Useful Links

Member Discounts & Helpful Links

by NCRO

Benefit links and information provided by Stellantis / FCA

NCRO Member Discounts and Services

NCRO Member Preferred Web Sites

Government Agencies

Department of Labor

Filing a Charge of Employment Discrimination

Senior’s Rights and Benefits

Seniors, be sure to use the link above to "Check Your Benefits"!

BenefitsCheckUp® connects millions of older adults and people with disabilities with benefits programs that can help pay for health care, medicine, food, utilities, and more. See what's available in your area by entering your ZIP code when prompted.
9.2K views
0 FacebookLinkedinCopy LinkEmail
AgingAging Information Committee BlogBlog

The New Retirement Frontier: Why West Virginia and New Mexico Are Gaining Ground for Aging Seniors

by Dale Koch
For decades, Florida has reigned supreme as the premier retirement destination: warm weather, no income tax, and a deep infrastructure geared to retirees. But today, a striking shift is underway. Retirees are increasingly turning away from the Sunshine State, drawn instead to lesser-known locales that offer affordability, quality of life, and vibrant community life. Two standouts are West Virginia and New Mexico—each offering unique benefits that challenge conventional retirement wisdom.
 
1. West Virginia: Serene, Affordable, and Culturally Rich
Charleston, West Virginia’s capital, is quietly emerging as an unexpected retirement haven. Nestled in the scenic Appalachian Mountains, Charleston brings together affordability, access to health care, and cultural depth. According to FinanceBuzz, it “offers scenic mountain living with big‑city conveniences” like arts, dining, and outdoor recreation—all at housing costs among the lowest in the South forbes.com+15financebuzz.com+15mypocket.news+15.
 
Notably, West Virginia plans to phase out taxes on Social Security income by 2026, making it financially favorable for seniors financebuzz.com. Combined with the tranquil environment and strong community networks found in small to mid‑size towns, this trajectory has already led to demographic growth and boosts to local services tailored for seniors.
Veterans and retirees benefit from proximity to VA facilities, and the region’s mild four‑season climate invites a slower pace along rivers, forests, and gentle mountain trails. Unlike the competitive real estate in Florida, Charleston and its surroundings remain accessible, allowing retirees to age in place with dignity and comfort.
 
2. New Mexico: Historic Charm, Low Costs, and Rich Culture
New Mexico is attracting retirees with its cultural cachet, dry climate, and cost efficiency. According to Nasdaq, the state ranks among the top retirement destinations receiving growing interest for 2025—alongside Arizona and North Carolina. Forbes highlights cities like Santa Fe and Las Cruces as “unexpected hot spots,” combining affordability with cultural amenities nypost.com+8forbes.com+8patch.com+8.
 
In particular, Las Vegas, New Mexico, stands out. As Investopedia notes, this small town offers a median home price well below the national average—with stunning historic architecture, nearby national forests, and a tight‑knit community atmosphere that supports active aging investopedia.com. Santa Fe also scores high on walkability, arts scenes, and health care density—appealing features for those seeking purposeful, connected lives beyond their careers.
 
New Mexico’s desert climate is another plus—its low humidity can ease arthritis symptoms and generally support healthier living. With no additional tax burdens on Social Security or most pension income, retirees can optimize their financial resources while enjoying accessible cultural experiences, from Native American art to local cuisine and outdoor adventuring.
 
Why These States Are Gaining Ground Over Florida
  1. Escalating Costs and Crowding in Florida
    While Florida remains popular, rising housing costs, natural disaster risks, and increasing congestion are driving retirees elsewhere kiplinger.com+15kiplinger.com+15nasdaq.com+15 investopedia.com+4businessinsider.com+4thisismoney.co.uk+4 people.com+1thisismoney.co.uk+1.
  2. Tax Friendliness and Financial Freedom
    Both West Virginia and New Mexico offer robust tax incentives—from retirement income exemptions to low property taxes—enhancing retirees’ standard of living on fixed incomes.
  3. Healthcare & Community Accessibility
    Access to primary care, VA facilities, and slower‑paced yet culturally vibrant communities make both destinations favorable for aging in place.
  4. Lifestyle & Connection
    In West Virginia, retirees enjoy the serene support of Appalachian small towns, while New Mexico offers cultural immersion amid scenic landscapes—neither overstimulating nor isolating.
 
