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Upcoming Senior and Retiree Events in and Around the Detroit Area

by NCRO

Upcoming Events & Programs (Late Summer to Fall 2025)

 
2. Strides for Seniors & Healthy Aging Expo
  • Fridays Live: Free community events featuring music, dance, food, and wellness checks at various senior centers
    • Dates: September 5, 12, and 19
  • Healthy Aging Expo: Culminates the campaign with a full wellness fair
    • Date: Friday, September 26
    • Location: Palmer Park
    • Highlights: Music (hustle dance with DJ Rick Love, Zumba), health exhibitors, a walk, boxed lunch, raffles — a vibrant and health-focused gathering stridesforseniors.org.
3. Senior Fashion Show – 2025 GALA
  • Date: Wednesday, October 8
  • Location: Michigan Central Station, Detroit
  • What to expect: A fashion-forward, joyful celebration of aging with style and confidence detroitseniorsolution.org.
4. Senior Project FRESH 2025
  • Ongoing: Now through October 31
  • Where: Ernest T. Ford Recreation Center, Highland Park
  • Purpose: Nutrition program offering fresh, locally grown produce plus education; a great resource for healthy living detroitseniorsolution.org.
Regular & Community-Focused Activities
5. “Sizzling Seniors”—Weekly Fitness & Social Classes
  • When: Mondays–Thursdays, 11 am–1 pm
  • What’s Offered: Chair exercises, hustle, yoga, and Zumba specifically for ages 50+, all free dabodetroitinc.com.
6. Detroit Area Agency on Aging Workshops
  • Programs:
    • Matter of Balance: A fall-prevention workshop, 8 sessions over 4 weeks
    • Tai Chi for Arthritis: Held at St. Patrick and La Sed senior centers
    • Walk With Ease: A walking program to improve strength and mobility
  • A great way to build strength, confidence, balance, and overall well-being detroitseniorsolution.org.
7. Detroit Social Club 50+ (Meetup Group)
  • What it is: A Meetup-based social group for people over 50 offering lectures, theater, music, day trips, and more
  • Details: There is a small annual fee (~$10) for membership to help cover event costs Meetup.
Festivals & Car Shows — Map Your Calendar
8. Detroit Autorama (Hot Rod Showcase)
  • When: Late February to early March
  • Where: Huntington Place, Detroit
  • Appeal: A showcase of custom, restored hot rods and the prestigious Don Ridler Memorial Award—perfect for automotive enthusiasts Wikipedia.
9. Dally in the Alley
  • When: Saturday after Labor Day (usually early September)
  • Where: Cass Corridor, Midtown Detroit
  • Features: Local music, arts and crafts vendors, food, beer, family-friendly performances—Detroit community at its most creative Wikipedia.
10. Sterlingfest Art & Music Fair
  • When: Last week of July
  • Where: Dodge Park, Sterling Heights
  • Highlights: Jazz/blues, juried arts fair, 5K run, carnival rides, food & art booths—great for arts and summer enjoyment Wikipedia.
11. Movement Electronic Music Festival
  • When: Memorial Day weekend (May 24–26, 2025)
  • Where: Hart Plaza, Detroit
  • Note: While it’s an electronic-music festival, many retirees enjoy the city’s diverse cultural energy and atmosphere Wikipedia.
12. Ypsilanti Events: ElvisFest & Heritage Festival
  • Michigan ElvisFest: July in Riverside Park / Depot Town
  • Ypsilanti Heritage Festival: Last weekend of August across Ypsilanti, includes vintage baseball, bed races, and more
  • Orphan Car Show: Summer car event in Riverside Park—with focus on discontinued or historic vehicle brands Wikipedia.
 
ALSO: (BTW, AI found the NCRO September 11 event!!!)
 
