Empowering Retired Teachers Through Connection

The Southern Fairfield County Retired Teachers Association (SFCRTA) supports retired educators through advocacy, community engagement, and vital retirement resources. We protect pensions, promote healthcare awareness, and provide updates on education policy that affects retired teachers in Connecticut. Our members enjoy meaningful connections, local events, and ongoing opportunities to give back. Join SFCRTA today to stay informed, stay connected, and continue making a difference—because retirement is just the beginning of a new chapter in education.

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Southern Fairfield County Retired Teachers’ Association

Working to Protect and Improve Retired Teachers’ Pension and Health Benefits

Pension Protection

SFCRTA advocates for your pension and healthcare, ensuring retirement security for Southern Fairfield County educators—join today!

Retirement Strength

SFCRTA secures your benefits and fosters lasting bonds among retired teachers in Southern Fairfield County now.

Policy Awareness

Stay updated on retirement issues, engage with peers, and contribute to education through SFCRTA membership today.

Newsletter – April 2026

Happy Spring? The question mark above is intended to refer to our weather, although there could be other topics that suggest it, as well. Scholarship Opportunities Our organization has long supported students from our local high schools who plan to study to be an educator through our SFCRTA Book Awards. This year the Southern Fairfield…

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Newsletter – January 2026

Happy New Year! New health insurance checklist Here are some things to do to make the transition to new insurance company coverage go more smoothly for you. You will find the email site information on your id cards. The TRB website also has information through the Open Enrollment page. www.ct.gov/trb Either plan- AETNA Advantage or…

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Newsletter – August 2025

Starting January 1, 2026, everyone who uses TRB health insurance will have a new insurance carrier. Now that we have your attention, let’s talk about what is happening. Our current contract for 2025 is a one-year extension of our UnitedHealthcare contract that began in January 2022. The TRB Health Insurance Committee has reviewed proposals that…

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Newsletter – April 2025

Working to protect and improve retired teachers’ pension and health benefits. Social Security Fairness Act! Even while under duress, Social Security has been acting quickly to disburse funds for back payments to eligible recipients. Understanding just what amount a person should receive can be complicated for several reasons. First, payments for a month are received…

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Newsletter – February 2025

At Last! Social Security Fairness What does it mean for you and is there anything you should do now? No doubt you have heard by now that the Social Security Fairness Act to repeal the WEP and GPO penalties was signed into law by President Biden after decades of effort. This change will impact our…

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Newsletter – December 2024

Happy Winter Social Security Fairness At the time this issue is being written, we do not know the outcome of the efforts to repeal the unfair WEP and GPO provisions that penalize many public employees across the country by reducing or eliminating benefits. The intense efforts of Reps. Graves and Spanberger brought HR82 to the…

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Newsletter – April 2023

TRB Information CORE-CT The Teachers’ Retirement Board staff continues a project to migrate everything to a new cloud-based management system the State has adopted. CORE CT is Connecticut state government’s integrated human resources, payroll, and financial system that will replace the more than twenty-year-old system the TRB has been using. It produces the monthly pension…

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Newsletter – July 2022

Happy Summer! Money Matters COLA You may have heard of other retirement systems that are defined by tiers that delineate many aspects of a retiree’s benefits. While our system is not like this, it turns out that a Teachers’ Retirement System member’s cost of living adjustment (COLA) benefit is determined by a tier that includes…

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Income Tax Deductions for Retirement Income

Issue   Briefly explain the state tax deductions for Social Security, pension and annuity, and individual retirement account (IRA) income. This report updates OLR Report 2021-R-0168.   Social Security Income  By law, Connecticut exempts from its income tax (1) Social Security income the federal government exempts from the federal income tax and (2) depending on a taxpayer’s…

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Newsletter – March 2022

Correction We have been informed by the TRB that it is NOT a total Open Enrollment.  Only those who which to switch from the UHC Supplement plan to the UHC Advantage plan are eligible to make a change by March 31. Time-Limited Window to Make a Change in Your Insurance Plan before March 31, 2022…

