A QUARTERLY PUBLICATION Kentucky Retired Teachers Association Serving Retired Teachers Since 1957 VOLUME XLVI, NUMBER 1 LOUISVILLE, KENTUCKY SEPTEMBER 2011

Gubernatorial Candidates Answer KRTA’s Questions How do candidates for Kentucky Governor stand on issues important to retired teachers? In order to better inform the membership, KRTA asked the candidates for the race for Governor of Kentucky to express their views on certain issues important to retired Governor Steve Beshear Senator David Williams Mr. Gatewood Galbraith educators. Questions Democratic Candidate Republican Candidate Independent Candidate and their responses begin on page 4

KY IN THIS ISSUE . . .

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572

STD KRTA OFFICERS & EXECUTIVE COUNCIL . . . . 8 Gubernatorial Candidates ...... 1

PERSONALLY SPEAKING DISTRICT & LOCAL PRESIDENTS ...... 8

POSTAGE

. . P A I A D P

S From the Executive Director ...... 2 AROUND THE STATE

PRSRT

. PERMIT

U Bullitt County RTA ...... 13 LOUISVILLE KRTA: Does It Have Value? Social Security & Pension Watch Grayson County RTA ...... 13 A MESSAGE FROM THE PRESIDENT ...... 2 Metcalfe County RTA ...... 13 Volunteers—KRTA’s Foundation! Taylor County RTA ...... 13 FOR YOUR HEALTH & SAFETY KTRS Retirement Seminar Schedule ...... 13 Keep Your Brain Sharp ...... 3 MISCELLANEOUS INFO Long Term Care Insurance ...... 5 Learning From the Past ...... 14 ELECTION 2011...... 4 2011 Fall Workshops Schedule ...... 14 Candidates Respond to KRTA’s Questions FOR YOUR INFORMATION ...... 15

KRTA PARTNERS KRTA Membership Pin Order Form ...... 15 PUBLICATION North American Life QUIPS, QUOTES & PUZZLES ...... 15 30 Uses of Life Insurance ...... 6 DECEASED RETIRED TEACHERS ...... 16

Liberty Mutual

QUARTERLY

A Fall Fix Ups...... 6 Kentucky Teachers’ Retirement System DB Group . . . Impact on States’ Economy ...... 11 KRTA Legaline Background Checks for Elder Care Workers . . . . . 11 Kentucky Retired Teachers Association Teachers Retired Kentucky Finance & Investment Line How Grandparents Can Help With College...... 12 KRTA STANDING COMMITTEES FALL WORKSHOP COMING TO

Legislative, Membership, Health & Insurance. . . . 7 YOUR DISTRICT See Page 14

Louisville, Kentucky 40291-3234 Kentucky Louisville, 7505 Bardstown Road Bardstown 7505 PAGE 2 KRTA NEWS SEPTEMBER 2011

PERSONALLY SPEAKING . . . Social Security News & Pension Watch Social Security News “The disruption that would likely occur for these public jurisdictions and their KRTA: Does It Have Value? A Coalition to Preserve Retirement workers seems a high price to pay Security (CPRS) board member testifi ed for adding an estimated two years of What does KRTA really mean to you? before Congress in June 2011. He said solvency to the Social Security program,” Does it have signifi cant value? Do that requiring all public employees to Lee said, referring to a Government you believe there should exist a close participate in Social Security “would Accountability Office report on the Bob Wagoner relationship between every retired create signifi cant new cost pressures for effect that state and local participation teacher and KRTA? Did you receive the affected state and local government would have on Social Security. “It is Executive Director an increase in your annuity payment in jurisdictions while providing only estimated that mandatory Social Security July of this year? Did it ever occur to minimal benefi t to the program,” a CPRS coverage would cost the affected states you how these increases happen? representative told Congress. and localities $44 billion over 5 years. As you know, our goal is to increase This additional fi nancial burden—which Tim Lee, the executive director of the our membership to 28,500 in 2011-12. Currently, there are approximately 39,000 will impact all 50 states to one degree or Texas Retired Teachers Association, retired teachers in Kentucky, and about 67 percent (27,000) belong to our association. another—could be an insurmountable spoke on behalf of CPRS at a June 23, KRTA is vitally important to every retired teacher in Kentucky if we are to have an budgetary hurdle particularly during 2011, hearing of the House Ways and effective infl uence with Kentucky’s elected lawmakers. these very diffi cult days of huge revenue Means Committee’s Social Security shortfalls hitting virtually every state.” If you know a retired teacher who is not a KRTA member, let me urge you to contact Subcommittee. that person and ask them to join. Remind them that the annual dues of $20 are Lee also stressed that most public perhaps the most profi table investment they can make toward providing for their The hearing focused on Social Security’s pension plans are not facing a fi nancial own well being. fi nances and one proposal that has been crisis, a specter that is raised by some offered at times to partially improve Every retired teacher in Kentucky will receive as much or more increase in their proponents of requiring state and local the program’s fi nancial condition. This annuity in one month during the 2010-2012 biennium than is required to pay their employees to join Social Security. proposal would require all newly-hired annual membership. This is a good investment. Make no mistake about it, our state and local workers to participate in strength and infl uence with Kentucky lawmakers depends in a large part on our The hearing’s five other witnesses Social Security. The 2010 presidential KRTA membership numbers. Each time the General Assembly goes into session generally focused on broader Social commission on reducing the deficit we must present a solid front. Security financing issues. Although endorsed this proposal. Lee, a member Stephen Goss, chief actuary for the KRTA is made up of dedicated people—many of whom give of their time and talents of the CPRS Board of Directors, noted Social Security Administration, did note, to promote and strengthen KRTA. Therefore, it is incumbent on every retired teacher that the improvement to Social Security’s without comment, in his prepared remarks in Kentucky to identify with KRTA. fi nancial outlook would be minimal and that requiring all public employees hired that the additional costs that the measure Presently, our annual fall workshops are underway. Each year district and local in 2020 or later to participate in Social would impose on public employers association offi cers, committee chairpersons, and interested KRTA members are Security would eliminate seven percent “would almost certainly result in cutbacks invited to attend these workshops in all 14 districts. During these workshops, KRTA of the program’s projected 75-year to their existing defi ned benefi t plans, cuts Membership, Health & Insurance, and Legislative committee co-chairs report on shortfall. in government services and/or increases their committee’s current initiatives. Additionally, KTRS staff give a comprehensive in taxes or fees to absorb the added costs.” update about our retirement system’s many aspects. (Continue on page 13) (Continue on page 3)

It is with a great deal of honor and How many historical societies, Meals on pride that I begin my year of service to Wheels, sesquicentennial committees, KRTA and its 27,000+ members. My Relay for Life groups, Neighborhood PRESIDENT’S MESSAGE . . . philosophy of leadership reflects my Watch groups, Boy Scout Troops, Cub belief that for KRTA to be successful, we Scout Troops, Girl Scout Troops, Sunday Volunteers—KRTA’s Foundation must support the needs of our members. School classes, Church choirs, to name KRTA has been doing this since 1957 a few, would be non-existent without through strong leadership and service our volunteers? Th e tireless eff ort and Who is N. O. Kimbler? What signifi cance provided by a few paid, full- and part- the time donated by volunteers are to be did he play in our retirement? How and time individuals and many dedicated especially appreciated. Th eir dedication why are scholarships in his name provided volunteers. Th is year my special emphasis helps make our daily lives more complete to 16 Community and Technical Colleges will be placed on what I believe to be the and satisfying. across the state of Kentucky? Th e answers foundation of KRTA—its volunteers. Our to these questions and more will be I eagerly anticipate your invitations to membership is certainly the lifeblood of provided at the KRTA workshop held in speak through calls, cards, letters, or the organization. Our numbers send out your district. When and where will your e-mail which might allow me to serve a message to legislators that the objectives 2011 KRTA Workshop be held? See page you. I look forward to visiting each of KRTA are strongly supported. Th e 14 for the schedule. KRTA committee district during my 2011-2012 year of individuals who step forward and accept members have prepared presentations service. the leadership positions at the state, in the areas of Membership, Health & district and local levels are volunteers Please don’t forget to carry a WHITE Insurance and Legislation. Th ey will drawn from our continually growing CARD (automatic dues deduction card) provide information that will reinforce membership. Volunteers step up each year at all times. You never know when you the appreciation you have in the benefi ts Edwin S. Cook III to accept program challenges established will talk with a retired teacher who just that we receive as a result of their 2011-12 KRTA President by their local and civic organizations. hasn’t had time to enroll. volunteer hours. SEPTEMBER 2011 KRTA NEWS PAGE 3

Exercise of the brain is as impor tant as exercise of the muscles. As we grow older, it’s important that we keep mentally alert. The saying, “If you don’t use it, you’ll lose it.,” applies especially to the brain. FOR YOUR HEALTH & SAFETY Therefore, use your brains constantly and effectively as you age, KEEP LEARNING—STAY SHARP!

Our next column will cover How DO you engage your brain and keep your mind sharp?

Th is series of articles is reprinted with permission from the Wisconsin Meet Mary—An Author Retired Educators’ Association (WREA) and Mary Sorensen, author. and Facilitator Who Practices What She Teaches! (Continue from “Social Security & Pension Watch” page 2) Mary Sorensen recently completed three years of exten- Pension News. The forces which lost the battle to provide Social sive research on the brain and learning styles with a Security as part of the New Deal and Medicare as part of the Great focus on older adult learning. She has been pub lished in Society are back attempting to reduce the retirement security that national education journals and has presented at more than 50 state, national, and international conferences. She Kentucky educators and all seniors have fought to achieve during holds bachelor’s and master’s degrees and is a Wisconsin the past 75 years. Mary Sorensen Technical College System certifi cation instructor. She has At both the federal and state levels, the theme is the same. It is a theme enjoyed a 45-year career in education, teaching in high that businesses should not be responsible for providing retirement schools and colleges. She retired as Associate Dean from Milwaukee Area Technical College and security for their workers; that government should not be responsible remains active as an online and certifi cation instructor. Sorensen is a Wisconsin Retired Educators’ Association member and the current president of the Milwaukee Area Technical College Retirees for providing retirement security for citizens. Instead, individuals Association, one of WREA’s 72 units. should be expected to provide for their own retirement security and if they cannot, then they will be left to family and charity just like Keep Your Brain Sharp before 1932. Th e fi rst in a series of guest articles by Mary Sorensen There is dignity in work, both by public and private employees. The dignity provided to workers should extend not only during the Let’s start with good news for our aging brains. time of their employment, but also to the time of their retirement. In 1998 Dr. Fred Gage of the Salk Institute confi rmed that NEW BRAIN CELLS can be generated in Individuals who have been productive citizens—be it working for adult humans ages 55-85. According to Michael Merzenich from the University of California, “the wages or working without wages such as raising children or providing aging brain continues to have remarkable ability to grow, adapt, and change patterns of connections assistance to others—should be recognized with retirement security. even as it ages.” You may actually ENHANCE your brain’s ABILITY and POWER! In Kentucky, there are continuing attacks on retirement security for Studies have shown that people who tend to age successfully, share certain characteristics and both public and private employees. The attacks started on private activities that may help keep them sharp. Keeping Your Brain Sharp rests on four legs: employees with a stripping of most guaranteed secure retirement benefi ts and instead, transferring from the employer to the retiree the • Exercise risk of ensuring retirement security. In private employment, that risk • Good (proper) Nutrition transfer has been successful in creating a loss of retirement security. • Brain Exercise—new ways to work the brain Almost 80 percent of private sector employees worry about their • Lowering STRESS Levels retirement security. It was amazing to me that none of the above are really very diffi cult to achieve, and yet how oft en Now that same risk transfer is being proposed for public employees we ignore them! that will put us at the mercy of Wall Street. Defi ned Contribution Surprisingly, too much stress can actually KILL neurons in our brain and thereby impact our brain’s (DC) plans that are being proposed for public employees across the abilities. What does that tell us about letting our stress levels get out of hand? Continued learning country will not provide security. Instead they will reduce security and educational pursuits are associated with mental sharpness among older persons, possibly and transfer funding retirement adequacy to the employee. because continued learning creates a neural reserve of denser, stronger nerve-cell connections. At the federal level the attack on retirement security has started in Fur ther, a sense of control over our lives—believing that what we do makes a diff erence—seems to the House of Representatives. The House’s Budget Committee is prevent cognitive decline for reasons that are unclear. For more information on this, go to website proposing to radically change the contract with seniors for retirees’ http://www.aarp.org/health/brain. health care. The “Medicare Promise” with seniors would be broken, Oft en what may seem like a faltering memory may actually be a decline in the rate at which we if enacted, by a recent House of Representatives’ Budget Resolution. learn and store new information. Practice the memory skills below to enhance learning and to This resolution gives the federal government the ability to continue help make remem bering easier: to cut retire health care security and break the promise to seniors. • Relax: managing stress improves memory. At the end of the day, the hope is that the federal government, the • Concentrate: if you want to recall something later, pay attention. House of Representatives, the United States Senate, and the President • Slow down. will recognize that there can be no retirement security without health • Focus: try to reduce distractions. care cost security. • Organize: keep important items in a designated place that is visible and easily accessed. Regular updates concerning Social Security and Pension issues will • Write it down. appear in each issue of the KRTA News. Look for them. • Repeat it: repetition improves recall. • Visualize it. PAGE 4 KRTA NEWS SEPTEMBER 2011

