AgingAging Information Committee BlogBlog

Healthy Aging in the 21st Century: What Retirees Need to Know

by Dale Koch
As we move deeper into the 21st century, one undeniable reality is shaping societies worldwide: people are living longer than ever before. Advances in medicine, technology, and living standards have pushed life expectancy upward, and for retirees, this offers both tremendous opportunities and new challenges. The idea of retirement is evolving—no longer a short chapter at the end of life, but often a decades-long phase that demands thoughtful planning, proactive health management, and flexibility to adapt to change.
 

A New Vision for Retirement

In the past, retirement often meant stepping away from work around age 65, then enjoying a relatively short period of leisure. Today, many retirees will live well into their 80s or 90s, with many years to fill. That shift brings with it the need to think differently about how we approach our later years—balancing financial security, health, and personal fulfillment.

Retirement is increasingly being seen as a time for reinvention. Some retirees are starting second careers, pursuing lifelong passions, or engaging in volunteer work that keeps them active and connected to their communities. This “second act” mindset doesn’t just provide purpose—it also contributes to mental and physical well-being.

Health Care in an Aging Society

One of the most significant factors influencing the future of retirement is the changing nature of health care. As populations age, demand for medical services is increasing, especially for managing chronic conditions like heart disease, diabetes, and arthritis. However, the good news is that preventive care and healthy lifestyle choices can delay or even prevent many age-related illnesses.
 

Emerging technologies—such as telemedicine, wearable health devices, and personalized medicine—are transforming how retirees can manage their health. Video visits with doctors reduce travel burdens, fitness trackers encourage daily activity, and genetic testing can help create individualized wellness plans. Additionally, advances in regenerative medicine and longevity research hold promise for extending not just lifespan but “healthspan”—the number of years we live in good health.

Financial Planning for Longer Lives

Living longer also means financing a longer retirement. The traditional model of relying solely on pensions and Social Security may no longer be enough. Today’s retirees must think strategically about income sources, investment options, and potential health care expenses over 20–30 years.
 
Financial experts recommend creating flexible plans that can adapt to changing circumstances. That includes maintaining a balanced investment portfolio, budgeting for health-related costs, and exploring supplemental insurance options like long-term care coverage. Retirees should also consider ways to generate income during retirement, such as consulting work, part-time employment, or rental property investments.
 

The key takeaway is that longevity should be factored into every retirement plan. Running out of savings is one of the greatest fears among retirees—but with proactive planning and periodic adjustments, that risk can be minimized.

Healthy Aging as a Lifestyle

Healthy aging isn’t just about medical care—it’s about daily habits that support vitality. Eating a balanced diet, staying physically active, nurturing strong social connections, and engaging in mentally stimulating activities all contribute to a higher quality of life in later years.
 

Communities that prioritize walkable neighborhoods, accessible fitness programs, and lifelong learning opportunities will play a major role in supporting older adults. The more retirees can remain engaged, mobile, and socially connected, the better their health outcomes tend to be.

The Road Ahead

The future of healthy aging and retirement will be shaped by how individuals, families, and policymakers respond to these demographic shifts. It’s a shared responsibility: retirees must embrace proactive planning and healthy living, while society must ensure that systems—retirement benefits, health care, and community resources—are equipped to support an aging population.
 
For members of the National Chrysler Retirement Organization, this is a time to take stock, explore new opportunities, and prepare for the road ahead. The retirement of tomorrow is not just about slowing down—it’s about staying strong, curious, and financially secure for as long as possible.
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Expect Changes to Medicare in 2026: How to Prepare Now – Join NCRO’s Free Medicare 101 Webinar on September 11

by Insurance Committee
Medicare plays a vital role in the health and financial security of millions of retirees. If you’re one of them, it’s important to stay informed about changes that could impact your coverage, out-of-pocket costs, and how you manage your healthcare. In 2026, several key updates to Medicare are scheduled to take effect—and they may bring significant benefits and new considerations for current and future enrollees.
 
Whether you’re already on Medicare or approaching eligibility, now is the time to prepare. NCRO is here to help you understand what’s coming and how to make the most of your Medicare plan. And don’t forget: our free Medicare 101 Webinar is coming up on Thursday, September 11 at 9:30 a.m.—an excellent opportunity to get your questions answered.
 

What’s Changing in Medicare in 2026?

 
1. Prescription Drug Cost Reform
One of the most anticipated changes coming in 2026 is the federal government’s ability to negotiate drug prices directly with pharmaceutical companies—a first for Medicare. This provision, part of the Inflation Reduction Act, aims to significantly reduce the cost of some of the most expensive and widely used medications under Medicare Part D.
 
Price reductions will take effect in 2026 and are projected to save Medicare billions—savings that could lower premiums and out-of-pocket costs for beneficiaries.
 
2. Out-of-Pocket Spending Cap for Part D
Also beginning in 2026, Medicare Part D will introduce a $2,100 annual out-of-pocket cap for prescription drug expenses. This is a major win for retirees, many of whom have faced unlimited drug costs in the past if they required specialty or high-cost medications. The cap offers peace of mind and makes it easier to budget for medical expenses.
 
3. Expanded Eligibility and Preventive Services
Medicare continues to expand access to preventive services. While not exclusive to 2026, ongoing improvements will broaden access to screenings, vaccines, and chronic disease management. There is also discussion in Congress about expanding coverage for services like hearing, dental, and vision—though these changes are still under consideration.
 
4. Greater Plan Transparency and Accountability
Starting in 2026, Part D plans will be required to be more transparent about costs and formularies (the list of covered drugs). This means you’ll have better tools to compare plans, estimate your costs, and ensure your medications are covered—making it easier to choose the right plan during open enrollment.
 

What Do These Changes Mean for You?

 
These changes are designed to make Medicare more affordable, especially for retirees with fixed incomes. However, they also mean you’ll need to be more proactive in reviewing your plan each year. It will be more important than ever to compare coverage options and understand your benefits.
 
