AgingAging Information Committee BlogBlog

How Aging Impacts Sleep and Tips for Better Rest

by Dale Koch

For retirees and older adults, understanding these changes is key to improving sleep quality and overall well-being. The National Chrysler Retirement Organization’s Aging Information Committee is here to help you navigate these shifts and provide practical tips for better rest.

How Aging Affects Sleep

Several factors contribute to sleep changes as we grow older, including:

1. Altered Sleep Architecture

  • Older adults spend less time in deep sleep (slow-wave sleep) and REM sleep, which are crucial for memory, restoration, and mood regulation.
  • More time is spent in lighter sleep stages, making it easier to wake up during the night.

2. Changes in Circadian Rhythm

  • The body’s internal clock shifts, causing many seniors to feel sleepy earlier in the evening and wake up earlier in the morning.
  • Reduced exposure to natural light and decreased activity levels can further disrupt sleep-wake cycles.

3. Increased Sleep Disorders

  • Conditions like insomnia, sleep apnea, and restless legs syndrome (RLS) become more common with age.
  • Chronic pain, arthritis, and medications can also interfere with restful sleep.

4. Hormonal Changes

  • Declining levels of melatonin (the sleep hormone) make it harder to fall and stay asleep.

Tips for Better Sleep as You Age

While some sleep changes are inevitable, adopting healthy habits can significantly improve sleep quality. Here are evidence-based strategies to help you rest better:

1. Stick to a Consistent Sleep Schedule

  • Go to bed and wake up at the same time every day, even on weekends.
  • A regular routine helps regulate your body’s internal clock.

2. Optimize Your Sleep Environment

  • Keep your bedroom cool, dark, and quiet (around 65°F is ideal).
  • Invest in a comfortable mattress and pillows that support your body.
  • Consider using blackout curtains, white noise machines, or earplugs if needed.

3. Limit Daytime Naps

  • If you nap, keep it short (20-30 minutes) and avoid late-afternoon naps.

4. Stay Active During the Day

  • Regular exercise (such as walking, swimming, or yoga) promotes deeper sleep.
  • Avoid vigorous activity close to bedtime, as it can be stimulating.

5. Watch Your Diet and Hydration

  • Avoid caffeine, alcohol, and heavy meals before bed.
  • Limit fluids in the evening to reduce nighttime bathroom trips.

6. Manage Stress and Relax Before Bed

  • Practice deep breathing, meditation, or gentle stretching to unwind.
  • Try reading a book or listening to calming music instead of screen time.

7. Get Sunlight Exposure

  • Spend time outdoors in natural light, especially in the morning, to help regulate your circadian rhythm.

8. Talk to Your Doctor About Sleep Issues

  • If you snore loudly, gasp for air, or experience excessive daytime sleepiness, you may have sleep apnea and should seek medical advice.
  • Review medications with your doctor, as some can interfere with sleep.

Conclusion

Aging may change how we sleep, but that doesn’t mean you have to accept poor rest. By understanding these shifts and adopting healthy sleep habits, you can enjoy more restful nights and energized days.

The National Chrysler Retirement Organization’s Aging Information Committee is dedicated to helping retirees live healthier, happier lives. For more resources on aging well, visit our website or contact us today!

Did you find these tips helpful? Share this article with fellow retirees to help them sleep better too!

By following these guidelines, retirees can take proactive steps toward better sleep and enhanced quality of life. Sweet dreams! 🌙

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BlogInsuranceInsurance Committee Blog

Why Dental and Vision Coverage May Matter for You as a Retiree

by Insurance Committee

If you are a retiree under age 65, you may still have these coverages in the FCA plan.  But, if you are age 65+ or otherwise do not have these coverages, this information is for you

For some retirees, the premium cost of these coverages, plus the plans’ copays and deductibles, do not make having coverages a good decision.  Do your own math and make the decisions that fit you best.  

Whether or not you have any insurance coverage, some of the information below will be of help for you.  

  1. 1. Oral Health is Overall Health

Dental care isn’t just about keeping a bright smile. Poor oral health has been linked to serious conditions such as heart disease, diabetes, and even cognitive decline. Regular check-ups, cleanings, and early treatment for dental issues can prevent more severe (and expensive) problems down the road.