Top 10 Benefits of Retiring in West Virginia and New Mexico
  1. Low Cost of Living
    Both states offer significantly lower housing and everyday living expenses compared to national averages—ideal for seniors on fixed incomes.
  2. Improving Tax Benefits for Retirees
    • West Virginia is phasing out state taxes on Social Security income.
    • New Mexico has expanded exemptions for seniors on retirement income, including pensions and IRAs.
  3. Access to Quality Healthcare
    Both states feature respected hospital networks and are investing in expanding rural healthcare access. Santa Fe and Charleston offer excellent medical facilities for seniors.
  4. Mild, Manageable Climates
    • West Virginia has four distinct but gentle seasons, without Florida’s hurricane threats.
    • New Mexico offers dry, low-humidity air that can benefit those with respiratory or joint issues.
  5. Scenic Beauty and Outdoor Recreation
    From the Appalachian Mountains to the high deserts of the Southwest, these states encourage active lifestyles—walking trails, hiking, fishing, and birdwatching are all popular.
  6. Cultural and Historical Richness
    • New Mexico is a hub of Native American, Hispanic, and Anglo culture with arts festivals, cuisine, and traditional crafts.
    • West Virginia boasts strong Appalachian music, storytelling, and local fairs that foster community and belonging.
  7. Tight-Knit, Supportive Communities
    Smaller towns in both states provide a slower pace of life, low crime rates, and stronger neighborly connections—helpful for seniors seeking social ties and peace of mind.
  8. Affordable, Accessible Housing
    Whether buying or renting, seniors can find charming homes well below national market prices, many with walkable access to shops, healthcare, and churches.
  9. Growing Senior-Friendly Infrastructure
    Local governments and nonprofits are increasingly offering services like public transport, meal programs, and senior centers in both urban and rural areas.
  10. Less Congestion, More Tranquility
    Unlike crowded, fast-growing retiree hubs like Florida, both states offer quieter living with less traffic, noise, and overdevelopment—perfect for a peaceful retirement.
01
Content Generated with AI...

...with Edits and Modifications

At NCRO, we are proud to uphold the highest standards of accuracy and quality in all our content. Our articles are meticulously crafted by advanced AI technology, rigorously reviewed, and approved by our dedicated NCRO committees before being shared on our website. This thorough process ensures that our readers receive reliable and credible information they can trust.
1.5K views
2 FacebookLinkedinCopy LinkEmail
Pension

Pension and Non-Health Care Benefits

by NCRO

 

PENSIONS:

  • Non-Health Care Benefits
  • Mailing Address:
    Benefits Express
    Dept FCA
    PO Box 981910
    ElPaso TX 79998
  • Telephone: (888) 409-3300

If You Have a Question

If you have any questions you can reach us by email at: nc*********@**ro.org

Send Email

Feel Free to Leave a Comment:

13.9K views
1 FacebookLinkedinCopy LinkEmail

💔 Anonymous Talk: Hard Decisions in Dementia Caregiving

by Dale Koch

Dementia caregiving is full of hard moments no one prepares you for—decisions that weigh on you, freedoms that quietly disappear, and the ongoing battle between needing help and feeling like you should do it all yourself.

The AIC wants to recommend these upcoming Anonymous Talks for you to join since they cover common things a dementia caregiver experiences.

Every session is guided by a Trualta Care Educator (that’s me!) and doesn’t require your camera or your microphone to be on. Chatbox communication only!

Here’s what we recommend for you:

💔 Anonymous Talk: Hard Decisions in Dementia Caregiving
Tuesday, June 3, 2025
12:00-1:00pm ET | 9:00–10:00am PT
What choices have you had to make that you wish you never had to face?

In this group, we’ll talk about the moments that keep you up at night—like taking away the car keys, starting hospice, or telling a hard truth.

👉 Click here to register for June 3

961 views
0 FacebookLinkedinCopy LinkEmail

🕊️ Anonymous Talk: The Loss of Freedom

by Dale Koch

Dementia caregiving is full of hard moments no one prepares you for—decisions that weigh on you, freedoms that quietly disappear, and the ongoing battle between needing help and feeling like you should do it all yourself.

