Kentucky Retired Teachers Association Serving Retired Teachers Since 1957 VOLUME LIII NUMBER 2 LOUISVILLE KENTUCKY NOVEMBER 2018

NRTA Announces The 2018 WITH OUR YOUTH! Award Winners Retired Educators in Kentucky, Mississippi and Virginia Honored for Outstanding Work with America’s Youth

Washington, D.C., August 31, 2018 - NRTA, AARP’s Educator Community, announced today the winners of its With Our Youth! award, a national recognition of the outstanding volunteer work of retired teachers to improve the lives of America’s youth. Th is year’s winners include retired teachers from Kentucky, Mississippi and Virginia. In its eighteenth year, the NRTA With Our Youth! award program recognizes retired educator volunteers who are addressing the specifi c needs of young Americans and their local communities. Aft er spending a career educating and nurturing children, retired teachers remain a powerful, steady and respected presence for children in the nation’s communities. “Teachers retire from the classroom, but they don’t retire from serving America’s youth and their local communities. We are honored to provide the 2018 NRTA With Our Youth! award to recognize their outstanding commitment to children and volunteerism,” said Al Campos, NRTA director. “Across the nation, retired educators tap their experience to continue to make a real impact across the generations. Even in retirement, teachers have an endless drive and energy that Betty Hill serves the greater good,” Campos said. Joanne Ashby Campbell County - Northern District Henry County - Fifth District (Continued on Page 4)

IN THIS ISSUE . . . AROUND THE STATE 572 NRTA WITH OUR YOUTH! Award Winners . . 1 Adair County RTA ...... 13 PERSONALLY SPEAKING Barren County-Glasgow RTA ...... 13

P A I D I A P From the Executive Director ...... 2 Bluegrass RTA ...... 13 permit permit prsrt std prsrt Boyd County RTA ...... 13

u.s. postage u.s. Membership & Retiree Health Insurance louisville, ky louisville, New WEP “Repeal and Replace” Legislation Bullitt County RTA ...... 13 Carter County RTA...... 13 A MESSAGE FROM THE PRESIDENT ...... 2 Clinton County RTA...... 13 KRTA PARTNERS Eastern District RTA...... 13 Liberty Mutual...... 3 First District RTA ...... 13 Easy Ways to Save on Energy Costs Th is Winter Jeff erson County RTA...... 14 Comfort Keepers ...... 4 Madison County RTA...... 14 Having the Conversation About Alzheimer’s Meade County RTA...... 14

VOTE! Th e Stakes Couldn’t Be Higher ...... 4 Monroe County RTA ...... 14 PUBLICATION

FALL WORKSHOPS 2018 Menifee County RTA ...... 14 Valuing Our Past, Strengthening Our Present . . . 5 Metcalfe County RTA ...... 14

Health, Insurance & Wellness ...... 5 Owen County RTA ...... 14 QUARTERLY Paducah/McCracken RTA ...... 14 A KRTA & AARP Working Together ...... 5 Teachers’ Retirement System of Kentucky ...... 6 Pike County RTA...... 14 Legislative ...... 8 Woodford County RTA ...... 14 Membership ...... 8 FOR YOUR INFORMATION ...... 15

Business Partners Participating in Workshops . . .9 MEMBERSHIP PIN ORDER FORM ...... 15 Kentucky Retired Teachers Association Teachers Retired Kentucky Legislators Participating in Workshops ...... 10 QUIPS, QUOTES & PUZZLES ...... 15 INSIDE SCOOP DECEASED RETIRED TEACHERS ...... 16 Volunteers Needed for AARP Foundation . . . . . 11 KRTA Welcomes Emily!...... 12

Presidents of the 14 Districts ...... 12

Louisville, Kentucky 40291-3234 Kentucky Louisville, 7505 Bardstown Road Bardstown 7505 PAGE 2 KRTA NEWS NOVEMBER 2018

2. Th e TRS Medical Insurance Fund is for over-65 MEHP claims. PERSONALLY SPEAKING . . . 3. Th e 2010 Shared Responsibility law said under 65 retiree costs were to be shared by state and those retirees, not the prefunded TRS Medical Insurance Fund. Doing so wasn’t part of the Shared Responsibility Plan and would undermine its actuarial analysis. New WEP “Repeal and Replace” Legislation Introduced Membership Legislation that would repeal Social Security’s current Windfall Elimination Provision KRTA membership continues to grow as (WEP) and replace it with a new proportional formula has been introduced in the we surpass 32,000 members statewide. Tim Abrams House of Representatives. However, based on the introductory remarks of its two Our membership was vital during the sponsors, House Ways and Means Committee Chairman Kevin Brady (R-TX) and the 2018 General Assembly and will be just Executive Director Committee’s Ranking Democrat, Richard Neal (D-MA), it appears that the bill is more as important as we approach the 2019 of a work in progress than a fi nal version they would like to see passed. General Assembly. Th is continued H.R. 6933 was introduced on September 27. It is the long-awaited replacement for growth is possible because of the work of the state committee co-chairs, Debby Murrell, H.R. 711 that Brady and Neal introduced in 2016. Th at bill would also have replaced Ernie Trosper, and Betty Hester coupled with many local membership chairs across the the current WEP formula with a new proportional formula that would be calculated state. Advocacy for the earned benefi ts of Kentucky’s retired teachers has never been using total lifetime earnings and then adjusted for the proportion of earnings that more important. KRTA will continue to advocate for the retired teachers of Kentucky came from a job covered by Social Security. and carrying out its sole purpose of looking out for their well being of Kentucky’s retired teachers. It would seem clear that the legislation is still a work in progress. Chairman Brady did not attempt to include it among the retirement provisions of the so-called “Tax Reform Retiree Health Insurance 2.0” legislation that passed the House on Friday, September 28. “I would encourage Legislation critically important to Kentucky’s teachers, referred to as the “Shared systems who have specifi c views on this latest proposal to be sure to share them with Responsibility Plan,” was enacted in 2010. Prior to this legislation, there was a $5 the Committee,” said Maureen Westgard, NCTR’s Executive Director. “I would also be billion in the unfunded liability portion of the retired teachers’ medical insurance fund. interested in systems’ thoughts on the proposed study and report concerning partnering Under shared responsibility, active teachers, school districts, retired teachers under the between the Social Security Administration and the public pension community,” she age of 65 and the state agreed to share the responsibility of retiree health insurance. continued. (NCTR did not take a position on the earlier legislation in the last Congress Th e law has been a resounding success, the envy of many states across the country, it due to the disparate views of many systems and the diffi culty in sorting out “winners quickly erased a $5-billion defi cit and the medical insurance fund at TRS is currently and losers.”) funded at about 27 percent aft er just eight years. Brady and Neal could attempt to pull a fi nal version of their WEP bill together for the Th e Shared Responsibility Plan was on a sustained path to full funding until this past post-election Lame Duck session of Congress, but it is unclear what the Senate strategy legislative session when the legislature decided to fund one year of the biennium, forgo is. Th ere is general agreement that some tax “technical corrections” bill could provide a its agreed upon contribution in the second year, requiring TRS to fund the state’s share vehicle for this legislation, as well as the retirement provisions that passed the House as out of its Medical Insurance Fund in fi scal year 2020. one of the three components of the overall tax package, but there is nothing defi nite yet. Th e legislature’s failure to live up to the 2010 Shared Responsibility Agreement will Lots to come in the Lame Duck! jeopardize all retired teachers health insurance if repeated in future budgets. It is For access to the complete article, go to https://indd.adobe.com/view/86fe53df-8a46- imperative we continue to remind our legislators of the importance of getting this 4fa9-a638-6c5e87f92246 funding back in the 2020 budget and reminding them: • Ways and Means Committee: “Brady, Neal Introduce Legislation to Ensure Equal Treatment for 1. Th e TRS Medical Insurance Fund for the Medicare Eligible Health Plans does not Teachers, Firefi ghters, Police Offi cers, and Other Public Servants When It Comes to Social Security” have a surplus. • H.R. 6933, to replace the windfall elimination provision with a formula equalizing benefi ts for certain individuals with non-covered employment

KRTA’s collective voice helps to protect and secure the rights of Kentucky retired PRESIDENT’S MESSAGE . . . teachers through solid and viable advocacy. Th e collective voice of KRTA is powerful. We gained respect during the past General Assembly through our Shirley Dick-Wolf informed, respectful, resilient voice. KRTA challenges its members to ask questions and to engage in productive dialogue “Valuing Our Past, Strengthening Our Present, Building for Our Future” with legislators. KRTA provides opportunities to listen and talk with legislators through workshops, and local, district and state meetings. In 1957—61 years ago—Kentucky’s retired teachers had many concerns and KRTA helps members to understand the issues and be better prepared to ask the issues. Individual teachers were speaking with their legislators but very little appropriate kinds of questions. favorable progress was made. It is this dissatisfaction with results that led a group of stalwart, persistent, purposeful, unwavering Kentucky retired teachers to form KRTA provides opportunities to share our strength in numbers thus impacting an organization which would lend its collective results. voice to protecting, supporting and promoting KRTA encourages members to lead with intelligent thinking and questioning skills. the issues and needs of retired teachers. It is critically important for retired teachers to stay informed about issues and KRTA is that collective voice for Kentucky’s bills regarding retired teachers. We have more presumed ability to infl uence our retired teachers. state representatives because WE VOTE. It is our right and our responsibility to KRTA has a broad focus encompassing the participate and make contact with our elected representatives. needs and benefi ts of retired teachers. United KRTA helps give us the voice and representation needed. Th rough the eff orts of we have a much stronger voice in the political our members and volunteer lobbyists, we are always working to continue the main arena on local, state and national levels because purpose established by our founders to “look out for the welfare of retired teachers.” united retired teachers take a stand and speak KRTA is the cornerstone for helping retired teachers eff ect change, secure the in one voice. As a result we can help change the results we seek, and value our founders as we continue to strengthen and build for direction of legislative thinking thus putting us KRTA President our future. on the forefront of political policy change. Shirley Dick-Wolf Wishing you good health, joy, laughter, God’s grace and many blessings . . . . NOVEMBER 2018 KRTA NEWS PAGE 3

KRTA PARTNERS . . .