  1. Vision Care is More Than Just Getting Glasses

Our eyesight naturally changes as we age, increasing the risk of medical conditions like glaucoma, cataracts, and macular degeneration. Annual eye exams not only ensure that you have the right prescription for your glasses or contact lenses but also detect early signs of serious eye diseases.

Making the Most of Your Supplemental Health Coverage

  1. 1. Understand Your Plan

Not all plans offer the same benefits. Take the time to review what’s covered under your Medicare Advantage Plan or supplemental insurance. Look for details on:

  • Preventive care coverage (exams, cleanings, x-rays)
  • Major dental procedures (crowns, dentures, implants)
  • Eyeglasses and contact lens allowances
  • Coverage for specialists and surgical procedures (these may be under your medical plan)
  1. Take Advantage of Preventive Care

Many plans fully or mostly cover annual exams, basic cleanings, and routine eye tests. Don’t skip these visits—they are your first line of defense against bigger health issues.

  1. Use Your Benefits Before They Expire

Many of these plans operate on an annual basis, meaning if you don’t use your full benefits and maximum allowances, you lose them. Schedule appointments early and make use of covered services before the end of the year.

  1. Ask About Discounts and Provider Networks

Some plans offer discounts if you visit in-network providers. Before booking your next appointment, check with your insurer to see if you can save by choosing your own or even by going to another specific dentist or optometrist.

  1. Consider Additional Coverage if Needed

If your current plan doesn’t cover everything you need, explore additional dental and vision insurance options. Some standalone plans or discount programs can help reduce out-of-pocket expenses.

Final Thoughts

Dental and Vision care are essential to maintain overall health and quality of life in retirement, even if you have no supplemental health coverage. If you do have these coverages, stay informed and make the most of them, so you can save money, prevent serious health issues, and ensure peace of mind as you enjoy your retirement years.

Don’t wait until a problem arises—schedule those checkups today and protect your health for the future!

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AgingAging Information Committee BlogBlog

Nutrition for Healthy Aging: Eating Right in Retirement

by Dale Koch

As we age, our nutritional needs change, and eating a well-balanced diet becomes more important than ever. Maintaining good nutrition can enhance energy levels, strengthen the immune system, and reduce the risk of chronic diseases such as heart disease, osteoporosis, and diabetes. For retirees, meal planning and thoughtful dietary choices can contribute to a longer, healthier, and more active life.

The Importance of Nutrition in Aging

Aging brings natural physiological changes, such as a slower metabolism, changes in taste and smell, and a decrease in muscle mass. These changes can affect appetite and nutrient absorption, making it essential to focus on nutrient-dense foods.

Key nutritional concerns for older adults include:

  • Adequate Protein Intake: Helps maintain muscle mass and strength.
  • Calcium and Vitamin D: Essential for bone health and preventing osteoporosis.
  • Fiber: Supports digestive health and prevents constipation.
  • Healthy Fats: Beneficial for brain function and heart health.
  • Hydration: Reduces the risk of dehydration and supports overall bodily functions.

Meal Planning Tips for Seniors

1. Prioritize Whole Foods

Opt for whole, minimally processed foods like fruits, vegetables, whole grains, lean proteins, and healthy fats. Fresh, colorful produce provides vitamins, minerals, and antioxidants that support overall health.

2. Plan Balanced Meals

A well-balanced meal includes:

  • A protein source (e.g., eggs, fish, chicken, tofu, beans)
  • A fiber-rich carbohydrate (e.g., whole grains, legumes, fruits, and vegetables)
  • A healthy fat (e.g., olive oil, nuts, avocados)

3. Simplify Meal Preparation

Cooking doesn’t have to be complicated. Batch cooking and freezing portions can make it easier to maintain healthy eating habits. Easy-to-prepare options like pre-cut vegetables, canned beans, and rotisserie chicken can save time while providing essential nutrients.

4. Monitor Portion Sizes

As metabolism slows with age, portion control is important to prevent unintentional weight gain. Using smaller plates and measuring portions can help manage intake.

5. Stay Hydrated

Dehydration is a common issue among older adults. Drinking water throughout the day and including hydrating foods like soups, fruits, and vegetables can help maintain hydration levels.

