A QUARTERLY PUBLICATION Retired Teachers Association Serving Retired Teachers Since 1957 VOLUME XLIV, NUMBER 2 LOUISVILLE, KENTUCKY DECEMBER 2009

Over the past two months, I have had the pleasure of useless. So my talk today is not billion to the Commonwealth in 2010. Averaged out traveling around the state meeting with over 1,500 of just about this year or next, but over the last three years, that equals 6,800 jobs at you at our KRTA Workshops. It has certainly been a busy about a thought process for the $40,000 each. But our legislators and governor’s office time, but I have thoroughly enjoyed meeting as many of rest of your lives. And I hope to seem to be more excited by a Toyota Plant or a you as I could and sharing my message about how be watching for the next thirty International Horse Show than the well being of our “United We Win.” Since not all of you were able to join years and keeping tab. own retired teachers. As retired teachers, we must us at the workshops, I wanted to share some of the text of unite to make our state government realize that they my speech with you in our newsletter this month. I used As you can see my theme for must place more importance on the needs of this an analogy in the speech about building and construction. the workshops is United We dedicated group of professionals. In my presentation, I had some images that my son, John Win. Now why did I choose this Cebert Gilbert C. Gilbert, a project manager with Ross Tarrant as a theme? Mainly because, KRTA President As a woodworker, craftsman, and dabbler in Architects, helped me put together. You’ll have to bear over my years of experience in construction, I like to make the analogy that our goals that in mind as you read my speech. You also missed out education, I’ve come to realize that, as as retired teachers are similar to the construction of a on some good jokes! At any rate, it is the message I want professionals, we are not united in our thoughts and new building. By that I mean that we must plan first, to share with all of you; and I hope that you’ll not just actions as teachers or retired teachers. Back when then construct, and finally, finish the job at hand. So read this speech, but act on it. I was superintendent, I always told my teachers what can we do to set our own long-term goals? First

and staff to put their God first, their families second we must get in the ditches and start digging in for a and their careers third. Too often, I would see well-constructed plan of survival. We have retired Past President Billy Triplett’s theme last year was teachers putting their careers first and losing teachers substituting back in the classroom, working about numbers. I thought about that in the sense that everything. So today I want you to listen to the at Walmart or Lowe’s, taking in ironing and odd jobs what good is a million dollars if you put it in a safe information presented; because now, as retired to survive. Is this right for a professional educator to deposit box and never get it out? It really does not education professionals, we have only Our God and work for 27, 30, 35 or 40 years and not be able to live help you or the economy. The same goes for your families, and please don’t forget, we all are family a good life in their latter years? I think that we can all vote—your voice in our political process. If you had as retired teachers. We must commit to one another agree that this is unacceptable, but we also realize a million votes and never voted, your voice becomes and be united in our goals. that it is a sad fact of life for many retired teachers.

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LOUISVILLE (Continued on page 17)

IN THIS ISSUE . . . Workshop Fun & Friends ...... 14 A MESSAGE FROM THE PRESIDENT ...... 1 2010 KY GENERAL ASSEMBLY: KRTA Guide .9 Constitutional Officers, Committees, United We Win PERSONALLY SPEAKING Senators and Legislators From the Executive Director ...... 2 2010 KRTA LEGISLATIVE PROGRAM ...... 12 KRTA: Do All Your Retired Teacher KRTA PARTNERS Legaline ...... 15 Social Security & Pension Watch Finance & Investment ...... 15

PUBLICATION NATIONAL HEALTH ADMINISTRATORS

Long Term Care Insurance: Did You Know? . . 3 Delta Dental ...... 16 TERLY Filing a Long-Term Care Claim ...... 3 LifeLock ...... 16

Liberty Mutual ...... 17 QUAR

MULES & WILDCAT HEADS ...... 3 A 2009 FALL WORKSHOPS REPORTS & PHOTOS ComfortKeepers ...... 17 President Gilbert ...... 4 MISCELLANEOUS INFO Vice-President Wood ...... 4 September 2009 Directory Revisions ...... 18 KTRS Pre-Retirement Seminar ...... 18 Membership ...... 5 Legislative & Health ~ Insurance ~ Wellness . . 6 Social Security/Medicare Update ...... 18 Kentucky Retired Teachers Association Teachers Retired Kentucky AARP ...... 6 Opportunities to Save ...... 18 KTRS ...... 7 Are You at Risk for ID Theft? ...... 18 FOR YOUR INFORMATION ...... 19 Humana & Medco ...... 8 District Presidents & Business Partners ...... 13 QUIPS, QUOTES & PUZZLES ...... 19

Legislators ...... 14 DECEASED RETIRED TEACHERS ...... 20

Louisville, Kentucky 40291-3234 Kentucky Louisville, 7505 Bardstown Road Bardstown 7505 PAGE 2 KRTA NEWS DECEMBER 2009

PERSONALLY SPEAKING . . . Social Security & Pension Watch Social Security News Security credits and then entered HR 235 (Social Security Fairness Act) teaching in Kentucky and taught 20 years, that teacher could lose more than Politics is not a Spectator Sport! currently has 311 co-sponsors. These Kentucky Representatives (Ben half of his/her earned Social Security National Healthcare Reform Chandler, , , retirement benefits. Bob Wagoner As I write this, Congress has turned Hall Rogers, and John  If a teacher's spouse was a Social its total attention to healthcare reform Yarmuth) have signed on as co-sponsors Security earner and preceded the and the rhetoric has increased. I of HR 235. These individuals should teacher in death, the teacher would lose Executive Director cannot help but think that family, be applauded for recognizing the harm the earned Social Security spousal friends and former colleagues will the Windfall Elimination Provision death benefit. approach you with questions and (WEP) and the Government Pension Write your letter today! concerns about what healthcare reform Offset (GPO) are causing retired means. I view these conversations as a chance to help make sure that they are educators. An easy way for you to communicate able to draw upon facts rather than, sadly, the misinformation that may with our federal legislators on the WEP/ This bill would repeal the Social understandably be scaring them. GPO issue is through our website Security penalties applied to Social www.krta.org. Click on “Links” at the I suspect you, like me, have had a difficult time sorting out fact from fiction. Security benefits of Kentucky public top of the home page. On the “Links” Listed below are a few resources that I have used that you might find helpful. school educators, educators in 14 other page, click on “Your Representatives The following websites are run by nonpartisan organizations with no stake in states and some public employees in all in Congress.” On the “Your the current proposals that continue to be vigorously debated. 50 states. Repealing these penalties Representatives in Congress” page, 1. The Kaiser Family Foundation's side-by-side comparison of the details of are important to people affected by click on the specific senator or the leading proposals: http://www.kff.org/healthreform/sidebyside.cfm them. representative you wish to send an 2. The Annenberg Public Policy Center's fact checker: www.factcheck.org S 484 is the companion bill to HR 235. email. 3. Politifact.com's Truth-O-Meter: http://www.politifact.com/truth-o-meter/ Currently S 484 has 30 co-sponsors. KRTA continues to work closely with I have been asked on numerous occasions over the past several weeks, “How Unfortunately, neither Senator Bunning the Coalition to Preserve Retirement will national healthcare reform impact Kentucky's retired teachers?” My nor Senator McConnell has signed on Security (CPRS) on these important response is simply, “I do not know.” I talk almost daily with KTRS officials as co-sponsors. You can contact both social security issues (i.e., mandatory who are also monitoring events in Washington, D.C. The consensus opinion is of them through a link on our website social security, GPO and WEP). The that currently there are not enough details to know whether the potential impact (www.krta.org). attacks on public employees’ retirement would be positive or negative. A very important step in getting the HR security (i.e., Kentucky retired The easiest way you can communicate with our federal legislators is through 235 and S484 on the radar screen is teachers) remain and are increasing. our website: www.krta.org. Click on “Links” at the top of the home page. On for you to contact the Speaker of the KRTA continues to work on these the “Links” page, click on “Your Representatives in Congress.” On the “Your House Nancy Pelosi about HR 235 and issues at the national level with the Representatives in Congress” page, click on the specific senator or representative Senate Majority Leader Harry Reid Coalition to Preserve Retirement you wish to send an email. Their Washington mailing addresses are located about S 484. You want to urge them to Security (CPRS) and the Retired here, too. Let them know what you think about national healthcare reform. enact these bills (HR 235 and S 484) to Educators Association Social Security repeal the WEP and GPO provisions. Coalition. 2010 Kentucky General Assembly Here is their contact information. Pension News The Kentucky General Assembly is preparing for the 2010 legislative session Speaker of the House Nancy Pelosi that officially begins on Tuesday, January 5. Facing projected budget deficits NRTA has established a new U. S. House of Representatives collaboration with the National Institute over the next two fiscal years of over $1 billion, if not more, the Commonwealth 235 Cannon House Office Building of Kentucky finds itself in a serious situation. on Retirement Security (NIRS). To Washington, DC 20515 help provide RTA members across the KRTA watches the legislative process carefully each year, ready to act if our Senate Majority Leader Harry Reid country with research about public pension and healthcare are threatened. We must anticipate the worst of times U. S. Senate pensions, NRTA has joined NIRS, a while we hope for the best. Through our lobbying efforts, we will provide a 528 Hart Senate Office Building research and education not-for-profit strong voice of what current retired teachers believe concerning retirement Washington, DC 20510 organization in Washington, DC. The issues. The following are points you can use in relationship enables active and retired Politicians at the federal, state and local levels control our economic environment. your letter. educators to have access to an array This is an incontrovertible fact. We cannot expect others to expend the time of NIRS products and services — at and energy to become knowledgeable on our issues and then do the hard work  Kentucky has several thousand no cost — that can help strengthen RTA to keep the legislators and governor educated on our issues. We must do it. employees who qualify for Social advocacy efforts with state legislators You must do it. Your assignment is to clearly communicate to your state Security benefits or are married to a regarding the importance of public representative and senator this message. Social Security earner and are denied pensions. their earned retirement benefits. • Develop a plan that will stop the borrowing from the pension fund to pay NIRS was founded in 2007 by the  Most of these employees are retired teacher health insurance. National Council on Teacher teachers, police, and fire fighters. • Make no changes to the KTRS governance structure. Retirement, the Council of Institutional  Kentucky is one of 14 states where • Maintain KTRS as a Defined Benefit Group Retirement Plan. Investors, and National Association of public school teachers fall under this State Retirement Administrators. The Working together, we all play a part in keeping KRTA on the job. KRTA exists federal penalty. The law also affects organization was created to fill a gap to fight for the 38,000 retired educators in Kentucky. It also exists to fight for a some city and county employees. in understanding on the value that whole new generation of active educators who have yet to retire. Be ready to  If a teacher worked for 20 years in defined benefit pensions play in step onto the playing field when your number is called. We need all of our the private sector, earned Social members in the game. (Continued on next page) DECEMBER 2009 KRTA NEWS PAGE 3

Filing a Long Term Care Claim: Getting Started National Health Administrators Joseph P. Blanchette, CLTC

