National Active and Retired Federal Employees Association

 Kentucky Federation of Chapters
Federation and Chapter History


 Photos     &     History

1. 2006 Kentucky Federation Convention, Paducah, Ky.
2. 2006 Kentucky Federation Convention, Paducah, Ky.
3. 2007 Kentucky Federation Convention, Louisville, Ky.
4. 2007 Kentucky Federation Convention, Louisville, Ky.
5. 2007 Kentucky Federation Convention, Louisville, Ky.
6. 2007 Kentucky Federation Convention, Louisville, Ky.
7. District I   Spring Sprints at Miss Scarlett's in Grand Rivers, Ky.
8. 2009 Derby Chapter 1610 Celebrates their 30th Year
9.  A Tribute To Joan and Robert "Bob" Veasey
10. 2011 Kentucky Federation Convention, Lexington, Ky.
11. 2011 Fall Roundup District I 
12. 2012 Kentucky Federation Convention, Hopkinville, Ky.
13. 2012  Metro Louisville Chapter 262  "Walk to End Alzheimer’s."
14. 2012 Fall Roundup District I 
15. 2013 Kentucky Federation Convention, Bowling Green, Ky.
16. District I   2013 Annual April Spring Sprint at Miss Scarlett's in Grand Rivers, Ky.
17.  District I  DVP Visits Trigg County Chapter 1730
18.  District I  DVP Visits Trigg County Chapter 1730
19.  Kenneth W. Overhults Letter to the Editor
20  District 1 Started a Blog to inform Chapter Officers about events
21  2014 Kentucky Federation Convention, Louisville, Ky.
22  District I 2014 Annual Spring Sprint/Fling at Miss Scarlett's in Grand Rivers, KY.
23  The Louisville Dulcimer Society at the Kentucky Federation of Chapters Convention

If any Kentucky Federation of Chapters Member wish to caption a photo just copy the image, tell me where it is and I will place the caption under the photo. The above is numbered 1 -21 and that can give me a general idea of where a photo is.

Photos of Federal Employees at Work On the Ohio River


 A Lot To Be Thankful For

It’s only natural when considering whether to join or renew membership in an organization
to ask: What have you done for me ... lately?
Luckily, NARFE has a lot to report. Here is a roundup of some of the Association’s   legislative accomplishments on your behalf.



National Active and Retired Federal Employees Association

Association is an organization of persons having a common interest.

NARFE’s mission has remained the same since 1921: To preserve and enhance the retirement benefits of federal retirees, employees and their families.


1883 - The U.S. Congress established the Federal Civil Service with the "Pendleton Act."

1920 - The Civil Service Retirement Act was passed by Congress to provide a maximum retirement annuity of $720 per year!

1921 - The National Association of Retired Civil Employees, renamed the National Association of Retired Federal Employees (NARFE) in 1971, was organized by 14 federal workers to seek improved retirement benefits.

1926 - Congress increased annuities to a maximum of $1,000 per year.

1942 - Congress established age and years-of-service requirements allowing employees with 30 years of service to retire at the age of 55.

1943 to 1961 - Retirement eligibility requirements and benefits were liberalized, and Congress approved periodic increases in annuities.

1959 - Congress enacted FEHBP to provide health insurance for federal workers and their families.

1962 - Automatic cost-of-living adjustments (COLA) based on the Consumer Price Index went into effect.


Obtained legislation that allowed survivor benefits; Restored full annuity to retirees following the
death of the designated survivor;

Supported a change from "High-5" to "High-3" years of service as the basis for computing annuities;

Achieved passage of the Second Spouse Bill to allow benefits for a second spouse or a spouse in a
post-retirement marriage;

Succeeded in having annuitants included in the annual Open Season to allow changes in their
FEHBP coverage;

Initiated legislation to allow survivor annuitants to remarry after age 55 without loss of their federal
survivor annuity or FEHBP coverage;

Achieved liberalization of the 1983 Windfall Elimination Provision (WEP) and Government
Pension Offset (GPO) amendments to the Social Security Act, lessening the adverse economic affect
of these two provisions;

Formulated the policy and coordinated the support for enactment of the Federal Employees Retirement
System (FERS) in 1986;

Spearheaded efforts which led to enactment of an amendment to the Gramm-Rudman-Hollings Budget
Enforcement Act of 1985, giving federal and military retiree COLAs the same protection from automatic
sequestration that the original bill gave Social Security COLAs;

