Still rotating

Some are rotating still, albeit on a yearly basis. Are you one of these folks? How do you get excessed?

NYC Retirees’ Struggle to Save Traditional Medicare is a National Fight

From Work-Bites, March 22, 2023:

Retirees that have tried Medicare Advantage are not happy with it, probably owing to the denials of service / coverage.

Studies show disenrollments from Medicare Advantage plans are, indeed, on the rise — up from 10 percent in 2017 to 17 percent in 2021. The Kaiser Family Foundation [KFF] also finds that over two million prior authorization requests were denied that same year — with only 11 percent appealed.

Read the entire post here on the betrayal of the New York City municipal retirees by their unions and elected officials of both parties. The article discusses how this attack on Medicare access is a national fight. The article focuses on struggles in New York, Vermont and Washington state. Many of the activists in the New York City area that you've heard of and experts that you may not have heard of.

NYC Retirees’ Struggle to Save Traditional Medicare is a National Fight

Among the organizations and their activists cited: Cross-Union Retirees Organizing Committee [CROC], New York City Organization of Public Service Retirees [NYCOPSR]; and then, several in the Seattle, Puget Sound, Washington area.

Another important set of quotes and information on how this disaster of federally sanctioned denial of medical care --all for corporate profit-- worsened:

At 90, Dr. Leonard Rodberg, professor emeritus of Urban Studies at Queens College in New York City is one of the fiercest opponents of Democratic Mayor Eric Adams’ relentless drive to Medicare Advantage. Nevertheless, the veteran academic says he’s willing to accept labor leaders supportive of the privatization scheme are “principled, honorable people” who simply believe “Medicare Advantage is good because Aetna tells them this is good as SeniorCare [Medicare].”

“It’s just a lie — and they bought it,” Dr. Rodberg says.

Johnson maintains bigwigs from both the Republican and Democratic parties have been pushing healthcare for a long time, and that the Centers for Medicare and Medicaid Services has become a “revolving door for the insurance industry.”

He’s critical of Dr. Elizabeth Fowler — deputy administrator and director of the Centers for Medicare and Medicaid Innovation and former executive vice-president of programs at the Commonwealth Fund and vice-president for Global Health Policy at Johnson & Johnson — for her role in crafting the Senate version of the Affordable Care Act [ACA] while acting as Chief Health Counsel to Senate Finance Committee Chair Max Baucus [D-MT].

“She is largely responsible for the fact that we don’t have the ability to negotiate over prescription drugs; why there was not a public option within the ACA; and she has been in the insurance industry,” Johnson says.

A “small, little paragraph” within the “humungous” ACA bill, Johnson points out, allows for “different forms of providing Medicare without Congressional approval.”

“That’s how ACO REACH or prior to that, Direct Contact under the Trump administration, came about,” Johnson says. “It was, ‘We’re gonna open up Medicare to Wall Street and Congress can’t take it away from us.’”

URGENT CALL TO ACTION! Rally For NYC Employees' Healthcare & Attend City Council Meeting Tuesday, 4/11 at 12 PM

URGENT CALL TO ACTION!

Rally For Our Healthcare & Attend City Council Meeting, Tuesday, April 11th at 12 PM

*Retirees + Active City Workers*

Educators, let’s unite with retirees and city workers.

Learn more here about this City Hall rally here.

AND:

Please be sure to sign and circulate this petition to preserve our healthcare.

"Dear friend,

Our allies, NYC Organization of Public Service Retirees have put out this urgent call to action for a rally at City Hall this coming Tuesday, April 11, at 12 PM, to all city retirees and all active city workers:

**************

"This is a call to rally for us to be heard! Time is of the essence!

Afterwards, we will be attending the City Council meeting & urging them to introduce our proposed bill!!

Bring your loved ones. This affects them too! This rally is for retirees and retirees in training (in-service/active workers).

This is your healthcare that the Municipal Labor Committee - dominated by the UFT and DC37, agreed to diminish. eliminating all our health plans and forcing us into Medicare Advantage. This is anti-labor and Un-American.

Medicare is a public health benefit! Be there with us!"

*************

In light of the unilateral decisions to force retired civil servants and essential workers who dedicated their lives in service to New York City into a diminished healthcare network and the MLC's secret, undisclosed proposed changes to active worker healthcare, its time we galvanize together to tell the City, and those who represent us, that we stand UNITED FOR OUR PREMIUM-FREE, QUALITY HEALTHCARE.

Make plans to attend this coming Tuesday. We need everyone there."