ELECTION 2011 . . . K R T A Gubernatorial Questionnaire

1. Th e Kentucky Teachers’ Retirement System (KTRS) has a record of 73 legislation proposed by Senate Republicans that would have cost taxpayers years of successful management under a Board of Trustees elected by the nearly $8 billion over the next 15 years. I will continue to oppose such legislation members. As governor, will you support continuing this form of governance and do all I can to see to it that Kentucky makes good on its promises made to of the Retirement System? Please explain your response. teachers, and ensure that their pensions are protected. BESHEAR: It is critical that the Kentucky Teachers’ Retirement System has GALBRAITH: Our Administration supports keeping KTRS as a Defi ned qualifi ed and eff ective leadership, free from the infl uence of politics. At this time, Benefi t Group Retirement Plan. Th is is necessary to attract and retain the I do not see any need to change the current form of governance. most qualifi ed Teachers who, by law, cannot receive Social Security. GALBRAITH: Yes, our Administration will support the continued WILLIAMS: I disagree with some of the assertions in your question, but I management of the KTRS by that Board of Trustees elected by its members. do believe teachers should continue in their current defi ned benefi t plan since Th is insures accountability and responsibility by the benefi ciaries themselves. teachers do not participate in Social Security and are discriminated against in It would be a mistake to put it into the hands of another entity which did not drawing Social Security on other earnings have a personal stake in the outcome. 4. Maintaining the KTRS medical insurance fund per HB 540 (passed in WILLIAMS: Yes, I support the current governance structure. the 2010 Regular General Assembly) is essential to the fi nancial well being of Kentucky’s retired teachers. As governor, will you provide the required 2. Retired teachers as well as active teachers are deeply concerned that the funding of the KTRS medical insurance fund as stipulated in HB 540? Please Retirement System remains fi nancially sound so that present and future explain your response. amenities are guaranteed. As governor, will you include in the Executive Budget each biennium the funds needed to fully meet the state’s statutory BESHEAR: As governor, I was proud to sign HB 540 into law, ensuring that obligations and recommendations of the system’s actuary? Please explain Kentucky’s retired teachers, as well as active teachers once they retire, will your response. continue to receive health benefi ts. And earlier this year, I vetoed language in the legislation passed during the special session that would have restricted the BESHEAR: My record on funding the employer contribution from the state’s ability to fully implement and properly manage health insurance programs Commonwealth for the Kentucky Teachers’ Retirement System is clear. Despite for our retired teachers. nine budget reductions totaling over a billion dollars over the last three and one-half years, no reductions have been made to the state contributions to the Pension and medical benefi ts are critical tools for recruiting and keeping the KTRS. Every budget recommendation I have made has funded the recommended best teachers in our state, and I will continue to do what I can to protect their contributions. integrity. Despite nine budget reductions totaling over a billion dollars over the last three and one-half years, no reductions have been made to the state In addition, in 2010 my Executive Budget recommended that the Commonwealth contributions to the KTRS. Every budget recommendation I have made has issue bonds to pay the accrued liability to the Pension Fund that resulted from funded the recommended contributions. borrowing to pay medical benefi ts within the KTRS. Th e General Assembly agreed with my recommendation and the bonds have been issued, totaling In addition, in 2010 my Executive Budget recommended that the Commonwealth $733.8 million. issue bonds to pay the accrued liability to the Pension Fund that resulted from borrowing to pay medical benefi ts within the KTRS. Th e General Assembly As we approach the next biennial budget, while improving, the economy is agreed with my recommendation and the bonds have been issued, totaling still struggling. However, my priorities have not changed. I will continue to $733.8 million. protect education funding, including the required contributions that help fund the pensions and health benefi ts for our children’s teachers, past and present. As we approach the next biennial budget, while improving, the economy is still struggling. However, my priorities have not changed. I will continue to protect GALBRAITH: Yes, we are pledged to fully fi nd all of the Commonwealth’s education funding, including the required contributions that help fund the statutory obligations, including the Teacher’s retirement, state employee’s pensions and health benefi ts for our children’s teachers, past and present retirement and Medicaid among others. Please see our pledges at www. Gatewood.com. GALBRAITH: Our Administration is totally committed to fully fund our Teacher’s medical insurance fund. Why? Because it is our duty to follow the WILLIAMS: I will work with the system and its actuary to meet the obligations law and the right thing to do. It is what we have promised. we have to protect our teachers and retirees. WILLIAMS: I have been a leader in assuring re-payments of medical 3. Defi ned Benefi t (DB) retirement plans are more effi cient than Defi ned insurance costs into the pension side of KTRS and I will continue to see that Contribution (DC) savings accounts because: (A) DB plans earn higher teachers are equitably treated. investment returns due to professional asset management and lower costs compared to individual DC accounts; (B) over a person’s career, DC plan 5. Th e KTRS Board of Trustees employs experienced, competent investment costs are about 26 % higher than a DB plan; (C) DB pay benefi ts for a retiree’s consultants on all matters pertaining to its investments and its fi duciary lifetime and prevents the person running out of money if they live beyond responsibilities. As governor, will you vigorously counter all eff orts to take a normal life expectancy; and (D) DB plans provide retirement security for fi duciary decisions away from the KTRS Board of Trustees? Please explain much less cost than DC savings accounts. As governor, will you support your response. keeping KTRS as a Defi ned Benefi t Group Retirement Plan? Please explain BESHEAR: In 2009, my bipartisan Public Pension Working Group submitted your response. recommendations to improve investment returns for Kentucky’s pension BESHEAR: During the 2011 Legislative Session, I opposed defi ned-contribution funds. Many of these suggested reforms were adopted by the KTRS Board SEPTEMBER 2011 KRTA NEWS PAGE 5 of Trustees. Th e recommendations included adding four investment experts to the investment committee and requiring public pension board members to receive continuing education on current investment practices. Th ese and other changes to how KTRS governs ensure our retired teachers receive the benefi ts they deserve and a more effi cient use of taxpayer dollars. GALBRAITH: Our Administration will vigorously resist any eff ort to take away fi duciary decisions from the KTRS Board of Trustees. Th e Board members are duly elected representatives of those very persons who are aff ected by their actions. Th is insures they are directly accountable for their actions. Plus, we do not believe that anyone else can possess the same commitment to responsible guardianship because they cannot. WILLIAMS: I will support the KTRS Board’s fi duciary decision-making authority as long as the board does not employ placement agents as part of its strategy, and as long as the board is fully transparent with its members and the state about its investment strategies and structure. END

Long Term Care Insurance Did You Know?

KRTA members who bought the Future Care II Long Term Care insurance policy in 1992 and 1993 [Form LI-LTCP (KY) 192], which was issued by Life Investors Insurance Company of America, were eligible for nursing home benefi ts if they: 1) had an injury or sickness; or 2) needed Human Assistance in performing 2 or more of the Activities of Daily Living; or 3) were dependent upon someone else for continual supervision because of Cognitive Impairment. However, after September 20, 1993, these policyholders and KRTA members who bought the newer Future Care II Long Term Care insurance policy issued by Life Investors [Form LI-LTCP (KY) 393] were not required to meet the above mentioned benefi t triggers to qualify for nursing home confi nement benefi ts. Only a Plan of Care from a physician would be required. Likewise, the KRTA Future Care group policy with Life Investors that was approved in December of 1996 [LI-GRP-LTCC (KY) 1096], did not require that any of the above mentioned benefi t triggers be met before qualifying for nursing home confi nement benefi ts. Only a Plan of Care from a physician would be required. PAGE 2 Please note that this only applies to nursing home confi nement. In addition, because all three plans were approved prior to January 1, 1997, they were “grandfathered” and are considered tax-qualifi ed plans. (6/29/2009) PAGE 6 KRTA NEWS SEPTEMBER 2011

