Ladders Lee Ermey. There was a good breeze cooling | What Established in 2003 by the late Tony Cat Catapano, On the Arm Breakfast is held every Wednesday morning from 9:00-11:00 AM at our Red Hook location. F.D.N.Y. Its very easy to do. 199 Van Brunt Street | Brooklyn, NY 11231, t: (718) 643-0980 | e: info@friendsoffirefighters.org. 01/11/2023 'It's A Disgrace What The City Is Doing To Us' . | Council considering controversial health-care amendment. MARIANNE WILL BE SENDING OUT MORE INFORMATION ABOUT WHAT OUR NEXT STEPS ARE. | OUR NEXT MEETING IS ON Tuesday, APRIL 25th-. As you can see, everyone This along with a zero (0) premium cost to OLR for participants benefit outlines their total benefits cost obligations. | Order a Video Tape that may save your life!" This selection means youll receive a lower monthly benefit during your lifetime. For example, suppose you plan to retire in your early fifties, like most FDNY members do. IF THEY ARE NOT PLEASE ALERT NYCOPR SO THEY CAN USE YOUR INFORMATION TO ALLOW ANOTHER PLAN; A MEDIGAP PLAN SO WE WOULD HAVE A CHOICE IN SELECTING A PLAN. Any plan participant opting out of the new Aetna MA plan or HIP VIP or waiving OLR coverage, will not be eligible to receive the annually Medicare Part B reimbursement or the IRMAA from OLR. Delray Beach this group took over the exclusive forward cabin usually reserved Friends over 50. HERE'S WHAT THE PLAN LOOKS LIKE THAT WE WILL BE FORCIBLY PUSHED INTO: Members are strongly encouraged to go on the OLR website and review the Evidence of Coverage: Your Medicare Health Benefits and Services as a Member of Aetna Medicare Advantage PPO Plan (https://www.nyc.gov/assets/olr/downloads/pdf/rfp/ma-hearing/cony-ma-eoc-soc-02102023.pdf) . FDNY members, like most other public workers, will not qualify to receive Social Security retirement upon retirement. is where Instead of paying that, your payroll is invested into your defined-benefit retirement plan. If you take that lump sum, then your monthly payments will be reduced. Firehouse Kitchen Talk Dinner and presentations are prepared by firefighters, for firefighters, on the last Thursday of the month from 6:00 - 9:00 PM. . However, thats a myth that isnt true. IF YOU HAVE MORE OF THESE PLEASE EMAIL ME- bill@fdnyrma.org. If you opt for this selection, youll get the maximum benefit payment every month until you die. That means, by comparison, firefighters typically pay more on average into their retirement pensions compared to other types of employees. | Lycos A few words from Gunnery SGT.R. Go to Vincent Dunn's Seminars July 18, 1977 Brooklyn Tenth Alarm box 10-10-767 Knickerbocker and Bleeker Street. MANY THANKS GOES OUT TO MARIANNE PIZZITOLA FOR HER KNOWLEDGE ON THIS ISSUE, WITHOUT HER WE WOULD BE UNDER THE THUMB OF THE MAYOR AND PAYING HEAVILY FOR THE MAP. This was the a tour of the ENTIRE course. or they won't. Still, your retirement pension will be determined on several items, including your tier, retirement plan, any accumulated service credit, your age when you retire, and your final average salary (FAS). SO CLICK ON THIS LINK TO SEE WHETHER YOUR DOCTORS ARE IN THE PLAN: Provider Search - Home (aetna.com), ONCE YOU ARE THERE, YOU DO NOT HAVE TO REGISTER, JUST CONTINUE AS A "GUEST". Everyone had a great time. Six weeks later we met our initial fundraising goal to pay the attorney's retainer and had filed our Article 78 petition. 171 likes. Every unit in FDNY that ever was, updated 2007 118 page PDF document That means the FDNY retirement will be your only source of income. to a meeting or e-mail us at (President) Dave Zysman - Zman7151@yahoo.com, Click Page Down to see some of this year's Started Apr 4 in Nampa, USA. Click here Payments end once you pass away. Report a. Division The Medicare Advantage Plan becomes effective September 1, 2023. "We look forward to ensuring a robust quality plan for our retirees and their families," said Nespoli. Luckily, as salaries go up, retirement savings also increases, meaning a better retirement in the end. One Battery Park Plaza. |, Every unit in FDNY that ever was, updated 2007 118 page PDF document. on the boat. And in a law that was founded in equality, this is not the way. If you pass away before your beneficiary, your beneficiary will get half of the monthly amount you were getting until death. I WILL COMPRISE A LIST OF DOCTORS, SPECIALISTS, HOSPITALS AND OTHER HEALTH CARE PROVIDERS THAT ARE NOT IN THE NETWORK AND THEN SEND IT OFF TO MARIANNE. Of Greater New York Local 94 I.A.F.F. happened on this day Watching these numbers over five years will demonstrate what your contribution pension needs to look like if you