Also, please sign this letter to the New York City Council.

EMERGENCY MOBILIZATION: TODAY, 3/9, 11:30: 1 Bowling Green, NYC NO Medicare Dis-Advantage for New York City Municipal Retirees

EMERGENCY MOBILIZATION

NO Medicare Dis-Advantage for New York City Municipal Retirees

New York City Municipal retirees have been fighting for almost three years to prevent the City from switching our excellent traditional public Medicare with a supplement to an inferior, privatized Medicare Advantage Plan. After a successful lawsuit challenge, the City tried doing an "end run" by lobbying the City Council to change a law that has protected our healthcare for decades-- Administrative Code 12-126. This change would not only have affected retirees but could have also diminished current city workers' health benefits.

Retirees fought back and the City Council did not make this change.

Now the Municipal Labor Committee (MLC) and the Mayor are on the verge of forcing us into a life threatening for-profit Aetna/CVS Medicare Advantage plan with the vote by the MLC taking place on March 9th.

If this " nuclear option" is approved, retirees will no longer have the choices they have always had. They will be forced into the new Aetna Medicare Advantage plan and if they opt out they will lose all other NYC health benefits they and their dependents have always received: no Medigap coverage, no drug plan and no health coverage for family dependents.

When: Thursday, March 9th, 2023 at 11:30am

Where: Gather at 11:30am by the steps of the Smithsonian Museum across from Battery Park (next to the Bowling Green 4 and 5 subway stop)

What: After brief remarks, we will march past the offices of the UFT, PSC, OLR and DC37 and end up in front of City Hall. There will be short statements at each location from various union members. Arrive at City Hall by 1pm

A Facebook page for retirees to follow:
CROC

An article on this fight, in 'Labor Notes' magazine, March 8, 2023: 'New York City Retirees Fight Their Own Unions to Stop Catastrophic Health Care Cuts'

DOE teachers: considering retirement?: It's not just the 20 years you want to pass; age an important consideration

Considering retirement? The dearly departed Chaz, generous, resourceful, humorous, long may his memory live and his lessons for us.


--Especially also his financial tips.
Let us recall his tips. Some things to consider: be sure to read again his posts on pensions, the tiers and retirement.

Everyone says be sure to pass your 20 years in the NYC DOE, to improve your pension.

BUT, be sure to consider also age. The older you get, the better your payout, according to these charts on Tier IV and Tier VI.

From back in 2014: "A Simple Chart To Determine Your Tier 4 Pension."
Lots of factors to consider, as the above article indicates.
For example:
"Age Correction Factor: No educator can receive a regular pension before the age of 55. Between 55 and 61 years of age, the pension is reduced by the age correction factor. However, if the educator is part of the 25/55 program or has completed 30 years of service, no age correction factor is used."

Source for these charts: Chaz School's Daze post, "Saturday, January 20, 2018 Two Simple Charts That Compare Tier IV and Tier VI Pension Plans."

Tier VI is an outrage. However, few ATRs are Tier VI.

And a few months, later, a Chaze post on the Tier VI pension: "The Tier VI Teacher Retirement Game Is A Sucker's Game."

Admirably, the New Action caucus started a petition (around 2019, assuming from when the following blogpost was) for helping the Tier VI employees. From late November 2019: "Comparing Tier VI To Tier IV Pension"

Here's the link to New Action's petition for Tier VI workers: "Pension Improvements for NYC Educators"

From March 5, 2019, Chaz School Daze: "Why Defined Pensions Are Great For Teachers."

Another appreciation of the widely appreciated Eric Chasanoff

The passing of Eric Chasanoff (Chaz School Days) was a sobering event for myself and many NYC teachers. We relied on him for reporting accurate, timely, information about NYC education policy, incompetent and corrupt supervisors, and the Absent Teacher Reserve. He was one of a few bloggers that gave us a voice, when our union told us we "were lucky to have jobs". I remember meeting him the first time more than ten years ago, while being an ATR on regular rotations. Having been sent to a now defunct Queens HS, I was told to sit in the boiler room until I was called to cover a class. For a few days, I sat in glorious solitude beside the depression era boiler, until one morning I found an interloper had intruded my sanctuary....he event had the chutzpah to take my seat on the decrepit couch! He introduced himself only as Eric, an ATR earth science teacher. We began talking about our pariah status; he explained how "Fair Student Funding" was a major reason for the debacle, and how Bloomberg's "Leadership Academy" trained sapling pedagogues with no "institutional memory" to become cogs in the new business model. Our stories unfolded in similar fashion, as we were both science teachers from large community high schools in Queens. I asked him if he read "Chaz School Days", as I found it informative; he laughed and said ""Read it? I'm Chaz!...I write the damn thing. Thanks for reading my blog!" That was Eric, never grandstanding or grabbing headlines. In fact, I doubt most Principals even knew he was rotating through their school. Rest in peace Eric, you have guided many of us... WJP