Fall Fix Ups KRTA PARTNERS . . . A Message from Liberty Mutual It’s time for fall maintenance on your home. Tackle any trouble spots outside before winter arrives. Start with outside jobs before it gets too cold and rainy. And some tasks, such as electrical or plumbing problems, are best left to the pros. 30 Uses of Life Insurance Exterior Maintenance ® Keith Hazelbaker, CFP , North American Life Plans, LLC  Replace roof shingles if you’re only missing a few of them. You may want to hold off on a new roof until spring, since warm weather helps shingles seal Life insurance is an important fi nancial tool because it can be used to address many properly. Ask a roofi ng expert what’s best for your region. diff erent concerns and objectives.  Be an energy miser and caulk or weather-strip around window frames and Personal needs door frames. 1. Pay off car loans, credit cards and other debts  Replace rotted wood (including fences) that can attract termites, carpenter 2. Pay off or reduce your home mortgage ants and other pests. 3. Fund burial and other fi nal expenses  Clean gutters and downspouts to avoid overfl ow and basement fl ooding. 4. Replace income lost due the death of a wage earner Equip downspouts with extenders, if needed, to help keep water away from 5. Fund the costs to replace domestic services of a stay-at-home spouse or caregiver the foundation. 6. Create an education fund  Lubricate garage door hinges, rollers and tracks to avoid stress during frigid 7. Protect future insurability temperatures. 8. Ensure a retirement income “completion fund”  Tune up your snowblower before the fi rst fl akes fall. 9. Enhance an estate to provide for the children of a prior marriage  Fill driveway and sidewalk cracks to prevent damage from freeze-and-thaw 10. Satisfy divorce-related obligations such as alimony or child support cycles. 11. Create a fund to provide care for a loved one with special needs  Prevent supply lines from bursting in cold climates by removing hoses from outside faucets, draining the faucets and turning off basement shut-off Estate and charitable needs valves. 12. Pay legal and administrative costs incurred at the insured’s death 13. Provide a source of liquidity to pay state and/or federal “death taxes” Interior Maintenance 14. Mitigate the impact taxes can have on assets owned in trust  Check the R-value (indicating eff ectiveness) of your attic insulation, then 15. Supplement any income shortfall of a total return or income trust upgrade as needed. Visit www1.eere.energy.gov/consumer/tips/insulation. 16. Replace loss due to IRD tax incurred by annuities, IRAs and qualifi ed plan assets html for guidance. 17. Diminish the impact of marital deduction limitations of a surviving resident  Test all ground fault circuit interrupter (GFCI) outlets. noncitizen spouse  Paint interior walls if it’s still warm enough to open windows to ventilate 18. Increase the value of transfers of generation-skipping, annual exclusion and fumes. exemption gift amounts  Remove lint from your clothes dryer vent. According to the U.S. Fire 19. Freeze the value of a highly appreciated estate asset received by a surviving heir Administration, clothes dryers cause 15,600 structural fi res annually, and 20. Create a fund to produce an income stream to non-charitable benefi ciaries dirty vents are the leading culprits. during the term of a testamentary charitable lead trust  Test smoke and carbon monoxide detectors and replace batteries twice a 21. Leave a charitable legacy year. 22. Replace wealth left to a charity  Make sure the fi replace fl ue damper opens and closes fully. Hire a pro to 23. Equalize inheritances between business heirs and non-business heirs clean the chimney and inspect the fi rebox.  Check for air leaks. Head for your basement on a sunny day, leave the lights Business needs off and look for sunlight fi ltering through foundation cracks. 24. Collateralize a business loan  Give your emergency generator and sump pump a test run. 25. Fund a buy-sell agreement  Replace furnace fi lters regularly for peak heating-system 26. Stabilize a business at the death of a key employee operation. or owner  Set up a furnace/boiler inspection. Some contractors off er 27. Fund post-retirement health care costs lower rates if you schedule early in the fall. 28. Off set a loss to a business caused by the death of a key employee To learn more about Liberty Mutual auto and home insurance 29. Establish a fund to retain key employees or get a free, no-obligation quote, please contact your local 30. Facilitate an ESOP repurchase obligation sales representative, call 1-800-292-2073 or visit www.LibertyMutual.com. Dave Farmer If any of these needs apply to you or your family members, Liberty Mutual please call North American Life Plans at 1-888-362-1214 Coverage provided and underwritten by Liberty Mutual Keith Hazelbaker North American Life Plans for a free consultation by a KRTA-endorsed representative. Insurance Company and its affi liates, 175 Berkeley Street, Boston, MA. KRTA PARTNERS continued on page 11

KEHP (Retirees under age 65) MEHP (Retirees over age 65) KTRS: Frankfort, Kentucky From Humana: 1.877.597.7474 Humana: 1.866.396.8810 1.800.618.1687 (Toll free) Your Express Scripts: 1.866.413.8164 Medco: 1.800.551.8060 502.848.8500 (Local) Contact MyHumana.com MyHumana.com (same as KEHP) www.ktrs.ky.gov Retirement Info • View your medical claims www.medco.com System • Look up healthcare providers • View your prescription record KRTA: Louisville, Kentucky • Review plan description • Order prescriptions — 90-day 1.800.551.7979 502.231.5802 • Order replacement card supply www.krta.org [email protected] SEPTEMBER 2011 KRTA NEWS PAGE 7

KRTA STANDING COMMITTEES — 2011-2012

LEGISLATIVE ARTHUR GREEN ...... 3 BOB LEE ...... CKW NORMA PROFITT ...... UKR BOBBY L. HUMES, CO-CHAIR PO BOX 314 4406 COMBS FERRY RD P O BOX 342 CAMPTON KY 41301-0342 2587 FLINT HILL RD ELKTON KY 42220-0314 WINCHESTER KY 40391-9251 606-668-6118 SONORA KY 42776-9333 270-265-5958 859-744-9439 nprofi [email protected] 270-369-8286 [email protected] [email protected] [email protected] JAMES HANKS ...... 4 STEVE GARRETT ...... CKE VIRGIL OSBORNE ...... BS RAY ROUNDTREE, CO-CHAIR P O BOX 456 135 GENEVA AV 9890 ROBINSON CREEK RD 392 LAUREL RD LEBANON KY 40033-0456 IRVINE KY 40336-7572 VIRGIE KY 41572-8355 LONDON KY 40741 270-692-2454 606-723-3049 606-639-2740 [email protected] 606-864-7421 [email protected] ROBERT LINDAHL ...... E [email protected] DON HINES ...... 5 MAUDE TEEGARDEN ...... N 729 KNAPP AV BOB SPILLMAN ...... 1 109 WIMBLEDON CT P. O. BOX 32 MOREHEAD KY 40351-1129 3588 STATE ROUTE 80 E FRANKFORT KY 40601-4860 GERMANTOWN KY 41044-0032 606-784-6393 MAYFIELD KY 42066-7942 502-875-4988 606-728-2312 [email protected] [email protected] 270-247-9590 [email protected] Ex-Offi cio Member [email protected] RICK TATUM ...... JEFF LARRY MORROW ...... MC FRANK R. HATFIELD REBECCA HUDSON-BROWN ...... 2 7810 ST ANTHONY WOODS 874 W BOURBON RD 248 LEES LN. 302 TARTAN DR LOUISVILLE KY 40214-4408 SOMERSET KY 42503-6164 SHEPHERDSVILLE KY 40165-9022 HENDERSON KY 42420-4768 502-937-5190 606-451-8365 502-543-6298 270-826-3088 [email protected] [email protected] fmhatfi [email protected] [email protected] GUS SWANSON ...... 2 BETTY DOZIER ...... CKW JIM CONNOR ...... UC 2301 REIGH COUNT DR 104 WOODFORD VILLAGE DR 605 WHITLEY ST MEMBERSHIP OWENSBORO, KY 42303-4986 VERSAILLES KY 40383-1441 LONDON KY 40741-2628 (270) 686-7570 859-873-5370 606-864-9895/606-309-0906 BETTY HESTER, CO-CHAIR [email protected] [email protected] 1782 WEST HEBRON LANE KAREN GILBERT ...... CKE SHEPHERDSVILLE KY 40165-7423 L. CAROLYN EDWARDS ...... 3 P.O. BOX 1048 CAROLYN MILLER ...... UKR 502-957-2305 or 502-494-9114 573 SPRADLIN RD STANTON, KY 40380-1048 695 SANDY RIDGE RD [email protected] EDMONTON KY 42129 606-663-6893 CAMPTON KY 41301-9105 270-432-5844 [email protected] 606-668-3255 DEBBY MURRELL, CO-CHAIR [email protected] [email protected] 2805 ALICE AV FAYE SHEHAN ...... N LOUISVILLE, KY 40220-1703 GLYNA MAYE LILE ...... 4 1036 BELMONT PARK DR WILLIS HAWS ...... BS 502-458-5125 or 502-387-7472 1795 ROBERTS RD UNION, KY 41091-7947 9 MAYO BRANCH - BRANDY KEG [email protected] HARDYVILLE KY 42746-8806 859-371-9193 PRESTONSBURG KY 41653-1326 270-565-1935 [email protected] 606-886-8310 ERNIE TROSPER, CO-CHAIR [email protected] [email protected] 2015 WYNDAMERE LN JANE DALTON ...... MC PARIS KY 40361-2153 ROY L. WINCHESTER ...... 5 86 GUINN DR JEAN FRALEY...... E 859-987-6516 PO BOX 2 MONTICELLO KY 42633 902 W GLENDALE DRIVE [email protected] BETHLEHEM KY 40007-0002 606-348-4825 ASHLAND KY 41102-9410 502-845-5040 [email protected] 606-928-4840 ANN YARBROUGH ...... 1 [email protected] 5960 WICKLIFFE RD VACANT...... JEFF WICKLIFFE KY 42087 270-335-3729 [email protected]

ELAINE NEELY ...... 2 LINDA RATTI...... JEFF GOLDEN HALE ...... UKR 3726 JASON AV 400 GLENSFORD DR 1722 BRANHAMS CREEK RD HEALTH & INSURANCE HENDERSON KY 42420-9767 LOUISVILLE KY 40245-4681 MALLIE KY 41836 270-826-9795 502-245-4539 606-298-5146 CAROLYN FALIN, CO-CHAIR [email protected] [email protected] [email protected] 47 LAUREL LAKE RESORT RD LEON REMINGTON RALPH ROBERTS GERALD PRESTON CORBIN KY 40701 ...... 3 ...... CKE ...... BS 606-523-8450 /606-521-0412 10683 LOUISVILLE RD 150 EDGEWOOD DRIVE 133 IRIS ST [email protected] BOWLING GREEN,KY 42101-8421 STANFORD, KY 40484-1027 PAINTSVILLE, KY 41240-9303 270-781-4716/502-262-1067 606-365-9721 606-789-5830 /606-367-1657 [email protected] [email protected] [email protected] DONALD PACE, CO-CHAIR 20 HERITAGE PL ERNEST TAYLOR ...... 4 AUDREY WAYLAND ...... N LANA COMBS ...... E WINCHESTER KY 40391-2355 2190 MCELROY PIKE 77 ARCADIA AVE 200 DUSTY RD 859-771-9559 LEBANON, KY 40033-9347 LAKESIDE PARK KY 41017-2128 MOREHEAD KY 40351-8247 [email protected] 270-699-2786 859-341-7274 606-784-6161 [email protected] [email protected] THOMAS MARSHALL JUDY . . .MC DARL HENLEY ...... 1 JIM JUDGE ...... 5 6208 US HIGHWAY 60W 116 GREEN HILL PARK DR 520 POWHATAN TRL SOMERSET, KY 42501-1100 MARION KY 42064-7015 FRANKFORT KY 40601-1626 270-965-2092 606-679-1201 502-695-1989 [email protected] [email protected] [email protected] PAGE 8 KRTA NEWS SEPTEMBER 2011

GRAVES COUNTY 2011-2012 KRTA OFFICERS & EXECUTIVE COUNCIL Donald Sparks 307 Golf Club Lane

