NATIONAL AFL-CIO WEBSITE RECOGNIZES RETIREE PARADISE, NEW WEBSITE ONLINE

NATIONAL AFL-CIO WEBPAGE RECOGNIZES NEW “RETIREE PARADISE” WEBSITE!

An innovative Retiree Website online publication named Retiree Paradise was created for the APWU of Florida State Retiree Chapter, APWU, AFL-CIO and launched on November 15, 2006 at
www.retireeparadise.blogspot.com to serve over 3,000 APWU of Florida State Retiree Chapter ACTIVE AND RETIREE dues paying members and their families residing in the State of Florida zip code 320 thru 349 and wherever they move out of state.
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The National AFL-CIO website recognized the new APWU Retiree website in an article on Jan. 3, 2007, and Postal Reporter.com and 21st Century Postal Worker.com provided links from their sites to the Retiree Paradise website.

New policies grandfathered in from the National APWU Retirees Department implemented in October, 2006 require that any APWU Retiree member paying $24.00 year or $2.00 month to the National APWU Retirees Department in Washington, D.C. must be listed as a Chapter member from the APWU Local Union they were a member of prior to retirement from the U.S. Postal Service, NO MATTER WHERE THEY LIVE IN THE WORLD!
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The only exception would be if they requested in writing to be transferred to a Retiree Chapter in the state where they have moved to, such as Florida!

Jack Gose, President of the State Retiree Chapter, is the first Editor of the new Retiree Newsletter Website Online named “RETIREE PARADISE.” The State Retiree Chapter Constitution & By-Laws address the need for a Retiree Editor to communicate and share information with APWU active and retiree members and their families, and the website was created FREE using Blogger Beta by Jack Gose online at
www.retireeparadise.blogspot.com for the benefit of everyone to access and share info.

Our APWU of Florida State Retiree Chapter Online Newsletter leads the nation in new ideas, and is a Proud member of the APWU National Postal Press Association, Florida Postal Press Association, and Florida Alliance for Retired Americans. The State Retiree Chapter was chartered in March, 2002 and this fantastic original Retiree website is a Work in Progress for anyone who expresses a Labor of Love, which is what Unionism is All About. No State APWU Retiree union dues to pay!

You will find many interesting Retiree articles and photos on this new website to titillate your imagination. If you have any questions or comments concerning RETIREE PARADISE, contact Jack Gose, President and Editor, at my home phone 727-343-2998 or E-mail me at
www.jak.gose@excite.com with your articles, suggestions, or comments.

JOHN SARDIN, JR. APPOINTED AS CHAPTER HISTORIAN

Jack Gose, President, APWU of Florida State Retiree Chapter, AFL-CIO, has appointed John Sardin, Jr. to the newly created post of Historian, which position was unanimously approved by the Chapter Executive Board meeting on Wed., Oct. 25, 2006 in Fort Myers, FL. John was born in 1922, and he is enjoying his 64 years of labor union involvement. He is a highly respected individual serving as the first APWU Vice President at Large on the Florida AFL-CIO Executive Board for several years, and is currently the Treasurer of the Florida Suncoast Retiree Chapter, Suncoast Area Local #1228 covering 337 and 346 zip code areas of Florida.

The CHAPTER HISTORIAN shall maintain an accurate historical record of the APWU of Florida State Retiree Chapter, AFL-CIO, prior to and after the issuance of a founding charter granted by the American Postal Workers Union on March 15, 2002, and to keep up with the historical facts of all National APWU, National AFL-CIO, APWU of Florida State, Florida AFL-CIO, National Alliance for Retired Americans, and Florida Alliance for Retired Americans labor related events. He will share with APWU Active and Retiree dues paying officers, stewards, members, and their families by timely distribution and publication of informative, interesting historical articles in the Florida Postal Worker and at conventions, conferences, and seminars.

REVIEW OF 2006 EVENTS AND PREVIEW OF 2007 ACTION

Elizabeth Cramer, APWU Southern Region Retiree National Convention Delegate, Steve Cramer, Dave and Phyllis Bernstein, Richard and Arlene Lambrigger, and Jack Gose participated in an open luncheon and business meeting at Holiday Inn Select in Ft. Myers. Beth Cramer wants everyone to know she attended all the active and retiree meetings at the National APWU Convention in Philadelphia in August.
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A motion was unanimously passed for the Chapter to send up to two (2) Chapter Officer/Delegates to the National APWU Retiree Conference and Clerk Craft Conference to be held in Las Vegas, NV at the Las Vegas Hilton Hotel from Mon., Nov. 5 thru Thur., Nov. 8, 2007 to ensure having two Delegates with voice and vote at both events.

Jack Gose, Dave and Phyllis Bernstein joined over 100 other Postal Workers on Thur., Oct. 26, 2006 to picket the Main Post Office in downtown Ft. Myers, opposing the consolidation plans for 139 post offices of the U.S. Postal Service, which actions will slow down the service and eliminate postmarks on local mailings, including St. Petersburg, Daytona Beach, Fort Lauderdale, and Ft. Myers. The message was delivered by APWU active and retiree marchers loud and clear, “DON’T LET OUR MAIL SERVICE FALL APART,” as TV, Cable, Radio, and Newspaper Media on the scene recorded APWU History for the Ages!

The Chapter encourages all active APWU Area Local/Local Executive Boards and active membership to affiliate with Florida Alliance for Retired Americans (FLARA) at 25 cents per member, per year, with a minimum of twenty (20) members or $5.00 year dues to receive a charter from FLARA.
Jack Gose distributed a Happy Folder containing an APPLICATION FOR AFFILIATION WITH FLARA to each of the APWU Area Local/Local Presidents attending the Local Presidents Conference all day meeting on Wed., Oct. 25, 2006. The APWU leaders of today need to get involved in politics and progressive legislation to protect and preserve our jobs, active and retiree benefit programs!

The 3-hour Retirement Class at the APWU of Florida Fall Seminar on Sat., Oct. 28, 2006 in Ft. Myers had a Wonderful Surprise Turnout with thirty (30) signing in, about half coming from Southwest Florida Area Local and the rest hailing from ten (10) other local unions. The expected retirement years offered by the attendees ranged from 2007 to 2040.
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Linda Springer, Director of Office of Personnel Management, informed us that sixty percent (60%) of the Federal Employee workforce will become eligible to retire within the next ten (10) years, and forty percent (40 %) will actually retire as soon as they become eligible. Doug Holbrook, National APWU Retiree Director, who taught the retirement seminar, states that 137,000 APWU craft members will become eligible to retire by 2016.
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My advice is for everyone to sign up for the next APWU OF FLORIDA SPRING 3-DAY RETIREMENT COUNSELOR SEMINAR to be taught in April, 2007. Early Outs are always an Option!

National APWU officer elections are to be held in 2007, and over 40,000 APWU Retiree dues paying members will get to vote for their National APWU Retiree Director for the first time as a result of Delegate Convention action. Several Retirees will be running for the coveted top spot, and we are already getting feelers from potential candidates who are jockeying for position to win the $90,000. salary annually plus benefits and travel expenses.
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The National APWU Southern Region Convention Delegate elected spot is going to attract several notable candidates as well we hear. We wish all the candidates the best, and hope the winners will lead us to greater progress in 2007.

OPM ANNUITY, SOCIAL SECURITY COLA, AND MEDICARE INCREASES IN 2007

Federal retirees covered by Civil Service Retirement System (CSRS) and regular military retirees will receive a 3.3 percent COST OF LIVING (COLA) increase in 2007. Employees who retired under the new Federal Employee Retirement System (FERS) and are 62 or older will receive 2.3 percent COLA. There are about 2.4 million federal retirees worldwide.
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Social Security checks for nearly l49 million retirees are going up 3.3 percent in 2007, an average of $33.00 per month. The 3.3 percent hike compares to 4.1 percent benefit rise in 2006, the biggest increase in 15 years. One-third (1/3) of retirees rely on Social Security for ninety (90) percent or more of their total income.
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Part of the gain will be eaten up by a $5.00 jump in Medicare Part B Health Insurance from $88.50 to $93.50 monthly, a rise of 5.6 percent.

Our entire APWU of Florida State Retiree Chapter Executive Board members wish everyone smooth sailing, and a HAPPY and HEALTHY NEW YEAR in 2007!