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Newsletter — January 2022

Happy New Year!  What’s new and what’s not   Dental Coverage Let’s start with what is not new. Our dental insurance remains with CIGNA. Our dental insurance cards are the same ones we have been using. There is no need to inform your dentist; keep using the card and information you already have for dental…

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Newsletter — November 2021

Your health insurance to-do list, regardless of which plan you choose, Advantage or Supplement. As of January 1, 2022, we will all have new health insurance coverage with United Health Care (UHC). There are notifications and other steps to take so that all works smoothly for the transition. Here are some suggestions: Notify all of…

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Newsletter — August 2021

Breakfast Meeting Canceled We are extremely disappointed to report that our September 30, 2021, SFCRTA Breakfast Meeting is being canceled. When the Leadership Team met at the end of July to finalize details, we were faced with the unfolding news that a return to more restrictive ways of dealing with the COVID-19 spread was on…

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Newsletter — June 2021

Connecticut Legislature Report ARTC 50% Income Tax Exclusion Success! Thanks to members of the Southern Fairfield County Retired Teachers Association (SFCRTA) and Association of Retired Teachers (ARTC), the advocacy of our lobbyists, and CT Legislators, all CT retired teachers will finally realize in this biennium budget the promised 50% State Income Tax exclusion. ARTC was…

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Enthusiastic Part-Time Educators Wanted

New Pond Farm Education Center 101 Marchant Road; West Redding, CT 06896 203.938.2117 gwen@newpondfarm.org   Enthusiastic Part-Time Educators Wanted   Description of Work As an environmental education center with a small working farm, our staff members and part time educators have the opportunity to bring exciting hands-on programs to classrooms in local schools, to teach…

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Newsletter — April 2021

Spring has arrived and we seem to be relying on hope more than ever this year-   hope that everyone has remained safe and able to access the vaccines, hope that everyone will continue to follow the recommended practices to keep us healthy, hope that we can turn our attention to other issues in our…

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Newsletter — February 2021

MEMBERSHIP Thank you for your quick response to our annual membership. While we are not able to offer programs currently, we hope you find this Newsletter informative and that you will want to continue to receive it, and will support SFCRTA. Our membership goes from – January to December. If you have not yet joined,…

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Newsletter — December 2020

We’re here! We are still on duty, looking out for information of importance to our membership. The Board of Directors continues to meet via Zoom. While we were disappointed that the October membership meeting planned for Rolling Hills Club in Wilton had to be canceled, we know that no explanation is necessary. Our speaker was…

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SFCRTA Board Members Share Quarantine Secrets

Our board member Barbara Oppedisano shares the following: “Google’s arts and culture section allows you see portions of museum collections from around the world.  I called it edutainment.  Many of our members travel and may have canceled visits to these museums, so it gives a virtual experience.“ CLICK HERE for this collection of resources Board…

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Newsletter — February 2020

Connecticut Losing Billions of Potential Revenue The Yankee Institute for Public Policy (Mark E. Fitch) reports “Connecticut lost $1.1 billion to other states in 2018 and ranked sixth in the nation for loss of income and wealth to other states.” Retirees make up a significant portion of the income and wealth loss. The Yankee Institute…

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Guest Speaker for 2020 Spring Luncheon

Kathleen Holt, MBA, JD – Associate Director Kathleen Holt joined The Center for Medicare Advocacy in 2014 as Associate Director. Ms. Holt began her career with CIGNA Insurance Company, developing insurance claim process improvement strategies. After obtaining her M.B.A. in Healthcare Management from the University of Connecticut, Ms. Holt helped protect patient rights and expand…

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Medicare Supplement Plan Notification

It seems as if the TRB had not gotten the Supplemental Plan approved by the Insurance Commission All members currently covered through Teachers’ Retirement insurance will be receiving a notice from Anthem in regards to the Medicare Supplement plan. The Medicare Supplement plan coverage had to be adjusted to meet certain Connecticut state mandates. The…

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Newsletter — November 2019

On October 23rd, two hundred and twenty eight SFCRTA members attended a breakfast and listened to Connecticut Attorney General William Tong speak about collusion in the drug industry, specifically in reference to generic drugs. Here are some of his key points: Nearly 90 percent of all prescriptions filled are generic drugs, intended to be an…