Dietary Adjustments for Common Health Concerns

Heart Health

  • Focus on omega-3 fatty acids from fish, flaxseeds, and walnuts.
  • Reduce sodium intake by choosing fresh foods over processed ones.
  • Incorporate fiber-rich foods to help lower cholesterol levels.

Bone Health

  • Ensure adequate calcium intake through dairy, fortified plant-based milk, leafy greens, and almonds.
  • Get enough vitamin D from fortified foods, sunlight exposure, or supplements as recommended by a healthcare provider.

Digestive Health

  • Eat high-fiber foods such as beans, oats, and berries.
  • Drink plenty of fluids to prevent constipation.
  • Include probiotic-rich foods like yogurt and fermented vegetables to support gut health.

Cognitive Health

  • Incorporate brain-boosting foods such as blueberries, leafy greens, nuts, and fish.
  • Limit processed foods and added sugars, which can contribute to cognitive decline.

Making Nutrition Enjoyable

Cook and Dine with Others

Sharing meals with family and friends makes eating more enjoyable and helps prevent social isolation, which can impact mental and emotional health.

Try New Recipes

Experimenting with different herbs, spices, and cuisines can add variety to meals and make healthy eating more exciting.

Listen to Your Body

Eating should be enjoyable and nourishing. Paying attention to hunger and fullness cues can help maintain a healthy relationship with food.

Maintaining a nutritious diet in retirement is one of the best ways to support overall well-being. By focusing on whole foods, balanced meals, and proper hydration, retirees can enjoy an active and fulfilling lifestyle for years to come.

Stay Healthy, Stay Active, and Eat Well!

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AgingAging Information Committee BlogBlog

Building a Support System: Resources for Caregivers and Seniors

by Dale Koch

Caring for a loved one is rewarding yet challenging. Building a Support System: Resources for Caregivers and Seniors connects you to essential tools and services, making the journey easier for both caregivers and seniors.

Building a strong support system becomes vital for maintaining health, well-being, and independence. Whether you are a caregiver or an aging adult seeking resources, understanding what local and national organizations are available can make a significant difference. Here are some key resources to explore:

National Resources for Caregivers and Seniors

  1. AARP (American Association of Retired Persons)

    • Website: www.aarp.org
      AARP offers extensive resources for seniors and caregivers, including guides on financial planning, healthcare, and local community connections.

  2. The National Council on Aging (NCOA)

    • Website: www.ncoa.org
      The NCOA helps seniors find benefits, programs, and services. They offer educational materials on aging well, Medicare assistance, and caregiver guidance.

  3. Alzheimer’s Association

    • Website: www.alz.org
      This organization offers invaluable resources for families dealing with Alzheimer’s and dementia. Their 24/7 helpline and support groups provide emotional and educational support.

  4. Eldercare Locator

    • Website: eldercare.acl.gov
      This federal service connects seniors and caregivers to local support services, from transportation assistance to home-delivered meals.

  5. Family Caregiver Alliance (FCA)

    • Website: www.caregiver.org
      FCA provides resources, classes, and hotlines for caregivers looking for practical advice and emotional support.

Local Resources for Seniors and Caregivers

In addition to national organizations, local programs provide personalized support based on community needs. Consider these options:

  1. Area Agencies on Aging (AAA)

    • Found in most U.S. counties, these agencies connect seniors and caregivers to meal services, in-home care support, and transportation options.

  2. Local Senior Centers

    • Many communities have senior centers that offer fitness classes, social gatherings, and educational events tailored to older adults.

  3. Faith-Based Organizations

    • Churches, synagogues, mosques, and other places of worship often provide volunteer-driven programs that assist seniors with errands, transportation, and companionship.

  4. Non-Profit Volunteer Networks

    • Organizations like Meals on Wheels provide essential food delivery services to seniors living independently at home.

  5. Community Support Groups

    • Whether for specific conditions like Parkinson’s or for general caregiving support, local groups help people connect with others facing similar challenges.

Technology Tools to Support Caregivers and Seniors

In today’s digital world, technology offers excellent ways to stay organized and informed:

  1. CareZone

    • A mobile app that helps families manage medication schedules, doctor appointments, and medical information in one place.

  2. Medisafe

    • A medication reminder app that alerts users when it’s time to take their prescriptions.

  3. Papa

    • A service that connects seniors with “Papa Pals” who provide companionship, technology assistance, and light help at home.