Jack Gose, President, APWU of Florida State Retiree Chapter.
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(POST SCRIPT: The below news was received after the above article was submitted unedited to the Florida Postal Worker for publication.)
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Our thanks to the National APWU Communications Department managed by Sally Davidow and National APWU Retirees Department directed by Douglas Cowan Holbrook, for providing a link from the National APWU website "State and Local Links" webpage and a link from the National APWU Retiree Dept. website "State and Local Retiree Chapters webpage to the "Retiree Paradise" website of the APWU of Florida State Retiree Chapter at www.retireeparadise.blogspot.com to access and share late breaking retiree news.
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We give our thanks also to the Suncoast Area Local #1228 of Florida Office Manager Diane McDaniel for setting up a link from their Area Local Union Retiree webpage to the new Florida State Retiree website "Retiree Paradise," and we welcome any other APWU, AFL-CIO, union local or state organization in the world, including active or retiree union dues paying members or their family members who wish to link up with our innovative "Retiree Paradise" internet online website to go to www.retireeparadise.blogspot.com and feel free to do so for access and sharing of up to date retirement information hot off the wires!
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Jack Gose, Editor and Webmaster

Jan 2007 FLARA Legislative Conference, Tallahassee, FL

2007 FLARA LEGISLATIVE CONFERENCE & EB MTG IN TALLY MARCH 21-22, 2007!

All 3000 APWU of Florida State Retiree Chapter Officers, Members, and Families are invited to the annual Florida Alliance for Retired Americans (FLARA) Legislative Conference and Executive Board meeting on Wed., March 21 thru Thurs., March 22, 2007 to be held in the Holiday Inn and Suites, 2725 Graves Rd, Tallahassee, FL 32303, near Exit 199 from I-10 go north on N. Monroe St. US 27.

The FLARA group hotel room rate is $69.00 to $129.00 night sgl/dbl, depending on building location, plus 11.5 % tax for FLARA members. Please phone 1-850-536-2000 or toll-free 1-800-345-8082 to ask for the FLARA special group rate, with check in on Tue., March 20 after 4 pm. Check out time is 11 am. FLARA will have a full 2-day agenda.

FLARA will have meetings from 9 am to 5 pm on Wed., Mar. 21 and Thur., Mar. 22 to include special invited elected officials and legislators from the national and state scenes and guest speakers covering Retiree issues such as Social Security, Medicare, Health Insurance, Prescription Drugs, Medicaid, and Housing. Our APWU of Florida State Retiree Chapter and APWU Local Retiree Chapter officers, members and families are urged to attend these meetings!

For more info, phone Jack Gose, FLARA Vice President, at 727-343-2998!

2007 AN INNOVATIVE NEW RETIREE WEBSITE CREATED ON INTERNET

A new Retiree News Web publication named “Retiree Paradise,” was launched on November 15, 2006 by APWU of Florida State Retiree Chapter to serve over 3,000 APWU of Florida State Retiree Chapter retiree dues paying members and their families residing in the State of Florida zip code 320 thru 349 and wherever they move out of state.

New policies grandfathered in from the National APWU Retirees Department implemented in October, 2006 require that any APWU Retiree member paying $24.00 year or $2.00 month to the National APWU Retirees Department in Washington, D.C. must be listed as a Chapter member from the APWU Local Union they were a member of prior to retirement from the U.S. Postal Service, NO MATTER WHERE THEY LIVE IN THE WORLD!
The only exception in the future would be if they requested in writing to be transferred to a Retiree Chapter in the state where they have moved to, such as Florida!

Jack Gose, President of the State Retiree Chapter, is the first Editor of the new website. The State Retiree Chapter Constitution & By-Laws address the need for a Retiree Editor to communicate and share information with APWU active and retiree members and their families, and the website was created FREE online using Blogger Beta at
www.retireeparadise.blogspot.com !

Any questions or comments, contact Jack Gose at my home phone 727-343-2998 or E-mail me at
jak.gose@excite.com !

2007 NATIONAL AFL-CIO RECOGNIZES NEW RETIREE WEBSITE!

DIRECT ONLINE FROM AFL-CIO NEWS THAT WORKS NOW WEBPAGE!

LOTS TO SAY by Tula Connell, Jan 3, 2007 at www.afl-cio.org National AFL-CIO website in Washington, D.C. 20006.

The e-mailbag got pretty full over the holidays—just now catching up on your news and comments.

In the next few weeks, the AFL-CIO Now blog will introduce its first-ever comment section—allowing you to comment directly to blog posts and discuss issues among each other.

In the meantime, if you have news or comments, keep sending them to: blognews@aflcio.org.

Jack Gose of South Pasadena, Fla., tells us about a new website for Postal Workers (APWU) retirees and other retired union members.

APWU of Florida State Retiree Chapter, AFL-CIO, has created a new website named “Retiree Paradise” at http://www.retireeparadise.blogspot.com/ for AFL-CIO active and retiree members and their families to access and share retirement information.

As Brother Gose says:
When a union member retires from the workplace, everything that affects the retiree also affects the family members either directly or indirectly as well!

Congratulations to Brother Gose and all APWU retirees on this great move into the NetRoots!

2006 APWU RETIREES 100 YEARS AND COUNTING!

(This article written by Douglas Cowan Holbrook, National APWU Retirees Department Director first appeared in the November/December 2006 issue of The American Postal Worker magazine.)
100 Years and Still Counting!

As we celebrate the 100th anniversary of our union it is important to remember the men and women who established the union a century ago and the struggles they encountered. The struggle, of course, continued for their successors, and continues today.

When I reflect on our history, I am very proud of the APWU’s accomplishments. We must remember that it took great determination; the gains were never given to us; we had to fight for everything we have today. The union’s institutional memory must pay tribute to all our members and, as they retire, they must not be forgotten. Without their efforts, we would not be here today.

The current and future retirees have paved the road to tomorrow, and as they retire most of these members show that they would like to play a vital role in our future. I hope that our locals will invite retirees to meetings and ask them to share some of their history. We have a wonderful history, and active members would be well served to hear the personal experiences of retirees.

Encourage your retirees to join the Retirees Department of APWU and to work toward establishing a chapter in your local. If you need information regarding the establishment of a APWU Retirees chapter, please call the national department at 202-842-8585 or 877-279-8669 (877-APWU NOW).

National Convention:
The delegates attending the conference in Philadelphia prioritized the legislative issues that they consider to be of great importance to current and future retirees:

Protection of federal Civil Service annuities.
Opposition to privatization that would adversely affect job security for postal workers.
Guaranteeing Social Security for current and future retirees.
Protection of health benefits.
Making healthcare more affordable.
Amending Section 125 of the federal tax code to allow pre-tax dollars to be put toward health care.
Repealing the Social Security Government Pension Offset and the Windfall Elimination Provisions.
Legal permission for drugs made in the USA to be reimported.
Improving Medicare coverage.
Guaranteeing Medicare for current and future Retirees.
Supporting legislation that would provide for longterm care.

Retired National Officers:

The following former national officers were in attendance at the Retirees Conference held just before the national convention:

Sam Anderson (Special Delivery Messengers director);
Wallace Baldwin (Clerk Division assistant director);
Willie Bryant (Maintenance Division regional representative);
Alton Fouche (Maintenance Craft vice president); David Johnson Sr. (executive vice president);
Jim Lingberg (Maintenance Division director);
John P. Richards (Industrial Relations director); and
John R. Smith (Mailhandlers director and Retirees Department director).

Retiree(s) of the Year:
The Retirees Department asked each chapter to submit the names of members they would nominate as Retirees of the Year and we received 11 nominations.

Each of these members has made outstanding contributions to the union, the department, and their community. The following received Outstanding Retiree of the Year awards:

Samuel Anderson, Chicago Local (president)
John Donovan, San Diego Area Local
George Hendricks, Western Michigan Area Local
David Johnson Sr., Omaha Area Local
Donald Ross, Chicago Local (president, Retirees chapter)
William Scott, Chicago Local
Valentine Serpico, Broward County (FL) Area Local
Beverly Shealy, Cleveland Area Local (president, Retirees)
Paul Snider, Toledo Area Local.

The following pair received Retiree of the Year awards:

Wallace Baldwin Jr., Atlanta Metro Area Local (president, Retirees chapter), and active member of the Fulton County Office of Aging, the Community Affordable Housing group, and the Georgia Military and Federal Employees Coalition;

and Jack Gose, Suncoast Area Local (president, Retirees chapter) and vice president, Florida Alliance for Retired Americans.

2007 STATE RETIREE CHAPTER CREATES NEW ONLINE WEBSITE, "RETIREE PARADISE!"

NEW RETIREE WEBSITE LAUNCHED!

An innovative daily Retiree Newsletter publication, “21st Century APWU of Florida State Retiree Chapter, AFL-CIO, News Official Website Online,” was launched on November 15, 2006 to serve over 3,000 APWU of Florida State Retiree Chapter active and retiree dues paying members and their families residing in the State of Florida zip code 320 thru 349 and wherever they move out of state.

New policies grandfathered in from the National APWU Retirees Department implemented in October, 2006 require that any APWU Retiree member paying $24.00 year or $2.00 month to the National APWU Retirees Department in Washington, D.C. must be listed as a Chapter member from the APWU Local Union they were a member of prior to retirement from the U.S. Postal Service, NO MATTER WHERE THEY LIVE IN THE WORLD! The only exception would be if they requested in writing to be transferred to a Retiree Chapter in the state where they have moved to, such as Florida!