Rest in peace, Eric Chasanoff

Baruch Dayan Emes ("G-d is the True Judge"). I am overwhelmed with grief at this terrible news. Eric was a caring and knowledgeable educator, whose talents were squandered by the irresponsible cretins at the DOE. Moreover, he was our Navigator, providing a steady hand and a guiding pathway through the dark waters of the criminal enterprise known as the DOE and its henchmen at the UFT. He comforted those newly accused of deeds they never did, statements they never made, and helped them formulate a survival plan. He had access to information from the DOE and UFT that others did not, and generously shared it with others in a clear and concise manner. Even after he retired, he continued to provide invaluable guidance about retirement and pensions. Eric's blog here was always my first stop in the morning, coffee in hand, learning the latest about how far the school system had fallen under the blundering aegis of first Bloomberg and then De Blasio and just shaking my head in disbelief and disgust. Eric, you took upon yourself a tremendous responsibility in laying bare the lies of the DOE and UFT and you carried it off brilliantly. Yours will be a hard act indeed to follow. I hope that your family will derive comfort on their tremendous loss and that you rest in peace eternal. Rest in peace, Eric Chasanoff, 1951-2020, teachers' advocate.

Official ATR meetings by the UFT Nov 22, 25, 26

The UFT is holding its annual meetings for ATRs Friday, November 22, Monday 25, Tuesday 26 at its boro offices. All meetings are 4:30 pm to 6:00 pm.
This is for DOE staff in excess; so this includes guidance counselors, social workers and librarians, in addition to teachers?


But why so late this year? Was it waiting for some lag time after its double dues dipping from the October retro payment and member frustration subsided?

Friday, November 22:
Brooklyn, 335 Adams Street (A & F -Jay Street)
Staten Island, 4456 Amboy Road

Monday, Nov. 25:
Bronx, 2500 Halsey Street (6 -Westchester Square)
Queens, 97-77 Queens Boulevard (M & R -67th Avenue)

Tuesday, Nov. 26:
Manhattan, 52 Broadway (4 & 5 -Wall Street; R & W -Rector Street)

Retro coming next week, & again UFT's double-dipping on the dues

Just to remind folks: NYC held out against giving teachers a contract after Randi Weingarten's 2005 epic giveback contract.  Costs of NYC living climbed in the years since that contract ran out, but the new 2014 contract stretched out the raise slowly. Plus, the retro pay, the raise we should have gotten was illogically spread out --to 2020!
So, of course, yet again, the Tier VI teachers will scratch their heads and wonder what this retro talk is.

Each time we have been given a retro payment the UFT has dipped in for dues once for the twice a month paycheck, and a second time for the giving us the retro. The union claims that this was for the work of negotiating the contract. But the UFT needs to be rewarded multiple times for this?

Be forewarned: next week you will get a retro payment, your next to last retro payment. (The last will come in 2020.) But you will see dues taken out twice -yet again!

NYCDOE & UFT up to same BS: job crumbs at best for ATRs

So, it's the end of the summer and the same thing has happened:

Earlier in August the NYC Department of Education shut off the open market transfer for a few days and then reopened it. (The farce of the transfer system is addressed here.)

The DOE has held a number of job fairs over the summer and it has not informed actually licensed and experienced teachers (teachers in the Absent Teacher Reserve - ATR) of these job fairs. The job fairs in the last weeks of the month have positions in the hard to staff schools and in the harder to fill licenses: science, special education.

The DOE has the gall, once again, to hire inexperienced newbies over the ATRs who wish to actually teach as they had done for years, before Randi Weingarten gave up the seniority transfer in 2005 (referred to here) and the United Federation of Teachers got teachers to go along with this.

The UFT challenges none of this; and it goes by the same script that it is up ATRs to get a job, when everyone knows that salary is what keeps them from being considered. Adding insult to injuries is that the UFT also crows about 3,000 new teachers being added to the teaching force. (Really, they are happy about adding 3,000 people who will pay dues; so the union actually has an incentive for the city to add newbies into jobs that experienced teachers could have.)

