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The End of Obamacare?

By Stan Coombs, Director

Two months ago in this column, we traced U.S. national health policy through the passage of Obamacare in 2010, ending with the words, “More to come.” Obamacare, of course, is the common moniker for the Patient Protection and Affordable Care Act, often shortened to the Affordable Care Act or ACA.

The idea was to follow with a description of the political shenanigans since passage, including the sixty-odd attempts of opponents to repeal all or parts of Obamacare – one of which had limited success – and numerous state bills and lawsuits alleging its unconstitutionality.

But we sidetracked the next month into a discussion of Social Security finances. Who’d a thought that unintended, thirty-day delay would have us covering a dramatic and potentially far-reaching development in mid-December?

On December 14th one of those aforementioned lawsuits, Texas v. Azar, bore fruit for the plaintiffs. A largely unknown U.S. District Judge Reed O’Connor, of the Fort Worth and Wichita divisions of the Northern District of Texas, ruled all of Obamacare unconstitutional.

It wasn’t the usual narrowly worded ruling that protects as much existing law as possible, but a sweeping obliteration of all things Obamacare that outlawed provisions well beyond the individual participation mandate and penalty for non-compliance. Also gone is the required coverage of pre-existing conditions, equivalent premiums regardless of pre-existing conditions, health exchanges, premium subsidies, the expansion of state Medicaid, and others, if the ruling is sustained.

O’Connor apparently based his ruling on Supreme Court Chief Justice Roberts’ 2012 opinion in National Federation of Independent Business (NFIB) v. Sebelius, that Congress has the constitutional authority to establish the Obamacare participation mandate, not because of the Commerce Clause, as argued by the government, but because Congress has a constitutional right to tax. And since the mandate penalty produces revenue, it’s a tax.

According to Roberts the individual mandate is essential to the ACA. And since Congress deleted the mandate and penalty in their 2017 Tax Cuts and Jobs Act, the ACA no longer has a constitutional basis without that tax, O’Connor reasoned.

Responses to the ruling came quickly. Democrats were predictably outraged, Republican leaders uncharacteristically subdued. California Attorney General Xavier Becerra called it “an assault on 133 million Americans with pre-existing conditions” and “on the 20 million Americans who rely on the ACA’s faithful progress toward affordable health care.” A spokeswoman for House Speaker Paul Ryan said, “The House is not a party to this suit, and we are reviewing the ruling and its impact.” The Wall Street Journal called it “a blunder,” and the Washington Examiner, “an assault on the rule of law.” The Texas Public Policy Foundation praised the ruling. The President called it, “a big victory by a highly respected judge.”

And the markets weighed in. CNBC reported the following Monday that hospital and health stocks had already plunged more than 8% in listed instances.

O’Connor didn’t order the government to immediately stop enforcing the ACA. A coalition of Democratic state officials led by the California Attorney General pledged to appeal O’Connor’s decision to the Supreme Court, a process that could play out over several years.

NFIB v. Azar was filed in early 2018 by 20 states and two individuals, led by Texas Attorney General Ken Paxton, and followed later that year by 16 other states and the District of Columbia intervening to oppose the lawsuit and support the ACA.

O’Connor is noted by some Texas attorneys to be a conservative, no-nonsense, hard-working judge with several high-profile conservative rulings on his resume, and equally tough on government and defense attorneys. But he’s also one of only three judges who hear cases in the Fort Worth Division, according to reports, and one of only two judges in the Wichita Falls division, facts not lost on attorneys with conservative causes.

In the words of a professor at the South Texas College of Law, Paxton knew “with a high degree of certainty” the case would wind up in O’Connor’s court. Lawyers “file cases where they think they have the best chance of winning.” “It would be legal malpractice if they didn’t.”

Writing for the conservative Texas Public Policy Foundation, the lead counsel for the individual plaintiffs in the case said “. . .the individual mandate is an integral part of the ACA, and can’t be separated out. If it’s constitutional, then the whole thing is.”

Other experts think O’Connor’s ruling is “badly flawed,” and a Yale law professor says the case depends on the legal concept of “severability.” If one part of a law is found unconstitutional can the rest stand? That’s a question usually decided by looking at the intent of Congress. In this case, she thinks it’s clear. Congress repealed the individual mandate and deliberately left the other insurance reforms in place. Obviously Congress intended to eliminate the mandate and keep the insurance reforms in place.