Easy Ways to Save on Energy Costs This Winter Sara Short Having the Conversation About Alzheimer’s A message from Liberty Mutual Insurance Dennis Goebel, Vice President, Liberty Mutual Needing to have a talk about An estimated Alzheimer’s disease or memory loss 5.4 million Americans Cranking the heat in winter can make it hard to with a parent can be a daunting task for have been diagnosed keep energy costs down. Try these quick tips and many adult children. For seniors, the with Alzheimer’s disease, save on your home energy bills next winter: idea of being diagnosed with Alzheimer’s 5.2 million of them age 65 disease can trigger fear, anxiety, or even or over—and every  Use the sun. During the daytime, open curtains and blinds on the south side of grief. It’s no wonder some adult children 66 seconds, someone your home to let in natural heat from sunlight. Retain the warmth by pulling put the conversation off , once they see develops the disease. the blinds and curtains before the sun goes down. the initial signs in their loved one. What’s more, if the affl icted senior already has  Replace furnace fi lters. At the beginning of each heating season, replace furnace loved one may witness increased fear and impaired judgment or memory loss from fi lters. If the season is particularly cold and the heater runs oft en, check the fi lter paranoia. Instead, it is better to be open the disease, it may already be too late for midway through the winter, too. about it, while reassuring your loved one a rational, cohesive conversation about it. that it is a fairly common brain illness.  Add insulation. Insulating your attic and crawlspaces can make a signifi cant In any case, it’s wise to approach the topic Caregivers should tell him or her that impact on the heat conservation abilities of your home. Insulating these spaces with great sensitivity and care. helps prevent the exchange of indoor and outdoor air. there is nothing that could have been Taking A Loved One to See the Doctor done to prevent it, but there are things  Seal windows and doors. Caulk around the edges of windows, and install weather that can help slow the disease and you stripping in the cracks and crevices around doors that are prone to draft s. Symptoms related to the early signs of Alzheimer’s disease, such as memory will do your best to help. Also, allay any Remember to check around outlet and switch plates on walls, as well as the seal fear of abandonment. While it’s scary to around pipes, electrical conduits, and vents too. loss, confusion, mood swings, changes in personality, difficulty completing think of losing memory and forgetting  Install a programmable thermostat. Programmable thermostats allow you to certain tasks or fi nding the correct word the family, it is even more frightening to pre-determine your heater settings so that the heater runs when people are in the could also be caused by a number of think that the family will forget them. A home, but reduces temperatures—and the workload of your heating system— other medical or psychiatric problems. loved one’s anxiety should be eased by when you're not at home. Mentioning that a loved one’s symptoms telling him or her that no matter what  Reduce energy usage elsewhere. Unplug common electronic devices that are not could be the result of another underlying happens, you will get through it together. in use, including television sets, computers, microwaves, video game systems, issue may make him or her more willing Discussing the Diagnosis and cell phone chargers. Additionally, make sure your refrigerator is running to visit the doctor for a full examination Hearing about an Alzheimer’s diagnosis effi ciently by ensuring that the seals on the doors are fi tted and there are no and a proper diagnosis. from one’s child can be hard to take, but leaks. You should also clean your fridge’s condenser Family caregivers may also want to chances are a loved one already knows coils every six months. consider offering to go to the doctor that something is going on long before To learn more about Liberty Mutual Auto and Home with a loved one as part of a morning a doctor reaches a diagnosis—and he Insurance or get a free, no-obligation quote, call David or aft ernoon outing, such as going to or she has the right to know what is Farmer at 502-429-4504 ext. 51690 or visit www. lunch, shopping, or some other activity. happening. Here are some suggestions libertymutual.com/krta. An enjoyable event could take the sting on how to discuss the disease: out of having to visit the doctor for a fi rm Coverage underwritten and provided by Liberty Mutual Informing a loved one may enable Insurance Company and its affiliates, 175 Berkeley Street, diagnosis. him or her to participate in making Boston, MA 02116. Reprinted with permission from Liberty Dave Farmer Once Alzheimer’s Has Been Diagnosed important medical, legal, financial, Liberty Mutual Insurance Mutual. ©2014 Liberty Mutual Insurance How family caregivers approach a long-term care, and end-of-life loved one to talk about an Alzheimer’s decisions. How involved he or she is diagnosis can depend on the relationship will depend on the current state of the We’re fi ghting for with him or her. Are you close enough to disease symptoms. you! And every other have a frank conversation, and will the He or she may not be able to totally senior readily welcome your suggestions educator . . . understand the diagnosis, or may deny ATTACK ON and help? Or does he or she tend to what you say. If so, accept this reaction keep things private, and could become for now, and avoid further detailed Join us! Dues are only $20 embarrassed or self-conscious? Will he explanations of the disease until later. PUBLIC for an entire year. or she feel insulted? However family caregivers approach their loved one, You may choose to disclose the

PENSIONS it is imperative for him or her to feel diagnosis at a family meeting attended Membership applications supported and encouraged during this by your loved one, other family online at www.krta.org diffi cult time. members, a trusted friend, or even a member of the clergy or a social or call 800-551-7979 Researchers have found that families worker. You also may want to invite a who don’t discuss the disease with their (Continued on Page 4) PAGE 4 KRTA NEWS NOVEMBER 2018

Cont’d. from “Alzheimer’s” Page 3 Cont’d. from “NRTA Winners” Page 1 healthcare professional who works with VOTE! The Stakes Couldn’t Be Higher Th e following volunteers are winners of those who are cognitively impaired. the 2018 NRTA With Our Youth! award: Th e midterm elections are just a few days off . NonProfi tVote off ers comprehensive Joanne Ashby Write up some simple answers to a away, and the votes of retired teachers voter information by state to ensure your of the Kentucky Retired loved one’s questions, or encourage couldn’t be more important. Th e pension visit to the poll is easy and effi cient. Teachers Association. Joanne is a retired them to speak with his or her doctor reform bill passed by the state legislature art teacher and a 25-year volunteer with about concerns. Visit https://www.nonprofitvote. the Kids Cancer Alliance. A cancer this year is before the Kentucky Supreme org/states/kentucky/ to check your Let them know that you will provide Court, and that means we could see survivor, Joanne sees it as her true calling registration, fi nd your polling place, and to give hope, joy and encouragement ongoing help and support, and another pension battle in 2019. And view a sample ballot. Th is site also off ers do whatever is possible to improve retiree healthcare remains an ongoing through art to children and families information on absentee voting and voter battling cancer. their quality of life. issue for Kentucky legislators. identifi cation requirements, and it even She spends three weeks at the Alliance’s Treat the person as an adult, and don’t Th e bottom line is that we need to ensure includes information on volunteering to summer camps, craft ing art projects to downplay the disease. As the dementia we have legislators in office who are become a poll worker on election day. meet the needs of each patient. She also progresses, remain open to the person’s committed to protecting the fi nancial Make a Plan to Get to the Polls includes siblings in the craft s, as they need to talk about their illness and its security of Kentucky’s retired teachers. oft en are scared and worried for their implications—such as their ability to In 2018, retired teachers made sure their Getting to the polls to vote is easy for loved ones. work, drive, and manage fi nances. voices were heard like never before, and some—just a quick walk around the corner or a short drive to the polling Her energy and empathy enrich the Allow him or her to express his or her we must keep up the momentum. station. lives of children and families struggling feelings, which may include anger, While the Kentucky Retired Teachers through surgery, treatment and frustration, and disappointment. Be Association (KTRA) does not endorse But for others, getting to the polls emotional trauma. As she shares her art aware of non-verbal signs of sadness, candidates, we do take legislative may seem like an insurmountable projects, she helps them heal. Joanne is anger or anxiety, and respond with love positions designed to protect the interests task. Taking time off from work or the fi rst prize winner, receiving a $250 and reassurance. of our members. We encourage retired overcoming physical disabilities can grant for the Kids Cancer Alliance. teachers to cast informed votes, and we prevent retired teachers from exercising Watch for signs of clinical depression, their right to vote. And living in remote Betty Hill of the Kentucky Retired which could result from being told have developed a list of ten questions to ask candidates running for office. or rural communities can make getting Teachers Association. Betty is a long- that Alzheimer’s is a terminal illness, to the polls particularly diffi cult. time volunteer with Family Promise of and consult with a physician if needed. Th eir responses can help determine if these policymakers are aligned with But with a little advance planning, Northern Kentucky, an organization Find community support services. the interests of retired teachers. We there are ways to make sure your vote that shelters homeless families with Support groups for those in the early encourage retired education professionals is counted. the help of local churches. For the past stages of the disease can be helpful in to take time to review the 2018 Election ten years, Betty has worked to ensure expressing emotions and concerns. Did you know that several of the popular children have a safe, warm home. Guide available at https://teachfrankfort. ride-sharing companies are offering Comfort Keepers® can help. We have org/2018-election-guide-10-questions- She shops for groceries to ensure the free or discounted rides to the polls? children have healthy meals, delivers compassionate in-home caregivers who to-ask-candidates-for-state-offi ce/ to help Uber (www.uber.com) announced are specially trained to work with a family inform voting decisions. a cake and organizes a celebration for it is partnering with Democracy every child’s birthday, helps facility member who has been diagnosed with Pay Attention to Federal Elections Works and #VoteTogether to provide maintenance ensuring access to the Alzheimer’s and other dementias. Call promotional codes for free rides to ® In addition to state and local candidates, building and cleaning, and serves as an your local Comfort Keepers office to voters on November 6th. Meanwhile, discover all the services we can provide. all six of Kentucky’s seats in the U.S. overnight host to help with middle-of- House of Representatives are up for re- its ridesharing competitor Lyft (www. the-night emergencies for the children References: election. Th ere are a myriad of federal lyft .com) announced it will provide 50 and family members. Betty uses her 31 DementiaToday. “How to Have “The issues that could impact older Americans, percent off rides across the country, and years’ classroom experience to work Talk” with Your Parents”. Web. 2015. so informed voting is critical in protecting free rides to underserved communities directly with the children to make them Kentucky retirees. Learn more about that face significant obstacles to feel comfortable, safe and empowered. Caring.com. “How can I get my mother to transportation. acknowledge that she has Alzheimer’s?” Kentucky’s congressional candidates at Th e NRTA With Our Youth! program Web. 2016. http://bit.ly/2Crk0GO. Another option is to carpool. Driving was established by NRTA to provide Some of the issues Congress could long distances can be cumbersome, opportunities for retired educators Alzheimer’s Foundation of America. unrealistic or just dangerous for some Health Guide. Web. 2012. address next year that are important to and youth to work together to address age 50+ Kentuckians include: retired teachers. Reach out to a few the needs of youth and the broader Alzheimer’s Association. 2016 neighbors, friends or your fellow retired  Prescription drug prices community. State and local retired Alzheimer’s Disease Facts and Figures. teacher and arrange driving to the polls educators association (REA) volunteers  Web. 2016. Medicare and Medicaid together. use the resources provided by NRTA  Caregiving We appreciate the continued advocacy to organize local self-sustaining service  Taxes on retirement eff orts of retired educators, and hope projects. In 1997, NRTA made a three-  Financial Fraud that we can put lawmakers in offi ce who year pledge at the President’s Summit are committed to our fi nancial security. for America’s Future to serve 1.5 million KRTA’s partner, AARP, has developed a youth in 2,000 communities with a total rich body of non-partisan information of 45 million service hours through the about the election. Visit www.aarp.org/ REAs. Th at goal was exceeded, and the vote to take a deep dive on candidates program continues today. Each year, the and key policy issues. organization provides national NRTA Find Official Kentucky Voting With Our Youth! volunteer awards to Information recognize outstanding work of state and local REAs, as well as individual Prior to election day, investing a little volunteers. time preparing to cast your vote can pay NOVEMBER 2018 KRTA NEWS PAGE 5

