Serving Retired Teachers Since 1957

VOLUME LIV NUMBER 2 LOUISVILLE, NOVEMBER 2019 Kay Hammond and Margaret Brown Walker Receive NRTA Recognition Award Th e NRTA With Our Youth! Program was established to provide opportunities for retired educators and youth to work together to address the needs of youth and the broader community. State and local retired educators association (REA) volunteers use the resources provided by NRTA to organize local self-sustaining service projects. Th e Pike County and Big Sandy District Retired Teachers Associations nominated Kay Hammond as candidate for the NRTA With Our Youth Award. Aft er she retired as a high school librarian in the public school system, L-R: Tim Abrams, KRTA Executive Director, she became a part-time librarian at her local university. During this “retired” season of her life, God began Kay Hammond, Pike County, Harold Wilson, to lead her on a new journey. She had always felt compassion for teenage girls that found themselves in an KRTA President unplanned pregnancy. She read in the local newspaper that a meeting was going to be held about the possibility of opening a pregnancy center in Pikeville. Seven people attended the meeting and that night the Appalachian Pregnancy Care Center (APCC) board was formed. Th ey decided to open a pregnancy center and she became the director. Th e pregnancy center has been open for almost 12 years. It is located downtown in Pikeville and is the only pregnancy center located in the farmost part of Eastern Kentucky. It serves 12 counties and parts of 3 states. It is an affi liate of Care Net. APCC off ers a comprehensive system of support and service for women experiencing unplanned pregnancies and their newborns. It provides necessary prenatal and postnatal education resources and helps new mothers avoid the pitfalls that oft en accompany an unplanned or unwanted pregnancy. Th e clients are connected with a broad-based network of support agencies in their community. APCC helps them L-R: Tim Abrams, KRTA Executive Director, make positive choices involving the health of themselves and their babies. Th e mothers are counseled about Margaret Brown Walker, Carroll County (Continued on Page 9)

IN THIS ISSUE . . . Beshear: Mail Scammers Swindle $85,000 . . . . .12 572 NRTA Recognition Award ...... 1 Protecting Your Loved One From Scams...... 12 Community/School Service Project Grant . . . . . 12 PERSONALLY SPEAKING AROUND THE STATE

P A I D I A P From the Executive Director ...... 2 permit permit

prsrt std prsrt E’town/Hardin/Larue RTA...... 13 u.s. postage u.s.

louisville, ky louisville, Legislative Priorities Fift h District RTA ...... 13 A MESSAGE FROM THE PRESIDENT ...... 2 Garrard County RTA ...... 13 KRTA PARTNERS Glasgow Barren County RTA ...... 13 Liberty Mutual...... 3 Nelson County RTA ...... 13 Adjusting to Winter Behind the Wheel Brown & Brown Insurance ...... 3 Graves County RTA ...... 13 Th is Surprising Expense. . . Nearly $1000 a Year Hart County RTA ...... 13 Air Land Sea Travel, LLC ...... 3 Knott County RTA ...... 13 Tours Available in 2020 Logan County RTA ...... 13 FALL WORKSHOPS 2019 Menifee County RTA ...... 13

Mercer County RTA ...... 14 PUBLICATION

Teamwork Makes the Dream Work ...... 4 Health, Insurance & Wellness ...... 4 Northern District RTA ...... 14

KRTA & AARP Working Together ...... 4 Paducah/McCracken RTA ...... 14 QUARTERLY

Pendleton County RTA...... 14

A Teachers’ Retirement System of Kentucky ...... 5 Legislative ...... 7 Pike County RTA...... 14 Membership ...... 7 Th ird District RTA ...... 14 Legislators Participating in Workshops ...... 8 Webster County RTA ...... 14 Presidents of the 14 Districts ...... 9 Wolfe County RTA ...... 14 Kentucky Retired Teachers Association Teachers Retired Kentucky Business Partners Participating in Workshops . .10 FOR YOUR INFORMATION ...... 15 YOUR HEALTH &SAFETY QUIPS, QUOTES & PUZZLES ...... 15 Let’s Talk About Your Health...... 11 DECEASED RETIRED TEACHERS ...... 16 AARP Recruiting Volunteers for Tax Aide . . . . .11

Emergency Contact Information for KY Drivers 11

Louisville, Kentucky 40291-3234 Kentucky Louisville, 7505 Bardstown Road Bardstown 7505 PAGE 2 KRTA NEWS NOVEMBER 2019

PERSONALLY SPEAKING . . . in the top 1% of public pension plans in the nation earnings net of $12.4 billion. Th is generated $2.9 billion for TRS above the average pension plan’s return. Changing the board make up and fi lling the vacancies with political appointees, as opposed to elected members, is against the interest of current and future benefi ciaries of TRS. KERS has a 17-member board—11 of which are political appointees—has been Legislative subject to politics, questionable investments, kickbacks, and scandals that have cost its benefi ciaries millions. Tim Abrams Priorities Th e Public Pension Oversight Board (PPOB) was established and made up of eight Executive Director members of the general assembly and six appointed citizens. Th e PPOB has the Th e 2020 session of the General power to prompt any of Kentucky’s retirement systems to disclose any of its activities Assembly is just around the corner. and make recommendations to the General Assembly to govern the systems. It will be important for lawmakers to continue to hear your voices. I wanted to 3. Kentucky must maintain the Defi ned Benefi t Pension System for current and provide you now with our KRTA’s legislative priorities and messages so we are future retirees. ready in 2020 to work together to protect the benefi ts we earned. Th e Defi ned Benefi t System is structurally sound and helps recruit and retain 1. Restore funding to the Medical Trust Fund in 2020, as agreed upon in Shared teachers at a time when we face worker shortages. If you fund the actuarial required Responsibility Agreement passed in 2010. contributions (ARC), the retirement system is the most taxpayer effi cient way of While the 2018 budget funded the fi rst year of the biennial budget, the second providing a dignifi ed retirement for teachers. Investment income generated from year relied on a budget surplus. Both years should be included In the 2020 budget capital contributions fund a majority of retirement benefi ts for retired teachers. as line items. Th e 2010 Shared Responsibility Plan was model legislation. Th e law Taxpayers only pay approximately a quarter of benefi t payouts. Each time the passed the 2010 General Assembly with no negative votes. Kentucky’s education legislature fails to make a $1.00 capital contribution, TRS misses out on an additional community stepped to the plate agreeing to provide new funding streams to right $1.00 in investment income over the next 10-years. Switching future teachers to a the ship. Kentucky became one of the few states to prefund teachers’ health care. cash balance plan hurts the solvency of the retirement system and provides less of a Th is lowered the state’s portion of the unfunded liability from $6.2 billion to $1.2 benefi t for the teacher leaving the profession. Proponents of cash balance plans try billion and helped bond ratings. Th is lowered the annual request to the state for to argue cash balance plans provide increased portability for teachers leaving the retiree health care from $170 million in fi scal 2008, to $70 million in 2020.Teachers, profession. Actually, for the 9 out of 10 teachers who leave the profession with less retired teachers under 65, and school districts have done their part. Th e state needs than 5 years of service, their TRS account generates $5,802 more to port than would to keep up its end of the deal and fully fund the TRS Medical Trust fund in the 2020 the CERS cash hybrid plan. Budget. 4. TRS must maintain fi nancial and administrative independence from 2. The board structure of TRS must not change. Changes, as proposed by the Kentucky’s other retirement systems. legislature in the 2019 session, would put TRS’ fi nancial and administrative TRS is nationally recognized for its risk and administrative management and has independence in jeopardy, leaving it susceptible to politics and agenda- consistently ranked near the top of public pension plans in the for its driven decisions. investment returns. TRS has maintained a well-balanced conservative investment Th ere is no need to change the structure of a board for an organization that is portfolio. TRS has never invested in hedge funds, subprime mortgages, or allowed nationally recognized as a leader and admired by other state pension systems or used placement agents for investments. Th e TRS actuary has stated that as long as across the country. full funding continues, there will be suffi cient money available to pay the promised benefi ts to Kentucky’s Retired Teachers. TRS retirement annuity trust returns as of June 30, 2018 for a ten-year period were (Continued on Page 11)

Th ere is already a 13 percent drop in enrollment in the colleges of education in PRESIDENT’S MESSAGE . . . Kentucky colleges. Instead of the 62% state budget going to education in the 80’s, it is now closer to Harold Wilson 50% funded. Revenue is the problem. Th ere are over $13 billion of exemptions compared to a Kentucky budget of $11.5 billion. State exemptions aff ect retired teachers, too. Over a half billion dollars were exempted for corporate Kentucky Fall is now upon us, and all district workshops have been in the last full session while revenues were short. We all know that our state and held. My gratitude and thanks go to all the district presidents national economy depends on an educated workforce. and contacts who help make these conferences a success. My thanks also go to all members and legislators who attended. As we go forward, there are still some concerns about our pension’s inviolable contract A special thanks goes to TRS representatives and the KRTA in the future. Many legislators say retirees are safe. However, with our legislator’s traveling teams for their hard work. Never have I had such a and governor’s previous attempt to break contracts, anything is still possible. Please meaningful experience as meeting Kentucky retired teachers. stay vigilant and current in studying new legislative bills coming up in January during What an honor it has been sharing my thoughts on “Teamwork the 2020 Legislative Session. Be prepared to make those hotline calls and contact Making the Dream Work.” Everyone has a story to share, and I want you to continue your legislators. Be polite, smile and dial. One of the most important elections ever telling everyone of the wonderful life of service you have given to children. By telling held in Kentucky will be held on November 5 followed by the General Assembly your story, you can help change the increasing negative public opinion that has been which will create our next two years’ budgets. created by some who attack public education. Now for some clarifi cations. Like many of you, I work at the polls during elections. I really appreciate all the nice comments I’ve received on my topic, “Teamwork Makes Remember that KRTA is non-partisan, but you may hear some things that may the Dream Work,” at the fall conferences. You truly are the “Molder of Dreams.” You surprise you. Know that many items are Federal issues that are not determined by have and still “Make Dreams Come True.” Please share those thoughts with your Kentucky state legislators. Don’t confuse those. I do ask that you vote for Public locals and those who might fi nd the profession desirable. As Mr. Guy Doud, 1986 Education. Kentucky is one of the few states that allows for straight ticket voting. If Teacher of Th e Year, said, “Your lives are a tablet written on the human heart.” Your you decide on that option, then your vote will not count for anyone in the opposite grandchildren, too, may still fi nd teaching a special calling. I hope our legislators party. In other words, you will not be able to split a ticket if you choose straight will understand this and provide adequate funding to make the job more desirable. (Continued on Page 3) NOVEMBER 2019 KRTA NEWS PAGE 3