It will be an interesting several years spent waiting and wondering. . . ◾

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2019 Scholarships

By Carlos Gonzalez, Scholarship Committee Chair

The annual RESDC Merit Scholarship Program will award five $2,000 scholarships and one $750 community service scholarship to graduating high school seniors in 2019. To be eligible, students must be a child, grandchild, step child, or step grandchild, of a RESDC member in good standing (as defined in our Bylaws).

The scholarship application forms are available online at www.resdc.net/scholarship-program. Applications may also be picked up from our office at 8825 Aero Dr., Suite 205, San Diego, CA 92123. For questions, please call RESDC toll free at (866) 688-9229 or email resdc@resdc.net.

The deadline to submit applications is Friday, March 1, 2019; applications postmarked after this date will not be considered. Final results will be communicated directly to individual participants at the beginning of June.

We suggest that applicants start this process early and coordinate all references for a complete and timely submittal. Incomplete application packages will not be considered.

All RESDC Scholarship applicants are also eligible to apply for the Theo and Evelyn Yakel Scholarship, which is available through The San Diego Foundation. In 2018, The San Diego Foundation awarded $2.2 million in scholarships, making The Foundation the largest private non-university scholarship provider in San Diego County. To apply for The Yakel Scholarship, students should go to www.sdfoundation.org and fill out the Common Scholarship Application.

A document verifying that the student’s sponsor is a RESDC member must be uploaded when applying for the Yakel Scholarship through the Common Scholarship Application. Please call the RESDC office at (866) 688-9229 to obtain this signed document. The foundation will not accept an application without RESDC’s validation.

The filing period for the Yakel Scholarship closes on February 5, 2019 at 2:00 p.m.; results are usually announced by June 1. ◾

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Recent Events

• New County Supervisors Sworn in, Dianne Jacob to serve as Board Chair. Newly elected San Diego County Supervisors Nathan Fletcher and Jim Desmond were sworn in on January 7, 2019 along with other county officials. They replaced termed-out Supervisors Ron Roberts and Bill Horn. They join their fellow Supervisors Greg Cox, Dianne Jacob, and Kristin Gaspar in overseeing a $6.27 billion budget and approximately 17,000 County employees. Supervisor Jacob was named Chairwoman of the Board by a unanimous vote. As new chairwoman, Jacob will outline the County’s 2019 goals at the annual State of the County address on Feb. 6 at the County Administration Center.

• New study analyzes teacher pension plans in six states. A new report finds that teacher pension plans play a critical role in retaining educators while also providing greater retirement security than 401(k)-style retirement accounts. Eight out of ten educators serving in the six states studied can expect to collect pension benefits that are greater in value than what they could receive under an idealized 401(k)-type plan. The study also finds that the typical teacher in these states that offer pensions will serve 25 years in the same state, while two out of three educators will teach for at least 20 years. To access the report, visit: www.nirsonline.org/reports/teacher-pensions-vs-401k/. ◾

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Discount Tickets to Herland at MOXIE Theatre
January 27 – February 17

MOXIE Theatre is offering RESDC members $5 off regular price adult tickets to Herland, a comedy about growing up, growing old, and rocking out to the beat of your own drum. Use discount code RESDC when you purchase online at www.moxietheatre.com or call the Box Office at (858) 598-7620. MOXIE Theatre is located at 6663 El Cajon Blvd Ste. N, San Diego, CA 92115.

About the Play: Jean is not moving into a retirement home. She recruits her best friends who are also in their 70s and a high school intern to hatch a bold plan for a Utopian alternative. Formerly the domain of a locally famous Bruce Springsteen cover band, Jean’s garage becomes the stage for a hilarious story about growing into yourself and getting what you want. This is a National New Play Network Rolling World Premiere. ◾

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Pension Facts
Large Public Pensions Cast a Shadow on All

By Chris Heiserman, Director

Extraordinary benefits for a small segment of retirees that grab major media headlines cloud the general public perception of retirement plans for all government workers. The individuals who receive these especially lucrative pensions would legitimately argue that they “earned” their retirement paychecks in accordance with rules in negotiated labor contracts.

