Retire Healthcare
Just got this in an e-mail. It will be mailed to retirees next week and should answer a lot of questions:
Final Pull Out on Scribd
Click to read full sized. Again, this was e-mailed to us from a retiree. We have no answers available other than what was provided to the original recipient.
Labels: pension
posted by SCC at 12:07 AM
158 Comments:
It's almost time to vote Dean out elections in March does Pat Hill and black cops want him out?
When anyone out there gets this please explain it for us who are about to retire on 1st of new year?
Union and Pension board are useless in any questions. None of new retirees are getting this letter.
Is city pulling out of paying for insurance?
Is this in conflict with fop7 notice of phone solicitation for medical insurance?
Since that is only thing on fop7 Web site.
How could the FOP let this happen? Someone told me that Angelo has a past history of giving up healthcare issues in the contract. This is going to be a big chunk of my pension. FOP sucks!
***Hey Rahm...Fuck You!!!
The democrats beef with the police, takes us back to 68' Chicago democratic convention...Every point in history pretty much goes back to that date. Look at now, the dems of 68' Clinton and Sanders were both at that protest, and today want to toss you under the bus-- with out health insurance I might add--- as our retired coppers about that.
It is one sad state of affairs.
This will be a special pullout section to be included in the next issue of the Fop 7 magazine. All members, active and retired that get the magazine will get this.
I'm confused. Are they pulling health care benefits for retirees that are medicare eligible or all people currently retired that retired after 1989? And if it's all people, does that include the people that retired under the 55 and out provision in our contract?
Keep working hard Tactical Warriors... the department has your back! Rahm said so, so you know it must be true. Just no health insurance for you!
Anonymous said...
When anyone out there gets this please explain it for us who are about to retire on 1st of new year?
Union and Pension board are useless in any questions. None of new retirees are getting this letter.
Is city pulling out of paying for insurance?
10/09/2016 01:00:00 AM
****************************************************************************************************************************
The answer is very simple, for anyone who did not retire before 1989, it is yes, unless we prevail at a Supreme Court case.
Anonymous said...
It's almost time to vote Dean out elections in March does Pat Hill and black cops want him out?
10/09/2016 12:35:00 AM
Who cares what Pat Hill thinks? And "black cops want him out"?
Now you're trying to divide the CPD?
GFY-twice.
Screw some of these comments the fop seems to be the only entity trying to do anything regarding the depicable actions by Rahm as he takes away our medical coverage. The city is broke ya but what about the billon and a half tif fund. As far as I am concerned thanks fop for trying to help us with this insurance process which is complicated and confusing. Where is the city where is the pension board where are the loud mouths that are badmouthing this attempt to offer insurance.
So if you retire now or after 1986 you're fucked ?
Am I the only one who got more confused after reading this????
It gets better when your on Medicare. Once you turn 65 you pay for supplemental insurance, you also pay more for prescriptions and let's not forget dental.Then there are the muslim refugees, illegal aliens and millions of welfare leaches who are getting better health care then a retiree and it's free.
Can someone clarify, I thought the city was to provide healthcare for those HIRED prior to Aug 1989? The info sheet from FOP states that city is ONLY providing healthcare for those RETIRED prior to 1989.
What hospitals are in Aetna network? My wife won't do this. Scared of Aetna, change.
If your about to retire this doesn't effectyou.....55 and out is still the contract
From what I've read, the FOP and Aetna are proposing two medicare ADVANTAGE plans, one for 292/mon and the other for 218. Aren't those the HMO plans that are advertised for a LOW premium or zero (0)? This is what they have been working on for 3 YEARS! WTF!
Thanks to the F.O.P for their continued help and support for retirees during this monetary massacre led by Rahm against all city retirees.Did'nt see much from the Fire or other labor groups.Thanks again.
Well, about the only thing I'm glad about in this mess is that I stopped paying FOP dues as soon as I retired. Everything else with the career is one big regret.
When are the new cruisers arriving? Our union fought long & hard for them.
From what it says is members or surviving spouses who retired before 8/23/89 stays on the City plan. Anyone who retired after 8/23/89 needs to find coverage. If you retired with the 55 or 60 free healthcare recently or this January, you stay on the active city plan until you are Medicare elligible.
Seeing that all the plans are paid in full by the retirees, it is up to you to join. This is nothing more than a group alternative. You can go out and find your own or you can join the group. The city's letter said they have a bcbs option but I have not received that yet.
I am Medicare and think plan 1 is going to be my choice. I go the the dr a lot and like the $0 deductible and $0 copay. My medicine now under acaremark mail order cost me a fixed amount and their plan is pretty close.
Everyone is going to make up their own mind, but I am glad we have a group option.
Anonymous Anonymous said...
It's almost time to vote Dean out elections in March does Pat Hill and black cops want him out?
10/09/2016 12:35:00 AM
=========================
She's a racist POS!!
This is some of the "it" Rahm promised to stick
in our ear...
And yet California wants to give free health care to the illegal immigrants. Yet, a police officer who worked for 30 years in this shit hole of a city has to pay his/her own way once retired. This city/country is fucking lost. Holy shit. Not sure how much longer we should all stand by and take this crap.
I don't understand. Don't you have Cpd Union? As bad as the NYPD is, we have a Pba- not the fop.I can see it now, our commie mayor would love to stick it to us and shove healthcare costs down out throats- for active and retired cops.See Chicago does lead the way .
Screw you. Dr. Ezekiel Emanuel says that you've had a "complete life."
"Services that promote the continuation of the polity — those that ensure healthy future generations, ensure development of practical reasoning skills, and ensure full and active participation by citizens in public deliberations — are to be socially guaranteed as basic. Covering services provided to individuals who are irreversibly prevented from being or becoming participating citizens are not basic, and should not be guaranteed. An obvious example is not guaranteeing health services to patients with dementia."
http://betsymccaughey.com/obamas-health-rationer-in-chief/
RETIREE'S that are affected by this loss of coverage from the city need to keep in mind that this program sponsored by FOP Lodge 7 is a Medicare Advantage Plan.
Don’t sign on the bottom line until you’ve done your research on Medicare Advantage plans.
Medicare Advantage plans love you when you are relatively healthy.
When that changes, you just might find that you’re no longer considered a valued insured.
These plans have severe limitations when you are sick and need care.
Also it has been stated that if you fail to enroll in one of the two proposed plans to have the payments deducted from your pension account you lose the $3000.00 deduction for health insurance. Isn't that a form of blackmail?
The City made a verbal contract with retirees. They said you would have health insurance for life. Can the City be sued to enforce the verbal agreement they made on TV, in print and during retirement seminars????
Anonymous said...
When anyone out there gets this please explain it for us who are about to retire on 1st of new year?
If your plans are to retire Jan 1 and you have not yet researched this to see how it impacts you maybe you aren't ready to retire. Put ALL your ducks in order before you pull the plug!
Yep everybody knows whats coming , Here's our choice , we either get rid of this Ballerina or we get screwed more then we are already. PERIOD
The 55/60 out insurance is still on the table this pertains medi-care age retirees, but you can bet the next contract will have NO 55/60 out with free insurance, likely to be same cost as active duty.
Bigger question that needs answering if the National FOP can endorse a political candidate and note that they are 300,000 strong then where is the National FOP on Health Insurance. What insurance do the National Officers have and how about they work on something as an active duty or retiree option, after all we pay their salary and insurance and job expenses, conventions etc.
Not far from another example of being out of touch with those you serve aka politicians. They have sent us deals on car insurance how about something more pertinent.
