Retirement Brouhaha

Blogs, an online petition, and an email making the rounds claim that Senators and Congresswomen do not pay into Social Security and, of course, they do not collect from it” because they voted their own benefit plan into effect. “When they retire,” the email claims, “they continue to draw the same pay until they die. Except it may increase from time to time for cost of living adjustments…”

And, of course, it is free to them.

“OUR TAX DOLLARS AT WORK!”

On the other hand, the email claims, we ordinary folk “would have to collect our average of $1,000 monthly benefits for 68 years and one (1) month to equal Senator Bill Bradley’s benefits!”

Wrong. Interesting but wrong.

It is simply not true that Congressmen do not pay into the Social Security fund. Public Law 98-21 of 1983 required Social Security coverage for federal civilian employees. They have paid into the fund since 1984 just as most every American employee does. That means, in addition to any other retirement benefits, they get Social Security, too! (There are exceptions. Congress Critters who had participated in CSRS could elect to stay in that plan in addition receiving Social Security or elect a plan that integrates CSRS and Social Security.)

The 2009 salary for rank-and-file members of the House and Senate is $174,000 per year. Leaders of the House and Senate receive a higher salary than rank-and-file members.

It is also not true that Congress Critters “paid nothing in on any kind of retirement.” They must contribute 1.3% of their salary to the Federal Employees’ Retirement System and 6.2% in Social Security taxes up to the current $106,800 salary cap.

Snopes reports that “It is not true that Congressmen ‘continue to draw their same pay, until they die.'” Many factors go into the size of their pensions but “by law [that pension] cannot exceed 80% of their salary at the time of their retirement.”

Congress Critters are eligible for a pension at age 50 if they have completed 20 years of service. The average annual Congressional pension is $60,972 in 2009 but the most a rank-and-file member could get is $139,200. Seems like it is in their best interests to stay in office until they die.

I understand why people want to join this club. I’m not sure I understand why we pay so much to put them there.

If I spent my life as a bum, why can’t I afford to retire now?

One Piece At A Time

With apologies to Johnny Cash and writer Wayne Kemp who inadvertently chronicled our present health care delivery system, One Piece At A Time: Mr. Cash left Kentucky back in ’49 and went to Detroit workin’ on the assembly line. He smuggled out a piece, he smuggled out a pair, and sooner or later he had a car out there.

Well I left Kentucky back in ’49 and
Went to Washington work on the assembly line
The first year they had me puttin’ peeps on Medicare
Every day I’d watch them beauties roll by
And sometimes I’d hang my head and cry
Cuz I always wanted me one that was big and fair
One day I devised myself a plan
That should be the envy of most any man
I’d sneak it outta there in a lunchbox in my hand
Now gettin’ caught meant gettin’ fired
But I figured I’d have it all by the time I retired
I’d have me a plan worth at least 100 grand

I’d get it one piece at a time
And it wouldn’t cost me a dime
You’ll know it’s me when I come through your town
I’m gonna ride around in style
I’m gonna drive everybody wild
Cuz I’ll have the only one there is around

So the very next day when I punched in
With my big lunchbox and with help from my friend
I left that day with a lunchbox of blood smears
I’ve never considered myself a thief
But America wouldn’t miss one little piece
Especially if I strung it out over several years
The first day I found me a breast lump
And the next day I got me a freestanding birth center
Then I got me an ambulance and all the chrome
The little things I could get in my big lunchbox
Like pins and gowns and electroshocks
But the big stuff we snuck out my buddy’s mobile home
Now up to now my plan went alright
‘Til we tried to put it all together one night
And that’s when we noticed that somethin’ was definitely wrong
The insurance checks were from ’53 and
The hospital bill was a ’73 and
When we tried to put in the bolts all the holes were gone
So we drilled it out so that it would fit and
With a little help from an adapter kit
We had that hospital runnin’ like a song
Now the OR lights, they was another sight
We had 2 on the left and 1 on the right
But when we pulled out the switch all 3 of ’em come on
The back end looked kinda funny too
But we put it together and when we got through
Well that’s when we noticed that we only had 1 bed pan
About that time my wife walked out and
I could see in her eyes that she had her doubts
But she opened the door and said
“Honey, take me for a spin”
Drove uptown just to get our subsidies and
I headed her right on down main drag
I could hear everybody cryin’ for blocks around
But up there at the Congress they didn’t laugh
Cuz to type it up it took the whole staff and
The final Health Care Reform Act weighed 60 pounds

I’d got it one piece at a time
And it didn’t cost me a dime
You’ll know taxes ain’t never going down
I’m gonna ride around in style
I’m gonna drive everybody wild
Cuz I’ll have the only one there is around

Uh, yeah Red Rider this is the Cotton Mouth in the
Psycho Billy HMO, come on
Huh?
Uh, this is the Cotton Mouth and neg-a-tory on the
Cost of this moe-sheen there Red Rider
You might say I went right up to the factory and
Picked it up, it’s cheaper that way
Uh, what model is it?
It’s a 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59
patchwork blanket
It’s a 60, 61, 62, 63, 64, 65, 66, 67, 68, 69, 70
holey basket.

We built our Health Care system pretty much that way. One Piece At A Time. And just like that 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62, 63, 64, 65, 66, 67, 68, 69, 70 automobile, the gas tank leaks and the engine makes funny noises.

