital Coverage
By Jay Hancock; Kaiser Health News ~ Feb 23, 2015

Doctors say data fees are blocking health reform
By Arthur Allen; Politico ~ Feb 23, 2015

Five Ways Your Financial Adviser Can Screw Up Your Retirement, Legally
By Ben Steverman; Bloomberg Business ~ Feb 23, 2015B

Obama takes aim at brokers' fees on U.S. retirement accounts
By Jeff Mason & Sarah N. Lynch; Reuters ~ Feb 23, 2015

How I Was Stung By A Tax Scam And How You Can Avoid One
From John Wasik; Forbes ~ Feb 23, 2015

Congress' Social Security "Reform" Means Cuts
By Robert Weiner and Autumn Kelly, Palm Beach Post – Feb 21, 2015

Paging Physician Assistants As Obamacare Fuels Demand
By Bruce Japsen; Forbes ~ Feb 22, 2015

Governors: No clear plan if health care subsidies fall
By Steve Peoples; The Associated Press ~ Feb 22, 2015

AP-GfK Poll: Most back Obama plan to raise investment taxes
By Stephen Ohlemacher & Emily Swanson; The Associated Press ~ Feb 22, 2015

Financial advisers push back on proposed new rules
By Kevin Cirilli; The Hill ~ Feb 20, 2015

Retiree home buying tips
By Adam Verwymeren; Fox News ~ Feb 20, 2015

OMG! What Do I Do? I’m Missing a W2
By Bonnie Lee; Fox Business ~ Feb 201, 2015

What Makes A "SuperAger"?
From Carolyn Rosenblatt; Forbes ~ Feb 21, 2015

Feds seek 1 percent cut in Medicare Advantage
By Sarah Ferris; The Hill ~ Feb 20, 2015

ObamaCare sign-ups to start earlier in 2016
By Sarah Ferris; The Hill ~ Feb 20, 2015

ObamaCare enrollment to reopen
By Peter Sullivan; The Hill ~ Feb 20, 2015

Almost Half The Uninsured Still Don’t Know They Owe An Obamacare Penalty
By Sarah Hurtubise; The Daily Caller ~ Feb 20, 2015

Wrong Health Tax Credit Statements Sent to 800,000
By Louise Radnofsky; The Wall Street Journal ~ Feb 20, 2015

How To Turn Your Retirement Savings Into Retirement Income
From Erik Carter; Forbes ~ Feb 20, 2015

Longer lifespans strain pensions
By David Lynch, Bloomberg News – Feb 2, 2015

Vitter: Clerks are blocking ObamaCare investigation
By Sarah Ferris; The Hill ~ Feb 19, 2015

Obama pressured to re-open ObamaCare
By Sarah Ferris & Peter Sullivan; The Hill ~ Feb 19, 2015

Obamacare Is Barely Denting Corporate Profits
By Michelle Fay Cortez & Alexander Wayne; Bloomberg Business ~ Feb 19, 2015

Seniors call for action as White House starts aging forums
By Matt Sedensky, AP; Miami Herald ~ Feb 19, 2015

Do Obamacare's Challengers Have A 'Nutty,' 'Stupid' Or 'Screwy' Interpretation Of The Law?
By Chris Conover; Forbes ~ Feb 18, 2015

Contra White House, Obamacare Exchanges Enroll Roughly 5 Million Uninsured, Not 11.4 Million
By Avik Roy; Forbes ~ Feb 18, 2015

Dems gloat over ObamaCare numbers
By Peter Sullivan; The Hill ~ Feb 18, 2015

Marketplace Website Still Has Many ‘Back End’ Glitches Affecting Insurers
From KHN Morning Briefing; Kaiser Health News ~ Feb 18, 2015

Doctors Strive to Do Less Harm by Inattentive Care
By Gina Kolata; The New York Times ~ Feb 17, 2015

Opinion: Social Security Could Be In Worse Shape Than We Thought
By Jamie Hopkins ; Forbes ~ Feb 18, 2015

How Insurers Can Hit You With $10,000 Health Care Bills—Even When You're Covered
By Julie Appleby, KHN; The Daily Beast ~ Feb 17, 2015

Obamacare rescue ruled out by some states, others weigh options
By David Morgan; Reuters ~ Feb 17, 2015

Millions In Health Coverage ‘Gap’ Won’t Be Penalized
From KHN Morning Briefing; Kaiser Health News ~ Feb 17, 2015

Figuring Out If A Doctor Is In Your Plan Is Harder Than You Think
By Michelle Andrews; Kaiser Health News ~ Feb 17, 2015

White House: Health law sign-ups top 11M
By Ricardo Alonso-Zaldivar; The Associated Press ~ Feb 17, 2015