By the way this didn't start with Dean or RAhM it's been going on for quite a while.
And what pray tell will the City/Board of Ed' do for those poor teachers who can't afford to pay their share of their pension or have had health care costs held with no increase for an 8 year period of their contracts.
Read the Chgo' Trib' archives on teacher contracts, they have been getting 4% raises yearly for more than a decade.
I am a Medicare Eligible retiree. While I haven't received the information packets from Blue Croos/Blue Shield that the City arranged, nor the Aetna packet through the FOP, it appears from the preliminary information that all of the plans are Medicare Advantage plans and not Original Medicare. Hopefully, the packets will indicate whether these Advantage Plans are HMO, PPO or PFFS plans, which we will need to determine whether our doctors and hospitals are included, and whether you have coverage nation-wide (Which is important if you travel or are a Snowbird).
My research indicates that I could get a Blue Cross/Blue Shield Medigap policy as a supplement to my Original Medicare plan on the private market (BC/BS seems to be the most expensive, but not by much) for $155.00 and a BC/BS administered Medicare Prescription Plan D Value plan that covers all my medications, for $65.50, for a total premium of $220.50 per month.
I have been told that, if your supplemental insurance coverage is terminated, as is happening to us, insurance companies must sell you Medigap Plan F (the best plan available) without asking about your medical history. This gives you the flexibility to go to any doctor or hospital in the country that accepts Medicare, unlike Medicare Advantage.
It seems that a negative to buying a Medigap policy through the private market is that you would lose the $3000.00 Public Safety Officer income tax deduction. Am I missing something? As an earlier post said, information about this very important decision is not that easy to come by
I think we all would appreciate posts from any party that has specific information, or knows the pros and cons of Medicare Advantage Plans.
Our Union has died on us at the most crucial time in our history. Dean is useless and never goes to bat for us. He needs to go. He has been silent forever in all our tribulations. He is out for himself and the rest of his sycophants.
Rumour as of Jan 1, 2017, retirees can work VRI supplemental in their last district of residency to pay healthcare premiums.
So if you retired Before 1989 - all benefits remain the same as an Active member.
If retired After 1989 to Now - benefits ending & restructured Jan 2017?
Or is it changing for those Retiring in after Jan 2017?
-Confusing is the 55/60 and Out clause.
Knowing 55/60 & Out was a Contract Agreement benefit, does coverage continue unchanged for those that Retire 55/60 before Jan 2017...(55/60 wasn't available in 1989) . Also what about the 2% of your pension healthcare cost for those retiring after Jul 2017?
Always know Rahm Emanuel will change the rules mid-game. Your health benefit budget dollars were squandered on community enhancements, parades and programs.
Fucking Democrats. Another reason to Stay Fetal.
From what I'm seeing the union lied when it said it made plans with insurance companies to offer insurance to retired members in 2017 when in fact it only made plans to offer insurance to Medicare ready retirees. The rest that are not on Medicare are left out which is not what they were saying all year.
Ret.177
There is still a case pending, however, I'm no lawyer and have no idea what a Judge will decide. I heard one Judge said the retirees who's date of appointment was prior to 1989 were still eligible for the medical. Then I heard another ruling said they weren't. I'll confess, I'm totally confused. However, why isn't the city being used for beech of contract?
This is confusing as heck..... just the way Rahm likes it.
If you are leaving (or have left) under the 55 and out OR 60+ retirement, there is NO CHANGE. Read the part on the second page that says VERY IMPORTANT NOTE.
If you retired under the union contract, then you have medical coverage until age 65, and then you lose it, and that is the reason you did not get a letter. When you reach age 65 and go on Medicare you will have to look for a supplement. If your wife is not 65, she will have to look for her own medical insurance. The city is pulling out effective 31 Dec. 2016, and will not pay for medical insurance for those not covered by the union contract. Someone is not paying attention to what is going on. Both Pension and Unions have been posting information for the last 6 months or more, please read. However, you are among many.
True to his word, Mayor Emmanuel has pulled out of paying insurance. And the CPS teachers have the gall to bitch about paying 7% more on their pension contributions. HOw many decades has the polic and fire paid 9% its time for the teachers to shut up and pay their fair share. And for any CPS teachers out there you too will have your healthcare eliminated just like the police.
I also want to give a warm and hearty FUCK YOU VERY MUCH for all the Emmanuel supporters for voting this ass hole into office.
I cannot believe the FOP Lodge 7 President doesn't have the balls to shop around with healthcare providers and get the rank and file decent healthcare. President Disability Dean needs to get the fuck out of dodge if he doesn't get healthcare for retirees. Dean better not forget that retirees got him into office and retirees will get him out
If you are leaving the 1st of the year and signed up with 55 and out or are over 60 nothing has changed for you.
For the new retiree's
1. If you are medicare eligible (65 yrs. of age & you paid in the amount of quarters needed to qualify via your social security
payments) your payments for medicare will be deducted from your social security check. You will have to pay for your supplemental health insurance on your own. It used to be deducted from your pension and the city also paid an amount for your supplemental insurance. The city just booted us out and after 1 Jan. 2017 you are on your own. You need to purchase a supplemental policy that will take up the slack that medicare does not pay for your hospital & doctors bills and perscriptions.
2. If your dependent (wife) is not 65 yrs. of age and medicare eligible you now will have to pay for her primary insurance also because the city no longer subsidizes health care for retiree's. If your wife is on medicare (65 yrs of age) you will have to purchase a supplemental health care policy for her as well. The city no longer pays for retiree health care.
3. If you are retiring on the 55 and out the city was supposed to pay for your & your dependents health care until you are
65 yrs. of age and you go on medicare. At that time you have to get your own supplemental health care plan and pay for it out of your own pocket. No longer subsidized by the city. My brother (A Fire Fighter) retired at 60 yrs. of age and 32 yrs. of service. The city was supposed to pay for his health care until he reached medicare age (65 yrs.) He is only 62 yrs. and was told that as of 1 Jan. 2017 he is on his own. He will have to purchase primary health care like Blue Cross / Blue Shield for the next three years until he hits the age for medicare. (Not certain if this applies to the police department but it appears that the fire fighters really got it stuck to them by the city)
4. In summary we all took a big hit in our pension check. Supplemental for myself & the wife was costing about $550.00/month, Not certain about the costs as of this date but I expect a significant increase, possibly up to $750.00/month for our health care supplementary & perscript. drug coverage.
.
this is such an f u! isn't their a federal law against this?
Sorry but I forgot to add that you will also be paying about $450.00 / moth each for medicare.
For you and the wife expect to be paying $1,600.00 / month or above for health care. If you have dependent children still in
the house I would advise that you will need another job just to keep above the poverty level.
Sorry for the bad news. For those of us that have left the city or are going to leave the city you will no longer be able to help vote out the politicians that did this to us. Thanks a heap to all of you that left.
We have this our own first responding coppers suffering but yet dv urban davis/vaneko (aka daley family) taking millions and losing it! Our own police epnsion fund freely gave these thieves over 60 million of our pension money which could of gone to retiree health care plans, and the money poof is gone:
http://chicago.suntimes.com/chicago/watchdogs-taxpayers-lose-8m-on-site-linked-to-2-daley-nephews/
What guy or crew kenny hauser gave away "our money?" have the feds started the investigation yet? If you allowed this you should be in prison! How can you give away our money? as a matter of fact kenny you were told how fire pension board stopped that theft from pension by eliminating the gold braid bill and you were "looking into that!" Are you still looking or still staring at the bottom of the empty shot glass? More theft are you and your members getting paid to allow this?
