Narfe - South Jersey Shore Chapter 1664. Monthly Meeting 3rd Thursday @01:00 Shore Diner. GSP Exit 36, 6710 Tilton Rd, Egg Harbor Twp, NJ 08234. Lunch is from the Early Bird Menu and averages around $20 - $24 tip and tax excluded. Salad, entree, desert, and beverage are included.

 
The dues help NARFE continue fighting for the benefits and wellbeing of every federal employee and retiree. It will also enable NARFE to continue providing members with quality services and benefits like the award-winning NARFE Magazine, access to educational webinars, personalized answers to federal benefits questions from our experts, and many new services planned for the near future.. Animeland.

The National Active and Retired Federal Employees Association (NARFE) is the only organization solely dedicated to protecting and preserving the pay and benefits of all federal workers and retirees. The National Active and Retired Federal Employees Association (NARFE) is the only organization solely dedicated to protecting and preserving the pay and benefits of all federal workers and retirees. According to the Office of Personnel Management, one FEHB plan will begin offering full reimbursement of the Medicare Part B premium to persons also enrolling/enrolled in their Medicare Advantage Plan for 2024: CDPHP Universal Benefits Inc. (Standard Option) Serving: Upstate, Hudson Valley, and Central New York There are 29 FEHB plans …On March 25, 2024, the Republican Study Committee, led by Rep. Kevin Hern, R-OK, unveiled its fiscal 2025 budget plan, titled "Fiscal Sanity to Save America.". The proposal aims to balance the budget within seven years by slashing $17.1 trillion in spending, which includes substantial reductions to federal workers' retirement and health ...NARFE National will have an election for National President, Secretary-Treasurer and Region Vice President in August after the NARFE convention. The PA Federation will be electing new officers for President, 1st Vice President (membership), 2nd Vice President (Legislative), Secretary, and Treasurer in 2024. Please consider volunteering or ...Finding NARFE Chapter Information 9/4/2023 by Dorothy Creswell; minor edits by Martha Raup, CAB Chair 1 NARFE has two locators with Chapter information: "Find a Chapter" is a public, map-based locator to inform anyone in the world, both members and prospective members. It's a recruiting tool!Chapter Name. Brentwood. Chapter State. VA. Chapter Number. 1697. Chapter Website. https://vanarfe.org/Chapter-1697/ Chapter Annual Dues. 10Chapter 969 – St. Mary’s County, Maryland. Meets – Olde Breton Inn, Leonardtown, 3rd Friday at 12:00 PM, March – December; except January and February. Dues – $5. Chapter 969 website. Chapter 969 on Facebook.Media Statements From NARFE; NARFE Magazine; All News From NARFE; About NARFE. View All; About NARFE; About the Federal Community; NARFE Leadership; Careers; ShopNARFE; NARFE Sponsorship and Advertising Opportunities; For Members. View All; 2024 NARFE National Election; Download or Order Forms; Log In to the …The National Active and Retired Federal Employees Association (NARFE) is the only organization solely dedicated to protecting and preserving the pay and benefits of all federal workers and retirees.NARFE provides expert guidance on federal benefits issues directly affecting current and former federal employees, as well as tips and tools to help ensure a safe and secure retirement for the federal community. Webinars are free to NARFE members; you must log in to get member pricing. If you need assistance logging in, please email ...NARFE'S Advocacy Positions Submission Form for the 119th Congress (2025-2026) NARFE's Shutdown Resources; Take Action; Advocacy Update; Issue Briefs and Fact Sheets; NARFE-PAC; Federal Benefits Institute. View All; About the Federal Benefits Institute; NARFE Webinars; NARFE Webinar Archive;Join NARFE. Join NARFE online today! The National Active and Retired Federal Employees Association (NARFE) is the only organization solely dedicated to protecting and preserving the pay and benefits of all federal workers and retirees.mail the form and cash or check to our treasurer at : Samuel E. Crain Jr., Treasurer – NCNARFE, 290 Azalea Dr., Maggie Valley, NC, 28751-7692. Sam Crain will send me an email confirmation of receipt of your order form and check or cash. I will then ship you the correct number of coins you order. The NARFE Federal Benefits Institute is a members-only resource designed to help NARFE members take charge of their federal benefits and guarantee a secure future. For a limited time, this exclusive content is available in a sneak preview to everyone to celebrate NARFE's 100th anniversary serving the federal community. NARFE'S Advocacy Positions Submission Form for the 119th Congress (2025-2026) NARFE's Shutdown Resources; Take Action; Advocacy Update; Issue Briefs and Fact Sheets; NARFE-PAC; Federal Benefits Institute. View All; About the