  4. Nextdoor

    • This neighborhood social platform connects locals to share resources, arrange meetups, and offer assistance within the community.

Tips for Building a Strong Support System

  • Communicate Early and Often: Seniors and caregivers should discuss future needs before a crisis occurs.

  • Involve Trusted Family and Friends: Identify individuals who can provide different types of support—from transportation to emotional comfort.

  • Embrace Technology: Learning to use video calling, online grocery services, and telehealth can empower seniors to stay connected and independent.

  • Attend Local Events: Senior centers and libraries often host workshops where seniors and caregivers can meet others with shared experiences.

Final Thoughts

Caring for an aging loved one or planning for your own future can feel overwhelming, but no one has to navigate it alone. By utilizing national resources, tapping into local networks, and exploring technology solutions, caregivers and seniors can create a comprehensive support system that promotes independence, safety, and peace of mind.

Taking the first step toward building a strong support network today can make all the difference in ensuring comfort and well-being in the years to come

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AgingAging Information Committee BlogBlog

The Financial Side of Aging

by Dale Koch

For retirees and those approaching retirement, smart money management is essential for sustaining a fulfilling lifestyle. This means developing a financial strategy that balances spending with saving, while accounting for unexpected costs that may arise over time. Understanding your income sources, managing expenses, and preparing for healthcare costs can make the difference between financial stability and uncertainty.

Additionally, retirees must account for factors such as inflation, potential changes in living arrangements, and rising healthcare expenses. By adopting sound financial strategies, older adults can secure their long-term well-being. This guide offers key financial strategies for aging adults, including budgeting, estate planning, and ensuring long-term financial stability.

1. Planning for Longevity

One of the greatest financial challenges retirees face is outliving their savings. Advances in healthcare mean many seniors now enjoy longer lifespans, making it critical to stretch financial resources over potentially 20-30 years of retirement.

Steps to Plan for Longevity:

  • Assess Your Current Financial Status: Start by reviewing income sources such as Social Security, pensions, investments, and retirement accounts.

  • Calculate Your Expected Expenses: Factor in housing, healthcare, food, utilities, and discretionary spending for hobbies and travel.

  • Build a Sustainable Withdrawal Plan: The 4% rule is a common guideline, suggesting that retirees withdraw 4% of their retirement savings annually to minimize the risk of running out of funds.

  • Consider Delaying Social Security Benefits: Postponing benefits until age 70 can increase your monthly payout significantly.

2. Creating a Realistic Budget

Retirement budgeting differs from earlier financial planning because your income sources may be more fixed. A practical budget can help ensure your lifestyle is supported without overspending.

Steps to Budget Effectively:

  • List All Income Sources: Include Social Security, pension payments, dividends, rental income, and other cash inflows.

  • Track Fixed and Variable Expenses: Fixed costs include mortgage or rent, insurance, and utilities, while variable costs cover entertainment, dining out, and travel.

  • Prioritize Healthcare: Healthcare expenses often rise with age, so allocating a generous budget for medical needs is crucial.

  • Create an Emergency Fund: Aim for six months’ worth of living expenses in easily accessible savings for unexpected events.

3. Estate Planning for Peace of Mind

Estate planning is essential to protect your family and ensure your wishes are honored. A well-prepared estate plan helps minimize legal complications and taxes for your beneficiaries.

Essential Estate Planning Steps:

  • Draft a Will: A will outlines your asset distribution wishes and appoints an executor.

  • Establish a Trust: Trusts can help manage and protect assets, especially for heirs who may need guidance.

  • Assign Power of Attorney: Designate someone you trust to make financial and healthcare decisions if you become unable to do so.

  • Review Beneficiaries: Regularly update your beneficiaries on life insurance policies, retirement accounts, and investment accounts.

4. Ensuring Long-Term Financial Security

To maintain financial security throughout retirement, it’s essential to align your investment strategy with your evolving needs.

Investment Strategies for Retirees:

  • Diversify Your Portfolio: Balancing stocks, bonds, and cash reduces risk while maintaining growth potential.

  • Consider Annuities: Annuities can provide a guaranteed income stream to supplement your retirement accounts.

  • Minimize Unnecessary Debt: Reducing or eliminating credit card balances and high-interest loans ensures you aren’t overwhelmed by rising costs.