Dems Brandish New Counterproposal In Social Security Fight: Tax The Rich
By Dylan Scott; Talking Points Memo ~ Feb 17, 2015

Feds, states extend Obamacare enrollment period for some
By Laura Ungar; USA TODAY ~ Feb 16, 2015

Democrats seek relief from health law penalties
By Ricardo Alonso-Zaldivar; The Associated Press ~ Feb 16, 2015

Do the Wealthy Really Pay Their ‘Fair Share’? Economics Professor Breaks It All Down
By Billy Hallowell; TheBlaze ~ Feb 16, 2015

Congress Starts Its Own TurboTax Probes
By John D. McKinnon & Laura Saunders; The Wall Street Journal ~ Feb 16, 2015

Flurry of sign-ups at health law deadline; web glitch fixed
By Ricardo Alonso-Zaldivar; The Associated Press ~ Feb 15, 2015

“I was blindsided:” Woman says she was shocked to learn she must pay back her Obamacare subsidy
By CNN Wire Service; Fox 6 Now ~ Feb 15, 2015

Bill Maher Turns On Obamacare? ‘It’s More Expensive, Too Confusing’
By Jamie Weinstein; The Daily Caller ~ Feb 14, 2015

U.S. agency says work to fix problem hampering Obamacare applications
By Mohammad Zargham; Reuters ~ Feb 14, 2015

Millions in health coverage gap seek to avoid tax penalty
By Emily Schmall; The Associated Press ~ Feb 14, 2015

Stiffer Tax Penalties Used to Spur Insurance Enrollment
By Michael D. Shear & Robert Pear; The New York Times ~ Feb 14, 2015

Tips for Navigating a Changing Tax Landscape
By Jan M. Rosen; The New York Times ~ Feb 14, 2015

Social Security debate reignites
By Rebecca Shabad; The Hill ~ Feb 14, 2015

Concierge Medicine Firm Found Liable For Doctor’s Negligence
By Phil Galewitz; Kaiser Health News ~ Feb 12, 2015

Latinos Elude Obamacare in Struggle to Lure Growing Population
By Alexander Wayne; Bloomberg ~ Feb 13, 2015

Busted: Obamacare Co-Ops Are Underwater And Sinking Fast
By Merrill Matthews; Forbes ~ Feb 13, 2015

Report: Expect Worst IRS Service This Season, but Blame Tax Agency
By Cathy Burke; Newsmax ~ Feb 13, 2015

Inequality Helps Fuel a Social Security Death Spiral
By Erik Sherman, Forbes – Feb 11, 2015

GOP plea on Social Security disability: Do something, Obama
By David Rogers, Politico – Feb 11, 2015

The Rising Toll of Inequality on Social Security
By Philip Moeller, Time.Com – Feb 12, 2015

HHS To Stop Obamacare Coverage For 200,000 Illegal Aliens
By Rachel Stoltzfoos; The Daily Caller ~ Feb 12, 2015

House bill would repeal ObamaCare tax on insurance companies
By Sarah Ferris; The Hill ~ Feb 12, 2015

Medicare's Biggest Little Secret: Seniors Can Have A Medical Savings Account
By Greg Scandlen; Forbes ~ Feb 12, 2015

Charity Tax Breaks Yield Bipartisan Challenge to Obama
By Richard Rubin; Bloomberg ~ Feb 12, 2015

Online Filers: Pay Attention to the Fine Print!
By Dunstan Prial; Fox Business ~ Feb 11, 2015

Yep, Obamacare Costs a Fortune
By Christopher Flavelle; Bloomberg View ~ Feb 11, 2015

Experts warn 2015 could be 'Year of the Healthcare Hack'
By Caroline Humer & Jim Finkle; Reuters ~ Feb 11, 2015

Republicans press to fix Social Security disability program
By Andrew Taylor; The Associated Press ~ Feb 11, 2015

Defined contribution plans doubled asset growth of pensions in 2014
By Rob Kozlowski; Investment News ~ Feb 11, 2015

Will the New Pension World Pass Its Test?
By Terrance Odean; The Wall Street Journal ~ Feb 11, 2015

More Pensions Want to Offload Risk to Insurers
By Timothy W. Martin; The Wall Street Journal ~ Feb 11, 2015

Retirement: 10 ways to live frugally
By Nanci Hellmich; USA TODAY ~ Feb 10, 2015

Four words could bring the law down
By “S.M.” ; The Economist ~ Feb 09, 2015

McConnell: Americans Are About To Get Whacked By Obamacare Taxes
By Rachel Stoltzfoos; The Daily Caller ~ Feb 10, 2015

IRS List: The Dirty Dozen Tax Scams for 2015
By Internal Revenue Service; NBC 10 ~ Feb 10, 2015

