Pre-65

by NCRO

Pre-Medicare | 2026 Retiree Choice Enrollment Guide

Helpful Information in Your Preparing for transition from Chrysler’s Retiree Choice to Medicare

Medicare Action Timeline (September 2025)

helpful Information

  • Mailings from FCA US LLC starting at age 64
    • First mailing at age 64 and 0 months

    •  Second mailing 64 and 5 months

    •  Third mailing 64 and 9 months (enrollment guide)

    •  Last Chance Postcard or Email

    •  4th mailing the month you turn 65 (Health Care
      Retirement Account (HRA) personal report)

  • Multiple Medicare Enrollment Periods

Feel Free to Leave a Comment:

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Retiree Friendly Dealer (RFD) Information

PREFERED LOCATIONS:

Golling Fiat Birmingham

Contact:

Golling Bloomfield Hills:

Contact:

Chelsea Golling:

Contact:

Rochester Hills Chrysler Jeep Dodge:

Contacts:

Roseville:

Golling Chrysler Dodge Jeep Ram of Roseville
Your Golling Roseville RFD

Contacts:

Jim Riehl Warren:

Contact:

Grosse Pointe:

Contact:

 
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Aging isn’t about slowing down — it’s about leveling up. Each new year brings with it more perspective, purpose, and appreciation for the simple joys of life. While society sometimes focuses on what we lose with age, those of us who’ve traveled the road a while know the truth: aging can be one of the most empowering and fulfilling experiences of all.

 

Here are five positive things about aging that remind us why the later chapters of life can be the most rewarding.


 

1. Wisdom and Perspective: Lessons Earned, Not Learned

By the time we reach retirement, we’ve faced challenges, celebrated milestones, and learned what truly matters. That depth of experience gives older adults an extraordinary advantage — the ability to see life with clarity and balance.

We no longer sweat the small stuff, because we’ve already conquered the big stuff. We can weigh decisions more thoughtfully, handle conflicts with grace, and find humor in what once might have frustrated us. This wisdom isn’t something that can be taught in a classroom or read in a book — it’s earned through living.

Key Takeaway: Wisdom is one of aging’s greatest rewards. Use it to guide, mentor, and inspire others.

Resource: Consider joining a local mentorship or volunteer program that allows retirees to share career or life experience with younger generations.


 

2. Freedom to Live on Your Own Terms

One of the most liberating aspects of aging is independence — the freedom to spend time how and where you choose. The daily grind of the workplace fades, and suddenly the clock belongs to you.

Many retirees embrace this newfound time by traveling, exploring hobbies, or even starting new careers or creative projects. Whether it’s a morning walk, a long-delayed painting class, or visiting grandchildren, this is the time to prioritize joy and curiosity.

Key Takeaway: Retirement offers the freedom to design your own days and explore your passions without limitation.

Resource: NCRO’s website includes links to travel tips, educational resources, and volunteer opportunities tailored for retirees.


 

3. Deeper, More Authentic Relationships

As we age, our relationships evolve. We let go of superficial connections and focus on the people who truly matter — those who enrich our lives with kindness, laughter, and shared history.

Older adults often experience stronger emotional bonds, not only with family and friends but also within community networks. These genuine relationships bring meaning, comfort, and companionship that positively affect both mental and physical health.

Key Takeaway: Aging helps us prioritize quality over quantity in relationships, leading to more meaningful and lasting connections.

Resource: Join NCRO’s online forums or attend member gatherings to connect with peers who share your values and experiences.


 

4. Confidence and Contentment

There’s a wonderful peace that comes with knowing yourself well. By the time we reach our 60s and beyond, we’ve stopped trying to impress others. We understand our strengths, accept our imperfections, and take pride in our individuality.

This self-assurance fosters contentment. Studies show that older adults often report higher levels of happiness than younger people — not because life gets easier, but because priorities shift. We learn to appreciate what’s truly important: health, family, laughter, and time.