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2020 Insurance Updates

Southern Fairfield County Retired Teachers’ Association wants to ensure you are informed of the latest insurance changes and updates for 2020. Click the links below and review attached documents for new plan updates as well as helpful guides to help you navigate the process. Health Insurance Change Form Help with Insurance Selection Form Medicare Advantage/Medicare…

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Newsletter – September 2019

NEW HEALTH INSURANCE INFORMATION RELEASED BY THE TRB Premium Comparison High Level Summary of Plan Differences ∗ Medicare Part B deductible subject to change per Medicare Changes in Plans for 2020 (full plan description to be mailed by carriers) Anthem Medicare Advantage: $10 Office Visit $200 per admission Inpatient Hospital Copay Anthem Medicare Supplement: $10…

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Newsletter — July 2019

WHERE RETIRED TEACHERS STAND IN THE NEW CONNECTICUT BUDGET The legislature has passed a plan proposed by Governor Ned Lamont and Treasurer Shawn Wooden to shore up the critically underfunded teachers’ pension system. The bond covenant will be completely honored but payments will be spread out until 2049 instead of 2032. The plan also includes…

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Newsletter — March 2019

RETIRED TEACHERS’ PENSION & HEALTH INSURANCE FUND Governor Lamont’s budget proposal made it an urgent priority to stabilize the teachers’ pension fund. He noted: “It has been badly underfunded and doesn’t keep faith with our current teachers.” His budget also contributes the State’s full-required appropriation to the Retired Teachers’ Health Insurance Fund. The under funding…

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2019 Spring Luncheon — Wednesday, May 1

Norwalk Inn East Avenue, Norwalk, CT Guest Speaker – Helen Sullivan Administrator – Teacher Retirement Board 10:00 a.m.-10:30 a.m.     Meet and Greet 10:30 a.m. – 11:00 p.m. Business Meeting   11:00 Speaker Luncheon to follow $35.00 per person/Cash Bar Please RSVP by April 17 to Mrs. Esther Flynn, 27 Kendall Ct, Norwalk, CT 06850 Space is…

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Newsletter — February 2019

Fact vs. Fiction: The Reality of Retired Teachers’ Pension and Health Benefits (A summary of an Op-ed. piece written by ARTC President Ed Messina with some additional points.) A main priority for ARTC is to dispel popular myths about retired teacher benefits. Active Connecticut teachers pay 9.7% of their paycheck:7% to Teachers’ Retirement Fund, 1.25% to…

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Insurance Crisis — ACT NOW

CLICK HERE to view the previous entry to read how retired teachers are impacted by the latest insurance crisis…. and how YOU can help!!! But you need to ACT NOW!!!!!   Subject: Retired Teacher Insurance Crisis Keep the State’s promise and not let the Retired Teacher Health Insurance Fund become insolvent. The TRB’s insurance consultant…

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Retired Teacher Insurance Crisis

The retired teachers’ health care account is in a shambles. The TRB has changed the fund to a Medicare advantage plan because the State has underfunded the account by almost $200 million over the last 8 years. The TRB is estimating that there will be an $8 million shortfall in the health fund budget already…

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Anthem Health Insurance Information

Anthem’s First Impressions call center dedicated to TRB members will be open by 3/23. The initial member notification letters are being mailed this week and Anthem will follow with the enrollment guide packets, which will include the list of additional Anthem meetings.  All TRB members will receive the enrollment kits before 4/1. Anthem will be…

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Newsletter — February 2018

The TRB Health Insurance Plan is changing as of July 1, 2018. Open enrollment will begin in mid-April and run until early May. Members will be receiving a preenrollment kit prior to April 1st. The pre-enrollment kit will include a full benefit plan description as well as “Opt-Out” instructions to remain in the Stirling plan.…

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2018 Spring Luncheon — May 9th

Save the date: Date: May 9, 2018 Location: Norwalk Inn Our guest speakers will be: AARP Associate State Director Community Outreach, Erica Michalowski, M.S.W. and Detective Mark D. Solomon of the Greenwich Police Department and CT Financial Crimes Task Force addressing the topic of Senior Frauds and Scams.