  • Monitor Your Spending Regularly: Periodic budget reviews help you adjust for inflation and unexpected expenses.

5. Resources for Financial Guidance

Consulting with a financial advisor can simplify complex decisions and ensure your retirement plans align with your goals. Trusted advisors can offer insights into tax strategies, investment options, and risk management tailored to your lifestyle.

Recommended Resources:

  • AARP: Offers free tools, guides, and counseling services for retirees.

  • Social Security Administration: Provides resources to understand and maximize your benefits.

  • Certified Financial Planners (CFPs): CFPs can tailor financial strategies to your individual needs.

Conclusion

Planning for longevity and securing your financial future requires careful budgeting, smart investing, and diligent estate planning. By adopting proactive strategies today, you can enjoy a fulfilling retirement with financial stability and peace of mind.

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AgingAging Information Committee BlogBlog

The Power of Volunteering in Retirement: Stay Active, Give Back & Thrive

by Dale Koch

Retirement is a new chapter, not the end of purpose. Volunteering keeps you active, connected, and fulfilled while making a real impact. In this article, we’ll explore the benefits of giving back and how to get started.

The Power of Volunteering in Retirement: Giving Back and Staying Active

Retirement is a time many of us look forward to—a well-earned rest after years of hard work. But let me tell you, stepping into retirement doesn’t mean stepping away from purpose! As someone who has volunteered all over the world, I’ve discovered that giving back is one of the greatest gifts we can offer—not just to others, but to ourselves.

The Benefits of Volunteering in Retirement

When I first retired, I thought I’d spend my days relaxing. That lasted about a month! I quickly realized I missed the sense of fulfillment that came from contributing to something bigger than myself. That’s when I turned to volunteering, and it has been the best decision I ever made. Here’s why:

1. A Renewed Sense of Purpose

Many retirees struggle with the transition from a structured work life to an open schedule. Volunteering fills that gap by giving us meaningful work, a reason to wake up in the morning with excitement and drive.

2. Staying Physically and Mentally Active

Engaging in volunteer work keeps both the mind and body sharp. Whether it’s mentoring young people, delivering meals, or building homes, volunteering gets us moving and thinking. Studies even show that staying active can help prevent cognitive decline and improve overall health.

3. Building New Social Connections

One of the biggest challenges in retirement is staying socially connected. Volunteering introduces you to like-minded people who share your passion. Some of my closest friendships were formed while working on community projects in different parts of the world. It’s a wonderful way to combat loneliness and strengthen our sense of belonging.

4. Making a Lasting Impact

Imagine the difference you can make in your own community. Whether it’s tutoring children, helping at food banks, or participating in environmental initiatives, the contributions of retirees can shape a better future. Knowing that your time and skills are making an impact is incredibly rewarding.

How to Get Started with Volunteering

If you’re wondering how to begin, here are a few simple steps:

  • Identify Your Interests – Think about what excites you. Do you enjoy working with kids? Helping animals? Supporting healthcare initiatives?
  • Explore Local Opportunities – Many organizations need extra hands, from schools to hospitals to charities. Check with your community center, library, or religious institutions for opportunities.
  • Start Small – If you’re unsure, commit to just a few hours a week. You can always expand your involvement as you get more comfortable.
  • Consider Virtual Volunteering – Can’t leave home often? Many organizations offer ways to contribute online, such as mentoring, tutoring, or administrative support.

The Rewarding Journey Ahead

Retirement is not an end; it’s a new chapter—one filled with opportunities to give, grow, and connect. I encourage my fellow retirees to embrace the joy of volunteering. The world needs your wisdom, your skills, and your heart. And trust me, the rewards you receive in return will be priceless.

So, my fellow NCRO members, are you ready to make a difference? Your community—and your future self—will thank you for it!

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AgingAging Information Committee BlogBlog

Technology for Aging Adults: Gadgets and Apps That Make Life Easier

by Dale Koch

As we age, staying connected, organized, and healthy can become more challenging—but technology is here to help. With the right tools, aging adults can maintain independence, enhance communication, and simplify daily routines.

From easy-to-use communication platforms to health management and organizational aids, there are plenty of user-friendly apps designed specifically to make life easier. In this article, we’ll explore six fantastic apps that are perfect for seniors looking to embrace technology while staying connected and organized.