Key Takeaway: Confidence grows with experience. Aging gives you permission to live authentically and unapologetically.

Resource: Explore NCRO’s wellness and self-care resources, including mindfulness, exercise, and nutrition tips designed for retirees.


 

5. Purpose and Giving Back

Aging gives us an opportunity to focus on legacy — not just what we leave behind, but how we continue to make an impact now. Retirees often find deep satisfaction in contributing their time, wisdom, and compassion to others.

Whether it’s volunteering, mentoring, or advocating for policies that protect retirees’ rights, purpose gives structure and meaning to our days. Staying engaged — mentally, socially, and civically — keeps us vibrant and connected.

Key Takeaway: Purpose is a vital ingredient for healthy aging. Giving back creates joy, connection, and a sense of accomplishment.

Resource: Visit www.nrln.org for opportunities to participate in retiree advocacy and policy initiatives that make a difference.


 

In Closing

Aging is not the end of something — it’s the evolution of everything. These are the years when your voice carries weight, your wisdom shines, and your choices reflect a lifetime of experience.

The truth is, aging isn’t about counting candles. It’s about celebrating the light they create.

So here’s to aging boldly, living freely, and sharing the best of ourselves — one day, one laugh, and one act of kindness at a time.

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Obituary

by NCRO

In Memoriam - Obituary

Richard "Dick" Sean Cassle
June 15, 1942 - October 15, 2025
Richard “Dick” Sean Cassle; age 83 of Orion, passed away October 14, 2025 surrounded by his family. Beloved husband of the late Suzanne; loving father of Kris (Keith) Phillips; proud and devoted grandpa of Shelby (Spencer) Hickoff and Jolie (Davis) Hanson; great-grandfather of Oaklyn and Ivy Sue Hickoff; dear brother-in-law of Jim (Shelly) Wilson, Dick (Cindy) Wilson, John (Liz) Wilson and Judy (Denny) Davis.
Charles Gunderson
July 21, 1933 - September 28, 2025
Chuck was a man of quiet strength and steady wisdom — the kind of person his children and others turned to for advice. Chuck’s lifelong passion for automobiles led him to Detroit, where he began his career at Chrysler and earned a master’s in Automotive Engineering at the Chrysler Institute. Over the decades, he contributed to innovations – such as the turbine car, the Barracuda and the first Chrysler minivan – and eventually led product planning across all vehicle lines.
Karen Swanberg Brown
March 5, 1948 - September 7, 2025
Karen Swanberg Brown, age 77, passed away peacefully on September 7, 2025. Born on March 5, 1948, in Detroit, Michigan, Karen was the daughter of Georgia and Irving Swanberg and the second-oldest of six children. She grew up in Southfield, MI. Karen poured her heart into raising their children, Jason and Audra, who remained her pride and joy. Later, she delighted in becoming “Grannie” to Kerrigan and Nolan, a role that filled her with immeasurable happiness.
Wendell Williams Jr.
May 15, 1932 - April 2, 2025 - CLICK the icon below to view the obituary:
Robert Henry Lees Jr.
April 26, 1933 – June 19, 2025 - CLICK the icon below to view the obituary:
Frederick C. Maloney
November 21, 1945 - May 31, 2025 - CLICK the icon below to view the obituary:
Donald McLean
September 3, 1950 - April 12, 2025 . CLICK the Icon below to view the obituary:
David Joseph Bartlo
February 7, 1947 - March 12, 2025 CLICK the Icon below to view the obituary:
Glenn Williamson
October 25, 1942 - January 12, 2025 CLICK the Icon below to view the obituary:
Jerry Lindsay
March 2nd, 1932 - August 6th, 2024 CLICK the Icon below to view the obituary:
Raymond Harold Tilly
August 18, 1956-December 10, 2024 CLICK the Icon below to view the obituary:
Berthold 'Bert' Martin