Still, it can strain the bounds of reason to describe many of these benefit packages as passing any reasonable common sense or fairness test. No wonder public pensions attract scowling criticism when newspapers call out examples like these:

Police/Fire Pensions “DROP” LA Budget

In 2001, voters in the City of Los Angeles approved a Deferred Retirement Option Plan (DROP) promoted by police and firefighter unions that wasn’t supposed to cost taxpayers any extra money. It was billed as a way to entice experienced public safety veterans to put off retirement for five years and continue to serve the public and mentor younger officers. The way the plan works is employees agree to freeze their pension benefit when they enter the program, then they receive their regular pay for five years while their pension check is placed in a special account earning 5% interest. As they enter actual retirement after five years, they receive a lump sum payout usually in hundreds of thousands of dollars. The top recipient last year was a former LAPD Assistant Chief who received a $251,000 annual pension, plus $1.3 million in a lump sum payment from the DROP plan.

Other cities (including San Diego) have implemented versions of DROP but found them more expensive than advertised and discontinued them. In Los Angeles a major flaw in the program was highlighted last year in a Los Angeles Times investigation that revealed more than 1,200 DROP participants had taken long injury leaves during the five-year window. This allowed them to collect their pay and see their DROP account grow while not working, often for many months. This also adds to taxpayer expense as someone has to fill in for personnel out on disability.

A study ordered by the Mayor and City Council after the LA Times story broke concluded that DROP had not been “cost neutral” as voters were promised in 2001. Former Mayor Richard Riordan who backed the program originally has called it a mistake and labeled the lengthy injury leaves by DROP participants fraudulent.

Is It Really Double-Dipping?

A December 12, 2018 article in the Daily Herald (Suburban Chicago, Illinois) reported that several suburban fire chiefs collect full time paychecks while also receiving pension checks from a career with another department. For example, a Pingree Grove and Countryside Fire Protection District Chief receives a $117,500 a year salary and also collects $124,037 a year from his previous 30-year career with Wood Dale Fire Department.

Some critics argue that this is “double” or “triple” dipping in the public sector to have retirees collecting another salary and earning credit toward another pension. According to the reporter, other fire chiefs are collecting pension checks from former departments and working for a different agency but electing to receive percentage contributions to a 401(k) savings account instead of a second pension plan.

Most government workers cannot accrue multiple pensions because their jobs (teachers, librarians, judges, etc.) are linked to statewide retirement systems. The perception to some is these individuals are somehow “gaming” the system unfairly and one Illinois state legislator plans to introduce a bill to prevent eligibility for “second” pensions in these cases. On the other hand, despite the impression that these individuals are taking advantage of an opportunity to accumulate more retirement benefits than most public and private sector workers, would the impact on taxpayers be any different if someone else took those jobs?

Unused Vacation and Sick Leave Hours Escalate Pension Costs in Cincinnati

According to a December article in the Cincinnati Enquirer, many of the city’s 6,000 workers are permitted to save unused sick leave, holiday, vacation, and overtime hours until they retire. The journalist who wrote the story said that periodic raises granted city employees have added millions of dollars to the value of that banked time, which is paid out in lump sums. He said the value of the liability in these future payouts has increased 50% in the past seven years, from $93 million to $140 million.

Allowing workers to bank unused hours while earning $10 an hour and cash out at retirement when he/she may be making $20 an hour is not an uncommon practice for city governments. However, the labor contracts that include such provisions are coming under increased scrutiny as more workers retire and large lump sum cash outs strain already tight municipal budgets. ◾

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Ask Your Friends to Join RESDC During Fellowship February

By Chuck Brown, Membership Committee Chair

Last month, President John McTighe noted that The NETWORK is entering its 50th year and reminisced about what he was doing back then – a fairly new employee of the County. I was looking to turn my student worker job into a full-time job when I graduated from San Diego State in 1969. It took a bit of work, but my student worker experience counted as “real” experience – and I was provided a variety of benefits that were all up-front “important” considerations for people newly-entering the work force. Then there was this thing, way off in the future, called “retirement.”

Over the years, the county’s retirement program has seen many changes, but is better than the “fund-it-yourself” uncertainty of 401K/IRA plans. We are fortunate to have SDCERA’s investment management planning and health care benefit choices, and we are also lucky to have the wide variety of additional benefits, discounts, and programs offered by RESDC. Starting with Pacific Group Agencies’ (our benefits administrator) offerings for insurance and services for just about everything, RESDC also offers discounts for products, services, and entertainment. Besides these “tangibles,” we are also fortunate to have an active board and staff who are constantly on the lookout for ways to keep us all in contact – from regularly scheduled member meetings, to social events, and, of course, the monthly news via The NETWORK.

Probably the biggest ongoing benefit of RESDC for retirees is the relentless pursuit of good policy and legislation that affects retirees. Protecting our defined benefit plan and all that goes with it is a year-round job. Providing input to the SDCERA Board, the Board of Supervisors, and our state and federal legislators is a daunting challenge that your Board readily accepts. Below are just a couple of the items on the “2019 radar”:

• The California Supreme Court recently heard oral arguments in the Cal Fire v. CalPERS case over claims by the union that a 1955 decision set a precedent, referred to as the “California Rule,” that bars state and local government from reducing any promised retirement benefits without equivalent new compensation. The California Rule simply establishes that a labor contract is exactly what the name implies — and, by definition, failure to fulfill a promise in a contract is a breach of contract. While this and similar cases will not impact public employee retirees earning a pension, it is certainly worth paying attention to. At the time of this article the court has yet to rule on the case.
• California welcomed Gavin Newsom as its 40th Governor. While Newsom stated in early 2018 he strongly believes changes in pension systems should be done with input and buy-in from workers and those who represent them — rather than unilaterally, we will pay attention to his opinion on issues related to public pensions, including any reforms or possible legislation which could be impactful. Additionally, Newsom assured public employee unions in a 2018 endorsement meetings that he would honor the California Rule even if courts overturn it, according to a summary released by California Professional Firefighters.

This month’s ACTION: Make a list of your county employee friends, active or retired, and think about what would encourage them to join RESDC. Also, we’re trying to expand our member information. If you haven’t already done so, please contact the RESDC office by calling (619) 688-9229 or by email at resdc@resdc.net and tell us your retirement date and the department from which you retired. ◾

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February North County
General Membership Meeting

WHEN: Wednesday, February 20, 2019 9:30 – 11:30 AM
Beverages and light refreshments will be available at 9:30 a.m.
Speakers will begin at 10:00 a.m.

WHERE: North Inland Live Well Center
649 West Mission Ave., Escondido, CA 92025

Our program will include presentations on programs and services available from the Elder Law & Advocacy Program, and Interfaith Community Services.

Elder Law & Advocacy, HICAP (Health Insurance Counseling and Advocacy Program) Program Manager David Weil will present on topics including:

• Trends in Medicare, Medi-Cal, Healthcare, Long-term Care Insurance
• Elder Law & Advocacy – Purpose and Services
  • Senior Legal Services
  • Caregiver Legal Services
  • Nursing Home Rights Enforcement Project
  • PACE (Property Assessed Clean Energy) Program
  • Elder Abuse Restraining Order Representation

Interfaith Community Services Senior Services Program Manager, Beth Brainerd Hallock, will give an overview of Interfaith’s Senior Program. Interfaith works with North County seniors to help them age in place safely and securely. Interfaith case managers offer in home case management services as well as health care navigation and resources and referrals for issues ranging from transportation, housing, medical needs, Medicare, and MediCal – just to name a few. Interfaith also offers home safety assessments through their free Minor Home Repair program and provides grab bar installations, smoke and carbon dioxide detectors, and general light home repair. Interfaith also operates a mobile “Senior Center” which provides a socialization opportunity through a nutritional lunch and informational program at different locations five days a week. In addition, Interfaith is partnering with Neighborhood Healthcare in a new, cutting edge, collaborative care program addressing seniors’ basic daily needs alongside their mental health needs.”

Directions: Take I-15 North. Use exit 32 to merge onto CA-78 East, and then exit onto Centre City Pkwy S. Take an immediate right onto West Mission Ave. Turn left at Alvarado Way into the parking lot.

RSVP requested but not required. Visit www.resdc.net/events or call 619-688-9229. ◾

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Theatre Outing to The Old Globe
February 24 at 2:00 pm

Join your fellow RESDC members for a play on February 24th at The Old Globe! We will be attending Familiar by Danai Gurira, a new comic drama about tradition, marriage, and family (contains strong language).

A limited number of group-rate $54 tickets are available on a first-come, first-serve basis for purchase through RESDC (regular price $77-$91). Our Theatre Outing is a popular event. At the time of printing this newsletter we still have tickets, but we cannot guarantee availability. Tickets can be purchased online at www.resdc.net/events, or by calling the RESDC Office at (619) 688-9229 during our hours of Mon-Fri 9am – 2pm. Please inform us of any special requirements, e.g. wheelchair or difficulty with stairs.

Tickets will not be mailed. Tickets will be available for pick up from a RESDC representative adjacent to the theatre starting one hour prior to show time (look for the blue shirt or ask a Box Office representative where we are located).

When
Sunday, February 24, 2019 at 2:00pm
We recommend arriving about an hour early to locate parking and pick up your tickets.

Where
Donald and Darlene Shiley Stage
Old Globe Theatre, Conrad Prebys Theatre Center, 1363 Old Globe Way, San Diego, CA 92101
(Do NOT use this address for driving directions. Some GPS systems will misdirect you down a service road. See below.)

Directions
The Old Globe is located in Balboa Park, San Diego’s cultural treasure. The theatres are located off of El Prado between the San Diego Museum of Art and the Museum of Man. If you use the address of The Old Globe, some GPS systems will direct you to the service road behind the theatre, where parking is limited to 10 minutes. Please refer to the written directions below, or visit the “Plan Your Visit” section of The Old Globe website at: https://www.theoldglobe.org.

Driving North: Take Interstate 5 to the Sixth Avenue exit. Turn right (north) and follow Sixth Avenue to Laurel Street. Turn right (east) on Laurel and drive straight into Balboa Park.

Driving South: Take Interstate 5 into San Diego. Exit at Sassafras Street and follow Kettner Boulevard to Laurel Street (second stop light). Turn left (east) on Laurel and drive straight into Balboa Park.

Driving East (via Harbor): From Point Loma, take Harbor Drive west from Rosecrans. Turn left onto Laurel Street. Pass Sixth Avenue, and drive straight into Balboa Park.

Driving West: Take Interstate 8 to 163. Go south on 163 and exit at University Avenue. At the light, continue straight along Sixth Avenue to Laurel. Turn left (east) on Laurel and drive straight into Balboa Park. ◾

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See’s Candy Certificates
Increase in Price for 2019

See’s Candy has increased the retail price of their candy commencing January 2019 to $21.00 per pound. Our office will offer See’s Candy Certificates to our members for the price of $18.00 for each one pound  gift certificate. This is a $3.00 savings over the retail price.

Please send a check payable to RESDC for the number of certificates you want to purchase with a business-sized (#10) stamped self-addressed envelope to RESDC, 8825 Aero Dr., Suite 205, San Diego, CA 92123. For more than five certificates please affix .70 cents postage on the return envelope.

RESDC members are also entitled to a group discount at the See’s Discount Stores at 3751 Rosecrans Street in San Diego and 1830 Marron Road, Suite #124 in Carlsbad. You must show them your RESDC Membership Card for the discount. The group discount price for a one pound pre-packed box of chocolates is $16.80 if purchased in person at the San Diego and Carlsbad discount stores. ◾

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Board Member Profile
Carl Silva

Carl Silva, Veteran, U.S. Air Force (1963-1967), became a board member of the Retired Employees of San Diego County in 2018.  He retired from the County of San Diego at the end of 1999 after serving 25 years in the Assessor/Recorder/County Clerk’s office.  He started as a field appraiser and retired as Chief of the Systems/Standards Division.  After retirement, he became a consultant in state and local property and sales tax and land management systems. Mr. Silva graduated from Loyola University of Los Angeles (now Loyola Marymount University) with a Bachelor of Business Administration degree and a minor in finance. He is a native of San Diego living in Jamul.

Mr. Silva has been married for 48 years and enjoys traveling.  He formerly served as a board member of the Jamul-Dulzura Union School District and has also volunteered for several community organizations. ◾

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RESDC Annual Member Recruitment Mailer

By Mark Nanzer, Executive Director

I’m excited to report on our most recent RESDC member recruitment. I am pleased to welcome all our new members and we look forward to serving you in the new year and beyond!

In collaboration with SDCERA and Pacific Group Agencies, RESDC mailed out a membership packet with the 2019 Benefits Open Enrollment Kit to over 7,500 non-RESDC member retirees. I want to extend special thanks to our partners in this effort, SDCERA’s Communications Manager Jerry Fafaul, and Pacific Group Agencies’ Steve Pettee and Greg Margulies.

We sincerely appreciate your membership and encourage you to visit our website at www.resdc.net, where you will find information on upcoming events, keep up-to-date on what’s happening in the world of public pensions, and learn how to access great RESDC member benefits and community resources.