If you’re under 65 and planning for retirement, knowing what to expect from Medicare can help you prepare now. For those already enrolled, these reforms could lead to substantial savings—but only if you know how to navigate the system.

Join Us for a Free Medicare Webinar – September 11 at 9:30 a.m.

To help you make sense of these upcoming changes, the National Chrysler Retirement Organization is hosting a free educational webinar:

 “Medicare 101: Information for Pre-65 and 65+”
📅 Thursday, September 11, 2025
🕤 9:30 a.m. Central Time
💻 Online – Free for NCRO Members
 

This webinar will cover:

  • Medicare Parts A, B, C, and D
  • 2026 policy changes and how they affect you
  • Coverage options before age 65
  • How to choose and change your plan
  • Answers to your Medicare questions
Whether you’re new to Medicare or just need a refresher, this session is for you. Registration details will be sent via NCRO email newsletter and posted on the NCRO website.
 

Final Thoughts | Stay Informed, Stay Prepared

Medicare changes can be complex, but staying ahead of them ensures you get the best coverage at the best price. As we approach 2026, keep an eye on updates and take advantage of resources like NCRO’s Medicare webinar to make the most of your benefits. 
For more information, visit Medicare.gov.
 
Your health and financial security matter—let’s navigate Medicare changes together!
 
National Chrysler Retirement Organization (NCRO).  Helping retirees make the most of their benefits.
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AgingAging Information Committee BlogBlog

How the End of Social Security Paper Checks Affects Aging Retirees – NCRO’s Key Advice

by Dale Koch
For generations, retirees have relied on the familiar arrival of a paper Social Security check in the mail. For many aging Americans—especially those who are not tech-savvy or who lack easy access to banking—this monthly ritual has been a cornerstone of financial stability. But now, that system is changing.
 
The U.S. Treasury has fully phased out paper checks, requiring all federal benefit recipients, including Social Security and Supplemental Security Income (SSI) beneficiaries, to receive payments electronically. While this shift improves security and efficiency, it also presents real challenges for older retirees who may struggle with technology, distrust digital banking, or lack reliable internet access.
 
At the National Chrysler Retirement Organization (NCRO), we understand that this transition can be stressful. Many retirees worry about scams, payment delays, or simply navigating a new system after decades of routine. That’s why we’ve created this guide—to help you understand what’s changing, how it affects you, and what steps you can take to ensure your benefits continue without disruption.
 

Why Are Paper Social Security Checks Ending?

Since 2013, the federal government has been moving toward electronic payments for all federal benefits. This change was implemented for several important reasons:
  1. Enhanced Security – Paper checks can be lost, stolen, or forged. Electronic payments reduce fraud and ensure your money arrives safely.
  2. Faster Access to Funds – Direct deposit means no waiting for mail delivery or bank processing—your money is available immediately on payment day.
  3. Cost Savings – Taxpayers save millions annually by eliminating printing and mailing expenses.
While most retirees have already made the switch, some—particularly older adults who have used checks for years—may still need to transition. If you or a loved one haven’t yet enrolled in electronic payments, now is the time to act.
 

How to Receive Your Benefits Electronically

You have two main options for receiving Social Security payments:
 
1. Direct Deposit to a Bank or Credit Union Account
This is the simplest and most secure method. Your benefits are automatically deposited into your account each month.
  • How to Enroll:
    • Contact your bank for your account and routing numbers.
    • Call the Social Security Administration (SSA) at 1-800-772-1213 or sign up online at www.ssa.gov/deposit.
    • If you don’t have a bank account, many institutions offer low- or no-fee accounts for seniors.
2. The Direct Express® Debit Card
If you prefer not to use a bank, the Treasury provides a prepaid debit card where your benefits are loaded automatically.
  • Key Features:
    • No bank account required.
    • Works anywhere Debit Mastercard® is accepted.
    • No monthly fees for basic use (some transaction fees may apply).
  • How to Enroll: Call 1-800-333-1795 or visit www.usdirectexpress.com.

Special Considerations for Aging Retirees

This transition may be harder for older adults who:
  • Don’t use computers or smartphones – Setting up direct deposit may require help from family, a caregiver, or a local SSA office.
  • Have limited mobility – Visiting a bank or SSA office in person can be difficult. Consider asking a trusted person to assist.
  • Distrust digital banking – Some retirees worry about scams or losing access to their money. The Direct Express® card can be a simpler alternative.

Avoiding Scams & Fraud

Scammers often target retirees during transitions like these. Remember:
  • The SSA will never call, email, or text you asking for banking details.
  • Only provide information through official channels (SSA.gov or their verified phone number).
  • If unsure about a request, hang up and call the SSA directly.

What If You Don’t Make the Switch?

If you’re still receiving paper checks, you must switch to electronic payments as soon as possible. Failure to do so could delay your benefits. 

If you need help:

  • Ask a family member or caregiver for assistance.
  • Visit your local SSA office (call ahead for an appointment).
  • Contact NCRO for additional resources.

The Bottom Line

The end of paper checks is a significant change, but electronic payments offer greater security and convenience. If you haven’t already switched, take action today to avoid disruptions in your benefits.
.
Stay informed, stay secure, and ensure your benefits keep coming—without a hitch.
 
 
For more help, visit:
Disclaimer: This guide is for informational purposes only. For personalized advice, consult the SSA or a financial advisor.
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NCRO July 2025 Newsletter | Summer Edition

by NCRO

We hope this newsletter finds you well. For those of you in the northern parts of the country, we hope you are enjoying the arrival of summer weather.

As we have communicated in the past, we continue to collaborate with the National Retiree Legislative Network (NRLN) on issues that affect all of us but require a national effort beyond FCA US. As a member of the NCRO, you are also a member of the NRLN. Recently, our President, Jay Kuhnie, joined Bill Kadereit, President of the NRLN, and Alyson Parker, NRLN’s Washington Director, to meet with Congressional Committee members’ staffs. They advocated pension derisking issues, where companies transfer their pension obligations to insurance companies through the purchase of annuities, eliminating pensioners’ ERISA protection. We are advocating for reinsurance that would provide 100% protection in case of the insurance company’s insolvency. Additionally, they discuss the future funding of Social Security and issues related to Medicare. We will update you on the results of our activities in future communications.