Federal Benefits Institute; NARFE Webinars; NARFE Webinar Archive;YES. I want to enroll in NARFE's Dues Withholding Program. NARFE dues of $42* and chapter dues, if applicable, to be withheld annually. (*Dues-withholding members save more than 10% off the regular NARFE dues rate.) - - Social Security Number (9-digit number) C S (Include prefix, CS. A. or CS. F) (Include any applicable suffix) -Advocacy. Since NARFE's founding in 1921, the association's mission has been to defend and advance the earned pay and benefits of America's civil servants. Today, NARFE's team of professional lobbyists continues to work tirelessly on behalf of the federal community. Supported by grassroots activists, NARFE is a leading voice in ...The National Active and Retired Federal Employees Association (NARFE) is the only organization solely dedicated to protecting and preserving the pay and benefits of all federal workers and retirees.According to the Office of Personnel Management, one FEHB plan will begin offering full reimbursement of the Medicare Part B premium to persons also enrolling/enrolled in their Medicare Advantage Plan for 2024: CDPHP Universal Benefits Inc. (Standard Option) Serving: Upstate, Hudson Valley, and Central New York There are 29 FEHB plans offering a total of 38 options that continue to...A: According to the Office of Personnel Management (OPM), if the net amount of your annuity ever changes, OPM will mail you a Notice of Annuity Adjustment explaining the change. Annual adjustments that typically affect your net deposit include COLAs effective December 1 (reflected in the annuity payment received in early January) and changes in ... This website is designed to assist Federal employees and retirees living in Ohio, as well as their dependent (s). Information found here will assist you with FEHBP (healthcare) issues, COLAs, retirement/pre-retirement webinars, and most important is Advocacy affecting the Federal community. We, the Ohio federation of NARFE, is the state's local ... The National Active and Retired Federal Employees Association (NARFE) is dedicated to protecting and enhancing the earned pay, retirement and health care benefits of federal employees, retirees and their survivors. Founded in 1921, NARFE's legacy spans more than 90 years - working tirelessly in support of our members before Office of ...On March 25, 2024, the Republican Study Committee, led by Rep. Kevin Hern, R-OK, unveiled its fiscal 2025 budget plan, titled “Fiscal Sanity to Save America.”. The proposal aims to balance the budget within seven years by slashing $17.1 trillion in spending, which includes substantial reductions to federal workers’ retirement and health ...About NARFE. NARFE, the National Active and Retired Federal Employees Association, is dedicated to protecting and enhancing the earned pay, retirement and health care benefits of federal employees, retirees and their survivors. Founded in 1921, NARFE's legacy spans more than 100 years - working tirelessly in support of our members before ...Welcome to The New Hampshire Federation of NARFE. We are proud to be part of the National Active and Retired Federal Employees Association. NARFE is the only organization solely dedicated to the general welfare of all federal workers and retirees. NARFE delivers valuable guidance, timely resources and powerful advocacy. For nearly a century ...NARFE'S Advocacy Positions Submission Form for the 119th Congress (2025-2026) NARFE's Shutdown Resources; Take Action; Advocacy Update; Issue Briefs and Fact Sheets; NARFE-PAC; Federal Benefits Institute. View All; About the Federal Benefits Institute; NARFE Webinars; NARFE Webinar Archive;The National Active and Retired Federal Employees Association (NARFE) is the only organization solely dedicated to protecting and preserving the pay and benefits of all federal workers and retirees.NARFE-PAC is the ultimate advocacy tool available to our membership, amplifying the voices of the feds everywhere. In this session, we will introduce or refresh you on NARFE's political action committee and explain how it works for you. Learn how you can contribute to NARFE-PAC's success and grow into (or within an existing) leadership role.NARFE’S Advocacy Positions Submission Form for the 119th Congress (2025-2026) NARFE’s Shutdown Resources; Take Action; Advocacy Update; Issue Briefs and Fact Sheets; NARFE-PAC; Federal Benefits Institute. View All; About the Federal Benefits Institute; NARFE Webinars; NARFE Webinar Archive;About NARFE. As the only organization solely dedicated to the general welfare of all federal workers and retirees, NARFE delivers valuable guidance, timely resources and powerful advocacy. For more than a century, NARFE, or the National Active and Retired Federal Employees Association, has been a trusted source of knowledge for the federal ...NARFE'S Advocacy Positions Submission Form for the 119th Congress (2025-2026) NARFE's Shutdown Resources; Take