Long Term Care Insurance The “Claims Procedures” or “Claims Provisions” section of your policy will clearly outline the Did You Know? proper procedures for filing a Long Term Care insurance claim. These procedures are generally uniform among Long Term Care insurance companies, although some variations exist. Be sure to read them carefully and highlight key provisions. It’s better to ask questions now instead of KRTA members who bought the Future Care when you are trying to file a claim and are under stress. Here are a few key provisions dealing II Long Term Care insurance policy in 1992 with filing a claim. Save this article with your policy. and 1993 [Form LI-LTCP (KY) 192], which Give Formal Notice: It is your responsibility to give notice of a claim (or possible claim) to the was issued by Life Investors Insurance Company insurance company. Most companies prefer notice even if you are unsure that a claim will actually of America, were eligible for nursing home take place. Depending upon your policy, the initial contact may be allowed by telephone, but formal benefits if they: written notification will also be required. You will be expected to provide such information as: the 1) had an injury or sickness; or name of the claimant, policy number, a description of the Long Term Care need or medical condition, current phone number and an address where a claim form can be sent. 2) needed Human Assistance in performing 2 or more of the Activities Notify the Company as Soon as Possible: As soon as you feel you might qualify for benefits of Daily Living; or under your Long Term Care insurance policy, you or a family member should notify the insurance company. This helps expedite the process. Company representatives will open a file and mail out the 3) were dependent upon someone else for appropriate forms. They will also assign a nurse from your area who will visit you to conduct a needs continual supervision because of assessment, develop a plan of care, and help you identify caregiving providers. Cognitive Impairment. Proof of Loss and Benefit Payments: Once you have started to receive Long Term Care services, However, after September 20, 1993, these all companies will expect you to provide written proof that you have incurred expenses for covered policyholders and KRTA members who bought services that are outlined in your policy. Then, after you have satisfied your policy Elimination Period the newer Future Care II Long Term Care (waiting period), the company will make appropriate benefit payments to you. Be sure to keep copies insurance policy issued by Life Investors [Form of your bills to document services and incurred expenses. LI-LTCP (KY) 393] were not required to Keep Good Records: To avoid any confusion or miscommunication, it is a good idea to ask for the meet the above mentioned benefit triggers to name of the person with whom you or others have spoken, and secure their telephone number and qualify for nursing home confinement benefits. office extension. Write down the date and time of the call along with a brief note about your Only a Plan of Care from a physician would be conversation. Make copies of any forms that you mail to the company. People do make mistakes, so required. it is smart to stay on top of the claim filing process. Likewise, the KRTA Future Care group policy Problems Filing Your Claim: If you have followed these steps and have called the claims or with Life Investors that was approved in customer service line of your insurance carrier, let us know if you are having problems. December of 1996 [LI-GRP-LTCC (KY) Call us at 1-866-899-5796 and we will try to help. Following the steps above will make things much 1096], did not require that any of the above easier. mentioned benefit triggers be met before qualifying for nursing home confinement MULES & WILDCAT HEADS benefits. Only a Plan of Care from a physician Barry Welty: I wish I could have read this by Dean Bowling would be required. while I was in your class. I believe I could Interested in some funny anecdotes about grow- have used it to get a better grade in physics. Please note that this only applies to nursing ing up in the hills of Eastern Kentucky during the Funny. home confinement. In addition, because all 50’s & 60’s? Read MULES & WILDCAT HEADS Bro. Tom Starks: Very funny but I had one three plans were approved prior to January 1, written by a KRTA member Dean Bowling of problem. Having known you for only a little 1997, they were “grandfathered” and are Trimble Co. Find the book at over a year, all I could do was to picture considered tax-qualified plans. www.amazon.com or www.bn.com or your big adult head on that little boy’s body, 6/29/2009 www.xlibris.com or contact Dean at 502-255-7122 hotrodding around in all those stories. or 502-724-8854 or [email protected]. The book sells for $19.99 for the paperback and (Continued from “Social Security . . . ” on page 2) $29.99 for the hard cover (plus tax). ensuring retirement security for workers, as well as Reviews: their value to employers, and the economy. NIRS Greetings has a diverse membership of organizations including Alice Welty: I thoroughly enjoyed it. I could not Bob employee benefit plans, state and local agencies that put it down. Very funny. I could relate to a lot of & aryCarla manage retirement plans, trade associations, financial the stories. M & Betty Janie services firms, and other retirement service providers. Joanne Lawson: I really enjoyed it. A lot of people & The KRTA To find out more about the organization visit I know could definitely relate to it. I laughed a lot. Brenda office will be closed www.nirsonline.org. Nonda Alexander: I don’t know how you are alive. December You did so many crazy things. I thought it was Regular updates concerning Social Security and 23 through very good and awfully funny. Pension issues will appear in each issue of the KRTA January 3. News. Look for them. PAGE 4 KRTA NEWS DECEMBER 2009

Volunteer for Life “Volunteer of the Year” There is no better exercise for your Program heart, than reaching down and President-Elect helping to lift someone up. Melanie Wood Melanie introduced the newest KRTA program, Volunteer of the Year, to end with recognition at the 2010 KRTA Convention in April. WORKSHOP 2009 Why Do People Volunteer? Benefits of Volunteering • To help others On August 31, President Cebert Gilbert opened the first Volunteering is good for the heart of fourteen workshops in his own district, Central Ky. • To give back to the community and soul. — Steve Allen East. In the next four weeks, the travelling team covered • To work with other volunteers • To use their life experiences It is one of the most beautiful all districts in the Commonwealth of Kentucky. compensations of life, that no man • To learn new skills can sincerely try to help another Cebert’s theme, United We Win, showed in all the Source: AARP Survey presentations—beginning with Membership “. . . because without helping himself. — Ralph Waldo Emerson it’s everybody’s business” and ending with KTRS/Humana “protecting and preserving teachers’ retirement benefits.” So Long, Volunteers He emphasized the importance of attending local and by Erma Bombeck district meetings and the KRTA state convention to stay “well informed on all retirement issues.” I had a dream the other night that every volunteer in this land had set sail for another country. I stood smiling on Among those issues are two that are more important this year than the pier, shouting, “Good-bye, phone ever before—keeping the current retirement plan and the current level conversations. Good-bye disease-of-the- of health insurance benefits. In order to accomplish those goals, KTRS must month. No more getting out the vote. No be kept “strong and independent of politics” and “active and retired teachers more playground duty, bake sales, rummage sales, must work together to build a brighter future.” Of the 38,000 potential members, thrift shops, and three-hour meetings.” 26,500 retirees joined KRTA in 2009. Building that number and getting active As the boat got smaller, I reflected: “Serves them members to join as associates will create the “winning team” needed as votes right, that bunch of yes people. All they had to do of active and retired educators and their friends and family are cast. was to put their tongues firmly against the roofs of their mouths and make an ‘O’ sound—no. It would Cebert reminded workshop participants that the 1½ percent annual increase in certainly have spared them a lot of grief. Oh, well, retirement annuities is provided by KTRS and any additional COLA (cost of who needs them?” living adjustment) must be provided by the Legislature. Furthermore, borrowing The hospital was quiet as I passed it. The reception Melanie Wood from the retirement fund to pay for health insurance cannot continue. ONE desk was vacant. Rooms were devoid of books, KRTA President-Elect VOTE (One Chance to be United) from each of us will make the impact for flowers, and voices. The children’s wing held no clowns, no laughter. which Cebert is looking! “VOTE every time the ballot boxes are open.” The home for the aged was like a tomb. The blind listened for a voice that never came. The infirmed were imprisoned in wheelchairs that never moved. Food grew cold on trays that would never reach the Thanks hungry. The social agencies had closed their doors—unable to implement their Workshop Registration programs of scouting, recreation, drug control; unable to help the retarded, handicapped, lonely and abandoned. Health agencies had Karen Gilbert signs in their windows: “Cures for cancer, birth defects, multiple Mary Hines sclerosis, heart diseases, etc., have been canceled because of the lack Linda Humes of interest.” Jan Roundtree The schools were strangely quiet, with no field trips and no volunteer Dorris Tucker classroom aides. Symphony halls and the museums that had been built and stocked by volunteers were dark and would remain that way. The Mary Wagoner flowers in churches and synagogues withered and died. Children in Karen & Mary day nurseries lifted their arms, but there was no one to hold them in love. Alcoholics cried out in despair, but no one answered. The poor had no recourse for health care or legal aid. I fought in my sleep to regain a glimpse of the ship of volunteers just one more time. It was to be my last glimpse of a decent civilization. What Should I Do? KRTA Volunteer of the Year • Volunteer • Not based on number of hours • Encourage others to volunteer • Based on uniqueness of service Jan & Dorris • Keep an account of hours • Local RTA will submit name of • Give number of hours to designated candidate to district by February 19 Mary, Karen, Linda, Dorris Mary Hines person • Each district will submit winning candi- date’s name to KRTA by March 12 DECEMBER 2009 KRTA NEWS PAGE 5

reaching prospective MEMBERSHIP members when they are Where we’ve been . . . retired. Local It’s everybody’s It’s everybody’s associations are MEMBERSHIP COMPARISON CASH business encouraged to make 12AUTO 12TOTAL contact with local schools 30,000 12

through use of The 1 12

12 12 12 1 12

Cookie Tray Project (see 12 12 12 1 12 25,000 the CD provided at the 12 12 12 1 12 12 12 12 1 12

workshops). And 12 12 12 1 12 20,000 12 12 12 1 12 Ernie Trosper Betty Hester remember, research 12 12 12 1 12 Co-Chair Co-Chair 12 12 12 1 12 shows that “ninety percent 12 12 12 1 12 of people believe 15,000 12 12 12 1 12 The purpose of the diligence of Debby, 12 12 12 1 12 information passed to 12 12 12 1 12

Ernie and Betty as they presented at each of 12 12 12 1 12 10,000 the 14 districts was to convey some new them by friends and 12 12 12 1 12 family.” 12 12 12 1 12 ideas for membership building. Local and 12 12 12 1 12 5,000 12 12 12 1 12 district association workshop attendees Workshop participants 12 12 12 1 12 were asked to TRAIN membership teams 12 12 12 1 12 were encouraged to 2006 2007 2008 2009 2010 involving more local members to RETAIN secure signed ADD cards YEAR BEGINNING PROJECTION previous KRTA members and RECRUIT other by October 31. It’s not retirees and currentDebby Murrell, Co-Chair teachers and admin- too late to recruit Membership Committee istrators who have never joined. members: Send Cash Enrollment Forms with TRAINING a membership team - make sure members know the Where we are . . . $20 checks to the KRTA means identifying members who value of KRTA and can share office by January 8 to “share in the vision of the it count for this membership Association”—people who can - build relationships through year. ADD cards can be KRTA “paint a picture of KRTA”— welcome phone calls and held and activated for MEMBERSHIP people who believe strongly in ‘thank you’ to renewing dues deduction next KRTA and can tell the story. members STATEWIDE BY DISTRICT November. This team could be made up of - continually ask “What can we November 10, 2009 representatives from each of the do that will be of value to Debby, Betty, and Ernie Potential local schools from which you?” are available to assist local District Members Members %-age and district associations. members retired. The team All members should be able to Don’t hesitate to call on MIDDLE CUMBERLAND 1,476 1,304 91.2 “trainee” can best identify with answer the question “What’s them when you have FIRST 2,372 1,914 80.7 the current and future retirees in it for me?” Sometimes a FOURTH 2,252 1,756 78.0 from his/her respective school. questions or need help. SECOND 2,335 1,860 79.7 reminder is all that’s needed—for EASTERN 2,221 1,662 74.8 Then, provided with the right both those who just haven’t They can be contacted FIFTH 2,145 1,614 75.2 recruitment materials, that through the KRTA office. NORTHERN 2,266 1,547 68.3 renewed and for those who have CENTRAL KY EAST 2,049 1,596 77.9 person is prepared, and more never belonged. It is suggested THIRD 2,958 2,073 70.1 willing, to “tell the story” to those UPPER KY RIVER 1,197 977 81.6 that you first compare last year’s KRTA UPPER CUMBERLAND 1,943 1,384 71.2 who they wish to retain or recruit. list with the current list and decide CENTRAL KY WEST 4,244 2,624 61.8 Promoting KRTA as an Membership BIG SANDY 1,669 1,144 68.5 on a course of action for JEFFERSON 5,162 2,950 57.1 investment and as Kentucky’s renewals. Usually a phone call Update OUT OF STATE 3,515 1,665 47.4 ASSOCIATE 147 147 100.0 voice of retired teachers will or e-mail reminder is all that’s The membership reached TOTALS 37,996 26,217 69.0 result in a stronger bond among needed. Your efforts should (and surpassed) retirees. “piggyback” the June and 26,217 October mailings from the KRTA Local officers have the great on November 10. Where we’re going . . . responsibility of impressing on office. Where we’re going . . . We’re still climbing! their members that the Areas of focus for both retaining association is “leader-full,” all and recruiting members should are accountable, and that “we’re include local schools (active The Membership Goal is Set! all in this together.” Too many teachers and administrators) as 27,000 by January 8, 2010! times a few carry the load for the well as retirement rolls. We’re well on the way to benefit of all. To help members It’s all about . . . Opportunities for informing reaching our new goal: feel more connected, the local educators are all around us— ~ Membership ~ association has the responsibility through e-mail messages, in 27,000 in 2010 to meetings, conferences, and at Thanks to all locals who are . . . and it’s everybody’s business! - create networking local projects/causes; such as, working so hard to inform opportunities Relay for Life activities and every new retiree about the - deliver programs with content county fairs. Being visible in benefits of belonging to KRTA. members need and want communities will pave the way for PAGE 6 KRTA NEWS DECEMBER 2009

LEGISLATIVE AARP Update Working Together

Ray Roundtree Don Hines Co-Chair Legislative Committee Scott Wegenast For your Neal Tucker The Legislative Team Representative for Associate State Dir. THANK contributions KRTA/AARP Liaison explained some of the Fifth District Communications for YOU to Retired major issues outlined in the AARP Kentucky Teachers 2010 KRTA Legislative KRTA and AARP 2009-2010  National health care reform Other important things we must do: Program—namely keeping AARP was well represented at all the governance of the  National anti-tax increase  Work with Legislators on a 14 workshops. Neal’s message Teachers’ Retirement movement (i.e., California) continuous basis—as often as familiarized participants with the role System as it is currently Bobby Humes  Taxing of health care possible and starting now. Don’t AARP plays in KRTA concerns Co-Chair constituted, opposing benefits at the federal level wait until they get in the session. legislation that would endanger its AARP Kentucky’s 2009-2010 top  Movement from defined benefit  Be sure to express your priorities are soundness, and promoting full funding appreciation to your Senator and of the medical insurance fund. “It pension plans to defined Health Care Reform contribution pension plans Representative when they support seems,” said Ray, “that our dilemma us. Ensure all Americans have is maintaining adequate and  Paying for health care coverage Express your thanks to Gary affordable health care choices accessible insurance coverage for all  Where do we go from here? Harbin and the KTRS Trustees and Neal emphasized that “AARP retirees.” (See the full program on Staff for their cooperation and has not endorsed a bill as no page 13).  Keep informed through KRTA, KTRS, and the news media. support. bill has been introduced.” Some major issues of public pensions  Continue to work with Legislators Ray, Bobby, and Don always ended Economic & Financial Security and KTRS were discussed as many in preparation for the 2010 with the important message, YOU are Kentuckians remain in the forces are coming together, working session. the key! Each of us votes in our own workforce as they desire against public pensions such as ours  Follow the work of the 2010 with KTRS. Those issues are  districts and are responsible for keeping Kentuckians increase their Legislative session. our own legislators informed about our financial literacy  The rapid elimination of private  Continue to work closely with wishes. defined benefit pensions (by KTRS. (Continued on page 7) business)