This Surprising Expense KRTA PARTNERS . . . is Costing Retirees Nearly $1,000 per Year

And it could cost you a lot more if you ignore it. Once you retire, many of your normal living expenses will stay the same. Some will Adjusting to Winter increase or decrease, but for the most part, the types of costs you face in retirement Behind the Wheel will be similar to the ones you have now. But when it comes to healthcare, you might see some changes. Medicare is a confusing topic, and if you don’t fully understand how it works, you’re not Because driving in winter conditions is fraught alone—72% of Americans say they wish they better understood Medicare, a survey with hazards such as icy roads, poor visibility and the threat of snowstorms, ask from Nationwide found. yourself the following questions before you get behind the wheel and put your Part A and Part B will cover most of your major healthcare needs. However, one safety at risk. type of care that Original Medicare doesn’t cover is routine care, such as dental Is this trip absolutely necessary? If you can wait out a storm or until roads are coverage—and it’s costing retirees. cleared, don’t take the risk. The cost of dental care in retirement Do I need to drive a car to get to my destination? Consider public transportation Among retirees who are enrolled in Medicare, 65% don’t have any dental coverage, if it’s available. according to a report from the Kaiser Family Foundation. Furthermore, of those Are roads icy? If so, stay put. Black ice is especially slick and dangerous on who have gone to the dentist, the average retiree pays around $922 per year in out- bridges and overpasses. of-pocket expenses. It’s not uncommon to spend more than that, though, and one in fi ve retirees pays more than $1,000 per year on dental care alone. Is visibility okay across my entire route? Check local news stations or online forecasts for up-to-the-minute weather information for your fi nal destination and When you’re living on a fi xed income in retirement, every dollar counts—and locations along the way. dental care isn’t cheap. Even routine cleanings can cost a couple hundred dollars or more per year without insurance, and if you skip going to the dentist thinking How can I make the trip safer? Give your itinerary to family and friends. you’re saving money, you risk developing problems that could cost hundreds of Scrape the entire windshield and windows. Brush snow from the hood, trunk even thousands of dollars to fi x down the road. and headlights. Don’t speed. Don’t travel at night. Use main highways whenever possible. “You’ll want insurance for those higher costs, including fi llings, crowns, implants, and dentures,” said Gretchen Jacobson, associate director with the Kaiser Family How can I maintain my vehicle to keep my drive safe? Fill your coolant system Foundation’s program on Medicare Policy. with antifreeze. Clean the inside of your windshield to prevent glare. Keep your gas tank at least half full. Use snow tires or chains as directed. If you want to limit your out-of-pocket dental expenses, KRTA has options for you in the form of three dental plans for you to choose from. You can enroll at anytime Do I have what I need if there’s an emergency? If not, build an emergency kit and live anywhere in the USA. for your vehicle that includes a fl ashlight, batteries, jumper cables, fl ares, mobile phone charger, blankets, and battery-operated radio. And stow an ice scraper, For more information: brush and snow shovel in your trunk. www.deltadentalky.com/KRTA or 1-800-955-2030

To learn more about Liberty Mutual Auto and Home Insurance or get a free, no-obligation quote, call David Farmer at 502-429-4504 ext. 51690 or visit www. libertymutual.com/krta.

Coverage underwritten and provided by Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, , MA 02116. Reprinted with permission from Liberty Dave Farmer Mutual. ©2014 Liberty Mutual Insurance Liberty Mutual Insurance (Continued from “President’s Message” Page 2)

Tours Available in 2020 Republican or Democrat. Most states do not have this problem because they don’t Contact Carol Pullen allow those options. 502-594-3874 or pullen [email protected] I have recently had a few legislators ask me how many members we have compared to possible members. I give them the percentages and numbers the best I can. Th ey all say that we don’t have everyone in KRTA. Th en they argue their position, Heart of Europe Circle Tour—15-day tour featuring Germany, Austria, Italy, a position of divide and conquer. Our membership goal is 32,820 for 2019-2020. Switzerland, France, Belgium and Holland. Available March-October We have over 16,000 non-members. We need them and they need us! Th e harvest Heart of the British Isles Tour—16-day tour featuring England, Scotland, Wales is plentiful, but the workers are few. Support your membership teams and make and Ireland. Available May 6, June 17, August 5, September 2, 16 & 18 the dream work. I have full confi dence that we will meet our goal. World War II Memorial Tour—17-day tour of Germany, Austria, France, Don’t allow anyone to destroy your dream. I would be glad to speak to your local Luxembourg, Belgium and Holland. Available May 13, June 24 & September 9 if requested. God’s blessings in retirement. PAGE 4 KRTA NEWS NOVEMBER 2019

Bay Alarm Medical has professionally-trained operators who provide medical and emergency response that’s second to none. For more information, contact them at Fall Workshops 2019 www.bayalarmmedical.com/krta or call 877-522-9633. Teamwork Makes the Dream Work 1st Choice Protection is our provider for your home security system needs. Th ey are an authorized ADT dealer. Call 502-709-5645 or visit www.1stchoiceprotection.com. President Harold Wilson For superior Senior Care, we have three participating patners: Comfort Keepers : 866-676-9888 or www.comfortkeepers.com District Fall Workshops are a special time for Home Instead: 866-886-6831 or www.homestead.com the Kentucky Retired Teachers Association. Th e Home Helpers: 859-797-3127 or www.homehelpershomecare.com/lexingtonky KRTA travel completed its journey covering all 14 & 606-657-9441 or www.homehelpershomecare.com/londonky. districts. Everyone works long hours and travels the entire state. Legaline: Free limited legal advice. Some services at reduced fees. Call 800-232-1090. President Wilson’s message to all workshop attendees was about the importance of everyone Commonwealth Credit Union: 800-228-6420 or www.ccuky.org. working together as a team! “Teamwork makes Free Finance & Investment Information. Hank Hensley 800-927-0030 the Dream Work” was well received. Air, Land, Sea Travell LLC. Travel opportunities. Carol Pullen 502-873-5610 or His message was/is for anyone who has been [email protected]. called to do a special service to continue their dream. “Don’t allow anyone to destroy your KRTA President Harold Wilson dream or make you feel unworthy.” So many groups are trying to destroy public education and KRTA and AARP Working Together make demeaning comments about teachers. One reason is to support schools for Cebert Gilbert, AARP/KRTA Liaison profi t. Another is pension envy. A pension is the only thing teachers have; there is no safety net. He hopes the next legislative session will be met with respect Cebert encouraged everyone to join AARP and also become a member of NRTA from all sides. Kentucky teachers have had its share of attacks on everything from by checking the NRTA box on the AARP membership form. By doing so, retired pensions to classroom supplies. “Teachers are the Molder of Dreams.” Teachers teachers are supporting the partnership of KRTA and AARP who work together on make dreams come true. It is truly a high calling. issues with which they agree:  KRTA is a team. Each member is a player on this team. We are all working toward Retirement Security a common goal to support and protect the needs of Kentucky’s retired teachers.  Grandparent Essay Contest Our founders worked as a cohesive team in their eff orts to build an organization  National Day of Service—September 11 giving retired teachers voice and representation.  School Supply Drive  Financial Security  Caregiving/Prepare to Care Health, Insurance & Wellness  Drive to End Hunger/Yes, We Can Feed Co-Chair Edwin Cook III and Kentucky  Fraud Watch Network Margaret Head Sims  Voter Engagement The health, insurance, and wellness Grandparent Essay Contest Cebert Gilbert benefi ts off ered by membership in KRTA  Honors the role of grandparents are certainly something to celebrate!  Brings attention to number of students being reared by grandparents Margaret Head Sims Margaret and Ed described these to  Educates principals and teachers about the challenges of these students and the workshop attendees, emphasizing that all pertinent grandparents. information could be found on Th e FACT Sheet (green sheet)  Gains community service credit for participation. in the workshop packet and available from the KRTA offi ce.  Open to all 5th grade public school students Edwin Cook III North American Life Plans is our Long-Term Care insurance  Deadlines: School winners December 15, 2019 specialist. Additionally, they off er life insurance and LifeLock County winners January 31, 2020 Identity Th eft Protection. Call 888-362-1214 for a free, no obligation review. District winners March 1, 2020 Liberty Mutual Automobile & Homeowners Insurance off ers a Group Savings Plan  State winner will be announced at the KRTA Convention in April 2020 . to KRTA members. Contact Dave Farmer at 502-710-0553 or 888-504-0156 Ext.  Visit www.aarp.org/grandparents for more information. 51690 to get a free, no-oligation rate quote. Be sure to mention Client #8815. Fraud Watch Network Brown & Brown of Louisville has Delta Dental Plans off ered to our members. AARP has launched a national campaign to fi ght fraud and ID theft and give you Call 800-971-4108 or visit www.deltadentalky.com for rates & enrollment form. VSP access to information about how to protect yourself and your family. See more (vision plan) is purchased in combintation with your Delta Dental Plan. In addition information at aarp.org/fraudwatchnetwork. KRTA RX Help Centers off er assistance to spouses, children, parents, grandchildren School Supply Drive/Drive to End Hunger/Yes, We Can Feed Kentucky! and siblings for $50 a month. Call Jason Weilage at 502-814-0647. Brown & Brown Many Retired Teacher Associations are collecting school supplies each year to help also off ers pet insurance. Call 866-937-7387 or go to www.petfi rst.com/krta. schools make sure each child has supplies. Locals are collecting canned goods to Avesis Vision Plan is a stand-alone plan that off ers benefi ts for exams, materials, help end hunger. Th ese are great opportunities for your group to make a diff erence. frames and contacts. Call 800-828-9341 for information. Volunteer Opportunities, Speakers, and More Hear in America is a hearing instrument plan off ering a free annual hearing All requests are approved based on speaker availability, location and group size. screening for you and your extended family. Call 800-286-6149 or visit www. Although there is no charge for providing the speaker, attendance at your event should hearinamerica.com. be 25 or more people. Speaker requests should be submitted four weeks in advance. Heuser Hearing Institute off ers diagnostic, therapeutic and medical services for ear Website: www.aarp.org/ky E-mail: [email protected] Phone: 1-866-295-7275. & hearing related issues. Call 502-584-3573 or visit https://thehearinginstitute.org. NOVEMBER 2019 KRTA NEWS PAGE 5