Mayfi eld, KY 42066-1316 IMMEDIATE 270.247.6454 PRESIDENT PRESIDENT-ELECT VICE-PRESIDENT PAST-PRESIDENT [email protected] HICKMAN COUNTY Edwin Cook III Jim Frank Carolyn Falin Melanie Wood Shirley Byassee 160 Comet Drive 1513 Johnson Blvd 47 Laurel Lake Resort Rd 8605 Shelbyville Road #130 412 Pecan Drive Olive Hill, KY 41164 Murray, KY 42071 Corbin, KY 40701 Louisville, KY 40222-5374 Clinton, KY 42031-1315 (606) 286-6312 (270) 753- 1329 (606) 523-8450 (502) 290-4944 270.653.6559 [email protected] [email protected] [email protected] [email protected] [email protected] LIVINGSTON COUNTY Delbert Myrick EXECUTIVE DIRECTOR KRTA NEWS EDITOR DEPUTY EXECUTIVE DIRECTOR 1099 Lola Road Salem, KY 42078-9335 Dr. Bob Wagoner Brenda Meredith Janie Caslowe 270.988.3729 P O Box 826 2532 Saratoga Drive 11009 Fox Moore Place [email protected] New Castle, KY 40050 Louisville, KY 40205 Louisville, KY 40223-5583 LYON COUNTY (502) 845-0815 (502) 459-9790 (502) 245-5735 Sandra Rudolf [email protected] [email protected] [email protected] 415 Barnett Road Executive Council Eddyville, KY 42038 270.388.9375 [email protected] Joyce Cecil June Grooms 10409 Forest Garden Ln 1166 Cleveland Ave MARSHALL COUNTY Louisville, KY 40223 Park Hills, KY 41011 Robert “Mark” Harrell (502) 426-0399 (859) 581-2405 Ann Porter 33 Aspen Street Charlotte Nedros [email protected] 3065 Augusta Dover Road Calvert City, KY 42029-9304 230 Essex Way August, KY 41002-9001 270.395.7841 Taylorsville, KY 40071 JEFFERSON (606) 882-2486 [email protected] (502) 477-8459 [email protected] MCCRACKEN COUNTY [email protected] FIFTH Cathy Gullett Katherine Mayne Margaret Sims 2233 Ky. Route 1107 2325 Olivet Church Road NORTHERN 145 Castleton Dr Paintsville, KY 41240-8669 FOURTH Paducah, KY 42001-9772 Bardstown, KY 40004 EASTERN (606)789-6612 / (606) 424-7865 270.554.7312 (502) 349-0055 SANDY [email protected] [email protected] m BIG LeAnn Mullins TRIGG COUNTY Anna Sturgeon UPPER KY RIVER THIRD PO Box 92 Timothy McGinnis 499 Malcolm Doyle Rd UPPER Litt Carr, KY 41834 129 Heron Point Park City, KY 42160 MIDDLE CUMBERLAND (606) 785-1091 PO Box 270 (270)597-3192 [email protected] Cadiz, KY 42211-0270 [email protected] 270.924.3005 SECOND CUMBERLAND Paul Falin CENTRAL 47 Laurel Lake Resort Rd [email protected] Joe Westerfi eld Corbin, KY 407012342 3300 Shadewood Terrace FIRST (606)523-8450 Owensboro, KY 42303 SECOND DISTRICT WEST [email protected]

(270) 683-1495 EAST Joe Hicklin, President joewesterfi eld@bellsouth Tom Mathews 1210 Walnut Drive 468 Acree Dr Sally Duford Foley Madisonville, KY 42431 CENTRAL Jamestown, KY 42629-7844 270.821-1769/270.836-6204 819 Bagwell Ave Connie Wiggs James Robinson 270-343-2354 [email protected] Murray, KY 42071 215 Burton Pike 33 Johnson Ave [email protected] (270) 753-4496 Georgetown, KY 40324 Mount Sterling, KY 40353 [email protected] (502)863-5048 (859)498-0239 CHRISTIAN COUNTY [email protected] [email protected] Larry Carter KRTA Executive Director Emeritus AARP/KRTA Specialist KTRS Executive Secretary 2895 Princeton Road Frank Hatfi eld Neal Tucker Hopkinsville, KY 42240-8500 Gary Harbin 248 Lees Lane 328 E. Young Street 270.885.4514 479 Versailles Road Shepherdsville, KY 40165 Morganfi eld, KY 42437-1760 [email protected] Frankfort, KY 40601 (502) 543-6298 (270) 389-4744 800-618-1687 DAVIESS COUNTY fmhatfi [email protected] [email protected] Beverly Phelan BALLARD COUNTY CALLOWAY COUNTY CRITTENDEN COUNTY 2321 Ben Ali Court DISTRICT & LOCAL Diane Fowler Myra Farley Phyllis Sykes Owensboro, KY 42301-4222 531 King Road 1302 Oak Hill Drive 215 N Walker St 270.685.2583 PRESIDENTS Barlow, KY 42024-9652 Murray, KY 42071-4710 Marion, KY 42064-1437 [email protected] 270.334.3505 270.753.5575 / 270.293.2175 270.965.5080 FIRST DISTRICT [email protected] [email protected] HANCOCK COUNTY FULTON COUNTY Carol Thompson Don Sparks, President CALDWELL COUNTY CARLISLE COUNTY Barbara P. Young 1965 State Route 657 307 Golf Club Lane Gerry Baker Lucy H. Hunt 1125 Magnolia Drive Lewisport, KY 42351-7210 Mayfi eld, KY 40266-1316 3780 Briarfi eld Road 1341 County Road 1011 Fulton, KY 42041-7996 270.295.3925 / 270.314.3464 270.247.6454 Princeton, KY 42445-5270 Cunningham, KY 42035-9450 270.472.3998 [email protected] [email protected] 270.365.2907 270.642.2359 / 270.556.9111 [email protected] [email protected] [email protected] SEPTEMBER 2011 KRTA NEWS PAGE 9

HENDERSON COUNTY METCALFE COUNTY HART COUNTY OWEN COUNTY MONTGOMERY COUNTY Rebecca Hudson-Brown Judy Polson Vesta Dennison Gloria Shelton Sybl Fleming 320 Tartan Drive 4851 Sulphur Well-Knob Lick Rd. 3046 Bunnell Crossing Road 13995 US 127 S 123 Elm Street Henderson, KY 42420-4768 Knob Lick, KY 42154-8201 Horse Cave, KY 42749-7081 Owenton, KY 40359 Mt. Sterling, KY 40353-1109 270.826.3088 270.565.2445 270.524.3002 / 270.528.1285 502.484.5385 859.498.9760 / 859.585.6901 [email protected] [email protected] [email protected] [email protected] sbfl [email protected] HOPKINS COUNTY MONROE COUNTY MARION COUNTY SHELBY COUNTY POWELL COUNTY Scotty Parsons, Sr. Linda Pitcock Benita Carrol Nally Sam W. Chandler Nellie Anderson 18015 Collins Bridge Road 487 N Spalding Avenue 1242 Augusta Drive 4982 Gamaliel Road 3116 N Fork Road PO Box 186 Dawson Springs, KY 42408-9235 Lebanon, KY 40033-1522 Shelbyville, KY 40065-9032 Tompkinsville, KY 42167-7746 Stanton, KY 40380-0186 270.797.5009 270.692.6753 502.633.6595 / 502.655.0265 606.663.5628 / 859.274.5454 270.487.8164 MCLEAN COUNTY [email protected] [email protected] [email protected] [email protected] Margaret Turner MEADE COUNTY SPENCER COUNTY ROCKCASTLE COUNTY PO Box 54 MUHLENBERG COUNTY Teresa Garnett Sarah Hickman Betty Glovak Island, KY 42350-0054 Janice Yonts 1150 Dave Smith Road 738 King Road PO Box 214 270.486.3588 232 Norman Circle Ekron, KY 40117-3328 Coxs Creek, KY 40013-6772 Brodhead, KY 40409-0214 UNION COUNTY Greenville, KY 42345-9444 270.828.3328 502.252.7922 / 502.249.6425 606.758.8175 / 606.308.4155 Mary “Ginger” Simpson OHIO COUNTY [email protected] TRIMBLE COUNTY [email protected] 925 Sand Lane Apt. 209 Sharon Powell NELSON COUNTY Deania Hurst CENTRAL KENTUCKY Henderson, KY 42420-4456 111 Locust Lane 101 N Main Street Alma Hagan WEST DISTRICT 270.831.4288 / 270.827.4789 Bedford, KY 40006-7628 Beaver Dam, KY 42320-1999 125 Westwind Trail Ellie Thompson, President [email protected] Bardstown, KY 400049-1809 502.255.7382 / 502.523.1092 270.302.5613 962 Kentontown Road WEBSTER COUNTY [email protected] 502.348.6041 Mount Olivet, KY 41064-7725 Pauletta Yarbrough SIMPSON COUNTY [email protected] JEFFERSON COUNTY 606.724.5080 / 606.584.1197 54 Huntington Ridge Drive William “Bill” Porter TAYLOR COUNTY DISTRICT [email protected] Madisonville, KY 42431-8774 521 Vonda View Boulevard Karen Vaughn Titus Exum, President ANDERSON COUNTY 270.875-6655 Franklin, KY 42134-9647 80 Lanai Lane 2806 Spring Bud Court Karen Whitehouse [email protected] 270.776.3202 / 270.586.7890 Campbellsville, KY 42718-1672 Louisville, KY 40220-3542 1034 Westwood Estates [email protected] 270.789.1378 502.499-5615 Lawrenceburg, KY 40342-9301 [email protected] THIRD DISTRICT TODD COUNTY [email protected] 502.839.7479 Willadean Carter, President Mildred Bellar WASHINGTON COUNTY [email protected] 207 Beechwood Drive 256 Tower Street Mary “Elaine” Mattingly CENTRAL KENTUCKY BLUEGRASS COUNTIES Tompkinsville,KY 42167-1819 Guthrie, KY 42234 5529 Bardstown Road EAST DISTRICT (Bourbon and Fayette) 270.487.8302 /270.487.6932 270.483.0890 Springfi eld, KY 40069-9441 Danny Presnell, President Patsy Rainey 859. 336-9409/ (859) 805-0066 [email protected] WARREN COUNTY 118 Armitage Drive P O Box 29 [email protected] Romanza Johnson Richmond, KY 40475 N. Middletown, KY 40357-0029 ALLEN COUNTY 3341 Cemetery Road FIFTH DISTRICT 859.582.3602 859.362.4392 / 859.749.1315 Ferrell Oliver [email protected] Bowling Green, KY 42103-9063 Debby Murrell, President [email protected] 2245 Halfway Halifax 2805 Alice Avenue BOYLE COUNTY 270.842.3416 ESTILL COUNTY Scottsville, KY 42164-8334 Louisville, KY 40220-1703 Paul Smiley [email protected] Steve Garrett 270.622.5997/270.618.0376 502.458.5125 / 502.387.7472 150 Saint Mildreds Court 135 Geneva Avenue [email protected] FOURTH DISTRICT [email protected] Danville, KY 40422-1255 Irvine, KY 40336-7572 859.319.8790 BARREN COUNTY Margaret Sims, President BULLITT COUNTY 606.723.3049 / 859.582.1263 [email protected] 145 Castleton Drive Betty Hester Bonita Elmore [email protected] CLARK COUNTY Bardstown, KY 40004 1782 W Hebron Lane 89 Collins Lane GARRARD COUNTY Nancy Peel 502.349.0055 Shepherdsville, KY 40165-7423 Glasgow, KY 42141-7781 Sharon Hamilton 205 W Lexington Ave 502.957.2305 / 502.494.9114 BUTLER COUNTY [email protected] 15 Perry Rogers Road Winchester, KY 40391 [email protected] William Hampton BRECKINRIDGE COUNTY Lancaster, KY 40444--8771 859.744.6464 CARROLL COUNTY 859.792.4610 / 859.338.2924 597 Paul Hampton Road Mary Lois Roberts HARRISON COUNTY Henry Williams [email protected] Morgantown, KY 42261-8003 210 Plainview Drive Ishmael Hopkins P O Box 8 JACKSON COUNTY 270.728.2591 / 270.791.7482 Hardinsburg, KY 40143-2572 3764 US Hwy. 62 E 270.756.2399 / 270.617.8146 Carrollton, KY 41008-0008 Ramona Jones [email protected] Cynthiana, KY 41031-6736 [email protected] 502.732.9096 P O Box 129 859.234.5545 / 859.588.2020 CUMBERLAND COUNTY [email protected] E’TOWN, HARDIN/LARUE CO Tyner, KY 40486-0129 [email protected] Mike Irby William Kelley FRANKLIN COUNTY 606.364.5929 JESSAMINE COUNTY PO 974 904 Dogwood Drive Sue Caldwell [email protected] Cathy Boggs Burkesville, KY 42717-0974 Elizabethtown, KY 42701-2147 2088 Silver Lake Blvd. LEE COUNTY 816 Amalfi Lane 270.864.3830 / 270.433.7633 270.737.7742 Frankfort, KY 40601-5306 Avis Thompson Lexington, KY 40509-1760 853 Silver Creek Road EDMONSON COUNTY [email protected] 502.695.7486 859.264.9947 / 859.351.3070 Beattyville, KY 41311 Nancy Sanders GRAYSON COUNTY [email protected] [email protected] 606.464.9177 / 859.948.5334 Bonnie Harrell Blanton HENRY COUNTY MERCER COUNTY 8519 Brownsville Road LINCOLN COUNTY 20 Logan Lane Sue E. Barnett Everice Shewmaker Brownsville, KY 42210-9444 Ann Upchurch Leitchfi eld, KY 42754-9017 131 Stephens Street 351 N Main Street 270.597.3627 / 270.246.0163 55 Lakeview Drive 270.259.5026 / 270.589.0189 New Castle, KY 40050-0675 Harrodsburg, KY 40330-1133 [email protected] Stanford, KY 40484-9518 [email protected] 502.845.0675 859.734.5320 606.365.9270 / 859.749.5805 LOGAN COUNTY OLDHAM COUNTY [email protected] GREEN COUNTY [email protected] Clarence Gamble Beverly Smith NICHOLAS/ROBERTSON Maxideen Pruitt MADISON COUNTY 585 Cedar Grove Road P O Box 81 Brenda Anderson 503 Milby Street Patricia Bailey Olmstead, KY 42265-9651 Buckner, KY 40010-0081 1087 Colville Road Greensburg, KY 42743-1141 171 Mountian View Dr 270.726.3048 502.222.7392 Paris, KY 40361-9316 270.932.5839 Berea, KY 40403-9731 [email protected] 859.484.2392 / 859.749.7537 859.986.3244 [email protected] PAGE 10 KRTA NEWS SEPTEMBER 2011