HEALTH ~ INSURANCE ~ and relief for families, conversation and WELLNESS: For Your companionship, and light housekeeping HEALTH, INSURANCE and laundry service. Health & Safety HEALTH, INSURANCE & WELLNESS North American Life Plans offers Life Health/Insurance Committee Co-Chair Insurance and LifeLock Identity Carolyn Falin and Past-President Patsy Theft Protection. LifeLock is the Young updated workshop attendees on newest benefit to KRTA’s long list of KRTA’s health, insurance, and wellness discounted services. It is the #1 provider offerings. The Committee serves to of protection against identity theft . You’ll investigate and approve health and want to check out the services offered insurance related benefits not provided Patsy Young Dr. Bob Wagoner KRTA Past President under this plan. by the Ky. Teachers’ Retirement System. KRTA Executive Director Specific details and discounted costs are Automobile and Homeowners outlined on the green FACT SHEET. KRTA’s Hearing Instru- Life, and Genworth. This Insurance. The auto and home ment Plan is still offered by makes it possible to tailor a insurance advantage ‘Group Savings KRTA Endorsed Dental Plans. In HEAR in AMERICA. No policy suitable for each Plus’ has been offered to KRTA September, the KRTA Executive changes in the agreement individual. members for several years by Liberty Council approved the recommendation have been made. Mutual. Mention Client #8815 when of the Health/Insurance Committee to Senior Care. Two you call for a free no-obligation rate Long-Term Care Insurance. offer Delta Dental to KRTA members. Carolyn Falinpartnerships providing senior care in quote. KRTA’s partner National Health Anyone who currently has the Humana- Co-Chairdifferent parts of the state, Comfort Administrators serves as the For questions about these services, call CompBenefits plan may continue with it Keepers and Home Instead, are consultant and third-party the KRTA office at 1-800-618-1687 or if desired. The new program is outlined now available at preferred rates for administrator and works with five refer to the website www.krta.org or the on page 16 and in an insert in this issue. KRTA members. Services offered providers—John Hancock, green FACT SHEET. A change in the Avesis Vision Plan include personal care, meal Metropolitan Life, Prudential, Allianz allows enrollment at anytime. preparation, errand services, respite DECEMBER 2009 KRTA NEWS PAGE 7

(Continued from “AARP . . .” on page 6) Neal was excited about a new AARP KTRS: program for retirees’ that will help RETIREMENT SECURITY them in “re-careering.” Community for Kentucky’s Educators colleges are participating with AARP in helping interested retirees who wish to consider new opportunities. Contact your community college about their “Making Age an Asset in Your Job Search” course or go to INTRODUCTION www.ed2go.com/workafter50 to sign Gary Harbin Elaine Rall Becky Niece up for it. Kentucky Teachers’ Retirement System staff members travelled with the Fall Executive Secretary Retirement Counselor Retirement Counselor KRTA is sponsoring the Grand- Workshop team and presented in each by active teachers hired parent Essay Contest again this district. Workshop attendees received the year. The deadlines are after June 30, 2008. With latest news concerning their retirement rising health costs, this is School winners December 15 system, insurance and legislative issues. still not sufficient to sustain County winners January 31 the current benefits due to District winners March 1 Jane Gilbert was on hand to explain the state of the insurance fund while Elaine the rising cost of health The state winner will be honored at the Rall, Debi Newman, and Becky Niece care. KRTA convention on April 20. More updated issues with KTRS investment UPDATE ON information can be found at performance and governance. KTRS www.aarp.org/grandparents. INVESTMENT Executive Secretary Gary Harbin joined PERFORMANCE AARP’s National Day of Service has the team in Jefferson County. (presented by Elaine been changed from May to Jane Gilbert, Director Debi Newman • Defined Benefit Plan (instead of a Rall, Debi Newman, or Retiree Healthcare Retirement Counselor September 11. defined contribution plan). Becki Niece) AARP Issue Specialist Speakers Contributions from the active teacher Comparison. When compared to the 30 major state-wide pension plans reporting are available to speak at association plus the employer match lasts six in the Pensions Fund Data Exchange as of June 30, 2009, KTRS ranked as follows: meetings—at no charge to groups of years. After that, the retiree’s annuity at least 30 and within 50 miles. Submit is paid from investments. Due to the  Top 7% over the past year requests four weeks in advance by outstanding investment practices of  Top 23% over the past 2 years calling 1-866-295-7275 or by emailing KTRS (outlined below), retirees will  Top 29% over the past 3 years [email protected]. draw their annuity for the remainder KTRS Returns. On March 31, the market bottomed out, but since then the of their lives. The number of members market value of member assets has increased by $1.8 billion to $12.4 billion. over 100 years old still drawing Connect with AARP at annuities increases each year. KTRS is very diligent in evaluating investment opportunities and risks. Part of our www.aarp.org/ky and • Multiplier of 2.5% (3% for service excellent relative performance from this past year is attributed to the problems we were able to avoid: www.aarp.org/community/AARPKY past 30 years) 1 No losses due to subprime mortgages For volunteer opportunities see • High 3 at age 55 and 27 years of service 2 No losses due to securities lending [email protected] 3 No losses in unregulated high risk structured • Benefits include disability & securities survivor benefits 4 No losses in unregulated financial derivatives • Medical Benefits 5 No losses from fraudulent hedge funds 6 No issues with liquidity SYSTEM STATISTICS (presented by Elaine Rall, Debi Newman, or Becki Bill Leach and Becky Niece Niece) Changes in Asset Allocation is also a significant factor. The biggest change since 2000 is in international stocks—from 0.0% to 11.6%. A balanced portfolio Field of Membership. As of December 2008, there were over 59,000 active educators, means diversified assets for long-term success. nearly 15,000 of which were eligible to retire (27+ years). Let’s say they did retire. That would put the ratio of active teachers to retired teachers 52% to 48%. Actually, UPDATE ON INVESTMENT GOVERNANCE (presented by Elaine Rall, the rate of retirements is the second lowest in 15 years—993 in 2009. (Over 4,800 Debi Newman, or Becki Niece) retirees are over 80 years of age, including 41 who are over 100—one of the reasons The KTRS Board of Trustees consists of nine members—five of whom make we should be thankful for the defined benefit plan). up the Investment Committee, Barbara G. Sterrett, Dr. Jay Morgan, Ph.D., Robert Impact. The sole reason KTRS exists is to provide monthly checks for its 41,893 Conley, Ronald L. Sanders, and Tom Shelton. A recent major change was made retirees and their beneficiaries and survivors. This means $109 million goes into the in the Investment Committee. Two non-trustee nationally-known investment state economy. The positive impact—for school districts, for members, and for state experts, Bevis Longstreth and George M. Philip, were added, greatly strengthening and local economies—cannot be overemphasized. KTRS distributes hundreds of millions the Committee. This of dollars annually—what amounts over the last three years to 6,800 jobs at $40,000 speaks volumes of our each. In most counties, the school district is the largest employer. investment practices that they want to be a part of Actuarial Status. The pre-funded the KTRS investment Retirement Benefit Fund is at 68.2% program. and the pay-as-you-go Medical Benefit Fund is at 2.9%—the latter Jane Gilbert or Becki being funded by constant active Niece presented at membership contributions. In 2008, each workshop on the KTRS Staff Members Elaine Rall, Cristi HB1 provided for an additional 1% KTRS Staff Members Jane Gilbert, Debi Newman, KTRS MEDICAL Duvall, Justin Couch & Jane Gilbert to be contributed to the Medical Fund Bobbye Brown, Tamela Biggs, & Becky Niece PROGRAM. PAGE 8 KRTA NEWS DECEMBER 2009

HUMANA MEDCO

KTRS Insurance Counselor KTRS MEHP Wellness (Age 65 & Over) Grace Dotson and Humana Staff member Tonya Broell Barb Hiller MEHP Reminders Humana Staff: Susan Jury, Ken Schulz, Jackie Foree, Humana • Sign up for Medicare Part B when eligible. & Patricia Sweeney • Continue to pay Part B. VirginHealthMiles (Under Age 65) • The Part B premium for 2009 is $96.40 • Contact KTRS prior to enrolling in any other plan. • GoZone Pedometer - records steps (If you allow your Part B to lapse and enroll in a • Available to KEHP members at $1.50 per month plan outside of KTRS, you could actually terminate • Dependents 18 and older $2.50 per month your KTRS coverage. You cannot be in two • Eligible for cash awards according to number of Medicare plans). steps • The deductible for 2009 is $150. • Virgin HealthMiles web page: www.virginhealthmiles.com/kehpemployees The Humana Medicare Solution • Questions? Call 1-866-852-6898 These programs are available to help members improve overall health and functions: Take it from Ken Schulz, “Get active and get Christine Bowman Andrea Elmore rewards!” According to Ken, there are three Basic Humana • Humana Active Outlook SilverSneakers • Humana Cares Complex Case Mgmt. Mood Groups. Which one are you and how does • Acute Episodic Case Mgmt. this affect your health? • Disease Mgmt. Programs 1. The No-Goes: ‘Not today and probably not • Transition of Care/Discharge Planning tomorrow’ • Physician/Member Care Consideration • Field and Home-Based Clinical Mgmt. 2. The Slow-Goes: ‘Wouldn’t mind doing if someone • Prevention Screenings/Wellness Programs else supplied the expertise’ Members can expect a call from an Active Health 3. The Go-Goes: ‘Learned, created . . . did; they nurse to coordinate benefits within the first 90 days are the solutions to the problems.’ of membership. If the member is in agreement, a To all retirees, Ken would say, “Get moving and take Health Risk Assessment will be completed. From charge of your own health.” You have control of that assessment, needs can be identified even before Ken Schulz only four things. Alissa Links Humana claims are filed. This includes referrals —both internal (other Humana services) and external SilverSneakers He calls it “Diet-Size Capacitude”—that is, diet, (spouse, physician, KRTA leaders). The number in exercise, attitude, and capacity. “It’s all about Kentucky is (800) 322-2758 Ext. 1500081. L-I-F-E SilverSneakers Learning (never stop) The KTRS MEHP Plan includes membership in the Inventing (commit SilverSneakers Steps program and the following: yourself) • A Personal Exercise Tracker (PET) Fun (be successful) • A special welcome gift • An activity planner & tracking logs Exercise (or Explore • Invitations to participate in themed reporting or Exchange or contests Experiment) Rob Fisher Kim Hepner • Quarterly newsletters SilverSneakers SilverSneakers • Access to members’ toll free phone line & members-only web site http://www.humana.com/ Ken in Batman costume members/health/silver_sneakers.asp KTRS KEHP Wellness (Under Age 65) Humana Health & Wellness Page MyHumana.com • New landing page for Wellness • Links to the Humana Health Assessment (or call 1-866-444-6096) • Links to Telephonic Health Coaching (or call 1- 866-671-4536) • Click on Health Centers or Conditions Centers Mike Johnson Ann Marie Moore Laurie Anne Newcomer Deborah Kempe Medco for more information Medco Medco Medco DECEMBER 2009 KRTA NEWS PAGE 9

2010 KY GENERAL ASSEMBLY . . . NOTE Senate Officers and/or Committee KRTA GUIDE Chairs are subject to change when 2010 Legislative Session the Session begins. , Governor Mongiordo, Lt. Governor SENATE HOUSE OF REPRESENTATIVES CONSTITUTIONAL OFFICERS CONSTITUTIONAL OFFICERS

