NCRO Leadership TeamThe NCRO

Leadership Team

by NCRO

NCRO Leadership Team

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

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

by Dale Koch

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

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

Option 1: Exchanging Currency Before You Travel

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

Pros:

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

Cons:

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

Best For:

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

  • Those who prefer having money ready upon arrival.


Option 2: Using ATMs Abroad

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

Pros:

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

Cons:

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

Best For:

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

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


Tips to Save Money on Foreign Currency

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

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

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

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

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

Notify your bank or credit card company before traveling!

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


Final Verdict: ATMs Usually Win

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

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

Safe travels and happy adventures!

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AgingAging Information Committee BlogBlog

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

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

Normal Changes vs. Red Flags

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

Final Thoughts

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

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

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

The Problem: Excessive Delays and Denials

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

Insurers’ Promises to Improve the System

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

What Retirees Should Do Now

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

The Bottom Line

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

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

Use this button to Copy and Paste the letter

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

[Date]

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

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

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

Dear Medicare Appeals Department,

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

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

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

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

Sincerely,

[Your Signature]

[Your Printed Name]

Use this button to Copy and Paste the letter

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

[Date]

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

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

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

Dear Medicare Appeals Department,

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

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

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

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

Sincerely,

[Your Signature]

[Your Printed Name]

Notes:

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

Member Discounts & Helpful Links

by NCRO

Benefit links and information provided by Stellantis / FCA

NCRO Member Discounts and Services

NCRO Member Preferred Web Sites

Government Agencies

Department of Labor

Filing a Charge of Employment Discrimination

Senior’s Rights and Benefits

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

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

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

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

Pension and Non-Health Care Benefits

by NCRO

 

PENSIONS:

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

If You Have a Question

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

Send Email

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AgingAging Information Committee BlogBlog

He Lost $42,000! Protecting Your Email from Browser-Based Hacking

by Dale Koch

The Call That Cost $42,000”

Derek Mathis, a cautious small business owner, never expected to be scammed. One morning, he received an urgent email from his accountant—or so he thought—asking him to confirm a $42,000 wire transfer. At the bottom was a phone number to call his bank if he had concerns.

Suspicious but in a rush, Derek called the number. A calm, professional voice claimed to be with the bank’s fraud department. They asked for his full name, account details, and phone number to “secure” his account.

In reality, the email was fake, and the call routed to scammers. Using the info Derek provided, they performed a SIM swap—convincing his phone carrier to transfer his number to a new SIM in their control. Derek’s phone lost service shortly after.

With access to his texts and authentication codes, the scammers quickly drained $42,000 from his account. By the time Derek contacted his real bank, the money was gone.

Looks real, steals for real — always verify before you trust.

Protecting Your Email from Browser-Based Hacking

Email accounts are prime targets for cybercriminals, especially when accessed through web browsers (like Chrome, Safari, or Edge). Hackers use phishing, malware, and browser vulnerabilities to steal login credentials and personal information. Here’s how to keep your email secure:
 

Common Email Hacking Risks via Browsers

  1. Phishing Attacks
    • Fake login pages mimicking Gmail, Yahoo, or Outlook trick users into entering passwords.
    • Always check the URL before logging in—look for “https://” and the correct domain (e.g., mail.google.com).
  2. Malicious Browser Extensions
    • Some extensions secretly capture keystrokes (including passwords).
    • Only install extensions from official stores (Chrome Web Store, Apple App Store).
  3. Session Hijacking
    • If you stay logged in on a public computer, someone else could access your email.
    • Always log out after using email on shared devices.
  4. Keyloggers & Spyware
    • Malware can record everything you type, including passwords.
    • Use antivirus software and avoid downloading suspicious files.

How to Secure Your Email in Browsers

 
✅ Use Strong, Unique Passwords
  • Avoid simple passwords like “password123.” Use a mix of letters, numbers, and symbols.
  • Consider a password manager (like Bitwarden or 1Password) to store credentials securely.
✅ Enable Two-Factor Authentication (2FA)
  • Adds an extra step (e.g., a text code or authentication app) to verify your login.
  • Set up 2FA in your email account settings.
✅ Check for HTTPS & Browser Security
  • Never log in if the website lacks “https://” (the “s” means secure).
  • Look for a padlock icon in the address bar.
✅ Clear Browser Cache & Cookies Regularly
  • Stored data can be exploited. Go to browser settings and clear history/cookies periodically.
✅ Avoid Public Wi-Fi for Sensitive Logins
  • Hackers can intercept data on open networks. Use a VPN (like NordVPN or ProtonVPN) for added protection.
✅ Beware of Fake “Security Alert” Emails
  • Scammers send urgent warnings (e.g., “Your account has been locked!”) to steal logins.
  • Never click links in suspicious emails—log in directly through the official website.
Don't wait until it's too late. Take the right steps!

What to Do If Your Email Is Hacked

  • Change your password immediately.
  • Check for unauthorized forwarding rules (hackers often set up auto-forwarding).
  • Scan your device for malware using trusted antivirus software.
  • Notify contacts if spam is being sent from your account.
Final Reminder: Stay Alert & Update Often
Cyber threats evolve constantly, so staying cautious with emails, social media, and smartphones is key. Always verify suspicious messages, keep software updated, and use strong security measures.
 
Disclaimer: The tips provided are general recommendations and may vary based on your device, browser version, or email provider. For detailed guidance, consult official support resources from Google, Apple, or your email service. The National Chrysler Retiree Organization is not liable for any unauthorized access resulting from individual security practices.
 
Stay safe and secure online! 🛡️
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AgingAging Information Committee BlogBlog

Protecting Your Digital Life: Essential Cybersecurity Tips for Retirees

by Dale Koch

Protecting Your Digital Life: Essential Cybersecurity Tips for Retirees

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

6 Digital Threats Every Retiree Should Know

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

Smartphone Protection Guide

General Tips for All Devices

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

Android-Specific Steps

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

iOS-Specific Steps

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

Stay Vigilant

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

Email Security Essentials

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

If Hacked:

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

Stay Safe Online

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

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

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

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

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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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AgingAging Information Committee BlogBlog

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

by Dale Koch

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

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

1. Identifying the Right Fitness App for Your Needs

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

Key Features to Consider:

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

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

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

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

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

Recommended Apps for All Abilities:

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

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

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

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

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

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

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

Step 1: Input Your Health & Fitness Level

Most apps ask about your:

  • Age

  • Weight (optional)

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

  • Any injuries or limitations

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

Step 2: Choose the Right Workout Type

Look for categories like:

  • Beginner-friendly

  • Seated exercises

  • Stretching & mobility

  • Walking programs

  • Balance & fall prevention

Step 3: Adjust Settings for Safety

  • Enable low-impact alternatives if available.

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

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

3. Making the Most of Your Fitness App

Start Slow & Listen to Your Body

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

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

Combine Different Activities

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

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

Track Progress & Celebrate Small Wins

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

  • Reward yourself for consistency—even small efforts count!

4. Additional Tips for Retirees & Seniors

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

  • Stay Hydrated: Keep water nearby during workouts.

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

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

Final Thoughts

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

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

Stay active, stay healthy, and keep moving!

ALSO READ:

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

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