The AIC wants to recommend these upcoming Anonymous Talks for you to join since they cover common things a dementia caregiver experiences.

Every session is guided by a Trualta Care Educator (that’s me!) and doesn’t require your camera or your microphone to be on. Chatbox communication only!

Here’s what we recommend for you:🕊️

Anonymous Talk: The Loss of Freedom
Friday, June 6, 2025
12:00-1:00pm ET | 9:00–10:00am PT
The freedom to leave the house. To rest. To say no.

This session is about naming the freedoms we’ve lost—and finding the ones we might still reclaim, even in small and surprising ways.

👉 Click here to register for June 6

 

1K views
0 FacebookLinkedinCopy LinkEmail

🤝 Anonymous Talk: Finding & Accepting Help

by Dale Koch

Dementia caregiving is full of hard moments no one prepares you for—decisions that weigh on you, freedoms that quietly disappear, and the ongoing battle between needing help and feeling like you should do it all yourself.

The AIC wants to recommend these upcoming Anonymous Talks for you to join since they cover common things a dementia caregiver experiences.

Every session is guided by a Trualta Care Educator (that’s me!) and doesn’t require your camera or your microphone to be on. Chatbox communication only!

Here’s what we recommend for you:

🤝 Anonymous Talk: Finding & Accepting Help
Tuesday, June 10, 2025
12:00-1:00pm ET| 9:00–10:00am PT
Who do you turn to when you’re the one everyone else relies on?

Let’s talk about why asking for help is hard—and how accepting it can actually be one of the bravest things we do.

👉 Click here to register for June 10

 

972 views
0 FacebookLinkedinCopy LinkEmail
DealersMembersResourcesUseful Links

NCRO Retiree Friendly Dealers

by NCRO

Retiree Friendly Dealer (RFD) Information

PREFERED LOCATIONS:

Golling Fiat Birmingham

Contact:

Golling Bloomfield Hills:

Contact:

Chelsea Golling:

Contact:

Rochester Hills Chrysler Jeep Dodge:

Contacts:

Roseville:

Golling Chrysler Dodge Jeep Ram of Roseville
Your Golling Roseville RFD

Contacts:

Jim Riehl Warren:

Contact:

Grosse Pointe:

Contact:

 
11.6K views
0 FacebookLinkedinCopy LinkEmail
AgingAging Information Committee BlogBlog

Protecting Your Digital Life: Essential Cybersecurity Tips for Retirees

by Dale Koch

Protecting Your Digital Life: Essential Cybersecurity Tips for Retirees

As valued members of the National Chrysler Retiree Organization, your online safety is our priority. In today’s connected world, retirees are increasingly targeted by sophisticated digital scams. This comprehensive guide covers six major threats you should know about, plus actionable steps to secure your devices and accounts.

6 Digital Threats Every Retiree Should Know

  1. Phishing Scams
    Fraudsters impersonate banks, family members, or former employers to steal login credentials. They often create urgency with messages like “Your account is locked!”
  2. Fake Giveaways & Contests
    Too-good-to-be-true offers promise prizes but require personal information or payments to “claim” them.
  3. Impostor Accounts
    Scammers create fake profiles of people you know, then message you with urgent financial requests.
  4. Romance Scams
    Criminals build online relationships, then fabricate emergencies to solicit money.
  5. Malware & Fake Links
    Disguised as shocking videos or important alerts, these install harmful software when clicked.
  6. Browser-Based Email Hacking
    Hackers target email accounts through:
    • Fake login pages that steal passwords
    • Malicious browser extensions
    • Session hijacking on public computers

Smartphone Protection Guide

General Tips for All Devices

  • Update Software Regularly: Enable automatic updates to patch security vulnerabilities.
  • Use Strong Passwords: Combine letters, numbers, and symbols. Avoid reusing passwords—consider a password manager.
  • Enable Two-Factor Authentication (2FA): Adds an extra layer of security for accounts like email or Facebook.
  • Avoid Public Wi-Fi: Hackers can intercept data on unsecured networks. Use a VPN if necessary.