July 27, 1940 - March 17, 2025 CLICK the Icon below to view the obituary:
Angeline Kaiser
July 27, 1940 - March 17, 2025 CLICK the Icon below to view the obituary:
Richard Norman Harper, Jr.
October 3, 1926 - November 16, 2023
CLICK the Icon below to view the obituary:
David Charles Van Raaphorst
Transitioned September 23, 2023
CLICK the Icon below to view the obituary:
Michael "Mike" Steven Smith
February 28, 1943 - October 22, 2023
CLICK the Icon below to view the obituary:
James Don Bowman
November 8, 1947 - August 20, 2024
CLICK the Icon below to view the obituary:
Dale Ernest Dawkins
July 3, 1934 - February 1, 2024
CLICK the Icon below to view the obituary:
Sebastian Joseph Giuffrida
February 20, 1932 - November 25, 2023
CLICK the Icon below to view the obituary:
Robert J. Nankee II
August 10, 1956 - May 24, 2023
CLICK the Icon below to view the obituary:
William D. Scarbro
May 4, 1946 - September 3, 2023
CLICK the Icon below to view the obituary:
Carl Anthony Pace
May 2, 1937 - August 3, 2023
CLICK the Icon below to view the obituary:
John McLay Murray
July 16, 1931 - July 30, 2023
CLICK the Icon below to view the obituary:
Shamel Thomas Rushwin II
Dec. 3 1947 - Jul 12 2023
CLICK the Icon below to view the obituary:
Wenzel F. Koch
July 27, 1928 - April 27, 2023
CLICK the Icon below to view the obituary:
Ara Basherian
March 18, 1935 - May 15, 2023
CLICK the Icon below to view the obituary:
James "Jim" Albert Watson
Apr. 14, 1944 - Mar. 18, 2023
CLICK the Icon below to view the obituary:
Stephen Allen Alcock
Jan. 21, 1955 - Mar. 13, 2023
CLICK the Icon below to view the obituary:
Janet E. Poxon
Jan. 2, 1951 - Feb. 24, 2023
CLICK the Icon below to view the obituary:
Robert Floyd Roush
Oct. 12, 1940 – Feb. 19, 2023
CLICK the Icon below to view the obituary:
Donald Paul Hilty
Mar. 17, 1929 - Feb. 12, 2023
CLICK the Icon below to view the obituary:
Michael F. Michel
Sep. 2, 1954 - Jan. 30, 2023
CLICK the Icon below to view the obituary.
S. Duane Ogden
May 22, 1932 - Dec. 30, 2022
Click the icon below to view the obituary.
Arthur M. Peach
Jan. 1, 1930 - April 27, 2021
CLICK the Icon below to view the obituary:
We have over 1,200 deceased members since we started the NCRO back in 2008. The list of those who have left us was getting too large to not only manage, but also too long of a list to scroll through on a webpage.
 
This is the Official Obituary Page where we can share all submitted loved one’s current obituaries. Then, after the memorial services have passed, those listings will rotate to the archives after 30 days.
 
We hope you understand and if you were asking about a posting of an obituary for a loved one, please accept our deepest condolences.
 The NCRO Team
To have a listing, complete the form below.

Obituary Posting Submission Form:

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Understanding The Different Medicare Enrollment Periods

For retirees, Medicare provides peace of mind and essential health care coverage. But as many members of the National Chrysler Retirement Organization (NCRO) know, Medicare enrollment periods can be confusing. Understanding when you can make changes to your Medicare plan is critical for making the best decisions about your health care and financial well-being.
 
To help, the NCRO Insurance Committee has planned a free webinar on September 11. This session will cover the key enrollment periods, explain how they work, and provide you with the chance to ask questions directly to knowledgeable presenters. Mark your calendar—this is your opportunity to gain clarity on a topic that impacts all retirees.
 

Medicare Enrollment Periods Explained

Medicare has several distinct enrollment periods, and each comes with its own rules. Missing a deadline could mean delays in coverage or late enrollment penalties, so it is important to know the differences.
 
