WEB EX MEETING TO EXPLAIN THE NEW MEDICARE PLANS

NYC Medicare Advantage Plus Plan WebEx Meeting

The City and the Municipal Labor Committee (MLC) recently announced an agreement to implement the NYC Medicare Advantage Plus Plan, a customized program for City retirees beginning 01/01/2022.

We are aware there are many questions and concerns. We have arranged a WebEx meeting hosted by a representative of the plan. The WebEx Meeting will be held Thursday, September 23 at 2:00 PM. It will last for approximately 1 hour and 15 minutes.
NYC Medicare Advantage Plus Plan – Retiree Education WebEx Meeting:
Meeting Information

Date: Thursday, Sep 23, 2021
Time: 2:00 pm
Duration: 1 hour 15 minutes

Meeting Credentials

Meeting number: 2448 311 7097
Password: eZkEEs36Z8z

Ways to Join:

Join with Meeting Link:
- https://anthem.webex.com/anthem/j.php?MTID=m9a0d8a3950f8d372cdc7cb5c0b3293b9
Join By Video System:
- Dial 24483117097@anthem.webex.com
- Or you can also dial 173.243.2.68 and enter the meeting number.
Join By Phone:
- +1-866-692-3580 US Toll Free
- +1-203-607-0564 US Toll
- Access code: 244 831 17097

THE THIRD INNOCULATION-

Latest COVID Information:

FDNY-Logo Missing FDNY - COVID Updates

Covid-19 vaccine (Moderna) available at FDNY for anyone not yet vaccinated or immunocompromised in need of third dose

FDA approved a 3rd Covid-19 vaccine dose booster for anyone moderately to severely immunocompromised. Criteria include:

Current or recent treatment for tumors or cancers of the blood
Organ transplant and taking anti-rejection (immune suppressing) drugs
Stem cell or bone marrow transplant within last 2 years or taking immune suppressing drugs
Moderate or severe immunodeficiency diseases including certain autoimmune diseases or HIV/AIDS
Active treatment with high-dose corticosteroids such as Prednisone or other immune suppressing drugs such as Methotrexate, Cellcept, Cytoxan, Humira, Remicaid, Embrel, among others

Medical documentation is not needed. If you are moderately or severely immunocompromised, you are eligible.

Appointments can be scheduled by calling 718-999-2683 Monday-Friday 9 am to 5 pm.

FDNY has set up several locations for anyone unvaccinated or for those immunocompromised who previously received the Moderna COVID-19 vaccination and need a 3rd dose.

For those persons who have been vaccinated and are NOT immunocompromised, please do not call for a 3rd dose appointment until eligible in late September.

You can find more information here about the COVID-19 vaccine from the Centers for Disease Control and Prevention (CDC).

Covid-19 vaccine (Moderna) available at FDNY for anyone not yet vaccinated or immunocompromised in need of third dose FDA approved a 3rd Covid-19 vaccine dose booster for anyone moderately to severely immunocompromised. Criteria include: o Current or recent treatment for tumors or cancers of the blood o Organ transplant and taking anti-rejection (immune suppressing) drugs o Stem cell or bone marrow transplant within last 2 years or taking immune suppressing drugs o Moderate or severe immunodeficiency diseases including certain autoimmune diseases or HIV/AIDS o Active treatment with high-dose corticosteroids such as Prednisone or other immune suppressing drugs such as Methotrexate, Cellcept, Cytoxan, Humira, Remicaid, Embrel, among others Medical documentation is not needed. If you are moderately or severely immunocompromised, you are eligible. Appointments can be scheduled by calling 718-999-2683 Mon-Fri 10 am to 4pm. FDNY has set up several locations for anyone unvaccinated or for those immunocompromised who previously received the Moderna COVID-19 vaccination and need a 3rd dose. For those persons who have been vaccinated and are NOT immunocompromised, please do not call for a 3rd dose appointment until eligible in late September. You can find more information here about the COVID-19 vaccine from the Centers for Disease Control and Prevention (CDC).