SCOTT COUNTY BRACKEN COUNTY LAUREL COUNTY FLEMING COUNTY BIG SANDY DISTRICT Virginia Pratt Laural Gray, Co-President Jim R. Connor Kathy Miller Gerald Preston, President 504 Pueblo Trail 124 Bluegrass Estates 605 Whitley Street 607 Hall Road 133 Iris Street Georgetown, KY 40324-1020 Brooksville, KY 41004-8221 London, KY 40741-2628 Flemingsburg, KY 41041-8689 Paintsville, KY 42140-9303 502.863.3340 606.735.3389 / 606.782.2267 606.864.9895 / 606.309.0906 606.789.5830 / 606.367.1657 606.845.5441 / 606.748.2414 [email protected] [email protected] [email protected] [email protected] [email protected] WOODFORD COUNTY Sharon Teegarden, Co-President MIDDLESBORO FLOYD COUNTY GREENUP COUNTY Dawana Daniel 2225 Bladestone Drive Rhonda Roark Gene Davis Carol Allen 303 Tincher Drive Brooksville, KY 41004-8162 396 Ridge Road P O Box 40 507 Bellefonte Princess Road Versailles, KY 40383 606.735.2134 Tazewell, TN 37879-4768 Banner, KY 41603-0040 Ashland, KY 41101-2179 859.873.3806 / 859.227.4255 [email protected] 423.869.9010 / 423.489.8244 606.874.2873 / 606.477.1873 606.329.8186 [email protected] CAMPBELL COUNTY [email protected] [email protected] JOHNSON COUNTY Sam Cantrell WHITLEY COUNTY MIDDLE CUMBERLAND Gerald Preston LEWIS COUNTY 3727 Ridgewood Court Paul Falin DISTRICT 133 Iris Street Clara Kamer (Contact) Alexandria, KY 41001-9515 47 Laurel Lake Resort Road Wayne Ryan, President Paintsville, KY 41240-9303 84 Bel Air Drive 859.635.4582 / 859.441.8676 Corbin, KY 40701-7848 2060 Grider Hill Dock RD 606.789.5830/ 606.367.1657 Vanceburg, KY 41179-7890 GALLATIN COUNTY 606.523.8450 / 606.304.1146 Albany, KY 42602 [email protected] 606.796.3233 Dona Roberts [email protected] MASON COUNTY 606.387.7480 135 Homestead Drive LAWRENCE COUNTY [email protected] UPPER KY RIVER Phyllis Waller Ann Porter Sparta, KY 41086-8880 3065 Augusta Dover Road ADAIR COUNTY DISTRICT 24 Wilson Pointe Road 859.643.2671 / 859.620.5977 Augusta, KY 41002-9001 Bobbie Coomer Judy Spencer, President Louisa, KY 41230-7737 [email protected] 606.882.2486 / 606.584.2510 9495 Russell Springs Road 606.638.9316 / 606.483.0432 GRANT COUNTY RR #3 Box 606 [email protected] Russell Springs, KY 42642-7722 Loretta Flerlage Booneville, KY 41314 MAGOFFIN COUNTY MENIFEE COUNTY 270.384.4825 1000 Independence Pike 606.593.5274 Brenda J. Allen Nancy Wells [email protected] Dry Ridge, KY 41035-6811 7204 E. Mountain Pkwy. 606.593.5152 175 Foxfi re Lane CASEY COUNTY 859.824.4882 / 859.628.2468 Salyersville, KY 41465-8423 [email protected] Frenchburg, KY 40322-8231 Rebecca Wesley sfl [email protected] 606.349.5402 / 606.205.9704 606.768.3907 116 Memory Drive BREATHITT COUNTY [email protected] KENTON COUNTY [email protected] Liberty, KY 42539 J. B. Losey Charlotte Ditty MARTIN COUNTY 606.787.9344 / 859.339.0854 3521 Visalia Road 111 State Drive Darrell Clark MORGAN COUNTY CLINTON COUNTY Morning View, KY 41063-8729 Jackson, KY 41339-9650 P O Box 24 Mary Stewart Shirley Ryan 859.356.6168 606.666.5577 Lovely, KY 41231-0024 2820 Liberty Road West Liberty, KY 41472-7021 2060 Grider Hill Dock Road PENDLETON COUNTY KNOTT COUNTY 606.395.6222 / 606.626.7304 606.743.4594 Albany, KY 42602-7167 Betty McKinney Rebecca Bell [email protected] [email protected] 606.387.7480 / 606.278.4795 1978 US Highway 27 N 117 Red Oak Branch PIKE COUNTY [email protected] Falmouth, KY 41040-8367 Sassafras, KY 41759-8904 Walter Coleman ROWAN COUNTY MCCREARY COUNTY 859.654.8649 / 859.322.7205 606.642.3737 / 606.216.6420 P O Box 453 Robert J. Lindahl Sharon Haynes [email protected] [email protected] Regina, KY 41559-0453 729 Knapp Avenue LESLIE COUNTY Morehead, KY 40351-1129 P O Box 571 UPPER CUMBERLAND 606.754.8987 Whitley City, KY 42653-0571 Lucretia Sizemore [email protected] 606.784.6393 DISTRICT 25974 Highway 421 [email protected] 606.376.8976 / 606.310.6095 EASTERN DISTRICT [email protected] Billie Jean McDade, Pres. Hyden, KY 41749-8988 Ann Porter, President PO Box 456 606.672.2219 PULASKI COUNTY 3065 Augusta Dover Road Shirley Dick Wolfe Middlesboro, KY 40965 [email protected] August, KY 41002-9001 216 Pogue Drive 606.248.2252 LETCHER COUNTY 606.882.2486 Somerset, KY 42503-4158 BELL COUNTY Joyce Whitaker [email protected] 606.875.3321 Don Miracle 14 Stewarts Road [email protected] 34 Glenwood Park Road Blackey, KY 41804-9004 BATH COUNTY RUSSELL COUNTY Middlesboro, KY 40965-5006 606.633.3449 / 606.634.8223 Vivian “Fay” Hart Lura “Jane” Johnson 606.248.5331 / 606.499.6225 [email protected] 26 Banker Street 237 Yellow Apple Ridge Road [email protected] OWSLEY COUNTY Owingsville, KY 40360-2008 Russell Springs, KY 42642-9728 CLAY COUNTY Judy Spencer 606.674.3215 270.866.5435 / 270.566.2333 Maggie Campbell Napier RR 3 Box 606 BOYD COUNTY [email protected] 1770 N. Hwy 421 Booneville, KY 41314-9436 Doug Cole, Jr. WAYNE COUNTY Manchester, KY 40962-7249 606.593.5274 / 606.593.5152 2730 N. Cross Street George Owen Horton 606.598.3957 / 606.599.5201 [email protected] Ashland, KY 41102-9626 3688 Highway 200 [email protected] PERRY COUNTY 606.928.6114 Monticello, KY 42633-9304 HARLAN COUNTY Norma Noble CARTER COUNTY 606.348.7334 Polly McLain 1687 Lost Creek Road Edwin Cook Who is not able to recall the Hazard, KY 41701-7916 NORTHERN KENTUCKY PO Box 28 160 Comet Drive impact of some particular 606.436.5009 / 606.306.7122 DISTRICT Evarts, KY 40828-0028 Olive Hill, KY 41164-7687 teacher—an enthusiast, a [email protected] Bert Baldwin, President 606.837.3546 606.286.6312 / 606.316.7148 WOLFE COUNTY devotee of a point of view, a 34 Sidney Drive [email protected] [email protected] Brenda Campbell disciplinarian whose ardor Independence, KY 41051-9291 KNOX COUNTY ELLIOTT COUNTY 544 Ky. 1036 came from love of a subject, 859.356.9437 Jean Smith Pearl Sparks Campton, KY 41301-7903 [email protected] 41 Terrell Lane 167 P Sparks Road a playful but serious mind? Barbourville, KY 40906-7860 606.464.9511 / 606.434.2659 Olive Hill, KY 41164-4809 There are many images, [email protected] BOONE COUNTY 606.546.3223 606.738.9689 and they are precious. [email protected] Mary Sue Wilson Jerome Bruner 850 Hicks Pike Walton, KY 41094-8216 859.485.7210 [email protected] SEPTEMBER 2011 KRTA NEWS PAGE 11 The KTRS Defi ned Benefi t Group Retirement Plan: KRTA Legaline A Positive Impact on the State’s Economy 1-800-232-1090