1. Initial Enrollment Period (IEP)
This is your first chance to sign up for Medicare. It begins three months before you turn 65, includes your birthday month, and extends three months after. During this time, you can enroll in:
    • Medicare Part A (Hospital Insurance)
    • Medicare Part B (Medical Insurance)
    • Medicare Advantage (Part C)
    • Medicare Part D (Prescription Drug Coverage)
If you miss this window and do not qualify for a Special Enrollment Period, you may have to wait until the General Enrollment Period and could face higher costs.
 
2. General Enrollment Period (GEP)
If you did not enroll in Medicare during your Initial Enrollment Period, you can sign up during the General Enrollment Period, which runs from January 1 to March 31 each year. Coverage begins on July 1, and late penalties may apply.
 
3. Special Enrollment Period (SEP)
Special Enrollment Periods apply when you experience certain life events, such as moving to a new state, losing employer health coverage, or qualifying for Medicaid. These periods allow you to make changes outside the regular enrollment windows without penalty.
 
4. Medicare Open Enrollment Period (OEP)
The most well-known period is Medicare Open Enrollment, which runs from October 15 to December 7 each year. During this time, you can:
    • Switch from Original Medicare to a Medicare Advantage plan, or vice versa
    • Change from one Medicare Advantage plan to another
    • Join, drop, or change Medicare Part D drug plans
Any changes made during this period take effect on January 1 of the following year.
 
5. Medicare Advantage Open Enrollment Period
From January 1 to March 31, individuals enrolled in a Medicare Advantage plan can switch to another Medicare Advantage plan or return to Original Medicare. This is a valuable second chance if your plan does not meet your needs.
 

Why Enrollment Periods Matter

Your health and financial situation can change from year to year. A plan that worked well last year may no longer fit your needs. Premiums, drug coverage, provider networks, and out-of-pocket costs can also change annually. That’s why it is important to review your options every year during Medicare Open Enrollment and make adjustments if necessary.
 

NCRO Free Webinar: Your Opportunity to Learn and Ask Questions

To support members, the NCRO Insurance Committee is hosting a free Medicare Webinar on September 11. This session will provide:
  • A detailed overview of Medicare enrollment periods
  • Guidance on how and when to make changes to your coverage
  • Insights on avoiding penalties and unnecessary costs
  • Time for members to ask questions and receive clear, practical answers
This webinar is your chance to hear directly from experts, gain confidence in your Medicare decisions, and make sure your coverage is aligned with your needs for 2026 and beyond.
 

Take Action

Medicare is one of the most important benefits retirees rely on, but it requires careful attention to deadlines and rules. Do not wait until the last minute—educate yourself now and plan ahead.
Join the NCRO Insurance Committee’s free Medicare Webinar on September 11 to get the information you need, ask questions, and prepare for Medicare Open Enrollment starting October 15.
 
Your health and financial well-being are worth it.
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For many retirees, “aging in place” is more than a preference—it’s a goal. It means staying in your own home and community, surrounded by familiar sights and a lifetime of memories. It represents independence, comfort, and control. However, as the cost of living continues to climb, proactively planning for the next five years is essential to making this goal a sustainable reality.
 
The NCRO Aging Information Committee is here to help you look ahead. By understanding the potential financial pressures and taking strategic steps now, you can fortify your position and continue to thrive in the home you love.
 

The Financial Landscape: What to Expect

 

Over the next five years, retirees aging in place should pay particular attention to three key areas where costs are likely to rise:

  1. Housing Costs Beyond the Mortgage: Even if your mortgage is paid off, homeownership expenses are sensitive to inflation. Expect property taxes and homeowners insurance to creep upward. More critically, the cost of home maintenance and essential repairs will increase. Plumbing, roofing, and HVAC services are becoming more expensive, and older homes often require more frequent attention.
  2. Utilities and Home Efficiency: The cost of energy—electricity, natural gas, and heating oil—is notoriously volatile. As global markets shift, your monthly bills will likely be higher in 2029 than they are today. For those aging in place, this is compounded by the need for a comfortable, climate-controlled environment year-round.
  3. Healthcare and In-Home Support: This is often the most significant variable. The cost of prescription drugs, Medicare premiums, and co-pays consistently outpaces general inflation. Furthermore, if you plan to age in place, you may eventually need in-home care services, whose hourly rates are rising steadily. Budgeting for potential long-term care needs is a crucial part of the equation.