Jack Gose, President of the State Retiree Chapter, is the first Editor of the new Retiree Newsletter Website Online named “RETIREE PARADISE.” The State Retiree Chapter Constitution & By-Laws address the need for a Retiree Editor to communicate and share information with APWU active and retiree members and their families, and the website was created FREE using Blogger Beta by Jack Gose online at
www.retireeparadise.blogspot.com in response to the new generation Universe we call Home! It feels great to live in Florida!

Our APWU of Florida State Retiree Chapter Online Newsletter leads the nation in new ideas, and is a Proud member of the APWU National Postal Press Association, Florida Postal Press Association, and Florida Alliance for Retired Americans. The State Retiree Chapter was chartered in March, 2002 and this fantastic original Retiree website is a Work in Progress for anyone who expresses a Labor of Love, What Unionism is All About. No State APWU Retiree union dues to pay!
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You will find many interesting Retiree articles and photos on this new website to titillate your imagination. If you have any questions or comments concerning RETIREE PARADISE, contact Jack Gose, President and Editor, at my home phone 727-343-2998 or E-mail me at www.jak.gose@excite.com with your articles, suggestions, or requests. I have Verizon Freedom package 24/7 in the United States and DSL with Yahoo Blogger Beta style! I Love You!
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Jack Gose, President

2006 NATIONAL APWU RETIREE AMENDMENTS ADOPTED!

FLASH NOTICE: The below synopsis of Retiree resolutions adopted by elected Delegates at previous National APWU Biennial Conventions only includes articles and sections where the name "Retiree(s)" appear. To review a up-to-date complete unabridged copy of the National APWU Constitution and By-Laws, go online to www.apwu.org and click on Secretary-Treasurer Department in the pull down menu, and click on the word Constitution located on the left sidebar! (Editor)
ARTICLE 2 - OBJECTIVES.
Section 12. (Page 3) The APWU shall encourage the formation of state and area local/local retiree chapters of the APWU Retirees Department in every state and territory of the United States, in order that all APWU dues-paying retirees and their families shall have access to state and area local/local APWU Retirees Department chapters to continue to fight for those issues which affect APWU members, retirees, and their families. (* Resolution submitted by Jack Gose, Suncoast Area Local #1228 of Florida, and adopted by Delegates at National APWU Convention held in Minneapolis, MN on Wed., Aug. 14, 2002)
ARTICLE 3 - MEMBERSHIP.
Section 4 (c). (Page 4) Members of this union who retire from employment in an APWU bargaining unit may maintain full membership with all rights of such membership by continuing to pay full per capita taxes to the APWU plus whatever local dues may be required by their local union. They shall receive a ballot from the division they last served while on active duty.
Retirees whose APWU full dues/per capita payments have lapsed, due to extenuating circumstances, may appeal for reinstatement to the APWU National Secretary-Treasurer, providing supporting documentation and accompanied by written verification by the local president and secretary-treasurer. The APWU Retirees Department Director shall review retiree appeals for full dues membership reinstatement, report a recommendation to the APWU National Secretary-Treasurer who shall present the appeal, findings, and recommendation to the National Executive Board for a final determination.
(d) (Page 4 & 5) As an alternative, such retirees shall have an option to choose to maintain full National membership with the National APWU only, by paying full National per capita taxes to the APWU plus Twenty-four ($24.00) Dollars to the APWU Retirees Department, and shall be accorded full voting rights in National Officers Election in accordance with existing provisions of the Constitution. (* Resolution No. 1 addition submitted by Jack Gose, Suncoast Area Local #1228, APWU and APWU of Florida, amended and adopted by the elected Delegates at the National APWU Convention held in Los Angeles, CA on Wed., Aug. 25, 2004)
Retirees who pay full dues to the national and local state organizations shall be permitted to vote during contract ratification. (* Resolution addition submitted by Pennsylvania Postal Workers Union and adopted by the elected Delegates at the National APWU Convention held in Philadelphia, PA on Wed., Aug. 16, 2006)
(e) (Page 5) All retirees who desire to become members of the APWU Retirees Department shall pay Twenty-Four Dollars ($24.00) per year per capita tax to the National Union. Such retirees shall elect the Retirees Department Director (Resolution ref Retirees Dept. Director election amended and adopted by the elected Delegates at National APWU Convention held in Philadelphia, PA on Wed., Aug. 16, 2006) and five (5) delegates to the national convention. The Retirees Department Director and each Retiree National Convention Delegate will have a voice and one (1) vote at the national convention. The five (5) Retiree National Convention Delegates shall be paid necessary expenses to attend the national convention. (*Original Resolution submitted, amended, and adopted by the elected Delegates at the National APWU Convention held in Detroit, MI on Wed., Aug. 17, 1994)
ARTICLE 8 - DEPARTMENT AND ADMINISTRATIVE OFFICES.
Section 11. (Page 15) Director, APWU Retirees Department. The Director, APWU Retirees Department, shall be responsible for the Department. He/she shall be charged with the responsibility of directing the objectives of the department, but not limited to: legislative and political activity, administering retirement educational programs, organizing new Retirees Department members and Local and State Retiree Chapters, to service the needs of the retired members and their survivors, and such other duties as may be assigned to him/her. He/she shall work under the direction of the President. His/her salary shall be Eighty-Nine Thousand One Hundred Seventy-Six Dollars and No Cents ($89,176.00) per annum, plus expenses.
ARTICLE 11 - NOMINATIONS.
Section 2 (m). (Page 23 & 26) Candidates for Director, APWU Retirees Department and Retiree National Convention Delegate must be members in good standing of the APWU Retirees Department, paying Twenty-Four Dollars ($24.00) per year per capita tax to the national union. A member of the APWU Retirees Department in good standing may request a nominating petition and may nominate himself or herself or any other member in good standing of the APWU Retirees Department to be a candidate for Director, APWU Retirees Department, and he/she will be elected by members of the APWU Retirees Department nationwide, or a candidate for Retiree National Convention Delegate for the region that he/she will represent, and he/she will be elected from that region. Members in good standing who are nominated by others and are not self-nominated, will be notified that they have been so nominated and must agree in writing to accept the nomination before their names can be placed on the ballot.
Section 3 (a). (Page 26) Any eligible member may secure an official petition from the Secretary-Treasurer on May 1 through June 1 of the election year. Such petitions will be duplicated by each candidate at his/her own expense and must be received no later than June 15 at 5 p.m. at a box designated by the Secretary-Treasurer. Candidates shall provide in such petitions a certification signed by them, stating: "I am a member in good standing of the ______Division." "I am employed by __________." "The title of my job is __________." "I am retired:____________." "I am not retired." Candidates for Director, APWU Retirees Department and Retiree National Convention Delegate shall certify that they are members in good standing of the APWU Retirees Department and are not employed by the United States Postal Service.
(d) (Page 27) In the event of the death of a nominee for any office or Retiree National Convention Delegate, the National Executive Board shall be empowered, in its own discretion, to take such action consistent with federal laws as it deems necessary, including but not limited to, the holding of new nominations and election for the affected office(s).
ARTICLE 12 - ELECTION PROCESS.
Section 4 (a). (Page 28) Write-in votes shall not be valid, counted or considered. Any unopposed candidate duly-qualified by nominating petition for office or Retiree National Convention Delegate, after nomination petitions have been closed, shall be declared elected, and his/her name shall not appear on the ballot.
Section 7. (Page 29) National Officers and Retiree National Convention Delegates shall be elected by mail ballot of the members for a three (3) year period, effective November 1 of the election year.
ARTICLE 16 - FISCAL YEAR, REVENUES, AND CHARTERS.
Section 2 (i). (Page 43) Local Retiree Chapters chartered to be engaged in APWU Retirees Department Programs shall receive forty percent (40%) of the annual retiree per capita tax per retiree member of that local chapter. State Retiree Chapters will receive forty percent (40%) of the annual retiree per capita tax per retiree member of that State Retiree Chapter who does not belong to a Local Retiree Chapter. (*Resolution addition submitted by Michigan Postal Workers Union and adopted by the elected Delegates at the National APWU Convention held in Los Angeles, CA on Wed., Aug. 21, 1996)
State Retiree Chapters shall receive twenty percent (20%) of the National Per Capita per Retired Member in that state, once fifty percent (50%) or more of the state retiree membership has been organized and chartered into Local Retiree Chapters by the National APWU. (* Resolution sentence addition was submitted by Jack Gose, APWU of Florida, and adopted by the elected Delegates at the National APWU Convention held in Philadelphia, PA on Wed., Aug. 16, 2006)
Ten (10) or more APWU Retirees Department members, residing within local or area local geographical jurisdiction, may form a Local Retiree Chapter. (* Resolution sentence addition was submitted by Jack Gose, Suncoast Area Local #1228 of Florida, APWU of California, and Michigan Postal Workers Union and adopted by the elected Delegates at the National APWU Convention held in Minneapolis, MN on Wed., Aug. 14, 2002)
There will be an establishment of membership jurisdiction procedures which allows for a retired member residing outside the zip code representation jurisdiction of their home APWU Local from which they retired, the option of assigning their Local Retiree Chapter membership and forty percent (40%) annual dues rebate to their home Local Retiree Chapter.