Embracing Technology for Independence

These six apps demonstrate how technology can enhance the quality of life for aging adults, making daily tasks simpler and helping them stay connected with loved ones. By embracing these user-friendly tools, seniors can enjoy more independence and peace of mind.

Have a favorite app or tech tip to share? Let us know in the comments!

1. GrandPad – Effortless Communication

Designed specifically for seniors, GrandPad is a tablet and app combo that makes video calls, messaging, and photo sharing a breeze. Its large icons and simple interface help older adults stay connected with family and friends without the usual tech frustrations. It’s a great way to keep loved ones close, no matter the distance.

2. Medisafe – Medication Management Made Easy

Remembering to take medications on time can be challenging. Medisafe helps by providing reminders and tracking dosages, ensuring users never miss a dose. It also allows caregivers to monitor medication schedules, promoting safety and peace of mind.

3. Magnifier On An iPhone

Magnifier is an Accessibility tool that turns your iPhone into a magnifying glass. Magnifier is especially useful for the visually impaired, who may have a hard time reading small text in a book or pamphlet.

Follow the instructions in the image to use the iPhone Magnifier.

4. Libby by OverDrive – Access to Books and Audiobooks

For book lovers, Libby is a wonderful way to access thousands of eBooks and audiobooks for free through local libraries. The user-friendly interface lets seniors adjust text size and brightness or switch to audiobooks for hands-free listening, making reading more accessible than ever.

5. Words with Friends 2

A popular word game that allows seniors to engage in friendly competition, keeping their minds sharp and providing a fun way to connect with friends and family. Words with Friends 2 is a word game that provides mental stimulation, vocabulary expansion, and social interaction.  It is an excellent choice for senior citizens. The game allows players to challenge friends and family members from anywhere in the world.

6. Find My iPhone – Safety and Security

Misplacing a smartphone can be stressful. These built-in apps help locate lost devices with ease, adding an extra layer of security and peace of mind. Whether at home or out and about, seniors can feel more confident knowing they can quickly find their devices if needed.

To set up Find My iPhone on your Apple iPhone, follow these steps: 

apple.com+3
  1. Open the Settings app.
  2. Tap your name, then tap Find My.
  3. Turn on Find My iPhone.
  4. If you want friends and family to know where you are, turn on Share My Location.
  5. To see your device even when it’s offline, turn on Find My network.

This blog post is brought to you by the NCRO Aging Information Committee, dedicated to helping our community stay informed and empowered through technology.

Technology Disclaimer

The NCRO provides information on technology, gadgets, and apps for informational purposes only. We do not endorse or guarantee the accuracy, reliability, or safety of any products mentioned. Use of these tools is at your own risk. NCRO is not liable for any issues or damages that may result.

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BlogInsurance Committee Blog

Unlocking Savings: A Guide to Discount Drug Sources for Retirees

by Insurance Committee

Managing healthcare expenses can be a significant concern, especially when it comes to prescription drug costs. Fortunately, there are numerous resources available to help individuals save money on medications beyond traditional insurance plans.

In this write up, we will explore various discount drug programs that can benefit retirees who may find prescription drugs too expensive under their current insurance plans.

  • GoodRx: https://www.goodrx.com – One of the most well-known and widely used prescription discount programs. 
  • SingleCare: https://www.singlecare.com – SingleCare is another popular prescription discount card. 
  • RxSaver: https://www.rxsaver.com – RxSaver is a prescription discount program that helps individuals save money on medications by providing access to discounted prices at participating pharmacies. 
  • NeedyMeds: https://www.needymeds.org – NeedyMeds is a non-profit organization that provides information on prescription assistance programs and offers a drug discount card that can help individuals save money on their medications. 
  • RxAssist: https://www.needymeds.org/ – RxAssist is a web-based resource that provides information on patient assistance programs and offers tools for finding discounts on prescription medications.

All of these are website based; some have mobile apps.

These all allows users to compare prices of medications at different pharmacies and access coupons and discounts to lower the cost of their prescription drugs. Users can simply search for their medication and location on any of these web sites to find the best prices available.

In addition, there is, “CostPlus” https://www.costplusdrugs.com

This is a not-for-profit online drug store, created by Mark Cuban, that offers significant savings. Unlike the other sites this requires you get a new prescription from your U.S. based provider.