Protection. Call 888-362-1214 for a free, no obligation review. Fall Workshops 2018 Liberty Mutual Automobile & Homeowners Insurance off ers a Group Savings Plan to KRTA members. Contact Dave Farmer at 502-425-8450 Ext 51690 to get a free, Valuing Our Past, Strengthening Our Present, no-oligation rate quote. Be sure to mention Client #8815. Building for Our Future Delta Dental Plans are off ered to our members. Call 800-971-4108 or visit www. deltadentalky.com for rates & enrollment form. VSP (vision plan) is purchased in President Shirley Dick-Wolf combintation with your Delta Dental Plan. Avesis Vision Plan is a stand-alone plan that off ers benefi ts for exams, materials, President Wolf’s message to all workshop frames and contacts. Call 800-828-9342 for information. attendees about the history of KRTA was packed full of information that everyone found helpful! Hear in America is a hearing instrument plan off ering a free annual hearing screening for you and your extended family. Call 800-286-6149 or visit www. Th e Kentucky Teachers Retirement system law, hearinamerica.com. passed in 1938, funded in 1940, specifi ed that teachers would contribute to the fund and the Heuser Hearing Institute off ers diagnostic, therapeutic and medical services for ear state would match their contributions. & hearing related issues. Call 502-584-3573 or visit https://thehearinginstitute.org. Several years and several administrations later, Bay Alarm Medical has professionally-trained operators who provide medical and the state failed to make appropriations. Th ese emergency response that’s second to none. For more information contact them at concerns prompted individuals to decide that www.bayalarmmedical.com/krta or call 1-877-522-9633. Kentucky’s retired teachers needed a voice and (Continued on Page 10) representation. KRTA President Shirley Dick-Wolf Prominent, concerned retired educators met to KRTA and AARP Working Together discuss creating/establishing an organization whose sole purpose would be to “look out for the welfare of retired teachers.” From Cebert Gilbert, AARP/KRTA Liaison this meeting in 1957, KRTA was established. Cebert encouraged everyone to join AARP and also become a member of NRTA Th at vision & purpose remains true today—61 years and going strong! by checking the NRTA box on the AARP membership form. By doing so, retired LEADERSHIP teachers are supporting the partnership of KRTA and AARP who work together on • Executive Director and Deputy Executive Director issues with which they agree: • State Executive Committee (State Offi cers)  Retirement Security • Executive Council (Representatives from each district)  Grandparent Essay Contest • State Committee Co-Chairs (Legislation, Health/ Insurance, Membership)  National Day of Service—September 11 • District Presidents, offi cers & committee chairs  School Supply Drive • Local Presidents, offi cers & committee chairs  Financial Security SCHOLARSHIPS and FOUNDATIONS  Caregiving/Prepare to Care  Drive to End Hunger/Yes, We Can Feed Th e KRTA Scholarship Program was established in 1991 in honor of KRTA member Kentucky N.O. Kimbler. It has grown substantially, and this year KRTA was able to off er  Fraud Watch Network scholarships—each valued at $1,650—to all 17 public community and technical colleges in Kentucky.  Voter Engagement Grandparent Essay Contest Cebert Gilbert KRTA has established the Kimbler-Bourgard Foundation. Th e foundation will continue the scholarship program and will build the benevolence initiatives for  Honors the role of grandparents retired teachers who hit on hard times and have no other family or resources.  Brings attention to number of students being reared by grandparents Th is project was important to Dr. Wagoner, and many donations were made across  Educates principals and teachers about the challenges of these students and the state to the foundation in his honor. grandparents.  Gains community service credit for participation. TEAMWORK and NETWORKING  Open to all 5th grade public school students KRTA is a team. Each member is a player on this team. We are all working toward a  Deadlines: School winners December 15, 2018 common goal to support and protect the needs of Kentucky’s retired teachers. Our County winners January 31, 2019 founders worked as a cohesive team in their eff orts to build an organization giving District winners March 1, 2019 retired teachers voice & representation. (Continued on Page 12)  State winner will be announced at the KRTA Convention in April 2019.  Visit www.aarp.org/grandparents for more information. Fraud Watch Network Health, Insurance & Wellness AARP has launched a national campaign to fi ght fraud and ID theft and give you Co-Chair Edwin Cook III and access to information about how to protect yourself and your family. See more information at aarp.org/fraudwatchnetwork. Margaret Head Sims School Supply Drive/Drive to End Hunger/Yes, We Can Feed Kentucky! The health, insurance, and wellness Many Retired Teacher Associations are collecting school supplies each year to help benefi ts off ered by membership in KRTA schools make sure each child has supplies. Locals are collecting canned goods to are certainly something to celebrate! help end hunger. Th ese are great opportunities for your group to make a diff erence. Margaret and Ed described these to Margaret Head Sims Volunteer Opportunities, Speakers, and More the workshop attendees, emphasizing that all pertinent All requests are approved based on speaker availability, location and group size. information could be found on Th e FACT Sheet (green sheet) Although there is no charge for providing the speaker, attendance at your event should in the workshop packet and available from the KRTA offi ce. be 25 or more people. Speaker requests should be submitted four weeks in advance. North American Life Plans is our Long-Term Care insurance Website: www.aarp.org/ky E-mail: [email protected] Phone: 1-866-295-7275. Edwin Cook III specialist. Additionally, they off er LifeLock Identity Th eft PAGE 6 KRTA NEWS NOVEMBER 2018