Anonymous Anonymous said...
What hospitals are in Aetna network? My wife won't do this. Scared of Aetna, change.
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No network on AETNA plans. If you Dr accepts traditional Medicare they will take the AETNA plan.
MAPD is a custom group plan with an Rx benefit that has NO donut hole. You can't but this benefit on the public market. I looked.
Anonymous Anonymous said...
From what I've read, the FOP and Aetna are proposing two medicare ADVANTAGE plans, one for 292/mon and the other for 218. Aren't those the HMO plans that are advertised for a LOW premium or zero (0)? This is what they have been working on for 3 YEARS! WTF!
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Not an HMO. You don't know what you are taking about. Did you attend one meeting? Did you ask one question? If you were there it was explained that there are no referrals and not an hmo. You think what the city is sponsoring is better? tell us what the solution is?
You are not forced to take the FOP plan but they have been approved to receive payment from pension check which qualifies you for the HELPS $3000. IRS says payment has to come from pension to qualify..
There is a United American Plan that some have talked about and the price is high, Rx has a donut hole and who the hell has ever heard of United American UA?
Also it has been stated that if you fail to enroll in one of the two proposed plans to have the payments deducted from your pension account you lose the $3000.00 deduction for health insurance. Isn't that a form of blackmail?
Yes, it is Thank you. It doesn't pass the smell test. FOP hears people are looking for ins. they come out with that no solicitation letter, pushing Aetna ADVANTAGE plans? Telling people you lose your $3000 deduction. People think it's $3000 and don't see the deduction part. If your in 20% tax rate it's actually 600, 10% it's only 300. I can't help but wonder what kind of "rate" Dean's paying in exchange for this account.
Maybe this will help I am 65 retired for two years from CPD. If you thought Medicare was going to be free thats incorrect. If you are eligible for social security they will deduct about 139.00 per month each for both you and your spouse from your respective sos sec payments, If you don't qualify for any soc sec payment you will be billed that amount. That is only the A & B parts, you will need supplements C & D to have comparable coverage to what you are used to. That is about 250.00 apiece for you and your spouse, that will be deducted from your pension check every month. So monthly out of pocket for a retired PO and spouse who was not the police is approx 800.00. You will also no longer have any Dental or Eyeglass coverage so bank a hundred a month or so to cover those and not feel the kick in the nuts when those expenses come calling. I've talked to two dentists who related there isn't any coverage that is not employer sponsored that is worth a shit, I would assume vision coverage is about in the same boat.Sorry to be the bearer of bad news but thats what you are all in store for.
Anonymous said...
If your about to retire this doesn't effectyou.....55 and out is still the contract
Yes until you turn 65 and go on medicare. Then your on your own for the supplement.
It's time to start passing the hat to get 1st class legal help to fight this. I would think that a class action with both active and retirees @ $500 each.
Why are we still on this job?
I ask myself all the time these days and wish I could leave!
Chicago Police Feels more like a prison sentence!
I think the 3000.00 credit would still apply as long as your paying for some health insurance. It's a IRS reg. Not the city. Just have to follow the rules on this.
supreme court!we must organize!THIS IS CRIMINAL!RAHM AND CO MUST B HELD ACCOUNTABLE!
"Any Participant who participated in any of the four Funds before the August 23, 1989 Amendment to the Pension Code ("Sub-Class 3")"...What happened to that Ruling by the Judge?
Off Topic....
Arch-Bishop Cupich is about to become one of 17 new Cardinals named by Pope Francis.
Maybe now he will have the guts to deal with that race pimp Pfleiger.
Question: Did Cupich ever reprimand Pfleiger for telling Dean Angelo to "Go to hell"? Did Pfleiger ever apologize?
"And yet California wants to give free health care to the illegal immigrants."
10/09/2016 09:18:00 AM
All over the U.S. -- there is some Baptist outfit raking in hundreds of millions in taxpayer money, crying that each "Unaccompanied Alien Child" costs them $1000 per day in total expenses, while our own people are sleeping on the street -- or will be soon.
FO0 ,PBPA.
Should that $3000 tax deduction be adjusted .
I retired on 2003 , health insurance was less than $6,000 a year .
Now for me and wife over $21,000 .
Anonymous said...
When anyone out there gets this please explain it for us who are about to retire on 1st of new year?
Union and Pension board are useless in any questions. None of new retirees are getting this letter.
Is city pulling out of paying for insurance?
10/09/2016 01:00:00 AM
****************************************************************************************************************************
The answer is very simple, for anyone who did not retire before 1989, it is yes, unless we prevail at a Supreme Court case.
10/09/2016 07:37:00 AM
NO.
If you retired, or retire now, under the '55-and-out, covered' contract (which you electronically signed when you submitted your retirement date), you are covered the same as the police who are currently working. That coverage continues til you go on Medicare.
Anonymous said...
I'm confused. Are they pulling health care benefits for retirees that are medicare eligible or all people currently retired that retired after 1989? And if it's all people, does that include the people that retired under the 55 and out provision in our contract?
10/09/2016 07:36:00 AM
55 and out people are still City-covered until you go on Medicare.
Remember Billy Dougherty said Obamacare was a good choice for retirees!!!
007 retired 2013. Myself, since 55 and out has been free healthcare, New information states we are good until Medicare. We have same as active Police. Me personally I turn 65 In 2019. Will have to prepare to pay premium for my beautiful wife till she turns 65 in Oct 2020.I will think and prepare for it. 55 and out was the best move I ever made.
Anonymous Anonymous said...
If your about to retire this doesn't effect you.....55 and out is still the contract
10/09/2016 08:27:00 AM
Only true until you hit 65 then you get hit with the medicare supplementary payments.
If the FOP plans are Medicare Advantage plans I would absolutely not take them. Just moved to another state and had to get all new doctors. Everyone I called asked what kind of Medicare Supplement plan I had as they would not take Advantage plans. I also saw this before my mother died and had an Advantage plan and it was a nightmare. I have read the FOP mailing closely and as they don't say it is an Advantage plan the tip off is that you need a referral to see a specialist. You do not with a PPO. Proceed cautiously my fellow retirees.
The $3000.00 tax deduction is a federal law. You can look it up on the IRS website. It has nothing to do with the city ordepartment.
The problem with any type of HMO, be it Advantage or any other, is that you cant just go to any doctor or any hospital, I have a friend on this plan and he has to pick a hospital and doctor, his wife is fighting Cancer right now and has to wait 3 weeks just to see a cancer doctor,. I'm already set with my doctors and I'm so ashamed of the Police Pension Board and FOP, PBPA, take the money and run unions. FUCK THEM ALL!
Good Luck -
I don't live in Chicago, but my son, wife, and grand-kids do, so I visit Second City Cop regularly -
If this new "negotiated" deal is as advertised, everyone should know that Barack Hussein Obama stole as much as $318 BILLION from Medicare Advantage to pay for his Middle Class killing Obamacare - he hasn't been staying fetal for 8 years - so everyone should vote for Hillary who promises Obama's 3rd term.
Stay safe!
Why is 55 a magic number? When I retired I had the most seniority of district retirees, but also the only one who paid for insurance. I would have had to do 31+years to get what others got with 20 years. I'm not knocking people who got the freebies, but it is patently unfair not to figure seniority into a retirement benefit.