President ...... David Williams Speaker ...... President Pro Tem ...... Speaker Pro Tem ...... Larry Clark PARTY LEADERS PARTY LEADERS Democrats Democrats Floor Leader ...... Ed Worley Floor Leader ...... Caucus Chairman ...... Caucus Chairman ...... Robert Damron Whip ...... Bob Jackson Whip ...... John Will Stacy Republicans Republicans Floor Leader ...... Floor Leader ...... Caucus Chairman ...... Caucus Chairman ...... Bob DeWeese Whip ...... Whip ...... APPROPRIATIONS AND REVENUE APPROPRIATIONS AND REVENUE Bob Leeper (I) Chair (D) Committee Chair John A. Arnold (D) Vice Chair David Boswell (D) (R) Bob DeWeese (D) Vice Chair (D) Ernie Harris (R) Harry Moberly (D) Vice Chair R. J. Palmer (D) (R) Fred Nessler (D) Vice Chair (D) Vernie McGaha (R) Charles Siler (R) Vice Chair Tim Shaughnessy (D) Brandon Smith (R) (R) Vice Chair Robert Stivers (R) Gary Tapp (R) (R) Vice Chair Elizabeth Tori (R) Jack Westwood (R) Royce W. Adams (D) (D) Jessie Crenshaw (D) Ron Weston (D) BANKING AND INSURANCE (D) Scott Brinkman (R) Tom Buford (R) Chair (D) (R) Julie Denton (R) Vice Chair Derrick Graham (D) Danny Ford (R) Julian M. Carroll (D) Tom Jensen (R) Keith Hall (D) Lonnie Napier (R) (D) (R) Sannie Overly (D) Tommy Turner (R) (D) Brandon Smith (R) Don Pasley (D) James R. Comer (R) Tim Shaughnessy (D) Dan Seum (R) (D) (R) Tommy Thompson (D) (R) EDUCATION Ken Winters (R) Chair BANKING AND INSURANCE Vernie McGaha (R) Vice Chair (D) Chair Walter Blevins, Jr. (D) David Givens (R) James R. Comer (R) Vice Chair Gerald Neal (D) Alice Forgy Kerr (R) Ron Crimm (R) Vice Chair R. J. Palmer (D) Elizabeth Tori (R) Mike Denham (D) Vice Chair Johnny Ray Turner (D) Jack Westwood (R) Brent Houseman (R) Vice Chair Tim Shaughnessy (D) (D) Vice Chair Kevin Sinnette (D) Vice Chair (D) Joseph M. Fisher (R) HEALTH AND WELFARE (D) Danny Ford (R) Julie Denton (R) Chair Robert R. Damron (D) (R) Tom Buford (R) Vice Chair Ted Edmonds (D) Jimmy Higdon (R) Julian M. Carroll (D) Katie Kratz Stine (R) Tim Firkins (D) (R) Perry B. Clark (D) Alice Forgey Kerr (R) (D) (R) Denise Harper Angel (D) Jack Westwood (R) Dennie Horlander (D) (R) Joey Pendleton (D) Dennis Keene (D) Tommy Thompson (D) Jody Richards (D) John Tilly (D) STATE AND LOCAL GOVERNMENT Arnold Simpson (D) David Watkins (D) (R) Chair (D) Ron Weston (D) John Schickel (R) Vice Chair Walter Blevins, Jr. (D) Carroll Gibson (R) EDUCATION Julian M. Carroll (D) Ernie Harris (R) Carl Rollins (D) Chair Mike Reynolds (D) Tom Jensen (R) Linda Belcher (D) Vice Chair Johnny Ray Turner (D) Alice Forgey Kerr (R) John “Bam” Carney (R) Vice Chair Ed Worley (D) Elizabeth Tori (R) Ted Edmonds (D) Vice Chair Charles Miller (D) Vice Chair TOLL FREE NUMBERS Tom Riner (D) Vice Chair Kent Stevens (D) Vice Chair Legislative Hotline Bill Status Line Wilson Stone (D) Vice Chair Leave a Message: 1-800-372-7181 Alecia Webb-Edgington (R) Vice Chair Legislative Calendar Number Available in December (D) Jim DeCesare (R) 1-800-633-9650 Leslie Combs (D) C. B. Embry (R) Tim Firkins (D) Bill Farmer (R) Continued on page 10 PAGE 10 KRTA NEWS DECEMBER 2009

“House of Representatives” Continued from Page 9 Ray S. Jones II (31) Kathy W. Stein (13) Rocky Adkins (99) P O Drawer 3850 364 Transylvania Pk. PO Box 688 (D) Jimmy Higdon (R) Pikeville, KY 41502 Lexington, KY 40508 Sandy Hook, KY 41171 Jim Glenn (D) Marie Rader (R) (LRC) 502-564-8100 (LRC) 502-564-8100 (LRC) 502-564-8100 Derrick Graham (D) Charles Siler (R) (Work) 606-432-5777 (Home) 859-252-1500 (Home) 606-738-4242 Jeff Greer (D) (R) (D) Jody Richards (R) Alice Forgy Kerr (12) Katie Kratz Stine (24) John A. Arnold Jr. (7) Harry Moberly (D) Dottie Sims (R) 3274 Gondola Dr. 21 Fairway Dr. P O Box 124 (D) David Watkins (R) Lexington, KY 40513 Southgate, KY 41071 Sturgis, KY 42459 (LRC) 502-564-8100 (LRC) 502-564-8100 (LRC) 502-564-8100 HEALTH AND WELFARE (Home) 859-223-3274 (Home) 859-781-5311 (Work) 270-333-4641 (D) Chair Bob DeWeese (R) Vice Chair Bob Leeper (2) Robert Stivers II (25) Eddie Ballard (10) David Watkins (D) Vice Chair 229 South Friendship Rd. 207 Main St. PO Box 1736 Paducah, KY 42003 Manchester, KY 40962 Madisonville, KY 42431 John A. Arnold (D) Scott Brinkman (R) (LRC) 502-564-8100 (LRC) 502-564-8100 (LRC) 502-564-8100 Jim Glenn (D) John “Bam” Carney (R) (Home) 270-554-2771 (Home) 606-598-8575 (Home) 270-821-6255 (D) Brent Houseman (R) (D) Tim Moore (R) Vernie McGaha (15) Gary Tapp (20) Linda Belcher (49) Reginald Meeks (D) Addia Wuchner (R) 4787 W Hwy 76 308 Fishermen Cir. 4804 Hickory Hollow Ln. Daryl T. Owens (D) (D) Russell Springs, KY 42642 Shelbyville, KY 40065 Shepherdsville, KY 40165 (D) (LRC) 502-564-8100 (LRC) 502-564-8100 (LRC) 502-564-8100 (Home) 270-866-3068 (Home) 502-633-2304 (Home) 502-957-2793 STATE GOVERNMENT Mike Cherry (D) Chair Gerald A. Neal (33) Damon Thayer (17) Johnny Bell (23) Eddie Ballard (D) Vice Chair Suite 2150 Meidinger Tower 102 Grayson Way 108 North Green St. Jim Glenn (D) Vice Chair 462 South 4th St. Georgetown, KY 40324 Glasgow, KY 42141 Derrick Graham (D) Vice Chair Louisville, KY 40202 (LRC) 502-564-8100 (LRC) 502-564-8100 Lonnie Napier (R) Vice Chair (LRC) 502-564-8100 (Home) 859-621-6956 (Home) 270-590-0110 Carl Rollins (D) Vice Chair (Home) 502-776-1222 Steven Ruby (R) Vice Chair Elizabeth Tori (10) Kevin D. Bratcher (29) R. J. Palmer II (28) 2851 S Wilson Rd. 10215 Landwood Dr. Johnny Bell (D) Kevin D. Bratcher (R) 1391 McClure Rd. Radcliff, KY 40160 Louisville, KY 40291 Leslie Combs (D) Dwight Butler (R) Winchester, KY 40391 (LRC) 502-564-8100 (LRC) 502-564-8100 Will Coursey (D) John “Bam” Carney (R) (LRC) 502-564-8100 (Home) 270-351-1829 (Home) 502-231-3311 Melvin B. Henley (D) (R) (Home) 859-737-2945 Charlie Hoffman (D) Danny Ford (R) Johnny Ray Turner (29) Scott W. Brinkman (32) Jimmie Lee (D) Brad Montell (R) Joey Pendleton (3) 85 Kentucky Route 1101 6001 Two Springs Ln. Sannie Overly (D) Sal Santora (R) 905 Hurst Dr. Drift, KY 41619 Louisville, KY 40207 (D) Jon David Reinhardt (R) Hopkinsville, KY 42240 (LRC) 502-564-8100 (LRC) 502-564-8100 Tom Riner (D) Alecia Webb-Edgington (D) (LRC) 502-564-8100 (Home) 606-377-6962 (Home) 502-893-8769 Tommy Thompson (D) Kent Stevens (D) (Home) 270-885-1639 Jim Wayne (D) John Tilly (D) Robin L. Webb (18) Tom Burch (30) Brent Yonts (D) Mike Reynolds (32) 404 W Main St. 4012 Lambert Ave. P O Box 4000 Grayson, KY 41143 Louisville, KY 40218 Bowling Green, KY 42102 (LRC) 502-564-8100 (LRC) 502-564-8100 General Assembly (LRC) 502-564-8100 (Home) 606-474-5380 (Home) 502-454-4002

Names and Addresses Jerry P. Rhoads (6) Jack Westwood (23) Dwight D. Butler (18) 9 East Center St. 209 Graves Ave. P O Box 9 Perry B. Clark (37) Madisonville, KY 42431 Erlanger, KY 41018- Harned, KY 40144 5716 New Cut Rd SENATE (LRC) 502-564-8100 (LRC) 502-564-8100 (LRC) 502-564-8100 Louisville, KY 40214 (Home) 270-825-2949 (Home) 859-344-6154 (Home) 270-756-0100 (LRC) 502-564-8100 Denise Harper Angel (35) (Work) 270-756-5931 (Home) 502-366-1247 2521 Ransdell Ave. Dorsey Ridley (4) David L. Williams (16) Louisville, KY 40204 4030 Hidden Creek Dr. P O Box 666 John "Barn" Carney (51) Julie Denton (36) (LRC) 502-564-8100 Henderson, KY 42420 Burkesville, KY 42717 341 Pembroke Way 1708 Golden Leaf Way (Home) 502-452-9130 (LRC) 502-564-8100 (LRC) 502-564-8100 Campbellsville, KY 42718 Louisville, KY 40245 (Home) 270-826-5402 (Home) 270-433-7777 (LRC) 502-564-8100 (LRC) 502-564-8100 Walter Blevins, Jr. (27) (Home) 270-465-5400 (Home) 502-489-9058 115 Hill N Dale John Schickel (11) Ken Winters (1) Morehead, KY 40351 P O Box 991 1500 Glendale Rd. Mike Cherry (4) Carroll Gibson (5) (LRC) 502-564-8100 Union, KY 41091 Murray, KY 42075 803 S Jefferson P O Box 506 (Home) 606-743-1212 (LRC) 502-564-8100 (LRC) 502-564-8100 Princeton, KY 42445 Leitchfield, KY 42755 (Home Fax) 606-743-1214 (Home) 859-384-7506 (Home) 270-759-5751 (LRC) 502-564-8100 (LRC) 502-564-8100 (Work) 606-743-1200 (Home) 270-365-7801 (Home) 270-230-5866 Dan "Malano" Seum (38) Ed Worley (34) David E. Boswell (8) 1107 Holly Ave. PO Box 659 Larry Clark (46) David Givens (9) 5591 Panther Creek Park Dr. Fairdale, KY 40118 Richmond, KY 40476 5913 Whispering Hills Blvd. P O Box 12 Owensboro, KY 42301 (LRC) 502-564-8100 (LRC) 502-564-8100 Louisville, KY 40219 Greensburg, KY 42743 (LRC) 502-564-8100 (Home) 502-749-2859 (Home) 859-625-5536 (LRC) 502-564-8100 (LRC) 502-564-8100 (Home) 270-771-4921 (Home) 502-968-3546 Tim Shaughnessy (19) Vacant (14) Ernie Harris (26) Tom Buford (22) Cardiovascular Innv. Inst Hubert Collins (97) P O Box 1073 409 W Maple St. 302 E. Muhammad Ali Blvd. 72 Collins Dr. Crestwood, KY 40014 Nicholasville, KY 40356 Louisville, KY 40202 Wittensville, KY 41274 (LRC) 502-564-8100 HOUSE (LRC) 502-564-8100 (LRC) 502-564-8100 (LRC) 502-564-8100 (Home) 502-241-8307 (Home) 859-885-0606 (Home) 606-297-3152 Brandon Smith (30) Royce W. Adams (61) Tom Jensen (21) Julian M. Carroll (7) 350 Kentucky Blvd. 580 Bannister Pike Leslie Combs (94) 303 South Main St 702 Capitol Ave Hazard, KY 41701 Dry Ridge, KY 41035 245 E Cedar Dr. London, KY 40741 Annex Room 229 (LRC) 502-564-8100 (LRC) 502-564-8100 Pikeville, KY 41501 (LRC) 502-564-8100 Frankfort, KY 40601 (Home) 606-436-4526 (Home) 859-428-1039 (LRC) 502-564-8100 (Home) 606-878-8845 (LRC) 502-564-8100 (Home) 606-477-6672 DECEMBER 2009 KRTA NEWS PAGE 11

“House” Continued from page 10 Tim Firkins (38) Jimmy Higdon (24) Tom McKee (78) Don Pasley (73) 212 East Esplanade Ave. 507 West Main St. 1053 Cook Rd. 5805 Ecton Rd. James R. Comer Jr. (53) Louisville, KY 40214-2835 Lebanon, KY 40033 Cynthiana, KY 41031 Winchester, KY 40391 P O Box 338 (LRC) 502-564-8100 (LRC) 502-564-8100 (LRC) 502-564-8100 (LRC) 502-564-8100 Tompkinsville, KY 42167 (Home) 502-367-2981 (Home) 270-692-6945 (Home) 859-234-5879 (Home) 859-842-3337 (LRC) 502-564-8100 (Home) 270-487-5585 Joseph M. Fischer (68) Charlie Hoffman (62) Reginald Meeks (42) Tanya Pullin (98) 126 Dixie Pl. 406 Bourbon St. P O Box 757 1026 Johnson Ln. Tim Couch (90) Ft Thomas, KY 41075 Georgetown, KY 40324 Louisville, KY 40201 South Shore, KY 41175 P O Box 710 (LRC) 502-564-8100 (LRC) 502-564-8100 (LRC) 502-564-8100 (LRC) 502-564-8100 Hyden, KY 41749 (Home) 859-781-6965 (Home) 502-863-9796 (Work) 502-772-1095 (Work) 606-932-2505 (LRC) 502-564-8100 (Home) 606-672-8998 Kelly Flood (75) Jeff Hoover (83) Charles Miller (28) Marie Rader (89) 121 Arcadia Park P O Box 985 3608 Gateview Cir. P O Box 323 Will Coursey (6) Lexington, KY 40503 Jamestown, KY 42629 Louisville, KY 40272 McKee, KY 40447 P O Box 467 (LRC) 502-564-8100 (LRC) 502-564-8100 (LRC) 502-564-8100 (LRC)502-564-8100 Benton, KY 42025-0467 (Home) 859-221-3107 (Home) 270-343-2264 (Home) 502-937-7788 (Home) 606-287-7303 (LRC) 502-564-8100 (Home) 270-527-4610 David Floyd (50) Dennis Hor1ander (40) Harry Moberly, Jr. (81) Rick Rand (47) 102 Maywood Ave. 1806 Farnsley Rd. Suite 6 P O Box 721 P O Box 273 (77) Bardstown, KY 40004 Shively, KY 40216 Richmond, KY 40475 Bedford, KY 40006 121 Constitution St. (LRC) 502-564-8100 (LRC) 502-564-8100 (LRC) 502-564-8100 (LRC) 502-564-8100 Lexington, KY 40507 (Home) 502-350-0986 (Home) 502-447-4715 (Home) 859-624-2781 (Home) 502-255-3392 (LRC) 502-564-8100 (Home) 859-252-6967 Danny Ford (80) Brent Housman (3) Brad Montell (58) Jody Richards (20) P O Box 1245 2307 Jefferson St. 543 Main St. 817 Culpeper St Ron Crimm (33) Mt. Vernon, KY 40456 Paducah, KY 42001 P O Box 1016 Bowling Green, KY 42103 P O Box 43244 (LRC) 502-564-8100 (LRC) 502-564-8100 Shelbyville, KY 40065 (LRC) 502-564-8100 Louisville, KY 40253 (Home) 606-256-4446 (Home) 270-366-6611 (LRC) 502-564-8100 (Home) 270-842-6731 (LRC) 502-564-8100 (Home) 502-633-7533 (Home) 502-245-8905 Jim Glenn (13) Joni L. Jenkins (44) Steve Riggs (31) P O Box 21562 2010 O'Brien Ct. Tim Moore (26) P O Box 24586 Robert R. Damron (39) Owensboro, KY 42304 Shively, KY 40216 417 Bates Rd. Louisville, KY 40224 231 Fairway W (LRC) 502-564-8100 (LRC) 502-564-8100 Elizabethtown, KY 42701 (LRC) 502-564-8100 Nicholasville, KY 40356 (Home) 270-686-8760 (Home) 502-447-4324 (LRC) 502-564-8100 (LRC) 502-564-8100 (Home) 270-769-5878 Tom Riner (41) (Home) 859-887-1744 Jim Gooch, Jr. (12) Dennis Keene (67) 1143 E Broadway 714 North Broadway B2 1040 Johns Hill Rd. Lonnie Napier (36) Louisville, KY 40204 Jim DeCesare (21) Providence, KY 42450 Wilder, KY 41076 302 Danville St. (LRC) 502-564-8100 P O Box 122 (LRC) 502-564-8100 (LRC) 502-564-8100 Lancaster, KY 40444 (Home) 502-584-3639 Rockfield, KY 42274 (Home) 270-667-7327 (Home) 859-441-5894 (LRC) 502-564-8100 (LRC) 502-564-8100 (Home) 859-792-4860 Carl Rollins II (56) (Home) 270-792-5779 Derrick Graham (57) Thomas Kerr (64) P O Box 424 157 Bellemeade Dr. 5415 Old Taylor Mill Rick G. Nelson (87) Midway, KY 40347 Mike Denham (70) Frankfort, KY 40601 Taylor Mill, KY 41015 Rt. 3 Box 686 (LRC) 502-564-8100 306 Old Hill City Rd. (LRC) 502-564-8100 (LRC) 502-564-8100 Middlesboro, KY 40965 (Home) 859-846-4407 Maysville, KY 41056 (Home) 502-223-1769 (Home) 859-356-1344 (LRC) 502-564-8100 (LRC) 502-564-8100 (Home) 606-248-8828 (1) (Home) 606-759-5167 Jeff Greer (27) Martha Jane King (16) 3430 Blueridge Dr. P O Box 1007 Lake Malone Fred Nesler (2) W Paducah, KY 42086 Bob M. DeWeese (48) Brandenburg, KY 40108 633 Little Cliff Estates P O Box 308 (LRC) 502-564-8100 6206 Glenhill Rd. (LRC) 502-564-8100 Lewisburg, KY 42256 Mayfield, KY 42066 (Home) 270-744-8137 Louisville,KY 40222 (Home) 270-422-5100 (LRC) 502-564-8100 (LRC) 502-564-8100 (LRC) 502-564-8100 (Home) 270-657-2707 (Home) 270-247-8557 (60) (Home) 502-426-5565 Keith Hall (93) 596 Walterlot Ct. P O Box 466 Adam Koenig (69) (59) Florence, KY 41042 (9) Phelps, KY 41553 3346 Canterbury Ct. P O Box 8 (LRC) 502-564-8100 491 E Nashville St. (LRC) 502-564-8100 Erlanger, KY 41018 Prospect, KY 40059 (Home) 859-371-8840 Pembroke, KY 42266 (Home) 606-456-8666 (LRC) 502-564-8100 (LRC) 502-564-8100 (LRC) 502-564-8100 (Home) 859-578-9258 (Home) 502-228-3201 Charles Siler (82) (Home) 270-475-9503 Mike Harmon (54) 3570 Tackett Creek Rd. 633 North 3rd St. Jimmie Lee (25) Sannie Overly (72) Williamsburg, KY 40769 Ted Edmonds (91) Danville, KY 40422 901 Dogwood Dr. 340 Main St. (LRC) 502-564-8100 1257 Beattyville Rd. (LRC) 502-564-8100 Elizabethtown, KY 42701 Paris, KY 40361 (Work) 606-549-0900 Jackson, KY 41339 (Home) 859-238-7792 (LRC) 502-564-8100 (LRC) 502-564-8100 (LRC) 502-564-8100 (Home) 270-737-8889 (Home) 859-987-9879 Arnold Simpson (65) (Home) 606-666-4823 Richard Henderson (74) 112 West 11th St. 60 Myers Cemetery Rd. (45) Darryl T. Owens (43) Covington, KY 41011 C. B. Embry Jr. (I 7) Jeffersonville, KY 40337 P O Box 2090 1018 S. 4th. St. Ste. 100 (LRC) 502-564-8100 P O Box 1215 (LRC) 502-564-8100 Lexington, KY 40588 Louisville, KY 40203 (Home) 859-581-6521 Morgantown, KY 42261 (Home) 859-585-0886 (LRC) 502-564-8100 (LRC) 502-564-8100 (LRC) 502-564-8100 (Home) 859-252-2202 (Home) 502-584-6341 Dottie Sims (19) (Home) 270-791-1879 Melvin B. Henley (5) 459 Violet Ave. 1305 South 16th St. Mary Lou Marzian (34) Ruth Ann Palumbo (76) Horse Cave, KY 42749 Bill Farmer (88) Murray, KY 42071-2809 2007 Tyler Ln. 10 Deepwood Dr. (LRC) 502-564-8100 3361 Squire Oak Dr. (LRC) 502-564-8100 Louisville, KY 40205 Lexington, KY 40505 (Home) 270-786-3948 Lexington, KY 40515 (Home) 270-753-3855 (LRC) 502-564-8100 (LRC) 502-564-8100 (LRC) 502-564-8100 (Home) 502-451-5032 (Home) 859-299-2597 Kevin Sinnette (100) (Home) 859-272-8675 P O Box 1358 Ashland, KY 41105-1358 Kentucky Retired Teachers Association Kentucky Teachers Retirement System (LRC) 502-564-8100 Louisville, Kentucky Frankfort, Kentucky (Home) 606-324-5711 www.ktrs.org www.krta.org Continued on page 12 PAGE 12 KRTA NEWS DECEMBER 2009

“House” Continued from page 11 Tommy Turner (85) 2010 LEGISLATIVE PROGRAM Ancel Smith (92) 175 Clifty Grove Church Rd. Approved by the Delegate Assembly on April 17, 2009 1812 Wiley Fork Rd. Somerset, KY 42501 Leburn, KY 41831 (LRC) 502-564-8100 (LRC) 502-564-8100 (Home) 606-274-5175 (Home) 606-785-3844 ITEM I: KEEP THE GOVERNANCE OF THE ITEM VIII: SUPPORT LEGISLATION Ken Upchurch (52) KENTUCKY TEACHERS’ RETIREMENT REQUIRING LONG-TERM CARE (LTC) John Will Stacy (71) P O Box 969 SYSTEM (KTRS) AS IT IS PRESENTLY INSURANCE CARRIERS TO SUBMIT RATE P O Box 135 Monticello, KY 42633 CONSTITUTED. INCREASES TO THE ATTORNEY GENERAL, West Liberty, KY 41472 (LRC) 502-564-8100 AS WELL AS THE OFFICE OF INSURANCE, COMMENT: The Board of Trustees (a majority (LRC) 502-564-8100 (Work) 606-340-8490 AND ALLOW INTERVENTION BY THE whom are elected by the active and retired (Home) 606-743-1516 ATTORNEY GENERAL. Vacant (96) teachers) acting as a semi-independent state Fitz Steele (84) agency has a record of seventy (70) years of COMMENT: During the past three (3) years, the 176 Woodland Ave. David Watkins (11) successful management that is unsurpassed in Kentucky Department of Insurance has permitted Hazard, KY 41701 5600 Timberlane Dr. state government. The Board employs huge rate increases (i.e.69%) by long-term care (LRC) 502-564-8100 Henderson, KY 42420 experienced, competent investment consultants insurance carriers. The increases are intolerable (Home) 606-439-0556 (LRC) 502-564-8100 to advise them on all matters pertaining to for individuals on fixed incomes. Unlike auto (Home) 270-826-0952 investments. The present trustee election and homeowner policy holders, LTC policy Kent Stevens (55) P O Box 481 Jim Wayne (35) process has served the best interest of holders do not have an option to change Lawrenceburg, KY 40342 1280 Royal Ave Kentucky’s public school teachers and retirees insurance companies. (LRC) 502-564-8100 Louisville, KY 40204 for many years with marked success. ITEM IX: SUPPORT LEGISLATION (Home) 502-839-5462 (LRC) 502-564-8100 ITEM II: OPPOSE ANY LEGISLATION THAT REQUIRING STATE AND LOCAL ENTITIES (Work) 502-451-8262 III (86) WOULD ENDANGER THE ACTUARIAL THAT HAVE RETIREES PARTICIPATING IN 545 KY 223 Alecia Webb-Edgington (63) SOUNDNESS OF KTRS. THE STATE INSURANCE PROGRAM BRING ACTIVE EMPLOYEES INTO THE PROGRAM. Flat Lick, KY 40935 1650 Chestnut Ct. COMMENT: All proposed legislation relating to (LRC) 502-564-8100 Ft. Wright, KY 41011 KTRS will be evaluated. KTRS must be operated COMMENT: Currently some city, county, (Home) 606-542-5210 (LRC) 502-564-8100 in a manner that assures earned benefits are paid university and state active employees do not (Home) 859-426-7322 Wilson Stone (22) in a timely manner. Both present and future participate in the state health insurance program 1481 Jefferson School Rd. Ron Weston (37) retirees must be considered in any and all but are brought into the program upon retirement. Scottsville, KY 42164 423 Chieftain Dr. decisions relating to benefits to be paid, the These groups’ active employees need to either (LRC) 502-564-8100 Fairdale, KY 40118 funding of these benefits and the investment of participate in the state program or pay a (Home) 270-622-5054 (LRC) 502-564-8100 the systems’ resources. surcharge for their retirees being in the program.