Teachers’ are males. TRS distributes approximately Retirement $180 million monthly in retirement System of benefi ts and $18.6 million in medical Kentucky benefi ts. staff traveled Impact. The sole reason TRS exists with the Fall is to provide monthly checks for its Workshop team retirees and their beneficiaries and and presented survivors. Th is means $1.9 billion goes in each district. into Kentucky’s economy each year. Th e Workshop positive impact—for school districts, attendees for members, and for state and local received the latest news concerning economies—cannot be overemphasized. their retirement system, insurance and Ninety-one percent of TRS pension legislative issues. benefits stay in Kentucky. In most TRS staff Beau Barnes, Tonya Courtney, counties, the school district is the largest Nazma Haq, Dora Moore, and Kevin employer. Health Plan (MEHP) administered continued year after year, could lead Briscoe were on hand all three weeks to TRS Financial Updates. You’ve probably by TRS for Medicare-eligible retirees to coverage reductions for all retirees explain the state of the insurance fund, heard the calls for pension systems to be and those 65 and over. The MEHP is and defeat the primary goal of Shared benefi ts and updated issues with TRS transparent. TRS embraces transparency exclusively for TRS members. MEHP is Responsibility to protect the coverage investment performance. in the following ways: 62% funded and is projected to be fully of the entire retired teacher population. TRS was established by the General TRS has never used placement agents. funded in fi ve years. TRS will be reviewing the loss of funding Assembly in 1938 and funded in 1940. A TRS does not use hedge funds. Kentucky law guarantees retired teachers for dependent care of under-65 retirees Defi ned Benefi t Group Retirement Plan TRS has fi duciary duty and investment access to group coverage, but the details of and will be meeting with education was established to provide retirement fl exibility in procurement. that coverage —including costs, subsidy stakeholder groups to reach a consensus benefi ts for local school districts and Fees are disclosed in the annual report and level of coverage —can change. on sustainable options for the future in other public educational agencies in the and quarterly on the website. time for 2019 plan year. state. TRS now handles the retirement Structure is recommended as a “best The new 2018-20 budget assigns the needs for the educators in 173 school practice” for other pension systems. costs for two pieces of retiree health care If HB 540 had not passed, we would not districts, KCTCS, 17 Department of —one dealing with premiums for the have a long-term solution to fund retiree Th e transparent low fee and investments Education agencies and 5 regional dependents of retired teachers and the health care. The medical benefit for costs total 28/100 of 1% of the pension universities. Contributions from the other dealing with premiums for under retired teachers under age 65 would have assets. active teacher plus the employer match 65 retired teachers—to the TRS fund that gone away and upon retiring teachers lasts six years. Aft er that, the retiree’s TRS retirement annuity assets total about covers MEHP claims. Neither of those would have to pay the full cost of health annuity is paid from investments. Due to $21.6 billion. Th e 30-year compounded expenses were envisioned in 2010, when care (in addition to the Medicare Part the outstanding investment practices of gross return is 8.13% on its investment Shared Responsibility became law, as uses B premium at age 65). Under Shared TRS, retirees will draw their annuity for performance. for the TRS fund. Responsibility, active members will the remainder of their lives. Th e number RETIREE HEALTH CARE. One piece of the budget not envisioned have medical benefits available when of members over 100 years old still TRS recently received $70 million in in 2010 allows TRS to pay the non-single they retire. As is clearly evident, without drawing annuities increases each year. state surplus funds to fund fully the subsidy—something TRS cannot do medical benefi ts, retirement security is An additional interesting fact is that still Health Insurance Trust that pays for without the permission of the legislature uncertain. Th e likely outcome would living are 17 of the founding members of retiree medical. Th e legislatures’ 2018- —out of the TRS fund. Th is costs about be that teachers would need to work TRS. Th ey have been receiving a benefi t 2020 budget provided full funding in the $10 million a year. The legislative much longer (closer to age 65) to make since the doors opened July 1, 1940. fi rst year of the biennium and did not authority given to TRS also requires up for the loss of this benefi t. Shared The national atmosphere of pension initially fund $70 million for the second approval of the Board of Trustees. Responsibility means teachers will be able to retire at a time of their choice with plans is putting our Defi ned Benefi t Plan year, which began July 1, 2019. But the Generally, this benefi t has been provided greater retirement security. under attack. It has worked successfully legislature said that any surplus from the since 2004, with funding and/or for us for 80 years and with our positive fi rst year would go to pay the remaining permission from the state, for under-65 Retirees under age 65, regardless of fi nancial investment record, it should $70 million. Th e state did see a surplus in retirees who want to cover dependents retirement date who receive medical not be changed. the fi scal year that ended June 30, 2019, so through a family, parent plus or couple benefi ts through the Kentucky Employees’ REBRANDING. TRS received the $70 million. Th at means plan. Th ese retirees represent about 7 Health Plan, began contributing an additional amount to the Medical For 76 years we were the Kentucky single coverage in the current fi scal year percent of all retirees. is fully funded; the money cannot be used Insurance Fund eff ective July 1, 2010. Teachers’ Retirement System. To make Based on the most recent budget passed, for family coverage. Th is amount is based on the standard KTRS stand out with clear, consistent it would appear any subsidy going Medicare Part B premium that is currently branding among the other state and TRS retirees receive health care through forward for dependents covered through paid by retirees age 65 and over. educational agencies that members deal two plans. The first is the Kentucky under-65 retired teachers would be the with, the rebranding eff orts have given us Employees’ Health Plan (KEHP) responsibility of the TRS fund. AGE 65 AND OVER ONLY. Th e TRS administered by the state Personnel MEHP Medicare Eligible Plan was the name TRS. Along with the new logo, Using the TRS fund for the subsidy for Cabinet for under-65 and not Medicare- awarded to United Healthcare (UHC). changes have been made to FaceBook, the dependents of under-65 retirees is eligible retirees. Th is is the same pay-as- UHC is a nationally-recognized company Twitter, our website and our email manageable in the short term; however, you-go plan that covers active teachers with offi ces in Louisville and Lexington addresses. Th e website is www.trs.ky.gov. it’s inconsistent with the 2010 Shared and state employees. Prefunding will start that employs 700 UHC employees. SYSTEM STATISTICS. Responsibility solution and unsustainable when over-65 coverage is fully funded. If Medicare Part B increases slightly, Field of Membership. As of December in the long term. Th e retirement system Th e state’s $70 million for FY 2020 is that means MEHP member will pay the 31, 2018, there were 39 members over for other state employees eliminated this funded through surplus. increase to Social Security. Changes in the age of 100. Of the total membership, subsidy several years ago. the MEHP include a copay change for 72% of the members are females and 28% Th e second plan is the Medicare Eligible The dependent subsidy expense, if (Continued on Page 6) PAGE 6 KRTA NEWS NOVEMBER 2019