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New TRB Health Insurance Plan Meeting

Meeting Details: Date: March 14, 2018 Time: 10:00 a.m. Location: Norwalk Inn Southern Fairfield County Retired Teachers Association will be hosting a meeting on the new TRB Health Insurance Plan. The meeting will be at the Norwalk Inn on March 14 at 10am. Speakers will include Dr. Joe Fields, insurance consultant to the TRB, and…

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Newsletter — December 2017

The State of Connecticut finally has a budget after a lengthy delay. The result is not good news for retired teachers. The promised 50% reduction in our State income tax has been delayed for at least 2 years. The rate, however, will remain at 25% for 2017 and 2018. If you retired and were receiving…

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New Volunteer Opportunities

Volunteer Opportunities at the Kennedy Center in Trumbull The Kennedy Center is one of the most comprehensive rehabilitation facilities in the State of Connecticut, and currently supports 2,400 individuals with disabilities, with vocational, residential, educational, therapeutic, social and recreational programs and services.  The Kennedy Center creates a difference in the lives of individuals with disabilities and…

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President’s Message — Working for you! Join us

Over 80 attended our May luncheon and heard Connecticut Comptroller Kevin Lembo speak. The reaction from those present was overwhelmingly positive. SFCTRA vice president Janess Coffina summarizes Kevin Lembo’s address below. Using a baseball metaphor, Kevin Lembo, Comptroller of the State of Connecticut, spoke about his role: he is the one who calls balls and…

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Life After Retirement — Presentation

Although teachers plan for their financial needs in retirement, planning for emotional and psychological needs is often deferred. For so many, being a teacher is their identity. What happens when you lose that part of who you are? Randy Burnham, author of My Next Phase, will kick off the program with some guiding questions and…

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Spring Luncheon — Wed. May 10

Wednesday, May 10, 2017 Norwalk Inn East Avenue, Norwalk, CT Guest Speaker – Kevin Lembo Comptroller State of Connecticut 10:00 a.m. – 10:30 a.m. — Meet and Greet 10:30 a.m. – 11:00 a.m. — Business Meeting 11:00 — Speaker Luncheon to follow $35.00 per person/Cash Bar To attended this event, please RSVP by April 26.…

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Newsletter — March 2017

In honor of our Past President, John Kane, the SFCRTA Board of Directors has established a $1000.00 Book Award in his name to be given annually. Five Top Tips for Brain Health (reprinted with permission of the Fairfield Senior Times, Bigelow Center for Senior Activities, Fairfield, CT) Dr. Rudolph Tanzi of Harvard Medical School, a…

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Newsletter — January 2017

We have heard from a number of retired teachers that live out of state inquiring as to why they should join SFCRTA if they no longer live in Connecticut. When you retire, you no longer have a bargaining unit to negotiate and protect your pension and health care benefits. Several of SFCRTA board members attend…

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Newsletter — November 2016

By the time this reaches you the election will be over and our country will be embarking on what promises to be a long and difficult healing process. With this new administration and Congress, we will once again have the opportunity to pursue the repeal of the Social Security Fairness agenda, namely the Windfall Elimination…

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Newsletter — June 2016

It has been an eventful and busy year for retired teachers: We have held on to the state income tax exclusion for 2016 (25%) and 2017 (50%) despite a difficult budget session. We had two very successful luncheons, one in October with James Stirling of Stirling Benefits, and one in May with Kevin Graff, ARTC…

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Newsletter — April 2016

What happened in the 2016 short Legislative session that will impact retired teachers? The General Assembly is scheduled to end the first week of May. The speaker for the Southern Fairfield County Retired Teachers’ luncheon on May 11 will be Kevin Graff, lobbyist for ARTC, Association of Retired Teachers of Connecticut. Kevin will give us…

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Newsletter — March 2016

Working to protect and improve retired teachers’ pension and health benefits. President’s Message Working for you! Join us. The 10% reduction on our 2015 state income tax is included in the CT Resident Income Tax forms. You will find it on CT-1040, page 3, and line 45. An update from Social Security Fairness: “In the…

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Fellow Retirees… Are You A Member

Please read this letter to see how we represent you To Fellow Retirees: I thoroughly love being retired; however, it is not without its challenges. What I love most is time: to get up a little later in the morning, to travel off-peak, to do errands off-peak, to design a day as I think best,…

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Learn About Insurance and Cost of Living

ISSUES INSURANCE Group Rates (the negotiated insurance coverage of the system’s active teachers) for retired educators began in 1987. State subsidized $36.70/month. This amount has not changed in twenty four years. The Group Rate continues to go up but the subsidy doesn’t. Working teachers pay 1.25% of their gross income. This year $47,000,000 is collected.…

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WHY JOIN ARTC and SFCRTA?