As you know, a deduction is made from every paycheck that you ever receive, from your first date of employment to your last, to help pay for your retirement benefits. What you may not know is that your Background Checks for employee contributions, and the corresponding employer contributions, pay for only a fraction of your retirement benefits. When employee and employer contributions are made to the retirement system Elder Care Workers in KY they aren’t just thrown down a black hole never to be seen again. They are invested in a diversified portfolio that includes stocks, bonds, real estate, timberland and private equity. Over the lifespan of Th anks to a $3 million federal grant, Kentucky KTRS, the investment earnings from this portfolio have provided the dollars for approximately seventy will now conduct more extensive background percent (70%) of all retirement benefits paid out by the retirement system. Employer and employee checks on those applying for jobs caring for the contributions historically pay for less than one third of these benefits. elderly and disabled. Th e grant money will be used to conduct fi ngerprint scanning to acquire The investment earnings as well as the accumulated contributions are injected into the state’s economy state and FBI criminal background checks. Th e in the form of retirement benefits. In the last fiscal year, approximately $1.6 billion dollars in benefits Cabinet for Health and Family Services will were paid out. And since ninety-three percent (93%) of KTRS retirees remain in Kentucky, the majority review the results for any off enses that would of those dollars stay in Kentucky. Every community in the Commonwealth benefits from the expenditure disqualify someone from employment and of these retirement dollars as local businesses and jobs are supported. As such, your group retirement notify the prospective employer. plan not only serves you individually, but it also serves as a powerful and efficient economic engine for Kentucky. Currently, the state conducts background checks by the name of the individual applying for the job The retirement benefits paid to members who live in each county in Kentucky for the 2009-2010 fiscal and only performs the background checks before year are listed below. These amounts will be even greater in the current fiscal year. employment. Further, current law only requires those who interact with residents to undergo a ADAIR $5,803,989 GRAYSON 8,634,506 MONROE 5,220,228 criminal background check before employment ALLEN 5,004,719 GREEN 3,510,939 MONTGOMERY 8,961,947 (e.g., nurses and aides, not custodial staff and GREENUP 11,795,949 ANDERSON 6,189,502 MORGAN 5,987,964 food service workers). BALLARD 3,600,110 HANCOCK 2,327,430 MUHLENBERG 9,647,011 BARREN 13,120,878 HARDIN 25,799,119 NELSON 12,392,193 Under the new policy, background checks will be BATH 3,928,011 HARLAN 12,750,879 NICHOLAS 1,981,850 performed on those applying for jobs in nursing BELL 11,381,065 HARRISON 6,101,989 OHIO 6,489,655 and personal care homes, assisted living centers, BOONE 26,213,505 HART 5,085,082 OLDHAM 14,971,402 Alzheimer’s facilities, home health and personal HENDERSON 13,359,655 OWEN 2,611,795 BOURBON 5,984,861 care agencies and residential centers for adults BOYD 17,461,240 HENRY 5,363,750 OWSLEY 3,615,737 with mental disabilities. Th e background checks BOYLE 13,571,950 HICKMAN 1,215,858 PENDLETON 4,287,584 BRACKEN 2,765,982 HOPKINS 15,120,996 PERRY 11,648,561 can also now be used to electronically monitor BREATHITT 7,003,122 PIKE 25,658,541 people for convictions that occur aft er they are BRECKINRIDGE 6,110,119 JACKSON 3,648,518 POWELL 3,692,336 already employed. Unfortunately, however, the BULLITT 14,648,903 JEFFERSON 230,683,392 PULASKI 20,996,812 law still only requires background checks for BUTLER 2,530,633 JESSAMINE 9,718,978 those who directly interact with the residents. JOHNSON 10,764,618 ROBERTSON 696,510 CALDWELL 5,733,550 KENTON 28,059,001 ROCKCASTLE 5,637,560 Kentucky currently has about 600 nursing CALLOWAY 21,201,802 KNOTT 7,455,421 ROWAN 15,062,587 homes, 100 assisted living facilities and about CAMPBELL 22,527,968 KNOX 7,595,500 RUSSELL 6,563,178 600 other residential centers or agencies that CARLISLE 1,424,270 LARUE 5,333,007 SCOTT 12,013,972 provide care for the elderly or disabled. A federal CARROLL 2,716,613 LAUREL 17,124,691 SHELBY 13,617,230 study released earlier this year found that at CARTER 10,899,817 LAWRENCE 4,283,300 SIMPSON 5,374,555 least 92 percent of nursing homes nationwide CASEY 5,047,735 LEE 2,154,765 SPENCER 4,138,423 employed at least one person who has been LESLIE 4,464,851 CHRISTIAN 16,842,789 convicted of a crime. CLARK 10,572,359 LETCHER 9,970,740 TAYLOR 9,072,651 CLAY 8,793,064 LEWIS 5,618,466 TODD 2,628,852 (Information for this article came from the following CLINTON 4,139,231 LINCOLN 8,900,313 TRIGG 5,326,341 source: Yetter, Deborah. “Kentucky Gets $3 Million CRITTENDEN 2,075,605 LIVINGSTON 2,909,842 TRIMBLE 1,906,278 Grant for Background Checks on Elder Care Workers.” Th e Courier-Journal. June 22, 2011.) CUMBERLAND 2,572,104 LOGAN 8,606,390 UNION 3,816,143 DAVIESS 33,205,962 LYON 3,124,304 WARREN 48,791,688 Eff ective July 29, 2011, the KRTA Legaline will EDMONSON 3,018,085 WASHINGTON 3,404,497 say farewell to attorney Lee Remington Williams, MADISON 41,875,340 ELLIOTT 1,822,100 WAYNE 7,156,848 who is leaving the law fi rm of Buckman, Farris & MAGOFFIN 5,155,618 WEBSTER 4,459,885 ESTILL 4,427,457 Rakes, PSC, to embark upon a full-time teaching FAYETTE 88,041,172 MARION 5,095,048 WHITLEY 18,553,725 FLEMING 5,074,921 MARSHALL 11,468,566 WOLFE 3,779,999 career at Bellarmine University. Ms. Williams has FLOYD 17,082,119 MARTIN 4,209,939 WOODFORD 8,942,725 worked with the KRTA Legaline in some capacity FRANKLIN 23,586,330 MASON 6,216,039 since she was in college. She has served as the FULTON 2,435,003 MCCRACKEN 22,055,363 primary staff attorney for general KRTA Legaline MCCREARY 6,015,814 questions since 2007. Though her departure GALLATIN 674,067 MCLEAN 3,313,441 TOTAL BENEFITS will be missed, Buckman, Farris & Rakes, PSC, GARRARD 5,377,933 MEADE 5,588,740 DISTRIBUTED IN will continue to operate the Legaline by proudly GRANT 5,558,655 MENIFEE 1,840,025 KENTUCKY serving Kentucky’s retired teachers as it has since MERCER 7,231,079 GRAVES 12,473,985 $1,386,701,737 1991. METCALFE 3,403,928 Eric G. Farris BUCKMAN, FARRIS & RAKES, PSC P. O. Box 460 Th is article has been reprinted with permission from the Kentucky Teachers’ Retirement System, It appeared Shepherdsville, KY 40165 in the May 2011 issue of KENTUCKY TEACHERS RETIREMENT SYSTEM RETIRED MEMBER EDITION. 502-955-7181/fax: 502-543-7185 PAGE 12 KRTA NEWS SEPTEMBER 2011

How Grandparents estate. Contributions to a 529 plan grow estate tax purposes. be used for education, plus it removes tax deferred, and withdrawals used for the money from your estate. And you Example: In the previous example, if Can Help the benefi ciary’s qualifi ed education are still free to give your grandchild a Mr. Brady were to die in Year 2, his total expenses are completely tax free at the separate tax-free gift each year up to the Year 1 and 2 contributions ($26,000) Grandchildren with federal level (and at the state level too). $13,000 limit. would be excluded from his estate. But College Costs Th ere are two types of 529 plans: college the remaining portion attributed to him However, colleges will oft en reduce a brought to you by savings plans and prepaid tuition plans. in Years 3, 4, and 5 ($39,000) would be student’s fi nancial aid by the amount College savings plans are individual included in his estate. Th e contributions of the grandparent’s payment. Before KRTA FINANCE investment-type accounts off ered attributed to Mrs. Brady ($13,000 per sending a check, ask the school how it & INVESTMENT LINE by nearly all states and managed by year) would not be recaptured into the will aff ect your grandchild’s eligibility for 1-800-927-0030 fi nancial institutions. Funds can be used estate. school-based aid. If your contribution at any accredited college in the United will adversely aff ect your grandchild’s Henry Hensley & Associates, Inc. Another attractive feature of 529 plans States or abroad. Prepaid tuition plans fi nancial aid package, another option Raymond James Financial Services is that under current law, grandparent- allow prepayment of tuition at today’s is to give the money to your grandchild owned 529 accounts are excluded by prices for the limited group of colleges— aft er graduation to help him or her pay the federal government’s fi nancial aid typically in-state public colleges—that off student loans. As the cost of a college education formula. So a participate in the continues to climb, many grandparents grandparent- Private elementary/secondary school plan. are stepping in to help. Th is trend is A 529 plan owned 529 plan Finally, if you’re interested in expected to accelerate as baby boomers, Grandparents can be an won’t impact excellent way contributing to your grandchild’s many of whom went to college, become can open a 529 a grandchild’s for grandparents private elementary or secondary school grandparents and start gift ing what’s account and name chances of to contribute to education, a Coverdell education savings predicted to be trillions of dollars over a grandchild as a grandchild’s qualifying for account (ESA) can help. Up to $2,000 the coming decades. benefi ciary (only college education federal aid. while simulta- per benefi ciary can be contributed to a one person can be Helping to pay for a grandchild’s college neously paring However, if Coverdell ESA each year. Like funds in a listed as account education can bring great personal down their own you need the 529 plan, the money grows tax deferred owner, though), estate. satisfaction and is a smart way for money in your and is tax free at both the federal and or they can grandparents to pass on wealth without 529 account for something other than state levels if used to pay the benefi ciary’s contribute to an existing 529 account. having to pay gift and estate taxes. So the benefi ciary’s college expenses— qualifi ed education expenses, including Grandparents can contribute a lump what are the best ways to accomplish for medical expenses or emergency private elementary and secondary school sum to a grandchild’s 529 account, or this goal? purposes, for example—you’ll face as well as college. But there are income they can contribute smaller, regular a double consequence: the earnings limitations on who can contribute to an Outright cash gifts amounts. portion of the withdrawal is subject to ESA. Specifi cally, married couples with A common way to help with college Regarding lump-sum gift s, a big a 10% penalty and will be taxed at your a modifi ed adjusted gross income over costs is to make an outright gift of advantage of 529 plans is that under ordinary income tax rate. $220,000 ($110,000 for individuals) cash or securities. But this method special rules unique to 529 plans, can’t contribute. Also, note that funds in a grandparent- has drawbacks. If you gift the money individuals can make a lump-sum gift of owned 529 plan may still be factored in directly to your grandchild, he or she up to $65,000 ($130,000 for joint gift s by when determining Medicaid eligibility, might spend it on something other married couples) and avoid federal gift unless these funds are specifi cally than college. Also, a gift of more than tax. A special election must be made to exempted by state law. the annual federal gift tax exclusion treat the gift as if it were made in equal Henry Hensley amount $13,000 for individual gift s, Raymond James installments over a fi ve-year period, and Note: Investors should consider the Financial Services, $26,000 for joint gift s might have gift no additional gift s can be made to the investment objectives, risks, charges, tax and generation-skipping transfer benefi ciary during this time. and expenses associated with 529 plans (GST) tax consequences (GST tax is before investing. More information about Example: Mr. and Mrs. Brady make an additional gift tax imposed on gift s specifi c 529 plans is available in each a lump-sum contribution of $130,000 made to someone who is more than issuer’s offi cial statement, which should to their grandchild’s 529 plan in Year one generation below you). Note that be read carefully before investing. Also, 1, electing to treat the gift as if it were Did you know . . . the $13,000 fi gure is for 2011. Th e before investing, consider whether your made over 5 years. Th e result is they are exclusion is indexed for infl ation, so state off ers a 529 plan that provides • If your grandchild doesn’t go considered to have made annual gift s this fi gure may increase in future years. residents with favorable state tax benefi ts. to college or gets a scholarship, of $26,000 ($13,000 each) in Years 1 you can name another grandchild Another drawback to outright gift s Pay the college directly through 5 ($130,000 / 5 years). Because as benefi ciary with no penalty is that a gift becomes an asset of the the amount gift ed by each spouse is Another excellent way for grandparents • Many states off er income tax student, and the federal government within the annual gift tax exclusion, the to help their grandchildren with college treats student assets more harshly than Bradys won’t owe any gift tax (assuming deductions for contributions costs is to pay the college directly. Under parent assets for fi nancial aid purposes. they don’t make any other gift s to their to their 529 plan federal law, tuition payments made Students must contribute 20% of their grandchild during the 5-year period). In • A recent survey of grandparents directly to a college aren’t considered assets each year toward college costs, Year 6, they can make another lump-sum revealed that over half were—or taxable gift s, no matter how large the compared to 5.6% for parent assets. contribution and repeat the process. In planned on—contributing to their payment. So you don’t have to worry Fortunately, there are better options Year 11, they can do so again. grandchildren’s college education available. about the $13,000 annual federal gift Signifi cantly, this money is considered tax exclusion. But this is true only for (Source: Financial Research Corporation 529 plans removed from your estate, even though tuition—room and board, books, fees, A 529 plan can be an excellent way one grandparent can still retain control equipment, and other similar expenses Please keep your e-mail address updated. for grandparents to contribute to a over the funds if he or she is the 529 don’t qualify. Aside from the obvious Notify us at prorated portion of the contribution tax advantage, paying tuition directly to grandchild’s college education, while [email protected] simultaneously paring down their own would be “recaptured” into the estate for the college ensures that your money will SEPTEMBER 2011 KRTA NEWS PAGE 13