(Continued “TRS” from Page 5) Amazon, Starbucks, and Subway. Contact in 2018. It provides members with tools, Health Reimbursement Arrangements UHC at 1-888-219-4602 to acknowledge a method of tracking food and activity, (HRAs). Th ey will also provide COBRA 2020. Th e emergency room copayments that your Wellness Visit or Physical has and incentives for healthy weight loss. administration services. WageWorks increase to $120 from $50. Th e increase been completed and to receive your fi rst Questions? Call 844-344-7325 TTY 711. makes benefits programs easier to allows urgent care copayments to drop to card. understand and use so that everyone $25 from $35, and the maximum out-of- Mom’s Meals. Th is in-home delivery of can take advantage of pre-tax savings pocket medical cost will remain $1,200. HouseCalls is a home visit with a UHC meals is off ered free for post-discharge nurse or physician. If you completed a care aft er a hospital stay. Be sue to ask and focus on what matters most. Th ey Personalized Medicine: It has been visit by June 30, you received a $15 Target your hospital case manager about getting currently work with more than 29,000 shown that 50% of medications taken gift card. signed up for this program. employers to help more than 3.2 million by patients are ineff ective. Adverse drug people save money. reactions rank as the fourth leading cause Know Your Rx Coalition Pharm-Assist For questions and information on any Out-of-pocket Maximums. The of death. Since the average number In addition to purchasing power, Know of these services available to MEHP LivingWell PPO and the Standard PPO of prescriptions per member is 15, the Your Rx Coalition offers member members, call 844-518-5877 of register plan options have a pharmacy out-of- TRS solution was to enter a personalized institutions clinical resources to help at www.UHCRetiree.com/trs. pocket maximum as well as a medical medicine partnership. DNA testing is further manage Rx spend. AGE UNDER 65 ONLY. out-of-pocket maximum. Your pharmacy conducted by Corielle Life Sciences. • Free counseling service via live LivingWell Promise. By July 1 each costs are capped where previously your Th e early data results have shown that pharmacists. year, you must complete the LivingWell pharmacy co-pays continued to be your as of August 2019, 8,121 members Promise. If you do not complete this responsibility, even if you had met your have enrolled in testing. Of those 28% • Identification of lower cost prescription alternatives. promise, you will not be eligible for medical out-of-pocket maximum. resulted in medication change. In six discounted insurance premiums in 2020 • Contacting physician to facilitate FSA Carryover. Up to $500 of your months there has been a 17% reduction and will pay an additional $40 per month seeking authorization for lower cost Healthcare FSA funds remaining in in spending for those involved and a for coverage. 2.5% increase in spending for the control alternative therapies. your account at the end of the calendar Th e medical vendor is the same as last group involved. • Liaison for retirees/physicians for year will carry over to the next plan year. year—Anthem Blue Cross Blue Shield issues with Rx benefi t including prior You should carefully plan the amount 2019 MEHP Features: (Anthem) and the prescription vendor authorization, step therapy, and other to contribute. Anything over $500 • Coverage for a routine hearing exam is CVS Caremark. programs. remaining at the end of the plan year every 12 months at a $0 copay KEHP remains a self-insured plan run-out period will be forfeited. • Educational resources for retirees– • A $500 hearing aid allowance every with benefits designed in-house. We adverse effects, drug interactions and VitalsSmartshopper points you in the 36 months will continue to have HumanaVitality general medication information. right direction to lower healthcare costs. • hi (HealthInnovations) Hearing Aids as our wellness vendor and Compass You can shop by website, phone or call Discounts Program Call at Rx Coalition at 1-855-218-5979. SmartShopper as our transparency center. It is easy to use and provides choice vendor. WageWorks is the COBRA/ • Six routine podiatry visits per plan Healthways SilverSneakers Fitness. rewards and cost-eff ective decisions for HRA vendor. year at a $0 copay Over 6,500 or 10.5% of the MEHP procedures like mammograms, bone enrollees are actively participating in Eff ective May 4, 2015, the pilot program density, colonoscopies, MRI and CT • My Path to Health “Renew” magazine, this free or reduced opportunity to visit with the TRS and Know Your Rx Coalition scans and surgeries. Call 855-869-2133 published 3 times per year a gym. under 65 retirees began. Under 65 TRS Once your claim is paid, SmartShopper • Solutions for Caregivers provides care Telemedicine—Introducing Virtual retirees on the KEHP and CVS Caremark verifi es that the location qualifi es for an planning and care coordination services Doctor Visits. Talk to a doctor whenever, drug coverage may be referred to the incentive and mails you a reward check. designed to relieve some of the burden wherever. Experience a live video chat, Know Your Rx Coalition pharmacists Go365 has been replaced by StayWell in and stress of caregiving and supports using a webcam-enabled computer, tablet just like retirees on the MEHP with 2020. As a result, any Go365 points or the overall well-being of the person or smartphone. A virtual doctor visit Express Scripts drug coverage. We are bucks must be redeemed by November receiving care with Doctor on Demand or AmWell has very glad to be off ering this much needed 30. Any Go365 points not used by then • Quit Power Cessation Program $0 copay. Once a request for a visit has consultation program to our under 65 will be lost. Also, members will not • Note: Th ere is no long-term nursing been submitted, the average wait time retirees! have access to their Go365 accounts home care through any TRS insurance is about fi ve to ten minutes. A typical Anthem Blue Cross Blue Shield aft er December 31. Information about plan. Call KRTA at 800-551-7979 for visit lasts 10 minutes. You can fi nd a list (Anthem) is the medical plan StayWell will be available at the KEHP long-term care options. of participating virtual doctor providers administrator. Anthem has operated in Benefit Fairs for members who have by logging in online at www.uhcretiree. United Health Care’s Rewards for Kentucky for more than 75 years and is questions. com/trs. Virtual visits may be best for Health. the largest carrier in the Commonwealth. situations like a cold, fl u, skin rash or eye Anthem off ers an even bigger network Register at uhcretiree.com/ktrs or call MEHP issue. Virtual visits are not appropriate of providers, excellent service and 888-219-4602 to see if you are eligible to for serious or emergency situations. technology, and signifi cant opportunities Over-65 retirees earn any gift cards for healthy activities. to help hold down costs. You may still be eligible for gift cards Coriell Life Sciences. who aren’t CVS Caremark is the pharmacy benefi ts rewarding your annual Medicare wellness Pharmacogenomics is personalized already enrolled: manager. Th e CVS Caremark network visit or physical with your doctor, as well medicine. Using DNA to see what includes more than 67,000 pharmacies Open Enrollment as rewards for fl u or pneumonia shots. drugs will be safe and eff ective for you may save your life. 84% of TRS retirees nationwide, including chain pharmacies October 15 The TRS MEHP Part D Prescription and 20,000 independent pharmacies. It is Drug Plan bid was awarded once again are on medications that are infl uenced through by genetics. Twenty-three thousand + important to know that you do not have to Express Scripts . Remaining with to use a CVS pharmacy and may continue Express Scripts allows TRS to continue as TRS retirees may need to stop or change December 7 at least one medication. What this to use your existing retail, grocery store, a member of the Know Your Rx Coalition and independent pharmacy if they for coverage with access to eight pharmacists and the data means is safety and savings for all members of TRS. participate in the CVS Caremark network effective ability to leverage the Coalition for future of pharmacies. drug pricing. Real Appeal. January 1, 2020 WageWorks is the administrator for Gift card choices are Applebee’s, Kohl’s, Th is on-line weight loss program began Flexible Spending Accounts (FSAs) and NOVEMBER 2019 KRTA NEWS PAGE 7

Legislative Co-Chairs Memberships Co-Chairs Don Hines & Larry Woods Betty Hester & Debby Murrell Legislative Areas of Major Emphasis What an exciting theme for the Membership No further changes to the governance of TRS. Th e board structure of TRS must not presentation—“We are family!” Debby was on the road change. Changes, as proposed by the legislature in 2019 session, would put TRS’ all three weeks bringing the following message: fi nancial and administrative independence in jeopardy leaving it susceptible to Make personal contact a priority. Organize the database politics and agenda driven decisions. into common groups and discuss ways of attracting new Th ere is no need to change the structure of a board for an organization that is members. nationally recognized as a leader and admired by other state pension systems across Divide members into groups based upon the place from the country. which they retired in order to encourage attendance Changing the board make up by fi lling the vacancies and to increase membership. with political appointees, as opposed to elected Discuss how to improve specifi c m e t h o d s c u r r e n t l y Betty Hester members, is against the interest of current and future practiced in order to improve knowledge of available benefi ciaries of TRS and the state’s fi scal well-being. benefi ts. KERS has a 17-member board—11 of which are What are 3 things that your District and Local are doing well and should continue? political appointees. Th e Public Pension Oversight What are 3 things that your District and Local should discontinue? Board (PPOB) was established and made up of eight What is the one thing that your District and Local could implement? members of the general assembly and six appointed citizens. Th e PPOB has the power to prompt any of Provide handouts listing benefi ts with examples and specifi cs for each one. Kentucky’s retirement systems to disclose any of its Share the Pink Sheet with list of benefi ts. activities and make recommendations to the General Don Hines Share the Green Sheet with specifi cs of those Assembly to govern the systems. benefi ts. Maintain TRS as a Defi ned Benefi t Group Retirement plan for all Kentucky public Consider the use of the Reminder for recruitment school teachers. A retiree cannot outlive his/her pension under a Defi ned Benefi t of new members. (DB) Group Retirement plan, unlike a Defi ned Contribution (DC) Individual Savings Identify inactive persons and encourage them account even with a Social Security safety net. Since Kentucky’s retired teachers do to join. Do you know someone who is no longer not have a Social Security safety net, it is vital that our DB Group Retirement plan attending your meetings and activities? A special continue. Also, research shows that DC plans are as much as 46 percent more costly contact could reengage them. than DB plans. Develop a brief survey to learn what types of Promote full funding of TRS and maintain the medical insurance fund. Skipping events your members would prefer. Even with the obligations jeopardizes aff ordable access to health care and puts thousands of current best renewal strategies, some members choose not and future retired teachers at fi nancial risk. Full funding in a timely manner is to renew. When that happens, survey them to fi nd Debby Murrell required to keep the annuity fund in sound fi scal condition, as is maintaining the out why they left , which services they liked, and medical insurance fund per HB 540 passed by the 2010 General Assembly (Shared which areas of your organization they think you need to improve. Use members’ Responsibility). Legislation requirements is essential to the fi nancial well being of responses to improve your organization’s off erings and member retention rates in our members. TRS members are meeting their Shared Responsibility (HB 540) the future. obligations. Full ARC Funding allows for more growth through a sound conservative investment strategy. Here are some sample questions . . . TRS must maintain fi nancial and administrative independence from Kentucky’s 1. What is the best time for you to meet with the retired teacher group? Morning? other retirement systems. TRS is nationally recognized for its risk and administrative Aft ernoon? Evening? management and has consistently ranked in the top 5% of the United States for its 2. Day of the week? Monday, Tuesday, Wednesday, Th ursday, Friday? investment returns. 3. Are you satisfi ed with the schedule of meeting four times a year? Yes or No? TRS has maintained a well-balanced conservative 4. What type of events interest you most? Potluck meal? Guest speakers? Service investment portfolio. TRS has never invested in projects? Other? hedge funds, subprime mortgages, or allowed or used Survey Monkey is a simple online tool members can complete in a brief period of placement agents for investments. time and you are quickly able to tabulate and identify the results. Fighting the False Narrative. Fake News— All of Communicate Appropriately. Do you know how your members wish to be notifi ed Kentucky’s public pensions are in trouble because concerning the number of retirees will soon exceed the number newsletters, of active workers paying into the system. A majority legislative issues, of benefi t payouts for retired teachers is generated meeting reminders, from investment income. Taxpayers only pay for and special approximately a quarter of benefi t payouts. Actuaries activities? have stated that if TRS continues to be funded Larry Woods properly, the pension system will be actuarially sound With a computer regardless of ratio of active workers to retirees. database or spreadsheet, you What we need to do. Meet with current Legislators; Seek their support on our major can easily code each issues; Find out what questions/concerns they have and get back to them with a person with their response; Attend committee meetings. Always remember “Party” is not an issue. choices. PAGE 8 KRTA NEWS NOVEMBER 2019 Thanks to Legislators Participating in the Workshops!