Conclusion:

Navigating prescription drug costs as a retiree can be challenging, but with the help of discount drug sources like these, individuals can access savings and reduce the financial burden of their medications. 

A Key point to consider when choosing to utilize discount drug options:

Impact on Annual Out-of-Pocket Maximum:

For individuals enrolled in Part D plans, the new annual out-of-pocket maximum spending cap of $2000 is set for 2025, It’s essential to be aware that the spending incurred through discount drug programs will not count towards reaching these annual out-of-pocket maximums.

If a drug you need is not covered by your part D or advantage plan, the $2000 cap does not apply.

Retirees should also use the Part D tool on the Medicare website during the enrollment period to select the lowest cost drug plan for the upcoming year.

A note of caution:

Amounts shown using the Medicare Part D site quote the cost of a drug for the remaining months of the year. For example, if you check the cost of a drug using the tool in February the cost will be the total for March through December (10 months). The cost using a discount drug website is for one month so be aware when making the comparison. Also, the cost on the Medicare Part D site can appear higher until the deductible is met.

Final note:

It is heartening to know that drug manufacturers recognize the challenges posed by the high prices of specialty drugs and have taken steps to address this issue through Patient Assistance Programs (PAPs). These programs offer eligible individuals access to crucial medications at lower costs, demonstrating the pharmaceutical industry’s commitment to providing support to patients in need. By exploring discount drug options and utilizing available resources, retirees can effectively manage prescription drug expenses while maintaining optimal health and well-being. Contact your doctor’s office or the drug manufacturer to learn more about the PAP.

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About UsThe NCRO

About the NCRO

by NCRO

The National Chrysler Retirement Organization Mission is to: Protect pension and other benefits | Do our part to keep FCA USA LLC viable and strong Inform, Educate, and Communicate Build camaraderie and fellowship

The mailing address for payments to NCRO or the Contingency Action Fund is:

NCRO Inc.
P.O. Box 174
Washington Township, MI 48094

Our office address:

NCRO, Inc.
880 W. Long Lake
Suite 225
Troy, MI 48098

 

We are over 6,700 members strong but we need to continue to grow.

Chrysler non-union retirees and workers had no real means to communicate with Chrysler on retiree benefit issues. There currently was no way for non-union retirees to communicate with each other or to speak as one voice with the company. Retirees have continued to support the company and have trusted management. We relied on the company to provide the benefits we all earned while we were active employees. Unfortunately times have changed, as has the company’s commitment to maintain retiree benefits. After the termination of health and life insurance benefits, several retirees joined together to organize a non-union retiree organization to present a united front to the company. The NCRO was formed in May 2008 with the goals to preserve retiree benefits, improve communication, and foster fellowship among retirees. It’s clear a few people can not take on all the responsibilities associated with developing and managing a retiree organization. 

We ask that you join the NCRO and your fellow retirees!

JOIN the NCRO

The NCRO Leadership Team

  • In Memoriam – Lee Iaccoca
  • Founder – Charles Austin
  • President – Jay Kuhnie
  • Vice President – Deb Morrissett
  • Vice President – Peter Piccinato
  • Treasurer – Mike Cipponeri
  • Secretary – Vicki Bonus
  • General Counsel – Dana Oliver
  • General Council – Judy Shumaker-Holland
  • Director – Terry Crockatt
  • Director – John Glotzbach
  • Director – Rick Golpe
  • Director – Grainger Goodman
  • Director – Ted Gray
  • Director – Pete Hollinshead
  • Director – Joe Huber
  • Director – John Kaiser
  • Director – Dale Koch
  • Director – Kathleen Neal
  • Director – Dave Slates
  • Director Emeritus – Chris Dyrda
  • Director Emeritus – Doran Samples
  • In Memoriam Director – Roy H. Sjoberg, Jr.
  • In Memoriam – Ray Pasternak
  • In Memoriam – Stan Hurst
  • In Memoriam – Michael Kane

NCRO Volunteers: Thank you all from the NCRO Board!