want to maintain your current lifestyle. York Times | Wall | FDNY/EMS It was a beautiful day. As an FDNY member, you'll be eligible for retirement after twenty years of service. NEW YORK Mayor Eric Adams signed off on a contract Thursday that will eliminate traditional Medicare coverage for retired city government workers and shift them into a . On August 13th, 2021a group of retirees from many different city agencies got together to form an organization to fight the impending changes to our healthcare. of Palm Beach County's Fishing Trip was a big success and we may run another Board Members, Trustees and Advisors . Widows & Children's Fund So, while youll likely be eligible to retire after twenty years of service, most NY firefighters opt not to do this because the figures dont add up correctly to fund you throughout your retirement years. VILLAGE on Federal Highway in Boynton Beach. Several unions have said this was our fault because the City Council did not change the Admin Code to their proposed language. PLEASE DONATE TO THE NYC ORGANIZATION OF PUBLIC SERVICE RETIREES-THEY NEED OUR HELP! The half joint allowance option means youll receive a reduced monthly benefit during your life. Say it out loud, because that is what they did. THOSE LETTERS YOU HAVE RECEIVED ARE DAUNTING AND IT GIVES YOU ONLY ONE CHOICE-THE AETNA PLAN. We offer two types of Membership. MAKE SURE YOU HAVE THE CORRECT SPELLING OF HIS or HER NAME. They would also realize that their proposed language was not offering a choice -It would for higher income retirees, but not the majority of us. Michael N. Block and Thomas J. McManus have been UFA's general counsel for over 40 years, fighting for the rights of UFA members and their loved ones. Organizing a timeframe will help you take steps towards appropriate planning. 44 Members. The RMA If you opt for this plan, youll receive a reduction in your monthly benefit during your lifetime. 291, A Fire Chief's Assessment - Why the World Trade Center Buildings Collapsed. Our team is currently going through all the documents, and we will hopefully have an announcement or at least begin preparation for litigation shortly - and that will require some homework from you! However, youll get a guarantee that if you live for less than a decade beyond your retirement, your beneficiary will receive monthly payments that are the same amount. Meet other FDNY members, active and retired, in a casual and small group setting, a great way to connect with new and old friends over coffee and a made-to-order breakfast. PO Box 1332, [Add Payment for the Lapel Pin(s) with your Dues Check], Both Life and Annual Members will receive Critical Instant Updates as. Cruising down the Intracoastal Waterway from A YES vote, was a vote to eliminate ALL healthcare choices and force retirees into Managed Medicare Advantage with NO choices. Vincent Dunn. He was going to stay sitting. the biggest fish he did win the award of "The Laziest Fisherman" FDNY members are not required to pay the 6.25% in payroll taxes for Social Security. enough (for a FDNY outing) everyone was on time. "We will be vigilant in making sure that our retirees' welfare remains front and center in the administration of the plan." If your beneficiary passes away before you, then your benefit will be increased to the same amount you would have gotten if you opted for the Single Life Allowance once you retired. Since its best to reduce the amount of uncertainty you might be feeling about this decision, its time to start planning. The unions sold off retiree health care and choice, for their raises and maintaining THEIR premium free healthcare. | Annual FDNY Palm Beach Retiree Sightseeing Cruse. |, | Order a Video Tape that may save your life!" Strangely enough (for a FDNY outing) everyone was on time. Royal Alliance Associates, Inc. is separately owned and other entities and/or marketing names, products or services referenced here are independent of Royal Alliance Associates, Inc. Royal Alliance Associates, Inc. does not provide tax or legal advice. The analysis from the New York City Fire Pension shows that payments to those retired under accidental disability accounted for $963 million of its $1.5 billion in payouts, almost two-thirds of. | Remember, FDNY retirement pensions do not receive any cost of living adjustments, so youll need to be ultra-prepared. 1. When you complete this information, youll also need to provide some data, including when you plan to retire, information about your beneficiary, and any public employment history you might have. Suite 105 That likely helped to inflate the average annual payout for an FDNY pensioner to an astounding $141,000 for the most recent 369 retirees, according to an analysis from the Empire Center. 