We are very appreciative of and thankful for your continued support. If you have any issues or need assistance, please contact us at nc*********@**ro.org.

Update on February Tri-Annual Meeting

Over the years, we have held either quarterly or tri-annual meetings, hearing from various aspects of the automotive industry. This includes corporate executives within Chrysler/FCA, automotive experts from the media and research, and other experts in the field of protecting seniors and retirees. However, we have not yet heard from our amazing dealer body.

To address this, the NCRO invited Bill Golling from the Detroit Metro area, one of Chrysler/FCA/Stellantis’ largest and most successful dealers, to speak to us. He provided his perspective on the history of the business and his thoughts on its current state and future direction.

Bill shared his personal history and how he became part of the business, starting as a young man working for his father, who founded the Golling dealerships. Over the years, Bill has expanded the business to include many dealerships with several different automotive brands and franchises. He is now transitioning the management of the dealerships to his two sons.

Bill provided excellent insights into the world of dealers, specifically what they have faced over the past several years since the beginning of Stellantis. He also discussed the positive changes made by the newly appointed management in recent months. Additionally, Bill shared interesting insights into the electrification of the automotive business, its impact on dealers’ short-term and long-term business, and the financial implications for dealerships.

If you were unable to attend the meeting, we encourage you to view it along with other meeting videos on Youtube at https://youtube.com/@thencro.

 

Aging Information Committee

The NCRO Aging Information Committee held a webinar on March 18th at 11 AM EST, covering Assisted Living Choices with speaker Justine Bykowski. We are exploring other topics for future webinars, so keep checking our page on NCRO.org. Also, visit our website for our new blog on Aging Issues, which is well worth a visit.

We hope everyone is doing great. If you have questions, please email us at Ag***@**ro.org

 

Request for Possible NCRO Board Members

Since its inception in 2008, the activities of the NCRO have been directed by a Board of Directors. Currently, our Board consists of an exceptional group of 20 members, most of whom have served for over 10 years, some since the inception of the NCRO.

All organizations need to develop a succession plan, and the NCRO is no different. We are looking for individuals who might be interested in serving as a member of the Board. Our current Board is made up of individuals from all areas and levels within the automotive industry, which we believe contributes to our success.

If you are interested in serving on the Board, please contact Jay Kuhnie, President, at ja*******@**ro.org.  Upon receiving your interest, he will contact you to discuss the Board and its activities. Remember, this is a volunteer organization that can provide a tremendous amount of satisfaction working for our retirees.

 

Insurance Committee Update

Filing Claims with Via Benefits Accounts (VBA)

In December, the NCRO’s Insurance Committee provided a 90-minute webinar presented by experts from Via Benefits Accounts (VBA), which is now posted on the NCRO’s website. The presentation covered claims filing for reimbursements from the Healthcare Retirement Account (HRA) and the Retiree Health Care Account (RHCA).

You can access the presentation and video from the NCRO homepage: https://ncro.org. We encourage you to visit our website for all the information the NCRO provides its members.

Here is the direct link to the presentation:                                                                                             

https://ncro.org/wp-content/uploads/2024/12/FCA-VBA-Stellantis-NCRO-12-10-24-Deck-FINAL.pdf  

And here is the direct link to the video on the NCRO’s YouTube channel: https://www.youtube.com/watch?v=h9beKnywKr8

NOTE: If you have an issue with VBA or Benefit Connect (BC) that you cannot resolve directly with them, please send the NCRO Insurance Committee the details, and we may be able to help through our contacts in HR provided by FCA. Please send that information to the Insurance Committee at In****@**RO.org.

 

Patient Assistance Programs (PAP) for Drug Cost Relief

If you or someone you know is taking an expensive drug, you are aware that some biological medications can cost tens of thousands of dollars, potentially exceeding $100,000 annually, depending on insurance coverage. Insurance often covers much of this cost, but each plan (including Medicare Part D) can have rules and limits resulting in high out-of-pocket expenses. For those with Medicare Part D, the cost for 2025 is capped at $2,000, provided the drug is in the insured’s drug plan formulary.

Drug manufacturers understand that these prices are unaffordable for many Americans. As a result, most have created Patient Assistance Programs (PAPs) to assist individuals who find their prescribed drugs extremely expensive. The manufacturer may serve as either a secondary insurance plan to your regular drug insurance plan or bypass your insurance plan altogether, providing the medication free of charge or at a discount.

First, determine if the manufacturer of your medication has created a PAP. Your doctor’s office staff can help by applying to the manufacturer for you, but you may need to ask. They know which drug manufacturers have programs for the specific drugs prescribed. Alternatively, you can determine the manufacturer of your drug via the internet and contact them directly. Inquire if they have a PAP for patients, ask if you are eligible, and learn the steps to apply.

It is worth noting that not all PAPs have income limitations. Some are open to all users of the medications, with no income requirements whatsoever. However, under federal law, people covered by Medicare, Medicaid, or other federally funded insurance plans are not always eligible to enroll in these PAP programs. With the recent advent of the Medicare Part D $2,000 cap on drug costs, there may be less incentive for manufacturers to help. However, if you have a drug that is not in your insurer’s formulary (even after requesting an exception), the manufacturer might be more inclined to assist.

If someone cannot be covered under a PAP, there are charitable organizations that fund drug costs for various illnesses, primarily cancer. Manufacturers have lists of these charities. In some cases, if a charity has exhausted its funds for a particular drug or illness, the manufacturer may then cover the entire cost of the drug. Different manufacturers have varying policies.