Greg Stumbo (95) Susan Westrom (79) ITEM III: PROMOTE FULL FUNDING OF KTRS ITEM X: SUPPORT AN INCREASE IN THE Box 1473 P O Box 22778 INCLUDING THE MEDICAL INSURANCE FUND. AMOUNTS PAID TO SURVIVORS OF ACTIVE 108 Kassidy Drive CONTRIBUTING MEMBERS AND DISABILITY Lexington, KY 40522-2778 COMMENT: Full funding in a timely manner is Prestonsburg, KY 41653 (LRC) 502-564-8100 RETIREES. (LRC) 502-564-8100 (Work) 859-266-7581 required to maintain the sound condition of the (Home) 606-886-9953 annuity and medical insurance funds. COMMENT: Benefits paid to survivors of active teachers and disability retirees have not been Addia Wuclmer (66) ITEM IV: OPPOSE ANY EFFORT TO Tommy Thompson (14) P O Box 911 APPROPRIATE OR BORROW RETIREMENT increased for many years and have not kept pace P O Box 458 Burlington, KY 41005 SYSTEM FUNDS AND/OR ANY EFFORT TO with inflation. Special attention should be paid Owensboro, KY 42302 (LRC) 502-564-8100 to the plight of teachers who become disabled in DIRECT THE INVESTMENTS OF KTRS. (LRC) 502-564-8100 (Work) 859-525-6698 the line of duty with less than 27 years of service. (Home) 270-926-1740 COMMENT: Efforts by the State to reduce or ITEM XI: OPPOSE EFFORTS AT THE FEDERAL Brent Yonts (15) withhold contributions to KTRS and/or to direct John Tilley (8) 232 Norman Cir. the system’s investments will be vigorously LEVEL TO IMPOSE MANDATORY SOCIAL P O Box 1065 Greenville, KY 42345 challenged. SECURITY FOR MEMBERS OF KTRS. Hopkinsville, KY 42241-1065 (LRC) 502-564-8100 (LRC) 502-564-8100 (Home) 270-338-6790 ITEM V: SUPPORT COST OF LIVING COMMENT: If KTRS contribution rates are (Home) 270-881-4717 ADJUSTMENTS (COLA) THAT REFLECT THE reduced by 12.4% so that the combined KTRS ACTUAL INCREASE IN THE COST OF LIVING and social security rate is maintained at the BEING EXPERIENCED BY RETIREES. present level, the benefit actuarial formula for WEB SITES OF INTEREST teachers would have to be reduced from 2.5% to Commonwealth of Kentucky Homepage COMMENT: Retired teachers should continue less than 1.0%. The result would greatly reduce http://www.state.ky.us/ to receive cost of living adjustments at least equal overall benefits for current and future teacher Kentucky Legislature (Who’s My Legislator) to those received by other state retirees and equal retirees. to the increase in the CPI. In 2009 Social Security http://www.lrc.ky.gov/legislators.htm ITEM XII: SUPPORT THE 2010 LEGISLATIVE recipients received a 5.8% COLA. U. S. Representative (Third District) PRIORITIES OF THE AARP/NRTA STATE http://guthrie.house.gov/index.html ITEM VI: MAINTAIN KTRS AS A DEFINED LEGISLATIVE COMMITTEE AND/OR OTHER BENEFIT GROUP RETIREMENT PLAN. GROUPS REPRESENTING SENIOR CITIZENS, link on www.krta.org COMMENT: Unlike a Defined Contribution (DC) WHICH ARE NOT IN CONFLICT WITH THE plan, a retiree cannot outlive his/her pension POSITION OF KRTA. under a Defined Benefit (DB) Group Retirement COMMENT: Supporting issues of particular plan. Administrative costs are much higher for interest to retired teachers such as predatory DC plans than for DB plans. lending, home and community-based health and ITEM VII: MAINTAIN ADEQUATE AND living services, and long-term care regulations ACCESSIBLE HEALTH INSURANCE benefit our members. Visit the KRTA COVERAGE FOR ALL RETIREES. website at: www.krta.org COMMENT: The current health insurance programs provided by KTRS must be continued Email us at: [email protected] as per agreements with retirees. DECEMBER 2009 KRTA NEWS PAGE 13

THANKS

DISTRICT PRESIDENTS Betty Powers Connie Wiggs J. B. Losey Shirley Sills Jim Hicks Buddy Rushing Central Ky East Central Ky West Northern Fifth Jefferson First

Nell Ritzheimer Anna Sturgeon Bettye Davenport Judy White James Connor Peggy Fugate Emma Lou Isaac Edwin Cook Second Third Fourth Middle Cumberland Upper Cumberland Upper Ky. River Big Sandy Eastern

THANKS BUSINESS PARTNERS

Hank Hensley, Finance & Investment Ken Prevett Line; Karli Burkhart & Gail LifeLock Dickman, Liberty Mutual Jeff Johnson Beth Roark LifeLock Megan Chetelat LifeLock Home Instead

Tom Brooks George Myers Liberty Mutual Liberty Mutual

Ruth Morgan Levi Reames Comfort Keepers Comfort Keepers Dave Farmer Mark VanMeter Kay Goldberg Liberty Mutual Liberty Mutual RIPE

Andrea Hayes Commonwealth John Motsinger Marvin Kinch Kevin Williams Sarah Short Credit Union NHA NHA Comfort Keepers Comfort Keepers PAGE 14 KRTA NEWS DECEMBER 2009 Thanks, Legislators, for participating in the Workshops!

Rep. Fred Nesler Rep. Mike Denham Sen. John Schickel Sen. Jack Westwood Rep. Joe Fisher in First District in Northern Ky. in Northern Ky. in Northern Ky. in Northern Ky. District District District District

Sen. Ernie Harris Rep. John Tilly Rep. Houseman Sen. Joey Pendleton Rep. Steven Rudy Sen. David Boswell Rep. Myron Dossett in Fifth District in Second District in First District in Second District in First District in Second District in Second District

Workshop Fun & Friends

President-Elect Melanie consulted with Jefferson County President KRTA Deputy Executive Director Janie Caslowe manned the Jim Hicks. computer/projector in Second District.

Legislative Committee member Don Hines, President Gilbert, and Dr. Wagoner gave out door prizes.

Dorris and Neal Tucker covered all 14 workshops for AARP! Billy Triplett and Ernie Trosper sang a few tunes.

“KRTA . . . on the road again . . . ” with Second District Karen Gilbert and Dorris Tucker ‘rigged’ a Batman costume Workshop participants ate well! for Humana’s Ken Schulz. DECEMBER 2009 KRTA NEWS PAGE 15

Dear Retired Teachers, FINANCE & It was my great pleasure to visit KRTA PARTNERS . . . twelve of fourteen 2009 KRTA INVESTMENT District Workshops. LINE I greatly enjoyed the visits and continue, even after these many 1-800-927-0030 Telemarketers and years together, to be impressed by the vigor and effectiveness of KRTA leaders, administrators and members. Kentucky's “No Call” Law Legaline Working for you has been, and continues to be, a pleasure. Thank you. We have all gotten them—those pesky Hank Hensley telemarketing calls. Sometimes it is a real 1-800-232-1090 person you speak with, sometimes it is a Municipal Bonds: computerized voice. Few of us like these types of calls and wish they would stop calling! Did you know that Kentucky A Little Home Cooking has a “No Call” law, and that, in conjunction with the federal government, you can put a stop to annoying telemarketing calls? Once the almost exclusive domain of institutional investors, the municipal bond market has become a magnet for individual investors. Since these bonds are Kentucky's “No Call” law provides an opportunity for Kentuckians who issued by state and local governments, the principles of federalism (remember want to reduce the number of unwanted telemarketing calls invading the high school civics?) demand that the interest from municipal bonds be exempt privacy of their homes (with some exceptions). The list is maintained as from federal taxation. Although they are generally free from federal taxes, part of the National Do Not Call Registry. Any telemarketer who calls a these bonds may be subject to state and local taxation. The interest on private Kentucky citizen whose home or wireless number is on the list and effective activity bonds may not be tax-free under the alternative minimum tax system. can be fined up to $5,000.00 per violation (unless they fall within one of the The popularity of municipal bonds has soared among individuals as they seek exceptions to the law). federal tax-free interest to combat the inherent penalties of high income: deduction There is no charge for consumers to put their name on the list. To get on and exemption limitations and higher marginal tax rates. the list, you must register with the National Do Not Call Registry. When A municipal bond is essentially a promissory note. When an investor buys a you register with the National Do Not Call Registry, your phone number municipal bond, he/she is lending money to the issuing state or local government. will automatically be included on Kentucky’s Do Not Call list, as well. You In return for the loan, the issuer pays interest at a specified rate and, at the end must, however, renew your request on the National list every five years. It of the period, pays back the principal. Funds raised through the sale of municipal takes about ninety (90) days for your number to be put on the list and for bonds are generally used to finance projects that benefit the public. The two you to stop getting unwanted calls. most common types of municipal bonds are general obligation bonds and revenue You can put your number on the list online at www.donotcall.gov or by bonds. General obligation bonds are backed by the “full faith and credit” and calling toll-free 1-888-382-1222 to reach the National Registry. You must the taxing power of the issuer. Revenue bonds are secured by the income from call from the telephone or wireless number you wish to register! the specific project they were issued to finance. There are exceptions to the Do Not Call list. Even if your name is on the Comparing the yield on a municipal bond to the return on a similarly rated, fully list, you may receive calls from telemarketers in the following situations: taxable investment is basically a function of the investor's tax bracket. Generally, the higher the tax bracket, the more the potential benefit from investing in municipal  Telemarketers who have a prior or existing business relationship with you bonds. To illustrate this point, if an individual is in the 25% federal tax bracket, a municipal bond paying interest at 6% will generate the same amount of income  Telemarketers who have received an express request from you allowing them to call (after tax) as a fully taxable investment earning interest at 8%. For an individual in the 35% bracket, that same municipal bond paying interest at 6% will be  Telemarketers with whom you have an existing debt or contract equivalent to an almost 9.2% taxable return. This taxable equivalent yield will  Telemarketers soliciting only donations for charities be even greater for investors who purchase home state bonds as these are also  Telemarketers who call your business exempt from their respective state income taxes. Remember, investing involves  Political calls or telephone surveys/polls risk and you may incur a profit or a loss. The example provided is hypothetical If your phone number is on the list and none of the above exceptions apply, and does not suggest or guarantee particular rates of return for any investment. yet you still receive calls, you can file a complaint by going to the Kentucky Attorney General’s website at http://nocall.ky.gov/complaint1.asp, or by Another important factor in evaluating municipal bonds is how long the investment calling 1-866-STOP (7867), or by mailing a written complaint to: The Office will last. Different bonds have different maturity dates and choosing the maturity of the Attorney General; Attn: NO CALL; 1024 Capital Center Drive, Suite date that is right for an investor depends upon his/her own investment objectives. 200; Frankfort, Kentucky 40601. When you file the complaint, be sure to Retired individuals who are collecting social security should be aware that include the name of the telemarketing company that called you and/or the municipal bond income is included in the determination of taxable social security phone number they called you from. benefits even though it is not part of their federal taxable income. Any information you give to the No Call center is kept confidential. You Municipal bonds offer an attractive investment alternative for many individuals. are only required to give them your telephone number and only your phone They can be purchased directly or through tax-free bond funds or unit investment number will be provided to telemarketers to prevent them from calling you. trusts (UIT). Remember to compare returns on municipals with other investments It is a crime for anyone to use your information for any reason other than using a taxable equivalent yield based upon the investor's marginal tax rate. Of preventing unwanted telemarketing calls. course, this brief article is no substitute for a careful consideration of each investor's particular financial situation. Before implementing any significant tax If you have further questions about Kentucky’s No Call law, you can contact or financial strategy, contact an investment advisor. the Attorney General’s Office at: Attn: No Call Law; 1024 Capital Center Prepared by Raymond James for use by Henry Hensley, of Drive, Suite 200; Frankfort, Kentucky 40601, or 502-696-5300, or Raymond James Financial Services, Inc. (Member FINRA/SIPC) [email protected]. Buckman, Farris & Rakes KRTA Finance and Investment Line (1-800-927-0030) 193 S. Buckman Street Shepherdsville, KY 40165 [email protected] PAGE 16 KRTA NEWS DECEMBER 2009