2006 ANCIENT WEBMASTER LIFE STORY!

Jack Gose, Editor and Webmaster of 21st Century APWU of Florida State Retiree Chapter, AFL-CIO, Official News Online Website office is located at 6839 1/2 Park Street South, South Pasadena, Pinellas County, along the Gulf of Mexico, Florida 33707-2123, Retiree Paradise, U.S.

Jack Gose is a survivor in many ways, born in 1928 on a farm in rural southwestern Tazewell County, Va. during the Great Depression era. Returning from Pacific area in World War II, he graduated from college and married his sweetheart, Patsy Jean Cowan, on Sept. 15, 1951.
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They have 3 living sons and 3 grandchildren. Jack is a Lifetime Member of the Disabled American Veterans, Veteran of Foreign Wars, Am Vets, and the American Legion. He loves to organize new programs and innovative projects, setting up a solid foundation with an organization constitution and by-laws which will weather the years.
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He believes change is needed in Legislation and Politics, to balance the best interests of the American people!
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2006 ORIGINAL RETIREE WEBSITE!

www.apwuflorida.org
CHAPTER OFFICERS
CHAPTER HISTORY
LOCAL RETIREE CHAPTERS
CHAPTER MEMBERSHIP
CONGRESS/LEGISLATIVE
10 DO'S AND 10 DON'TS
22 RETIREMENT TIPS
SURVIVOR ACTION INFO
15 REASONS TO CALL OR WRITE OPM
4 REASONS TO CALL OR WRITE APWU
RETIREE LINKS

2006 LABELS FOR RETIREE ARTICLES!

APWU OF FLORIDA STATE RETIREE CHAPTER 11-15-2006 (1)
APWU OF FLORIDA STATE RETIREE CHAPTER 11-25-2006 (1)
APWU OF FLORIDA STATE RETIREE CHAPTER 11-26-2006 (3)
APWU OF FLORIDA STATE RETIREE CHAPTER 11-27-2006 (6)
APWU OF FLORIDA STATE RETIREE CHAPTER 12-11-2006 (5)
APWU OF FLORIDA STATE RETIREE CHAPTER 5-10-2006 (2)
FLORIDA POSTAL WORKER Apr 2004 (1)
FLORIDA POSTAL WORKER Apr 2005 (1)
FLORIDA POSTAL WORKER Apr 2006 (1)
FLORIDA POSTAL WORKER Aug 2003 (1)
FLORIDA POSTAL WORKER Aug 2004 (1)
FLORIDA POSTAL WORKER Aug 2005 (1)
FLORIDA POSTAL WORKER Aug 2006 (1)
FLORIDA POSTAL WORKER Dec 2002 (1)
FLORIDA POSTAL WORKER Dec 2003 (1)
FLORIDA POSTAL WORKER Dec 2004 (1)
FLORIDA POSTAL WORKER Dec 2005 (1)
FLORIDA POSTAL WORKER Dec 2006 (1)
FLORIDA POSTAL WORKER Feb 2003 (1)
FLORIDA POSTAL WORKER Feb 2005 (1)
FLORIDA POSTAL WORKER Feb 2006 (1)
FLORIDA POSTAL WORKER Jan 2002 (1)
FLORIDA POSTAL WORKER Jun 2002 (1)
FLORIDA POSTAL WORKER Jun 2003 (1)
FLORIDA POSTAL WORKER Jun 2004 (1)
FLORIDA POSTAL WORKER Jun 2005 (1)
FLORIDA POSTAL WORKER Jun 2006 (1)
FLORIDA POSTAL WORKER Mar 2002 (1)
FLORIDA POSTAL WORKER Mar 2003 (1)
FLORIDA POSTAL WORKER Mar 2004 (1)
FLORIDA POSTAL WORKER Mar 2005 (1)
FLORIDA POSTAL WORKER Mar 2006 (1)
FLORIDA POSTAL WORKER May 2003 (1)
FLORIDA POSTAL WORKER May 2004 (1)
FLORIDA POSTAL WORKER May 2005 (1)
FLORIDA POSTAL WORKER May 2006 (1)
FLORIDA POSTAL WORKER Nov 2002 (1)
FLORIDA POSTAL WORKER Nov 2003 (1)
FLORIDA POSTAL WORKER Nov 2004 (1)
FLORIDA POSTAL WORKER Nov 2005 (1)
FLORIDA POSTAL WORKER Nov 2006 (1)
FLORIDA POSTAL WORKER Oct 2002 (2)
FLORIDA POSTAL WORKER Oct 2003 (1)
FLORIDA POSTAL WORKER Oct 2004 (1)
FLORIDA POSTAL WORKER Oct 2005 (1)
FLORIDA POSTAL WORKER Oct 2006 (1)
FLORIDA POSTAL WORKER Sep 2003 (1)
FLORIDA POSTAL WORKER Sep 2004 (1)
FLORIDA POSTAL WORKER Sep 2005 (1)
FLORIDA POSTAL WORKER Sep 2006 (1)
FSRC Nov 1998 (3)
SRC News Aug-Sep 2002 (1)
SRC News Jan-Feb 2005 (1)
SRC News Mar-Apr 2005 (2)
SRC News May-Aug 2003 (1)
SRC News May-Aug 2006 (3)
SRC News Nov-Dec 2006 (1)
SRC News Oct-Dec 2001 (3)
Suncoast Area Local Oct 1998 (1)

2006 RETIREE PARADISE LAYOUT INDEX:

A. Blogger Beta (Logo)
B. Navbar (Configuration)
C. Retiree Paradise (Header)
D. Blog Posts
E. Logo
F. Retiree Website Archives
G. Add A Page Element
H. Sidebar Page Elements

2006 RETIREE WEBSITE ARCHIVES!

2006 (78)
December (3)
2006 21ST CENTURY APWU OF FLORIDA STATE RETIREE CH...
2006-2008 LINKS TO MAKE YOU HAPPY!
2006 STATE RETIREE CHAPTER EXECUTIVE BOARD
November (75)
2006 CENTENARIAN RETIREES MOST POPULAR LINKS IN TH...
2006 FIVE (5) REASONS TO CALL OR WRITE APWU TO STA...
2006 FIFTEEN REASONS TO CALL OR WRITE OPM TO REFR...
2006 SURVIVOR ACTION INFO WAKE UP CALL!
2006 TWENTY-TWO (22) RETIREMENT TIPS TO MAKE YOUR ...
2006 TEN (10) RETIREMENT SUGGESTIONS SHOCKER!
2006 CONGRESS & LEGISLATIVE ACTION ASAP!
2006 FLORIDA CHAPTER MEMBERSHIP ALIVE!
2006 LOCAL RETIREE CHAPTERS SEE THE LIGHT!
CHAPTER HISTORY FOR THE AGES!
2006 APWU OF FLORIDA STATE RETIREE CHAPTER OFFICER...
2006 NATIONAL APWU RETIREES DEPT. CONFERENCE IN PH...
2006 JOHN SARDIN, JR., APPOINTED AS HISTORIAN OF F...
2006 FLORIDA ALLIANCE FOR RETIRED AMERICANS EB MEE...
2006 APWU OF FLORIDA FALL SEMINAR IN FT. MYERS, FL...
2006 NATL APWU CONVENTION HIGHLIGHTS IN PHILADELPH...
2006 NATIONAL ALLIANCE FOR RETIRED AMERICANS CONST...
2006 APWU OF FLORIDA STATE RETIREE CHAPTER CONVENT...
2006 CONSTITUTION & BY-LAWS OF APWU OF FLORIDA STA...
2006 FLORIDA ALLIANCE FOR RETIRED AMERICANS CONVEN...
2006 THIRD BIENNIAL APWU OF FLORIDA STATE RETIREE ...
2006 OBSESSIVE-COMPULSIVE DISORDER (OCD) DO YOU HA...
2006 OLDER POPULATION EXPLOSION IN FLORIDA! DO YO...
2006 SHOWING RECOGNITION FOR CHAPTER MEMBERSHIP AT...
2006 NATIONAL APWU CONVENTION HISTORY FOR THE AGES...
2006 FLORIDA SUNCOAST RETIREE CHAPTER BULLETIN BOA...
2006 WELCOME TO NEW TAMPA AREA LOCAL #259 RETIREE ...
2005 MEET MY FRIEND, MR. SAPO (SPANISH FROG)!
2005 FLARA EB MEETING IN PALM BEACH GARDENS, FL
2005 CONSERVATIVE RIGHT WING STRATEGY IS DESTROY S...
2005 JACK GOSE MEETS PRESIDENT JOHN SWEENEY!
2005 FLARA CONVENTION DELEGATES ELECT JACK GOSE 2N...
2005 BETH CRAMER APPTD AS BENEFITS DIRECTOR!
2005 FLARA CONVENTION IN DAYTONA BEACH SHORES, FL....
2005 WHAT YOU CAN DO TO STOP PRIVATIZATION!
2005 SEVEN STAGES OF ALZHEIMERS DISEASE!
2005 FLARA LEGISLATIVE CONFERENCE, TALLAHASSEE, FL...
2005 FSRC FREE LUNCHEON TO FIRST 40 RETIREES SIGNI...
2005 FLORIDA SUNCOAST RETIREE CHAPTER 7-YEAR REVIE...
2005 APWU NATL POSTAL PRESS ASSN CONF IN RENO, NV....
2004 NATL APWU RETIREMENT COUNSELING SEMINAR IN BO...
2004 APWU OF FL STATE RETIREE CHAPTER ACTIVE IN FL...
2004 NATL APWU CONVENTION IN LOS ANGELES, CA.
2004 NATL APWU HEALTH PLAN SEMINAR IN LAKE BUENA V...
2004 FLARA EB & LEGISLATIVE MTG NEW PORT RICHEY, F...
2004 FLARA ANNUAL CONVENTION, LAKE BUENA VISTA, FL...
2004 ARA 1ST REGIONAL CONFERENCE, JAX, FL

2006 21ST CENTURY APWU OF FLORIDA STATE RETIREE CHAPTER, AFL-CIO, OFFICIAL NEWS ONLINE WEBSITE!

"From Rags to Riches and Fame to Fortune, Sergeant-at-Arms Jack Gose, age 75, works with Los Angeles, CA. Police to clear downtown streets ahead of 3,000 American Postal Worker Union, AFL-CIO Delegates, led by APWU President Bill Burrus, demonstrating in support of the Local 11 Hotel Workers Union (UNITE-HERE) Struggle for a Fair Contract on Tue., Aug. 24, 2004 during afternoon rush hour traffic."

2006-2008 LINKS TO MAKE YOU HAPPY!

APWU of Florida State Retiree Chapter, AFL-CIO, South Pasadena, FL.
21st Century Postal Worker
American Association of Retired Persons, Wash., D.C. (World's Largest Circulation Magazine)
American Legion Hq (2.7 million members in 15,000 posts), Indianapolis, IN
American Veteran (aka AmVet, 1.5 million members in 1300 posts), Lanham, MD.
Disabled American Veterans (1.4 million members in 2,000 posts), Cincinnati, OH.
Florida AFL-CIO Hq., Tallahassee, FL
Florida Alliance for Retired Americans, Inc., Wellington, FL. (220,000 members)
Gene Maudlin (the Wizard of Laughter), Wilsonville, OR.
Governor Charlie Crist, Tallahassee, FL
Medicare, U.S. Government, Wash., D.C.
Mr. Sapo (Spanish Frog) Fantastico Info Look Up
National Active and Retired Federal Employees Association, Wash., D.C. (400,000 members)
National AFL-CIO Hq., Wash., D.C.
National Alliance for Retired Americans, Wash., D.C. (3.2 million members)
National APWU Hq., Wash., D.C. (220,000 members)
National Association of Letter Carriers Hq., Wash., D.C. (220,000 members)
National Council to Protect Social Security & Medicare, Wash., D.C.
National Democratic Party, Wash., D.C.
National Reform Party of U.S.A., Abilene, TX.
National Republican Party, Wash., D.C.
Office of Personnel Management, Boyers, PA
One Across Crossword Puzzle Answers (Cryptograms, Anagrams, & Reference Info)
Postal Reporter (Popular Info Site Updated Daily)
Social Security Administration, Wash., D.C.
Suncoast Area Local #1228, APWU, Pinellas Park, FL
The White House, Wash., D.C. (President of the United States)
U. S. Government Department of Veterans Affairs, Wash., D.C.
U. S. Government Health & Human Services, Wash., D.C.
U.S. Government Administration on Aging, Wash., D.C.
U.S. Government Gateway to over 100 Federal Agencies, Wash., D.C.
U.S. Government Official Web Portal, Wash., D.C.
Union Label & Service Trades Dept., Wash., D.C.
United States House of Representatives, Wash., D.C.
United States Senate, Wash., D.C.
Veterans of Foreign Wars (2.4 million members in 9,000 posts), Kansas City, MO.
Worldwide Senior Net Computer Learning Centers, San Francisco, CA.

2006 STATE RETIREE CHAPTER EXECUTIVE BOARD

President and Editor: Jack Gose,

6839 Park Street South, South Pasadena, FL 33707,

Home Tel. 727-343-2998, E-mail: jak.gose@excite.com

Vice President: Valentine Serpico,

2701 Middle River Drive, #1, Fort Lauderdale, FL 33306,

Home Tel: 954-396-4217

Secretary-Treasurer: Mario G. Miceli,

2034 Los Lomas Drive, Clearwater, FL 33763,

Home Tel: 727-446-4781

Legislative Director: David Bernstein,

2616 South Toronto Street, Tampa, FL 33629,

Home Tel: 813-839-4233

Health Plan Director: J.C. Wise,

4018 West Fig Street, Tampa, FL 33629,

Home Tel: 813-289-0382

Benefits & Organization Director: Elizabeth Cramer,

1420 Chickapea Cove, Blairsville, GA 30512

Home Tel: 706-835-2635

Trustee: Charlie Redd,

1822 Baylor Court, Cocoa, FL 32922,

Home Tel: 321-632-2898

Trustee: Pedro Torres,

8400 S.W. 181st Street, Miami, FL 33157,

Home Tel: 305-251-7938

Historian: John Sardin, Jr.,

6116 - 25th Avenue North, St. Petersburg, FL 33710,

Home Tel: 727-347-5687



2006 CENTENARIAN RETIREES MOST POPULAR LINKS IN THE UNIVERSE!

APWU OF FLORIDA STATE RETIREE CHAPTER

CENTENARIAN RETIREES MOST POPULAR ONLINE LINKS IN THE UNIVERSE! (LINK J)

GOVERNMENT:

www.aoa.gov U. S. Government Administration on Aging

www.defense.gov U. S. Government Department of Defense

www.dhhs.gov U. S. Govt. Department of Health and Human Services

www.dol.gov U. S. Government Department of Labor

www.ed.gov/index.jsp U. S. Government Department of Education

www.fedstats.gov U. S. Government Gateway to over 100 Federal Agencies

www.firstgov.gov U. S. Government Official Web Portal

www.hud.gov U. S. Govt. Department of Housing & Urban Development

www.irs.gov U. S. Government Internal Revenue Service

www.medicare.gov U. S. Government Medicare

www.opm.gov U. S. Government Office of Personnel Management

www.seniors.gov U. S. Government Federal Retirement Calculator

www.ssa.gov U. S. Government Social Security Administration

www.treasury.gov U. S. Government Department of the Treasury

www.tsp.gov U. S. Government Federal Thrift Savings Plan

www.usps.gov United States Postal Service

www.va.gov U. S. Government Department of Veterans Affairs


AFFILIATIONS:

www.aflcio.org National A.F.L.-C.I.O. Headquarters

www.apwu.org American Postal Workers Union Headquarters

www.apw-aba.org American Postal Workers-Accident Benefit Assn.

www.apwu-nppa.org APWU National Postal Press Association

www.flaflcio.org Florida AFL-CIO Headquarters

www.flara.org Florida Alliance for Retired Americans

www.retiredamericans.org National Alliance for Retired Americans

www.unionlabel.org Union Label and Service Trades Department


POLITICAL PARTIES:

www.democrats.org Democratic National Committee

www.gp.org Green Party of the United States

www.rnc.org Republican National Committee

www.politicalindex.com United States National Political Parties Directory


RETIREES ORGANIZATIONS:

www.aarp.org American Association of Retired Persons

www.narfe.org National Association of Retired Federal Employees

www.ncpssm.org National Council to Protect Social Security & Medicare

www.seniornet.org Worldwide SeniorNet Computer Learning Centers

VETERANS ORGANIZATIONS:

www.amvets.org American Veterans since World War II

www.dav.org Disabled American Veterans

www.legion.org American Legion

www.vfw.org Veterans of Foreign Wars

www.va.gov/vso/view.asp National Directory of Veterans Service Organizations


OTHER RETIREE WEB LINKS TO EXPLORE THE WORLD:

www.apwuhp.com APWU Health Plan

www.apwunpc.com APWU National Presidents’ Conference

www.benefeds.com Federal & Retiree Dental & Vision Benefits

www.familysearch.org LDS Worldwide Family Search

www.globexplorer.com Satellite Image Map of your Residence

www.mapquest.com Map a Round Trip Routing

www.members.aol.com/apwuvbp APWU Voluntary Benefits Plan

www.militaryfuneralhonors.osd.mil U. S. Dept. of Defense Veterans’ Funerals

www.nalc.org National Assn. of Letter Carriers Retirees

www.retireeparadise.blogspot.com Retiree Paradise Online Website Newsletter

www.seniorfriends.com National Association of Senior Friends

www.terraserver.microsoft.com Home Real Estate Values in your Neighborhood

www.usgenweb.org Family Ancestry Search by State and Counties

www.21cpw.com 21st Century Postal Worker Postal Issues Forum


TOP FIVE (5) INTERNET SEARCH ENGINES:

1.
www.google.com Best by Far. Ask any College Student!

2.
www.yahoo.com Excellent. Now uses Google’s search engine!

3.
www.excite.com Great Directories. Great Home Page!

4.
www.hotbot.com Good Directories! Innovative and getting better!

5.
www.mrsapo.com The Spanish Frog-Connects the Worldwide Web with one click of the mouse!

2006 FIVE (5) REASONS TO CALL OR WRITE APWU TO STAY ALIVE & ACTIVE!

APWU OF FLORIDA STATE RETIREE CHAPTER

5 REASONS TO CALL OR WRITE NATIONAL APWU RETIREES DEPARTMENT TO STAY ALIVE & ACTIVE! (Link J)

APWU retirees, as well as future retirees, surviving spouses, and dependents with questions concerning retirement can get help from the National APWU Retirees Department by phoning 1-202-842-8585, between the hours of 8:00 am-4:30 pm from Monday thru Friday, to speak with one of the Retirees Department staff members.

You may reach the Retirees Department at other hours, days, and holidays by phoning TOLL-FREE 1-877-279-8669 (877-APWU-NOW). When you call this number, be sure to leave your name and phone number on the tape so that someone can return your call. E-Mail can be sent to
dcholbrook@apwu.org at any time.

You may write to National APWU Retirees Department as below:

Douglas Cowan Holbrook, Director
APWU Retirees Department,
1300 L Street, N.W.,
Washington, D.C. 20005

In the following specific situations, please call, write or E-Mail Douglas Cowan Holbrook, our National APWU Retirees Director:

1. You need information on postal retirement (regular, disability, and/or early out) and/or workmen’s compensation and injury on the job. Be sure you have your CSA or CSF and Social Security numbers available when you call, write, or E-Mail.

2. You want to join the National APWU Retirees Department to become an APWU dues paying retiree member paying $24.00 year by signing up on the APWU Retired Member Form 1187.

3. You want information on how to organize an APWU Area Local/Local or a State Retiree Chapter. Three (3) Local Chapters are needed to form a State Chapter. The President of your local union must request a list of the APWU Retirees’ names and addresses and a model Constitution and By-Laws be mailed to get the organization started.

4. You want to show your appreciation and support for all the National APWU Retirees Department education and legislative programs set up to protect the Federal/Postal entitlements and benefits enjoyed by the National APWU membership which were won for all of us over the first 100 years of our history.

5. You want to become an active APWU Retiree by getting involved on the local, state, and national levels in the below PARAMOUNT LEGISLATIVE ISSUES of great importance to current and future retirees and their families:

PARAMOUNT LEGISLATIVE ISSUES

(1) Protection of Federal Civil Service annuities for Retirees and their families.

(2) Opposition to Privatization that would adversely affect Job Security for Postal Workers, Retirees, and their families.

(3) Guaranteeing Social Security for Current and Future Retirees and their families.

(4) Protection of Health, Long Term Care, Dental, Hearing, and Vision Benefits for Retirees and their families.

(5) Making Healthcare More Affordable for Retirees and their Families.

(6) Amending Section 125 of the Federal Tax Code to Allow Pre-Tax Dollars to be used toward Health Care for Retirees and their families.

(7) Repealing the Social Security Government Pension Offset (GPO) and Windfall Elimination Provisions (WEP) to help Retirees and their families.

(8) Legal Permission for Drugs Made in the USA to be re- imported for consumption by Retirees and their families.

(9) Improving Medicare and Prescription Drug Part D Coverage for Retirees and their families.

(10) Guaranteeing Medicare for Current and Future Retirees and their families.

(11) Supporting Legislation that would improve Long Term Care for Retirees and their families.

(12) Promote Legislation providing Safe and Low Cost Housing for Retirees and their families.

(13) Encourage FREE Education in Colleges and Higher Institutions of Learning for Retirees and their families.

(14) Getting involved in Democracy by Endorsing and Campaigning for Secret Ballot Voting by U.S. Mail to Provide a Paper Trail for all elections on local, county, state, and national levels.

(15) Persuade the Congress to enact legislation to provide a FREE COMPUTER tax free with FREE lessons for any Retiree to use, to preserve longer living, enjoyment of history, arts and sciences, music, and entertainment appreciation for Retirees and their families.

*****ONCE YOU RETIRE FROM YOUR CAREER AT THE U.S. POSTAL SERVICE every hard earned benefit that affects the Retiree, also directly or indirectly affects and touches every member of the Retiree’s family.
Jack Gose, President and Editor,
APWU of Florida State Retiree Chapter, AFL-CIO
Official Internet Website Webmaster

2006 FIFTEEN REASONS TO CALL OR WRITE OPM TO REFRESH YOUR MEMORY!

APWU OF FLORIDA STATE RETIREE CHAPTER

15 REASONS TO CALL OR WRITE OPM TO REFRESH YOUR MEMORY! (LINK I)

You may phone the Office of Personnel Management (OPM) toll-free at 1-888-767-6738, between the hours of 7:30 am-7:45 pm (EST) from Monday thru Friday, to speak to a real live person. The best time to call is early of the morning or late in the evening. The OPM automated phone system using this toll free number also seems to work well most of the time during other hours, days, and holidays.
You may write to OPM at the below addresses:
CSRS Employees:
U.S. Office of Personnel Management,
Retirement Operations Center,
P.O. Box 45,
Boyers, Pa. 16017

FERS Employees:
U.S. Office of Personnel Management,
Retirement Operations Center,
P.O. Box 200,
Boyers, Pa. 16017

In the following specific situations where you need help or information, call or write to OPM:

1. To report a regular monthly payment was lost or not received. First contact your post office/bank to see if delivery might have been delayed. If the payment has not been received by the fifth business day after the expected payment date, call or write OPM. You must sign the letter notifying OPM of the non-receipt of an annuity payment.

2. To obtain federal tax election forms to change income tax withheld form annuity payments.

3. General inquiries about health benefits. Enrollees are notified annually of the health benefit options before each Open Season.

4. A dispute over a health benefits claim with your health benefits carrier which you want OPM to review.

5. General inquiries about federal tax withholding.

6. Inquiries about a garnishment of annuity for alimony or child support, apportionment of an annuity awarded by a court and court-ordered survivor benefits.

7. To respond to an OPM Disability Earnings Survey or Marital Status Survey.

8. To submit Certification of Continued Entitlement to Adult Student Benefits, or to inquire about such benefits.

9. To send payments for deposits, re-deposits, and overpayments (debts). You should include your claim number, the number of your check, and enclose the OPM statement associated with your payments.

10. To report a change of mailing address. You must notify OPM about any change of address, even if your annuity payments are sent directly to a bank. OPM needs your mailing address to send important information (such as FEHBP Open Season packages) to you. You must sign the correspondence.

11. To have monthly annuity payments sent to a bank by “direct deposit.” You can ask your bank to complete the Standard Form and send it to OPM. You can also make these changes by calling if you can provide all the information requested on the Standard Form.

12. To report the death of a retiree or survivor. Include the deceased’s full name, claim number, date of birth, date of death, and Social Security number, if known. To apply for death benefits, survivors should request an Application for Death Benefits. If the deceased had FEGLI coverage, survivors should request a Life Insurance Claim for Death Benefits form.

13. To obtain information about retirement or life insurance designations of beneficiary, and to request or file designation forms. You should furnish your claim number, date of birth, and Social Security number. You must sign the request for such information from your file.

14. To report changes in Social Security benefits for FERS disability and survivor benefits.

15. To report changes in the status of Workers’ Compensation benefits.

2006 SURVIVOR ACTION INFO WAKE UP CALL!

APWU OF FLORIDA STATE RETIREE CHAPTER

SURVIVOR ACTION INFO WAKE UP CALL!

WHAT TO DO IF YOUR SPOUSE DIES:

1. Notify employee’s immediate supervisor at the U.S. Postal Service.

2. Notify Postmaster at the Postal facility where the employee worked.

3. Notify Personnel Section or Human Resources Office official.

4. Contact the following:

a. The American Postal Workers Union, AFL-CIO on the National, State, and Area Local/Local levels to check for any spousal benefits.

b. Office of Personnel Management at 1-888-767-6738 to check for eligible spousal benefits, such as spousal annuity, life insurance, health insurance, etc. The surviving spouse will get a Civil Service Final (CSF) annuity 7 digit number followed by the letter W (Widow or Widower).

c. If a veteran, contact the Veterans Administration and Veterans organizations to check for any spousal benefits you may be eligible for.

d. Local banks, savings and loans, credit unions for spousal benefits.

e. Safety Deposit Box at various financial institutions.

f. Social Security Administration to check for eligible benefits.

g. Insurance companies to check for any eligible benefits.

h. Internal Revenue Service and State & County Tax Departments.

i. Change deceased name on important papers to survivor’s name.

5. Notify immediate supervisor at USPS and President of APWU Area Local/Local of time and place of services for deceased.

6. Have mortuary obtain seven (7) copies of death certificate.

7. Turn in locker key, badge, and other postal property to immediate supervisor at the U.S. Postal Service.

8. Obtain copies of military discharge certificates, Form DD-214, if postal employee dies while still employed at USPS.

9. Have copies of birth certificates of dependent, underage children.

10. If previously married, have copies of your divorce papers.

11. If presently married, have copies of your marriage license.

12. A will or living trust is a vital necessity which will eliminate costly court probate procedures. We urge everyone to get one if you don’t already have this important document to protect your assets and to make sure your estate is distributed according to your wishes when you pass on.

13. Fill out the following papers (available from Personnel or OPM). Copies of the forms may be seen at
www.opm.gov/forms for review.

a. SF 2800 – Application for death benefits (CSRS).
b. SF 3104 – Application for death benefits (FERS).
c. Claim of designated beneficiary for unpaid compensation.
d. Claim for unpaid compensation (no designated beneficiary).
e. Claim for benefits such as Federal Employees Group Life Insurance (FEGLI).
f. Check with Personnel section or Human Resources office for exact amount of annuity for yourself and children. Then telephone OPM to double check on everything for peace of mind.

Survivorship is not paid AUTOMATICALLY. You must apply for it. In most cases, if your spouse was a veteran, he/she is entitled to burial expenses.

If the cause of death is due to a job related injury, the Office of Federal Employees Compensation (OFEC) will pay for burial expenses minus any amount the VA gives.

The survivors, in case of a job related death, may also apply for an annuity from the OFEC. The survivors can then choose the higher annuity.

You might wish to save this APWU survivor action information. Hopefully, you will not have to use it, but will find it helpful to those who have the need.

In the event you do not already have a copy, we suggest you invest in your future and the future of your loved ones by purchasing the APWU Survivors Booklet costing only $3.00 per copy from the National APWU Retirees Department in Washington, D.C. To review this valuable keepsake booklet and other retiree info, go online to
www.apwu.org and click on Retirees Dept. for the latest news!

By all means, contact the office of Douglas Cowan Holbrook, Director, National APWU Retirees Department, by telephone at 1-202-842-8585 or toll-free 1-877-279-8669 (877-APWU NOW), and/or write to him at 1300 L Street, N.W., Washington, D.C. 20005 to inform him of the death of your spouse, and let him know you wish to retain all the APWU benefits your spouse and you have fought for all these years.

IF YOU DIE WHILE EMPLOYED AT USPS

If your death occurs while you are still employed at USPS, your surviving spouse and children will qualify for a monthly survivor annuity, provided:

1. You were subject to the Civil Service Retirement System (CSRS) or Federal Employees Retirement System (FERS) at death, and had completed at least eighteen (18) months of creditable civilian service.


2. You and your spouse were married for at least nine (9) months at the time of your death, or your spouse is the parent of a child born of your marriage. The nine (9) month requirement does not apply in cases of accidental death.

3. Your children are unmarried and under age eighteen (18), or full-time students in recognized educational institutions and under age twenty-two (22), or married and incapable of self support at the time of your death regardless of age, provided the disability occurred prior to age 18.

If your death occurs before retirement, your survivors should notify your employing office immediately. When your employing office is notified of your death, they will assist your survivors in filling the necessary claim forms for death benefits. Your employing office will provide the applicable claim forms. The following documents are required:

1. Two (2) certified copies of the death certificate.

2. Copy of military discharge certificates, form DD-214, report of transfer or discharge, if applicable.

3. Copy of marriage certificates.

4. Copy of birth certificates of dependent children under age twenty-two (22).

IF YOU DIE AFTER RETIREMENT FROM USPS

If your death occurs after you retire, your surviving spouse will qualify for an annuity if you accepted a reduced annuity with survivor benefits at retirement, and your spouse was married to you for a total of at least nine (9) months or is the parent of your child. The marriage duration requirement does not apply if your death is accidental.

Children described above automatically qualify for a survivor annuity regardless of your survivor annuity election.

The Office of Personnel Management (OPM) must honor qualifying court orders that provide survivor annuity benefits for a former spouse.

If you have a former spouse who is entitled to a full survivor annuity based on a qualifying court order, your current spouse will receive monthly survivor benefits after your death only if the former spouse loses entitlement to the court-ordered survivor benefits, unless you elect to provide an insurable interest annuity for your spouse when you retire.

A court order providing survivor benefits to a former spouse will not affect survivor benefits for eligible children.

A survivor annuity for a spouse continues for life, unless the spouse remarries before age fifty-five (55). A child’s annuity ends when the child marries, reaches the age eighteen (18) or twenty-two (22) if a full-time student, or if disabled, becomes capable of self support.

Lump-sum benefits consist of the total amount credited to your retirement fund, plus any accrued interest. However, no lump-sum benefits for retirement contributions will be paid if your current spouse, former spouse, or children are eligible for a survivor annuity.

If your survivor annuity terminates before your retirement contributions are exhausted (paid out in the form of an annuity), the balance remaining in your account is payable in a lump sum. Any unpaid accrued annuity due you at death is also payable in a lump sum. A lump sum is payable in this order:

1. Designated beneficiary.
2. Spouse.
3. Child/children in equal shares.
4. Parents.
5. Executor or estate administrator.
6. Next of kin.

If you die after retirement, your survivor should notify OPM at 1-888-767-6738 between hours of 7:30 am-7:45 pm, Monday thru Friday. The best time to call is early of the morning or late in the evening to not have to wait a long time on line to talk to a real live person. The OPM toll-free telephone number automated system is available 24 hours seven days a week, if you choose this option.

Your survivor should give the deceased employee’s full name, Civil Service Annuity (CSA) claim number which has seven (7) digits, date of birth, date of death, and the name and address of the person entitled to death benefits.

Any OPM annuity checks not cashed should be returned with a statement to the return address on the U. S. Government envelope bearing the check or to the below address for the entire United States:

Department of U. S. Treasury,
Financial Management Services,
P.O. Box 7224,
San Francisco, CA 94120-7224

If your checks are being deposited directly into your bank account by OPM, your survivor should contact your bank or other financial institution, notifying them of the date of your death. When OPM receives notice of your death, they will review your retirement records and send applicable claim forms to the person entitled to the death benefits.

2006 TWENTY-TWO (22) RETIREMENT TIPS TO MAKE YOUR DREAMS A REALITY!


APWU OF FLORIDA STATE RETIREE CHAPTER

22 RETIREMENT TIPS TO MAKE YOUR DREAMS A REALITY:

RETIREE CHAPTER POSTAL CALENDAR TIPS!

1. ANNUAL LEAVE
2. BENEFICIARIES
3. COUNSELING SEMINARS
4. DATE OF RETIREMENT (CSRS)
5. DATE OF RETIREMENT (FERS)
6. GOVERNMENT PENSION OFFSET (GPO)
7. HEALTH INSURANCE
8. HIGH THREE AVERAGE EARNINGS PAY
9. INCOME PROJECTION
10. INTERIM OPM PAYMENTS
11. LIFE INSURANCE
12. LWOP
13. OFFICIAL PERSONNEL FOLDER (OPF)
14. SICK LEAVE (CSRS)
15. SICK LEAVE (FERS)
16. SOCIAL SECURITY BENEFITS
17. SPOUSAL OPM BENEFITS
18. SURVIVORS BOOKLET
19. THRIFT SAVINGS PLAN (TSP)
20. VERIFICATION OF RECORDS
21. WINDFALL ELIMINATION PROVISION (WEP)
22. YEARS OF SERVICE OPM MAXIMUM PAY

22 RETIREMENT TIPS OUTLINED BELOW!

1. ANNUAL LEAVE: At the time you retire, the Postal Service will pay you for up to a maximum of only 440 hours of earned annual leave. You will lose any amount over 55 days of annual leave (55 days x 8 hours daily= 440 hours maximum). It should be on your next scheduled USPS paycheck.