Here’s a curated lineup of 2025 events in and around the Detroit area for September–December, with dates and times, that would be especially appealing to Chrysler retirees—entertaining, enriching, senior-friendly opportunities, and even a few nostalgic or industry-adjacent gatherings.
September 2025
1. Detroit Month of Design
  • When: September 1–30 (ongoing)
  • Times: Vary by event
  • Detroit becomes a vibrant showcase of creative design, with exhibitions, workshops, tours, installations, and parties across the city—perfect for art lovers and curious minds. Detroit Month DesignVisit Detroit
    • Examples:
      • Mobility, Art & Design Exhibition (Sept 12–22, 11 am–4 pm)
      • Eastern Market After Dark (Sept 18, 6 pm–11 pm) Visit Detroit
2. Healthy Aging Expo (Strides for Seniors)
  • When: Friday, September 26, 9 am–1 pm
  • Where: Palmer Park
  • A wellness expo featuring music, Zumba, health exhibitors, refreshments, walks, and raffle prizes—tailored for active seniors. Strides for Seniors
3. Detroit Fall Senior Expo
  • When: Tuesday, September 30, 10 am–1 pm
  • Where: Eastern Market • Shed 5, 2810 Russell St., Detroit
  • A free event offering health screenings, legal and financial advice, mobility solutions, Medicare info, travel services, and more—great for practical assistance and socializing. Senior Expo USA+1
4. 2025 Metro Detroit Walk
  • When: Saturday, September 13, 9 am–12 pm
  • Where: Jimmy John’s Field, Utica, MI
  • A fundraising and community walk, $20 registration—good for light activity and connection. Qgiv
5. NCRO Medicare 101 Webinar
  • When: Thursday, September 11, 9:30 am–1:00 pm (online)
  • An essential educational session on Medicare—perfect for retirees navigating health coverage. NCRO
October 2025
6. Chrysler-Related Networking Opportunity
  • While no specific Chrysler retiree event is listed for October, retirees should monitor the Chrysler Management Club for potential gatherings like “Corporate Night,” typically announced via email. Chrysler MC
7. Detroit Fall Senior Expo – Regional Editions
  • Multiple local Senior Expos around Detroit—great for convenience and access:
    • Royal Oak / Ferndale Expo – Tuesday, October 14, 10 am–1 pm
    • Sterling Heights Expo – Thursday, October 23, 10 am–1 pm
    • Livonia / Canton / Northville Expo – Thursday, October 30, 10 am–1 pm
      These offer similar benefits as the Detroit expo, but closer to suburbs. Senior Expo USA
8. Huntington Place – Select Public Events
  • Checking the event calendar reveals:
    • Motion + Power Technology Expo (Oct 21–22)
    • An Evening with Lech Wałęsa (Oct 26)
    • Youmacon (Oct 30–Nov 2; though this spans into November)
      For retirees interested in motors, history, or culture, these might provide unique outings. huntingtonplacedetroit.comWikipedia
November 2025
9. Youmacon (Anime & Pop Culture Convention)
  • When: Likely early November (historically Nov 2–5)
  • Where: Huntington Place
  • A lively, 24-hour anime, gaming, and pop-culture convention. May appeal to retirees looking for an energetic, youthful experience—even if just to observe cosplay and people-watch. Wikipedia
10. Grosse Pointe Senior Expo
  • When: Monday, November 10, 10 am–1 pm
  • Where: Grosse Pointe War Memorial, Grosse Pointe Farms, MI
  • Another valuable local fair with senior-focused services and networking. Eventbrite
December 2025
  • As of now, no major scheduled events specifically tailored for seniors or Chrysler retirees in Detroit are listed for December. However, retirees might explore holiday concerts, community luncheons, or New Year socials typically emerging as the season approaches. Staying tuned via local community centers, NCRO communications, or the Chrysler Management Club is recommended.
Summary Table
Month
Highlight Events
September
– Medicare Webinar (9/11)
– Metro Detroit Walk (9/13)
– Healthy Aging Expo (9/26)
– Senior Expo (9/30)
– Detroit Month of Design (all September)
October
– Suburban Senior Expos (10/14, 10/23, 10/30)
– Huntington Place Events (tech expo, Wałęsa talk, Youmacon preview)
November
– Youmacon (pop culture convention)
– Grosse Pointe Senior Expo (11/10)
December
– No confirmed scheduled events yet; check local listings for holiday happenings
Recommendations
  • Register ahead for Senior Expos and the Medicare webinar, as some require RSVP.
  • Keep abreast of Detroit Month of Design offerings—DIY tours, exhibitions, and social events are especially well-suited for exploring at one’s own pace.
  • Monitor the Chrysler Management Club’s announcements for retiree-specific events—they often surface via email or their website. Chrysler MC
  • Explore local senior and community centers for festive December programming—concerts, meals, or holiday celebrations often benefit from advance notice.
 