When you retire, you no longer have a bargaining unit to negotiate and protect your pension and health care benefits.  The Governor and Legislature are now steering your retirement ship.  The Association of Retired Teachers of Connecticut [ARTC] is the only full time organization advocating and lobbying solely for retired teachers. Click here to read…

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SFCRTA & NGT&E

Southern Fairfield County is partnering with the Norwalk Grassroots Tennis & Education program to bring to our members attention unique volunteer tutoring opportunities.  NGT&E works with under-resourced students from low-income families in Norwalk, CT.  Their education program runs Monday through Friday from 3:30 – 5:30 pm. The focus is primarily on homework completion and tutoring,…

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A Call To Action From The ARTC And SFCRTA

Governor Malloy has proposed an overhaul of the State Pension System.  The concern is that the State will have to contribute a staggering 1.5 billion to the State Employees Pension Fund this year alone.  The State Employees Bargaining Agent Coalition’s attorney has stated that any change to the state employees pension is a matter for…

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2016 TRB plan and Changes to Medicare

SFCRTA Meeting Summary of Jamie Stirling’s Comments Oct 23, 2016 Norwalk Motor Inn 2016 TRB plan and Changes to Medicare Health Insurance Premium Account-Currently, the funding from the State budget for 2016 is at 25% (originally was to be 33 1/3%). Active teachers account pay 1.25% of their salary to this account, retired teachers pay…

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Pension Tax

Good Legislative News!! We have heard from our representative that the 10 percent state tax exclusion on our pension, approved by the Legislature, remains in effect for 2015.  It survived the Implementers and is now part of the 2015 budget.  The 25 percent state tax exclusion for 2016 and the 50 percent exclusion for 2017…

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The latest on your Social Security offset

Senator Sherrod Brown (D-Ohio) has introduced a new bill, S.1651, that would repeal both the GPO and the WEP. This bill will be a companion to Rodney Davis’ House bill, HR 973. We are delighted to see this! We have been waiting for this bill for months. We want to thank him and the other…

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Teachers Retirement Board Letter

Dear TRB Health Plan Member: The Teachers’ Retirement Board (TRB) changed our prescription plan and our Pharmacy Benefit Manager January 1, 2015.  If you have claims from 2014 that you purchased at an out of network pharmacy and have not previously submitted them for reimbursement, you need to submit your claim with Caremark immediately to…

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SFCRTA General Meeting notes from April 7, 2015

A large group of SFCRTA’s retirees gathered on April 7 at St. Mary’s Church hall in Norwalk for an informative Power Point presentation led by Benjamin Rhodes III, a Social Security specialist for the CT area. Mr. Rhodes gave a comprehensive review of the current Social Security laws which unfortunately impact adversely on CT teachers…

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JOIN US!

JOIN US! Southern Fairfield County Retired Teachers Coffee/And Tuesday, April 7 @10:00 a.m. Parish Hall St. Mary’s Church West Avenue, Norwalk, CT Parking Lot entrance on Chapel Street Speaker: Benjamin Rhodes, III Social Security Administration Before the meeting, set up your free account at www.socialsecurity.gov/myaccount

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A Teacher Speaks Out

Norwalk HourFeb 28, 2015 Letters to the Editor Repeal this unfair Act To the Editor:       Definitely time for a change in the way Congress deals with Social Security.       During the President Reagan Administration a uni-lateral decision by Congress in 1983 was adopted to take away: 60 percent of the Social Security pension for some government…

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Latest News

We are partnering with the Greater Bridgeport Retired Teachers Association to offer various day and overnight trips for our members. Trip info is available at:  www.gbrta.org OR is here.  The trip coordinator is: Lois Hoyt 54 Fieldcrest Dr. Trumbull, CT  06611 ldh29@aol.com 203-261-6693 Call or email Lois to reserve a spot.  All trips must be paid for 6 weeks prior to the trip.