Strategies to Secure Your Future at Home

 

Forewarned is forearmed. Here are actionable steps you can take today to prepare for the next five years:

  • Conduct a Home Energy Audit: Many utility companies offer low-cost or free energy audits. Simple upgrades like sealing drafts, adding insulation, or switching to a programmable thermostat can yield significant savings on your utility bills for years to come, making your home more efficient and comfortable.
  • Create a “Home Maintenance & Repair” Sinking Fund: Instead of being caught off-guard by a major repair, start setting aside a small amount of money each month into a dedicated savings account. This fund acts as a financial cushion for a new water heater, roof repair, or appliance replacement, protecting your core retirement savings.
  • Re-evaluate Your Property Tax Assessment: Many local governments offer property tax relief programs for seniors, veterans, or those with disabilities. Often called “circuit breakers” or “homestead exemptions,” these can significantly reduce your tax burden. Contact your local assessor’s office to see if you qualify.
  • Explore All Benefits Options: You may be eligible for assistance programs you aren’t currently using. Websites like BenefitsCheckUp.org can help you find programs for prescription drug costs, food assistance (SNAP), and utility bill assistance (LIHEAP), freeing up more of your income for other essentials.
  • Consider a Home Safety Assessment Now: Proactively modifying your home for safety—installing grab bars, improving lighting, and eliminating trip hazards—can prevent a costly fall later. An ounce of prevention is worth a pound of cure, both for your health and your finances.
Aging in place is a beautiful and achievable goal. While the economic landscape may present challenges, strategic planning empowers you to meet them with confidence. By taking a proactive, forward-looking approach to your finances and your home, you can ensure that your home remains a place of comfort, security, and joy for years to come.
 
The NCRO Aging Information Committee is dedicated to providing resources and support to help you navigate your retirement years. For more information and helpful guides, check the website for upcoming meetings and webinars.
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At NCRO, we are proud to uphold the highest standards of accuracy and quality in all our content. Our articles are meticulously crafted by advanced AI technology, rigorously reviewed, and approved by our dedicated NCRO committees before being shared on our website. This thorough process ensures that our readers receive reliable and credible information they can trust.
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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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Key Takeaways: 7 Signs It’s Time to Move to a Senior Living Facility

  1. Daily Activities: Needing help with daily tasks is not a failure — it’s a signal that support can improve safety and preserve dignity.

  2. Falls and Accidents: Preventing the next fall is easier — and safer — than recovering from the last one.

  3. Health and Mobility: Consistent medical oversight can prevent small issues from becoming major emergencies.

  4. Social Isolation: Staying socially engaged keeps the mind sharp and the heart happy.

  5. Household Responsibilities: Removing stress from daily life frees up energy for activities you enjoy.

  6. Nutrition: Good nutrition is a cornerstone of healthy aging — don’t compromise it.

  7. Caregiver Burnout: Healthy caregivers create healthier care situations for everyone involved.

Deciding whether it’s time to transition into a senior living facility can be one of the most challenging decisions for retirees and their families. At the National Chrysler Retirement Organization (NCRO), we understand that this decision is deeply personal and can stir up a range of emotions. The goal isn’t to give up independence but to gain support, security, and a better quality of life. Here are seven key signs that may indicate it’s time to explore senior living options — along with key takeaways and helpful resources.