Teachers’ to address the unfunded liability. 2010 allows TRS to pay the non-single subsidy – something TRS cannot do without Retirement Th e new budget is on the heels of the the permission of the legislature – out of the TRS fund. Th is costs about $10 million System of two-year spending plan that expires June a year. Th e legislative authority given to TRS also requires approval of the Board of Kentucky 30 where TRS received 94 percent of the Trustees. staff traveled required contribution. Generally, this benefi t has been provided since 2004, with funding and/or permission with the Fall “Th ese new funds are hugely important from the state, for under-65 retirees who want to cover dependents through a family, Workshop team for TRS,” Executive Secretary Gary parent plus or couple plan. Th ese retirees represent about 7 percent of all retirees. and presented Harbin said. “Th is keeps the system on Based on the most recent budget passed, it would appear any subsidy going forward in each district. the path to full funding. We’re thankful for dependents covered through under-65 retired teachers would be the responsibility Workshop to Gov. Matt Bevin and the legislature for of the TRS fund. attendees this tremendous support.” received the latest news concerning Using the TRS fund for the subsidy for the dependents of under-65 retirees is their retirement system, insurance and What Budget Means for Retired Teacher manageable in the short term; however, it’s inconsistent with the 2010 Shared legislative issues. Health Care and Non-Single Subsidy. Responsibility solution and unsustainable in the long term. Th e retirement system for other state employees eliminated this subsidy several years ago. TRS staff , Don Wittbrodt, was on hand Th e 2018-20 budget funds retiree health all three weeks to explain the state of the coverage in ways that if repeated in future Th e dependent subsidy expense, if continued year aft er year, could lead to coverage insurance fund and benefi ts while Nazma budgets would negatively impact retiree reductions for all retirees and defeat the primary goal of Shared Responsibility to Haq, Dora Moore, and Kevin Briscoe health care. TRS is beginning discussions, protect the coverage of the entire retired teacher population. updated issues with TRS investment described more fully below, to ensure TRS will be reviewing the loss of funding for dependent care of under-65 retirees performance and governance. the long-term availability and current and will be meeting with education stakeholder groups to reach a consensus on coverage levels of the retirement system’s TRS was established by the General sustainable options for the future in time for 2019 plan year. retiree health plan. Assembly in 1938 and funded in 1940. A Th e other piece of the budget requires TRS to pay what has been the state’s share Defi ned Benefi t Group Retirement Plan “Certainly, this was a diffi cult budget, and of under-65 single coverage from the TRS fund to cover those same members who was established to provide retirement TRS is very thankful for the additional retired on July 1, 2010, or aft er. (Th e TRS fund, as envisioned by the 2010 Shared benefi ts for local school districts and funding it received for the pension fund,” Responsibility law, already pays the cost of under-65 health insurance for those other public educational agencies TRS Executive Secretary Gary Harbin members who retired prior to July 1, 2010.) Th e budget calls for any state surplus in the state. TRS now handles the said. “At the same time, using medical from the 2018-2019 fi scal year to go to TRS toward the $70 million one-year cost retirement needs for the educators insurance trust dollars in future budgets of the single-coverage premium subsidy for under-65 retirees that otherwise will in 173 school districts, KCTCS, 17 for purposes that were not intended come from the TRS fund. would jeopardize retiree health care in educational agencies and 5 regional “Earmarking any surplus for what has been the state’s share of under-65 retired the long run.” universities. Contributions from the teacher coverage is a positive sign that this hopefully is a one-time budgeting active teacher plus the employer match TRS retirees receive health care through occurrence,” Harbin said. “However, if continued, the cost would lead to coverage lasts six years. Aft er that, the retiree’s two plans. The first is the Kentucky reductions or premium increases for retired teachers.” annuity is paid from investments. Due to Employees’ Health Plan (KEHP) SYSTEM STATISTICS. the outstanding investment practices of administered by the state Personnel TRS, retirees will draw their annuity for Cabinet for under-65 and not Medicare- Field of Membership. As of June 30, 2016, the system has 146,588 members. More the remainder of their lives. Th e number eligible retirees. Th is is the same pay-as- than 52,000 receive a benefi t from TRS. TRS distributes approximately $166 million of members over 100 years old still you-go plan that covers active teachers monthly in retirement benefi ts. drawing annuities increases each year. and state employees. Impact. Th e sole reason TRS exists is to provide monthly checks for its retirees The national atmosphere of pension Th e second plan is the Medicare Eligible and their benefi ciaries and survivors. Th is means $155 million goes into Kentucky’s plans is putting our Defi ned Benefi t Plan Health Plan (MEHP) administered economy each month. Th e positive impact—for school districts, for members, and under attack. It has worked successfully by TRS for Medicare-eligible retirees for state and local economies—cannot be overemphasized. TRS distributed $2 billion for us for 78 years and with our positive and those 65 and over. The MEHP in 2015—what amounts over the last three years to $300 million increase or 7,500 fi nancial investment record, it should is exclusively for TRS members and jobs at $40,000 each. In most counties, the school district is the largest employer. not be changed. its accompanying Medical Insurance TRS Financial Updates. You’ve probably heard the calls for pension systems to be REBRANDING. Fund (TRS fund) has not had money transparent. TRS embraces transparency in the following ways: re-allocated to help balance the budget. For 76 years we were the Kentucky TRS has never used placement agents. Th e TRS fund’s assets – currently at a Teachers’ Retirement System. To make TRS does not use hedge funds. funding ratio of 26.7 percent – are for KTRS stand out with clear, consistent TRS has fi duciary duty and investment fl exibility in procurement. the claims of the MEHP’s over-65 single branding among the other state and Fees are disclosed in the annual report and quarterly on the website. coverage in the next 26 years. So, while educational agencies that members Structure is recommended as a “best practice” for other pension systems. the TRS fund is prefunded, it doesn’t have deal with, the rebranding eff orts have As the end of the year approaches, actuaries and auditors have completed their annual a surplus unless the funding ratio exceeds given us the name TRS. Along with work evaluating the condition of the retirement system for Kentucky’s teachers. 100 percent. the new logo, changes have been made Here’s what the reviews, and other updates, show: The new 2018-20 budget assigns the to FaceBook, Twitter, our website and Th e pension plan’s funding ratio improved to 56.4 percent as of June 30, 2017, costs for two pieces of retiree health care our email addresses. Th e new website is from 54.6 percent a year earlier. Th e unfunded accrued liability decreased by $200 —one dealing with premiums for the www.trs.ky.gov. million to $14.3 billion. Th e system received 99 percent of the actuarially required dependents of retired teachers and the THE BIG NEWS THIS YEAR: contribution – thanks to a $499 million additional contribution from the state budget. other dealing with premiums for under65 Full Funding. For the fi rst time in a retired teachers – to the TRS fund that Th e medical insurance fund improved to 26.7 percent funded compared to 21.9 decade, the full required contribution covers MEHP claims. Neither of those percent the prior year. When Shared Responsibility was enacted in 2010, the funding for the Teachers’ Retirement System of expenses were envisioned in 2010, when ratio was at 7.5 percent. the State of Kentucky is included in the Shared Responsibility became law, as uses Th e importance of funding is that most teachers do not participate in Social Security biennial budget. Th at consists of about for the TRS fund. and a Federal law off set will, in almost every case, eliminate their ability to receive $2 billion total, including the full $1.09 One piece of the budget not envisioned in billion requested in additional funding (Continued on Page 7) NOVEMBER 2018 KRTA NEWS PAGE 7

(Continued “TRS” from Page 6) overall well-being of the person receiving Healthways SilverSneakers Fitness. Kentucky for more than 75 years and is care Over 6,500 or 10.5% of the MEHP the largest carrier in the Commonwealth. a Social Security survivor benefi t from • Quit Power Cessation Program enrollees are actively participating in Anthem off ers an even bigger network their spouse’s account. Fift y-four percent this free or reduced opportunity to visit of providers, excellent service and • Note: Th ere is no long-term nursing of retirees younger than age 85 are single a gym. technology, and signifi cant opportunities and ninety-four percent of retirees age 85 home care through any TRS insurance Telemedicine—Introducing Virtual to help hold down costs. and above are single. Th ere are 46 retirees plan. Call KRTA at 800-551-7979 for Doctor Visits. Talk to a doctor whenever, CVS Caremark is the pharmacy benefi ts over the age of 100. long-term care options. wherever. Experience a live video chat, manager. Th e CVS Caremark network United Health Care’s Rewards for RETIREE HEALTH CARE. using a webcam-enabled computer, tablet includes more than 67,000 pharmacies Health. If HB 540 had not passed, we would not or smartphone. A virtual doctor visit nationwide, including chain pharmacies have a long-term solution to fund retiree Register at uhcretiree.com/ktrs or call with Doctor on Demand or AmWell has and 20,000 independent pharmacies. health care. The medical benefit for 888-219-4602 to see if you are eligible to $0 copay. Once a request for a visit has It is important to know that you do retired teachers under age 65 would have earn any gift cards for healthy activities. been submitted, the average wait time not have to use a CVS pharmacy and gone away and upon retiring teachers You may still be eligible for gift cards is about fi ve to ten minutes. A typical may continue to use your existing would have to pay the full cost of health rewarding your annual Medicare wellness visit lasts 10 minutes. You can fi nd a list retail, grocery store, and independent care (in addition to the Medicare Part visit or physical with your doctor, as well of participating virtual doctor providers pharmacy if they participate in the CVS B premium at age 65). Under Shared as rewards for fl u or pneumonia shots. by logging in online at www.uhcretiree. Caremark network of pharmacies. Responsibility, active members will The TRS MEHP Part D Prescription com/trs. Virtual visits may be best for WageWorks is the administrator for have medical benefits available when Drug Plan bid was awarded once again situations like a cold, fl u, skin rash or eye Flexible Spending Accounts (FSAs) and they retire. As is clearly evident, without to Express Scripts . Remaining with issue. Virtual visits are not appropriate Health Reimbursement Arrangements medical benefi ts, retirement security is Express Scripts allows TRS to continue as for serious or emergency situations. (HRAs). Th ey will also provide COBRA uncertain. Th e likely outcome would a member of the Know Your Rx Coalition Coriell Life Sciences. administration services. WageWorks be that teachers would need to work with access to eight pharmacists and the makes benefits programs easier to Pharmacogenomics is personalized much longer (closer to age 65) to make ability to leverage the Coalition for future understand and use so that everyone medicine. Using DNA to see what up for the loss of this benefi t. Shared drug pricing. can take advantage of pre-tax savings drugs will be safe and eff ective for you Responsibility means teachers will be and focus on what matters most. Th ey Gift card choices are Applebee’s, Kohl’s, may save your life. 84% of TRS retirees able to retire at a time of their choice with currently work with more than 29,000 Amazon, Starbucks, and Subway. Contact are on medications that are infl uenced greater retirement security. employers to help more than 3.2 million UHC at 1-888-219-4602 to acknowledge by genetics. Twenty-three thousand + people save money. Retirees under age 65, regardless of that your Wellness Visit or Physical has TRS retirees may need to stop or change retirement date who receive medical been completed and to receive your fi rst at least one medication. What this Out-of-pocket Maximums. The benefi ts through the Kentucky Employees’ card. data means is safety and savings for all LivingWell PPO and the Standard PPO Health Plan, began contributing an HouseCalls is a home visit with a UHC members of TRS. plan options have a pharmacy out-of- additional amount to the Medical pocket maximum as well as a medical nurse or physician. If you completed a Real Appeal. Insurance Fund eff ective July 1, 2010. visit by June 30, you received a $15 Target out-of-pocket maximum. Your pharmacy Th is on-line weight loss program began Th is amount is based on the standard gift card. costs are capped where previously your Medicare Part B premium that is currently in July. It provides members with tools, pharmacy co-pays continued to be your If you are turning age 65 in the future paid by retirees age 65 and over. a method of tracking food and activity, responsibility, even if you had met your and you are currently covered through and incentives for healthy weight loss. AGE 65 AND OVER ONLY. Th e TRS medical out-of-pocket maximum. the Kentucky Employees’ Health Plan, Questions? Call 844-344-7325 TTY 711. MEHP Medicare Eligible Plan was you will receive a TRS MEHP enrollment FSA Carryover. Up to $500 of your AGE UNDER 65 ONLY. awarded to United Healthcare (UHC). packet that must be completed and Healthcare FSA funds remaining in your UHC is a nationally-recognized company submitted to TRS approximately 30 days Th e medical vendor is the same as last account at the end of the 2017 calendar with offi ces in Louisville and Lexington before turning 65. year—Anthem Blue Cross Blue Shield year will carry over to the 2018 plan year. that employs 700 UHC employees. You should carefully plan the amount Know Your Rx Coalition Pharm-Assist (Anthem) and the prescription vendor Medicare Part B may increase slightly. is CVS Caremark. to contribute. Anything over $500 In addition to purchasing power, Know Th at means MEHP member will pay the KEHP remains a self-insured plan remaining at the end of the plan year Your Rx Coalition offers member increase to Social Security. To date TRS with benefits designed in-house. We run-out period will be forfeited. institutions clinical resources to help is not aware of any major plan changes will continue to have HumanaVitality Smartshopper points you in the right further manage Rx spend. in the MEHP. as our wellness vendor and Compass direction to lower healthcare costs. You 2018 MEHP Features: • Free counseling service via live SmartShopper as our transparency can shop by website, phone or call center. pharmacists. vendor. WageWorks is the COBRA/ It is easy to use and provides choice • Coverage for a routine hearing exam • Identification of lower cost HRA vendor. rewards and cost-eff ective decisions for every 12 months at a $0 copay prescription alternatives. Eff ective May 4, 2015, the pilot program procedures like mammograms, bone • A $500 hearing aid allowance every • Contacting physician to facilitate with the TRS and Know Your Rx Coalition density, colonoscopies, MRI and CT 36 months seeking authorization for lower cost under 65 retirees began. Under 65 TRS scans and surgeries. Call 855-869-2133 • hi (HealthInnovations) Hearing Aids alternative therapies. retirees on the KEHP and CVS Caremark Once your claim is paid, SmartShopper Discounts Program drug coverage may be referred to the verifi es that the location qualifi es for an • Liaison for retirees/physicians for incentive and mails you a reward check. • Six routine podiatry visits per plan issues with Rx benefi t including prior Know Your Rx Coalition pharmacists year at a $0 copay authorization, step therapy, and other just like retirees on the MEHP with Go365 has rewards for you! Set your • My Path to Health “Renew” magazine, programs. Express Scripts drug coverage. We are goals—Earn points—Get rewarded. very glad to be off ering this much needed Go365 (formerly HumanaVitality) is published 3 times per year • Educational resources for retirees– consultation program to our under 65 now “Go365 by Humana” in 2017. Visit • Solutions for Caregivers provides care adverse effects, drug interactions and retirees! livingwell.ky.gov for all your wellness planning and care coordination services general medication information. Anthem Blue Cross Blue Shield benefi ts and to sign in to Go365 use your designed to relieve some of the burden Call at Rx Coalition at 1-855-218-5979. HumanaVitalityusername and password. and stress of caregiving and supports the (Anthem) is the medical plan administrator. Anthem has operated in Questions? Call 855-478-1623. PAGE 8 KRTA NEWS NOVEMBER 2018

