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Healing Begins with the Food We Eat

Patti Dukes on January 9, 2024

by Humana, Living Power Nov/Dec 2023

After spending time in the hospital, eating balanced, nutritious meals may make a difference in your recovery and your overall health. The Humana Well Dine® program provides 28 meals after an inpatient stay in a hospital or nursing facility. That’s why Humana has teamed up with Mom’s Meals® to deliver nutritious, tasty meals right to your home when you need them most—at no additional cost to you.

Mom’s Meals, a leading provider of home delivered meals nationwide, offers a variety of nutritional and condition-specific meals delivered to the homes of Humana’s eligible members as part of their Medicare Advantage Individual, Group, and Medicare Supplement plans throughout North Carolina. Humana is providing the meals to eligible members as part of their benefit plan and at no additional cost.

Studies consistently show that medically tailored meals support patient recovery after hospitalization and reduce instances of readmission, as well as help patients manage chronic conditions, avoid hospitalizations, and preserve health and independence. Programs implemented through Mom’s Meals have seen up to 80% reduction in inpatient stays 30 days after discharge, and over a 40% reduction in visits to the Emergency Department 30 days post-discharge.

Humana eligible members can receive 28 fully prepared meals made with high-quality ingredients, packed in coolers with gel bags and delivered directly to their home. The menus are designed by dietitians, offering something for everyone, including diabetic-friendly, gluten-free, heart friendly options, as many others. The tasty meals that are ready to heat and eat and last for 14 days in the refrigerator.

“We know nutritious food has a strong impact on overall health,” said Mike Anderson, the president of Mom’s Meals. “We look forward to helping Humana’s members recover after a hospital stay, avoid readmission, and manage chronic conditions – all in the comfort of their own homes.”

To find out more about your Humana Well Dine meal benefit, call the number on the back of your
Humana member ID card.

6 New Year’s Eve Safety Tips

Patti Dukes on December 29, 2023

Even in our retired years, New Year’s Eve comes with a lot of expectations and pressure to have a wonderful and memorable night. NCRGEA asks you to please keep the following tips in mind while making plans for your celebrations.

1) Don’t drink and drive! It’s not only a safety hazard, it’s illegal! It has been said many times, but you can never say it enough. If you plan on going out for New Year’s Eve, designate a sober driver, take a ridesharing company or cab, plan to sleep over at the host’s home, or arrange for a sober driver to pick you up.

2) Plan for guests’ safety. If hosting a party, plan a way to have guests get home safely or have a place for them to sleep over if they don’t have a sober driver.

3) Consider pet safety. Animals get frightened around loud noises, especially fireworks. Keeping your pets inside can help avoid these issues. Make sure any pet that has a chance to get outside is properly tagged.

4) Try not to leave your car overnight. New Year’s Day is the second most active holiday for car theft. If you must leave your car, make sure it is locked and try to pick it up as early as you can the next day.

5) Be mindful at public events. Try not to travel alone; make sure you have a cell phone on you, and be aware of your surroundings. Many criminals consider retired citizens as easy targets.

6) Avoid using fireworks or flare guns without understanding local laws and safety rules.

NCRGEA hopes you enjoy your celebrations and we want you to be as safe as possible. Stay safe, stay smart, and make this New Year’s Eve unforgettable for the right reasons!

Loyalty and Duty of Care to Our Members

Patti Dukes on December 15, 2023

By Treasurer Dale R. Folwell, CPA, LivingPower Newsletter Nov/Dec 2023

Department of State Treasurer (DST) focuses on loyalty and duty-of-care for public servants like you who teach, protect or otherwise serve the citizens of North Carolina. This is what drives DST and the North Carolina Retirement Systems (NCRS) to fulfill their mission to protect and preserve the state’s pension system and health care plans, while reducing fees and maximizing value.