Beyond ‘Repeal And Replace,’ Ideas Emerge To Improve, Simplify Health Law
By Julie Rovner; Kaiser Health News ~ Feb 09, 2015

U.S. government says Obamacare subsidies averaging $268 a month
By David Morgan; Reuters ~ Feb 09, 2015

Tax Day Shocker: Obamacare ‘Clawback’ To Hit Some Subsidy Recipients With Huge Tax Bill
By Richard Pollock; The Daily Caller ~ Feb 09, 2015 bulks up staffing to meet deadline
By Sarah Ferris; The Hill ~ Feb 09, 2015

Pension plans, once inviolable promises to employees, are getting cut
By Michael A. Fletcher; The Washington Post ~ Feb 09, 2015

Republican senator: ObamaCare replacement may wait until 2017
By Peter Sullivan; The Hill ~ Feb 07, 2015

Insured, but Not Covered
By Elisabeth Rosenthal; The New York Times ~ Feb 07, 2015

Medicare preps for natural disasters, power outages
By Elise Viebeck; The Hill ~ Feb 07, 2015

No encryption standard raises health care privacy questions
By Ricardo Alonso-Zaldivar; The Associated Press ~ Feb 07, 2015

Even as US job market picks up, unemployed face frustration
By Christopher S. Rugaber; The Associated Press ~ Feb 07, 2015

Senators put focus on healthcare data after hack
By Sarah Ferris; The Hill ~ Feb 06, 2015

11 Common Medicare Mistakes
By Kimberly Lankford; Kiplinger ~ Feb 06, 2015

Hackers Who Stole Anthem’s Database Got Names, Birthdates, Social Security Numbers
From KHN Morning Briefing; Kaiser Health News ~ Feb 06, 2015

Should You Save More For Retirement Or Pay Off Your Mortgage Early?
By Erik Carter; Forbes ~ Feb 06, 2015

Republicans unveil new ObamaCare replacement plan
By Nick Kalman; Fox News ~ Feb 05, 2015

House Dem wants wider eligibility for ObamaCare tax credit
By Elise Viebeck; The Hill ~ Feb 05, 2015

Medicare Should Split From Health Department, Senator Hatch Says
By Alexander Wayne; Bloomberg Business ~ Feb 05, 2015

Medicare to pay for lung cancer screenings
By Elise Viebeck; The Hill ~ Feb 05, 2015

President Obama’s 2016 budget targets retirement accounts
By Jeffrey Levine; MarketWatch ~ Feb 05, 2015

Verizon retirees appeal pension transfer
By Nick Thornton; BenefitsPro ~ Feb 04, 2015

U.S. health agency says 2015 Obamacare demand ramping up
By Caroline Humer; Reuters ~ Feb 04, 2015

Anxiety over Supreme Court's latest dive into health care
By Ricardo Alonso-Zaldivar; The Associated Press ~ Feb 04, 2015

The Big Lie: 5.6% Unemployment
By Jim Clifton; Gallup ~ Feb 04, 2015

House Votes To Repeal Obamacare Yet Again—But This Time It's Different
By Sahil Kapur; Talking Points Memo ~ Feb 03, 2015

Government Blinks Again on Obamacare
By Megan McArdle; Bloomberg View ~ Feb 02, 2015

Specialist Doctors Head for Exit as U.S. Shifts Payments
By Alexander Wayne; Bloomberg ~ Feb 02, 2015

Budget Plan Sees Savings In Changes To Medicare
By Robert Pear; The New York Times ~ Feb 02, 2015

Drug Prices Prompt Obama to Call for Medicare Bargaining Power
By Alexander Wayne; Bloomberg ~ Feb 02, 2015

Why White House disability insurance fix makes sense
By Mark Miller; Reuters ~ Feb 02, 2015

Obama's 10 new taxes
By Kelsey Snell, Kim Dixon & Brian Faler; Politico ~ Feb 02, 2015

Obama Throws Down Gauntlet On Social Security In New Budget
By Dylan Scott; Talking Points Memo ~ Feb 02, 2015

Obama Would Block Strategies to Pump Up Roth IRAs
By Karen Damato; The Wall Street Journal ~ Feb 02, 2015

Obama's Corporate Tax Raid Would Sack the Elderly
By Peter Morici; Newsmax ~ Feb 02, 2015

The Problem With Obama's Plan to Limit Retirement Savings
By Allison Schrager; Bloomberg ~ Feb 02, 2015

Income Layering Helps Retirees Combat Inflation, Adviser Says
By Michelle Brennan Hall; The Wall Street Journal ~ Feb 01, 2015

New rule for plan funding notices
By Marlene Y. Satter; BenefitsPro ~ Feb 02, 2015

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.

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