Action; Advocacy Update; Issue Briefs and Fact Sheets; NARFE-PAC; Federal Benefits Institute. View All; About the Federal Benefits Institute; NARFE Webinars; NARFE Webinar Archive;Join NARFE Chapter 61 and become part of a powerful advocacy network that. fights for your rights. NARFE Chapter 61 in the San Fernando Valley is your local representative providing expert guidance on federal benefit issues directly affecting current and former federal employees. Discover more JOIN Chapter 61 NOW.Media Statements From NARFE; NARFE Magazine; All News From NARFE; About NARFE. View All; About NARFE; About the Federal Community; NARFE Leadership; Careers; ShopNARFE; NARFE Sponsorship and Advertising Opportunities; For Members. View All; 2024 NARFE National Election; Download or Order Forms; Log In to the … Media Statements From NARFE; NARFE Magazine; All News From NARFE; About NARFE. View All; About NARFE; About the Federal Community; NARFE Leadership; Careers; ShopNARFE; NARFE Sponsorship and Advertising Opportunities; For Members. View All; 2024 NARFE National Election; Download or Order Forms; Log In to the Member Portal; FEDHub: NARFE Member ... The SECURE Act: A Retirement & Estate Planning Game Changer Webinar. In this webinar recorded July 30, 2020, NARFE federal benefits expert Mark Keen explains changes in inheritance rules for retirement plans and how you may want to reevaluate your retirement and estate planning strategies.NARFE'S Advocacy Positions Submission Form for the 119th Congress (2025-2026) NARFE's Shutdown Resources; Take Action; Advocacy Update; Issue Briefs and Fact Sheets; NARFE-PAC; Federal Benefits Institute. View All; About the Federal Benefits Institute; NARFE Webinars; NARFE Webinar Archive;NARFE. April 12, 2022. The Postal Service Reform Act of 2022 was signed into law by President Biden on Wednesday, April 6, after receiving overwhelming bipartisan support in both chambers of Congress: 342-92 in the House and 79-19 in the Senate. In contrast to previous versions of postal reform legislation, the new law "preserves choice for ...NARFE'S Advocacy Positions Submission Form for the 119th Congress (2025-2026) NARFE's Shutdown Resources; Take Action; Advocacy Update; Issue Briefs and Fact Sheets; NARFE-PAC; Federal Benefits Institute. View All; About the Federal Benefits Institute; NARFE Webinars; NARFE Webinar Archive;About the Federal Community. America's federal community is made up of hard-working men and women who dedicated their working lives to public service and serving their community in retirement. Every American benefits from the work of federal employees every day. Their service is felt across the country and ensures our nation functions ...FEDcon24. JOIN US August 18-20, 2024 in St. Louis, Missouri, for FEDcon24, NARFE's biennial national training conference. The effort to advance NARFE's mission starts with you. Gain the knowledge necessary to LEARN how to make the most of your benefits, ADVOCATE to protect those earned benefits, and LEAD the organization that defends them ...FEDcon24. At FEDcon, NARFE’s premier training event, attendees will engage in leadership development and participate in comprehensive federal benefits and financial planning education. Current civil service employees and retired public servants will connect with peers from across the federal community. #fedcon #Training #leadership #advocacy.For nearly a century, NARFE has been a trusted source of knowledge for the federal community, Capitol Hill, the executive branch and the media. NARFE: The Association for Federal Employees and ...The National Active and Retired Federal Employees Association (NARFE) is the only organization solely dedicated to protecting and preserving the pay and benefits of all federal workers and retirees.Tel: 757-404-3880. Email: [email protected]. NARFE Magazine (ISSN 1948-4453) is published monthly except in February and July by the National Active and Retired Federal Employees Association (NARFE ...NARFE’S Advocacy Positions Submission Form for the 119th Congress (2025-2026) NARFE’s Shutdown Resources; Take Action; Advocacy Update; Issue Briefs and Fact Sheets; NARFE-PAC; Federal Benefits Institute. View All; About the Federal Benefits Institute; NARFE Webinars; NARFE Webinar Archive;NARFE’s award-winning monthly magazine for active and retired federal employees gives current information about legislative issues that affect you, an in-depth look at federal benefits and financial planning topics, questions and answers, career issues and more. In every issue, you will receive: Accurate reporting and analysis of legislation ...Since 1921, NARFE has been a trusted source of knowledge for the federal community, Capitol Hill, the executive branch and the media. The Massachusetts Federation has been in existence since January 15,1955 when members from 21 chapters met at the Smith House on Memorial Drive in Cambridge to organize a State Federation of Chapters. On