Though we have had to navigate some uncharted waters over the last few years with stock market volatility and COVID, NCRS has been consistently in the check-delivery business. At our very core, we ensure benefits due to members are delivered as promised and on time, and that members and their families who are impacted by a life event are taken care of in a timely, efficient manner. I want to recognize our staff that works diligently with a member-first mentality to not only get business done but listen to what is needed to do good business.

Over the last year we launched a new phone system that allows easier access to information through an automated, self-service phone menu. Over 30% of members calling in now find what they need, on their own, through this system. Those that need to speak to a retirement counselor are holding on the line less than two minutes on average. Chat was recently implemented in ORBIT as an additional way to get the information you need. Users who participated in the soft launch of this service have given it a nearly perfect rating. We realize every member’s situation is different, so our counselors are dedicated to taking the time you need to provide value and service.

Recent legislation has brought positive changes impacting NCRS. Members with a retirement date on or after January 1, 2024, will see their first benefit payment made by direct deposit. Traditionally, a retiree’s first payment has been sent by paper check. New retirees will be able to lock in their retirement options earlier and NCRS will be able operate more efficiently as we continue to see record numbers of retirements each month.

For the second time in as many years, the state will pay a one-time supplement for benefit recipients who retired on or before October 1, 2023, are living as of October 1, 2023, and are members of the Teachers’ and State Employees’ Retirement System, Consolidated Judicial Retirement System, and the Legislative Retirement System. This one-time supplement will be issued on or before November 30 and is equal to 4% of the annual retirement allowance, where the annual retirement allowance is 12 times the monthly allowance payable for October 2023.

These funds did not come from the Plan itself and were appropriated by the General Assembly as a part of the budget passed on October 3, 2023. This does not apply to benefit recipients of the Local Governmental Employees’ Retirement System (LGERS), where a benefit increase may be granted by the LGERS Board of Trustees within certain statutory limitations.

Whether you are planning for or in retirement, there has been a seismic shift in this life phase. People are living longer, and this requires a revised budget strategy for income, expenses, and health care costs. The fact is you have a solid foundation in retirement with your monthly pension benefit and this should serve as your motivation. The NC Pension is widely regarded as one of the most secure and best-funded pensions in the United States. Additional savings in the NC 401(k) and NC 457 Plans, coupled with Social Security Income and outside assets, will also help in meeting a gap in retirement income. Each of you has navigated a change towards retirement and I encourage you to talk with someone younger than you to share your lessons learned.

The ancient Greek philosopher Heraclitus wrote that “no man ever steps in the same river twice, for it’s not the same river and he’s not the same man.” As we move to a new year, I wish each of you success in health and purpose and thank you for your service to the citizens of North Carolina.

Living Power Poised to Be Bigger and Better

Patti Dukes on December 12, 2023

LivingPower November/December 2023

Army General James Van Fleet once said, “I’m always willing to accept change, as long as it isn’t change for the sake of change. If that change will result in a better way of doing things, then I’m all for it.” NCRGEA feels confident he would have agreed with the changes coming to Living Power.

Starting in January, Living Power has a completely new look and feel with a different publishing schedule — in its new quarterly magazine format. While continuing to keep members informed on matters that are important to them, Living Power will have more in-depth articles, more photographs, and a more user-friendly layout.

“The new magazine will provide us with a great format for telling the story of the positive impact that those who have worked in local and state government continue to have on North Carolina and our economy,” said Tim O’Connell, NCRGEA Executive Director. “It will allow us to better inform our members, recent retirees, and lawmakers on the ins and outs of pensions and healthcare plans.”

He added, “In addition, the magazine will allow us to present information in a more visually appealing format and provide content that complements our digital communications.”

In her role as Community Liaison at NCRGEA, Deryl Davis-Fulmer focuses on the many ways NCRGEA members are active in their local communities and in state-wide organizations. Regarding the new magazine, she is excited about the opportunity it provides to “shine a light on their accomplishments and maybe inspire others to get involved with their communities.”