Those of you who believe in the 55 and out free insurance its in the contract so was the deletion of all C.R. numbers after five years Why is the City releasing C.R. all the way back to 1967.My grandchildren are asking me why wasn't I punish for these false accusations. It on the computer so it must be true.Don't believe the City will honor anything in the contract.If the City violates anything in any contract past present or future they should have to pay punitive damages two million per member sounds reasonable as they are so free to settle any lawsuit against the police oh I forgot we can't sue the City it part of our employment but I can't find it in any contract.
Anonymous Anonymous said...
The City made a verbal contract with retirees. They said you would have health insurance for life. Can the City be sued to enforce the verbal agreement they made on TV, in print and during retirement seminars????
What r u talking about. You are totally uninformed. Starting in 1887 mayor or city retirees. He was sued and for the last 30 years and in 10 year increments there was an agreement reached. This time the city said no more agreements and that is why in 2017 no more subsidy from the city. This has been known for the last three years. The city has been reducing the subsidy each year for the last three years which ends in 2017. The city is still being sued
I am a retiree who is affected by this and am not happy and may get screwed by it but if you are going to comment abc out this know the history of the case.
Anything said on TV OR SAID AT A RETIREMENT SEMINAR have no bearing on the health insurance
You ar an idiot if you think a tv commentator or some person at a seminar dictate that the city has to pay our health insurance
So if they said the opposite, then we wouldn't be entitled to health insurance? Get informed
Careful .. Medicare Advantage all about putting obstacles in front of you from getting the medical care you need .. Narrow choices for doctors ,hospitals needing a doctor referral /permission to get proper care from other specialists Can't go outside network or you all pay.. back in the USSR medical care.. yet illegals get better care without paying a Dime
Anonymous Anonymous said...
Also it has been stated that if you fail to enroll in one of the two proposed plans to have the payments deducted from your pension account you lose the $3000.00 deduction for health insurance. Isn't that a form of blackmail?
Once again get informed. What was said is that the pension fund will only deduct from your pension check health insurance from the city and the FOP. insurance plans. The reason for this is that when you file your income tax only the pension fund is the only one that gives you the letter to substantiate the deduction That was the reason, no blackmail. No big conspiracy here
IRA requires that is you are a retired law enforcement officer the deduction has to come from the pension fund.
Mdove on and find something else to complain about
Also it has been stated that if you fail to enroll in one of the two proposed plans to have the payments deducted from your pension account you lose the $3000.00 deduction for health insurance. Isn't that a form of blackmail?
Yes, it is Thank you. It doesn't pass the smell test. FOP hears people are looking for ins. they come out with that no solicitation letter, pushing Aetna ADVANTAGE plans? Telling people you lose your $3000 deduction. People think it's $3000 and don't see the deduction part. If your in 20% tax rate it's actually 600, 10% it's only 300. I can't help but wonder what kind of "rate" Dean's paying in exchange for this account.
What are you talking about. Both you and the original commentator stated it was a $3,000 deduct. If people don't know that a $3,000 deduction doesn't mean that they are getting $3,000 back on your taxes that was there problem. If they are retired how have they been doing their taxes for all these years and not know what a deduction is. It's a deduction, not a tax CREDIT. ndobody is trying to fool anyone and how is Deans tax rate involved at all In fact if you had a clue you would know his tax rate is 0 because he is collecting IOD disability which is tax free so he can't be exchanging anything for this account
You say people see it as 3,000 and not as a deduction Maybe you do but in everything that has been said and written it states $3,000 DEDUCTION. What more can be said $3,000 DEDUCTION
Anonymous Anonymous said...
I think the 3000.00 credit would still apply as long as your paying for some health insurance. It's a IRS reg. Not the city. Just have to follow the rules on this.
It is NOT A CREDIT, but a deduction. A tax credit reduces you tax bill by the amxount of the credit. A deduction depends on the tax bracket you are in and you only get back part of the deduction, depending on your tax bracket
Anonymous Anonymous said...
It's time to start passing the hat to get 1st class legal help to fight this. I would think that a class action with both active and retirees @ $500 each.
10/09/2016 04:13:00 PM
Where have you been ? And what are you talking about. Case has been going on since 1987.
Retirees stop paying FOP dues! Why
Continue lavish cash cow life styles to sell outs!
Vote Dean out of office!
Ask him how much the Aetna broker is helping with
His re/election campaign. Time to call
FEDS in to look at all the
Books including the insurance broker making $50 a month per retiree
The retirees run the FOP so what's next?
Many of you see these general order, FED's reading your reports and every move you make on camera. The pension is under attack and health care is slipping away.
Yet many of you still refuse to participate in running the FOP. Many of you have fancy degrees in business,accounting and management yet you use all that brain power to work VRI.
Start attending meetings and see what the hell is going on see the seniors eating pizza in the back of the room. Watch as former FOP president linger about trying to hold onto clout. Watch how these crazy rule pass with nonsense votes and little information.
Anonymous Anonymous said...
From what I've read, the FOP and Aetna are proposing two medicare ADVANTAGE plans, one for 292/mon and the other for 218. Aren't those the HMO plans that are advertised for a LOW premium or zero (0)? This is what they have been working on for 3 YEARS! WTF!
----------
Not an HMO. You don't know what you are taking about. Did you attend one meeting? Did you ask one question? If you were there it was explained that there are no referrals and not an hmo. You think what the city is sponsoring is better? tell us what the solution is?
You are not forced to take the FOP plan but they have been approved to receive payment from pension check which qualifies you for the HELPS $3000. IRS says payment has to come from pension to qualify..
There is a United American Plan that some have talked about and the price is high, Rx has a donut hole and who the hell has ever heard of United American UA?
I'm just using the language in the pull out section from FOP, where it clearly states Medicare ADVANTAGE plan. If its something else, then FOP should have used different language.
There is a United Healthcare plan offering plan F for about 158. dollars and you can add drug coverage for 64/per month. This makes it comparable to our current city plan. Go to any doctor or hospital that accepts medicare, no referrals. I also read a post that indicated Mutual of Omaha had a good plan. Just trying to get some options for people.
I also want to give a warm and hearty FUCK YOU VERY MUCH for all the Emmanuel supporters for voting this ass hole into office.
I cannot believe the FOP Lodge 7 President doesn't have the balls to shop around with healthcare providers and get the rank and file decent healthcare. President Disability Dean needs to get the fuck out of dodge if he doesn't get healthcare for retirees. Dean better not forget that retirees got him into office and retirees will get him out
You should have received a letter the last day or so regarding the health insurance FOP negotiated for retirees
Rahm needs to cut corners and pinch penny's so he can pay for his mentors in the community program.
Rahm is all about catering/pandering to the community. He couldn't care less about his active or retired first responders.
Remember to plan for retirement now, no matter how long you have left. Put as much as you can in deferred comp and use it sparingly so that it lasts as long as possible. Get your mortgage paid and live within your means so you can breathe easier when retired, it will get here faster than you think. And should you manage do all that,know that healthcare will always be your biggest expense for life.
Anonymous Anonymous said...
There is still a case pending, however, I'm no lawyer and have no idea what a Judge will decide. I heard one Judge said the retirees who's date of appointment was prior to 1989 were still eligible for the medical. Then I heard another ruling said they weren't. I'll confess, I'm totally confused. However, why isn't the city being used for beech of contract?