Metcalfe County RTA Taylor County RTA Sing the Birthday Song, blow out the AROUND THE STATE . . . candles, pass around the cake: Taylor County Retired Teachers Association celebrated its 30th birthday! TCRTA held its spring birthday meeting on Tuesday, May 17, 2011, in the Imani Center of Grayson County RTA the First Baptist Church. Lunch was a fundraiser of the Senior Mothers Board Cameron Roberson of Leitchfi eld was of First Baptist Church. honored for winning an essay contest about grandparents. Roberson, a student Following lunch TCRTA members at Lawler Elementary, was awarded a were informed and entertained by $25 gift certifi cate from Grayson County Stefanie Tudor was presented a check by Representative Bam Carney and State Carolyn Edwards, MCRTA Scholarship Retired Teachers Association presented Senator Jimmy Higdeon. Chairman. This is the fi rst scholarship to by Bonnie Blanton. Pictured with be presented by MCRTA. A special report on our local and state Roberson and Blanton are his parents, winner in the Grandparent Essay Greg Roberson and Laura Roberson. was then presented by that honored Roberson wrote about his grandfather, Submit information about your grandparent Diane Rogers, the AARP/ Jim Dill. local RTA activities to KRTA Kentucky Grandparent of the Year. Courtesy of Th e Record in Grayson County [email protected] Diane’s granddaughter, Taylor County Elementary fi ft h-grader Elizabeth Rogers All photographs must be wrote the winning essay and received Bullitt County RTA electronic or originals. We her awards at the awards ceremony in cannot use newspaper Louisville on April 19 before an audience Nearly two dozen educators were recognized at the May meeting of BCRTA. clippings. of hundreds of retired educators. Joining Retireees enjoyed music of Hebron Middle School’s jazz band and enjoyed a Elizabeth at the ceremony were her family Th e deadline for the December delicious dinner. KRTA 2010-2011 President, Melanie Wood, was the keynote and Taylor County Elementary Principal issue is October 12 speaker. Brian Cliff ord. To read Elizabeth’s essay and watch a video, go online to AARP Certifi cates of recognition were presented by 49th District Representative Linda (Continued from “Personally Speaking” KY’s website: www.aarp.org/ky. Belcher and Bullitt County Judge/Executive Melanie Roberts. Bullittt County page 2) School Superintendent, Keith Davis, presented engraved brass retirement bells to each honoree. BCRTA President Janet Richardson presented retirees with What is the value of these workshops? gift s as the program concluded. The purpose of these meetings is to inform, inspire, and challenge each member in attendance. Every participant is urged to take the message “back Some of home,” emphasizing the need for the retired improved KRTA membership and for teachers each current KRTA member becoming gathered better informed about KRTA’s Health for a special & Insurance and Legislative programs. ceremony at the First Also, KRTA members need to become Baptist better informed about KTRS. Church of It is my great privilege to serve as your Shephersville. executive director. With each passing day, my excitement grows about working toward the continuing progress of KRTA. It is my sincere desire that we keep communicating with each other. Thus, in the coming year please let us hear from Left to Right: Outgoing BCRTA you about your concerns and interest in President, Janet Richardson; our association. House of Representatives and Past BCRTA President, Honorable Linda Belcher; retiring principal of Bullitt Lick Middle School, Johnda Conley; KENTUCKY TEACHERS’ REGISTRATION SEMINAR Bullitt County Judge Executive and RETIREMENT SYSTEM 8:30 a.m. - 9:00 a.m. 9:00 a.m. - 12:00 KRTA Member, Melanie Roberts; (Local Time) Bullitt County Public Schools PRE-RETIREMENT SEMINARS (Local Time) Superintendent & KRTA Associate Member, Keith Davis September 10, 2011 October 1, 2011 October 15, 2011 Lake Cumberland Resort Crowne Plaza Hotel Holiday Inn Univ. Plaza 5465 State Park Road 830 Phillips Lane 1021 Wilkinson Trace Th ese pictures and information are courtesy of the Pioneer News in Bullitt Jamestown, KY Louisville, KY Bowling Green, KY County. Th ey appeared in the June 6, 2011 issue. PAGE 14 KRTA NEWS SEPTEMBER 2011 MISCELLANEOUS INFO . . . 2011 FALL WORKSHOPS DISTRICT DATE PLACE CONTACT PERSON YOU MIGHT WANT TO KNOW Jeff erson County Fri. Aug 26 U of L Alumni Club Titus Exum 10:00 AM Louisville 2806 Spring Bud Ct. Louisville, KY 40220 502-499-5615 Learning from the Past Central Ky East Mon. Aug 29 Natural Bridge State Park Danny Presnell 9:00 AM Slade 118 Armitage Dr. On March 25, 2011, Kentucky Governor Steve Beshear line-vetoed language in the Richmond, KY 40475 House Bill 1 of the 2010 Special Session of the Kentucky legislature that would have 859-582-3602 required substantial budget cuts to the state’s education system. Th e day marked a Central Ky West Tues. Aug 30 Th omas/King Conf. Ctr. Ellie Th ompson substantial boost in the morale of educators and administrators across the state as 9:00 AM Georgetown 962 Kentontown Rd. they received a reprieve from the long trend of decreasing funds for education in the Mount Olivet, KY 41064 606-724-5080 Bluegrass. Education has always been touted as the key to a successful society, but the Northern Wed. Aug 31 Triple Crown C’try Club J.B. Losey path to enlightenment has not always been easy for Kentucky students, as national 9:00 AM Union 3521 Visalia Rd. confl ict, social inequality, and funding shortages have proven to be the education Morning View, KY 41063 system’s biggest obstacles. 859-356-6168 Fift h Th urs. Sep 1 Aquatic Center Shirley Sills How did this constant struggle aff ect the course of 9:00 AM Buckner 2121 Hieatt Lane Kentucky’s future? How did students in the past and Smithfi eld, KY 40068 present work to overcome these problems to continue 502-845-7290 their education? As the only single-volume history First Mon. Sep 12 Kenlake State Park Don Sparks of the education system in the Commonwealth, 9:00 AM Hardin 307 Golf Club Ln. A History of Education in Kentucky by William E. Mayfi eld, KY 42066-1316 Ellis illuminates the successes and failures that have 270-247-6454 brought public and private education in the Bluegrass Second Tues. Sep 13 First Christain Church Nell Ritzheimer to its current status, telling the story of Kentucky’s 9:00 AM Hopkinsville 500 Foston Chapel Rd. Hopkinsville, KY 42240 students, teachers, and policy makers from the 70-885-5268 settlement of the state to the present day. Th ird Wed. Sep 14 Barren River State Park Willadean Carter Ellis discusses the chain of events that led to a higher 9:00 AM Lucas 207 Beechwood Drive education system, exploring the history behind Tompkinsville. KY 42167 270-487-8302 Kentucky universities. Starting with Transylvania Fourth Th urs. Sep 15 KY Home Country Club Margaret Sims University, established in 1780, Kentucky universities 9:30 AM Bardstown 145 Castleton Dr. began to fl ourish. Centre College and Georgetown Bardstown, KY 40004-2531 College emerged in the years before the Civil War, and soon aft er, State College in 502-349-0055 Lexington, now known as the University of Kentucky, assumed the title of the state’s Middle Cumberland Mon. Sep 19 Dale Hollow State Park Wayne Ryan fl agship university. Ellis delves into all aspects of this development, examining 9:30 AM Burkesville 2060 Grider Hill Dock Rd. the bureaucratic and religious powers that led to their establishments, while also Albany, KY 42602-7167 investigating student life, the eff ects of changes in social order including the admission 606-387-7480 of women and desegregation, and how each institution reacted to and endured national Upper Cumberland Tues. Sep 20 Pine Mountain State Park Jim Connor crises such as the world wars and the Vietnam War. 9:00 AM Pineville 605 Whitley St. London, KY 40741-2628 Th e work not only covers the history of higher education in Kentucky, but also the 606-309-0906 history of its primary and secondary schools. Th e history of the public education system Upper Ky River Wed. Sep 21 Buckhorn State Park Judy Spencer in Kentucky is both lengthy and dramatic, as it has survived many signifi cant national 9:00 AM Buckhorn RR 3 Box 606 events, fi nancial problems, and social obstacles. Th e one-room school houses of Booneville, KY 41314 606-593-5274 antebellum Kentucky faced virtual extinction during and aft er the Civil War, and a lack Big Sandy Th urs. Sep 22 Jenny Wiley State Park Gerald Preston of funding and popular support contributed to the general decrease in quality among 9:00 AM Prestonburg 133 Iris St. teachers and facilities. For almost seventy years, the system continued to be greatly Paintsville, KY 41240 aff ected by social confl ict and change, as racism and segregation led to inequality in 606-789-5830 the classroom and a major upheaval during the civil rights movement of the 1950s and Eastern Fri. Sep 23 Carter Caves State Park Ann Porter 1960s. Ellis also investigates some of the most recent policies to infl uence Kentucky 9:00 AM Olive Hill 3065 Augusta Dover Rd. education; including the 1990 Kentucky Education Reform Act and the national No Augusta, KY 410021 Child Left Behind law. 606-584-2510 Registration begins at 8:30 AM local time except for Fourth District and Middle Cumberland A History of Education in Kentucky is a comprehensive guide to the history of which begins at 9:00 AM EST. Jeff erson District begins at 9:30 AM EST. Kentucky schools, delving into the social, economic, and political factors that shaped their development. Ellis’s volume is a needed addition to literature on Kentucky’s Th e “KRTA/AARP-KY Yes, We Can Feed Kentucky” history, providing a valuable account of events and decisions in Kentucky education, but also serving as an important resource for future educators and administrators. project’s purpose is to encourage RTA locals and AARP- A KRTA member William E. Ellis, Foundation Professor of History Emeritus at Eastern KY chapters to collect food items for their local food Kentucky University, is the author of several books, including Th e Kentucky River and banks. Participation will be measured by the “number of A History of Eastern Kentucky University. In 1999, he received the Governor’s Award food items delivered to a local food bank.” We are not for his book, Robert Worth Bingham and the Southern Mystique. specifying the type of food or the organization which A HISTORY OF EDUCATION IN KENTUCKY by William E. Ellis receives the donations locally. Publication Date: June 17, 2011 • $40.00 • ISBN: 978-0-8131-2977-8 For more information, contact: Mack McCormick, Publicity Manager, 859/257-5200, Timeline for “Yes, We Can Feed Kentucky” [email protected] May 1- December 31, 2011 To be listed on 2012 Local Recognition Form SEPTEMBER 2011 KRTA NEWS PAGE 15