January ...In a memo to agencies, the Office of Management and Budget (OMB) provided new guidance on return-to-office and telework policies for federal employees. The 19-page memo calls on agencies to increase in-person work "that is purposeful, well-planned, and optimized for in-person collaboration - while still using flexible operational policies ...Matthew. October 27, 2023. Q. I recently retired and I'm looking for tips regarding managing my Thrift Savings Plan (TSP) in retirement. A. As you are aware, your FERS Basic Retirement Benefit and Social Security retirement insurance benefits produce a lifetime stream of income that you can't outlive. The TSP requires more attention as you ...The National Active and Retired Federal Employees Association (NARFE) is the only organization solely dedicated to protecting and preserving the pay and benefits of all federal workers and retirees. View and edit your contact profile, address, contact information, and provide demographic information about yourself.Media Statements From NARFE; NARFE Magazine; All News From NARFE; About NARFE. View All; About NARFE; About the Federal Community; NARFE Leadership; Careers; ShopNARFE; NARFE Sponsorship and Advertising Opportunities; For Members. View All; 2024 NARFE National Election; Download or Order Forms; Log In to the …The National Active and Retired Federal Employees Association (NARFE) is the only organization solely dedicated to protecting and preserving the pay and benefits of all federal workers and retirees.A NARFE member for more than 20 years, Jeffrey G. Anliker has extensive experience at the Chapter, Federation and National levels. At the Chapter (Northampton, MA) level, he served as Treasurer/Assistant Treasurer for 13 years, the acting President for 6 years and the PAC coordinator for 6 years. For the Massachusetts Federation, he served as ...Support NARFE. Donations to NARFE provide necessary funds to support NARFE's critical legislative efforts to preserve and protect the earned benefits of the federal community and to develop dependable resources and tools to help NARFE members fully understand, manage, and make the most of their benefits. Donations to NARFE are not tax ...Starting in January of 2024, federal employees will receive an average raise of 5.2% in their first full cycle paychecks, per President Biden's executive order. This is the largest pay raise federal workers have seen since 1980, when President Carter issued a 9.1% increase. All employees on the GS pay schedule will see a 4.7% increase across ...FEDHub is NARFE's online community for active and retired federal employees. Members can connect to share advice, solve challenges and develop new approaches. Learn More.Media Statements From NARFE; NARFE Magazine; All News From NARFE; About NARFE. View All; About NARFE; About the Federal Community; NARFE Leadership; Careers; ShopNARFE; NARFE Sponsorship and Advertising Opportunities; For Members. View All; 2024 NARFE National Election; Download or Order Forms; Log In to the Member Portal; FEDHub: NARFE Member ...NARFE (National Active and Retired Federal Employees Association) 606 N. Washington St., Alexandria, VA 22314, Phone: (703) 838-7760, Fax: (703) 838-7785. This is the only website that reflects the official opinions and positions of the National Active and Retired Federal Employees Association (NARFE).Limit the search results modified within the specified time. Limit the search results from the specified source. Search results must be an exact match for the keywords. The National Active and Retired Federal Employees Association (NARFE) is the only organization solely dedicated to protecting and preserving the pay and benefits of all federal ...Welcome to Chapter 2365 Lone Star State, TX. This may be the perfect chapter for active federal employees and retirees who cannot or don't wish to attend traditional meetings. We conduct our biennial election through the USPS. The newly elected officers are installed at the Texas Federation Conference where we hold our biennial meeting. If ...Feb 12, 2024 · As momentum builds for the Social Security Fairness Act, H.R. 82, now with more than 300 cosponsors, it’s a critical time to take action. This legislation, aimed at repealing the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), is on the cusp of significant progress in the 118th Congress. Media Statements From NARFE; NARFE Magazine; All News From NARFE; About NARFE. View All; About NARFE; About the Federal Community; NARFE Leadership; Careers; ShopNARFE; NARFE Sponsorship and Advertising Opportunities; For Members. View All; 2024 NARFE National Election; Download or Order Forms; Log In to the Member Portal; …Click on your state to find the State Specific Federal Family Fact Sheet and the number of Retirees by Congressional District Fact Sheet. Both of these documents should be provided to legislative offices during Grassroots Advocacy