Legislative Co-Chairs Memberships Co-Chairs Don Hines & Larry Woods Betty Hester, Debby Murrell & Ernie Trosper

As KRTA members work to preserve the Teachers’ Retirement System of Kentucky According to the Membership Committee, members (TRS), these points are important to consider: are the key to our success! What should we do? 1. Retired teachers are not covered by Social Security. Th ere is no fi nancial safety Encourage Involvement. Keep members engaged net for Kentucky’s retired teachers. through emails, social media, web page, texts, printed 2. TRS was established in 1938 because Kentucky’s retired teachers were not and e-newlestters and phone. Take advantage of permitted by the Social Security Administration (SSA) to participate in the Social special events like convention, workshops, celebration Security program. of Retired Teachers Week, local book fairs, and fundraisers. Active members are happy members. 3. Approximately 52,000 retired teachers, benefi ciaries and survivors receive annuity payments each month. Eighty-nine percent Emphasize Value. Th ey want to feel they are helping of them live in Kentucky. KRTA, but they also want to get something our of it. Betty Hester 4. Over $155 million is distributed monthly Give them access to exclusive members-only off ers and providing a signifi cant positive economic impact on give them the opportunity to tackle legislative issues all of Kentucky’s local communities. that are relevant. Make use of our documents like the green sheet and the pink sheets to spread the word about our benefi ts. Convey this to recruits: Join now and Historically, approximately 70 percent of the connect to your past, present and future! Th e list of benefi ts isn’t just long; it can retirement allowance distributed annually comes be lifelong. Whether you’re in Kentucky or out of state or the country, as a member from TRS’ diverse, conservative investment of KRTA, you’re close to friends, the inspiration, and the passion that brought you earnings. here in the fi rst place—be that four or forty years Legislative Areas of Major Emphasis ago. Your membership is the best way to maintain Don Hines the tie with the one place that has been woven into Support Legislation that would improve the actuarial your DNA. soundness of TRS. TRS must be operated in a manner that assures earned benefi ts are paid in a timely manner. Both present and future retirees must be considered By joining, you become part of a large and close in any and all decisions relating to benefi ts to be paid, the funding of these benefi ts association of more than 32,000. It’s an association and the investment of the system’s resources. that shares your interests, your deep sense of pride, and an association with one of the most No further changes to the governance of TRS. Th e elected Board of Trustees, acting as accomplished networks in the country. And . . . It’s a semi-independent state agency, has a record of 75 years of successful management where you belong! that is unsurpassed in state government. Th e present trustee election process has served the best interest of Kentucky’s public school teachers and retirees for many Communicate Appropriately. Do you know how years with marked success. It is critical to keep political infl uence at a minimum your members wish to be notifi ed? level and keep TRS operating in a professional manner. . . . Concerning newsletters, legislative issues, Maintain TRS as a Defi ned Benefi t Group Retirement plan for all Kentucky public meeting reminders, special activities school teachers. A retiree cannot outlive his/her pension under a Defi ned Benefi t . . . With a computer database or spreadsheet, you Debby Murrell (DB) Group Retirement plan, unlike a Defi ned Contribution (DC) Individual Savings can easily code each person with their choices. account even with a Social Security safety net. Since Kentucky’s retired teachers do . . . Th en sort the list; each category could be monitored by a particular person. not have a Social Security safety net, it is vital that our DB Group Retirement plan continue. Also, research shows that DC plans are as much as 46 percent more costly Survey Former Members. Even with the best renewal strategies, some members than DB plans. choose not to renew. When that happens, survey them to fi nd out why they left , Promote full funding of TRS and maintain the medical insurance fund. Full funding which services they liked, and which areas of your organization they think you in a timely manner is required to keep the annuity fund in sound fi scal condition, need to improve. Use members’ responses to improve your organization’s off erings as is maintaining the medical insurance fund per HB and member retention rates in the future. 540 passed by the 2010 General Assembly (Shared Continue to develop all phases on the KRTA RADAR: Responsibility). Legislation requirements is essential • Reetaintain - CurrentCurrent membersmembers to the fi nancial well being of our members. TRS The sky’s the limit—this year’s • Atttracttract – NNewew & YYoungoung RRetireesetirees members are meeting their Shared Responsibility (HB goal is 32,519 members. 540) obligations. Full ARC Funding allows for more • Deevelopvelop – NNewew LLeadershipeadership growth through a sound conservative investment • Atttendtend - LLocalocal andand DistrictDistrict MMeetingseetings strategy. • Reemainmain - AttentiveAttentive toto CurrentCurrent TrendsTrends & IIssuesssues Where do we go legislatively from this day forward? Th e key is, “one on one” work with legislators. Always fi nd out who is running for House/Senate in your district. Meet with current legislators and legislative candidates. Seek their support on our major issues Larry Woods and fi nd out what questions or concerns they have and get back to them with a response. Remember what Tip O’Neil said: “All politics is local.” Keep informed as to the political landscape of public pensions at both the State and National levels through KRTA publications, TRS publications, and the news media What we need to do. Meet with current Legislators; Seek their support on our major issues; Find out what questions/concerns they have and get back to them with a response; Attend committee meetings. Always remember “Party” is not an issue. Ernie Trosper NOVEMBER 2018 KRTA NEWS PAGE 9 Business Partners Participating in the Workshops!

Kevin Briscoe and Lori Stepp Gary Harbin

Carol Pullen Air Land and Sea Travel Victoria Clements

Nazma Haq Dora Moore Don Wittbrodt

FINANCE & INVESTMENT LINE

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

Jeff Johnson & Jim Curley Legaline North American Life Plans

Birdie Dixon Patricia Walker Allison Russell, R.Ph. Gina Taylor Marissa Boeolhauf, R.Ph. Stacy Poskin Shirley Mae Watters Rebecca Murrell Clinical Staff Clinical Staff

Travis Albrecht, April Prather, R.Ph. Lea Goggin, R.Ph. Gail Dickman Dave Farmer Clinical Staff Clinical Staff R.Ph.Clinical Staff Julie Brown Deanna Boone Anthem BCBS Anthem BCBS Liberty Mutual Liberty Mutual PAGE 10 KRTA NEWS NOVEMBER 2018 Thanks to Legislators Participating in the Workshops!