 
Chrysler Management Club (CMC) – Retirees Events:
    • Example: Corporate Night at Grosse Pointe Yacht Club, December 8 (past event)
    • Keep an eye on the CMC bulletin board for announcements and email updates on future gatherings chryslermc.org.
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AgingAging Information Committee BlogBlog

Healthy Aging Starts with Where You Live: How Environments Shape Our Well-Being

by Dale Koch
As members of the National Chrysler Retirement Organization, we know that health and well-being in later life are not determined solely by genetics or personal choices. Equally important are the environments in which we live, work, and age. From the neighborhoods we grow up into the communities we choose for retirement, these physical and social environments have a profound influence on how healthy, active, and resilient we remain as we age.
 

Beyond Genetics: The Power of Environment

 While genetics contribute to our longevity and health outcomes, research shows that environmental factors play a greater role in shaping quality of life. The air we breathe, the safety of our neighborhoods, the accessibility of healthcare and social services, and the opportunities for social engagement all affect our physical and mental capacity. These factors accumulate throughout life and become especially significant in older age, when resilience and adaptability are tested by loss, functional changes, or other challenges.
 

How Environment Shapes Health in Later Years

  1. Physical Environment
    A safe, accessible, and stimulating physical environment supports healthy aging. Communities with sidewalks, parks, and age-friendly housing help older adults stay active and independent. Conversely, environments that lack accessible transportation or safe public spaces may increase isolation and decline in mobility.
  2. Social Environment
    Just as important as the physical environment is the social environment. A strong support network of family, friends, and community connections promotes emotional well-being and guards against loneliness. Programs that encourage intergenerational interaction, volunteering, and civic engagement help older adults remain valued contributors to society.
  3. Economic Environment
    Financial security shapes health by influencing access to nutritious food, quality healthcare, and safe living conditions. Older adults in supportive economic environments are better able to manage health conditions and maintain independence.
 

Adapting to Life’s Challenges

As we age, we inevitably face losses and changes—whether through declining physical ability, the loss of loved ones, or transitions in living arrangements. A supportive environment can buffer these challenges. For example, technology-enabled homes can help compensate for reduced mobility, while socially connected communities can provide comfort and purpose after loss. Environments that enable adaptation are key to maintaining dignity and autonomy.

Diversity and Change

Both older adults and their environments are diverse and constantly evolving. Aging is not a one-size-fits-all experience. Some retirees thrive in bustling urban areas with rich cultural opportunities, while others prefer quieter rural communities with close-knit social ties. Similarly, environments change over time as neighborhoods develop, climates shift, and social norms evolve. Successful aging policies must recognize this diversity and flexibility.
 

The Role of the NCRO Aging Information Committee

At the NCRO, the Aging Information Committee is committed to supporting members by providing timely, reliable information on the many dimensions of aging. Through the NCRO website, newsletters, and free webinars, the committee shares updates on health, well-being, caregiving, financial planning, and community resources that matter most to retirees. By disseminating these updates, the committee ensures members have the tools and knowledge to make informed choices and adapt to the changing environments of later life.
 

Conclusion

Healthy aging is not predetermined by our genes alone. It is the product of lifelong interactions between individuals and their environments. By creating and supporting environments that are safe, inclusive, and empowering, we can help ensure that older adults not only live longer but also live well.
 
For our NCRO community, the Aging Information Committee plays a vital role in keeping us connected and informed. Through its ongoing updates, newsletters, and free webinars, the committee provides essential resources that enable us to thrive in every stage of retirement.
 
