RETIREE PAYDATES
President’s Message
by Dr. Michael Taylor | Spring 2024 Living Power Magazine
Desire to Serve Others
The Japanese have a concept called IKIGAI (ee-kee-gay), which loosely translates into the happiness of always being busy doing something you love. IKIGAI combines your passion (what you love doing) with your vocation (what you are good at), with what the world needs (the job market), and finally, what you can get paid to do!
As retirees, we all followed different paths into the public sector. Maybe it was a family history of public service or perhaps somebody who inspired us. A teacher told me a kind and caring high school teacher inspired her to spend a career in the classroom. As retired public servants, we are fortunate because there were so many opportunities in the public sector that allowed us to find a calling that fits our passion and our mission.
One size does not fit all when it comes to our enthusiasm for public service, so the Japanese concept of IKIEGA sounds right. In the days of black-and-white TV, Frank Lovejoy was the lead detective in a crime drama called “Naked City.” No, it was not a show about a nudist colony; instead, it was a story about crime in a city with eight million people. The show opened with, “There are eight million stories in the naked city.” There are that many stories and more about why our members devoted their careers to public service.
One association member, who served in county government, explained it this way: “This was an opportunity to make a difference in people’s lives and to help provide them with opportunities to be successful. And not just individuals, but the job impacted the quality of life in entire communities.”
Another retiree, who worked in technology in county government, was inspired by her father to go into public service. She explains she was a second-generation public servant. “My father was a postmaster, and I grew up watching his devotion to serving the public.”
Family played a role in the decision of another NCRGEA member who was a social worker. “Having experienced a challenging childhood with divorced parents and relocation of the family at a critical age for me, I felt the best way to help children and families in crisis was through social work. The reward was certainly not financial but absolutely the satisfaction of enhancing healthy families.”
Still, another member who retired from the community college system explained it this way. “I have loved every aspect of my career because I was helping to build something or helping people have a better quality of life.”
And finally, a public education retiree noted his grandfather was a Chief of Police, and his mother was a first-grade teacher. He explained, “Those of us who began work in the sixties understood the theme of the time was more about ‘we’ than ‘me.’
That’s what public servants do; they aspire to help the ‘we,’ WE wanted to help.”
President’s Path
As for me, the road began as a student at Lenoir Community College in Kinston, where a group of dedicated and hard-working faculty and staff convinced a kid who graduated from high school in half of the class that made the top half possible, he was capable of so much more. Not only did I get my first degree there, but the desire to be like those who inspired me. This led to a 32-year career in our great community college system.
NCRGEA has over 65,000 members. If I could talk to all of you, I am certain I would hear many different stories about the roads you followed into public service. Yes, different stories, but somewhere in each of those stories would be the same passion to serve others, to make a difference. As one person I spoke with said, “My job was a higher calling.”
One of my duties as President of NCRGEA is to pen a column for every edition of Living Power. This is my final column, as my two-year term as NCRGEA president is over in June. During these two years, I have had a chance to visit with many of you at district conferences (Winston-Salem, Hendersonville, Shelby, Durham, Fayetteville, Morehead City, Greenville, Concord, and Raleigh) and at our legislative days in Raleigh, and even on Zoom. It has been an honor to represent such a great group of people who have dedicated their careers to the service of others.
In thinking about the subject matter for this final column, I considered several topics, including all the changes at your association over the past two years, along with the challenges we face as an organization. But finally, I thought the best topic would be to consider exactly what we all shared during our careers: a desire to serve others.
Hear what State Treasurer Dale Folwell had to say at our Spring Conference
NCRGEA held our 2024 Spring Conference in Raleigh at the McKimmon Center April 1 and April 2, 2024. We enjoyed our guest presentation by current Treasurer, Dale Folwell, who also provided attendees with cards directing them to find Unclaimed Property at NC Cash.
Click the button below for his video presentation.
On the Trail
Winter Edition 2023/2024 | Living Power Magazine
George Preiss hasn’t always been the outdoorsy type. When he began his career as a middle school language arts teacher, he befriended a colleague who kept inviting him to go camping, but he always declined. Finally, Preiss decided to accept the invitation and to his surprise, ended up loving the experience.
“Driving home from that first trip, we crossed the sign indicating the Appalachian Trail, and I was like, ‘What is the Appalachian Trail?’ I’d never heard of it,” Preiss says. “My friend explained that it was a 2,000-plus mile continuous trail through the Appalachian Mountains. And I told him, ‘We’ve got to do that.’”
Over the years, Preiss began to see hiking the Appalachian Trail as a goal for retirement. And when he wrapped up his teaching career in December 2022, he set his sights on finally making the hike a reality. Though he maintained an active lifestyle of walking and biking around his home in Wilmington, NC, Preiss says he didn’t do much hiking prior to tackling the trail.
“I showed up cold turkey, and I’d say a quarter to a third of the people I met on trail had a similar story,” he says. “This was their first hike. So it’s not that uncommon for people to get this idea in their head and do it.”
Preiss did other prep work, though, purchasing all the equipment he’d need on the trail and planning his trek to maximize the best possible weather conditions. On March 11, he set out from the southern entrance of the trail, in
Springer Mountain, Georgia. From there he spent the next 201 days—minus some breaks to nurse injuries—traversing the Appalachian Trail through Georgia, North Carolina, Tennessee, Virginia, West Virginia, Maryland, Pennsylvania,
New Jersey, New York, Connecticut, Massachusetts, Vermont, New Hampshire, and Maine.
Preiss says that one of the biggest misconceptions about hiking the Appalachian Trail is the belief that you’ll be alone in the forest the entire time. While he certainly enjoyed plenty of peaceful solitude hiking and camping through the wilderness, the journey also included stops in trail towns along the way where hikers can rest and replenish supplies.
After completing his trek in September, Preiss says he has gained a greater appreciation not only for hiking, but also his ability to face a challenge.
“I realized pretty early on that I’m a very determined person, and when I commit to something, I’m going to finish it,” he says. “But I’ll never do a six-month hike again with that magnitude. I did learn to love hiking, and I’ll love to go out for a week at a time and go see some new places in the United States—it’s going to be really fun.”
Diving In
When Cynthia Ferebee retired after a more than 30-year career as a teacher and assistant principal, she knew she wanted to stay active.
Social Security is Changing How They Collect Overpayments
Wednesday, March 20, 2024 | SSA Press Release
Social Security Commissioner Martin O’Malley today announced he is taking four vital steps to immediately address overpayment issues customers and the agency have experienced. Commissioner O’Malley testified before the U.S. Senate Special Committee on Aging and the U.S. Senate Committee on Finance (excerpt):
“For 88 years, the hard-working employees of the Social Security Administration have strived to pay the right amount, to the right person, at the right time. And the agency has done this with a high degree of accuracy over a massive scale of beneficiaries. But despite our best efforts, we sometimes get it wrong and pay beneficiaries more than they are due, creating an overpayment.
When that happens, Congress requires that we make every effort to recover those overpaid benefits. But doing so without regard to the larger purpose of the program can result in grave injustices to individuals, as we see from the stories of people losing their homes or being put in dire financial straits when they suddenly see their benefits cut off to recover a decades-old overpayment, or disability beneficiaries attempting to work and finding their efforts rewarded with large overpayments. Innocent people can be badly hurt. And these injustices shock our shared sense of equity and good conscience as Americans.
We are continually improving how we serve the millions of people who depend on our programs, although we have room for improvement, as media reports last fall revealed. We have also embarked upon a deep dive into the extent of the overpayment problem at Social Security, the root causes of these administrative errors, and the steps we can take as an agency to address these individual injustices.
Our deeper understanding of the complexities of this problem has set us on the following course of action:
- Starting next Monday, March 25, we will be ceasing the heavy-handed practice of intercepting 100 percent of an overpaid beneficiary’s monthly Social Security benefit by default if they fail to respond to our demand for repayment. Moving forward, we will now use a much more reasonable default withholding rate of 10 percent of monthly benefits — similar to the current rate in the Supplemental Security Income (SSI) program.
- We will be reframing our guidance and procedures so that the burden of proof shifts away from the claimant in determining whether there is any evidence that the claimant was at fault in causing the overpayment.
- For the vast majority of beneficiaries who request to work out a repayment plan, we recently changed our policy so that we will approve repayment plans of up to 60 months. To qualify, Social Security beneficiaries would only need to provide a verbal summary of their income, resources, and expenses, and recipients of the means-tested SSI program would not need to provide even this summary. This change extended this easier repayment option by an additional two years (from 36 to 60 months).
- And finally, we will be making it much easier for overpaid beneficiaries to request a waiver of repayment, in the event they believe themselves to have been without any fault and/or without the ability to repay.
Implementing these policy changes — with proper education and training across the people, policies, and systems of the agency — is an important but complex shift. And we are undertaking that shift with urgency, diligence, and speed.
I look forward to working with Members to discuss ideas that could address the root causes of overpayments.”
Social Security launched a comprehensive review in October 2023 of agency overpayment policies and procedures to address payment accuracy systematically. (See Learn about Overpayments and Our Process | SSA and Press Release | Press Office | SSA). These changes are a direct result of the ongoing review. Additionally, the agency recently announced it is working to reduce wage-related improper payments by using its legal authority to establish information exchanges with payroll data providers that will significantly reduce the number of improper payments, once implemented. (See Press Release | Press Office | SSA for more information). The agency will continue examining programmatic policy and making regulatory and sub-regulatory changes to improve the overpayment process. More details on these updates will be shared as they become available.