  • Bob Meyer – Database Administrator
  • Brian Haw – e-Communications Administrator
  • Cheri Gelnak – Insurance Committee
  • Diane Cipponeri – Membership Support
  • Gary Diefenthaler – Insurance Committee
  • Gordie Couture – Webinar Broadcast Technician
  • Howard Baron – Insurance Committee
  • Jerry Nasiadka – Webinar Broadcast Technician
  • Johnnie Johnson – Webinar Broadcast Technician
  • Judy Hinman – Insurance Committee
  • KC Mehta – Aging Information Committee 
  • Mark Clemons – Survey Coordinator
  • Mike Stephens – Webinar Broadcast Technician
  • Patricia Storto – Triannual Breakfast Committee
  • Paul Gritt – Insurance Committee
  • Rich Brown – Insurance Committee
  • Rob Rudzewicz, – Webinar Broadcast Technician
  • Ron Fassnacht – Webinar Broadcast Technician
  • Ron Hormel – Webinar Broadcast Technician
  • Sam Bellestri – Webinar Broadcast Technician
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Obituary

Roy “Father Viper” Sjoberg, Jr. | November 8, 1938 ~ March 30, 2025 (age 86)

by NCRO

The automotive world has lost one of its brightest minds with the passing of Roy Hamilton Sjoberg, Jr., who died on March 30, 2025 at the age of 86. A maverick engineer, a relentless innovator, and the heart and soul behind the Dodge Viper, Roy’s legacy is etched into the roar of V10 engines and the fearless spirit of American performance cars.

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A Visionary Engineer: The Birth of the Viper

Roy “Father Viper” Sjoberg

Roy Sjoberg’s name is forever intertwined with the Dodge Viper, a car that defied convention from the moment it was conceived. In the late 1980s, when fuel efficiency and practicality dominated the industry, Roy championed a radical idea—a raw, no-compromises, V10-powered roadster that would revive the thrill of classic American muscle with modern engineering.

As the Chief Engineer of the Viper program, Roy’s creativity knew no bounds. He insisted on a hand-built, aluminum-block V10 engine, a bold move that pushed Chrysler’s limits. Rejecting power steering, advanced driver aids, and even proper side windows in the early models, he crafted a car that demanded skill and rewarded passion—a true driver’s machine. His mantra was “no excuses, no apologies,” and the Viper became a symbol of that philosophy.

Under his leadership, the Viper evolved from a wild concept car at the 1989 Detroit Auto Show into a production reality in just three years—an unheard-of timeline in the auto industry. His hands-on approach meant he was often in the garage late at night, tweaking designs, testing prototypes, and inspiring his team to think beyond the ordinary.

A Leader Who Inspired Greatness

Roy’s influence extended far beyond blueprints and dyno tests. At Chrysler, he was known as a mentor and motivator, fostering a culture of innovation where engineers were encouraged to take risks. He famously assembled a “Viper Team” of young, passionate engineers, giving them unprecedented freedom to create something extraordinary. Many of them went on to become leaders in the industry, crediting Roy’s leadership as their foundation.

His colleagues remember him not just for his brilliance but for his unshakable integrity and dry wit. Whether he was debating aerodynamics over coffee or calming nerves before a high-stakes executive presentation, Roy led with wisdom and humility.

A Legacy Beyond the Viper

Before the Viper, Roy had already left his mark at General Motors, contributing to projects like the Chevrolet Corvette and advanced powertrain development. After Chrysler, he remained a sought-after consultant, sharing his expertise with startups and established automakers alike.

Outside of engineering, Roy was deeply committed to mentoring young talent, often speaking at universities and supporting STEM initiatives. He believed that the future of the automotive industry depended on nurturing the next generation of dreamers and doers.

A Life Well Lived

Roy is survived by his wife Peg; three children, seven grandchildren, one great-granddaughter and extended family, as well as a global community of car enthusiasts, engineers, and friends who were inspired by his vision. 

  • A private family memorial service will be held on Mullett Lake in July.
  • The family suggests memorials in lieu of flowers to Friends of Inland Lakes Schools Fund (FOILS), EIN 26-2153429, PO Box 1179, Indian River, MI 49749.
  • To send flowers to the family or plant a tree in memory of Roy Hamilton Sjoberg, Jr., please visit our floral store.

“The Viper wasn’t built by committee—it was built by believers.”— Roy Sjoberg

Farewell, Father Viper. Your legend lives on in every curve of the road and every driver who dares to push the limits!

Official Obituary of Roy Hamilton Sjoberg, Jr.

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