Rep. Rocky Adkins Rep. Danny Bentley Rep. John Blanton Rep. Rep.George Brown, Jr. Rep. Terri B. Clark District 99 District 98 District 92 District 29 District 77 District 100

Rep. Rep. Rep. Derrick Graham Rep. Joe Graviss Rep. David Hale Rep. Chris Harris District 6 District 89 District 57 District 56 District 74 District 93

Rep. Mark Hart Rep. Rep. Cluster Howard Rep. Ashley T. Laferty Rep. Ed Massie Rep. Bobby McCool District 78 District 94 District 91 District 95 District 66 District 97

Rep. Jerry Miller Rep. Rep. Rep. Rep. Sen. John Schickel District 36 District 33 District 62 District 47 District 60 District 11

Sen Wil Schroder Rep.Cherlynn Stevenson Sen Robert Stivers, II Rep. Sen. Reggie Th omas Rep. James Tipton District 124 District 88 District 125 District 22 District 13 District 53 NOVEMBER 2019 KRTA NEWS PAGE 9

(Continued from Page 8) (Continued from Page 1) athletes to practices and competitions. She has made sure the fi nancial and educational options. Th ey are helped to maintain athletes have uniforms and the necessary accessories—oft en with stable relationships and work with the entire family unit. Th e money from her own pocket. She has stayed with the athletes at clients are given compassionate, confi dential care for expectant competitions in hotels and dormitories. But most of all she has mothers experiencing a diffi cult and frightening period of their celebrated her athletes’ successes. Recently she celebrated with young lives. All services are free. Mrs. Hammond volunteers for what may be her most notable athlete when one of her Carroll many organizations, but APCC has her heart. County athletes was tapped to compete in , WA, at the She closes with a quote from one of her favorite authors, David U.S. Special Olympics competition. Margaret worked tirelessly Mitchell, from his book (Cloud Atlas), which says “Th ere ain’t to achieve the goal of getting Michelle to Seattle. Since the local no journey what don’t change you some.” As she refl ects on her organization had to fund her trip, Margaret organized fund raisers. journey, she has not traveled alone. We cannot do everything we Since bowling was her event, Margaret transported Michelle to practices at bowling alleys around the region. She made sure Rep. Buddy Wheatley want to do on our own. It takes key partnerships with like-minded that all the necessary details, both documents and packing, were District 65 individuals and organizations and it takes “outside the box” thinking so that we can help others experience a future of which in order. When the big moment came for departure, Margaret we never thought. She would like to think she is still investing in made sure that Michelle made it to the hotel and airport on time. Legislative Message Line future generations as she did through her 34 years as an educator. Michelle did well in Seattle. Perhaps the greatest moment was 800-372-7181 Our children—those now living and those yet to be born—are the when the team disembarked from their plane, long aft er their Bill Status Line very best of Eastern Kentucky. Reaching out to women who are planned arrival time, at 2 o’clock in the morning. Margaret was there to give Michelle a big hug and see that she returned home 866-840-2835 new mothers of young babies and need help or comforting those safely. Calendar (Meetings) Line women who are pregnant and need assurance is the very best help any organization or volunteer can give our region. Th is is just one of the many anecdotes that could be told about 800-633-9650 Margaret’s devotion to work with the special needs community. TTY Message Line Th e Carroll County and Fift h District Retired Teachers Associations nominated Margaret Brown Walker as candidate for She wants the best that can be provided for her clients while 800-896-0305 the NRTA With Our Youth Award. challenging her clients to be the best that they can be. Want to fi nd out Margaret Brown Walker spent thirty-one years in the classroom as who your legislators a Special Education Instructor on various levels. She retired from are? Carroll County Schools as a high school instructor. Th is retirement did not stop her work with the special needs community. She went on to work with the clients of the North Key Workshop as an all-around aide for several years. But this was not the entire scope of her work with special needs clients. For 27 years, she has been the Coordinator for Special Olympics Activities in Carroll County. Th is is a volunteer position. Margaret has volunteered with 502-564-3490 both her time and her heart in this position. She has transported Presidents of the 14 KRTA Districts

FIRST DISTRICT SECOND DISTRICT THIRD DISTRICT FOURTH DISTRICT FIFTH DISTRICT EASTERN DISTRICT JEFFERSON Charlotte Benton Rebecca Hudson-Brown Arthur Green Mary Lois Roberts Marie Wright Ann Porter Dale Warren

CENTRAL KY EAST CENTRAL KY WEST MIDDLE NORTHERN KY UPPER CUMBERLAND UPPER KY RIVER BIG SANDY DISTRICT DISTRICT CUMBERLAND DISTRICT Sherry Skaggs DISTRICT DISTRICT Avis Th ompson Kathy Cole Shirley Dick Wolfe Lori Flerlage Paula Adams Michael Caudill Deborah Ward PAGE 10 KRTA NEWS NOVEMBER 2019 Business Partners Participating in the Workshops!

Gary Harbin Kevin Briscoe Becky Craft

Special thanks to Debby Murrell and Harold Wilson for taking pictures during workshops for the David Malin KRTA NEWS Dana Ballard

Nazma Haq Tonya Courtney Dora Moore

FINANCE & INVESTMENT LINE

Henry Hensley & Tara Parker Lynn Groff & Chris Tyler Kelli Huff man Raymond James & Assoc.

Jeff Johnson & Jim Curley Carol Pullen North American Life Plans Air Land and Sea April Goodin Travel

Brown & Brown Insurance Patricia Walker Allison Russell, R.Ph. Jason Weilage Marissa Boelhauf, R.Ph. Stacy Poskin Sarah Short Clinical Staff Clinical Staff

Olivia Fette April Prather, R.Ph. Travis Albrecht, Lea Goggin, R.Ph. Peter Rodish Dave Farmer Clinical Staff Clinical Staff R.Ph.Clinical Staff Julie Brown Deanna Boone Anthem BCBS Anthem BCBS Liberty Mutual Liberty Mutual NOVEMBER 2019 KRTA NEWS PAGE 11 YOUR HEALTH & SAFETY

Let’s Talk About Your Health . . .

TRS has worked with Coriell Life Sciences to deliver DNA testing for medicines to our members over 65. We ask that all TRS members over 65 call Coriell at 1-888-454- 9024 and request a testing packet. It’s a “spit test”. Spit into the receptacle and mail it back in the provided postage-paid envelope. Don’t worry about your privacy being compromised because DNA Testing through Coriell is privacy protected by HIPPA. Aft er mailing your envelope to Coriell, wait until you receive a phone call from a pharmacist at the Rx Coalition. Th is may take up to a couple of months to get your results. When the Rx Coalition pharmacist calls, they will verify with the member all medicines being taken and the dosages. Please tell the pharmacist any over-the- counter medicines that are being taken. All of this information will be entered into the computer and the result will be whether the medicines being taken are being metabolized correctly. Basically, are the medicines doing what they were intended to do. TRS already has documentation that the DNA testing results have saved the lives of some of our members. If you are over 65 and haven’t done the DNA testing, please call Coriell at 888-454- 9024 and request the kit. Our best asset is our health. Let’s take medicines that will do what they were intended to do. Let’s have quality of life for many years to come. Margaret Head Sims KRTA Co-Chair for Health and Insurance 502-349-0055 or [email protected]