To watch the testimony and read Commissioner O’Malley Statement for the Record, visit Keeping Our Promise to Older Adults and … | Senate Committee On Aging and Hearing | Hearings | The United States Senate Committee on Finance.
Rep. Jeffrey Elmore: NCRGEA’S First Legislator of the Year
Winter 2023/2024, Living Power Magazine
The executive board and staff of the North Carolina Retired Governmental Employees’ Association (NCRGEA) is proud to award Wilkes County State House Representative Jeffrey Elmore as our 2023 Legislator of the Year. Elmore is the first legislative member of the year named by the association.
Elmore serves the 94th House District, representing Wilkes and Alleghany counties. In his 11th year in the North Carolina General Assembly, Elmore serves as a House appropriations chairperson and also serves on the House Pensions and Retirement Committee, among other appointments.
Elmore worked tirelessly to secure bonus money for TSER retirees. In addition to his role in the legislature, Elmore also works as an educator in his 23rd year of teaching and has also served as president of the Professional Educators of North Carolina (PENC), a nonpartisan group of 7,000 teachers in North Carolina. Prior to serving in the state legislature, Elmore was a planning board member, commissioner in North Wilkesboro, and he served as chairman of the town’s board of adjustments.
A native of Wilkes County, Elmore has deep roots in the region. He resides in North Wilkesboro with his wife and two children, where he’s also a member of First United Methodist Church.
“We are grateful to Rep. Elmore for his service and for championing North Carolina’s public service retirees,” said NCRGEA Executive Director Tim O’Connell.
Prevention is the Best Cure
By Dale R. Folwell, CPA
State Treasurer of North Carolina
The only thing that beats a happy new year is a healthy new year! The State Health Plan offers many preventive care services and medications at no cost to members. Plan members can start their year off right by taking advantage of all the preventive care benefits available to them on all the options the State Health plan offers, including the Base PPO Plan (70/30), Enhanced PPO Plan (80/20), and Humana Medicare Advantage plans.
Preventive care is routine health care that includes screenings, checkups, and patient counseling to help prevent illnesses or disease. Preventive care is covered at 100% when it is provided by an in-network provider, when the claim is filed as a preventive visit, and when services are identified as preventive care under the Affordable Care Act. Examples include mammograms, preventative colonoscopies, and immunizations. There may be exceptions, so it’s important to know what qualifies as preventive care, as well as what questions to ask your provider to avoid extra costs. Good questions to ask include:
- Will any additional tests, labs, or treatments I get during my appointment not be considered preventive care?
- Will talking about other topics that are not considered preventive care during my appointment lead to out-of-pocket costs?
For members enrolled in Humana Medicare Advantage Plans, your coverage includes additional benefits, such as the SilverSneakers® fitness program—free of charge—and the Go365 wellness and rewards program, which offers personalized activities, tracking, support, and rewards to keep your health top of mind. To learn more about SilverSneakers and other preventive benefits, visit Humana’s website at Your.Humana.com/ncshp.
These great benefits mentioned above are all part of the Humana Base Medicare Advantage Plan, which is offered to plan members for a $0 premium with Medicare-eligible spousal coverage for just $4 a month, all at no cost to taxpayers. For more information, members are encouraged to visit the State Health Plan’s website at SHPNC.org.
Getting Her Kicks
Fitness has always been important to Julie Lowery. As a certified registered nurse anesthetist for more than 25 years at UNC Hospitals, Lowery saw fitness as an extension of her health—a way to keep her body strong and vibrant.
NCRGEA 2024 Spring Conference
NCRGEA welcomes our members, pre-retirees and guests to Raleigh on Monday or Tuesday | April 1 or 2 for our Spring Conference! The venue space is limited, so we are offering the event again on Tuesday. Please choose which date works best for you.
We’ll have free continental breakfast to enjoy as you attend our morning sessions, which include:
- “Medicare and Healthcare” by CenterWell
- “Local Landscaping Tips” by NC Cooperative Extension
- “Brain Fitness” by Brookdale Senior Living
There will be many vendors at information tables to answer your questions and provide one-on-one assistance. Giveaways will occur during the day!
Breakout sessions for state and local government retirees will be held to provide updates on your benefits. Candidates for State Treasurer will speak; this is the office that manages the pension for our retirees. Our current State Treasurer will discuss the current news from their office, and presentations will be given by the State Employees Credit Union, the Local Government Federal Credit Union, as well as CenterWell and AMBA.
Door prizes will occur throughout the presentations!
We will have a catered lunch that is free, and we hope you bring a guest to also enjoy this day of fun! They will also attend free~