LATEST NEWS FROM THE UFOA CONCERNING MEDICARE

Update for UFOA Medicare Eligible Retired Members (Senior Care/Medicare Advantage Update)

There has been much discussion among retiree groups concerning the state of health benefits for New York City Medicare eligible retirees. The UFOA recently reported the status of this process and we would like to give our retirees an update. No final carrier has been selected as of this writing but we expect that this will happen in the very near future. This new plan will not be implemented before January 1, 2022. As we have previously reported, the City and the unions represented by the Municipal Labor Committee (MLC) have been investigating the possibility of establishing a Medicare Advantage Plan for Medicare eligible retirees and dependents for more than two years. Within the last year, it became clear that there are insurance carriers offering Medicare Advantage Plans (MA) for large groups that are competitive with traditional Medicare with supplemental coverage such as the City’s Senior Care Plan. Nearly a year ago, the City and MLC began a search and selection process to find an MA plan that would be equal to or better than Senior Care. Two separate actuarial/health benefit consultants have been directly involved in providing assessment and guidance during this process. Several decisions will need to made even after a carrier is selected. It would be a disservice to publish any details in the absence of the selection of a carrier and because Medicare has strict guidelines on all such communication. Please be assured that when the carrier has been selected and implementation has been finalized, there will be an extensive education program to explain all of the benefits and options available to our retirees and their dependents. We anticipate, however, that all members of Senior Care will be enrolled in the new plan but will be able to opt out. We expect Senior Care to remain an option however there will likely be an associated, yet to be determined, premium cost. Whichever carrier is selected, we anticipate that all doctors and other providers will accept the new plan with very few exceptions. All providers who currently accept Medicare must accept the plan's fee schedule which replicates Medicare. There are still some unanswered questions, for instance, we do not know how members in HIP VIP and other plans, will be handled at this time. There is also some detail to be worked out with "split contracts" where one member of a family is not in Medicare. Co-payments of $15 per doctor visit had been agreed to beginning 2/1/2021, but were delayed because of COVID. It has not been determined what, if any, new co-pays will be part of the MA plan. A neutral arbitrator has been overseeing this process and we are awaiting his report before a final decision is made. This process is ongoing. The UFOA will continue to provide updates when more information becomes available.

Cost Saving for the City-Not Us!

City to save 600 Million Annually but at what cost?

Nearly 250,000 retired New York City employees and their spouses could have their health insurance changed to “Medicare Advantage” plans managed by private insurers as soon as July 1, New York Focus has learned.

Retirees, who are pushing to delay the switch, say they are worried that a switch away from their current Medicare plan could lead to dramatically higher out-of-pocket costs and a smaller network of providers.

“It’s a little frightening,” said Jane Roeder, a retired city administrator. “The word on the street is that these Advantage plans are fine as long as you don’t get sick, as long as you don’t need the chemotherapy that my friend is having right now, or radiation treatment, or infusion treatment, or skilled nursing.”

The proposed switchover follows a June 2018 agreement between the Municipal Labor Committee, a group that represents retired New York City employees, and the city Office of Labor Relations.

Under that pact, both sides agreed to reduce health care costs for retirees by $600 million a year relative to 2018 forecasts, starting in 2021. Switching to Medicare Advantage, also known as Medicare Part C, was one of eight possibilities proposed at the time.

Under Medicare Advantage, the city projects it would save that sum by paying a fee to a private insurance company to manage a Medicare plan. Documents reviewed by New York Focus indicate a deal is being negotiated between the city and private insurance companies seeking to administer the coverage.

The city currently reimburses retirees the cost of their premiums for Medicare Part B, which covers outpatient care, and also pays for a supplemental “Medigap” plan to insure for services not covered by traditional Medicare.

Premiums for Medicare Advantage are often lower than in traditional Medicare, but involve trade-offs that could affect retirees’ health and finances: a smaller network, and higher out-of-pocket costs, said Naomi Zewde, a professor of public health at CUNY who is a Roosevelt Institute fellow.

“The city is going to save money by making seniors pay more for their health care,” Zewde said. “These are people who worked an entire career under the promise that they would have good health care later on.”

A spokesperson for Mayor Bill de Blasio told New York Focus after this story’s publication that the deal will be a win for both retirees and city government. “Our commitment to our retirees is unwavering, and any new plan will increase both quality and benefits for retirees,” she wrote in a statement. “It will also remain free for them while lowering costs for the City.”

FEWER PHYSICIANS

City retirees currently have access to the vast majority of physicians in New York. Medicare Advantage plans generally have fewer options: A 2017 national study from the Kaiser Foundation found that on average, Medicare Advantage plans offered access to just 40% of physicians in Queens.

Contract-related documents made public by the city Office of Labor relations suggest an increase of as much as $6,000 annually in potential out-of-pocket costs per retiree could be in store. Such costs are currently capped at $1,053 per year, according to Len Rodberg, a retired CUNY professor and health policy expert who would be affected by the potential change.

The documents show annual out of pocket costs could reach upwards of $7,000 for an individual — approaching the maximum allowed by Medicare under law.

“Basic city workers in the $30,000 to $50,000 [salary] range, their Social Security payments are smaller, their pension is smaller; they’re going to get hit badly by this,” Rodberg said.

Some budget watchdogs have highlighted retiree health care savings as necessary to bring $2.2 billion in annual city benefits spending under control.

“Health care savings are important. They’re essential to getting the city on solid fiscal footing, due to the rate at which these costs grow,” said Ana Champeny, director of city studies at the fiscally conservative Citizens Budget Commission. “It’s important to come to a consensus about how to control the costs, and how to possibly reduce the retiree health costs too.”

But retiree advocates say the deal in the works is too high a price for members to pay.

“Somehow you’re going to save $600 million, and the 200,000 Medicare retiree recipients are going to somehow get no worse and maybe even better service?” said Stuart Eber, president of the Council of Municipal Retiree Organizations.

‘People Don’t Know’

The city Office of Labor Relations received eight proposals for Medicare Advantage plans, now winnowed down to two finalists: Aetna and Empire BlueCross BlueShield, multiple retirees said they’ve been informed by their unions.

Cost-cutting employers have been gravitating toward Medicare Advantage, created in 1997 under then-President Bill Clinton. As of 2018, 39% of New York State’s Medicare beneficiaries were enrolled in Medicare Advantage plans.

“Employers have been gravitating towards Medicare Advantage plans to save money on their retiree health obligations,” said Tricia Neuman, executive director of the Kaiser Family Foundation’s Program on Medicare Policy. “New York is not alone.”

Neuman notes that Medicare Advantage plans rely on a list of in-network doctors. “They’re likely to be more limited in their provider network than traditional Medicare coupled with a Medigap policy,” Neuman said.

Some union officials have attempted to obtain information on their future access to services such as lab tests and rehab facilities, to little success.

“We haven’t gotten specific answers to those questions, and because we’re not privy to the negotiations, we don’t know that they’re not an issue,” said Neal Frumkin, a retiree leader with DC 37, the city’s largest public employee union.

‘Fewer Services’

Achieving the $600 million savings could involve requiring pre-approval from insurers for certain procedures. “That would mean fewer services that would be covered by the plan, potentially,” Neuman said.

More than half of Medicare Advantage participants are enrolled in plans that require prior authorization for ambulance rides, mental health services, inpatient hospital stays and other services, according to a Kaiser analysis.

CUNY retirees are mobilizing against the Medicare Advantage shift, at least until more details are known. At the end of the April 5 meeting, over 93% of attendees voted to request a moratorium, saying that retirees “have not been provided adequate and timely information” about the details of the proposed change.

None of the unions represented among the Municipal Labor Committee’s officers responded to requests for comment, nor did the city Office of Labor Relations. They include the United Federation of Teachers, the Uniformed Sanitationmen’s Association, DC 37, the City Employees Union and the Council of School Supervisors and Administrators.

Frumkin said that DC37 president and Municipal Labor Committee co-chair Henry Garrido voiced his support for the proposed change at the union’s March executive board meeting.

“Garrido’s position is that it’s a must do because that savings is necessary to stabilize the health benefits for the entire city of New York; the city has to be able to afford to do what they’re doing,” Frumkin said.

“The argument that Garrido makes is that the city fiscally is in a dangerous place, therefore we are trying to come up with savings to enable them to get over this financial problem that they have.”

Learn More

Impending move to privately managed health plans could save taxpayers as much as $600 million annually — at a high cost to retirees, who may have to pay more for less care and fewer doctor choices, some warn.

UP TO DATE INFO AS OF 6/21/21: https://theintercept.com/2021/06/07/medicare-new-york-public-sector-unions/

Find out more

LOOK WHO TURNED "100!"

Why, it's our own, Wilbur Hutchins!

RMA Executive Trustee Wilbur Hutchins turned "100" on Saturday April 3rd, 2021.

Wilbur informed us that he would like to receive some birthday cards in the US Mail. He said he would rather have the cards in hand that have e-mails sent to him. He said his computer is acting up anyway. You can send a Birthday wish to Wilbur and address it to:

Wilbur Hutchins

190-45 111th Road

St. Albans, NY 11412

Wilbur stated to us that he has received his second vaccine shot and feels good about getting the vaccine. However Wilbur has had to endure the effects of Cellulitis, recently, with some stays in the hospital because of it.

Wilbur is a devout member of the Retired Member's Association and has been at most, if not all of the meetings. In the picture he is celebrating his 98th Birthday at the April 2019 Meeting.

MEDICARE UPDATE

What you should know about the COVID-19 vaccines

As vaccines become more widely available, it's important to keep taking steps to slow the spread of COVID-19.

Limit gatherings with others.
Practice social distancing.
Wash your hands frequently.
Wear a mask in public.

Once the COVID-19 vaccine becomes available to you,

here's what you should know:

You will need 2 doses of the COVID-19 vaccine for it to be effective. When you receive your first dose, make sure to schedule your second dose.
Medicare covers the COVID-19 vaccine, so there will be no cost to you.
State governments are handling the distribution of COVID-19 vaccines. Look for updates from your state and local officials as more doses of the vaccine become available for additional priority groups.

Visit CDC.gov for additional trustworthy information on the COVID-19 vaccines.

Sincerely,

The Medicare Team

CLICK HERE TO FIND OUT WHERE YOUR NEAREST TESTING SITE IS LOCATED

click>FIND A VACCINATION SITE NEAR YOU<click

Find out more

You Can Now Wait Until 72 To Take Required Minimum Distributions. But Should You?

The Secure Act increased the required minimum distribution (RMD) age from 70 1/2 to 72, marking the first change to the RMD age since first becoming law in 1986. The age increase will only apply to anyone born on or after July 1, 1949. Now that some taxpayers will be able to defer distributions from retirement accounts until age 72, should they? It turns out, tax-deferred growth isn’t always a no-brainer.

First, as a practical matter, many retirees can’t actually afford to hold off on using their retirement savings until they’re 72. Even for those who can wait until they reach RMD age, it might not make sense to. The ‘right’ withdrawal strategy will depend on multiple factors, which change over time along with the laws, tax code, and the individual’s personal financial situation.

Here are some of the important considerations to discuss with your financial and tax advisor as you draft a retirement income strategy.

Taking advantage of low tax brackets

Especially for investors who have already retired, tax planning can really pay off. If you’ve already retired and don’t need income from retirement accounts before age 72, you could be living off funds from a taxable brokerage account and perhaps Social Security, too. Depending on your finances, this could land you in some of the lowest tax brackets.

In 2020, married couples filing jointly are in the 12% marginal tax bracket until $80,250 of taxable income before progressing into the 22% rate on the next dollar of income. For couples with less than $80,000 in taxable income, they may pay no tax at all on long-term capital gains!

In this type of situation, it could be advantageous for taxpayers to consider accelerating the realization of income to ensure they’re able to take full advantage of a favorable tax bracket. With some planning, you could calculate how much to take from tax-deferred accounts to stay under the next marginal tax bracket increase (or whatever metric makes sense for your tax and financial situation).

MEDICARE PART B REIMBURSEMENT INFO

(REIMBURSEMENTS COMMENCED MONDAY MARCH 23rd, 2021, EITHER THRU A CHECK IN THE US MAIL OR THRU A DIRECT DEPOSIT INTO YOUR ACCOUNT.)

TO WATCH A VIDEO ABOUT THE REIMBURSEMENT,

CLICK> https://www1.nyc.gov/site/olr/health/retiree/health-retiree-medb-irmaa.page

APRIL 2021 UPDATE:

Medicare Part B Reimbursements

Medicare Differential Payments were sent out by the NYC Office of Labor Relations (OLR) on or about Monday, March 22, 2021. These differential payments are only applicable to members on Medicare prior to 2016 who did not receive the full amount that they were entitled to.

The actual reimbursements for Medicare Part B will be sent to members in mid-April. If you have direct deposit for your pension check, it will be direct deposited. If you receive paper pension checks, you will be mailed a check.

Please refrain from contacting the NYC Office of Labor Relations until after you receive your Medicare Part B Reimbursements in mid-April.