The reason the city is not being sued for breach of contract is they didn't breach any contract
This lawsuit started in 1987 under mayor Washington who decided that the city was not in the business of insuring retirees
Since 1989 approx every 10 years the city agreed to a 10 Year settlement. common practice by politicians. Daly kicked the can down the road several times and now finally Rahm said no More settlement and fazed out the healthcare subsidy over the last 3 years
That's how this came to past
Anonymous Anonymous said...
Thanks to the F.O.P for their continued help and support for retirees during this monetary massacre led by Rahm against all city retirees.Did'nt see much from the Fire or other labor groups.Thanks again.
10/09/2016 08:36:00 AM
Our "brothers" on the CFD have done nothing. Their union has not contributed to the legal fund fighting this injustice. FOP did
All I know is....The politicians who are screwing us, are getting free health care for life with A Zero deductible. Not even a slim chance that they will ever lose that benefit...ever.
Twenty and out. Not a day MORE will benefit you any further. Leave the city now, RUN AWAY! The city is circling the drain anyways... You will still be young enough to get a full time job with benefits. If your wife works, and has health care, you're golden! If your living an alternative lifestyle, and your significant partner works, then you're golden too. The libtards wanted it that way.
Enjoy retirement...Some things don't always work out like we planned. Improvise and overcome. Now, we need to get the city to pay into our pension plan, or we will lose that...
Anonymous Anonymous said...
"Any Participant who participated in any of the four Funds before the August 23, 1989 Amendment to the Pension Code ("Sub-Class 3")"...What happened to that Ruling by the Judge?
10/09/2016 04:53:00 PM
========================================================
Judge Cohan [SP] was in AGREEMENT and would have ruled in favor of those who were retired or hired before the 1989 contract.
However, since all 4 classes were being rolled into 1 appeal and would be going in it's totality before another judge, he would not make a RULING.
The appellate judge did not go along with the 1st judges thinking and only gave relief to those RETIRED before 1989.
All remaining classes are now being submitted to the Il. Supreme Court to consider [ if willing to take the case] and if they will not hear the case before 2017, it is hoped they will at least issue an injunction that stays the current policy until they reach a decision on the case as a whole.
That's as small a nutshell as I can provide.
If the 55 and out with 20 years is available to you, TAKE IT NOW!!!!
To all deplorables on this job I speak to you. Remember, it is better to be judged by 12 then to be carried by 6. Never ever forget that! For those that do not understand please stay fetal and await a new executive chief.
Help!
I am 70 years old, divorced with no dependents and do NOT qualify for medicare or social security. My sole source of income is my CPD pension. I want maximum coverage for medication and health insurance to include treatment by doctors at top-rated hospitals like Northwestern Memorial, University of Chicago, Rush, etc. I retired from the CPD in the late 1990's.
Any suggestions?
Bottom line is the Aetna plan an advantage plan or not
This is what "If you like your doctor you can keep your doctor" looks like.
Stay fetal my friends.
BTW...At these retirement seminars there will be "Financial Advisers" that will try to get you into their financial plans.
This may include folding IRAs and CDs into your Deferred comp plan.
I8MPORTANT: Find out about their fee structure. It may be a annual percentage of what is in your deffered comp account. In my case it would haqve cost me it would have cost me over $3,000 a year for his "advise".
Advise to do what.
Anonymous said...
Those of you who believe in the 55 and out free insurance its in the contract so was the deletion of all C.R. numbers after five years Why is the City releasing C.R. all the way back to 1967.My grandchildren are asking me why wasn't I punish for these false accusations. It on the computer so it must be true.Don't believe the City will honor anything in the contract.If the City violates anything in any contract past present or future they should have to pay punitive damages two million per member sounds reasonable as they are so free to settle any lawsuit against the police oh I forgot we can't sue the City it part of our employment but I can't find it in any contract.
10/09/2016 07:49:00 PM
My CONTRACT regarding the 55 and out is in a folder in my desk. It's also in a safe deposit box in a bank. When you submitted your form on the cpd computer, you submitted an electronic signature on an agreement between you and the city of Chicago guaranteeing they would provide your coverage til you were medicare eligible.
I'm not worried about the FOP contract. I wasn't even in FOP when I retired. I'm party to a LEGAL contract. There's your difference.
LEGAL CONTRACT BETWEEN TWO PARTIES, not the FOP EMPLOYMENT contract.
Anonymous said...
Off Topic....
Arch-Bishop Cupich is about to become one of 17 new Cardinals named by Pope Francis.
Maybe now he will have the guts to deal with that race pimp Pfleiger.
Question: Did Cupich ever reprimand Pfleiger for telling Dean Angelo to "Go to hell"? Did Pfleiger ever apologize?
10/09/2016 04:57:00 PM
You're operating under an erroneous assumption that Cupich disagrees with what Pfather Pfaker is doing.
Cupich agrees 100% with the faker. Read up on Cupich's history before he got to Chicago. He and Pfaker are on the same page.
Anonymous said...
Rumour as of Jan 1, 2017, retirees can work VRI supplemental in their last district of residency to pay healthcare premiums.
10/09/2016 01:32:00 PM
You know, the topic is irritating enough without you playing your stupid games here.
Since the city doesn't have to abide by the contract does this mean we can sue workman's comp if we get hurt on the job? A nice settlement would pay for a few years of premiums.
Anonymous said...
If the FOP plans are Medicare Advantage plans I would absolutely not take them. Just moved to another state and had to get all new doctors. Everyone I called asked what kind of Medicare Supplement plan I had as they would not take Advantage plans. I also saw this before my mother died and had an Advantage plan and it was a nightmare. I have read the FOP mailing closely and as they don't say it is an Advantage plan the tip off is that you need a referral to see a specialist. You do not with a PPO. Proceed cautiously my fellow retirees.
10/09/2016 05:52:00 PM
$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$
You need some new glasses my friend, this is from page two of the FOP info that was posted:
" In the coming weeks everyone (FOP and non-FOP
Retirees) will be receiving more information about the two very strong Aetna Medicare Advantage with
Prescription Drug (MAPD) plans being offered. The mailer will have the Fraternal Order of Police Lodge
No. 7 Logo on the envelope."
It clearly says "two very strong Aetna Medicare Advantage"
Anonymous said...
007 retired 2013. Myself, since 55 and out has been free healthcare, New information states we are good until Medicare. We have same as active Police. Me personally I turn 65 In 2019. Will have to prepare to pay premium for my beautiful wife till she turns 65 in Oct 2020.I will think and prepare for it. 55 and out was the best move I ever made.
10/09/2016 05:36:00 PM
And when you turn 65, this will affect you too.
This is for the Medicare Supplement that the city is screwing retires on.
Mind you the city is screwing ALL retiree's . While the 55 and out may not be affected presently they will when they turn 65.
Anonymous said...
I think the 3000.00 credit would still apply as long as your paying for some health insurance. It's a IRS reg. Not the city. Just have to follow the rules on this.
10/09/2016 04:18:00 PM
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
The $3000 HELPS Federal Tax Credit only applies if those premiums are deducted directly out of your pension check.
I retired 5 years ago and can't believe the crappy healthcare plan the FOP got for retirees ~ we have a BC/BC BRONZE plan that is useless and the doesn't cover routine exams. I called the FOP about it and all they could say is that's the best of what they offer. I live out of state and dropped it and got a BC/BS GOLD plan and I pay half of what the retiree plan was and now I have better coverage that also covers routine exams!
SHOP AROUND!!
Retired Policemen's Lives Don't Matter. I have to work until I'm 63 now in order to have insurance as long as I can.
Aetna does not have good reviews for their medicare supplemental plans.