Forget about the line that the NYCDOE/UFT uses: that ATRs won't factor into raising average teacher salary in the school budget. Admins are smart. They know that whatever good budget arrangement that exists this year could be turned around in a future contract. They know that the formula could change three years down the road and the school will have to pay for the more expensive teacher. So, the school administration plays it safe and continues to go for the new, inexperienced teacher. This is why teachers with many years in the system will not get picked up by schools.

Of course, there is an age factor here: the ATRs tend to be over 35 years of age; most: over 50 years old. The newer teachers are in their early or mid-20s.

As to teachers in the reserve that will be placed into positions as opposed to just being assigned to schools in September: the DOE waits until the last possible moment, less than a week before school starts, to inform teachers of which school they will be assigned to. Furthermore, the notice omits information as to which topics they will be teaching. Memo to admins from people that actually teach in the classroom: different grades mean different curricula. Contrast this with other teachers who are informed at the end of June as to what their program will be. All of this means hastier preparation in the days before students return to the classroom.

All of these practices under De Blasio and Carranza are no different from Bloomberg, Klein and Walcott. Actually, some practices are worse under Carranza: giving insanely inflated raises to top administration. Several high level admins got raises ranging from 15 percent to 35 percent --compare this to the two to three percent salary raise in the last teachers contract. There was news last Saturday that there are now 36 administrators earning over $200,000 per year, a greater than 50 percent increase over the number of DOE admins earning that kind of salary in the last fiscal year. So, if the city has the money to give administration favorites, then why isn't this money given instead to the teachers who are in the classrooms?  The NYCDOE/UFT cannot in good name continue to go by the script that there is no money for reverting to the teacher unit system (pre Fair School Funding) when it spends this kind of money.

The UFT needs actually advocate for its members: it needs to press the city to go back to the system that worked in the past: valuing experience. The union needs to give preference to the ATRs, not to the inexperienced.

UFT ATR meetings this week - Placement is the front and center issue

Official UFT ATR meetings where 
the UFT will discuss 

placements and evaluation 

and other questions we may have.

Which plan for observations will be put under? The one for probationers?

How can we can the DOE place us 
without getting proper Danielson training and new technology practice?

We'll be compared against teachers who entered the system after Danielson was introduced. To add insult to injury, we often did coverages for teachers who were out if the classroom for such training.

Will principal's have a say, and will we be Funded from the central budget?

And will the UFT allow the DOE to cynically hire new people during the summer, as they do every year? The new contract says nothing about eliminating Fair School Funding which incentivizes against hiring experienced teachers.

Watch ATRs mainly get placed in schools that were unable to find anyone before Labor Day, unintroduced to their their program or room. 

All times are 4 pm, at the UFT boro offices.

Mon., October 15: Queens, 97-77 Queens Blvd

Tue, October 16: Bronx, 2600 Halsey Street

Fri, October 19, Staten Island, 4456 Amboy Road

Mon., October 22, Brooklyn, 335 Adams Street

Fri., November 2, Manhattan, 52 Broadway

Come help bring ATR issues to the plate for the next contract

Come to the MORE Caucus (UFT) meeting, tomorrow, Saturday, Sep. 22, 12-3 pm, at the CUNY Graduate Center, rm. 5414.

Bring concerns, whether they be how the fair funding formula feeds into school closure, ageism, teacher displacement --displacement of veteran teachers by less experienced, lower paid staff (strikebreaking by another name). 

In interim assignments, more often we are shunned as outsiders, and worse, sometimes bullied instead of being welcomed as new colleagues.

For things to change we need to come together and act.

DOE excess system starting out new year with glitches

New York City's Department of Education is starting out the new 2018-2019 with problems already.

Standard ATR assignment procedure has the ATRs getting their assignments by Thursday afternoon, evening if the system is running late. Not this year. Just a few hard their assignments by Thursday evening. And many ATRs did not get their assignment by 5 pm Friday. Many were finally sent out over the next hour and a half.
Why the delay? The DOE has been handling this assignment task for a few years now.
Maybe the problem is due to a big influx of new ATRs. Mayor Bill De Blasio shut many schools last year. And in the case of Renewal Schools without great clout the teachers were turned out of their jobs, being told to get new position assignments at other schools or wait and see what rotation would bring. (As always, Fair Student Funding means that new hires will get preference in filling the vacancies at new schools or those Renewal Schools which turned out their veterans.) The big mystery is how many new ATRs or excessed staff are there, scores? Hundreds?