Current feature columns along with new content enabled by the expanded format include:

  • NCRGEA Executive Director and Board of Directors President columns
  • State Treasurer’s column
  • Contributions from various Council of State members
  • NCRGEA member profiles
  • District Community Connections column
  • Calendar of upcoming NCRGEA events
  • Puzzles and games that will provide opportunities to engage and win prizes

To complement the new quarterly schedule of the magazine, other communications channels including social media, email, and the NCRGEA website, will be used to provide late-breaking news and timely information to members. The magazine will be available in both print and digital formats, so look for the print version to arrive in the mail and sign up for the digital version if you have not already done so. The digital magazine can be accessed via email or on our website.

Look for these exciting changes to Living Power coming in January and be sure to read to stay informed about all the ways that NCRGEA is advocating for and informing you. Get ready for change — not for the sake of change, but for a better way of doing things!

North Carolina Taxpayers Could Be Liable For Billions If Lawmakers Fail To Remedy Provisions Of The ’24 Budget

Patti Dukes on November 29, 2023

November 28, 2023

This Forbes article warns of the threat to the stability of the Teachers’ and State Employees’ Retirement System and State Health Plan with 2024 budget provision. The provision will make new UNC Health and East Carolina University Health employees ineligible for the state pension plan beginning January 1, 2024.

Click to read the Forbes article on the state pension

UNC Healthcare and ECU Health Weaken Pension

Patti Dukes on November 9, 2023

November 8, 2023
by Tim O’Connell

dollar bills

The decision to no longer extend State pension and health plan benefits to new employees of UNC Healthcare and ECU Health is detrimental to all North Carolinians.

NCRGEA will continue to work with elected officials to move to a more fiscally sound solution to protect the pension and health plans so as not to increase the risk of retirement insecurity among healthcare workers and their retirees, especially its lowest-paid.

Click to read article

The inaugural Digital Holiday Dessert Cookbook is here, presented by your peers!

Patti Dukes on November 2, 2023

It’s the holidays and time for good food and lots of desserts!

NCRGEA members are spreading a little joy and comfort during this holiday season by sharing some of their best dessert recipes with you. Just click this link for the flipbook or download a copy. Then, heat up the oven and click on the music!

Thank you to all who submitted your amazing recipes to help jumpstart the holidays and bring a little warmth into the season!!

Enjoy and Happy Holidays!

Deryl Davis Fulmer, PhD.
NCRGEA Community Liaison

The Department of State Treasurer Continues to Work FOR YOU

Patti Dukes on October 30, 2023

September/October 2023 LivingPower Newsletter

By Treasurer Dale R. Folwell, CPA

As keeper of the public purse, I have a duty and loyalty of care to preserve and protect benefits for retirees like you, as well as those who currently teach, protect, and otherwise serve. You have dedicated your working time to the citizens of North Carolina, and it is important to remember the Department of State Treasurer (DST) continues to work FOR YOU even after you retire. This includes delivering on-time monthly benefit payments to over 350,000 retirees and providing the best customer service, resources, and access to high-quality, low-cost benefit options.

I am pleased to announce that State Health Plan premiums are frozen for the sixth year in a row. Open Enrollment for the 2024 benefit year will be held Oct. 9-27, 2023. Non-Medicare retirees will continue to have the same health plan options as they do today. The Base PPO Plan (70/30) remains premium-free for eligible retirees. Members will need to take action during Open Enrollment if they would like to make any changes regarding their dependents or to enroll in the Enhanced PPO Plan (80/20). If no action is taken, the member will be moved to the 70/30 Plan.

Retirees who are Medicare-eligible and on the Humana Medicare Advantage Base Plan will continue to enjoy premium-free benefits, pay only $4 per month for a spouse or per dependent, all with ZERO cost to taxpayers.

Those who are satisfied with the plan in which they are currently enrolled will REMAIN on that plan for 2024 and do not need to take action during Open Enrollment. This includes the Humana Medicare Advantage Base or Enhanced Plan (90/10) or the Base PPO Plan (70/30). The good news continues as 87% of retirees over the age of 65 are taking advantage of these plans, saving $47 million for taxpayers.