Meetings. • Alabama. • Alaska. • Arizona. • Arkansas. • California. • Colorado.Eligibility: Federal employees, annuitants and deferred annuitants, active duty uniformed service personnel and retirees, as well as spouses and children 18 or older may participate. Parents, stepparents and parents-in-law of federal employees and active duty uniformed service personnel also are eligible. Federal employees who retired with an immediate annuity are eligible for the new program ...Election results. Alexandria, Va. - William "Bill" Shackelford of Centreville, VA, has been elected the National President of NARFE, the National Active and Retired Federal Employees Association. His two-year term begins January 1, 2023. In this role, he is responsible for providing general oversight of and strategic direction to the ...NARFE Magazine March 2022. The March 2022 issue of NARFE Magazine explains how NARFE-PAC enhances advocacy efforts (and why it’s especially important to support the PAC in an election year) and examines the pandemic’s role in shifting in how we work as federal agencies establish a stronger online and telework-friendly presence.On September 20, the House Committee on Ways and Means voted to report the Social Security Fairness Act, H.R. 82, out of committee, but without recommendation. This is the furthest a bill to repeal the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO) has advanced through the congressional process, and committee members expressed support for addressing the issue in ...Media Statements From NARFE; NARFE Magazine; All News From NARFE; About NARFE. View All; About NARFE; About the Federal Community; NARFE Leadership; Careers; ShopNARFE; NARFE Sponsorship and Advertising Opportunities; For Members. View All; 2024 NARFE National Election; Download or Order Forms; Log In to the …Welcome Federal Workers, Retirees and Spouses. NARFE is... - your legislative voice (fighting to protect your earned benefits), and - your information resource (helping you to avoid costly mistakes with your benefits) Chapter 706 of the National Active and Retired Federal Employees Association (NARFE) provides support to the coastal cities of Oceanside, Camp Pendleton, Carlsbad, Encinitas ...NARFE provides expert guidance on federal benefits issues directly affecting current and former federal employees, as well as tips and tools to help ensure a safe and secure retirement for the federal community. Webinars are free to NARFE members. Find Out More.NARFE’S Advocacy Positions Submission Form for the 119th Congress (2025-2026) NARFE’s Shutdown Resources; Take Action; Advocacy Update; Issue Briefs and Fact Sheets; NARFE-PAC; Federal Benefits Institute. View All; About the Federal Benefits Institute; NARFE Webinars; NARFE Webinar Archive;At LEGcon23, NARFE's premier grassroots training event, NARFE members learn to advocate for NARFE's legislative priorities and be an active participant in protecting and defending their federal benefits. | June 20-22, 2023. By the end of the conference, you will be proud to be a member of the federal community, energized by trainings on ...The Federation upholds and supports the objectives of the National Active and Retired Federal Employees Association as described in their Articles of Incorporation. The Wisconsin Federation was Chartered on March 25th, 1957. Newly Elected Officers as of Dec 1st, 2023. President: Tamie Koop (Chapter 120) Vice President: Greg Habeck (Chapter 403)A: Navigate to your profile and click on the "My Account" tab. Choose "Community Notifications" from the drop-down menu. On that page, you can view and control your subscription options. For each discussion, you have the following delivery options: Real time: sends an email every time a new message is posted.CHAPTER 0130 CLEVLAND COUNTY, Meets at Cracker Barrel, 800 N Interstate Dr., Norman, OK, 2nd Wednesday of each month, 8 a.m. ACTING PRESIDENT: Harry Fritzler. CHAPTER 0167 GREAT PLAINS, LAWTON, Meets at Brookridge Retirement Center, 7802 NW Quanah Parker Trailway, Lawton, Meets quarterly in March, June, September, and December, 3rd Monday, 11 AM.It's as easy as 1-2-3! Step 1. Click Sign in at the top right corner of home page. Use the credentials you would for narfe.org. If you need your username and password, click the Contact Us form. Step 2. Fill out your profile! Click the "Complete My Profile" button on the FEDHub homepage. Step 3.For more information, please contact the advocacy department at [email protected]. State-by-State Impact of the Windfall Elimination Provision According to the Social Security Administration and research conducted by the Congressional Research Service, as of December 2020, about 1.9 million Social SecurityThe NARFE Federal Benefits Institute has developed extensive, exclusive resources to help federal employees and retirees make smart decisions about their benefits. Medicare FAQs We've compiled a list of our most current frequently asked questions surrounding Medicare.