Sorry for the bad news. For those of us that have left the city or are going to leave the city you will no longer be able to help vote out the politicians that did this to us. Thanks a heap to all of you that left.
10/09/2016 03:08:00 PM
I have voted against the Democrats here all my life. If I can get out of state, I will. I have fought the fight. Sorry if that's a problem for you, you know, the whole taking care of my family thing.
That being said, remember who put us all here. The Democrats and their healthcare debacle. They took a car with a flat tire and set it on fire and drove it off a cliff. It's coming out of our pockets.
Anyone effected by this healthcare issue that votes for Hillary has to have their head examined. They really do.
Anonymous NON-MEDICARE/TOP COVERAGE said...
Help!
I am 70 years old, divorced with no dependents and do NOT qualify for medicare or social security. My sole source of income is my CPD pension. I want maximum coverage for medication and health insurance to include treatment by doctors at top-rated hospitals like Northwestern Memorial, University of Chicago, Rush, etc. I retired from the CPD in the late 1990's.
Any suggestions?
10/09/2016 11:29:00 PM
Cremation and a pauper's burial. Start digging and avoid grave opening fee. RIP.
I repeat!
This mess can truly be blamed on our past FOP representatives! They sold us down the river back in the late 80s by allowing language in our contracts that waived our protection under the Illinois Constitution for retiree healthcare. This opened a window of opportunity for city and the rest is history! Read the ruling yourself:
http://www.krislovlaw.com/assets/1/7/Decision_by_Judge_Cohen_July_20_2016.pdf
This was a test case for the Rahm camp. Now that they won this one, next will be all retiree healthcare including the 55 and out mark my words! There's nothing stopping them now! Thanks FOP!
Sad sad times... Risk your life fighting crime for this thankless city for 30 years and this is what get rewarded with...
Members need to demand that our unions make this issue their number one negotiating point during these contract negotiations! Also, the remaining "55" insurance coverage should no longer be tied only to age! It discriminates against seniority which has and should always be the top factor in all benefits! This coverage needs to be earned at 29 yrs and one day. Time in service should earn you this benefit, not AGE!
How do we accomplish this? We use best leverage we have, RESIDENCY! Departments throughout this country have been winning easily in court on this issue (example = Milwaukee). If the city does not want to do the RIGHT thing and take care of us and our families after we commit our lives to protect this city, then they deserve our tax dollars!
Just the threat of us pursuing residency will shake their world. Because if we accomplish this, other city departments will follow!
This can be accomplished, but WE need to force the issue so our representatives step up and do what's right!
Sad
Anonymous.......
I cannot believe the FOP Lodge 7 President doesn't have the balls to shop around with healthcare providers and get the rank and file decent healthcare. President Disability Dean needs to get the fuck out of dodge if he doesn't get healthcare for retirees. Dean better not forget that retirees got him into office and retirees will get him out
*****
Fop did shop around. The firemen did too. They can up with Aetna. Most insurers would not come up with a set price because the city refused to give up the actual costs of their self insured plan. An Fop trustee told us a breakfast that the city plan is about close to the Aetna plan but is $50 over priced. Fop is not getting a commission for sponsoring their plan. He wanted to know from the city who is getting greased at their end. If BC is a private plan now how many assholes at benefits office are going to be laid off?
Hey SCC do you know if these FOP Medicare plans are advantage plans or not. Thank you
Anonymous said...
Anonymous said...
Rumour as of Jan 1, 2017, retirees can work VRI supplemental in their last district of residency to pay healthcare premiums.
10/09/2016 01:32:00 PM
You know, the topic is irritating enough without you playing your stupid games here.
10/10/2016 01:18:00 AM
Just yesterday, mommy brought up the topic of hygiene when someone forgot to wash their hands after taking a pee pee.
10/10/2016 05:18:00 AM
Topics like these always seem to irritate some mothers more than others.
I wonder how many retired coppers are seriously thinking about working VRI in their district of residence??? Great post...LOL!
Maybe we can get them to work hot spots on weekends too...Or work the desk, and take reports. Health care could be an incentive to bring back the experience we are losing on a daily basis.
Anyways...There is always the "Walmart" greeter option..."Welcome to Walmart today..." I hear they get full benefits with a low deductible. White castle has benefits as well...
Just sayn'...
Anonymous said...
How could the FOP let this happen? Someone told me that Angelo has a past history of giving up healthcare issues in the contract. This is going to be a big chunk of my pension. FOP sucks!
10/09/2016 04:58:00 AM
The retirees lost part of their lawsuit at the appeals court. It is on the way to the Illinois Supreme court but they would NOT have health care as of the 1st of the year without picking a plan. The city's new plan is over priced. If you think the Fop plan sucks go pay 50-80 more a month for your Medicare plan supplement.
PS Angelo has been in office only two 2-1/2 years and has never given up any health care benefits. Past president Bill Dougherty wanted all retires to go into Obamacare when the city said it was getting out of insuring retirees.
You should pay attention more unless your post is political in nature. If it is your a little dick then.
Anonymous NON-MEDICARE/TOP COVERAGE said...
Help!
I am 70 years old, divorced with no dependents and do NOT qualify for medicare or social security. My sole source of income is my CPD pension. I want maximum coverage for medication and health insurance to include treatment by doctors at top-rated hospitals like Northwestern Memorial, University of Chicago, Rush, etc. I retired from the CPD in the late 1990's.
Any suggestions?
Did your wife work while you were married and were you married for 10 years. If you were married at least 10 years and your ex wife has Medicare or the quarters for Medicare you are entitled to Medicare under her work record and as. Doesn't matter if you are divorced or if she is under 65
Just curious, what insurance have you been using for the last 5 years since you turned 65? The
Yee Hah. I can count the days until I 55 and out the fuck outta here. How sweet it be.
Boy I came on with Bankers and left with shit. I feel for you poor fuckers that still have to do this shit job for years, "well sorta".
The current contract addresses the 55 and out .. it also states it will not be in effect for the next contract.
I found that strange. Since when does one contract address what will be in the next contract?
From what it says is members or surviving spouses who retired before 8/23/89 stays on the City plan. Anyone who retired after 8/23/89 needs to find coverage.
No. The court ruling was, " July 2016: On July 21, 2016, Circuit Court Judge Cohen issued his ruling upholding the Constitutional claim for protection of benefits for those hired prior to 8/23/1989."
If you are eligible for the 55 and out ( that is, you are between the ages of 55 - 59 and have at least 20 years on ) this ruling DOES NOT affect you.
Same for those who retire between 60-63. Your insurance is still good.
cfd here...im done going into fires and being exposed to other things on this job,the city could care less about our health! Stay safe cpd!
Alternative Medical Coverage Consideration:
For those loosing coverage (and after the election more than you realize), there is an alternative to Obamacare and/or Private Exchange Insurance. The penalties in 2017 will be higher yet and the large employer coverage may be "adjusted".
Take a look at a faith based heath cost sharing plan. Obamacare penalty exempt and is basically catastrophic care, but rate much less than any plan out there providing "acceptable coverage".
Mind you the city is screwing ALL retiree's . While the 55 and out may not be affected presently they will when they turn 65.
But we have time to plan. Better to see it coming so you can prepare for it rather than live in ignorance, expecting the city to take care of us because "they said they would".
I am 70 years old, divorced with no dependents and do NOT qualify for medicare or social security.
================
You probably actually are eligible for medicare but would have to pay a premium, you just are not eligible for the free Part A. However, Medicare is usually the least expensive way to go even paying a premium because the government subsidizes it even for people not eligible for free Part A.