Another thing: is part of the DOE algorithm for assigning teachers to work as far as possible from where they live? Teachers had years back applied to work not too deep into a borough next to their own borough. For example, a teacher living in the Bronx might seek a teaching job in Harlem. But we're seeing in the rotation era teachers being assigned to the furthest end of the borough, creating commutes in excess of one and a half hours, so, in the case of the above Bronx residing teacher, he'd be assigned to the far south end of Manhattan.
Surely, these are hardship commutes.

AND, there are some excessed employees in good standing, as of Labor Day, still with no assignment!

The teachers shot dead at Santa Fe were substitutes. Carranza and DeBlasio's DOE still denies keys to many ATRs.

The two staff member dying in last week's latest mass school shooting were substitutes. Let that sink in. Time magazine gets it. Why doesn't the NYC DOE or the UFT for that matter?
Where is Michael Mulgrew loudly declaring action to ensure our safety.

Time magazine wrote, "‘They’re Really on Their Own.’ Santa Fe Reveals the Danger of Being a Substitute Teacher in Era of School Shootings," pointing out the obvious safety hazards that substitute teachers face. Technically, we're not subs. But let's face it, when it comes to security, we ATRs treated that way: left out of getting all the safety materials such as colored cards for the possible lockdowns, and many of us are still left out on getting keys to lock classroom doors.

Here's another clincher: we know that three of the slain students were in the art class that substitute teacher Cynthia Tisdale was covering. One wonders: did Santa Fe substitutes lack keys as many ATRs do? Let that weigh on the conscience. Will DOE refusal to "arm" ATRs with keys lead to a situation in which students die because the school was uncooperative with getting keys to an ATR?

Neither the DOE nor the UFT have given you special tips from the perspective of the perspective of a substitutting teacher --perhaps because it's been so long since any UFT leader was a substitute teacher. Here are some useful comments in the Time article.

In Briscoe’s [one surviving substitute] case, he told the students to cover their mouths based off of what he had heard occurred at other school shootings in the past. “That was something I never learned in training,” Briscoe, who earned around $12 an hour substitute teaching at Santa Fe High School, said. . . . This fight-or-flight mentality applies to all teachers thrust into these terrifying situations — whether they had gone through training or were familiar with the space or not, Briscoe said. But with two mass-casualty school shootings this year thus far, the layout of a classroom and lockdown procedures are on the top of the minds for some substitute teachers at each new gig.
“We’re expected to go in there and do the same job,” said Ginger Swanson, a 44-year-old substitute teacher based in Ohio. “We should have access to the same tools and information.” . . . .

Any time Swanson walks into a new classroom now, she thinks: Is there more than one exit? What’s this building’s floor plan? Can I open that window? Can the kids fit out the window? Can I? Where does the window lead to? What could I use to barricade the door? “You can’t just read your lesson plan and have a day with the kids,” Swanson said. “You have to keep [the potential for a shooting] in the back of your mind now.”
Swanson didn’t have these thoughts back when she began substitute teaching in 2012. She now wants schools in her counties to host orientations for substitute teachers so they can have a better sense of its protocols, lockdown procedures, layout and more.

(Of course, the 2012 reference is to the Sandy Hook massacre, the largest school shooting to date.)
Where is the Ginger Swanson in the UFT, advocating for our safety? We need reforms now, or we could become statistics, like Glenda Ann Perkins and Cynthia Tisdale in Santa Fe, Texas.

Hey DOE, are 35 lives worth less than the cost of a classroom key?

Recent weekend copies of AMNY reported that De Blasio wants active shooter drills for the schools by March 15. The major question looms: will ATRs and other itinerant teachers (traveling "specials" teachers or per diem substitutes) be supplied classroom keys in time? Or will the DOE continue to ignore the safety gap for ATRs?

Where is the UFT?

ATRs have long had the indignity of being told that since they were not staying at a school for a long time they were not eligible for bathroom keys, elevator keys, teachers lounge keys and yes classroom keys. Across NYC certified teachers, professionals with experience have had to telegraph their need to use the restroom by requesting to borrow keys. If lucky they are able to get a colleague to lend them the key to make a quick copy. When it comes to elevators, and classroom keys they are so routinely denied that it has become an inside joke to ATRs. Teachers tell colleagues entering into the ATR pool not to return their elevator keys at the end of the year so that they will have them in other locations. 