Medicare Part B Reimbursements Incorrect Amounts

Retirees who believe they received the incorrect amount on their Reimbursement should submit the differential form along with the Social Security 1099s for the year(s) you feel you were shortchanged, using the Leapfile Website.

Form:
https://www1.nyc.gov/assets/olr/downloads/pdf/health/med-b-differential-form-2019.pdf

Leapfile Website (Select IRMAA/Differential, then upload the FORM and 1099s):

https://nycemployeebenefits.leapfile.net/

If you did NOT receive a Medicare Part B Reimbursement from the NYC Office of Labor Relations, it is probably because you have not yet submitted the Medicare Part B Reimbursement Application (along with a COPY of your Medicare Card). Alternatively, if you are not currently enrolled with the NYC Health Benefits / Medical Plan, you would not be eligible for the Part B Reimbursement.

If you have already uploaded the necessary Medicare Reimbursement Forms to OLR using the Leapfile Website, and/or if you have any follow up questions with the NYC Office of Labor Relations regarding your Medicare Part D Reimbursement, you can email healthbenefits@olr.nyc.gov.

~~~~

To all Retirees,

The following notice is to inform retirees on Medicare that your 2019 Standard Part B reimbursement from OLR (Office of Labor Relations) may not have been for the full amount you and/or spouse paid. This applies ONLY to those who were enrolled in Medicare PRIOR TO 2016. If you enrolled in Medicare in 2016 or later, the reimbursement amount

should have been accurate.

If affected, you will be required to fill out a Medicare Differential Form found in a link with this e mail. The reimbursement is scheduled for some time in the 1st quarter of 2021. Follow the instructions and return with the supporting paperwork stated in Section III of the form.

***SEE LINK FOR FORM BELOW ***

ALSO those recipients and/or spouse who are subject to IRMAA and were enrolled in Medicare prior to 2016 may not have received the full reimbursement for their standard Part B. IRMAA recipients do not need to file for the differential as long as they have submitted the IRMAA reimbursement form. When the IRMAA reimbursement is paid, (October 2020) the differential for the Standard Part B will be included. The form for IRMAA reimbursement is in the link below.

Note that if you had not filed for IRMAA reimbursement in the past but had paid IRMAA you can submit for 2018 and 2017 using the form below.

*** CONTINUE TO LINK BELOW ***

An explanation has been provided by OLR regarding this issue: As Part B premiums have increased, the amount of the increase has, at times, been more than what the social security COLA increase provided to some recipients. Had the full increase of the Part B premium been applied to all, a social security recipient could have had a net reduction in their monthly benefit.

Because of Medicare's "hold harmless” provision, the monthly increase to an individual's Part B premium could vary in order to avoid a reduction in that person's monthly Social Security benefit. This results in variable amounts being paid for Part B premiums that are specifically unique to each individual. The increase in Part B premiums could vary from $1 to $318 per person. Since, the City has no way of verifying what each person pays for their Medicare Part B premium, documentation of what an individual actually paid in Part B premiums is needed.

Medicare Part B reimbursements were issued for the calendar year 2019 for Medicare-eligible retirees and

Medicare-eligible dependents in April 2020.

Any retirees who were Medicare eligible on or after calendar year 2016 are eligible for $134.00 per month

(12 months= $1,608 per each eligible person).

They receive this amount automatically.

Any retirees who were Medicare eligible prior to the calendar year 2016 must complete the Medicare Part B differential Form (see below link) and provide SSA-1099 for the calendar year 2019. Those retirees who submit this form may receive an additional amount up to $300 under the Medicare Part B differential.

This payment will be issued in Spring 2021

>>>*CLICK HERE FOR THE UPDATED FORM FOR THIS YEAR'S ADDITIONAL PAYMENT OF $300.00 AND WHERE TO SEND IT*<<<

IT MUST BE SENT ELECTRONICALLY FOR

US MAIL IS NOT BEING ACCEPTED AT THIS TIME.