Thanks so much for your support and I hope to see you at our upcoming events including our February 20^th General Membership Meeting in Escondido and our Theatre Outing on February 24^th at the Old Globe Theatre.

Welcome New Members

Evelyn Aguilar
Ester Albano
Michael Anderson
Alfredo Angeles
Martha Anneler-Wasdyke
Martin Aviles
Janet Ayers
Jean Barke
James Bigbee
Janet Billups
Dennise Blaauw
Keisha Blair
Howard Bradley
Rosalyn Brady-Downes
Anita Brua
Josefina Bucao
Kathy Burgener
Rhonda Burrell
Geraldine Burton
David Byrnes
Mary Cahill
Rose Mary Caragol
Luz Carino
Dean Carlson
Maria Casanova
Neil Castillo
Sheryl Chasteen
Lori Cheney
Eulalia Chiong
Wendell Chun
Steven Clarke
Debra Clarkin
Marianne Cleveland
Michael Collins
Pamela Conlin
Rosa Maria Cortez
Elizabeth Cotten
Suzanne Dau
Lauren Davenport
Michelle DeHoyos
Teresita Del Rosario
Lisa Digiacomo
Tai Doan
Patricia Downs
Estela Dyda
Sandra Edwards
Raymundo Esteba
Evelyn Faelnar
Robert Fares
Thomas Fincher*
John Fisher
David Flesner
Romeo Flores
Jolynn Frodsham
Benedicta Gabriel
Jonathan Galloway
Cynthia Garaner
Joan Garcia
Martha Garcia
Edna Garcia
Joan Gibson
Barbara Gomez
Kimberly Goodwin
Leoncio Gurrola
David Hale
Suzanne Haley
Dava Hall
Jonda Hammons
Linda Haney
Charles Hansen
Lynne Happel
Thomas Hargraves
Eileen Hatherley
Debbie Havens
Janice Heminger
Lisa Hendrickson
Nancy Hess
Scott Hovda
Jo-Ann Howard
Michael Howard
Janice Jenkins
Bill Jensma
Joyce Johnson
Paul Kain
James Kandlik
Dolores Keeling
Michael Kelleher
Becky Kelley
Connie Kent
Barbara Kiracofe
Bennie Lambert
Jo Lane
Cynthia Learned-Kane
Lisa Leondis
Ronda Levin
Gregory Locke
Ruthann London
Rosario Lopez
Jo Beth Lytle
Luis Macias
Patricia Maldonado
Sherry Markham
Patricia Martinez
Nancy Maxwell
Maryann McClung
Patrick McDonough
Susan McInerney
Edward Merk
Dale Merrick
Maria Merritt
Diane Michaels
Michelle Mikell
Ann Miller-Davis
Pamela Moniz
Evie Moraga
Michelle Moss
Elenita Mucho
Aaron Nagy
Greta Ngalongalay
JoAnn Olden
Steven Ollivierre
George Osper
Patrick O’Toole
Wilson Paje
James Parks
Peter Patch
Daniel Porter
David Provencher
Kathy Przekopp
Michael Przytulski
Julieta Quinonez
Michael Robinson
Cecilia Rochino
Richard Rodriguez
Eric Rudell
Scott Ryan
Ana Salas
Mark Samson
Carole Sanford
Malichanh Sassady
Michelle Saville
Sherry Schadeck
Mohamad Nazmi Sharabi
Barbara Shelton
Jimmie Sigmon
Charlie Singleton
Denis Smith
Kevin Spence
Martha Spinali
Patrice Steward
Lisa Stubbs-VonNordheim
Fereshteh Tahmassbi
Mark Tarner
Suzanne Thompson
Virginia Traver
Edna Trigo-Valdez
Brian Tripp
Tafale Tuatagaloa
Marlene Tutt*
Antonio Ustoy
David Van Nyhuis
Gena Vanderbrug
Marvel Votaw
Lawrence Watt
Lori Weber
Denise Weinrich
Maria Whitley
Teresa Wiatrowski
Renee Wiederhold
Jeffrey Winton
Lee Wolfe
Nancy Woodford*
Lisa Yocum
Debora Zadrozny
Elizabeth Zellner

*Associate Member

The surviving Spouse of a member is eligible for RESDC membership. For enrollment assistance, please call: (866) 688-9229. ◾

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