2. BENEFICIARIES: Check the information on beneficiaries you have previously chosen for your Government Life Insurance, Civil Service Retirement System (CSRS), Federal Employee Retirement System (FERS), earned annual leave, and earned compensation. There is a separate form for each benefit.

The order of beneficiaries is your designated beneficiaries or if the order is not designated, then the order is spouse, child/children in equal shares, parents, executor or estate administrator, brothers and sisters, or next of kin in that order.

3. COUNSELING SEMINARS: You need to attend a pre-retirement counseling seminar, if one is available at your USPS agency, at least five (5) or more years before your retirement. Many postal agencies only offer one pre-retirement individual counseling session within in a three (3) year period after you become eligible for retirement due to age and years of service. It’s a crying shame, but that’s the way things happen.

Better yet, you should attend a National APWU Retirees Department Retirement class hosted by the APWU Region, State and/or Area Local/Local or enroll in a three (3) day National APWU Retirees Department Counseling Seminar which is being scheduled in each region. This way you may become an APWU Retirement Counselor in your APWU Area Local/Local, State or Region.

4. DATE OF RETIREMENT (CSRS): For voluntary retirements, CSRS annuities should begin on the 1st, 2nd, or 3rd day of the month. If you retire on one of the first three days of the month, your first OPM annuity check is payable the first day of the following month.

If you retire on any other day of the month, your first OPM annuity check is payable the first day of the second month which follows. If you retire the 4th day through the last day of any month, for example, August 4th through August 31, then your first OPM annuity check is payable October 1st. Waiting one extra day will cost you one additional month of OPM annuity pay!

5. DATE OF RETIREMENT (FERS): In the Federal Employee Retirement System (FERS), voluntary retirements begin only on the first day of a month. FERS employees should retire on the last three (3) days of the month, if possible. For example, if you retire on August 31 under FERS, your first OPM annuity check is payable October 1st. Under FERS, retiring on other days earlier in the month will cost you extra days of additional OPM annuity pay.

6. GOVERNMENT PENSION OFFSET (GPO): You may also be entitled to benefits based on the Social Security covered earnings of your spouse or former spouse. However, this benefit may be affected by the Government Pension Offset (GPO), another provision of the Social Security law. For more information, see Congress & Legislative link and scroll down to the Legislative Fact Sheet on Government Pension Offset (GPO). We urge you to contact your Congress and ask them to Co-sponsor and support the legislative bills already introduced in the 110th Congress to repeal this unfair law.

7. HEALTH INSURANCE: You must be enrolled in your Federal Employees Health Insurance Benefits (FEHB) Plan program for a five (5) year period prior to your date of retirement to continue your health insurance coverage as a retiree. After you retire, you pay approximately thirty (30) percent or less of your health insurance premium and USPS pays about seventy (70) percent or more. The U.S. Government is mandated not to pay more than 75 % of total premium for any FEHB plan.

This is a big change in the formula you enjoyed before you retired when USPS paid approximately eighty-three (83) percent or more and you paid about seventeen (17) percent or less due to the USPS/APWU collective bargaining agreement. Welcome to the real world!

8. HIGH THREE AVERAGE EARNINGS PAY: Your high three average earnings pay is figured on thirty-six (36) months of continuous base pay only. It does not include overtime, night differential, Sunday pay, or lump sum payments.

9. INCOME PROJECTION: If you will have any housing cost (mortgage or rent) or other significant loans/credit card debts after retiring, you will need approximately eighty (80) percent of your current USPS salary to retire comfortably. If you have no rent/mortgage or other substantial loans/credit card debts after retiring, sixty (60) percent of your salary will probably suffice.

10. INTERIM PAYMENTS: Generally, as soon as the Office of Personnel Management (OPM) gets all your retirement records from USPS, OPM will provide interim payments averaging more than eighty-five (85) percent of your final retirement benefit. Usually, the next month’s check will be your regular annuity amount plus a make-up of the remaining amount due from your first payment. The third OPM annuity check you receive, if not sooner, should be your regular monthly annuity amount.

OPM will withhold deductions for federal income taxes, health and life insurance coverage, and your $2.00 monthly APWU retiree union dues, provided you have completed the APWU Retired member Form 1187 and mailed it back to the National APWU Retirees Dept.

11. LIFE INSURANCE: To keep your Federal Employees Government Life Insurance (FEGLI) group policy coverage, you must have been enrolled in the program for the five (5) years of service immediately preceding your retirement date or for all service since your first opportunity to enroll in the program.

12. LWOP: The only way LWOP can delay your postal retirement by reducing your years of service credits is if you take over six (6) months of LWOP in a calendar year.

13. OFFICIAL PERSONNEL FOLDER (OPF): Get a copy of your Official Personnel Folder (OPF) from USPS Personnel or Human Resources office at once, including all military records. Your retirement is based on the Form 50’s in your folder. Check your Personnel folder and files each and every year of your employment.

Your retirement is determined by the highest three years of your consecutive yearly base pay. There is approximately a twenty (20) percent error in USPS record keeping. Your expenses of copying the personnel records in your folder will save you beg bucks down the road!

14. SICK LEAVE (CSRS): In CSRS, for every 22 days of sick leave, you are credited for one month of service. 2080 hours of sick leave equals one year of credit for CSRS employees only. Accumulated sick leave can be used for additional monthly and years of service for retirement.

15. SICK LEAVE (FERS): If you are in FERS, you get no credit for accumulated sick leave for extra monthly and years of service to retire.

16. SOCIAL SECURITY BENEFITS: Telephone the Social Security Administration 1-800-772-1213 or go on line to their web site
www.ssa.gov to ask for a “Request for Earnings and Benefit Statement” on you to get a record of your earnings under Social Security, and if you will be eligible, an estimate of the payment you may receive.

Remember, the estimate you receive may not include reductions to your Social Security benefits due to the Government Pension Offset (GPO) and the Windfall Elimination Provision (WEP). You should schedule an appointment with your local Social Security office to personally get an estimate of your benefits, including any reductions which may be caused by the GPO and/or WEP provisions.

17. SPOUSAL OPM BENEFITS: In compliance with the Spousal Equity Act of 1984, your spouse must agree and sign a notarized paper for you not to make your spouse a beneficiary of your OPM annuity. If the spouse chooses not to be a beneficiary and the annuitant dies, the spouse cannot get health insurance benefits coverage!

18. SURVIVOR’S BOOKLET: Every potential APWU retiree member should purchase the APWU Survivors Booklet costing only $3.00 from the National APWU. This treasure chest publication allows for personal information to be stored in one place for your use and your spouse/family. If you pass away, the information in this booklet is especially important to you, but also to your survivor or loved ones.

19. THRIFT SAVINGS PLAN (TSP): You are urged to contribute a maximum deduction to your Thrift Savings Plan (TSP) to realize a higher income return on retirement. Retirement for FERS employees is like a three-legged stool, that is, FERS, Social Security, and TSP. You cannot usually afford to retire if you don’t build up your Thrift Savings Plan account to the maximum.

20. VERIFICATION OF RECORDS: All periods of civilian and military service should be verified in your Official Personnel Folder (OPF) files. You must take the initiative on your own to request copies of all your personnel records and keep these copies in a safe place where you know where they are located. Request copies each and every year to update your files for retirement some day! I bet you can’t wait to get started!

21. WINDFALL ELIMINATION PROVISION (WEP): Any Social Security Administration estimate of the payment you may receive is not adjusted for the Windfall Elimination Provision (WEP), which is a provision of the Social Security law after 1984 that reduces the Social Security covered benefits of many former Federal and Postal employees.

For more information, go to the Congress & Legislative link on this web site and scroll down to Priority Legislation and Legislative Fact Sheets to read about how the Windfall Elimination Provision may affect your retirement.

We urge you to contact your Congress and ask for their Co-sponsorship and support for legislative bills already introduced in the 110th Congress calling for the repeal of the Windfall Elimination Provision (WEP). We think these bills have a good chance of getting out of Committees and going to the floor for serious debate and passage this time around the horn!

22. YEARS OF SERVICE OPM MAXIMUM PAY: If you have forty-one (41) years and eleven (11) months of combined service at the time you retire, you will be paid eighty (80) percent of your high three continuous years of service. For CSRS employees, sick leave can increase your OPM annuity over the 80 percent maximum. FERS employees DO NOT GET ANY CREDIT for accumulated sick leave in figuring their retirement! Welcome to the Real World!

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