30,000 people fi le their federal and state tax returns, resulting in over $20M in Under 65 refunds. Th is program is off ered at over 60 sites across Kentucky, including senior Insurance October 2019 centers, libraries and other convenient locations. “Go 365” is being Contact: aarpfoundation.org/taxaide or call 1-888-687-2277 Nationwide, AARP Foundation Tax- discontinued. Anyone Aide has grown since its inaugural team with points will have until WE NEED YOU! of just four volunteers in 1968, and AARP FOUNDATION NOW RECRUITING VOLUNTEERS has served over 68 million taxpayers November 30, 2019, to use the FOR TAX-AIDE since its inception. Th e program now points or they will be lost. involves 35,000 volunteers and serves AARP Foundation Tax-Aide is the nation's largest volunteer-run tax preparation service over 2.5 million taxpayers annually at (Continued from “Personally Speaking” Page 2) nearly 5,000 sites nationwide. In 2019 AARP Foundation Tax-Aide has kicked off volunteer recruitment for its Tax-Aide taxpayers who used AARP Foundation Lori Flerlage, KRTA Northern District program, the nation’s largest volunteer-run tax-preparation service. Th e Foundation Tax-Aide received $1.4 billion in income President, said it best in a recent Op- is looking to expand its team of volunteers for the upcoming tax season and is tax refunds and more than $200 million ed in a Grant County newspaper. “Any accepting new volunteers. in Earned Income Tax Credits (EITCs). changes to TRS must proceed in a Tax-Aide off ers free in-person tax preparation and assistance to low- and moderate- Taxpayers do not need to be a member of transparent and trusting way—through income individuals nationwide. Volunteers make a diff erence in their communities AARP or a retiree to use Tax-Aide. facts, not fear. All parties must come by helping taxpayers, and their families, who might otherwise miss out on the tax To learn about our volunteer to the table and work together to fi nd credits and deductions they’ve earned. opportunities, visit aarpfoundation. solutions that protect the retirement Th ere are a variety of volunteer roles, including tax preparers, client facilitators, those org/taxaide or call 1-888-OUR-AARP and health benefi ts we were promised who can provide technical and management assistance, and interpreters. Every level (1-888-687-2277). AARP Foundation while allowing the Commonwealth to of experience is welcome. Volunteer tax preparers complete tax preparation training Tax-Aide is off ered in coordination with remain solvent and competitive and and IRS certifi cation. the IRS. provide a world class education for Kentucky students through its public In Kentucky last year, 470 AARP Foundation Tax-Aide volunteers helped more than Submitted by Becky Klusch Tax-Aide Kentucky PCS schools.” PAGE 12 KRTA NEWS NOVEMBER 2019

Beshear: Mail a ‘Stamp Out Mail Scams’ awareness calls. Last month, Beshear announced Learn More at AARP’s campaign. that 51 attorneys general and 12 phone Free Webinar! Scammers Swindle Campaign posters located in post companies are working together to offi ces across the state help Kentuckians stop illegal and invasive scam calls. A Protecting Your Loved Ones $85,000 in Cash result of the bipartisan, public-private identify, avoid and report common mail from Financial Scams from Seniors scams. Th e tips include: coalition is that the phone companies have agreed to adopt eight principles Th ursday, November 12, 2019 • Never provide personal or fi nancial into their business practices to fi ght 7 p.m. ET/6:00 p.m. CT Crystal Staley or Kenneth Mansfi eld information to an unverifi ed, illegal calls. 502-696-5300 https://ag.ky.gov/ untrusted person. Do you know ways to help keep your Also in August, Beshear doubled aging loved ones from losing money to • Be wary of deals that sound too good 700 Capitol Avenue, Suite down on the successful eff orts with scams and fraud? We’ll share important to be true. 118FrankfortKY40601 phone companies, urging the Federal information that could help you keep • Never send upfront fees using wire Communications Commission to them safe during our free webinar. transfer, gift cards or cash. compel more phone companies to join Uptick in scams targeting seniors Hear about: the fi ght. Beshear supports requiring all reported in Boone, Franklin, Greenup, • Don’t feel scared or pressured to act. • Ways to talk to your loved ones voice service providers to implement a Harlan, Jeff erson counties Take your time and verify. about recognizing potential scams caller ID authentication framework and • Common scams that target older “Under the right conditions, anyone FRANKFORT, Ky. (Sept. 12, 2019)— to provide free, default call-blocking people, including Medicare, Social could fall for a scam," Postal Inspector Following multiple reports of losses programs to customers. Security and online relationship Kyle Erhardt said. "But, if you follow totaling $85,000 in cash, Attorney scams a few practical steps, including using While Beshear works to stop scammers General Andy Beshear has issued a • Ways to identify and avoid robocall caution if you are directed to act and increase scam prevention awareness, scam alert to warn of an uptick in mail scammers quickly when remitting payment or his offi ce helps victims of scams recover scams targeting senior citizens. AARP is here to help you get the are pressured to be discreet about your their losses. Over the past three and a While prepaid debit cards and gift information you need to protect your fi nancial transactions, you can limit half years, the offi ce has returned more cards remain popular for scammers to loved ones from losing money to scams your exposure to fraud victimization than $2.1 million to Kentucky families. use to steal from Kentuckians, Beshear and frauds. Sign up now at this website: and stay fi nancially safe.” said seniors in Boone, Franklin and https://states.aarp.org/do-you- Greenup counties sent $85,000 in cash Erhardt said the USPIS investigates know-about-ways-to-help-protect- to scammers posing as a computer any fraud in which the U.S. mail is your-loved-ones-from-fraud repair technician, a family member in used. USPIS is committed to fi ghting jail and a government offi cial awarding fraud and urges anyone who feels that grants. they have been victimized to report it It’s Not Too Late to Apply immediately to their hotline at 1-877- Beshear said the scammers instructed 876-2455 or website at uspis.gov. For the 2019-20 each victim to send $30,000, $29,000 and $26,000 in cash using FedEx, Beshear said his offi ce’s awareness Community/School Service Project Grant! United Parcel Service (UPS) and campaigns and Scam Alerts program United States Postal Service. Two aim to help Kentuckians combat the KRTA will off er a $50 grant to any local RTA that participates in either of these two other potential victims in Harlan and Federal Trade Commission report projects. Th e one stipulation to receive the grant is that the local RTA must agree to Jeff erson counties reported a scammer that people 70 and older have lost match it with $50 from local RTA funds. Again this year, the local RTA can choose claiming to be a family member $41 million in 2018 to impersonation to use the total amount ($100) on either project or split it between both projects. needing help aft er a car wreck but lost scams compared to $26 million in 2017. An application was mailed out to your local president in June. If you need another no money. One quarter of those reported paying one, or have questions, please call the KRTA offi ce at 1-800-551-7979. scammers in cash, with a median loss of Beshear said his offi ce was able to work $9,000. Th e Community/School Service Projects awarded in 2018-19 resulted in 23,322 with a UPS employee in Ashland to food items being contributed to local community food banks or backpack programs recover one package with $6,000 in Kentuckians victimized by scams are and 2,459 bags of school supplies to schools. cash for the victim in Greenup County. urged to fi le a complaint with Beshear’s offi ce online or by calling 888-432-9257. Th e School Supply Drive project purpose is to encourage KRTA locals to collect “With more mail scams targeting school supplies and deliver them to either their local Family Resource Centers or seniors, it’s a good time to remind To stay up to date on new and trending specifi c local school(s). Th e collection deadline for the 2019-20 year is December Kentuckians to take the time to call and scams Kentuckians can sign up for Scam 31, 2019. Participation in this project earns points for your local RTA on the Local visit your elderly friends and family Alerts. To enroll, text the words KYOAG Recognition Form and is measured by the “number of bags” fi lled with school and talk about scams and how to avoid Scam to GOV311 (468311), or sign up supplies delivered to a local FRC or local school(s). We are not specifying the type them, especially making sure they online at ag.ky.gov/scams and select text of food or the organization which receives the donations locally. It is acceptable to know never to send money,” Beshear message or email alerts. donate money to local food banks and/or backpack programs. said. “As we continue to review these In August, Beshear issued a Scam Alert complaints, we want to thank the UPS to warn of a fake “Deputy Hart” targeting employee in Ashland who had concerns teachers at Kentucky public schools. Th e Keep Your Email about that victim’s package and fl agged scammer called teachers at school and Address Updated it for security.” requested gift card payments to resolve Beshear has made fi ghting relentless alleged legal matters concerning jury Don’t miss our KRTA Express scammers one of his top priorities. He duty. Newsletters and important has fought on many fronts, including Beshear’s offi ce has worked with communications just because working with the United States Postal state and federal partners as well as we don’t have your correct email Inspection Service (USPIS) to help phone carriers recently to implement address! Keep us updated at Kentuckians avoid mail scams through innovative ways to stop scam phone [email protected] NOVEMBER 2019 KRTA NEWS PAGE 13