The manufacturer’s PAPs are extremely knowledgeable about the ins and outs of all types of coverage available. Be proactive and call them; they will direct you. They are your best source of information and assistance. However, beware of scam websites that want to charge a monthly fee to provide you with your drug at a discount or for free. Ensure you are visiting the manufacturer’s website.

These medications are expensive, but help is available. Be persistent and willing to investigate all the resources available.

 

Who is the NCRO’s Insurance Committee (IC)?

We are a group of fellow retired NCRO members who wanted to understand more about our own retiree benefits to help ourselves and our fellow retirees. Formed about 15 years ago, we now have seven members from MI, OH, and IN who can assist you when you encounter roadblocks with the normal FCA channels of Via Benefits Accounts (VBA) and Benefit Connect (BC). The IC has helped several hundred fellow retirees, both directly with the benefits knowledge we have gained and by using the FCA contacts provided to us in FCA’s Health Care, Pensions, and other retiree benefits departments. On the NCRO.org website, we provide content for the tabs Health Insurances, Reimbursements, and Pension/Soc Sec. We also sponsor and hold webinars on these topics. If you hit a roadblock following your normal VBA and BC channels, you can email us the details to see if we can help at In****@**RO.org.

Your Personal Invite to an Important NCRO Webinar

On Thursday, September 11th at 9:30 AM, the Insurance Committee of the NCRO will again present “Medicare 101: Information for Pre-65 and 65+”, our annual webinar that focuses on issues of importance to all retirees (and their spouses).

While this webinar is designed for those retirees (and/or spouses) who are getting ready to enroll in Medicare (ages 62-64), it also provides very valuable information for those who are already 65+ and currently on Medicare. You need not be a member of NCRO to participate in this free webinar.

The agenda includes speakers on:

  • Overviews – Social Security, Medicare and Medical Insurance
  •  Understanding Medicare Advantage and Medicare Supplemental Plans (Medigap Plans)
  • Break
  • Understanding Medicare Part D Rx Drugs
  • An Introduction to your Retiree Health Care Account (RHCA). Healthcare Retirement Account (HRA), & Via Benefits Accounts (VBA)
  • Healthcare Consultants Available for your Decision Making
  • Questions and Answers

Please click on this link to register for the WEBINAR.

After registering, you will receive a confirmation email which will contain information on how to join the webinar.
It is anticipated that the webinar will last approximately 3½ hours and end around 1:00 pm.

Registration is now open (see above). In mid-August, you will be receiving an announcement/registration email, at which time, you will also be able to register by going to the NCRO website at NCRO.org.

2025 CY Membership Dues

Reminder: Calendar Year 2025 Annual Dues (01-01-2025 through 12-31-2025) invoices were mailed at the beginning of November 2024. The $25 annual dues were to be paid by December 31, 2024. If you have already paid your 2025 Calendar Year Dues, you will not receive a dues notice. Second dues reminders were sent in March 2025 for those who haven’t paid their dues.

We also ask that you encourage your retiree friends who are not NCRO members to join our efforts by becoming members of NCRO.

Reminder to Check/Update Your Information for the NCRO

To ensure that NCRO can provide you with the latest communications, newsletters, benefits, and company ownership updates, please check and update your information in the NCRO database.

Regarding Membership Information in the NCRO Database:

There is no linkage between Stellantis and NCRO databases. If you update FCA with any changes to your home address, email address, or phone numbers, these changes do not get to NCRO. You need to update both Stellantis and NCRO separately.

  1. Email Address: If you no longer have an email address, the only means for NCRO to provide you with written communications is through your mailing address. If it is not correct in the NCRO database, you will not receive any communications from NCRO. Please keep your address in the database current.
  2. Snowbirds: Many of you may travel to a warmer climate for the winter months. We cannot keep two mailing addresses for you in our database. Please provide NCRO with one main mailing address to send NCRO communications.
  3. Payment Addresses: All 2024 Calendar Year payment addresses will be reviewed and compared to what is in the NCRO database. If you are using the NCRO website to make payment for breakfast meetings or dues, please take the time to review your information in the database and correct it if required.
  4. Caregiver Address: If you are living with a caregiver, please use the caregiver’s address in the database.

Please go to the NCRO website (www.ncro.org) under the “NCRO Members” tab and check to see that your correct address and/or email address is on file. It also may be incorrect in FCA’s database. So, update both NCRO and Stellantis with any changes in address and/or phone number. Make that update at https://fcabenefits.ehr.com. Click on My Profile and on View/Edit to see your current information and make any needed changes. If you have a problem updating your information in the NCRO database, please contact Pete Piccinato, and he will help to get it done. Pete’s email is: pp********@*****st.net

 

Retiree Friendly Dealer Program

We now have seven Detroit Metro dealers participating in the Retiree Friendly “no hassle” process for selling vehicles to retirees. You can also visit our website to review the list of retiree-friendly dealers and their contact information.

If you are in the market for a vehicle, contact one of the Retiree Friendly Dealers listed below to schedule an appointment. Please make sure that you contact the person identified for that dealer, as they understand the retiree-friendly dealer program. Also, remember the Chrysler Employee and Retiree Advantage Program. Control numbers are available for your use at https://www.ea.chrysler.com/EmpAdv/

Also, remember to use the Retiree Friendly Dealers for your service maintenance. If you go to one of the Retiree Friendly Dealers for maintenance, please let them know that you are a member of NCRO. This will let the dealers know that NCRO members are supporting them since these dealers are supporting NCRO.

Participating Dealers:

Birmingham:

Bloomfield Hills:

Rochester Hills:

Warren:

Chelsea:

Roseville:

Auto Tech Tips

The NCRO has added a section to our website for members to ask questions about issues with their Stellantis vehicles. Once we receive a question, it will be submitted to one of our retiree-friendly dealers. The response will be posted on the website, and a separate email will be sent to the individual who asked the question. Our retiree-friendly dealers support this process. Please be aware that some issues may eventually require a visit to the dealership service department to be resolved.