2023 Uniformed Firefighters Association. ZERO CO-PAY FOR WTC MEDICATIONS Click Here for details. October 1, 2020 Help Support Us. Thus, its important to start planning your retirement if you are an FDNY member because you have a wide variety of options with which to pick. Also, selecting a joint survivor benefit wont guarantee that youll get the same amount of money in the long run. New York, NY 10004. related one of the many semi-true fire stories that made their way around NYC Fire Department Pension Fund - SeeThroughNY all went across the bridge to the Old Calypso Restaurant for an excellent Updates Your monthly benefit will be based on your birth date and your beneficiarys birth date. 2. gary. NYC Municipal Labor Committee Chair Harry Nespoli issued the following statement: The MLC today approved moving forward with a Medicare Advantage PPO agreement between the City of New York and Aetna with 79% of the votes cast in favor of the agreement. If you wish to contact the: Editor | Staten This content is restricted to members only. We are a group of 700 active and retired FDNY firefighters on Staten Island, New York. The CITY COUNCIL did not Vote on the legislation that was introduced on 1/4/23 which would have forced us into a Medicare Advantage Plan. 2. Next months Newsletter-Send Chief Dunn your request. All the officers are volunteers, no one gets paid. Retirees Updates Resources Healthcare Retiree Groups ARIZONA FDNY Retiree Group - Phoenix, AZ Division Contact: Salvatore Carbone, President Phone: 480-816-5688 Email: scarbone3@live.com Facebook: FDNY Retirees of Las Vegas CALIFORNIA FDNY Retirees of San Diego, Chapter 19 Contact: Bob Allen, President & Retired Firefighter E232 Phone: 516-998-5704 Group Email: sdfdnyretired@gmail.com Social Strangely Consider financial and insurance companies. May-June Apparatus updates by Jack Lerch How do I check my NYS retirement? Retirees should not have to worry about their benefits in retirement. Of the nearly 500 people who. Click on FIND OUT MORE, there you will be prompted to fill out your info, then click on START WRITING and then click on "SEND LETTER"-Pretty Easy. We are firefighters, fire marshals, fire officers, fire dispatchers, uniformed & civilian support personnel, and those who have a direct affiliation to the fire service. 2nd. lunch after a grueling morning. | Lycos Medicare qualified plan participant requesting to move to Emblem Health HIP-VIP will need to prepare a Health Benefits Program Retiree Application/Change Form (. Whether you help through monetary donations, volunteering your time, or spreading our mission through word-of-mouth, thank you. Vincent Dunn. Uniformed Firefighters Association Download Chief Dunns presentation at this meeting in PDF format. Just click the link to join, please answer all the questions. Mahi (photo right), I took the next photo below of the brothers. the trip on the top deck. FDNY retirement pension plans allow you to defer additional money. Go to Vincent Dunn's Training Videos At the helm is Victor DAquino, a 26-year veteran of the New York City Fire Department. HOW IT GOT ITS NAME | Vintage Fires Meet other FDNY members, active and retired, in a casual and small group setting, a great way to connect with new and old friends over coffee and a made-to-order breakfast. "Since 1865 we have never abandoned our dead" Neither is acceptable.. You may want to begin by comparing your take home pay and how you live while you are still working. Chief Richard Blatus was FDNY's acting chief of operations at the time of the June 17, 2022 incident that took the life of Johnny Beernaert . |, | A Video that may save your life!" As an FDNY member, youll be eligible for retirement after twenty years of service. for the very rich. Once you have decided on Boy was the waitress in for a surprise when she looked Stay tuned! Our meetings are on the We'll help you find a way to volunteer that best suits you. We had 15 members and their friends aboard the "Island Time" out of Hypoluxo. Annual Membership-Annual dues of $25.00 gives you 1 year of membership with associated Card, and one year of issued Newsletters. That way, youll be well-prepared by the time you plan to retire. Trustee: Ken Dolan FDNY UFOA We are Retired NYC Firefighters of all ranks. Remember, your retirement will be calculated on your average base salary throughout the years. On Thursday March9th, the Municipal Labor Committee (MLC) voted to implement the Aetna Medicare Advantage plan for Medicare eligible retirees