If you would like to change plans or make changes to your dependents, you will need to take action during Open Enrollment! I encourage you to participate in State Health Plan outreach events prior to and during Open Enrollment. These include in-person events, webinars, and a telephone town hall. For more information and to register, visit www.shpnc.org.

Fall is a busy time of year, and you may be inundated with messages from insurance carriers and organizations by mail or phone and on television. I want to share some helpful tips to make sure you don’t do anything to NEGATIVELY IMPACT your State Health Plan coverage.

  • Insurance agents or brokers may call you and encourage you to enroll in a Medicare Advantage Plan or a Medicare Supplement. They ARE NOT calling from your State Health Plan, and the plans they’re selling are DIFFERENT from what the State Health Plan offers.
  • Please know that you cannot be enrolled in two different Medicare Advantage or Medicare Prescription Drug Plans at the same time.
  • Therefore, if you enroll in something other than the State Health Plan’s Humana Group Medicare Advantage Plans (90/10), you will most likely be bumped out of your current Humana Group Medicare Advantage Plan (90/10) and enrolled into the 70/30 PPO Plan, which may cost more.
  • Be wary of commercials featuring famous actors or athletes. Plans featured on television ARE NOT the same as your State Health Plan coverage. Calling to enroll in a plan that you saw on television may NEGATIVELY impact your State Health Plan coverage.

During Open Enrollment, the State Health Plan’s Eligibility and Enrollment Support Center (855-859-9066) offers extended hours Monday-Friday, 8 a.m. to 10 p.m., and Saturdays, 8 a.m. to 5 p.m. Be on the lookout for your Open Enrollment Decision Guide arriving by mail prior to Open Enrollment!

Supplemental Insurance (Dental, Vision, and Identity Theft Protection)
DST consistently works towards cost-effective options for our retirees. Negotiations over the past four years have resulted in substantial premium savings and better coverage for supplemental insurance offered through Pierce Insurance. If you choose to participate, payments for coverage can be deducted directly from your monthly retirement benefit, direct billed, or by bank draft.

Open Enrollment for dental, vision, and identity theft protection takes place Sept. 15-Oct. 31.
If you are currently enrolled, no action is needed. For more information and to enroll in benefits that will be effective Jan. 1, 2024, visit www.ncretiree.com or call 855-627-3847.

Thank you for your service to the citizens of North Carolina and for being a valuable member of the North Carolina Retirement Systems.

FAS Forward with Us!

Patti Dukes on October 23, 2023

September/October 2023 LivingPower Newsletter

By State Employees’ Credit Union

couple in meeting

Did you know that State Employees’ Credit Union (SECU) has local advisors who are fully
devoted to helping members with comprehensive financial planning services? From insurance and investments to managing retirement risks to estate planning and trust services, members have access to the services they need to help achieve and maintain their financial goals. Dedicated specialists can help members plan their financial future at any SECU branch location.
The advisors, titled Financial Advisory Services (FAS) specialists, are salaried employees who
are committed to acting in our members’ best interests. This unique business model allows us to focus on our mission—providing personalized services to help members meet their financial needs and objectives— while remaining committed to the long-established SECU philosophy of People Helping People® and member-focused service.
Everyone can benefit from discussing financial needs and goals with a professional. Our Financial Advisory Services specialists can help members get started by working together to identify financial objectives and prioritize the next steps. They can help implement strategies designed to meet short and long-term goals. Additionally, they can objectively review an existing plan to confirm strengths and areas for improvement or important consideration. Finally, our advisors can help members monitor and adapt their plans over time to increase the likelihood of being prepared for both expected and unexpected life events.
SECU is invested in our members’ success and well-being! Our goal is for our members to leave a meeting with our advisors, knowing they have an advocate and coach who will be by their side on their financial journey. Contact your local branch and ask to speak to a FAS specialist today! Not yet an SECU member? Join today to access these and our many other financial services.