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Stay Connected: Pay Your NCRO Membership Dues for 2024-2025

by Pete Piccinato

2025 CY Membership Dues

Reminder: Calendar Year 2025 Annual Dues (01-01-2025 through 12-31-2025) invoices were mailed at the beginning of November 2024. The $25 annual dues were to be paid by December 31, 2024. If you have already paid your 2025 Calendar Year Dues, you will not receive a dues notice. Second dues reminders were sent in March 2025 for those who haven’t paid their dues.

We also ask that you encourage your retiree friends who are not NCRO members to join our efforts by becoming members of NCRO.

Reminder to Check/Update Your Information for the NCRO

To ensure that NCRO can provide you with the latest communications, newsletters, benefits, and company ownership updates, please check and update your information in the NCRO database.

Regarding Membership Information in the NCRO Database:

There is no linkage between Stellantis and NCRO databases. If you update FCA with any changes to your home address, email address, or phone numbers, these changes do not get to NCRO. You need to update both Stellantis and NCRO separately.

  • Email Address: If you no longer have an email address, the only means for NCRO to provide you with written communications is through your mailing address. If it is not correct in the NCRO database, you will not receive any communications from NCRO. Please keep your address in the database current.
  • Snowbirds: Many of you may travel to a warmer climate for the winter months. We cannot keep two mailing addresses for you in our database. Please provide NCRO with one main mailing address to send NCRO communications.
  • Payment Addresses: All 2024 Calendar Year payment addresses will be reviewed and compared to what is in the NCRO database. If you are using the NCRO website to make payment for breakfast meetings or dues, please take the time to review your information in the database and correct it if required.
  • Caregiver Address: If you are living with a caregiver, please use the caregiver’s address in the database.

 

Please go to the “NCRO Members” tab and check to see that your correct address and/or email address is on file. It also may be incorrect in FCA’s database. So, update both NCRO and Stellantis with any changes in address and/or phone number. Make that update at https://fcabenefits.ehr.com. Click on My Profile and on View/Edit to see your current information and make any needed changes. If you have a problem updating your information in the NCRO database, please contact Pete Piccinato, and he will help to get it done. Pete’s email is: pp********@*****st.net

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AgingAging Information Committee BlogBlog

Is Losing Taste and Smell Just Part of Aging? What Retirees Should Know

by Dale Koch

As we age, many of us notice changes in our senses—especially taste and smell. A favorite meal might not seem as flavorful as it once was, or the aroma of fresh coffee might not be as strong. But is this loss of taste and smell a normal part of aging, or could it signal something more serious?

For members of the National Chrysler Retirement Organization, understanding these changes can help maintain a healthy and enjoyable lifestyle. Let’s explore what’s normal, what’s not, and what you can do about it.

How Taste and Smell Work Together

Taste and smell are closely linked. When we eat, our taste buds detect basic flavors like sweet, salty, sour, bitter, and umami (savory). Meanwhile, our sense of smell adds complexity—helping us distinguish between vanilla and chocolate, or rosemary and thyme.

As we age, both senses naturally decline, but significant loss can affect nutrition, safety, and quality of life.

Is It Normal to Lose Taste and Smell with Age?

Some decline is expected. Research shows:

  • Taste buds shrink and regenerate more slowly after age 50, reducing sensitivity.
  • The sense of smell weakens due to nerve endings and reduced mucus production in the nose.
  • By age 80, nearly 75% of adults have some measurable smell loss.

However, complete or sudden loss is not normal and should be checked by a doctor.

Common Causes Beyond Aging

While gradual decline happens, other factors can worsen taste and smell loss:

  1. Medications – Blood pressure drugs, antihistamines, and some antidepressants can dull senses.
  2. Smoking – Damages taste buds and nasal passages.
  3. Chronic conditions – Diabetes, Parkinson’s, Alzheimer’s, and sinus issues can contribute.
  4. Dental problems – Gum disease or ill-fitting dentures affect taste.
  5. COVID-19 & other illnesses – Viral infections sometimes cause prolonged smell/taste loss.

Why It Matters

Losing these senses isn’t just frustrating—it can impact health:

  • Reduced appetite leading to malnutrition or weight loss.
  • Overusing salt or sugar to compensate, worsening blood pressure or diabetes.
  • Missing danger signals like spoiled food, gas leaks, or smoke.

What You Can Do

While some loss is inevitable, these steps can help:

1. Enhance Flavors Naturally

  • Use herbs, spices, citrus, and umami-rich foods (tomatoes, mushrooms, aged cheese).
  • Try varying textures and temperatures to make meals more interesting.

2. Stay Hydrated

  • Dry mouth dulls taste—drink water and chew sugar-free gum to stimulate saliva.

3. Check Medications

  • Ask your doctor if any prescriptions could be affecting your senses.

4. Quit Smoking

  • Stopping smoking can gradually improve taste and smell.

5. Practice Smell Training

  • Sniff strong scents (like lemon, cloves, or eucalyptus) daily to help retrain the nose.

6. See a Specialist

  • An ENT (ear, nose, and throat doctor) or neurologist can check for underlying issues.

When to Seek Help

Consult a doctor if you experience:

✔ Sudden loss of taste/smell
✔ Persistent changes without a cold or allergy
✔ Accompanying symptoms like headaches, nasal congestion, or memory issues

The Bottom Line

Mild decline in taste and smell is a normal part of aging, but severe or rapid loss is not. By staying aware and making small adjustments, you can continue enjoying food, staying safe, and maintaining a high quality of life.

For more health tips and resources, stay connected with the Aging Committee of the National Chrysler Retirement Organization. We’re here to support you in living your best years!