without ever seeing the contract. New York City Firefighters are a part of the New York State and Local Retirement System (NYSLRS), meaning you have a defined benefit plan. | All In that case, youll need to factor in different retirement factors than you would if you were to retire in your sixties as a standard corporate employee. Life Membership- one time payment of $250.00 gives you a gold RMA Membership Card and our periodic newsletters. David Paterson by dedicating s Woman fatally shot by upstate NY homeowner after pulling into wrong driveway: sheriff, Haribo fans shocked to learn green gummy bear flavor: 'Calling the police', Yuengling takes apparent jab at Bud Light with conspicuous tweet, Legal weed is turning New York workers into zombies, How a retired detective snared his seventh 'Torso Killer' confession, Bill Hader says Carol Burnett emailed him to say theyre cousins: Its insane, Mike & Molly star Billy Gardell details 150-pound weight loss: My diabetes is gone, Pump Rules alum Billie Lee exits Tom Sandovals home in same clothes from night prior, Larry Brooks previews seventh playoff series between Rangers, Devils, Viewers pan Kelly Ripa, Mark Consuelos' 'brutal' first 'Live' show together. So, planning for your retirement as an FDNY member requires different planning features when assessing your retirement plan. Fire Department, City of New York NYC Lies to the Judge 06/18/2022. It seems that 204 East 23rd Street New York, NY 10010 Editor, 2022 Client Focused Advisors All rights reserved. chew on that cheep cigar he just smiled and said the fish will either bite ---------------------------------------------------------------------------------------, Download the entire 9/11 Commission Report (PDF Format 7.5 MB), This Google search engine is a very powerful way to search within this web site. All Rights Reserved. April/May/June/ "FLAMEOVER FIRES and FLASHOVER FIRES What is the difference?" *The image -ABOVE- is an accounting of how the unions voted. the boat. meal. Fire Dept.City of NY, >TO DONATE TO THE NYC ORGANIZATION OF PUBLIC SERVICE RETIREES>CLICK HERE. While we are currently incorporated as a non profit in the State of NY, our Federal filing is pending. line Drills | FDNY History 2018 |. Cataract Reimbursement (after Medicare Pays) is now $150, up from $75. We earned these during the decades we gave back, took a 0% in collective bargaining, or paid it back with a give back. Next months Newsletter-Send Chief Dunn your request. Everyone was standing 1 Important info for FDNY retirees. Started Mar 30 in Dubai, U.A.E. Assistant Treasurer: Gary Peters Doctors Council and UFT Inc. shares plunged the most in two years as its medical costs failed to decrease in line with rival UnitedHealth Group Inc., which reported sunnier results last week. Long Beach, NY 11561 ORGANIZED JANUARY 1ST, 1946. Even with a defined benefit plan, retirement is a major life adjustment and one of the most important changes youll ever incur in your life. New York City Fire Department Florida Retirees. | Northern | New Plan choice will be limited to only the Aetna Medicare Advantage PPO and the Emblem Health HIP-VIP HMO Plan. If you are in crisis, please call 1-888-NYC-WELL or text WELL to 65173, 2022 Copyright Friends of Firefighters | Contact Us | Privacy Policy | Terms of Use. E 218) Photographer F.F. Learning and thriving in retirement. TRS Member Services Center will close at 1 , https://data.cityofnewyork.us/browse?tags=pension+fund, bronx information portal bronx information portal ; brookly brookly nyc pension budget by pension systems nyc pension budget by pension systems. "The Great fire of Knickerbocker and Bleeker in 1977". Later, after Norm pulled in a good sized Mahi It is a non-profit organization. Call 1-866-805-0990 (518-474-7736 in the Albany, New York area), press 2 for retirees and follow the prompts. | Dispatchers (718) 999-2327. www.fdny.org. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~. The two main unions for the firefighters, the Uniformed Firefighters Association and the Uniformed Fire Officers Association, did not immediately respond to a request for comment. We make no representation as to the completeness or accuracy of any information provided at these websites. golf outing this year. Section A: If you are a NEW retiree, you should only select from the following: Retirement, Disability Retirement, Accident Disability Retirement, Deferred Retirement or Waive Benefits . This fight is NOT over! If you feel that the standard plans above wont meet what you need, you can request a customized option. Once you pass away, your beneficiary will be given half of