Call the medicare people and ask them how this works. There are limited times when you can sign up.
You're operating under an erroneous assumption that Cupich disagrees with what Pfather Pfaker is doing.
Cupich agrees 100% with the faker. Read up on Cupich's history before he got to Chicago. He and Pfaker are on the same page.
10/10/2016 01:10:00 AM
I think that you are correct. The Tribune just ran an article on St. Sabinas and how successful it is. Fr. Faker is not going anywhere, unless he wants to. Remember when he adopted three children and the church just stood by? That should have told you something. He is a diocese priest and does not take a vow of poverty and he garnered millions in donations. I sure would like to see his tax returns and ban account. And, the Chicago church is in the middle of its largest fund raiser every, asking, in my parish, 12 grand from every family over the next five years. I wonder what the church is asking the families in St. Sabina and how much money goes to Sabinas from the arch diocese??
Anonymous NON-MEDICARE/TOP COVERAGE said...
Help!
I am 70 years old, divorced with no dependents and do NOT qualify for medicare or social security. My sole source of income is my CPD pension. I want maximum coverage for medication and health insurance to include treatment by doctors at top-rated hospitals like Northwestern Memorial, University of Chicago, Rush, etc. I retired from the CPD in the late 1990's.
Any suggestions?
10/09/2016 11:29:00 PM
My suggestion: you need to win the lottery so start playing.
Rahm couldn't care less about you and is out to screw you and stick it in your ear every chance he gets.
Ok......here goes a try at deciphering some of this- at this time the only retirees granted Full HealthCare coverage per the courts are the ones who RETIRED prior to 8/23/1989.....
1. If you have retired or are about to retire with the 55 & out provision, your insurance is FREE until you (the retiree) reaches 65.....
At that time, if you are NOT eligible for Medicare, you must find your own full insurance plan and a supplemental and pay for it your self...
If your spouse is not yet 65, you must purchase health insurance for your spouse, at your expense.
2. If you are Medicare eligible at that time, you must find and pay for your supplemental insurance on your own...
3. If you are Medicare eligible at that time, but your spouse is not yet 65, you must get your own supplemental AND also pay for full coverage of your spouse....and possibly a supplemental for spouse also..
4. The ONLY court case left at this time fighting the city is for persons who were HIRED before 8/23/1989.....,.since the city did NOT collect Medicare money from the employees checks......and a lot are just not eligible for Medicare.....at the present time, the city is fighting tooth and nail to keep this off the court docket so that the time limit of 12/31/2016 comes and goes and all those retirees are thrown off the city health plan.....check Krislov Law for details......
5. As far as coverage goes, you need to check out the current offered plans carefully......call your hospitals and your doctors to see which plans they are in......costs vary, deductibles vary, medicine coverage varies, as well as whether referrals and co-pays exist......each of you needs to decide what plan is right for you......ask a friend or your adult children for help if you find this confusing......all are expensive, even the Obamacare options under the state plan.....
But you must make a choice and SOON......do so wisely.......unless that court case is heard for some of you retirees, COVERAGE BY THE CITY TOTALLY ENDS TO THOSE DESCRIBED ABOVE ON 12/31/2016......
I've talked to two dentists who related there isn't any coverage that is not employer sponsored that is worth a shit, I would assume vision coverage is about in the same boat.Sorry to be the bearer of bad news but thats what you are all in store for.
Elections have consequences
Does anyone know if the Aetna plan is a Supplement Plan F or an Advantage plan?
Page 2 of the FOP mailing under" Medicare Eligible Retirees" states that the FOP plans with Aetna are Medicare Advantage plans.
Because our mandatory retirement is 63, my 55 and out covers from 63 to 65, 2 years premium I don't have to pay. Another benefit. Staying another year or two would have been for nothing.
am 70 years old, divorced with no dependents and do NOT qualify for medicare or social security. My sole source of income is my CPD pension. I want maximum coverage for medication and health insurance to include treatment by doctors at top-rated hospitals like Northwestern Memorial, University of Chicago, Rush, etc. I retired from the CPD in the late 1990's.
Any suggestions?
The one poster was right. You can pay into part A for around $426 a month. But when you do this you also have to buy into part B don't know the price. That plus a supplemental is going to cost you quite a bit of premiums. Good luck check with Medicare and AARP who has done articles on this
Anonymous Anonymous said...
Anonymous NON-MEDICARE/TOP COVERAGE said...
Help!
I am 70 years old, divorced with no dependents and do NOT qualify for medicare or social security. My sole source of income is my CPD pension. I want maximum coverage for medication and health insurance to include treatment by doctors at top-rated hospitals like Northwestern Memorial, University of Chicago, Rush, etc. I retired from the CPD in the late 1990's.
Any suggestions?
10/09/2016 11:29:00 PM
Cremation and a pauper's burial. Start digging and avoid grave opening fee. RIP.
10/10/2016 08:36:00 AM
Congratulations to the witty replier.You win the Douchebag of the Month Award!!
hey ssc please let all cpd non-clouted iraq and afgand. vets if you served after 9/11 or did 20 years reserves after you turn 65 and go on medicare you qualify for trime care suPplement to medicare which is currently free, but you must sign up for part A n B.
I was at the last meeting at FOP hall and it is. It an F plan. It is a custom Medicare Advantage plan with a Rx that has no donut hole. Option 1 is the closest match to the current med sup plan that we have with the city. I like the no deductible and no copay. After my deductible and coinsurance under the city's current plan I will be paying about the same as last year. Could save about $1000 - yr going to plan 2 but I personally want the best and want to stay in a group plan that is not controlled by the city.
No COLA, no Social Security, no insurance.Great fucking career.
The reason you don't hear from FOP Dean is because Rahm told him to sign down and shut up. And like a good little boy Dean listened. Also this is part of the redistribution of wealth strategy by the liberals to take from you, what you have earned and give it away for votes.
Help!
I am 70 years old, divorced with no dependents and do NOT qualify for medicare or social security. My sole source of income is my CPD pension. I want maximum coverage for medication and health insurance to include treatment by doctors at top-rated hospitals like Northwestern Memorial, University of Chicago, Rush, etc. I retired from the CPD in the late 1990's.
Any suggestions?
_____
Find somebody younger willing to do a paper only marriage in exchange for life insurance proceeds, or some inheritance, then hop on their policy.
Many of us retirees have been following the Underwood vs City of Chicago retiree health insurance lawsuit via facebook or via emails received the lawyers representing us. We are paying these lawyers ourselves. Yes, whatever we can scrounge up from whats left in our pitiful pension checks. Here is some additional information that we heard over the past week.
The city claims that they have no "sponsorship" with this option, and that they are trying to help the retired city workers get health insurance without having to go thru the obamacare exchange.
Here are the costs for BCBS PPO beginning January 2, 2017. If you choose this plan it can be deducted from your pension check. (remember: this is the "retiree" plan and it covers a lot less than the plan you had as an "active employee", and it does not include vision nor dental)
Option A Option B
Single: $1,466 $1,296
Couple: $2,610 $2,305
Family: $3,622 $3,188
Don't have specifics as to the difference in coverage between Option A and B yet, but here is what you are looking at if you are in the NON-MEDICARE age and if you do not fall into the "retired at 55 or above w/free health insurance" group.
From what we are hearing, the costs for Aetna that FOP is providing us with as an option, will be pretty close to these.
Looks like I'm staying on another 17 years until I turn 63.