 
1. Increasing Difficulty with Daily Activities
If getting dressed, bathing, cooking, or cleaning has become physically exhausting or unsafe, this is one of the clearest signs it may be time to consider help. Senior living facilities provide assistance with activities of daily living (ADLs) while allowing residents to remain as independent as possible.
 
Key Takeaway: Needing help with daily tasks is not a failure — it’s a signal that additional support can improve safety and preserve dignity.

 
2. Frequent Falls or Accidents
Falls are a leading cause of injury among older adults. If you or your loved one has experienced more than one fall recently, or you feel unsafe moving around the house, it’s a red flag. Senior living communities are designed with safety in mind — grab bars, non-slip flooring, and 24-hour staff can make a big difference.
 
Key Takeaway: Preventing the next fall is often easier — and safer — than recovering from the last one.

 
3. Decline in Health or Mobility
Chronic health issues or limited mobility can make it hard to stay on top of medications, medical appointments, and proper nutrition. Assisted living facilities often provide medication management and have staff available to monitor health concerns, which can reduce hospital visits and improve overall well-being.
 
Key Takeaway: Consistent medical oversight can prevent small issues from becoming major emergencies.

 
4. Social Isolation
Loneliness can be just as harmful as physical illness. If days go by without meaningful social interaction, mental and emotional health can decline quickly. Senior living facilities encourage connection with peers through group activities, exercise classes, games, and shared meals — often bringing back a sense of purpose and joy.
 
Key Takeaway: Staying socially engaged keeps the mind sharp and the heart happy.

 
5. Difficulty Managing Household Responsibilities
Paying bills late, forgetting to maintain the home, or leaving mail unopened can be signs that managing a household is becoming overwhelming. Senior living eliminates the burden of housekeeping, lawn care, and home repairs, allowing retirees to focus on hobbies and relationships.
 
Key Takeaway: Removing stress from daily life frees up energy for activities you enjoy.

 
6. Unexplained Weight Loss or Poor Nutrition
If cooking or shopping for groceries has become too much of a challenge, seniors may skip meals or rely on unhealthy convenience foods. Many senior living facilities offer nutritious, chef-prepared meals and can accommodate special diets, ensuring residents stay healthy and energized.
 
Key Takeaway: Good nutrition is a cornerstone of healthy aging — don’t compromise it.

 
7. Caregiver Burnout
If a spouse, family member, or friend is providing daily care and showing signs of stress, exhaustion, or resentment, it may be time to consider additional support. Senior living facilities can relieve the pressure on caregivers, allowing relationships to shift back to being loving and supportive rather than purely caretaking.
 
Key Takeaway: Healthy caregivers create healthier care situations for everyone involved.

 
Key Takeaway for NCRO Members
Recognizing these signs early allows retirees and their families to take control of the decision-making process. Senior living facilities are not about losing independence — they are about gaining a safe, supportive, and engaging lifestyle.
 
NCRO Tip: Talk with family, tour a few facilities, and compare services before a health crisis forces a rushed decision. Planning ahead creates peace of mind for everyone involved.

Some factors to consider when choosing a senior care facility include:

  • Facility location
  • Scheduled activities and social events
  • Food offered
  • Staffing ratios and turnover
  • Cost and potential add-on fees for additional services
  • Room size and whether the room is private or shared
  • Safety and security measures
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At NCRO, we are proud to uphold the highest standards of accuracy and quality in all our content. Our articles are meticulously crafted by advanced AI technology, rigorously reviewed, and approved by our dedicated NCRO committees before being shared on our website. This thorough process ensures that our readers receive reliable and credible information they can trust.
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Retirement Healthcare Account

by NCRO

Did you miss the VBA Webinar?

On December 11, 2024, the NCRO’s Insurance Committee presented a webinar by VIA Benefits Webinar on:

  • Filing Claims online and by paper,
  • Setting up Direct Deposit (if not already done),
  • and requesting VBA assistance, including a 40-minute Q&A session. 