The NARFE microsites will cost $60/annually for both chapters and federations, billed annually. In the unlikely case that your chapter or federation requires more space on the NARFE servers, there will be an additional charge (still to be determined). At this time, NARFE does not know when they will begin billing for microsites because they are .... Sfo to blr flights

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The VFN was founded on April 9, 1955. Eighteen national members representing ten chapters and fewer than 1,000 members in the state established the tenth state federation of NARFE. Currently there are about 13,000 members, Chapter and National Only combined throughout the Commonwealth of Virginia. The VFN serves 37 Chapters which extend from ...v NARFE Magazine, the prime source of information and guidance on critical legislation and benefit issues. v Members-only section of the NARFE website with up-to-date information and a Legislative Action Center. v Access to the NARFE Federal Benefits Institute educational resources - webinars, white papers and other events.NARFE'S Advocacy Positions Submission Form for the 119th Congress (2025-2026) NARFE's Shutdown Resources; Take Action; Advocacy Update; Issue Briefs and Fact Sheets; NARFE-PAC; Federal Benefits Institute. View All; About the Federal Benefits Institute; NARFE Webinars; NARFE Webinar Archive;NARFE'S Advocacy Positions Submission Form for the 119th Congress (2025-2026) NARFE's Shutdown Resources; Take Action; Advocacy Update; Issue Briefs and Fact Sheets; NARFE-PAC; Federal Benefits Institute. View All; About the Federal Benefits Institute; NARFE Webinars; NARFE Webinar Archive;NARFE Headquarters. 606 N. Washington St. Alexandria VA, 22314-1914. Phone: 703.838.7760. Fax: 703.838.7785. Toll Free: 1-800-456-8410. Press 1 for Membership and Dues Payments. Press 2 for Federal Benefits Expert. Press 3 for Legislative Matters. The National Active and Retired Federal Employees Association (NARFE) is the only organization solely dedicated to protecting and preserving the pay and benefits of all federal workers and retirees. View and edit your contact profile, address, contact information, and provide demographic information about yourself. NARFE’s award-winning monthly magazine for active and retired federal employees gives current information about legislative issues that affect you, an in-depth look at federal benefits and financial planning topics, questions and answers, career issues and more. In every issue, you will receive: Accurate reporting and analysis of legislation ...NARFE. April 12, 2022. The Postal Service Reform Act of 2022 was signed into law by President Biden on Wednesday, April 6, after receiving overwhelming bipartisan support in both chambers of Congress: 342-92 in the House and 79-19 in the Senate. In contrast to previous versions of postal reform legislation, the new law "preserves choice for ...Media Statements From NARFE; NARFE Magazine; All News From NARFE; About NARFE. View All; About NARFE; About the Federal Community; NARFE Leadership; Careers; ShopNARFE; NARFE Sponsorship and Advertising Opportunities; For Members. View All; 2024 NARFE National Election; Download or Order Forms; Log In to the Member Portal; FEDHub: NARFE Member ... The SECURE Act: A Retirement & Estate Planning Game Changer Webinar. In this webinar recorded July 30, 2020, NARFE federal benefits expert Mark Keen explains changes in inheritance rules for retirement plans and how you may want to reevaluate your retirement and estate planning strategies. The National Active and Retired Federal Employees Association (NARFE) is the only organization solely dedicated to protecting and preserving the pay and benefits of all federal workers and retirees..

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