Offered by Get Your LifeLock NEW SPOTLIGHT ON . . . Questions Answered DENTAL

PROGRAM Delta Dental As announced here in the last issue of the KRTA News, the Keith Hazelbaker Kentucky Retired Teachers Association recently endorsed two specially priced LifeLock Identity Theft Protection plans. LifeLock usually New Dental Program costs $10 a month per adult, but thanks to the purchasing power of the Kentucky Retired Teachers Association, we have negotiated a discounted price for KRTA You need to check it out! members of only $8.99 a month for individual protection and $14.99 a month for family protection. KRTA has recently approved to endorse Since this announcement, we’ve gotten a lot of questions about how the plans Delta Dental work. Some of these questions are below. For additional assistance, please call North American Life Plans at 1-888-362-1214 weekdays between 9:30 a.m. as the new dental carrier effective 1/1/2010. and 6:00 p.m. Eastern Time. New enhancements include: What if I already have LifeLock but I thought I bought LifeLock, but my would like to get the special KRTA confirmation email and membership • No waiting periods for service member pricing? In order to get the kit refer to a “discount medical plan.” special KRTA member pricing, you will Your KRTA LifeLock membership • Dental implant coverage need to cancel your current LifeLock comes bundled with three additional plan by calling LifeLock at 1-877- • Enrollment anytime throughout the year benefits: Pharmacy Card, Elder/Long LIFELOCK (877-543-3562). Then visit Term Care and Family Consultation. To allow for a smooth transition, the earliest effective date of the KRTA web site at Because of these additional benefits, coverage will be 4/1/2010. The Delta Dental dedicated call center www.krtadiscountplans.com the plan must be referred to as a and application acceptance will begin 1/1/2010. Are you and sign up for one of the KRTA “discount medical plan”. They are not insurance and do not require any interested and would you like to know more? Look for the inserts plans. If you need assistance underwriting or paperwork. However, in this issue for all the details or call: purchasing your KRTA LifeLock plan, please call 888-362-1214. you do have access to these additional benefits if you choose to use them. Delta Dental 1-866-480-4872 I called LifeLock and they don’t know anything about special KRTA member Can I buy LifeLock by itself? Look at the inserts for more details. pricing. No, these are pre-packaged benefit We are a LifeLock distribution partner plans. However, even with the other three benefits, you are still getting and in order to get the special KRTA LifeLock for less than if you were to Hello Kentucky Retired Teachers: member pricing you must purchase your plan through us by visiting buy it directly from LifeLock. My name is George Harrington from Bethel Park, , retired from engi- www.krtadiscountplans.com or by Does my membership automatically neering sales. Presently I market an online fund raising program to high school and calling 888-362-1214. Once you are renew? middle school booster clubs for their athletic teams. Dubli, an international com- enrolled then you may contact Yes. Your credit card will be billed pany, originated the concept. LifeLock for assistance just like any monthly until you cancel your other LifeLock customer. Sales purpose - Fund raising for school teams membership. Target Market - High school and middle school booster clubs What will happen after I purchase my Can I pay annually? plan? The Dubli has two online fund generators: 1) a reverse auction and 2) a shopping At current time, the KRTA LifeLock mall. Booster Club supporters access the auction and mall sites in a private booster About 10-14 business days after your plans are set up on a monthly debit purchase you will receive your system. However, we are working on website obtained through the Dubli Partner program. This private booster club site membership packet. Your membership adding the option to pay annually. tracks all mall purchases and auction bids for general record keeping and profits to kit will be sent to you from Benefiq. be paid the booster club owner(s). There are no brick and mortar stores. All packages are sent via United Can I cancel my membership, and how Dubli and I need Business Associates to solicit booster club business in your state States Postal Service First Class mail do I cancel my membership? as well as the other forty-nine. Your sales solicitation would be mostly by phone and contain your membership booklet Yes. You may cancel at anytime for any and personalized cards. Note: Once and internet although the prospect/customer may request an occasional personal reason by calling 800-800-7616. you receive your membership kit, you visit. As a Dubli Business Associate, you would participate in a commission through must contact LifeLock and register Where can I get more information the Booster Club sales activity. your information with them so they about the services LifeLock provides? You may visit LifeLock’s Web site at For further information, please visit these three sites: can activate your service. www.lifelock.com for more information www.dublinetwork.com/3787870 Will LifeLock contact me for my about the services LifeLock provides. www.dublipartner.com/3787870 Social Security number and/or credit However, in order to get the special card numbers? http://www.boosterclubs.org/prodshowcase40.php KRTA member pricing, you must go to No. Once you receive your www.krtadiscountplans.com or call You can access the auction and mall from this last site. membership card and booklet in the 888-362-1214 to purchase your plan. Thanks for your interest. For any questions, contact me at mail (about 10-14 days after signing up) you must call LifeLock at 877- George Harrington LIFELOCK (877-543-3562) and Professional Services Company register your information in order to Ph: (412) 833-3906 activate your service. Dubli Business Associate email: [email protected] 162 Graeser Ave. Bethel Park, PA 15102 DECEMBER 2009 KRTA NEWS PAGE 17

The Benefits of Combining Auto and Senior Care Resource Home Insurance with Liberty Mutual by Sarah Short Comfort Keepers® continues to be a senior Most people do not realize the benefits of getting a quote on care resource and/or solution for all KRTA auto and home insurance at the same time. Typically, most members and their families. Comfort people request new quotes on their insurance only when they Keepers® is dedicated to providing non-medical in-home care that helps to receive their renewal auto or homeowners insurance bill. enrich lives and maintain the highest possible level of independent living for Dave Farmer Why combine your policies? The most immediately gratifying our clients. reason is to save money. Many insurance companies reserve With a network of over nine offices Many people are dealing either their best rates or apply a discount for their multi-policy customers. statewide, we offer a wide range of directly or indirectly with the A combined home and auto policy also helps you align coverages and in-home services tailored to meet the challenges of caring for an aging deductibles to prevent gaps of exposure. For instance, if you need personal unique needs of each individual client loved one. Comfort Keepers can be liability coverage to protect yourself from being sued regardless of the source, we serve. a care solution that allows families the limits you select on your auto and home liability should be the same. the peace of mind knowing that their Providing the type of care that allows Similarly, if you are willing to absorb the first $1,000 on a homeowner claim, loved ones are receiving the type of seniors, and many others requiring a you should consider the same deductible for an auto loss. care we would want our own family little extra help, the latitude of members to have. Making claims can be easier, too, when one provider covers losses that staying safely and securely in their involve your home and car. For example, if your car is burglarized and your own home versus seeking more Comfort Keepers® offers all KRTA luggage stolen, damage to the vehicle will be covered by your auto policy, traditional care options is a very members and their immediate and your personal belongings will be covered by your home policy. One gratifying business. Sometimes families a 5% off preferred rate on company means one call for both claims. people just need a little help that can Comfort Keepers services. For more come in the form of a healthy information about Comfort Money-saving discounts, protection from exposure gaps, and simplified homemade meal, transportation to a Keepers®, to schedule a free in- claims: when you think about it, getting information on both at the same doctor or hair appointment, light home senior care assessment, or time makes good sense. housekeeping, or simply someone simply to ask a homecare/senior who will listen and provide related question, please call 1-877- (Cont. from “United . . .” on page 1) odd jobs or their spouses paid in social desperately needed companionship. 257-KRTA (5782) or visit Can you retire at 55 and on 1.5% COLA security. But those teachers can’t draw For others, more assistance is needed www.comfortkeepers.com for the it, because of change in the law in the paid by the system live comfortably until in the form of personal care (bathing, location nearest you. Our phone 80’s. To me that is criminal. Working your death at 80, 90 or 100? With toileting, mobility assistance, etc.) lines are answered 24/7 by a live inflation at a double digits rate, I think together we can build a more sound, stable and secure future. Comfort Keepers is here to help in voice! We are here for you, KRTA not. At this stage of our lives, retired these scenarios! members! teachers should be able to work if they Since 1938 teachers have been blessed want to, or volunteer, travel, play with with a great retirement system. They that today. I don’t back up to get my why I will not vote for any incumbent in those sweet grandbabies, or just relax if have never missed a monthly annuity annuity check. The state should double office today. they choose. But I see more and more check. Now that is something to our annuity checks for what we all have teachers looking for something else to celebrate! Our cost of living has United We Win! Call your family, friends, sacrificed and done for this neighbors and active teachers and ask supplement their retirement incomes out increased at a greater rate than our Commonwealth. of necessity, not desire. I don’t know checks. Our insurance costs have sky them to do the same; and, yes, we will win, about you, but my retirement check does rocketed over the last twenty years. Our I need you to act when Dr. Wagoner, your if the trends continue. There are not go as far as it did twelve years ago. membership in KRTA has also greatly district or local presidents call or e-mail you approximately 50,000 active teachers, 41,000 on issues that concern us all. The 2010 receiving retirement benefits, a total of Our insurance is another issue. Yes, I increased. However, we still have much work to do! Do you realize that we lose session is on us and now we have the 91,000. If each would get their families, know it is a national problem; but time opportunity to make your voice heard. You friends and neighbors, we are talking about and again, we have been assured that about 700 members each year to death? With 41,000 retired teachers receiving may have heard me say that when I was in 500,000 votes. Do the math! We need to our insurance won’t undergo any major college a senator said “Cebert what are you be united to get respect. I have observed changes. Over the past few years, not benefits and 38,000 potential members, we have only 26,500 members. We have going to be?” With pride I answered, “A over my lifetime the election of legislators only did my monthly rate go up a little, teacher.” He said, “Oh, Cebert, you can and governors, and many have been but my health bills have gone up a lot. about 1,000 more teachers retiring each year. We must work extra hard to teach when you can’t do anything else.” I lawyers. We used to have a city judge, Prescriptions that were $30 for 3 months told a local teacher that, and the senator county judge and circuit judge, and now I are now $40. Again, pull out your maintain our numbers and double time to increase our numbers. was never elected again. That is the silent can’t name all the judges and special calculators and do some math. . . . with power of educators. Not long ago a state lawyers or mediators today. Can’t you see just five of those prescriptions If we are going to build our foundation, representative told me that retired teachers they have been taking care of themselves? increasing $10 every three months, you organization or structure it will take the were a bunch of patsies and the legislators Now we need to do the same. We need are spending $200 more a year for the whole village to do so. We need to go to could tell them anything and they would teachers active or retired as legislators and, same quantity of medication. Do you see our local meetings, talk to our families believe it. I don’t know about you, but I yes, we could elect our own governor. This how everything is adding up to cost you and our friend and neighbors and let don’t believe them and I am not a patsy for is not being political but a matter of more and you are getting less to live on? them know that we all worked hard and anyone. survival. We need to unite and take care It seems pretty simple to me, but not so long to give the children of our future The bad news for the legislators and the of ourselves for the good of this great clear to our state government. generations an education— that we now Commonwealth. need their help in uniting to win. That’s governor is if the elections were held today, This is our present situation: No COLAs I would not vote for any incumbent in Now the good news: the governor and from the state, higher insurance cost with our plan, our blueprint for success. Now, we have to start acting on the plan office. We all have one vote for a legislators have a chance to get my vote less coverage, and, of course, we can’t representative, one vote for a senator, and after the 2010 session because the election forget about social security. Back in 1938 to build a successful future for retired teachers across this state. one vote for the governor. They have at is next fall. But if they don’t give me a when the teacher retirement system was present given us ZERO COLA’s for two COLA of 3% or higher, don’t fully fund our enacted, teachers’ pay was so low they In 1976 I was the principal of Powell years, our insurance fund has taken nearly insurance fund through the budget, and could not pay social security and County High School, which combined a $1 billion from our investment or annuity they mess with our retirement system, they teacher retirement. Seventy years later, high school and vocational school funds, and they keep on trying to mess will not get my vote and it is my hope that look at the thousands of retired totaling 720 students and my salary was with our retirement system. Now that is they will not get yours either. “United We educators who worked summer jobs and $14,000 a year. Janitors make more than Win.” PAGE 18 KRTA NEWS DECEMBER 2009

MISCELLANEOUS INFO . . .