Retirement Health Care Account (RHCA) | For any retiree/surviving spouse with an account, and Healthcare Retirement Account (HRA) | For retirees/surviving spouse age 65+

An Introduction to your Retiree Health Care Account (RHCA), Heathcare Retirement Account (HRA), and Via Benefits (September 2025)

Feel Free to Leave a Comment:

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For generations, “old age” has been measured by the number of years we have lived. Traditionally, turning 60 or 65 was seen as the milestone that marked the beginning of later life. Retirement, Medicare eligibility, and social expectations reinforced this definition. But today, as lifespans increase, health improves, and society evolves, the meaning of “old age” is being redefined.
 

The National Chrysler Retirement Organization’s Aging Information Committee is committed to helping members understand these shifts and their implications. More than ever, age is about vitality, contribution, and perspective—rather than a fixed number.

Why the Traditional Definition No Longer Fits

In the mid-20th century, the average life expectancy in the United States hovered around 65 to 70 years. Reaching retirement age meant stepping into the final chapter of life. But today, many individuals live well into their 80s and 90s, with growing numbers surpassing 100. Improved healthcare, advances in technology, and greater awareness of lifestyle choices have extended both lifespan and healthspan—the years of life spent in good health.
 

Because of these changes, calling someone “old” at 65 no longer makes sense. Many retirees in their 60s and 70s are active volunteers, caregivers for grandchildren, and even entrepreneurs. They are healthier, more engaged, and contributing more than ever before.

A Shift Toward Functional Age

Experts are now shifting from “chronological age” (how many years we’ve lived) to “functional age” (how we feel and function). Functional age considers physical health, cognitive abilities, independence, and emotional well-being.
For example, one 75-year-old may still run marathons, while another might face significant health challenges. Labeling both as “old” based on their birth date alone overlooks the wide spectrum of experiences and capabilities.
 
This shift acknowledges that aging is not uniform—it’s deeply personal. It allows for a more realistic and empowering view of what later life can look like.
 

Cultural and Global Perspectives

The definition of old age also varies across cultures. In some societies, elders are respected as keepers of wisdom and tradition. Age is not seen as decline but as a time of honor and contribution. In Japan, for instance, where life expectancy is among the highest in the world, aging is often embraced as a natural stage of life that brings respect.
 
Meanwhile, in many Western cultures, “old age” has historically been associated with decline and dependency. However, attitudes are beginning to shift as more older adults live active, meaningful lives. This cultural evolution is reshaping how aging is viewed not only in families, but also in workplaces, communities, and policy-making.

What This Means for Retirees

For NCRO members, this new definition of old age offers both freedom and responsibility. It means:
  • Staying engaged: Whether through volunteering, mentoring, or part-time work, retirees have more opportunities to stay active contributors.
  • Prioritizing health: With longer lifespans, maintaining physical and mental health becomes more important than ever.
  • Adapting expectations: Retirement may no longer mean “slowing down.” Instead, it can be a launchpad for new experiences and personal growth.

Importantly, it also means challenging outdated stereotypes. Aging does not automatically mean frailty or irrelevance—it can mean wisdom, resilience, and purpose.

Looking Ahead

As our society continues to age, redefining “old age” has practical implications. Policies around retirement, healthcare, and social services must adapt to reflect the realities of longer, healthier lives. Employers are also rethinking the value of older workers, and communities are exploring ways to be more inclusive of multi-generational participation.
 

The Aging Information Committee will continue to share updates, research, and resources to help members navigate these changes. Through our website, newsletters, and free webinars, we provide tools and insights to support members in embracing aging as a dynamic, fulfilling stage of life.

Conclusion

“Old age” is no longer simply a matter of counting years. It is about how we live, how we adapt, and how we continue to contribute. By moving beyond outdated definitions, we can view aging not as an ending but as an evolving opportunity.
 
For NCRO members, this new perspective is empowering. With health, community, and purpose at the center, the future of aging is not about growing old—it’s about living well.
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National Chrysler Retirement Organization

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