Rep. Rocky Adkins Rep. Joe Fischer Sen. Alice Forgy Kerr Rep. Melinda Gibbons Rep.Angie Hatton Rep. Jimmy Higdon District 99 District 68 District 12 Prunty District 75 District 94 District 14

Rep. Kenny Imes Rep. D J Johnson Sen. Stephen Meredith Rep. Suzanne Miles Rep. Phillip Pratt Rep. Steve Rudy District 5 District 48 District 5 District 7 District 62 District 1

Rep. Sal Santoro Sen. John Shinkle Sen. Brandon Smith Rep.Diane St. Onge Rep. Wilson Stone Rep. James Tipton District 60 District 11 District 30 District 63 District 22 District 53

Want to fi nd out who your legislators Legislative Message Line are? 800-372-7181 Bill Status Line 866-840-2835 Calendar (Meetings) Line 800-633-9650 TTY Message Line 502-564-3490 800-896-0305 Sen. Johnny Ray Turner Sen. Robin Webb Sen. Whitney Westerfi eld Rep. Jill York District 29 District 18 District 3 District 96

(Continued from “Health & Insurance “ Page 5) Petfirst Pet Insurance is our newest • Hereditary Conditions First Choice Protection is our provider for your home security system needs. Th ey benefi t. Be sure to check everything that’s • Congenital Conditions are an authorized ADT dealer. Call 502-709-5645 or visit www.1stchoiceprotection. covered: • Chronic Conditions com. • Accidents • Alternative Th erapies For superior Senior Care we have three participating patners: •Illness • X-rays • Diagnostic Tests Comfort Keepers : 1-877-257-KRTA or www.comfortkeepers.com • Exam fees • Surgeries • Holistic Care Home Instead: 866-886-6831 or www.homestead.com • Medications • And much more Home Helpers: 859-797-3127 or www.homehelpershomecare.com/lexingtonky • Ultrasounds Call 866-937-7387 or go to www.petfi rst. & 606-657-9441 or www.homehelpershomecare.com/londonky • Hospital stays com/krta. • Hip Dysplasia NOVEMBER 2018 KRTA NEWS PAGE 11 Legislative Candidates Visiting Our District Workshops

Candidate District Offi ce Party Candidate District Offi ce Party

Dustin Allen 87 House Democrat Jordan Huizenga 65 House Republican Abby Barnes 4 House Democrat Adam Koenig 69 House Republican Josh Blair 63 House Democrat Bruce Kunze 12 House Democrat Adam Bowling 87 House Republican Ashley Laferty 95 House Democrat Dustin Burley 53 House Democrat Debby Lambert 3 Supreme Court Non Partisan Matt Castlen 8 Senate Republican Scott Lewis 14 Senate Republican Crystal Chappell 6 Senate Democrat Darrell Link 61 House Democrat Terri Clark 100 Senate Democrat Savannah Maddox 61 House Republican Brian Clark 100 House Republican Russ Meyer 39 House Democrat William Coleman 9 Senate Democrat Terry Mills 24 House Democrat Greg Coulson 78 House Democrat Ryan Mosley 92 House Democrat James DeWeese 50 House Democrat Desiree Owen 1 House Democrat Linda Edwards 6 House Democrat Col Owens 69 House Democrat Larry Elkins 5 House Republican Jesse Parks 60 House Democrat Emily Ferguson 72 House Democrat Debra Payne 86 House Democrat Dan Fister 56 House Republican David Ramey 5 House Democrat Bob Glenn 8 Senate Democrat Rachel Roberts 4 Senate Democrat Joe Graviss 56 Senate Democrat Bob Schrage 67 House Republican Joy Gray 7 House Democrat Scott Sharp 18 Senate Republican Susan Haddix 34 Senate Democrat Cherlynn Stevenson 88 House Democrat Lex Hannan 66 House Libertarian Dave Suetholz 20 Senate Democrat Roberto Henriquez 66 Senate Democrat Julie Tennyson 2 Senate Democrat Kathy Hinkle 96 House Democrat Buddy Wheatly 65 House Democrat Cluster Howard 91 House Democrat Brent Yonts 15 House Democrat

KRTA Member Participation: Contacting Your Legislators Volunteers Needed For AARP Foundation Tax-Aide

It is important that KRTA members help keep their legislators informed. Legislators AARP Foundation Tax-Aide is the nation’s largest volunteer-run tax preparation service need to know your thinking on those issues upon which decisions will be made and AARP Foundation Tax-Aide is looking to expand its team of volunteers for the upcoming the facts on which such thinking and conclusions are based. As a KRTA member, tax season. Tax-Aide, celebrating its 50th year, off ers free in-person preparation and you can help insure good legislation concerning retired teacher issues on state and assistance to anyone, especially those 50 and older, who can’t aff ord a tax preparation national levels by communicating with your elected representatives at the proper service. Volunteers make a diff erence in their communities by assisting many older, time. Personal contacts can be a meaningful way to infl uence a legislator. lower-income taxpayers, and their families, who might otherwise miss out on the tax Points to remember when approaching an elected offi cial: credits and deductions they’ve earned. Since its inception, AARP Foundation Tax-Aide has served more than 68 million 1. Build a relationship with your state elected offi cials and their aides; this takes taxpayers. Th e program is seeking volunteer tax preparers, client facilitators, those time (attend fund raisers, town meetings, etc.). who can provide technical and management assistance and interpreters. Every level of 2. Be brief and be prepared—take the time to read all available background experience is welcome. Volunteer tax preparers complete tax preparation training and material. IRS certifi cation. 3. Know the issues—pros and cons. Last year, 450 AARP Foundation Tax-Aide volunteers helped more than 30,000 people 4. Be honest—the primary goal of your visit is to express your concern over a fi le their federal and state tax returns. Th e program is off ered at approximately 60 sites particular bill or issue. in Kentucky, including senior centers, libraries and other convenient locations. 5. Be polite and specifi c (we need to agree to disagree) it is generally advisable not AARP Foundation Tax-Aide has grown since its inaugural team of just four volunteers to get into arguments; don’t demand a commitment before the facts are in. in 1968. Th e program now involves 35,000 volunteers and serves over 2.5 million 6. Be constructive—give reasons for your position, explain how the issue would taxpayers annually at nearly 5,000 sites nationwide. In 2018 taxpayers who used AARP aff ect you, your family, or profession, or the eff ect on your community, on our state; Foundation Tax-Aide received $1.3 billion in income tax refunds and more than $213 if you want to suggest amendments to a bill that has been introduced, it is important million in Earned Income Tax Credits (EITCs). Taxpayers do not need to be a member of AARP or a retiree to use Tax-Aide. that you have: a) a clear idea of what you want to be included or deleted; To learn about our volunteer opportunities, visit aarpfoundation.org/taxaide or call 1-888-OUR-AARP (1-888-687-2277). AARP Foundation Tax-Aide is off ered in b) the reasons to justify the proposed change; and coordination with the IRS. c) good, strong facts to back up your position before you contact your legislator. About AARP Foundation. AARP Foundation works to end senior poverty by helping 7. Limit handouts unless you are asked for more information—do not “overkill;” vulnerable older adults build economic opportunity and social connectedness. As AARP’s stick to the issues that you came to discuss; don’t wander into other issues. charitable affi liate, we serve AARP members and nonmembers alike. Bolstered by 8. Work with staff —No legislator can be an expert on everything. vigorous legal advocacy, we spark bold, innovative solutions that foster resilience, 9. Praise past eff orts and listen to their issues without interrupting—they oft en strengthen communities and restore hope. have input from many resources to which you may not have access. To learn more about AARP Foundation visit aarpfoundation.org. 10. Follow up a visit with a note thanking them for their time and for listening to your point of view and for his/her vote. PAGE 12 KRTA NEWS NOVEMBER 2018

(Continued “President Wolf” from Page 5) complement an agenda-oriented INSIDE SCOOP . . . “Alone we can do so little. Together we workplace to help keep the wheels of can do so much.” -Helen Keller KRTA business turning in a healthy and productive fashion. Staff members Networking has been cited as a are Tim Abrams, Janie Caslowe, key factor of success in building an Charlotte Lindley, Betty Hester, Brenda organization for sustainability. Who Meredith, Jan Abrams, Emily Carey. you know really can impact what you know. Th e next step is to share what you “Volunteers don’t get paid . . . not KRTA Welcomes Emily! know with others. because they are worthless, but because they are priceless.” – S. Anderson Networking is making critical KRTA is proud to have Emily Carey as the connections for building the Kentucky Volunteering not only has amazing new offi ce manager. Although this full-time Retired Teachers Association. KRTA positive benefi ts for the community position is new for her, she has been a valued off ers many networking opportunities: but amazing positive benefi ts for the part-time employee at KRTA since 2014. She volunteer giver. established and still maintains the KRTA With the needs of retired teachers in mind, KRTA off ers: In 2017 there were 909,496 volunteer Facebook page. hours. Th e value of each volunteer Emily is a University of Louisville graduate • Annual State Convention—April hour is $24.14. Th e total value is and holds a Bachelor’s Degree in Business 23-24, 2019 Hurstbourne Holiday $21,955,233. Th is is just from members Administration concentrating in Marketing. Inn—Louisville who actually submitted their volunteer She was previously a substitute teacher • Fall District Workshops—One in hours! for Jeff erson County Public Schools and each of the 14 Districts Be PROUD to be a member of YOUR an employee at UPS in the Accounting • Quarterly Newspaper professional organization. Help people Department. • Website understand who we are and what we • Facebook She and her husband, David, have two boys— are about! Emily Carey • Twitter 14-year-old Jackson and 11-year-old Colton. • Text Messages • Inform! Jackson plays competitive baseball and Colton plays football. Her family loves •Emails • Persuade! going to sporting events, visiting Rough River and just spending time together. • Letters • Increase awareness! Emily says, “I am excited to start this new adventure in my life with such a • Phone Calls • Create interest! wonderful group of people and have the opportunity to serve Kentucky’s retired • KRTA Offi ce Staff • Generate positiveness! teachers.” Maybe that’s because her parents, grandparents and aunt were all • Advocate for retired teachers! Th e KRTA offi ce staff is small teachers in Kentucky! • Help strengthen & build KRTA! but powerful! Th e staff members Presidents of the 14 KRTA Districts