Anonymous said...
Help!
I am 70 years old, divorced with no dependents and do NOT qualify for medicare or social security. My sole source of income is my CPD pension. I want maximum coverage for medication and health insurance to include treatment by doctors at top-rated hospitals like Northwestern Memorial, University of Chicago, Rush, etc. I retired from the CPD in the late 1990's.
Any suggestions?
_____
Find somebody younger willing to do a paper only marriage in exchange for life insurance proceeds, or some inheritance, then hop on their policy.
10/10/2016 07:06:00 PM
^^^ Exactly!! ^^^
Anonymous Anonymous said...
Anonymous NON-MEDICARE/TOP COVERAGE said...
Help!
I am 70 years old, divorced with no dependents and do NOT qualify for medicare or social security. My sole source of income is my CPD pension. I want maximum coverage for medication and health insurance to include treatment by doctors at top-rated hospitals like Northwestern Memorial, University of Chicago, Rush, etc. I retired from the CPD in the late 1990's.
Any suggestions?
Did your wife work while you were married and were you married for 10 years. If you were married at least 10 years and your ex wife has Medicare or the quarters for Medicare you are entitled to Medicare under her work record and as. Doesn't matter if you are divorced or if she is under 65
Just curious, what insurance have you been using for the last 5 years since you turned 65? The
10/10/2016 09:43:00 AM
--
I was under the impression you do not need social security credits to qualify for medicare??? I just googled it and it says the same.
I hate to ask if you are sure. But ... are you sure?
Anonymous Anonymous said...
Sorry for the bad news. For those of us that have left the city or are going to leave the city you will no longer be able to help vote out the politicians that did this to us. Thanks a heap to all of you that left.
10/09/2016 03:08:00 PM
I have been holding my nose and voting for the less of the evil candidates for years. Than I switched to voting Republican and guess what, it didn't make a goddamn difference! Face it, your just out numbered. I did my part but how many crying assholes don't vote or even bother to register to vote? I'm done and gone! Thank you very much...
Anonymous Anonymous said...
We have this our own first responding coppers suffering but yet dv urban davis/vaneko (aka daley family) taking millions and losing it! Our own police epnsion fund freely gave these thieves over 60 million of our pension money which could of gone to retiree health care plans, and the money poof is gone:
http://chicago.suntimes.com/chicago/watchdogs-taxpayers-lose-8m-on-site-linked-to-2-daley-nephews/
What guy or crew kenny hauser gave away "our money?" have the feds started the investigation yet? If you allowed this you should be in prison! How can you give away our money? as a matter of fact kenny you were told how fire pension board stopped that theft from pension by eliminating the gold braid bill and you were "looking into that!" Are you still looking or still staring at the bottom of the empty shot glass? More theft are you and your members getting paid to allow this?
10/09/2016 03:17:00 PM
Maybe you should make an appointment with the Feds over on Roosevelt road or the US attorneys downtown and ask them? See if they would allow you to be the poster boy as the institutional theft victim. They know what's going on but no one is holding them accountable!
Retired, in the 90's @ 70 yoa means you retired before age 60 so essentially you have been paying for your health care thru the city, Lets figure this out, no social security, no medi care, hate to say this but what the fuck did you do with your spare time. I can tell you and anyone else gripping that "I" worked a side job for 20 years and missed a portion of my kids growth but now I have social security & medi care and "I" am able to help my kids thru college (2 graduated from big 10 Univ') with no student loans and the youngest on the way to graduation and grad school.
If you don't prepare for your future then don't expect someone else to help you out
If your pension was $3k a month your 3% COLA would gross you $90 a month or $1080 a year x 16 years = $17,280 more than you retired with @ $36k = $53k plus. No pity here.
Get a mindless job at your local big box store or grocer and earn some social security.
somebody please get this info about taking healthcare from first responders to the TRUMP CAMPAIGN!they would love to attack rah,hillary and obama on this!
Anonymous Anonymous said...
From what it says is members or surviving spouses who retired before 8/23/89 stays on the City plan. Anyone who retired after 8/23/89 needs to find coverage.
No. The court ruling was, " July 2016: On July 21, 2016, Circuit Court Judge Cohen issued his ruling upholding the Constitutional claim for protection of benefits for those hired prior to 8/23/1989."
If you are eligible for the 55 and out ( that is, you are between the ages of 55 - 59 and have at least 20 years on ) this ruling DOES NOT affect you.
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Sorry charlie. The Cohen "OPINION" was vacated when it went before an appeals court after all classes were folded into one court case.
It is now trying to be considered by the Il. Supreme Court.
Worst case scenario: They refuse to hear the appeal.
2nd worst case[not to bad actually] is they order an injunction keeping the status quo going into 2017 where/when a final decision is made.
Best case is the SPI rules in our favorbefore 2017.
Same for those who retire between 60-63. Your insurance is still good.
10/10/2016 10:18:00 AM
Anonymous Anonymous said...
somebody please get this info about taking healthcare from first responders to the TRUMP CAMPAIGN!they would love to attack rah,hillary and obama
Go for it. Good luck and let us know how YOU made out
. Seems like a good idea
I was under the impression you do not need social security credits to qualify for medicare??? I just googled it and it says the same.
I hate to ask if you are sure. But ... are you sure?
Can I make a suggestion? Instead of asking if he is sure, may I suggest YOU google it and find out. That way you will know for sure
Have anyone actually received the City letter/packet yet? I have not.
I am one of the retired officers that are losing their medical benefits. I have been in contact with an insurance from Senior Services of Illinois, Inc., Independent Authorized Exclusive General Agent for Blue Cross Blue Shield of Illinois specializing in Medicare supplement and Health Insurance plan options who will be able to help. Her direct toll free number is 855 742 2583
Question:
Why does the pension board withdraw healthcare monies for all the plans? If they can do it for Aetna, why not the others? This way everyone can get the tax deduction?
I was under the impression you do not need social security credits to qualify for medicare??? I just googled it and it says the same.
You don't need the credits to qualify, but if you don't have them you will be billed, its not free.If you have the credits they deduct it from your monthly payment.
Ndo packet here yet
You can get medicare if you did not have enough social security quarters paid in over the years.
You have to pay significantly more for it than those who paid in their quarters over the years.
Nothing is free for the working stiff. When you apply for your benefits you will be billed just like
you had independent health insurance. People with the earned credits have there medicare payments
deducted from their social security check. If your spouse has all of her credits paid you can apply for
the benefit using her account even if you are divorced.
You are much better off talking to someone at the local social security office than getting your information from google.
If you connect with the right person they can be very helpful.
PS Angelo has been in office only two 2-1/2 years and has never given up any health care benefits. Past president Bill Dougherty wanted all retires to go into Obamacare when the city said it was getting out of insuring retirees.
The election is over goof. That was never Dougherty's position. He testified at the city hearings against the city eliminating retire healthcare, not just for us but for all city employees. Dean on the other hand agreed and moved our premium to a percentage of our salaries back in the 1999-2003 contract. The membership voted it down, but we got it anyway. Dean then left for ten years and stole from our pension fund claiming disability. Dean was forced off disability just recently. Dean also gave away the free 55 and out benefit which will be 2% next year and higher in the next contract.
Dougherty on the other hand was the Chairman of the committee that got the free 55 and out from the city.
So yes, Dean has given up health insurance benefits twice now. Move along nothing to see hear!
What would a 3000 dollar deduction be worth to someone in real dollars off one's taxes 700 or so?
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