YOU MIGHT WANT TO KNOW Check out Government Watch, the response to AARP members’ requests for more transparency in government—their desire to know how their REGISTRATION SEMINAR senators and representatives are voting on key issues and what the Obama KENTUCKY TEACHERS’ 9:00 a.m. - 9:15 a.m. 9:15 a.m. - 1:00 p.m. Administration is doing to advance critical priorities. For more information, RETIREMENT SYSTEM PRE-RETIREMENT SEMINAR SCHEDULE visit http://www.aarp.org/makeadifference/advocacy/. ~~~~~~ December 5, 2009 Drawbridge Inn Coffee will be provided by KTRS. 2477 Royal Drive Social Security & Fort Mitchell, KY Medicare Figures Answers to over 700 questions Released in October concerning Medicare and Social Security can be found on the The following corrections/revi- AARP Announces Two The Social Security Adminis- website https:// sions should be made to your Opportunities to Save tration and the Dept. of Human questions.medicare.gov 2009-2010 KRTA Directory in Services released the 2010 Medi- — Editor’s Note (1) AARP and Coupons.com the September 2009 KRTA care & Social Security figures on announced a new relationship to News: October 22. In January, Medi- help consumers save money and care recipients will experience KTRS MEHP (Page 8 — Executive Council — E-mail) give back to those in need. The the following: AARP Grocery Coupon Center (Medicare Eligible GUS SWANSON . . . Second District www.GroceryCouponCenter.com 2009 2010 2301 Reigh Count Drive Health Plan) allows people of all ages to access Owensboro, KY 42301 Med. B $96.40 * coupons that will help them save 270.686.7570 As reported in the October 2009 [email protected] on everyday items from dozens of COLAs for 5.8% 0.0% KTRS Newsletter, no action is leading brands, including Kellogg’s, SS recipients need for 2010 if you are currently (Page 8 — Phone no.) Johnson & Johnson and Kraft enrolled in the KTRS MEHP plan. Foods. For each coupon printed SECOND DISTRICT - Henderson Co. * Currently, it is difficult to The monthly premium for the from the Grocery Coupon Center determine a retiree’s monthly Patricia McKinney Medicare supplement will increase between now and the end of the premium as it is based on your 609 Teal Lane year, Coupons.com will donate five to $342. All or a portion of the Henderson, KY income (2008) and how the Part premium for the 2010 Medicare cents to the customer’s choice of B is paid. For some it will be 270.831.5148 Advantage plan will be paid by selected AARP Foundation chari- $96.40; for others it could be KTRS based on the retiree’s entry (Page 10 — New President) table initiatives. The Coupon $110.50 or more depending on Center will make available as your situation. For 2010 you date and years of service at HARLAN COUNTY many as 100 or more valuable should contact Social Security retirement. Polly McLean coupons at any given time, with an at 1-800-772-1213 to determine P O Box 28 Spouses who elect coverage will average savings of more than what Part B premium you will Evarts, KY 40828-0028 pay the full cost—$342. one dollar per coupon. Please be charged. 606.837.3546 note that this offer is good through [email protected] — KTRS — KTRS December 31, 2009. (Page 10 — New e-mail) (2) With the upcoming holiday ~~~~~~ season, NRTA: AARP’s Educator FLEMING COUNTY Megan Hookey has been named vice president of NRTA: AARP’s Community is delighted to let you Dorothy W. Brown, Co-President know about a wonderful new Educator Community. She will oversee the management and day-to-day 117 Glaskcock Drive discount. AARP and Teleflora operations of the NRTA staff. You will remember Megan as the keynote Flemingsburg, KY 41041-2233 speaker at the morning session of the KRTA Convention in 2007. 606.845.0250/606.782.2233 recently announced a new relation- [email protected] ship that will enable NRTA and AARP members to get a 20% Are You at Risk for ID questions about your financial history. discount on a wide variety of floral (Page 10 — New President ) Theft? The result is a score between 1 and 999. arrangements, plants and gift The higher the score the more you are ROBERTSON COUNTY baskets. Your ID Score can alert you to your at risk for identity theft. risk for identity theft. For the first Ellie Thompson AARP members can now save on If your score is high, a link is provided to 962 Kenton Town Road time, San Diego-based ID Analytics, each and every purchase made the nonprofit Identity Theft Resource Mt. Olivet, KY 41064-7725 through Teleflora and enjoy the is making the “ID score calculator” 606.724.5080 Center, which can help you learn how to convenience of same-day delivery. available to consumers for free on the [email protected] protect your identity. AARP/NRTA members can go to website www.myidscore.com. —Excerpts from Cathie Gandel, www.teleflora.com/aarp or call All you need do is fill out contact AARP Bulletin, October 2009 (800) 355-4381. information (no social security number is required) and answer some simple DECEMBER 2009 KRTA NEWS PAGE 19 FOR YOUR INFORMATION uips, Quotes & Puzzles KRTA OFFICE Q 1 .800.551.7979 ~ 502.231.5802 ~ 502.231.0686 (fax) Test for “Oldtimers” [email protected] (e-mail) www.krta.org (web site) 1. After the Lone Ranger saved the day and rode off into the sunset, the KRTA LEGALINE grateful citizens would ask, “Who was that masked man?” Invariably, 1.800.232.1090 someone would answer, “I don’t know, but he left this behind.” What [email protected] did he leave behind? ______Buckman, Farris & Rakes Shepherdsville, Kentucky 2. When the Beatles first came to the U. S. in early 1964, we all watched KRTA FINANCE & INVESTMENT INFO them on The ______Show. Hank Hensley 1.800.927.0030 NHA LONG-TERM CARE INSURANCE 3. “Get your kicks ______.” 1.866.899.5796 4. “The story you are about to see is true. The names have been HUMANA DENTAL INSURANCE changed ______.” New Applicants 1.866.927.7587 5. “In the jungle, the mighty jungle, ______.” Current Members 1.800.342.5209 6. After the Twist, The Mashed Potato, and the Watusi, we “danced” AVESIS KRTA VISION PLAN under a stick that was lowered as low as we could go in a dance called Enrollment 1.800.466.5182 ~ Provider Questions 1.800.828.9341 the “______.” www.avesis.com 7. “N-E-S-T-L-E-S”, Nestle’s makes the very best ______.” AUTOMOBILE & HOMEOWNERS INSURANCE Liberty Mutual Insurance Company 8. Satchmo was America’s “Ambassador of Goodwill.” Our parents 425.8450, ext. 51666 (from Louisville) shared this great jazz trumpet player with us. His name was 1.800.430.2482 ext. 51666 (from outside Louisville) ______. Please mention Client No. 8815 when you call 9. What takes a licking and keeps on ticking? ______HEARING INSTRUMENT PLAN—HEAR IN AMERICA 10. Red Skelton’s hobo character was named ______1.800.286.6149 and Red always ended his television show by saying, “Good Night, and RIPE! for Retirement “______.” www.RipeforRetirement.com 11. Some Americans who protested the Vietnam War did so by burning 502.326.8962 or [email protected] their ______. KY TEACHERS’ RETIREMENT SYSTEM 12. The cute little car with the engine in the back and the trunk in the front 1.800.618.1687 or www.ktrs.org was called the VW. What other names did it go by? ______COMMONWEALTH CREDIT UNION & ______. 1.800.228.6420 or www.ccuky.org 13. In 1971, singer Don MacLean sang a song about, “the day the music COMFORT KEEPERS died.” This was a tribute to ______. 1.877.257.KRTA or www.comfortkeepers.com 14. We can remember the first satellite placed into orbit. The Russians did HOME INSTEAD SENIOR CARE it. It was called ______. 1.866.886.6834 or www.seniorcarelouisville.net NORTH AMERICAN LIFE PLANS including LifeLock 15. One of the big fads of the late 50’s and 60’s was a large plastic ring that we twirled around our waist. It was called the 1.888.362.1214 or [email protected] ______. www.krtadiscountplans.com TRAVEL ANSWERS: A Travel Expert! 1.800.627.6468 Bluegrass Tours 1.800.755.6956 or 1.859.252.5744 1. The Lone Ranger left 9. The Timex watch behind a silver bullet. 10. Freddy, The Freeloader, and “Good Travel Agents International 1.888.728.1112 2. The Ed Sullivan Show Night, and may God Bless.” 3. On Route 66 11. Draft cards (Bras were also burned.) 4. To protect the innocent. 12. Beetle or Bug 5. The Lion sleeps tonight 13. Buddy Holly, the Big Bopper & Ritchie 6. The limbo Valens ORDER FORM 7. Chocolate 14. Sputnik KRTA MEMBERSHIP PIN 8. Louis Armstrong 15. Hoola-hoop Share this with your “old” friends. It will drive them crazy, keep them Please send ______pins @ $2.50 each to busy and . . . let them forget their aches and pains for a few minutes! ______Contributed by Carla Hahn, KRTA Office ______E-Mail Alert! Enclosed is the check in the amount of $______. Send completed Order Form to: KRTA Please keep your e-mail address updated! 7505 Bardstown Road Contact us at: [email protected] Louisville, KY 40291-3234 PAGE 20 KRTA NEWS DECEMBER 2009 Deceased Retired Teachers

JULY, AUGUST, SEPTEMBER 2009 “. . . these immortal dead who live again in minds made better by their presence . . .” IN MEMORIAM

ADAIR COUNTY CLAY COUNTY GRAVES COUNTY JOHNSON COUNTY PERRY COUNTY Mildred Long Ruth Hacker Harvey Elder Rushie Preston Alverna Campbell Frances Stults Clayton Roberts GRAYSON COUNTY Arlene Skaggs PIKE COUNTY ALLEN COUNTY Willie Sizemore Robert Milam KENTON COUNTY Ruby Clevinger Sherry Blankenship DAVIESS COUNTY Bernice Shartzer Priscilla Cook Donald Pennell BELL COUNTY Debra Record GREEN COUNTY Anna Crawford Woodrow Runyon Alfred Cobb Marjorie Richmond Loneta Sublett Cheryl McCloskey Ruth C Scott BOURBON COUNTY ELLIOTT COUNTY GREENUP COUNTY Beverly Robles PULASKI COUNTY Elizabeth Scott Donald Wagoner Phyllis Carter KNOTT COUNTY Frances Dixon BOYD COUNTY ESTILL COUNTY Helen Lowder James Bolen Sibyl Randall Louise Davis Robert C Flynn Yetive McMillian KNOX COUNTY ROBERTSON COUNTY BRACKEN COUNTY Mary Martin Bertha Nickell James Bingham Sue Hornbeck Wayne McGee FAYETTE COUNTY Boone Roberts Jewell Lewallen ROCKCASTLE COUNTY BREATHITT COUNTY Iris E Banks Ola Smith LESLIE COUNTY James Cox Elvira Belcher Lillian B Creech HARDIN COUNTY Betty Keen ROWAN COUNTY BRECKINRIDGE Delores T Gregg Nancy B Collier LETCHER COUNTY Beverly Degraw COUNTY Gregory Reese Mary Hernandez Lovette F Brown Richard Eversole Thomas Belcher Charles Varney Eelin Scott Corsie C Collins Joyce Lemaster BULLITT COUNTY Elizabeth Woolwine HARLAN COUNTY Elaine Fields Wanetta Setser Genevieve Hayes FLEMING COUNTY Sandra F Daniel Homer Johnson SIMPSON COUNTY CALLOWAY COUNTY Ruth L Rankin Lawrence Howard Charles Stallard Mary Garrett Betty Jackson Kathleen Zachary HART COUNTY LEWIS COUNTY WARREN COUNTY Robert Jeffrey FLOYD COUNTY Jean Wilson Don Bowman Joy Kirchner-Johns Pauline McCoy Ora Allen HENRY COUNTY LINCOLN COUNTY WHITLEY COUNTY Bobby Rudd Geneva P Bailey Thelma Moody Charline Swope Thelma Lockhart CAMPBELL COUNTY Mable A Collins HICKMAN COUNTY LIVINGSTON COUNTY Frances Reeves Jerry Bradshaw Mildred Salisbury Gerald Vaughn David Smith Pauline Wyatt Jewell L Haley Milford Stevens HOPKINS COUNTY LOGAN COUNTY Helen Hesch Herston Stewart Margaret Comet Wallace Mason Edna Taulbee FRANKLIN COUNTY Ruby Oglesby MADISON COUNTY Willavene Yelton Mary Parsons Jessie Simmons Glynn Creamer CASEY COUNTY Estelle Whipkey JEFFERSON COUNTY Ether Hill Out of state deceased are Ocrey Hatter Mary Wordell Ellen Albright Willard Marshall listed with the county in CHRISTIAN COUNTY GRANT COUNTY Alberta Aubrey Thomas L Sexton which they last taught. Pauline Tucker Della Jones Kathleen Bertschinger MASON COUNTY Raymond Childers Felici Felice Edith Chism MCCRACKEN COUNTY Iva Dillingham Merl Mitchell-Gross KRTA OFFICE STAFF KENTUCKY RETIRED TEACHERS A SSN. 7505 BARDSTOWN ROAD Arvon Gue Donna L Saxon DR. ROBERT WAGONER OUISVILLE Nelda K Hendrick MENIFEE COUNTY EXECUTIVE DIRECTOR L , KY 40291-3234 502-231-5802 Janet Kendall Otto Ingram BRENDA MEREDITH 1-800-551-7979 DEPUTY EXECUTIVE DIRECTOR Thelma B Larimore MERCER COUNTY 502-231-0686 (FAX) COMMUNICATIONS Mary Losch America C Newett [email protected] (E-MAIL) JANIE CASLOWE www.krta.org (WEB SITE) Betty Lowe MIDDLESBORO DEPUTY EXECUTIVE DIRECTOR OFFICE HOURS Maude Lyttle Lee Shotton MEMBER SERVICES MON.- FRI. 8:30 AM - 4:00 PM Marie A May MONROE COUNTY FRANK HATFIELD Rosa Mills Carolyn Hagan EXECUTIVE DIRECTOR EMERITUS KRTA NEWS W Newton Eva B Thompson CARLA HAHN, SECRETARY (PUBLISHED QUARTERLY) Sharon Noel MONTGOMERY COUNTY BRENDA MEREDITH, EDITOR Mary H O’Callaghan Everett Donaldson BETTY HESTER, ASSOCIATE EDITOR Osborn MORGAN COUNTY Margaret Standiford Bonnie R Lewis KRTA OFFICERS Gertrude Stennis MUHLENBERG COUNTY

CEBERT G ILBERT, PRESIDENT Charles Stout Bernadine Steele MELANIE WOOD, PRESIDENT-ELECT JESSAMINE COUNTY OHIO COUNTY EDWIN COOK, VICE-PRESIDENT Yvonne Chrismon Sarah Atkins BILLY T RIPLETT, PAST PRESIDENT OWSLEY COUNTY William Burch