FIRST DISTRICT SECOND DISTRICT THIRD DISTRICT FOURTH DISTRICT FIFTH DISTRICT EASTERN DISTRICT JEFFERSON Charlotte Benton Rebecca Hudson-Brown Jan Yonts Mary Lois Roberts Marie Wright Ann Porter Rick Tatum

CENTRAL KY EAST CENTRAL KY WEST MIDDLE NORTHERN KY UPPER CUMBERLAND UPPER KY RIVER BIG SANDY DISTRICT DISTRICT CUMBERLAND DISTRICT Sherry Skaggs DISTRICT DISTRICT Avis Th ompson Marianne Leet Tishana Cundiff Lori Flerlage Paula Adams Michael Caudill Gene Davis NOVEMBER 2018 KRTA NEWS PAGE 13

Bullitt County RTA AROUND THE STATE . . . L to right front row: Co-Presidents Leon Remington and Nita Neal; Vice-President Carolyn Dennison; Treasure Nan Wilkins back row: Immediate Past-Presi- dent Johnda Conley Adair County RTA KRTA Membership Co-Chair Adair County retired teacher, Rita Marshall, “Debby” Murrell installed the of- with Lindsey Wilson College (LWC) fi cers Education Junior, Kellie McGaha and Adair County Retired Teachers’ President, Ellen Zornes, present the Bobbie Coomer Memorial Scholarship in the amount of $500 Carter County RTA to Kellie. Each year our local association gives the scholarship to a deserving Adair County junior majoring in Education at LWC. Barren County-Glasgow RTA

Th e Barren County-Glasgow RTA Offi cers for 2018-2019 were elected: President, Glenn Byrd; September Meeting Membership Chairman, Gail Bunch; Secretary, Cindy Wilson; Clinton County RTA and Treasurer, Ruby Edwards. Th ese are the offi cers for Clinton County. Patty Combest is remain- ing as Vice President, new Presi- dent is Connie Armstrong, new Treasurer is Debbie Craig, and Bluegrass RTA new Secretary is Martina Brown.

(L) Don Adams, Patsy K, Rainey, Eastern District RTA and Morris Riddle are ready to ship out newsletters with membership cards to Fayette EDRTA Meeting August 8, 2018, and Bourbon County Retired at Reno’s in Morehead, Ky. Th e educators. Presidents and Chairpersons of Legislative, Health & Insurance, and Membership were present from each local RTA.

Boyd County RTA First District RTA

Th e regular meeting of the Boyd County RTA was held on September 6, 2018, at the Elk's First District met at noon, June 26, at Majestic Steakhouse in Draff enville for last meeting Lodge in Ashland. Large amount of school supplies were brought in for the School Back of the fi scal year. Offi cers and committee chairs for 2018 – 2020 recited in unison their Pack Program. pledge of commitment. Th ey were: President Charlotte Benton; Vice President Wayne Pictured are Georgia Roberts and Georgia Miller, Donations Co-Chairpersons; David Miller, Lohaus; Secretary Redeana Jones; Corresponding Secretary Julia Davis;Treasurer Nancy Vice-President; Margaret Sims, KRTA Co-Chair for Health and Insurance; Th eresa Kazee, Smith; Insurance Chair Darl Henley; Legislative Chair Aaron Beals; Membership Chair President; Nancy Douglas, Treasurer; and Jean Fraley, Membership. Anita Th omas. PAGE 14 KRTA NEWS NOVEMBER 2018 Menifee County RTA Jefferson County RTA Newly elected offi cers: JCRTA members donated 150 hours during L-R: Nancy Wells (Treasurer), Glenna the Louisville Mayor’s Week of Service Adams (Vice President), Elaine Brown in April helped feed the hungry in Africa, (President), Cora Brewington (Membership assisted doctors with medical care in Asia Chairperson). Offi cers not pictured are and Africa and provided assistance at a Shelia Coff ee (Secretary), Richard Ratliff local cancer support agency. Volunteer (Legislative Chairperson), Pam Davis teams went to Supplies Overseas, Love the (Health and Insurance Chairperson) Hungry and Gilda’s Club in Louisville. Gilda’s Club Metcalfe County RTA Talking with members of the Metcalfe County RTA about our Partners (the green sheet) was Margaret Head Sims, KRTA State Co-Chair for Health and Insurance. Questions were answered about the Insur- ance benefi ts for the Under 65 category and the Over 65 Medicare Eligible cat- egory. Great time was had by all. Carolyn Edwards is President of MCRTA. Owen County RTA presentation and answered questions our members had. Owen County Schools Superintendent, Rob Staff ord, also attended and gave us an update of the many Madison County RTA things happening in our school OCRTA’s June quarterly meeting had system. The OCRTA members Margaret Sims, KRTA Health and Insurance helped earn a Gold Award and also a Top Madison Co. RTA members Susan Gay Chairperson, and her husband Wayne as Membership Award this past year. Members were given packages of GOLDfi sh and GOLD Taylor, Beth Jones, Jill Whittaker and Steve guests. Margaret gave a very informative Foil-Wrapped Kisses! Gillespie presented Daniel Boone Shool Family Resource Director, Tracy McIntosh, Paducah/McCracken RTA with over $100 of school supplies to distribute. All Madison Co. Students receive Paducah McCracken County Retired Teachers Association free lunch. collected approximately 13 bags of essential school supplies and $135 for Morgan Elementary School, Paducah, KY and $135 for Lone Oak Elementary School, Lone Oak, KY to give students in need the right tools for school.

Pictured is Charlotte Benton, President of PMCRTA, delivering school Meade County RTA supplies to Lone Oak Elementary School staff member for Family Resource Center. On August 9, 2018, MCRTA met at the Miller Campus of the Meade Co. School District for a New Retiree Salad/Dessert luncheon and meeting. Th ere were 37 in attendance. Four Pike County RTA new retirees were honored at the luncheon: Denise Wuchner, LuWaine Gilland, Lesley Millard Elementary received back pack Wilson, and Dawn Miller. Greetings were supplies from PCRTA. Pictured are: Rhonda brought by Supt. Dr. John Millay, and the Coleman (Youth Services Director), Mary group also welcomed former Superintendent Alice Hunt (PCRTA Secretary-Treasurer) and Stuart Pepper. Aft er a brief business meeting, Tony Taylor (Custodian) who helped transfer Don Wittbrote from the Teachers' Retirement the supplies. System brought important news and updates Don Wittbrote, TRS about Ky retiree health insurance. Deliveries were also made to Pikeville Elementary. Monroe County RTA Speaking on Health and Insurance at the Monroe County RTA meeting in Woodford County RTA September was Margaret Head Sims, KRTA Co-Chair for OFFICERS FOR 2018-19 Health and Insurance. L to R: Bobby Gaff ney, Past President; Issues included the Over 65 Steve Campbell, Treasurer; Mary Ann and Under 65 benefi ts as well Miller, Secretary; Jim Cole, Vice President; as the KRTA Partners and the Tim Abrams, KRTA Executive Director; benefi ts available to any and all and Kathy Cole, newly elected President. KRTA members. A $20 membership gives so much to each and every member of KRTA. Cecilia Stephens is the President of MCRTA. NOVEMBER 2018 KRTA NEWS PAGE 15 FOR YOUR INFORMATION KRTA OFFICE uips, Quotes & Puzzles 800.551.7979 ~ 502.231.5802 ~ 502.231.0686 (fax) Q [email protected] (e-mail) www.krta.org (website) KRTA LEGALINE The Black Edison 800.232.1090 Chances are you have no trouble identifying the inventor of the [email protected] Rebecca Murrell Louisville, Kentucky incandescent light bulb, the phonograph or the movie camera (in case you KRTA FINANCE & INVESTMENT INFO didn’t know, it is Th omas Edison). Sadly however, you might have trouble Hank Hensley 800.589.1260 coming up with the name of the one who invented the multiplex telegraph, DELTA DENTAL/VSP INSURANCE allowing communications between trains and train stations over telegraph 800.971.4108 or www.deltadentalky.com wires. Th at individual was Granville T. Woods, an African American who AVESIS KRTA VISION PLAN lived and worked in New York City just aft er the Civil War. Enrollment 800.466.5182 ~ Provider Questions 800.828.9341 Woods’ invention was not good news for Th omas Edison, who www.avesis.com BAY ALARM MEDICAL had been working feverishly to produce the same type of communications 877.522.9633 www.bayalarmmedical.com/krta device. Edison took Woods to court, but the courts agreed that Woods FIRST CHOICE PROTECTION completed his invention fi rst. Believing he could still profi t from Woods’ Home Protection~Authorized ADT Dealer expertise, Edison invited Woods to partner with him. Woods turned him Burglary~Fire~Carbon Monoxide~Closed Circuit TV down, humiliating Edison. Th is exchange earned Woods the label of “the 502.709.5645 www.1stchoiceprotection.com Black Edison.” AUTOMOBILE & HOMEOWNERS INSURANCE Woods did not stop there. He went on to invent 15 more appliances Liberty Mutual Insurance Company 888.504.0156 ext. 51690 or 502.429.4504 ext. 51690 for the railway system and the street car. His power pick-up device is the HEARING INSTRUMENT PLAN—HEAR IN AMERICA basis of the “third rail” currently used by electric-powered transit systems. 800.286.6149 or www.hearinamerica.com He received nearly 60 patents, many of which were assigned to the major TEACHERS’ RETIREMENT SYSTEM OF KY manufacturers of electrical equipment that are a part of today’s daily life. 800.618.1687 or www.trs.ky.gov Among those 60 patents was an improved telephone transmitter, which COMMONWEALTH CREDIT UNION combined the telephone and telegraph, and was bought by none other than 800.228.6420 / 502-564-4775 or www.ccuky.org Alexander Graham Bell. COMFORT KEEPERS 866.676.9888 or www.comfortkeepers.com HOME INSTEAD SENIOR CARE Uno Lingo 866.886.6831 or www.seniorcarelouisville.net HOME HELPERS HOME CARE Use each letter of the alphabet below just once to complete the puzzle. All 859.797.63127 or www.homehelpershomecare.com letters must be used. NORTH AMERICAN LIFE PLANS including LifeLock 888.362.1214 or 502-553-7630 www.krtabenefi ts.com TRAVEL Air Land Sea Travel LLC. 502.873-5610 or [email protected] Bluegrass Tours 800.755.6956 HEALTH INSURANCE 65+ (MEHP) United Healthcare 844-518-5877 Express Scripts 877-866-5834 KYRx Coalition 855-218-5979 Edumedics 855-210-8514 Silver Sneakers for MEHP 888-423-4632 Under 65 (KEHP) Anthem BCBS 844-402-KEHP CVS Caremark 866-601-6934