Android-Specific Steps

  1. Restrict App Permissions: Go to Settings > Apps > Privacy to disable unnecessary access (e.g., location, microphone).
  2. Install Apps from Google Play Only: Avoid third-party stores. Enable Google Play Protect (Settings > Biometrics and Security) to scan for malware.
  3. Block Unknown Sources: Under Settings > Biometrics and Security > Install unknown apps, disable “Install unknown apps” to prevent malicious downloads.

iOS-Specific Steps

  1. Review App Tracking: Navigate to Settings > Privacy & Security > Tracking to limit ad tracking.
  2. Enable Find My iPhone: Activate in Settings > Tap on [Your Name] > Find My to remotely wipe data if your device is lost.
  3. Download from App Store Only: iOS restricts non-App Store downloads, reducing malware risks.

Stay Vigilant

  • Never share personal details (SSN, bank info) via social media.
  • Report scams to platforms like Facebook or the FTC.

Email Security Essentials

  • Always verify website URLs before logging in (look for “https://”)
  • Never save passwords in your browser
  • Clear cache/cookies regularly
  • Watch for phishing emails with urgent requests
  • Use a VPN on public networks

If Hacked:

  1. Change passwords immediately
  2. Check for unauthorized email forwarding rules
  3. Run antivirus scans
  4. Alert your contacts about potential spam

Stay Safe Online

Cyber threats constantly evolve, but knowledge is your best defense. Bookmark this guide, share it with friends, and always:

  • Think before clicking
  • Verify suspicious messages
  • Keep software updated
  • When in doubt, ask a tech-savvy family member

Disclaimer: Settings may vary by device model and software version. For device-specific guidance, consult official support resources. The NCRO is not responsible for individual security outcomes.

Stay informed, stay secure – because your safety matters to us!

01
Content Generated with AI...

...with Edits and Modifications

At NCRO, we are proud to uphold the highest standards of accuracy and quality in all our content. Our articles are meticulously crafted by advanced AI technology, rigorously reviewed, and approved by our dedicated NCRO committees before being shared on our website. This thorough process ensures that our readers receive reliable and credible information they can trust.
1.8K views
2 FacebookLinkedinCopy LinkEmail

NCRO Breakfast Meeting | Tuesday – May 20, 2025 with John McElroy

by NCRO

NCRO Breakfast | Tuesday – Meeting May 20, 2025 with John McElroy – “Do We Want an American Auto Industry, or Not?”

John McElroy is an influential thought leader in the automotive industry. He is a journalist, lecturer, commentator and entrepreneur. He created “Autoline Daily,” the first industry webcast of industry news and analysis. He is also the host of the television program “Autoline This Week,” an Emmy Award-winning, weekly half-hour discussion program featuring top automotive executives and journalists. And he co-hosts “Autoline After Hours,” a weekly live webcast that focuses on new cars and technology. The show can be seen online at www.Autoline.tv

DOWNLOAD:

Where: San Marino Club
Time: 10:00 a.m. to 12:00 p.m.
Doors Open at 9:30 a.m.

Agenda 

  • 10:00 AM Family style breakfast with Cheese Egg Frittata, Fancy Potatoes, Sausage, fresh fruit, biscuits, and beverages
  • 10:30 – 11:00 NCRO News and Information
  • 11:00 – 11:30 Keynote Speaker: John McElroy “Do We Want an American Auto Industry, or Not?”
  • 11:30 – 12:00 Q & A
  • 12:00 – 12:15 Adjourn

Cost: 

PURCHASE TICKETS SEE BELOW: Cost: $15 for members – $15 for spouse – $31 for non-members.
Payment is in advance on a first come first serve basis.  

To reserve a seat, payment must be received by May 16th, 2025. 

If you want to pay by check:  |  Make the check payable to NCRO and mail it to: 

Dave Poxon
4725 Schilly Ct., Gladwin, MI 48624
Telephone: (248) 207-2955
(For issues or questions only. Please leave a message and we will return your call. No need to call for confirmation.)

All payments are non-refundable unless for medical reasons on the day of the event. Please do NOT include payment for anything else. Of course, if you are sick the morning of the event, we will offer refunds for those who cannot attend. Just call Dave and ask for the return of your check or a refund of your PayPal charge.