FOR YOUR INFORMATION Q uips, Quotes & Puzzles KRTA OFFICE 1 .800.551.7979 ~ 502.231.5802 ~ 502.231.0686 (fax) [email protected] (e-mail) www.krta.org (web site) The Green Thing KRTA LEGALINE 1.800.232.1090 In the line at the store, the cashier told the older woman that she should bring [email protected] Buckman, Farris & Rakes Shepherdsville, Kentucky her own grocery bag because plastic bags weren’t good for the environment. Th e woman apologized to him and explained, “We didn’t have the green KRTA FINANCE & INVESTMENT INFO thing back in my day.” Hank Hensley 1.800.927.0030 NHA LONG-TERM CARE INSURANCE Th e clerk responded, “Th at’s our problem today. Th e former generation did 1.866.899.5796 not care enough to save our environment.” He was right, that generation didn’t have the green thing in its day. DELTA DENTAL INSURANCE 1.866.480.4872 Back then, they returned their milk bottles, soda bottles and beer bottles to AVESIS KRTA VISION PLAN the store. Th e store sent them back to the plant to be washed and sterilized Enrollment 1.800.466.5182 ~ Provider Questions 1.800.828.9341 and refi lled, so it could use the same bottles over and over. So they really www.avesis.com were recycled. AUTOMOBILE & HOMEOWNERS INSURANCE But they didn’t have the green thing back in that customer’s day. In her day, Liberty Mutual Insurance Company they walked up stairs, because they didn’t have an escalator in every store 425.8450, ext. 51666 (from Louisville) and offi ce building. Th ey walked to the grocery store and didn’t climb into a 1.800.430.2482 ext. 51666 (from outside Louisville) 300-horsepower machine every time they had to go two blocks. Please mention Client No. 8815 when you call But she was right. Th ey didn’t have the green thing in her day. HEARING INSTRUMENT PLAN—HEAR IN AMERICA 1.800.286.6149 Back then, they washed the baby’s diapers because they didn’t have the throw-away kind. Th ey dried clothes on a line, not in an energy gobbling RIPE! for Retirement 502.326.8962 or [email protected] machine burning up 220 volts—wind and solar power really did dry the clothes. Kids got hand-me-down clothes from their brothers or sisters, not KY TEACHERS’ RETIREMENT SYSTEM always brand-new clothing. 1.800.618.1687 or www.ktrs.ky.gov But that old lady is right; they didn’t have the green thing back in her day. COMMONWEALTH CREDIT UNION Back then, they had one TV, or radio, in the house—not a TV in every room. 1.800.228.6420 or www.ccuky.org And the TV had a small screen the size of a handkerchief, not a screen the COMFORT KEEPERS size of the state of Montana. In the kitchen, they blended and stirred by hand 1.877.257.KRTA or www.comfortkeepers.com because they didn’t have electric machines to do everything for you. When HOME INSTEAD SENIOR CARE they packaged a fragile item to send in the mail, they used a wadded up old 1.866.886.6831 or www.seniorcarelouisville.net newspaper to cushion it, not Styrofoam or plastic bubble wrap. Back then, they didn’t fi re up an engine and burn gasoline just to cut the lawn. Th ey NORTH AMERICAN LIFE PLANS including LifeLock used a push mower that ran on human power. Th ey exercised by working so 1.888.362.1214 or [email protected] they didn’t need to go to a health club to run on treadmills that operate on www.krtadiscountplans.com electricity. TRAVEL Bluegrass Tours 1.800.755.6956 or 1.859.252.5744 But she’s right; they didn’t have the green thing back then. Th ey drank from a fountain when they were thirsty instead of using a cup or a plastic bottle every time they had a drink of water. Th ey refi lled their writing pens with ink instead of buying a new pen, and they replaced the razor blades in a razor instead of throwing away the whole razor just because ORDER FORM the blade got dull. KRTA MEMBERSHIP PIN But they didn’t have the green thing back then. Please send ______pins @ $2.50 each to Back then, people took the streetcar or a bus and kids rode their bikes to ______school or rode the school bus instead of turning their moms into a 24-hour taxi service. Th ey had one electrical outlet in a room, not an entire bank of ______sockets to power a dozen appliances. And they didn’t need a computerized ______gadget to receive a signal beamed from satellites 2,000 miles out in space in order to fi nd the nearest pizza joint. Enclosed is the check in the amount of $______. But isn’t it sad the current generation laments how wasteful the old folks Send completed Order Form to: KRTA were just because they didn’t have the green thing back then? 7505 Bardstown Road Louisville, KY 40291-3234 PAGE 16 KRTA NEWS SEPTEMBER 2011 Deceased Retired Teachers APRIL, MAY, JUNE 2011 “. . .these immortal dead who live again in minds made better by their presence . . .”

ADAIR CALLOWAY Eleanor Rosser KENTON Patricia King Ralph McQueary Sarah Brown Katheryn Sizemore Eugene C Blankenbaker Justine Lovell Christine Wilkinson Roy Hatton F Talbert Larry O Davis Hatler Slone ANDERSON Alice Koenecke Justus Underwood Edna Donsback Jean Th acker Denval Barriger Dr Charles W Moore FLOYD Sue Kidwell POWELL BARREN Vernie Parker Hugo E Miller Donald Romer James Potts Marilouis Chamberlain Jean Smith Hillard Newman Jo Schneider PULASKI Billy Elmore Joan Wilson Carole Rice KNOTT Bernard Burton Olga Norris CAMPBELL Marcella Shepherd Archie Hall Athlene H Cecil BATH Eleanor Galvin FRANKLIN Zelma Smith ROCKCASTLE Minnie Hill Marvin Metz Barbara Barnett KNOX Lucy Harris John Maddox Kathy Sherrill Ben Bryan HaroldWest Russell Parsons Esther Stacy CARTER Harold Fenderson LAUREL ROWAN BELL Aurella Steele William Fleming Ina Hale William Counts Millard Blanton CHRISTIAN GALLATIN Lucille D Parrott Juanita K Crawford Lucy Stephens Janice Dunn Moses Orem Stella Watkins Watt White BOONE Mildred Harrison GRAVES LAWRENCE RUSSELL Zelma Shinkle CLARK Sandra Addison Eugene Cline Allene W Bernard BOURBON Dallas Hall HANCOCK LETCHER Larry West Mary Tucker Madeline Ratliff Nell Dieterle Delores Frazier SCOTT David Wagoner James T Snapp HARDIN Velma M Trivette Emma Kleinhenz BOYD CLAY Mildred Grimes LEWIS Cecile McBrayer Esther Flannery Billie Bowling Jewell Jones Bonnie Ferguson SHELBY Ramey Fletcher CRITTENDEN Susie Parker Alice Wallingford Frank W Mathews Jr Opal Mayo Martyne Parker Nellie Woodring LIVINGSTON Ralph M Taylor BOYLE DAVIESS HARLAN Helen Tracy TAYLOR Ernest Brock James Daniel Edell R Gray LOGAN Elvin E Durham Elizabeth Duncan David E Deering HARRISON Kenneth Bond TRIGG Ralph McKee Martha Duncan Aleta McGlone Joanne Flowers Janice Davie BREATHITT Maurine Grant Adrian Osborne MADISON UNION Burnice Griffi th Erma Hunt HART Landis D Baker Patsy Hooper James Oaks Barbara Snowden Marianna Meadows Rosemary T Burrus WARREN BRECKINRIDGE Juliette Walker HENDERSON John M Deck Anise Buford Bernard Lewis FAYETTE Billy Wayne Inez Maupin Forrest K Campbell BULLITT Leeann Fitzpatrick HOPKINS Charles Reedy Carl Chelf Nanette Abell-Bauer Seneatha France Mary H Finley Jackson A Taylor Simon Chen Ida Harned Isabel Grott JACKSON MARION Robert Dawson Betty Roney Diane Jones Ophelia Witt June Elliott Dero Downing BUTLER Niana McIntyre JEFFERSON MASON Lena Ellis Charles B Gary Maude P Noel Jerry E Adams Mary V Moyer Mae Gott CALDWELL Charles Quillings Elizabeth Alexander MCCRACKEN Everett Hancock Harry Byrd Violet Rose Louise J Archer Barbara Hale Robert Kimbler Bessie Bowling Jane S Lindsey Charles Mathison Gerald Cahill MORGAN WAYNE KENTUCKY RETIRED TEACHERS ASSN. Mildred R Duncan Joe Gold Alma New 7505 BARDSTOWN ROAD KRTA OFFICE STAFF Kenneth B Farmer MUHLENBERG WEBSTER LOUISVILLE, KY 40291-3234 502-231-5802 Rosella Farris James Atkins Gail Bridwell DR. ROBERT WAGONER 1-800-551-7979 Martha Gaskill Dorothy Owens Claude Hicks EXECUTIVE DIRECTOR 502-231-0686 (FAX) George Hicks Joan Wells James Whitledge JANIE CASLOWE [email protected] (E-MAIL) Dorothy B Kurk NELSON WHITLEY DEPUTY EXECUTIVE DIRECTOR www.krta.org (WEB SITE) Pearl Lucas Mary Phelps Willie Calder MEMBER SERVICES OFFICE HOURS Carl Metcalf NICHOLAS Donold Rhodes FRANK HATFIELD MON.- FRI. 8:30 AM - 4:00 PM Hugh W Moseley Viola Pumphrey WOLFE EXECUTIVE DIRECTOR EMERITUS George R Olliges OHIO Marleen Strong CARLA HAHN, SECRETARY KRTA NEWS Sharon Parham Lanelda Chambers WOODFORD CHARLOTTE LINDLEY, RECEPTIONIST (PUBLISHED QUARTERLY) Gary L Parker OLDHAM Harold Newman BRENDA MEREDITH, EDITOR Dorothy Patterson Hugh E Barnes [email protected] Patricia Pelfrey PENDLETON Allan B Pennington Nancy Harville KRTA OFFICERS Paul Stevenson PERRY

EDWIN COOK, PRESIDENT Lavada S Wilson Ora Maggard JIM FRANK, PRESIDENT-ELECT Louise Wilson Johnny M Salyers CAROLYN FALIN, VICE-PRESIDENT Horace P Wise PIKE MELANIE WOOD, PAST PRESIDENT Elmer Young Patty J Coleman Anna Hankins