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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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click here to read the NRLN's current Action Alert and send the sample letter to your elected representatives.

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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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PRESIDENT'S
 FORUM

Protecting Retirees in Pension Plan Mergers

The NRLN took another important step on December 16 in its efforts to protect retirees in defined benefit pension plan mergers through a meeting with officials of the Department of Treasury and the Pension Benefits Guaranty Corporation (PBGC).

Jay Kuhnie, President, National Chrysler Retirement Organization, and Chris Dyrda, NCRO Director, joined me, Marta Bascom, NRLN Executive Director and Michael Calabrese, NRLN Legislative Adviser, in the Washington, DC meetings. We met with PBGC officials on this issue in July 2015 and renewed our concerns this past week with newly-appointed PBGC Director Tom Reeder and his staff as well. We also advocated for legislation to protect retirees in pension plan mergers with members of Congress and their staff during the NRLN Fly-In to Washington, DC in October 2015.

The NRLN considers pension plan mergers as a new form of corporate financial reengineering. The merging of pension plans is a strategy that can be used to benefit the plan sponsor by combining plans with very different levels of plan assets and liabilities but all at the risk of plan participants. Depending on the circumstances, merging pension plans can be beneficial to plan sponsors and harmless to participants, such as when companies merge two or more well-funded plans to reduce administrative and other costs. However, defined benefit pension plan mergers can also be very damaging to the vested rights of plan participants when one or more well-funded plans are merged with one or more weaker plans.

For example, the NCRO leaders explained to the Treasury and PBGC officials that Fiat Chrysler combined U.S. management pension plans and the successor combined plan was underfunded whereas participants in the better funded plan lost 6% of its funding level because of the merger.

Another example is when CenturyLink, a communications company, merged three dissimilar pension plans (CenturyLink Legacy, Embarq and Qwest plans). This merger combined 81,000 Qwest plan participants from a very well-funded plan at 91% with two plans funded in the 73-74% range. Qwest plan members lost hundreds of millions of dollars in asset protection.

Nokia is currently in the process of acquiring Alcatel-Lucent. Participants in the Alcatel-Lucent pension plan are rightly concerned about what might happen to their pension plan security should Nokia USA and Alcatel-Lucent USA plans and possibly plans from other Nokia corporate future acquisitions be merged.

The Treasury and PBGC officials now understand the potential negative consequences for retirees of granting plan administrators’ unilateral authority to merge plans but believe Congress would need to pass legislation to place protections in the Employee Retirement Income Security Act (ERISA). Our proposals included:

Pre-Approval Process: Plan sponsors should be required to submit the proposed merger (combination) of two or more qualified plans to the PBGC, DOL and IRS for review and approval. Avoidance of funding of underfunded plans, as well as any substantial reduction in the funding level of a merged plan, shall be a reason for denial.

Distress Termination: For a period of at least five years after a qualified plan merger, the PBGC should be required to oppose any proposed distress termination of the merged plan unless the plan sponsor can establish, to the satisfaction of the agency or a court in bankruptcy, that a distress termination would have been justified at the pre-merger funding level.

Hold Harmless Provision: For a period of at least five years following a qualified plan merger, the PBGC should ensure that, in applying its Priority Category allocation of benefits, retirees and other plan participants do not lose any vested benefit that would have been funded based upon the pre-merger asset and funding level of their plan, or the current termination funding level of their plan, whichever is higher. PBGC insurance should guarantee the priority claims of participants who would lose vested benefits due to the merger’s reduction of plan funding levels, if necessary.

The NRLN understands that it will take a tremendous effort to get Congress to pass legislation that includes our proposals. This is because Congress has repeatedly passed legislation that included pension plan funding “holidays” to achieve tax revenue objectives. (Corporate profits contributed to pension plans are tax deductible, which lowers corporate taxable income that in turn lowers Federal tax revenues.) This has given many companies an additional reason to forego contributions to pension plans and only achieve minimum funding requirements required by ERISA. These actions slowly but surely have weakened many defined benefit pension plans.

Again during the NRLN’s Annual Leadership Conference in Washington, DC, February 8 – 10, 2016 we will lobby Representatives, Senators and their staff members for the introduction and passage of a bill to protect retirees in pension plan mergers. Watch for an NRLN Action Alert early next year asking you to help us with this effort.

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.


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.


focusmast

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


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

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!

Marilyn Iverson, Woodinville, WA, US West/Qwest/CenturyLink retiree...Thank you to all of you wonderful leaders at NRLN who are keeping up with retiree issues, addressing lawmakers and others, and explaining all the nuances to the retiree body. You are appreciated so very much.

Attracta Hutchinson, Rosman, NC...When a person stands out from the crowd to speak on behalf of others, that is a fulfillment of our purpose in life, compassion for our fellow man. Thank you for doing that for all of the membership. Many have worked well and hard over the years helping to build the companies they have retired from as well as supporting their families. This is how America was built. Now sometimes, hand in hand the government and corporate forces forget that they stand on our shoulders and act against our interests. I am grateful for the courage and tenacity you exhibit and the excellent job you do for our welfare. I wish you continued success.

more members comments here.

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