Teachers have had to make a nuisance of themselves to get a basic thing. Classroom keys are the most necessary item that is routinely denied. Teachers end up having to rush to catch an outgoing teacher or hope that a passing pedagogue will pity them and pretty please open the door. Teachers in the ATR pool report being reprimanded for having kids standing in the hall, when they had no keys. 

Lockdown drills have taken a whole new meaning now. With the seedy safety situation in schools having been revealed as subpar, it is clear that active shooter drills and lockdowns will continue to be a part of school cultures. But what about the kids being taught by an ATR denied keys? How much time is wasted because the DOE insists on treating these pedagogues as pariahs? Should kids just go to another classroom in an emergency? Should an ATR on a prep not be able to seek shelter with a classroom key? And the same can be said for substitutes and often for specials teachers lacking the specific room keys.

The DOE should immediately review all the lockdown procedures in schools, ascertain the problems with locks, master keys and solve them so that every DOE staffperson in a school building is equipped with keys for every room that she or he would be in during the course of a day.

Once assigned to a school, an ATR should receive keys, should get a mailbox, a school email and a teacher manual with all procedures and protocols. The safety of our students should not be put at risk because a whole set of teachers is being bullied by the DOE. If the school leaders cannot commit to these things, how can they honestly guarantee that a tragedy does not happen to DOE students and staff?

Why in the era of Newtown and Parkland are ATRs denied keys for locking their room?

Last week 17 people, students and staff, have lost their lives to gun violence on campus.

One key way that teachers helped many students to survive in the Sandy Hook school in Newtown, Connecticut and the Marjory Stoneman Douglas High School in Parkland, Florida was to lock the classroom doors.

A lesser well known ugly truth is that in members of the Absent Teacher Reserve are often not given keys that allow them to lock the classroom doors. ATRs know why this is done. ATRs are treated as pariahs. Neglecting the needs to equip with them with the essential tools to do their job is another way to ostracize and demoralize them. However, declining to give ATRs classroom keys is a serious safety problem. The NYC Department of Education has done a cruel thing in failing to see that ATRs are fully equipped. The DOE and the UFT have known that this is an ongoing problem. They are both failing in a duty of leadership and rectifying this.

Deadline of ATR class action suit against the NYC DOE extended to end of month

The deadline for joining the class action suit of ATRs against the New York City Department of Education has been extended to Friday, February 28, 2018.

See the post from last week for details on the excessed teachers' lawsuit.

Class action vs NYC DOE extended

The deadline for joining the class action suit of ATRs against the DOE has been extended to Friday, Feburary 9, 2018.

See the post from last week for details on the excessed teachers' lawsuit.

ATRs are suing the DOE!

EDIT: The class action joining deadline is moved forward.
It's finally happening: New York City ATRs are suing the city Department of Education.

Members of the Absent Teacher Reserve, or ATRs, are getting fed up: fed up with the field supervisors doing bogus observations in classrooms teachers just encountered, principals run amuk, writing up veteran teachers for petty things so that the DOE can quickly lower salary costs and relieve a teacher of full pension, fed up with the blatant age discrimination, and OF COURSE, fed up with the union (the UFT) for saying the DOE's line that teachers could get real assignments, if only they polished their resumes and had modern skills.

The law firm of Glass and Krakower (www.ghnylaw.com) is taking up a class action lawsuit on the case. They are an established practice with successes in challenging cases of teacher abuse. As part of the case, the legal team is looking into ways that teachers that teachers have been abused in their particular cases.

Here is the link. There is a deadline of February 9.

www.ghnylaw.com/atrsuit

And a form, associated with the suit to fill out: http://teacherslawyer.blogspot.com/2017/12/asking-courts-if-fair-student-funding.html?m=1

Your future if Scrooge Asher and Farina get their way and terminate you

In your 50s, 60s, 70s, or even 80s: living out of an RV, or a car, going from seasonal job to seasonable job, as the nomafic working elderly.

Jessica Bruder three years ago wrote a breakthrough piece in 'Harper's' on the difficult life of older people with no pensions, formerly middle class, they were out of their luck.

Play your cards write and fight unjust treatment and unfair observations.

A journalist spoke at length with her about her new book, 'Nomadland: Surviving America in the Twenty-first Century.'

It's an important and sobering wake-up call about how weak out country's private pension system is.

Yes, be thankful you will have a pension --or so it looks now. Those with 401K's were conned, as scholar Teresa Ghilarducci has discussed.

The 401(k) … is one of the only products that Americans buy that they don’t know the price of it. It’s also one of the products that Americans buy that they don’t even know its quality or know how to judge its quality.