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Summary of TRB Insurance Meeting

On Oct. 23, about 250 attended a presentation by Jamie Stirling of Stirling Benefits, the administrator of the TRB retiree insurance plan. He provided information on our retiree health insurance, the tie in to Medicare, and, in general, what changes may be ahead in health insurance. Jamie stressed that, because of our input to the Teacher…

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Social Security Information

Did you know that 1/3 of all teachers risk being penalized by GPO and WEP in retirement, losing some or all the Social Security benefits for which they or their spouse paid the required Social Security taxes? If you work in a government job where you are not allowed to pay into Social Security, you…

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SFCRTA MEETING NOTES April 10, 2014

The Southern Fairfield County Retired Teachers’ Association met with Lou Laccavole, the Fiscal Administrative Supervisor of the Connecticut State Teachers’ Retirement Board on April 10, 2014. Darlene Perez, the Administrator of the TRB was scheduled to speak but was unable to attend. Mr. Laccavole gave us a quick overview of the TRB and some of…

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Repeal The GPO

Action Alert #58 – Remind Mr. Obama! Jan 21, 2014 11:44 am | SS Fairness Social Security Works sent out a reminder that we have to continue the fight against the Chained CPI: “Last year, President Obama put a Social Security cut called the Chained CPI in his budget. Since then Americans from all political…

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November 2013 Newsletter

 President’s Message Working for You! Join Us.     Did you know that the shingles vaccine, which was initially not covered by your TRB (Teacher’s Retirement Board) Health plan, is now covered? You contacted the TRB and they listened. If you paid for the shingles vaccine, contact Stirling Benefits (203.647.0628) for reimbursement. We are keeping a…

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Newsletter August 2012

The Southern Fairfield County Retired Teachers’ Association Provides: opportunities for retired teachers from Darien, Greenwich, Norwalk, New Canaan, Stamford, Wilton, Weston and Westport to meet together. contributions to scholarships given to Connecticut students for college. information regarding issues concerning retirees. a voice addressing those issues We need your support to strengthen that voice regarding the…

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Newsletter – Feburary 2014

President’s Message Working for you! Join us. Retired teachers’ health insurance continues to be an area of great concern to the SFCRTA. The original intent of the TRB Health Insurance Premium Account (HIP A) was to defray the cost of health insurance premiums for retired teachers. The State promised to contribute an estimated one-third of…

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JOIN US!

JOIN US! Southern Fairfield County Retired Teachers Coffee/And Monday, October 13, 2013 @10:00 a.m. Parish Hall St. Mary’s Church West Avenue, Norwalk, CT Parking Lot entrance on Chapel Street Important Meeting: New Information on TRB Drug Prescription Plan Changes Q/A to follow Speaker: Dr. Joe Fields, Health Care Consultant TRB

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Home

WELCOME to Southern Fairfield County Retired Teachers Association! Our Mission Statement Working to protect and improve retired teachers’ pension and health benefits In an effort to reduce costs and have more funds available to serve our membership we would like to reduce our mailing expenses and send more newsletters via email. If you look below…

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HEALTH INSURANCE COVERAGE UPDATE

AT THE ARTC MEETING ON Tuesday, October 21, 2014 Stirling Benefits Provided the attached information. The attached files were provided to update our members on the 2015 insurance coverage taking place beginning January 2015.   Please click on the links below to view each of the 3 handouts.   2015_Premium_Information.doc 2015_Coverages.doc 2015_Express_Script_Formulary.doc

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FROM THE CEA BLOG

The House and Senate voted to keep the Appropriations Committee funding for the retired teachers’ health insurance fund in the final budget.  We are heartened that the General Assembly recognizes the importance of maintaining the state’s commitment to the fund and has moved in the right direction by including a 25% contribution that will keep…

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Follow these links for the latest Health Care Information: