Unity Caucus Favors Co-Pays: NYC Educators Penalized for Retiring - Sign the Petition

Tell Michael Mulgrew and Unity to stop charging retirees premiums while claiming our health plan is premium free. Let’s send Unity a message to respect us. Let’s tell them we demand what other unions have. The UFT Welfare Fund is sitting on over a billion dollars. Let’s tell them how we’d like it used. Let’s tell them that the very worst time to impose premiums on us is when we retire. Let’s tell them if other unions can better support retirees, we can too. DC37 doesn’t charge members for prescription insurance when they retire. Firefighter and police unions don’t do it. Sanitation, and other unions don’t do it.... Arthur Goldstein

 Sign the petition. 1,575 have signed in 24 hours -  let's hit 5k.

Imagine a world where UFT would fight like the Nurses Union. Those nurses don’t play around. They are standing on business!! I love it....Anon. FB quote 

ABC's Leah Lin tells it all: Paying more in retirement just doesn't make sense.  

Tuesday, Jan. 13, 2026

 

I just finished 3 months of physical therapy for my knee, twice a week, at $15 co-pay a pop -- that's $30X12 weeks = $330 for my "premium free" healthcare. Plus all the other doctors I go to --- It's probably close to $500 given visits for my cancer and diabetes (due to removal of over half my pancreas). Listen, I can handle it all financially at this point, but for many NYC retirees these co-pays are a real burden. I've even heard stories of people who expected to retire are forced to hold off. 

 

I'm proud of my colleagues at ABC are at least making a stink of this while other supposedly opposition groups are fundamentally silent. My sense is that the non-Unity leaders of the RTC, many of whom defended the new healthcare plan, seem reluctant to be openly critical.

 

Today is an RTC Executive Board meeting and I'm looking forward to some action beyond a lot of whining over Mulgrew not calling on them at the DA. I detect a hint of fear that if they are too publicly critical of  the Unity leadership and Mulgrew, who has elements of Trump-like vindictiveness, he may turn off the lights and heat to their offices at 52 Broadway. I'll bring candles.

 

Arthur Goldstein authored a summary cross posted on the https://stopchargingretirees.org/ site: Should NYC Educators be Penalized for Retiring? Do you want to pay at least $180 a month, forever, when you retire? If not, please sign and share our petition. Please sign our petition demanding UFT stop charging retirees, some of whom are already struggling to get by. Please tell your friends to sign and share widely.

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Here's a message from on the new PPO Plan. I logged on and found that one of my diabetes meds is not on the forumulary as a 1MG but is as 2 MG. We were promised the new plan would not result in changes. 

 

York City Municipal Employees & Retirees

 

January 1st the new NYCE PPO plan was implemented for all active workers, and Pre-Medicare Retirees.   In a few weeks, we will roll out a survey to see if you are having any concerns that need to be addressed.  

January 1st also began the new Pharmacy Benefit Manager (PBM) for those in the NYCE PPO plan, or those who are on the City Drug plan, the optional rider.  The new PBM is "Prime Therapeutics" - no longer Express Scripts.  They are the MANAGER...   Think of them like the middle man to your drug access.  A simple way to understand their job - they get you access to the drugs..   You have the drug manufacturers, the PBM and the Pharmacy.  

 

 

 

 

This was prepared by Bob Pfefferman as a briefing report prior to a meeting with newly elected City Council member Virginia Maloney. He invites questions and comments. 

 

Briefing paper, January 7, 2026, V3

 

The unions’ claim that they can negotiate for current retirees is specious for all of the following:

 

·      There is no such thing as a collective bargaining certificate for retirees.

 

·      Except for UFT retirees, we have no say in electing the union leadership. Even then UFT retiree votes are capped at a certain number.

 

·      To my knowledge, neither OLR or the MLC have cited a specific section of the Taylor Law that 1096 violates.  Any legal memo the city or the unions have is not public so no one can comment. Would you accept an unsupported allegation like this in a high school debate class?

 

The unions don’t mean this as a policy discussion. It is meant to intimidate any city council member that asks too many questions and threaten with a primary challenge.

 

·      When a union does negotiate, at least in my local, 371, AFSCME (DC 37), the members approve the collective bargaining demands. No such vote was held.

 

·      The results of any collective bargaining from an AFSCME entity holding a collective bargaining certificate must be approved by the membership. No such vote has been held.

 

·      Christopher Marte’s office has cited a US Supreme Court ruling Chemical Workers V Pittsburg Glass, 1971, in which it ruled that retiree benefits are not negotiated by a union

 

·      Marte also points out that in the past DC 37 and the UFT have supported city council legislation protecting retiree health care and never cited the Taylor Law. Because unions cannot bargain for retiree health care, the city council must pass legislation to change it.

 

Status of Lawsuits (Brentkowski case; I don’t know how to spell it)

 

·      Marianne’s group filed a lawsuit in September 2021 saying that the city cannot only offer one health insurance plan for retirees and must offer traditional Medicare and a wrap around. They cited 12 “causes of action” why the city could not do what they wanted.

 

·      The trial judge ruled “irreparable harm” and issued a TRO. He only ruled on one of the 12 causes of action. The city appealed and four years later, the Court of Appeals overturned the trial judge’s ruling and sent it back to the trial judge for ruling on the other 11.

 

·      Should the city and/or the unions (one entity for this purpose) be so reckless as to try this again, the trial judge would likely issue another TRO and the city and the unions will be wandering in a judicial morass for another two or three years with an uncertain outcome.

 

·      Retiree will not accept a Medical Advantage Plan as the only option for health insurance. We will fight this politically and legally. The city council has already seen what we can do. Do you really want to try it again?

 

The Comptroller’s Audit

 

·      The audit confirmed what retirees have been saying since 2021: that the fund was knowingly misused by the MLC and OLR and lacks transparency.

 

·      OLR tried to cover this up by submitting false annual certifications to the Comptroller’s Office, asserting in writing that the Fund is in compliance with Directive 27 requirements, that Fund balances are accurate, and that the Fund will be used for its stated purposes.

 

·      The audit also found that HISF lacks transparency and has inadequate governance and decision-making capacity. HISF does not maintain meeting agendas, materials distributed at meetings, or records of discussions held at meetings—such as recordings, minutes, or notes—and stated that it relies on HISF’s monthly reports which include only the Fund’s revenue, expenses, and cash balance.

 

·      Furthermore, while the $600 million would have improved HISF’s financial position somewhat, it was not sufficient, on its own, to keep HISF solvent

 

·      As detailed in Table XV in the audit, OLR and the MLC did not report significant HISF liabilities as required by Comptroller’s Directive 27 and GSAB Statement No. 54.

 

Garrido Speaks Untruths

 

·      In February of 2021, Henry Garrido reported to his delegates (I am one) that he was shocked, absolutely shocked, to discover that the HISF was bankrupt and retirees would have a new, improved health plan.

 

·      I spent almost two years plowing through federal legislation and virtually nothing he said checked out. The HISF did not suddenly go broke, and the new plan was only better in the warped minds of Garrido and Michael Mulgrew.

 

·      For example, they touted free gym membership but never reported on how many retirees not currently belonging to a gym would enroll. I believe that the number would have been miniscule and almost everyone who would enroll would drop out after a few months of basically not using it. And which gym? Not Equinox.

 

The Management Benefits Fund offers gym reimbursement but it is capped at $50 per month. Someone claiming such a benefit has to keep records and file a claim.

 

·      I then discovered that the new plan would be administered by a for-profit private insurance company accountable only to its shareholders. The newspapers over the past year or two have been bursting reporting on the fraud riddling these plans. In the 2006 amendments to the Medicare Act (best known for creating Medicare Part D), it was an experiment to see if private for-profit companies could deliver high quality health care and have cost-savings as well. It’s no secret that this experiment has failed.

 

·      Unanswered is why the union leadership was comfortable consigning retirees to a fraudulent system where the profits depended on denying care recommended by medical professionals.

 

·      Garrido got one thing right: the HISF was created to cover health insurance expenses for actives and retirees. I incorrectly thought it was created only for retiree health care.

 

·      I have an incurable but treatable neurological disease and I go three times a month for infusions. The price per infusion for the uninsured is $45K. Medicare pays about $7K. You can imagine the lack of enthusiasm that a private for-profit insurance company will have for such treatment.

 

Other reasons we need 1096:

 

·      The initial number cited by the city and the unions was $600M, however that was calculated. Henry Garrido reported to his delegates in the spring that because of DC budget actions that number was now $300M, however that was calculated.

 

·      Assuming that $300M has not vaporized further, we know from years of reports delivered to his delegates by Henry and from other sources that whatever number is being conjured by the MLC’s consultants, was going right back into the same slush fund bankrupted by the city and the unions.

 

The Thieves Have a Falling Out:

 

·      Now there is a falling out among the thieves over an alleged $4B, give or take $1B, in health care savings that the parties failed to generate in allegedly contractual commitments.

 

·      Henry Garrido has publicly and privately reported that he has in writing that the unions have been relieved of any commitment to save the $600M (or $300M. Or whatever number they are flying this week) by forcing retirees into a Medicare Advantage Plan. So the current $$$B squabble has absolutely nothing to do with retirees and we will not take the fall.

 

The Thieves Open The Backdoor

 

·      Frustrated by their unsuccessful attempt to steal health care directly from retirees, they have resorted to slapping $15 co-pays on every medical interaction after the deductibles are satisfied. This piles fees on top of one another so prevalent that retirees cannot afford them; you can’t tell where one stops and another starts.

 

·      The “lucky” ones have incomes so low that they are dual eligibles (Medicare and Medicaid) if you are callous enough to call being living in poverty “lucky.”

 

·      The rest of us have to pay deductibles that are not reimbursed, Rx drug co-pays that are not reimbursed, transportation, vision above what is reimbursed, dental above the cap, and front $2430.80 for 12 months’ premium before being reimbursed. This comes to about $5,000.

 

·      The 27% of city retirees who exist on pensions of $15K or less (even with a reasonable amount for social security added) simply can’t afford it. The 57% with pensions of $35K or less, with an appropriate amount for social security, aren’t doing so great either.

 

·      The contract for the wrap-around, currently GHI/Emblem Health Senior Care, will be re-bid this year. I an working on a table, not straightforward, showing how devastating the co-pays have become. I will forward when ready later this week.

 

·      I, personally, begin the year with 86 co-pays: 36 for the above mentioned infusions and 50 for weekly psychotherapy. That’s $1290 (minus the deductibles.) Now, I’m in physical therapy twice a week. This is a heavy hit. There is no indication that the unions will reduce the out-of-pocket in the bid document. I wonder who they think they represent: the taxpayers or their former members.

 

They have no shame:

 

·      DC 37 ought to be ashamed.  Most low-income retirees are their former members. They are stealing money from those who can least afford it to subsidize taxpayers. (If not for the co-pays, the premiums paid by the city likely would be higher.)

 

·      While DC 37 and other unions’ welfare funds provide an Rx benefit (with co-pays), many other retirees have to purchase city of New York Rx Part D with a 2026 monthly premium of $180 (some of which is reimbursed by the city or various union welfare funds). They also may face a Part D surcharge that is not reimbursed.

 

What can the city council do?

 

·      Enact 1096 which will end any discussion of a Medicare Advantage Plan or co-pays.

 

Bob

917-733-0925