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Send completed Order Form to: KRTA BOOZE, DOG, FOE, LET, RAY, SQUINT, FLEXIBLE, PARE, AND, UNDO,

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7505 Bardstown Road left from Answers JOCKEY. LAG, BREEZY, POOL, MUD, FOR, Louisville, KY 40291-3234 NEXT, BE, PARENT, ALIEN, HELPFUL, SPLASHED, bottom: to top Answers PAGE 16 KRTA NEWS NOVEMBER 2018 Deceased Retired Teachers MAY, JUNE, JULY, AUGUST 2018 “. . .these immortal dead who live again in minds made better by their presence . . .”

ADAIR CO BULLITT CO Waymond Morris FULTON CO Doris Lampton LYON CO ROCKCASTLE CO Lewis Haynes Betty Brinner Sharon Smith Catherine Byrd Daisy Locke Dale White Virginia Jones ALLEN CO Ruth Hale Robert Taylor GALLATIN CO Marian Lord MADISON CO Sharon Ponder Joyce White Delores Mudd Eugene Vanhoose Helen Neal Jean Loy Bertee Adkins ROWAN CO ANDERSON CO CALLOWAY CO Mickey Walker GARRARD Marilyn Mackin Robert Jones Harold Haggard James Boyd Sue Chaney ESTILL CO Hazel Shaw Andrea Miller Kim Naugle Hazel Martin Glenva Lewis Linda English Lowell Flanary GRANT CO Ila Miller Daniel Presnell Fred Tremper Helen Shryock Vanda Gibson David Maggard Martha Galloway Carolyn Moore Kenneth Schubert SCOTT CO BATH CO Judith Hood FAYETTE Paul Watts James Murphy Harold Taylor Mimagene Conley Jo Johnson Willie Jackson Rebecca Blair GRAVES CO Lois Ohara Robert Walko Linda Glass BELL CO Janis Murphy Jud Brown Bernard Behrendt Kathleen Osterman MAGOFFIN CO Chester Greynolds Dorothy Cassidy Frederick Shepard Irvine Byars III Carolyn Sparks Christine Pence Judy Williams Sandra Hart BOONE CO Clyde Stambaugh Mary Carter GRAYSON CO Hettie Pettway MARSHALL CO SHELBY CO John Benzing Chad Stewart Robert Clark Robert Nash Joyce Pope Mary Littlejohn Maxine Coleman Eual Collins CAMPBELL CO Mary Davis GREENUP CO William Popplewell MCCRACKEN CO Debra Jordan Rowena Freeman Mary Chastang Linda Hadden Carolyn Roark Carolyn Randolph Carl Averitt Jr Sarah Kendall William Graves Marilyn Dorsey Richard Holloway HANCOCK CO Jean Richeson Bernard Behrendt Jr Michael Luchka Lora Iseral George Hamilton Jon Hungerford Rodney Griffi n Dorcas Robinson Julia Burkeen SPENCER CO Loeta Potter Sonja Mercer-Haney Jack Isaacs HARDIN CO Kimberly Roessler Mary Donaldson Robert Hearin William Straub III Ross Raleigh Ruby Omara Lavelle Dyer Mary Ross Shirley Griffi n TAYLOR CO BOURBON CO Anthony Romito Joseph Sparks Marcella Freeman Brenda Russell Susan Kolb Jeanette Conner William Birdwell CARTER CO Lorine Trosper Hattie Little Velma Saylor Anne Moore Margie Himes Mary Cross Roberta Hillman Bettie Tuttle Margaret Obanion Elizabeth Schmidt Nancy Turner TODD CO BOYD CO Frances Spaulding FLEMING CO Caroll Th omas Quentin Sharpenstein MCCREARY CO Frances Collins Armenda Barker CASEY CO Pejo Peeff HARLAN CO Bryan Shepherd Eileen Baird Lynn Lamb Minnie Carter Philip Clark Kathleen Solter Lela Hensley Steven Shumate MEADE CO TRIGG CO Ruth Holbrook Fern Th omas Letha Tackett Sandra North-Hansel Jack Still Th omas Allen Martha Baith Dorothy CHRISTIAN CO FLOYD CO Anna Stephens Jane Tackett Regina Golden Nell Leneave Simmerman Jo Glover June Hall Donald Wilder Elsie Timmons MERCER CO John Mull Robert Williams Robert Underwood Sturneth Inmon HARRISON CO Sinfroniana Vurich Johnny Benedict TRIMBLE CO Ernestine Williamson Melba Vonlanken Earl Moore Louise Spring Martha Watson Gerald Hummell Rebecca Parker BOYLE CO CLARK CO Elbert Ratliff HART CO Mary Wehmeyer METCALFE CO WARREN CO Roy Camic Jennie Kazee FRANKLIN CO A Cloar Charlotte Wilson Noah Lucas Georgia Ferguson Cordelia Kubale Judy Kendrick Frances Baker HENDERSON CO JESSAMINE CO MONROE CO Robert Gover BREATHITT CO Ella Mann Willis Collins Jr Patricia Shoptaw Mary Asher Willa Smith James Martin Nora Frasure CUMBERLAND CO Jon Dunn HOPKINS CO Linda Johnson Dimple Th ompson Freda Mays BRECKINRIDGE CO Gleda Hall Robert Hoagland Michael Crowe Mary Puckett MUHLENBERG CO Mary Miller Doris Beauchamp DAVIESS CO William Judge Mildred Fox JOHNSON CO Jackie Day Norma Miller Wanda Bolin Henry Anderson Martha Marlette Virginia Henderson Carolyn Hall Delila Wells Della Moore Eleanor Claggett Joy Burton Rose McQueen JACKSON CO Hubert Pack MUHLENBERG CO Doris Morton Fran Long Gene Crume Frances Monday Ruth Caudill KENTON CO Linda Rumage Robert Otto Doris Estes Kizzie Payton JEFFERSON CO Lloyd Bailey OHIO CO Ora Ray Lillian Keiningham Ruth Andrews Alicia Blanke Maloria Casey Marilyn Smith Patty Armstrong Linda Byrne OLDHAM CO Robert Smith KRTA STAFF Kentucky Retired Teachers Assn. Nina Bedford Mary Coyle Lois Adams Sara Taylor Tim Abrams 7505 Bardstown Road Byron Bell Irene Hendershot Patricia Williamson Louisville, KY 40291-3234 Moreland Ford Executive Director Robert Bird OWSLEY CO WAYNE CO 502-231-5802 William Grate Janie Caslowe 1-800-551-7979 Hyla Cecil KNOTT CO Geneva Mason Phillip Catron Deputy Executive Director 502-231-0686 (fax) Richard Cesler Deborah Bailey PERRY CO Bernice Dick Jan Abrams [email protected] (e-mail) Paul Chitwood Jr Lora Fannin Cassie Huff Barbara Johnson Special Events Coordinator www.krta.org (web site) James Coleman Glenna Smith PIKE CO Shirley Stamper Emily Carey OFFICE HOURS William Cox Jr KNOX CO Mary Cool WEBSTER CO office manager mon.- fri. 8:30 am - 4:00 pm Bettye Cummins Billie Bolton Jeanette Elder James Crouse Helen Daniel Linda Johnson Joyce Price Betty Hester Robert Messer Jr KRTA NEWS Betty Detwiler Madonna Lowe Randall Swann Database Administrator KRTA NEWS LAUREL CO Express Elsie Diachenko Lonetta Merritt WHITLEY CO Charlotte Lindley Brenda Meredith, Editor Louise Roberts Elizabeth Dunn Mildred Mullins Chastine Baker Receptionist [email protected] Paul Robinson Cheryl Duvall LAWRENCE CO James Potter Th elma Chinn KRTA OFFICERS Josephine Foster Nancy Perry Rebecca Skeens Mildred Lake Shirley Dick Wolf, president Beverly Goodwin LEE CO PULASKI CO WOLFE CO Harold Wilson, president-elect Ruth Graves Virginia Lynch Una Farmer Lowell Arnett Sue Ellen Caldwell, vice-president Edwin Howey LEWIS CO Patsy Hamilton WOODFORD CO Romanza Johnson, past president Myra Johnson Norma McRoberts Jacqueline Trosper Shirley Tuttle Clarence Jones LINCOLN CO Mary Krippenstapel Lester Brown