Life insurance is offered through SECU Life Insurance Company, a wholly-owned subsidiary
of State Employees’ Credit Union. Investment advisory services are offered through Credit Union Investment Services. Securities are offered through SECU Brokerage Services: member FINRA, SIPC. Trust Services are offered through Members Trust Company, a federal thrift regulated by the Office of the Comptroller of the Currency. Securities, Trust, and Insurance products are not Credit Union deposits, are not obligations of or guaranteed by the Credit Union or Members Trust Company, and are not insured by the NCUA or any federal government agency. Securities and Trust products involve investment risks, including possible loss of principal invested. Insurance products are subject to underwriting. Investment, Trust, and Insurance representatives are Credit Union employees who may accept deposits. Investment and Insurance representatives are licensed in North Carolina only.

Opportunities Abound

Patti Dukes on October 16, 2023

LivingPower September/October 2023

By Mike Taylor

Attendees at Durham Fall Conference

One line from our website says it all. “If you are a member, get involved here.” Membership in NCRGEA offers each of you a variety of opportunities to do just that, get involved. From a Zoom briefing in the comfort of your home to local district gatherings to regional conferences, your association is making it easy to get involved and engage.

One of the pleasures I take from serving as President of NCRGEA is to attend our regional conferences. Since last fall, I have attended conferences in Concord, Shelby, Winston Salem, Fayetteville, here in my home county of Carteret at Morehead City, and Hendersonville. And later this month, we have conferences scheduled for Statesville (September 13), Durham (September 19), and Greenville (September 26). This job is certainly offering me a crash course in NC geography.
You should have already received an invitation to attend one of the September conferences, and if one is close to you, I especially encourage you to do so. As our Executive Director Tim O’Connell says of these conferences, “The goal is to bring retirees together.” The conferences offer a chance to find out the latest information about a multitude of issues that impact our lives as retired public servants. Topics for the conferences include health insurance, Social Security, updates from the NC State Treasurer’s office, General Assembly happenings, and much more. Over a dozen of our sponsors and state agencies have tables to distribute information, talk with retirees about specific issues, and even offer freebies to take home.

At the spring conference in Hendersonville, Humana offered hand fans to attendees. I had to have one of those and told the gathering, in my opening welcome, after seeing the fans I had a flashback to that rural church I attended in my youth where similar fans provided our air conditioning. Of course, those fans were all provided by the local funeral home!

But NCRGEA provides so many more opportunities for you to get involved in your association. NCRGEA has nine regional districts that stretch from the mountains to the coast. Those nine districts come in all shapes and sizes. In the northeastern portion of our state, District 5 is made up of 25 counties, while District 8 includes just one county, Wake. Given the location of the state government, that should be easy to understand.

But no matter the geographic size of our districts or the number of retirees that live there, all NCRGEA members have the same opportunities through a Community Advisory Board (CAB) that is established in each district. These CABs, which meet at least twice a year, help connect NCRGEA with its membership at the local level. Join the CAB in your district. You can find out more information on a CAB near you by visiting the NCRGEA website.

Dr. Deryl Davis Fulmer, a retiree from the NC community college system, who also worked in higher education in Wisconsin, serves as our Community Liaison, connecting members with activities like our monthly Lunch and Learn webinars and other Zoom programs. These active engagement programs cover the spectrum of topics, from “Aging Un-Lonely,” steering clear of internet fraud, health insurance, and how to organize your documents for the inevitable (no explanation needed). We are quickly discovering that providing educational content programming is a value-added feature of your membership. Participation has been strong, with virtual attendance totaling over 1,400 since January 1, 2023. Dr. Fulmer adds, “It’s exciting to know how many members we are reaching.”

NCRGEA believes strongly in getting you, the membership, involved, and your participation is proving that if offered a good program, NCRGEA members will zoom in!

There are numerous opportunities for you to get involved in your association. Another line from our
website sums it up best: “NCRGEA is for those who want to be more active and engaged in retirement.”

Members, We Want To Stay In Touch!

Provide us your email address and phone number so we can provide timely news and exclusive offers from your association.