Graves County RTA Graves County RTA met AROUND THE STATE . . . in May at the First Baptist Church in Mayfi eld for their regular meeting. A program on Health and Insurance was presented E’town Hardin Larue RTA by Margaret Head Sims, KRTA State Co-Chair for Thanks to Nina Health and Insurance. Hutchins for getting Lots of information was presented about the Under 65 KEHP benefi ts and the Over 65 the Retired Teachers MEHP benefi ts. A wonderful meal was served to the members.Philip Forester is president. from Hodgenville Elementary together Hart County RTA for informative Hart County Retired Teachers Association met meetings. in June for their summer meeting. Th e meeting For her July meeting, was held at the Hart County Library. Th is is a she prepared to keep very active group of retirees. A caterer prepared her retirees up-to- the full buff et meal including homemade pies. date on Insurance for the Under 65 KEHP members and for the Over 65 MEHP members. A program on insurance for the Under 65 KEHP A program on Health & Insurance was presented by Margaret Head Sims, KRTA Co-Chair members and for the Over 65 MEHP members for Health and Insurance. New programs available were shared with the members. New was presented by Margaret Head Sims, KRTA green sheets were passed out and explained. State Co-Chair for Health and Insurance. Connie Poynter is President of HCRTA. Marcia Fifth District RTA Witherspoon is District Health and Insurance Chairperson and is a member of the HCRTA. Th e Fift h District Knott County RTA Retired Teachers Association met at the Stratton Center in Shelbyville for their June meeting. Th is group always has a "breakfast spread" ready for their members when they arrive. Th e program for the meeting was on Insurance Benefi ts for the Under 65 retirees and for the Over 65 retirees presented by Margaret Head Sims, KRTA State Co-Chair for Health and Insurance. Emphasis was put on members getting their Wellness Visits done and called into United Healthcare to get their $50 gift card. Knott County Retired Teachers met on August 6 to put together 70 "Back to School" bags Garrard County RTA for new and experienced teachers in Knott County. Garrard County RTA delivered school supplies Logan County RTA to Angie Wagoner, Family Resource Director. Th e Logan County Retired Teachers met in July for their regular summer meeting. Th e meeting was held at the Crittenden Drive Church of Christ in Russellville. The Garrard County Retired Teachers are committed to giving At this meeting, the members brought in bags of school supplies to help the children get a back to their community. It has been a pleasure to work with good start back to school. At each meeting, all members bring Angie Wagoner and the Family Resource Center these past years items to donate. and witness the many ways in which her work has had a positive infl uence on the students of Garrard County. Logan County RTA has a caterer prepare meals for all their meetings. She prepared a buff et meal and for this meeting, The Family Resource Center and their work is making life a she made three kinds of homemade ice cream for the dessert. little better for children in need in Garrard County. Thank you The program was on insurance and partner benefits and KRTA for the $50 grant to help with this wonderful project. was given by Margaret Head Sims, KRTA State Co-Chair for Health and Insurance. New green sheets were passed out and

explained. Glasgow Barren County RTA Outgoing President Tom Th ompson was thanked for his service to the LCRTA. Th e new Officers for 2019-2020 President for the Logan County RTA is Marshall Kemp. were elected and installed at the June meeting of the Menifee County RTA Glasgow/Barren County These are the 2019-20 MCRT offi cers. L to R are Richard Ratliff, Legislative Chairperson; RTA. Nancy Wells, Treasurer; Glenna Adams, Vice President; Elaine Brown, President; Pam Davis, Shown here, left to Health and Insurance right: Glenn Byrd, past Chairperson; Dennis president; Tommy Elliott, Davis, Health president; Cindy Wilson, and Insurance secretary; and Ruby Chairperson; and Edwards, treasurer. Gail Elizabeth Mattox, Bunch is the membership Special Programs. chairman (not pictured). PAGE 14 KRTA NEWS NOVEMBER 2019 Madison County RTA Pike County RTA

Margaret Sims, KRTA Health, PCRTA delivered back pack and school supplies to three Wellness and Insurance Co-Chair, schools in Pike County. The schools were: Belfry Elementary (back pack spoke to the Madison Co. RTA. supplies), Belfry High (school supplies) and Bevins Th eir offi cers are Beth Jones, Joyce Elementary (back pack supplies). Mosher, Janice Barton Susan Gay The names of the persons in the pictures are: Taylor, Lawrence Bailey, Judy Baugh, Belfry Elementary - Eugenia Whitt & Mary AliceHunt President. Th ey all presented reports Belfry High - Pat May & Mary Alice Hunt to the membership aft er the lunch Bevins Elementary - Sandy Harrison & catered at the Richmond Library. Mary Alice Hunt

Mercer County RTA

Emma Jean Tamme, President of Mercer County RTA, and Marsha Durr, Membership Chairman, hosted a table at Mercer County Schools Opening Day Vendor Fair. Third District RTA Northern District RTA

Our annual special Northern District During the Th ird District Fall Workshop, Membership Tim Abrams, Executive Director of KRTA, Workshop. We had presented the past presidents’ pin to 3 new retirees step Romanza Johnson. up to the plate for Leadership! Janet Mrs. Johnson served as KRTA President Soder, Boone County in 2017- 2018. Her theme was “Racing is the Northern Forward with KRTA in Kentucky.” District Membership Chair, while Lori Flerlage is the District President. For the past several years this District has worked together on District and State Membership, as well as Local Membership, cross-checking county lists in search of members Webster County RTA who are on their list as living in said county, but taught in either a diff erent county, or in an independent school district or university within a county. Each year this district receives The WCRTA , in cooperation with the various membership awards at the State KRTA Convention due to this aspect of teamwork! Webster County Food Bank, contributed Other Districts who might be interested in this special type of District Membership Workshop a half truck load of canned food to the should Contact Debby Murrell, State Co-Chair Membership/Pre-Retirement. Webster County High participation in the WFIE Channel 14 Food Drive Paducah/McCracken RTA competition. This WCRTA program is part of the "Yes! We Can Feed Kentucky!” Charlotte Benton, local RTA president, welcomed guests and drive sponsored by the Kentucky Retired Teachers Association. retirees to the Paducah McCracken County Retired Teachers l. to r., Pauletta Yarbrough - WCRTA President, Chip Palmer - Association annul potluck meeting September 5 at First Christian Director of the Webster County Food Bank, and Janice Gillaspie Church. Guest speaker was Beau Barnes, Deputy Executive - Chair of the WCRTA Food Drive Director of Teachers Retirement System of Kentucky who spoke Students helping to unload food are Zaine Geary, Rodney David, about the fi nancial status, accounting principles and fi nancial and a third unknown helper. documents of the TRS of KY system. Also in attendance were Representatives and , as well as Senator Danny Carroll. Wolfe County RTA Pendleton County RTA Th e May meeting of the Wolfe County Retired Teachers Association was held at the Methodist The regular June Church in Compton. meeting of the Pendleton Program for the meeting was on the Under 65 KEHP insurance benefi ts and on the County Retired Over 65 MEHP insurance benefi ts. Teachers Association Members were quite interested in was held at the Trinity what their benefits have to offer Southern Baptist them. It was emphasized for the Church in Falmouth. Over 65 to get their DNA testing Th e Grandparent Essay done. Margaret Head Sims, KRTA winner read their essay as part of their business meeting. Margaret Head Sims, KRTA State Co-Chair for Health and Insurance Co-Chair for Health and Insurance, presented information on the benefi ts of the Under 65 gave the program. KEHP insurance and on the benefi ts of the Over 65 MEHP insurance. Members prepared the meal for the Former Superintendent Strong has always been very supportive of the retired teachers and group. Wolfe County has some good now is retired and active in the PCRTA as their Legislative Chairperson. Let's make this a cooks and a very good membership. challenge to all retired teacher associations in the state to better involve their superintendents, Bernice Elam is President of the both active and retired, in the business meetings of the retired teachers. Wolfe County RTA. NOVEMBER 2019 KRTA NEWS PAGE 15 FOR YOUR INFORMATION KRTA OFFICE uips, Quotes & Puzzles 800.551.7979 ~ 502.231.5802 Q [email protected] (e-mail) www.krta.org (website) Th is poem was written by J. Morgan Chapman of Pikeville in the Big Sandy KRTA LEGALINE District. He said, “I hope it may inspire other teachers and their students to 800.232.1090 let some teacher they had in the past know how much they appreciate the [email protected] many contributions they have made to infl uence their world for the better.” Rebecca Murrell Louisville, Kentucky Mr. Chapman devoted 30 years of his life to this most noble profession all KRTA FINANCE & INVESTMENT INFO Hank Hensley 800.927.0030 because his seventh-grade teacher cared enough to inspire in him the love of DELTA DENTAL/VSP INSURANCE learning and the desire to help others learn as well. 800.955.2030 or www.deltadentalky.com/KRTA AVESIS KRTA VISION PLAN You Made A Diff erence Enrollment 800.466.5182 ~ Provider Questions 800.828.9341 www.avesis.com June 20, 2017 BAY ALARM MEDICAL You’re someone who had a lot to do with how my life turned out, 877.522.9633 www.bayalarmmedical.com/krta For much of my success today, I owe to you, no doubt; FIRST CHOICE PROTECTION Home Protection 502.709.5645 www.1stchoiceprotection.com I owe you a debt of gratitude that till now I’ve left unpaid, AUTOMOBILE & HOMEOWNERS INSURANCE So, let me tell you here and now what a diff erence you have made. Liberty Mutual Insurance Company In the early years of childhood, my parents did their part, 888.504.0156 ext. 51690 or 502.710.0553 To build the framework of my mind that would provide a place to start; HEARING INSTRUMENT PLANS Th at you could use what was in your head, in your heart and in your hands, Hear in America To open the doors of knowledge in a world so wide and grand. 800.286.6149 or www.hearinamerica.com Heuser Hearing Institute Many of the facts I learned, I’ve forgotten or never used, 800.912.9981 or https://thehearinginstitute.org But the love of learning you instilled, I’m sure I’ll never lose; TEACHERS’ RETIREMENT SYSTEM OF KY God blessed me with a fertile mind, and the intelligence He knew I’d need. 800.618.1687 or www.trs.ky.gov But you sowed with patience in that fertile fi eld the precious golden seed. COMMONWEALTH CREDIT UNION 800.228.6420 / 502-564-4775 or www.ccuky.org You taught me how to read and write, math, science and history, too, COMFORT KEEPERS I learned to appreciate the art, and the music, both old and new; 866.676.9888 or www.comfortkeepers.com You’re the fi rst who read the Bible and I loved to hear you pray, HOME INSTEAD SENIOR CARE And I learned to love my country as we pledged the fl ag each day. 866.886.6831 or www.homeinstead.com HOME HELPERS HOME CARE You taught me to respect you, and to behave the way I should, 800.216.4196 or www.homehelpershomecare.com To obey the rules of right and wrong, to shun the bad and love the good; NORTH AMERICAN LIFE PLANS including LifeLock To treat all others the way that I would want it done to me, 888.362.1214 or 502-553-7630 And how to play with fairness, for that’s how it ought to be. www.krtabenefi ts.com You showed no respect of person, you loved the poor and rich as well, TRAVEL You didn’t give up hope with us, even when we tried and failed; Air Land Sea Travel LLC. 502.873-5610 or [email protected] HEALTH INSURANCE You encouraged us to keep trying and learn from our mistakes, 65+ (MEHP) United Healthcare 844-518-5877 And rejoiced with us when we got it right, however long it takes. Express Scripts 877-866-5834 Well, I could go on and on, to pay the honor you deserve today, KYRx Coalition 855-218-5979 Edumedics 855-210-8514 But these few words cannot express, what I’d really like to say; Silver Sneakers for MEHP 888-423-4632 Because you were my teacher, I will tell you what is true, Under 65 (KEHP) Anthem BCBS 844-402-KEHP You were such an inspiration, that I became a teacher, too. CVS Caremark 866-601-6934 KEHP 888.581.8834

