NRLN White Papers

NRLN White Papers


Click on the titles of the White Papers listed below to read and gain an understanding of why the NRLN advocates legislative action to strengthen retirement security.  The White Papers and/or their Executive Summaries are being use to communicate the NRLN’s proposals to U.S. Representatives and Senators and members of their staffs.  NRLN Grassroots Network members are encouraged to use these documents or information from them when writing to and talking with their elected representatives.

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Health Care

Retirees Testimonials 2013Click Title to Read Testimonials
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Madison, AL Kodak Retiree For seniors, one of our biggest out-of-pocket cost is health insurance. In my case the actual numbers are: Wife per month...Medicare $101.00 Blue Cross/Shield supplement $103.00 Month Total $204.00. Yearly total is $2,448.00. My health insurance expenses are the same--$2,448.00. So the total for the two of us is $4,896.00 annually. Copays will push this out-of-pocket expense over $5,000.00 dollars per year. During the past 3 years we fell into the donut hole with an additional $4,500.00 per year. All this impacts fixed incomes that don't go up. Seniors do not mind paying their fair share. However, how does one define fair share. The high cost of medical premiums are sinking the senior market place. The voting turnout of seniors in 2014 and 2016 will overwhelm politicians.
Retirees Testimonials 2012Click Title to Read Testimonials
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San Diego, CA General Motors Retiree I had built up a reliable 401(k) retirement fund, or so I thought. Then the company went bankrupt (General Motors) and all my GM stock went down the toilet. Then GM took my pension out of their pension trust, guaranteed by the federal Pension Guarantee Corp. and put it into an annuity, unprotected against any losses by that private company. So I live on half the income I expected to have and have little if any guaranty that much of the rest of my income will still be there in the future. Don’t let the government decree that our only retirement income must be from a 401(k). Also, we shouldn’t allow retirement trust funds to be passed off from the protection of the government for the convenience of the corporation whose pension plan we paid into all our working lives.