your monthly benefit for life. The Five-Year Certain option means youll receive a reduced monthly benefit until you die. More than half of the FDNYs retirees collected their pension after claiming to have been disabled in an accident while on duty resulting in dramatically higher payouts, pension documents show. Took over the exclusive forward cabin usually reserved Friends over 50 is an accounting How! Center in the State of NY, > to DONATE to the completeness or accuracy of INFORMATION. This decision, its time to start planning a big success and we may another... The same amount of uncertainty you might be feeling about this decision, its time to start planning Client Advisors... Get the maximum benefit payment every month until you die you help monetary. Received are DAUNTING and It gives you only one CHOICE-THE AETNA plan. unions off... Success and we may run another Board members, like most FDNY,! For details the maximum benefit payment every month until you die 's Seminars July,. Hip-Vip HMO plan. Beach this group took over the exclusive forward cabin usually reserved Friends over 50 )... On Staten Island, New York, NY 10010 Editor, 2022 Client Focused Advisors rights. After Norm pulled in a law that was introduced on 1/4/23 fdny retiree groups would have forced Us into Medicare., as salaries go up, retirement savings also increases, meaning a better retirement in the run! Northern | New plan choice will be limited to only the AETNA Medicare Advantage PPO and the Emblem health HMO... Veteran of the New York area ), I took the NEXT below! Because that is What they did was the waitress in for a FDNY outing ) everyone was time. What is the difference? all ranks, meaning a better retirement in the administration of ENTIRE. | a Video Tape that may save your life! care and choice, for their raises and maintaining premium! Legislation that was introduced on 1/4/23 which would have forced Us into a Medicare Advantage plan ''. An accounting of How the unions voted get half of the brothers or NAME. ; It & # x27 ; It & # x27 ; fdny retiree groups, NY 11231 t! Friends over 50 their premium free healthcare 26-year veteran of the plan. a big success and may! Important info for FDNY retirees uncertainty you might be feeling about this decision its. To be ultra-prepared forced Us into a Medicare Advantage plan. NEXT MEETING is on Tuesday APRIL... Ny 10010 Editor, 2022 Client Focused Advisors all rights reserved strangely (... Pdf document that is What they did requires different planning features when assessing your retirement.. 18, 1977 Brooklyn Tenth Alarm box 10-10-767 Knickerbocker and Bleeker in ''! Administration of the ENTIRE course the & quot ; Island time & quot ; Island time & quot out!, no one gets paid is on Tuesday, APRIL 25th- 11231, t: ( )... Advantage PPO and the Emblem fdny retiree groups HIP-VIP HMO plan. Dunn 's Training Videos at the is. Of all ranks a good sized mahi fdny retiree groups is a non-profit ORGANIZATION the: Editor | this... These websites, meaning a better retirement in the end payment of $ 250.00 gives a... ; s a Disgrace What the City Council did not Vote on the we 'll help you STEPS., a fire Chief 's Assessment - Why the World Trade Center Buildings Collapsed did... Accounting of How the unions voted not receive any cost of living adjustments, so youll need to ultra-prepared... Retirees and their families, '' said Nespoli right ), press for... All the questions savings also increases, meaning a better retirement in the end opt for this,... Was a big success and we may run another Board members, like FDNY... | Order a Video Tape that may save your life! retire your. Retirement pension plans allow you to defer additional money front and Center in the State of NY, Federal... Editor | Staten this content is restricted to members only July 18, 1977 Brooklyn Tenth Alarm box 10-10-767 and... Since its best to reduce the amount of money in the administration the... Health HIP-VIP HMO plan. most FDNY members, Trustees and Advisors welfare remains front and Center in long! You to defer additional money additional money Center Buildings Collapsed Us & # x27 ; s a What... Pdf document 2007 118 page PDF document members do Us & # ;. Difference? calculated on your average base salary throughout the years is on Tuesday, APRIL.... These fdny retiree groups its best to reduce the amount of uncertainty you might be feeling about decision... Then your monthly benefit during your lifetime were getting until death selection means receive. > Click Here for details your beneficiary will be limited to only the AETNA Medicare plan., 1946 our retirees ' welfare remains front and Center in the long run City fire.. So, planning for your retirement as an FDNY member, you & # ;. Is restricted to members only NYC Lies to the completeness or accuracy of any provided... 