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NCRO Leadership TeamThe NCRO

Leadership Team

by NCRO

NCRO Leadership Team

Lee Iacocca
In Memoriam – Lee Iacocca 1924–2019 Honorary Chairman
Charles Austin
Founder
40 years in Chrysler engineering, an EE degree & 2 masters, Engineering and Business.
Jay Kuhnie
President
Jay retired from Chrysler at the end of 2007 after 35 years of service.
Pete Piccinato
Vice President
Deb Morrissett
Vice President
Mike Cipponeri
Treasurer
Dana Oliver
General Counsel
She has been licensed to practice law since 1979. Prior to joining Chrysler, she taught at Wayne State University Law School and Wayne State University School of Business Administration.
Judy Shumaker-Holland
Counsel
Vicki Bonus
Secretary
Vicki Bonus Prout retired in mid-2007 after a 23-year career at Chrysler.
Howard Baron
Director
Howard retired in 2011 after providing financial support to most of Chrysler's operational organizations for 30 years. Since 2017, he has been a Member of NCRO's Insurance Committee.
Rich Brown
Chair of the Insurance Committee
Rich currently chairs the NCRO’s Insurance Committee. He retired from DaimlerChrysler at the end of 2005 after about 32 years of service
Terry Crockatt
Director
Terry started his 29 year automotive career at Ford in 1978 after serving 5 years in the Army. He spent 6 years there in various Product Development and Product Planning positions
John Glotzbach
Director
Rick Golpe
Director
Working with the dedicated people on the NCRO board and the enthusiastic volunteers for the purpose of advancing the causes affecting Chrysler retirees is both rewarding and educational.
Grainger Goodman
Director
Ted Gray
Director
Ted retired from Chrysler after 32 years all in Sales and Marketing. Ted began his career in 1975 in the Sales Division at the Chicago Zone Sales office
Pete Hollinshead
Director
Joe Huber
Director
Joe retired in 2000 after 32 years of service. He began his career in manufacturing at the Windsor Assembly Plant. Held numerous positions in Industrial, Resident, Process, Quality and Product Engineering.
John Kaiser
Director
John worked for Chrysler for 34 years retiring in February 2001. His entire career was in Finance beginning as a Budget Analyst at Warren Stamping in 1967.
Dale Koch
Director
Dale retired from Chrysler (FCA) in June of 2014, after 33 years of service. After graduating with a Bachelor’s Degree in Electrical Engineering from Michigan State, he started out in an R&D group in Highland Park Building 136 in 1978.
Kathleen S. Neal
Director
Integrated Health Care & Disability Fiat Chrysler Automobiles Kathleen S. Neal was appointed Director Integrated Health Care & Disability, Fiat Chrysler Automobiles, on March 1, 2009 and retired in March, 2019 .
Dave Slates
Director
Dave worked for Chrysler for 35 years in the Controller’s Department, supporting the manufacturing side of the business for most of his career
Chris Dyrda
Director Emeritus
Chris retired after a 35 year career with Chrysler where he worked in Vehicle Development as Manager of Vehicle Programs, Program Management, Defense,
Doran Samples
Director Emeritus –
Doran Samples retired in 1996 after a 38-year career at Chrysler. He received several degrees in Engineering and Business, including a degree from the Chrysler Institute.
Roy H. Sjoberg, Jr.
In Memoriam Director
Stan Hurst
In Memoriam – Director
Michael Kane
In Memoriam - Director
Ray Pasternak
In Memoriam – Director
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AgingAging Information Committee BlogBlogTravel

Smart Retirement Travel: Should You Use ATMs or Exchange Money Before Your Trip?

by Dale Koch

Traveling abroad is an exciting experience, but managing your money wisely can make or break your trip. One of the biggest questions retirees and travelers face is: Should I exchange currency before I leave, or should I rely on ATMs at my destination?

For members of the National Chrysler Retirement Organization (NCRO), making informed financial decisions is key to enjoying a stress-free retirement. Let’s break down the pros and cons of each option so you can decide what’s best for your next adventure.

Option 1: Exchanging Currency Before You Travel

Exchanging money before your trip means visiting a bank, credit union, or currency exchange service to get foreign cash in advance.

Pros:

✔ Convenience – You arrive with local currency, avoiding the hassle of finding an ATM right away.
✔ Budget Control – You know exactly how much you’ve converted, helping you stick to a spending plan.
✔ Avoid Airport Fees – Airport exchange kiosks often have poor rates; getting cash beforehand can save money.

Cons:

❌ Less Competitive Rates – Banks and exchange services may charge higher fees or offer worse rates than ATMs abroad.
❌ Risk of Loss or Theft – Carrying large amounts of cash makes you a target for pickpockets.
❌ Leftover Currency – If you don’t spend it all, you may lose money converting it back.

Best For:

  • Travelers visiting countries where cash is still king (like Japan or smaller towns in Europe).

  • Those who prefer having money ready upon arrival.


Option 2: Using ATMs Abroad

Withdrawing local currency from ATMs at your destination is often the most cost-effective method.

Pros:

✔ Better Exchange Rates – ATMs usually offer rates close to the interbank rate (the best available).
✔ Convenience – ATMs are widely available in most tourist destinations.
✔ Safety – You carry less cash at once, reducing theft risk.

Cons:

❌ ATM Fees – Your bank and the foreign ATM may charge withdrawal fees (though some banks reimburse these).
❌ Foreign Transaction Fees – Some banks charge an extra 1-3% per withdrawal.
❌ Potential Card Issues – Your card could be blocked if you don’t notify your bank of travel plans.

Best For:

  • Travelers visiting countries with strong banking systems (Europe, Australia, Canada).

  • Those who prefer not to carry large sums of cash.


Tips to Save Money on Foreign Currency

  1. Choose the Right Bank – Some banks (like Charles Schwab or Capital One) reimburse ATM fees and don’t charge foreign transaction fees.

  2. Avoid Dynamic Currency Conversion (DCC) – When using a card abroad, always choose to pay in the local currency, not USD, to avoid extra fees.

  3. Notify Your Bank – Prevent your card from being frozen by alerting your bank about your travel plans.

  4. Carry a Backup Card – Have a second debit or credit card in case one gets lost or blocked.

  5. Mix Both Methods – Exchange a small amount before leaving for immediate expenses, then use ATMs for the rest.

Notify your bank or credit card company before traveling!

One crucial step many travelers overlook is notifying their bank or credit card company before traveling. If your financial institution detects foreign transactions without prior notice, they may freeze your card for suspected fraud—leaving you without access to funds at a critical moment. A quick call or online alert to your bank can prevent this hassle. Most banks allow you to set travel notifications through their app or website, specifying your destination and travel dates. This simple precaution ensures smooth transactions abroad, so you can focus on enjoying your trip rather than resolving card issues.


Final Verdict: ATMs Usually Win

For most travelers, withdrawing cash from ATMs abroad is the smarter choice due to better exchange rates and convenience. However, having a small amount of local currency before arrival can ease stress, especially in cash-heavy destinations.

As an NCRO member, you’ve worked hard for your retirement—make sure your travel money strategy keeps more cash in your pocket for the experiences that matter!

Safe travels and happy adventures!

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AgingAging Information Committee BlogBlog

Aging Well: Knowing the Difference Between Normal Changes and Health Concerns

by Dale Koch
Aging is an inevitable and natural part of life, but understanding the changes your body goes through can make all the difference in maintaining your health, independence, and quality of life. While some shifts are simply part of growing older, others may signal underlying health issues that need attention.
 
As part of the National Chrysler Retiree Organization’s Aging Information Committee, we’re committed to helping you navigate these changes with confidence. By learning what’s considered normal—and what might require a closer look—you can stay proactive about your well-being, make informed decisions, and continue enjoying an active, fulfilling lifestyle. Let’s explore the key differences between typical age-related changes and potential red flags you shouldn’t ignore.
 

Normal Changes vs. Red Flags

✅ Normal: Occasional forgetfulness, like misplacing keys or briefly struggling to recall a name, is common. Mild slowing in processing speed is also typical.
 
🚩 Not Normal: Frequent memory lapses, confusion about time/place, difficulty completing familiar tasks, or personality changes could indicate dementia or other conditions.
 
Tip: Stay mentally active with puzzles, reading, or learning new skills. If memory issues interfere with daily life, see a doctor.
✅ Normal: Some stiffness in the morning, mild joint discomfort, or slightly reduced flexibility are expected.
 
🚩 Not Normal: Severe pain, swelling, or joint deformities could signal arthritis. Sudden balance problems or falls may indicate neurological or cardiovascular issues.
 
Tip: Regular low-impact exercise (walking, swimming) helps maintain mobility. Persistent pain should be evaluated.
✅ Normal: Needing reading glasses (presbyopia), slight hearing loss (especially high-pitched sounds), or mild cataracts are typical.
 
🚩 Not Normal: Sudden vision loss, dark spots, or extreme sensitivity to light may indicate serious eye conditions. Significant hearing loss or tinnitus (ringing in ears) should be checked.
 
Tip: Get annual vision and hearing exams. Early intervention can prevent further decline.
✅ Normal: Older adults may sleep lighter, wake earlier, or need slightly less sleep (6-7 hours).
 
🚩 Not Normal: Chronic insomnia, frequent nighttime urination, or excessive daytime fatigue could point to sleep apnea, diabetes, or other health issues.
 
Tip: Maintain a consistent sleep schedule and limit caffeine/alcohol before bed. Discuss persistent sleep problems with a doctor.
✅ Normal: A slower metabolism may lead to gradual weight gain if diet/exercise habits don’t adjust. Muscle mass naturally decreases (sarcopenia).
 
🚩 Not Normal: Sudden, unexplained weight loss could signal illness (e.g., thyroid issues, cancer, or depression).
 
Tip: Strength training helps preserve muscle. Report significant weight changes to your physician.
✅ Normal: Arteries stiffen slightly with age, possibly causing higher (but still manageable) blood pressure.
 
🚩 Not Normal: Chest pain, shortness of breath, or extreme fatigue with minimal activity may indicate heart disease.
 
Tip: Monitor blood pressure regularly. A heart-healthy diet and exercise are key.
 
✅ Normal: Occasional sadness or stress is part of life. Adjusting to retirement or life changes takes time.
 
🚩 Not Normal: Prolonged sadness, loss of interest in activities, or social withdrawal may signal depression.
 
Tip: Stay socially connected. Seek help if low moods persist.

Final Thoughts

Aging brings changes, but many can be managed with healthy habits and regular check-ups. Knowing what’s normal—and when to seek help—empowers you to live your best life.
 
The National Chrysler Retiree Organization’s Aging Information Committee is here to support you. Have questions or concerns? Reach out—we’re in this together!
 
 
 
Disclaimer: This blog is for informational purposes only. Always consult a healthcare professional for medical advice.
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BlogInsurance Committee BlogMedicare

Faster Approvals, Fewer Denials: Insurers Pledge to Improve Coverage Reviews

by Insurance Committee
For many retirees, navigating health insurance coverage can be a frustrating and time-consuming process. Delays in approvals, confusing denials, and excessive paperwork have long been pain points for policyholders—especially seniors who rely on timely medical care. However, recent announcements from major health insurers suggest that positive changes may be on the horizon.
 
In response to growing complaints and regulatory pressure, several leading insurance companies have pledged to streamline their prior authorization processes and improve transparency in coverage decisions. For Chrysler retirees and other seniors, these reforms could mean faster access to necessary treatments and fewer bureaucratic hurdles.
 

The Problem: Excessive Delays and Denials

Prior authorization—a process where insurers require pre-approval before covering certain medications, procedures, or treatments—has been a major source of frustration. While designed to control costs and prevent unnecessary care, the system often leads to:
  • Treatment delays – Patients, including those with chronic conditions, sometimes wait weeks for approvals.
  • Increased administrative burden – Doctors’ offices spend excessive time submitting paperwork and appealing denials.
  • Unexpected out-of-pocket costs – When claims are denied, retirees may face steep bills or forgo care altogether.
A 2022 report from the U.S. Department of Health and Human Services (HHS) found that Medicare Advantage plans denied over 2 million prior authorization requests in a single year—with many rejections later overturned on appeal.
 

Insurers’ Promises to Improve the System

Recognizing these challenges, major insurers—including UnitedHealthcare, Aetna, and Humana—have announced reforms aimed at reducing delays and improving patient experiences. Key changes include:
 
1. Faster Response Times
Some insurers are committing to shorter turnaround times for urgent and routine requests. For example:
  • 24-hour decisions for urgent care cases
  • 72-hour decisions for standard requests (down from the current 5-14 day average)
2. Reducing Unnecessary Prior Authorization Requirements
Certain insurers are eliminating prior authorization for common services, such as:
  • Routine imaging (e.g., MRIs, CT scans)
  • Physical therapy sessions
  • Select prescription medications
3. Increased Transparency
Patients and providers will have better access to:
  • Clearer denial explanations
  • Real-time status updates on authorization requests
  • Easier appeals processes
4. Greater Use of Technology
Automated systems and artificial intelligence (AI) are being tested to speed up approvals while reducing errors.
 

What Retirees Should Do Now

While these changes are promising, it may take time before all improvements are fully implemented. In the meantime, retirees can take proactive steps to minimize coverage hassles:
  1. Review Your Plan’s Rules – Understand which services require prior authorization.
  2. Keep Detailed Records – Save all correspondence with insurers and healthcare providers.
  3. Appeal Denials Promptly – Many rejections are overturned upon appeal.
  4. Stay Informed – Follow updates from Medicare, your insurer, and advocacy groups like the National Chrysler Retiree Organization.

The Bottom Line

Health insurers’ commitments to improving prior authorization are a step in the right direction. If implemented effectively, these changes could reduce stress for retirees and ensure quicker access to necessary care. However, vigilance is still key—hold insurers accountable, ask questions, and advocate for your healthcare rights.
 
For more updates on retiree healthcare benefits and advocacy efforts, stay connected with the National Chrysler Retiree Organization. Together, we can work toward a smoother, fairer healthcare system for all retirees.

A sample letter to write to medicare.gov on a denied claim.

Use this button to Copy and Paste the letter

[Your Name]
[Your Address]
[City, State, ZIP Code]
[Your Phone Number]
[Your Medicare Number]

[Date]

Medicare Appeals
Medicare - [Your Medicare Contractor’s Name, if known]
[Address, if available]

OR Submit online at: [Medicare.gov Appeals Page]

Subject: Appeal of Denied Claim – [Claim Number/Service Date]

Dear Medicare Appeals Department,

I am writing to formally appeal the denial of my claim for [briefly describe the service or item denied, e.g., "a knee MRI performed on [date] at [facility name]"]. The reason for denial stated was [quote the denial reason from your Medicare Summary Notice (MSN), e.g., "service deemed not medically necessary"]. However, I believe this decision was made in error for the following reasons:

1. Medical Necessity – My physician, [Dr. Name], determined this service was essential for diagnosing/treating my condition, [briefly explain, e.g., "chronic knee pain unresponsive to prior treatments"]. Attached is a supporting letter from my doctor.
2. Prior Authorization – [If applicable, mention if prior authorization was obtained or if the provider assured coverage.]
3. Medicare Coverage Rules – This service appears to meet Medicare’s coverage criteria under [cite policy if known, e.g., "Medicare Policy Manual Section XYZ"].
4.Enclosed Documentation (copies, not originals):

*Medicare Summary Notice (MSN) showing the denial
*Doctor’s letter/medical records supporting necessity
*Any prior authorization or referral forms
*Other relevant correspondence

I respectfully request a redetermination of this claim and ask that you reconsider your decision. Please contact me at [your phone number] if additional information is needed. I appreciate your prompt attention to this matter.

Sincerely,

[Your Signature]

[Your Printed Name]

Use this button to Copy and Paste the letter

[Your Name]
[Your Address]
[City, State, ZIP Code]
[Your Phone Number]
[Your Medicare Number]

[Date]

Medicare Appeals
Medicare - [Your Medicare Contractor’s Name, if known]
[Address, if available]

OR Submit online at: [Medicare.gov Appeals Page]

Subject: Appeal of Denied Claim – [Claim Number/Service Date]

Dear Medicare Appeals Department,

I am writing to formally appeal the denial of my claim for [briefly describe the service or item denied, e.g., "a knee MRI performed on [date] at [facility name]"]. The reason for denial stated was [quote the denial reason from your Medicare Summary Notice (MSN), e.g., "service deemed not medically necessary"]. However, I believe this decision was made in error for the following reasons:

1. Medical Necessity – My physician, [Dr. Name], determined this service was essential for diagnosing/treating my condition, [briefly explain, e.g., "chronic knee pain unresponsive to prior treatments"]. Attached is a supporting letter from my doctor.
2. Prior Authorization – [If applicable, mention if prior authorization was obtained or if the provider assured coverage.]
3. Medicare Coverage Rules – This service appears to meet Medicare’s coverage criteria under [cite policy if known, e.g., "Medicare Policy Manual Section XYZ"].
4.Enclosed Documentation (copies, not originals):

*Medicare Summary Notice (MSN) showing the denial
*Doctor’s letter/medical records supporting necessity
*Any prior authorization or referral forms
*Other relevant correspondence

I respectfully request a redetermination of this claim and ask that you reconsider your decision. Please contact me at [your phone number] if additional information is needed. I appreciate your prompt attention to this matter.

Sincerely,

[Your Signature]

[Your Printed Name]

Notes:

  • Deadline: You must file this appeal within 120 days of the denial date on your MSN.
  • Tracking: Send via certified mail (if submitting by mail) and keep copies of all documents.
  • Next Steps: If this appeal is denied, you have further appeal rights (reconsideration, hearing, etc.).
Need Help? Contact your State Health Insurance Assistance Program (SHIP) at 1-877-839-2675 or www.shiphelp.org.
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