Due to the pandemic OLR’s offices were closed on March 17, 2020. Correspondence arriving after March 11 was not processed. Please review the following if you were impacted by this. You will have to resubmit forms and documentation electronically if you filed forms by U.S. Mail for the following:  2019 Medicare Part B Differential, or  2019 Medicare IRMAA reimbursement, or  Initial Enrollment for you or spouse in the Part B reimbursement plan Please visit the OLR website for instructions, step-by-step video and the needed forms to complete this task. OLR home page: healthbenefitshome (nyc.gov) Medicare Part B reimbursement information forms and links to submit via e mail. health-retiree-medb-irmaa (nyc.gov) Submitting instructions health-retiree-leapfile-instructions (nyc.gov) If you are submitting paperwork for future reimbursements such as 2020 Part B differential (Form will be available in April 2020) , IRMAA 2020, (Form not yet available) or initial Part B reimbursement enrollment, (Form is available on line) it is recommended to continue with the electronic filing unless instructed differently. Please monitor the OLR homepage for guidance.

******************************

VCF NEWS:

On July 29, 2019, the President signed into law The Never Forget the Heroes: James Zadroga, Ray Pfeifer, and Luis Alvarez Permanent Authorization of the September 11th Victim Compensation Fund. The VCF Permanent Authorization Act extends the VCF’s claim filing deadline from December 18, 2020, to October 1, 2090, and appropriates such funds as may be necessary to pay all approved claims. The VCF recognizes that claimants will have many questions about) the impact of the legislation on their claims. The VCF is committed to processing claims without interruption and issuing full payments to those who received a reduced award. Additional details about the VCF Permanent Authorization Act can be found here.

Please check this website frequently for updates.

-FOR MORE ABOUT THE VCF GO TO OUR HEALTH CARE PAGE-

About Us

Who We Are

Get Involved

We are Retired NYC Firefighters of all ranks. We meet five times per year at two locations; 901 Lakeville Road in New Hyde Park and 3051 Nostrand Ave in Brooklyn, NY. Through our Newsletter and this website we hope to keep you informed about your pensions.

Get Involved

Are you passionate about what we're doing? Let us know! We are always looking for volunteers to help us make our organization better for our members. We'll help you find a way to volunteer that best suits you. We're excited to have you join the team!

Thank You

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Whether you help through monetary donations, volunteering your time, or spreading our mission through word-of-mouth, thank you. We couldn't accomplish our goals without the help

of supporters like you.

JOIN US THE OLD FASHION WAY :

HERE'S HOW TO JOIN:

RETIRED MEMBER'S ASSOCIATION, INC
Fire Department City of New York
ORGANIZED JANUARY 1ST, 1946

APPLICATION FOR MEMBERSHIP
We offer three types of Membership.

Life Membership- one time payment of $150.00 gives you a gold RMA Membership Card and our periodic newsletters. This is for new members.

Life Membership-for existing members with a minimum total of
10 consecutive paid dues years. One time payment of $75.00 gives you a Gold RMA Membership Card and our periodic newsletters.

Annual Membership-Annual dues of $15.00 gives you 1 year of membership with associated Card, and one year of issued Newsletters.
Once you have decided on
the type of Membership you desire, download the PDF Application above, fill out and send with your check
made payable to the RMA
and send via US Mail to:
The RMA
PO Box 1332 Baldwin, NY 11510
Attn: Jim Hayhurst
(Membership Chairman)

Retired Member's Association,
Fire Dept.City of NY

Retired Member's Association,
Fire Dept.City of NY

Welcome to The Retired Member's Assoc.-Our next meeting: 9/30/21

WEB EX MEETING TO EXPLAIN THE NEW MEDICARE PLANS

THE THIRD INNOCULATION-

Latest COVID Information:

Bill Prohibits Dimunition of Health Care Benefits

TWO BILLS IN THE NYS ASSEMBLY WOULD PROTECT OUR HEALTH CARE

CLICK ON "FIND OUT MORE"

LATEST NEWS FROM THE UFOA CONCERNING MEDICARE

Update for UFOA Medicare Eligible Retired Members (Senior Care/Medicare Advantage Update)

Cost Saving for the City-Not Us!

City to save 600 Million Annually but at what cost?

‘People Don’t Know’

‘Fewer Services’

Learn More

VCF UPDATE:

LOOK WHO TURNED "100!"

Why, it's our own, Wilbur Hutchins!

ELSASSER FUND BENEFIT-

MEDICARE UPDATE

What you should know about the COVID-19 vaccines

You Can Now Wait Until 72 To Take Required Minimum Distributions. But Should You?

Taking advantage of low tax brackets

NEW LOCATION AND PHONE NUMBER FOR FIRE PENSIONS

MEDICARE PART B REIMBURSEMENT INFO

About Us

Who We Are

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Download The PDF Application

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