To attend our online webinar. Click on the link below to sign up for the webinar.

https://attendee.gotowebinar.com/register/2878991379922764895

1.9K views
0 FacebookLinkedinCopy LinkEmail
AgingAging Information Committee BlogBlog

How to Find and Use Fitness Apps That Fit All Ability Levels

by Dale Koch

For Chrysler retirees and individuals of all ability levels, staying active is essential for maintaining health, mobility, and overall well-being. Fortunately, fitness apps can provide personalized workouts, track progress, and offer modifications for different fitness levels—whether you’re just starting out, managing a chronic condition, or looking for low-impact exercises.

In this guide, the NCRO IT Team will walk you through how to find and use fitness apps that cater to all abilities, ensuring you stay active safely and effectively.

1. Identifying the Right Fitness App for Your Needs

Not all fitness apps are created equal. Some are designed for high-intensity workouts, while others focus on gentle movement, rehabilitation, or senior-friendly exercises. Here’s what to look for:

Key Features to Consider:

  • Adaptability: Does the app offer modifications for different fitness levels?

  • Low-Impact Options: Are there seated workouts, chair yoga, or water-based exercises?

  • Health Condition Support: Does it accommodate arthritis, joint pain, or mobility limitations?

  • User-Friendly Interface: Is the app easy to navigate, with clear instructions?

  • Progress Tracking: Can you log workouts, monitor steps, or track improvements?

Recommended Apps for All Abilities:

  • SilverSneakers GO (Free for eligible users) – Designed for older adults, with guided workouts.

  • MyFitnessPal – Tracks nutrition and exercise, useful for weight management.

  • Nike Training Club – Offers beginner to advanced workouts with modifications.

  • Down Dog (Yoga, HIIT, Barre) – Customizable intensity and focus areas.

  • Zombies, Run! – A fun walking/jogging app with storytelling elements.

2. How to Set Up a Fitness App for Your Ability Level

Once you’ve chosen an app, follow these steps to personalize it for your needs:

Step 1: Input Your Health & Fitness Level

Most apps ask about your:

  • Age

  • Weight (optional)

  • Activity level (sedentary, moderately active, very active)

  • Any injuries or limitations

Pro Tip: Be honest about your starting point to avoid overexertion.

Step 2: Choose the Right Workout Type

Look for categories like:

  • Beginner-friendly

  • Seated exercises

  • Stretching & mobility

  • Walking programs

  • Balance & fall prevention

Step 3: Adjust Settings for Safety

  • Enable low-impact alternatives if available.

  • Set reminders for movement breaks if you sit for long periods.

  • Use audio cues if visual instructions are hard to follow.

3. Making the Most of Your Fitness App

Start Slow & Listen to Your Body

  • Begin with 5–10-minute sessions and gradually increase duration.

  • If an exercise feels uncomfortable, pause or modify it.

Combine Different Activities

  • Mix strength, flexibility, and cardio for balanced fitness.

  • Example: Monday (Walking), Wednesday (Yoga), Friday (Light Weights).

Track Progress & Celebrate Small Wins

  • Use the app’s progress charts to see improvements.

  • Reward yourself for consistency—even small efforts count!

4. Additional Tips for Retirees & Seniors

  • Consult Your Doctor: Before starting a new fitness routine, check with your physician.

  • Stay Hydrated: Keep water nearby during workouts.

  • Exercise with Friends: Some apps allow group challenges or virtual classes.

  • Use Wearable Devices: Pair your app with a Fitbit or Apple Watch for step tracking.

Final Thoughts

Fitness apps can be powerful tools for Chrysler retirees and individuals of all ability levels to stay active, healthy, and engaged. By choosing the right app, customizing it to your needs, and progressing at your own pace, you can enjoy the benefits of movement without strain or frustration.

The NCRO IT Team encourages you to explore these apps and find one that fits your lifestyle. Have questions about downloading or setting up a fitness app? Reach out to us—we’re here to help!

Stay active, stay healthy, and keep moving!

ALSO READ:

Members Staying Active: Exercise Routines for Seniors – The National Chrysler Retirement Organization (NCRO)

2.4K views
2 FacebookLinkedinCopy LinkEmail
Newer Posts
Older Posts
National Chrysler Retirement Organization
©2022 – National Chrysler Retirement Organization (NCRO) | All Right Reserved

This website uses cookies to improve your experience. We'll assume you're ok with this, but you can opt-out if you wish. Accept Read More