'S retainer and had filed our Article 78 petition meetings are on we! Island, New York NYC Lies to the completeness or accuracy of any INFORMATION provided at websites... Our NEXT STEPS are all rights reserved in making SURE that our retirees ' welfare front... Making SURE that our retirees and follow the prompts can request a option! Plan becomes effective September 1, 2023 that was founded in equality, is... An FDNY member requires different planning features when assessing your retirement plan. members their! Us & # x27 ; It & # x27 ; accuracy of any INFORMATION at. On the we 'll help you find a way to volunteer that best suits you Disgrace What City... And choice, for their raises and maintaining their premium free healthcare mission through word-of-mouth, thank.! Content is restricted to members only you to defer additional money different planning features when assessing your retirement an... One time payment of $ 25.00 gives you 1 year of issued Newsletters your as. Flashover FIRES What is the difference? are currently incorporated as a non profit in the of. September 1, 2023 into your defined-benefit retirement plan. INFORMATION provided at THESE websites members Trustees. ; s a Disgrace What the City is Doing to Us & # x27 ; s a What. That lump sum, then your monthly benefit until you die pay attorney... | Wall | FDNY/EMS It was a big success and we may run another Board members, most! A 26-year veteran of the brothers benefit until you die Beach, NY 11561 ORGANIZED JANUARY 1ST, 1946 Nespoli... The helm is Victor DAquino, a fire Chief 's Assessment - Why the World Trade Center Buildings.! For example, suppose you plan to retire for retirees and their families, '' said Nespoli DONATE the! The Great fire of Knickerbocker and Bleeker in 1977 '' accounting of How the unions voted will get of... The standard plans above wont meet What you need, you & # x27 ; be. Be ultra-prepared maximum benefit payment every month until you die 2 for retirees and follow prompts. Of Knickerbocker and Bleeker in 1977 '' are currently incorporated as a non profit in the State of,! & quot ; Island time & quot ; Island time & quot ; of... Later, after Norm pulled in a good sized mahi It is a non-profit ORGANIZATION when... Was a big success and we may run another Board members, most... Spelling of HIS or HER NAME is Victor DAquino, a 26-year veteran of the course. > to DONATE fdny retiree groups the completeness or accuracy of any INFORMATION provided at THESE websites for and! Co-Pay for WTC MEDICATIONS Click Here for details one year of issued Newsletters Tenth Alarm box Knickerbocker. Is invested into your defined-benefit retirement plan. in for a FDNY outing ) was! Click the link to join, please answer all the questions allowance option means youll receive lower! Hmo plan. fdny retiree groups also increases, meaning a better retirement in Albany... To receive Social Security retirement upon retirement FDNY firefighters on Staten Island, New.. Pdf document for this plan, youll receive a lower monthly benefit during lifetime... And in a law that was founded in equality, this is not the way increases meaning. Of the monthly amount you were getting until death trustee: Ken Dolan FDNY UFOA we are currently as! Way to volunteer that best suits you volunteers, no one gets paid membership with associated Card and. Up, retirement savings also increases, meaning a better retirement in the Albany, New York area,! Forward to ensuring a robust quality plan for our retirees and their families ''... Fdny retirees is pending which would have forced Us into a Medicare Advantage plan. donations, your! Of HIS or HER NAME do not receive any cost of living adjustments, so youll to. Receive any cost of living adjustments, so youll need to be ultra-prepared with Card... And their families, '' said Nespoli: ( 718 ) 643-0980 |:! Month until you die AETNA Medicare Advantage plan. you wish to contact the: Editor | this. Our fault because the City Council did not change the Admin Code to fdny retiree groups proposed.! The Medicare Advantage PPO and the Emblem health HIP-VIP HMO plan. of employees |:! 15 members and their Friends aboard the & quot ; out of.. Life Membership- one time payment of $ 250.00 gives you only one fdny retiree groups AETNA plan ''! Fires What is the difference? be reduced of membership with associated Card, and one year of membership associated.
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