ORDER FORM KRTA MEMBERSHIP PIN KRTA License Plates and Decals Please send ______pins @ $3.50 each to Now Available ______Enclosed is the check in the amount of $______. Send completed Order Form to: KRTA License plate is $10 + postage. Window decal is $3 + postage. 7505 Bardstown Road To order license plate or decal, contact the KRTA offi ce Louisville, KY 40291-3234 by email at [email protected] or call 502-231-5802. PAGE 16 KRTA NEWS NOVEMBER 2019 Deceased Retired Teachers MAY, JUNE, JULY, AUGUST 2019 “. . .these immortal dead who live again in minds made better by their presence . . .”

ADAIR CO David Crockett CLAY CO Dorothy Alexander Carolyn Richardson Ernest Taylor ROCKCASTLE CO Ruby Keltner Joe Riggins Louise Hensley Kathleen Givens Harry Savells Sr Stella Vandyke Sherman Hill ALLEN BUTLER CO Mary Isom Peggy Mays Maxine Stickler MARSHALL CO Barbara Rader Carolyn Cunningham Robert Burden Clara Sibert HENRY CO Donald Vanfl eet Katie Conder ROWAN CO ANDERSON CO Constance Daugherty Rebecca Sumner Martha Simpson JESSAMINE CO Cynthia Grubbs Joe Copeland Ross Mills CALLOWAY CO Moner Kalla HICKMAN CO Lela Bishop Marilyn Metzger Claudia Hicks William Mounts Roy Helton Jr Jerome Krueger Joanne Cloar Bruce Hoagland Bobby Miller Glenn Johnston BARREN CO Robert McGaughey III Michael Luscher HOPKINS CO June Lowry Carolyn Robichaud Freda Kilburn Clarence Ramsey Jr Jacob Muehleman Robert Mania jr Patricia Fox Nellie Rogers Joe Wilson RUSSELL CO Roxie Smith Nancy Royalty Kenneth Miller Pamela France Robert Sidebottom MARTIN CO Eliza Garner BATH Joanna Wilder Robert Pullen Bob Moore James Wyrick Virginia Hardin SHELBY CO Charlene Clemons Clift on Lemons Lawrence Stamper JACKSON CO KENTON CO MASON CO Lequita Cowherd BELL CO CAMPBELL CO John Wilson Danny Scalf Barbara Curry Barbara Verville Dorothy Craig Maeona Combs Lois Bergmann Gwen Buffi ngton JEFFERSON CO Grover Holbrook MCCRACKEN CO William Detwiler Ella King Darrell Dennis Rebecca Cunningham Kenneth Arnold Mary Lohre Harland Brazier Beatrice Montgomery Nevada Partin Sarah Herald GARRARD CO Russell Bardin Roy Lucas Peggy Conyer SIMPSON CO Magnolia Quillen Franklin Shepherd Mollie Henderson Betty Barnes Janice Miles Linda Long Mary Mathews Charles Sprinkles Dan Sullivan GRAVES CO Rosemary Barton Rebecca Moening Gladys Shelby Roy Mellott BOONE CO Rosemary Turner Richard Adams William Bodine Judith New James West TAYLOR CO Linda Biddle CARLISLE CO Carolyn Bruce Patricia Darnell Lynne Noll Patsy Harris William Hedrick Alice Bowen Amelia Neville GRAYSON CO Elizabeth Dixon Mary Ringo Anne Penny Helen Hogg Lois Edmondson CARROLL CO Judy Dawson Billy Doyle Aurelia Scott Gerald Wells Fred Waddle Charles Hinds Robert May Deborah Duke Maxie England David Broerman MCCREARY CO TRIMBLE CO Ervin Perry CARTER CO Larry Lee Elizabeth Enlow Eloise Eads Cora Wilson Julian Marsh Mary Schmidt Phyllis Cook GREEN CO Billie Ferrell Rita Freiermuth MCLEAN CO Dorothy Smithson Annie Th ompson Dianne Harris Gary Ervin Mary Fox KNOTT CO Sandra Mize UNION CO Kathleen Wiley Ralph Newman GREENUP CO Eva Frazier Wilma Gayheart Herbert Smith Dinah Devers Charles Wolfe William Plummer Virgil Adkins Wanda Garriott KNOX CO MERCER CO WARREN CO BOYD CO David Towler Marsha Martin Beverly Gass Peggy Lewis Glen Graves Sallye Clark Betty Blankenship CASEY CO Joseph Skaggs Edward Green LARUE CO Julie Lister Darryl Drake Deborah Gould Th omas Price HARDIN CO Noel Harris Hubert McMasters Judy Sutter Wayne Hobbs William Hawk Maxine Roy Ann Caspar Helene Hart Paula Setters Rita Ulshafer Roy Howsen Gregory Sallie CHRISTIAN CO Vincent Hancock David Holton LAUREL CO MONROE CO Louise Branham Louise Taylor Linda Joiner Oliver Hawkins Sue Hull Larry Smith Jackie Ferguson Joseph Browning Lydia Morgan Charlotte Jones Betty Helm Peggy Kasdan LESLIE CO MONTGOMERY CO Glenna Burton Martha Pack Victoria Sisk Lucille Hines Esther Klaphaak Morgan Mary Bach Faye Carroll BREATHITT CO CLARK CO Ronald Sallengs David Loran Jr Evelyn Muncy Danny Berryman Linda Cowles Carl McIntosh Vicki Brashear Ray Vencill Jr Elizabeth Lyons LETCHER CO Dorothy Young Lucille Hoagland BRECKINRIDGE Paula Hill HARLAN CO Nina Martin Opal Bentley MUHLENBERG CO Alois Jones Rebecca Curry Janet Johnson Margaret Johnson Wilmitch Maupin Olga Caudill Vrylena Gish Terry Jones BULLITT CO Cathy Martin Omeda Holbrook Larry McCallon Henry Frazier NELSON CO Linda Kerr Raymon Cope Frances Paynter Joy Miller Donna McCune Shirley Whitaker Bobby Chowning Donita Lashley Catherine Metcalf Alfreta Watts Luther McDowell Jr Reeda Wright Donna Greathouse Hoover Neel William Powell Jr HENDERSON CO Jennifer Minturn LEWIS CO Rebekah Hood Betty Smith Jayne Morgenthal Ruthard Richmond Arnetha Parrigin Charles Smith KRTA STAFF Rae Moss Edward Taylor OHIO CO Norris Th omas Kentucky Retired Teachers Assn. Nancy Mouser Edna Bartlett Linda Hines Jerry Wilder Tim Abrams 7505 Bardstown Road Executive Director Joyce Norman LINCOLN CO OLDHAM CO WASHINGTON CO Louisville, KY 40291-3234 Todd Obanion Lucille Skaggs Th omas Monroe 502-231-5802 Helen Haynes Janie Caslowe Arlene Pfaff Leslie Williams WAYNE CO 1-800-551-7979 LYON CO Deputy Executive Director Donald Pope James Hill Jacqueline Hay 502-231-0686 (fax) Mary Dulaney Jan Abrams [email protected] (e-mail) Carolyn Popplewell MADISON CO OWEN CO WEBSTER CO Special Events Coordinator www.krta.org (web site) Carol Rice Yvonda Center Sue Wade Sandra Jackson Emily Carey Mildred Rueff OWSLEY CO WHITLEY CO OFFICE HOURS Geraldine Conder office manager Barbara Sabak Martha Turner Wanda Freeman mon.- fri. 8:30 am - 4:00 pm Clay Harmon Jr Betty Hester Patricia Sauer Stephen Loy PERRY CO Otis Cordell Database Administrator KRTA OFFICERS Shirlee Smith Gwendolyn McChesney Earlis Th ornsberry Hamp Higginbotham Terese Stewart Anne Watkins Archie Hill Charlotte Lindley Harold Wilson, president Frank Nassida Frances Stratton Wilma Moore Wanda Lake Receptionist Sue Ellen Caldwell, president-elect Joan Schmitke Charles Summers PIKE CO John Sizemore Bill Kelley, vice-president Lana Vaughn Shirley Dick Wolf, past president Lovie Th rasher Frieda Looney Ruth Bumgardner WOODFORD CO Freddie Turner MAGOFFIN CO Hessie Charles Robert Burkich Margaret Walker Pamela Arnett Ruby Hill Rita Lauderdale KRTA NEWS Kathryn Whitworth Constance Wireman Margaret Miller KRTA NEWS Express Jerri Baumberger Roger Sykes Brenda Meredith, Editor Alice Brutscher PULASKI CO [email protected] MARION CO Reba Ellison Patricia Hummel Lowell Wilson Ann Pulliam