Together, we can turn the challenges of aging into opportunities for growth, resilience, and fulfillment.
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BlogInformation UpdatesInsurance Committee BlogMedicare

Preparing for 2025 Medicare Open Enrollment: Steps NCRO Members Should Take Now

by Insurance Committee
Medicare Open Enrollment for 2025 is right around the corner—running from October 15 to December 7, 2025—and it’s your annual opportunity to review, compare, and change your Medicare coverage. Whether you’re happy with your current plan or considering a switch, it’s important to take proactive steps in the weeks and months leading up to enrollment to ensure you have the coverage you need at the best cost.
 

Here’s a step-by-step guide to help you prepare.

1. Mark Your Calendar and Know the Key Dates
Open Enrollment only happens once a year, and any changes you make will take effect on January 1, 2026. Missing the deadline could lock you into your current plan for another year unless you qualify for a Special Enrollment Period. Be sure to set reminders—both digital and on paper—to give yourself enough time to compare your options and avoid last-minute decisions.
 
 
2. Review Your Current Coverage
Before you even look at new options, take a close look at what you currently have:

  • Monthly premium – Is it still affordable within your budget?

  • Deductibles and copayments – Have your out-of-pocket costs increased this year?

  • Provider network – Are your preferred doctors and hospitals still covered?

  • Prescription drug coverage – Does your plan still cover your medications at a reasonable cost?

If you’ve been satisfied with your plan but have experienced higher costs or limited access to care, these might be signs it’s time to explore alternatives.
 
3. Review the Annual Notice of Change (ANOC)
Every September, your Medicare Advantage or Part D drug plan will send you an Annual Notice of Change (ANOC). This document outlines changes to your plan’s costs, benefits, and network for the coming year. Don’t ignore it—these updates could significantly affect your coverage and expenses in 2026. If you see changes that may impact you negatively, start comparing new plans immediately.

 

 
4. Check Your Prescription Drug Needs
Prescription coverage can change year to year. Drug formularies (lists of covered medications) may add or remove drugs, or change their cost tiers. Before Open Enrollment begins, make a list of all the medications you take and compare how they’re covered under your current plan and any alternatives. Even if your drug list hasn’t changed, plan pricing and preferred pharmacies can.

 
5. Use the Official Medicare Plan Finder
The Medicare.gov Plan Finder is one of the most reliable tools for comparing Medicare Advantage and Part D plans. You can enter your medications, preferred pharmacies, and doctors to see a cost breakdown for each plan in your area. This makes it easier to compare total yearly costs—not just monthly premiums.

 
6. Consider Your Healthcare Needs for 2026
Think ahead to the care you might need next year. Have you been diagnosed with a new health condition? Are you planning any surgeries or treatments? Do you want extra benefits like dental, vision, or hearing coverage? Your future needs should guide your choice just as much as your current ones.

 
7. Seek Guidance from Reliable Sources
Choosing the right Medicare plan can be overwhelming, especially with so many options and changes each year. Consider talking to:

  • State Health Insurance Assistance Programs (SHIPs) – Free, unbiased counseling.

  • NCRO resources and webinars – Our Medicare information sessions offer trusted guidance.

  • Licensed Medicare advisors – Professionals who can help you navigate complex choices.

 
8. Watch for NCRO’s Upcoming Medicare Webinar
To help you prepare, NCRO will host a Medicare 101 and 2026 Changes Webinar on Thursday, September 11, 2025, at 9:30 AM. This free session will explain how to interpret plan changes, avoid costly mistakes, and choose the right coverage. Mark your calendar and register early to secure your spot.

 

Final Thoughts

Medicare Open Enrollment is more than just a chance to switch plans—it’s your annual opportunity to ensure your health coverage matches your needs and budget. By reviewing your current coverage, checking for upcoming changes, and comparing options, you can make confident choices for the year ahead.
 
NCRO is here to support you every step of the way. Start your preparation now, stay informed, and take advantage of the valuable resources available to you!.
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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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BlogInsurance Committee Blog

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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BlogMembersMembershipMembership Committee Blog

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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BlogDealersMembersNewsletters

7 Detroit Metro Dealers Now Offer NCRO Retirees a ‘No Hassle’ Car-Buying Experience

by NCRO

Exclusive Benefit for NCRO Members: 7 Local Dealers Simplify Car Buying for Retirees

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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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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