Everybody in this discussion, from the most fervent ObamaCare supporter to the most ardent contrarian, has a good answer for patching up a rusty old car that runs on three cylinders and has two flat tires. It might keep us going to the next exit, but it won’t carry the family across the country on vacation.

The same Democrats pushing patches on the current system want to reinvent the automobile from the ground up but all they want to do with health care is find a few more people to cover and another way to pay for it.

The same Republicans opposing changes to the current system want to keep that clunker but all they can to do with health care is keep the money from flowing to Washington.

We deserve better. We need to start from scratch. And if your Congress Critter or President tries to pay this new 1,000 page tax bill with your wallet, throw da bum out.

Sing it with me now,
It’s a 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59
patchwork angina
It’s a 60, 61, 62, 63, 64, 65, 66, 67, 68, 69, 70
insurance black hole.

Disinformation?

The White House is on a mission to clarify what it calls “disinformation” about what they call health care reform and I call two trillion dollars of new taxes.

The president went to in Portsmouth, New Hampshire, on August 11 to sell his plan to the voters. He had a great crowd. Unlike the House member “Town Halls” that Nancy Pelosi says Republicans pack with “un-American” hooligans, ABC noted the Democrats packed the President’s gathering with yes-men while outside was packed with the (disenfranchised) nay-sayers.

In selling his plan, President Obama said, “the American people will be glad we acted to change an unsustainable system.” Too bad the news reports refuted that.

Nobody in Washington — not even the President — listens. “The problem is people become frustrated because they can’t get their voices heard,” Corey Lewandowski, of the activist group Americans for Prosperity said. The President apparently still believes even the frustrated people will be glad.

In selling his plan, President Obama said, “We have the AARP on board” to endorse the bill. Too bad AARP refuted that statement.

“Indications that we have endorsed any of the major health care reform bills currently under consideration in Congress are inaccurate,” an AARP statement said.

In selling his plan, President Obama said, “Under the reform we’re proposing, if you like your doctor you can keep your doctor. If you like you health care plan, you can keep your health care plan.” Too bad our experience in Vermont refuted that claim, too.

ABC News aired a periodic “Fact Check.” It didn’t dig deeply enough to see the expectation (born in Vermont) that insurance companies would flee.

Reporter David Wright supported the president. “Opponents of health care reform claim that the proposed changes would put private insurance companies out of business,” he reported. “That’s false.” Wright went to the bill itself to to show that insurers will continue in business. Section 102 of the current House bill actually says “Insurance companies have five years to comply with new government standards.”

They won’t.

See, Vermonters have a little experience with voluntary compliance with government standards. In 1992, then-Governor Howard Dean signed into law a program to force universal health care on Vermont by 1995. (Governor Dean opposed a competing single-payer plan as too expensive. “Their package would have cost $500 million in a state with a total budget of $1.3 billion,” Governor Dean said at the time.) His new law banned “cherry picking” and enacted many of the rules present in the current House bill.

Strangely, insurance companies did not flock to Vermont.

In fact, Vermonters found just the opposite happened.

In 1990 the state had more than a dozen companies writing health insurance for Vermonters. By 1995, the state had three companies writing health insurance for Vermonters.

The current House bill also includes tax breaks and mandates to keep employers from exercising their free market right to drop existing (expensive) insurance plans. Mandates may make good sound bites; they don’t work if no one sticks around to obey them.

What have we learned today?

Maybe, just maybe our trust that our politicians could tell the truth should match our expectation that used car dealers ever tell the truth.

Get a Backbone, Dodd

The AP reports that, “Facing the toughest re-election fight of his nearly 30 years in the Senate, Sen. Christopher Dodd (D-CT) boasts about snubbing lobbyists.” That hasn’t stopped him from cashing their campaign checks and schmoozing them at fundraisers and party gatherings.

I gotta tell you, Senator, if you took my money in the bedroom and lied about me on the street, it would be the last time you got any from me.

Take a lesson, politician. It is time to put your mouth where your money is.

Independence Day

Here’s a revolutionary idea.

Independence Day commemorates our declaration of independence from the King of England. The revolution officially began two days earlier when the Second Continental Congress approved the legal separation of the American colonies from Great Britain, a resolution proposed by Richard Henry Lee of Virginia in June. After voting for independence on June 2, Congress debated and revised the Declaration itself for two days and approved it on July 4.

In the centuries since, only the current Congress has moved with anywhere near the speed, since the current Congress has passed trillions of dollars of spending on millions of pages of bills in less than 100 days.

The Declaration of Independence fits on one page.

In Peoria just one hundred fifty-five years ago Rep. Abraham Lincoln said,

Nearly eighty years ago we began by declaring that all men are created equal; but now from that beginning we have run down to the other declaration, that for some men to enslave others is a “sacred right of self-government.” … Our republican robe is soiled and trailed in the dust. Let us repurify it. … Let us re-adopt the Declaration of Independence, and with it, the practices, and policy, which harmonize with it.

Lincoln spoke of the enslavement of persons. Today our republican robe is soiled and trailed in the dust by a government that would enslave We the People, taking more and more of our rights and our land and our life’s blood to its own purpose.

Two hundred thirty-one years ago today, General George Washington marked July 4 with a double ration of rum and an artillery salute for the soldiers who fought off the foreign monarchy that did enslave us. Now it is time to mark July 4 with a double ration of electoral salute to those who would be the modern monarchy of government.