Protected COLAs against numerous proposals to withhold, delay or eliminate this annual boost in the
annuities of federal retirees and survivors; with this protection, the annuity of the federal worker, who
retired 20 years ago, increased by about 70%;

Supported legislation in 1989 that substituted a "phantom premium" in the FEHBP premiumsharing
formula so that withdrawal of the large Aetna plan did not result in major premium hikes
for enrollees;

Authored a statutory guarantee requiring the Secretary of the Treasury to reinvest and make
whole any interest lost to the Civil Service Retirement Trust Fund as a result of any debt

Supported the 1989 Davis v. Michigan case before the U.S. Supreme Court which ruled that
states could not tax federal annuities unless they applied the same tax laws to their respective state
and local government pensions; that decision set off a round of legal and legislative challenges in
states across the nation. In some 23 states, these NARFE-lead efforts eventually resulted in
thousands of annuitants receiving considerable tax refunds and thousands more benefiting each year
from savings in state taxes;

Led a successful national campaign to repeal the Medicare Catastrophic Act and its accompanying
surtax on millions of older Americans;

Won a long battle to enact federal legislation prohibiting states from source-taxing the
retirement income of former residents;

In 1993, saved survivors from an ill-conceived budget proposal that would have reduced future
survivor annuities by some 10 percent. In 1998 played a strategic role in developing a
new "Fair Share" premium-sharing formula, for FEHBP that has saved enrollees hundreds of
dollars each year;

Deleted a proposal from the FY 1999 House budget resolution that would have shifted new
FEHBP premium ($3.1 billion in additional costs) to employees and annuitants;

Fought efforts to introduce controversial Medical Savings Accounts (MSAs) into the
FEHBP, saving enrollees from even higher health care costs.

Fending Off Budget Reductions

2007 The President’s FY 2008 budget included a reduction in government Federal Employees
Health Benefits Program (FEHBP) contributions for certain future retirees. It also advocated
expanding Health Saving Accounts in the FEHBP. NARFE was instrumental in eliminating these
items from the final congressional Budget Resolution.

2006 The Senate Budget Committee approved a bill that required automatic reductions in federal civilian and military retirement benefits. NARFE saw to it that no further action was taken.

2006 NARFE persuaded the House Education and the Workforce Committee not to reduce
federal workers’ compensation benefits after the House version of the FY 2007 Budget Resolution instructed the committee to cut entitlement programs by $1.3 billion.

2005 The National Association of Retired Federal Employees (NARFE) has a new name. It is now the National Active and Retired Federal Employees Association (formerly the National Association of Retired Federal Employees).

2005 Congress proposed to cut federal civilian retirement benefits (including the FEHBP and
cost-of-living adjustments) by $2.3 billion from the FY 2005 budget. NARFE, with the help of
friends in Congress, was successful in having this proposal dropped.

2004 Amendments were proposed to require automatic reductions in federal civilian and military retirement (but not Social Security). The cut in civilian retirement over the next 10 years could have been as much as $99 billion, drastically reducing FEHBP and other federal retirement benefits. Strong opposition from NARFE defeated the proposal.

2003 The House Budget Committee called for cutting federal civilian retirement benefits by $38.3 billion. NARFE, with the help of friends in Congress, succeeded in stopping this proposal.

2002 The House Budget Committee proposed requiring federal agencies to pre-fund post-retirement FEHBP premiums and pay the full normal cost of federal civilian retirement benefits. This would have created an artificial funding crisis that would have undermined the health security of federal employees and annuitants. NARFE persuaded the Committee to withdraw this proposal.

1997 Legislation that would have required automatic spending cuts in programs such as federal
civilian retirement, if total spending exceeded certain limits, was defeated after NARFE, with bipartisan assistance, persuaded Congress to reject this bill. There has been no legislated reduction in civil service retirement benefits in more than a decade. Despite years of budget deficits, major natural disasters, a changing world economy, terrorist attacks at home and wars abroad, our earned benefits have remain untouched because NARFE, backed by activist members and supportive members of Congress, has acted as a deterrent against adverse proposals.

Enhancing FEHBP

2003 NARFE was instrumental in having legislation passed that protects the prescription drug coverage of the FEHBP for Medicare-covered annuitants.

1997 Through NARFE’s efforts, the “Fair Share”
FEHBP government contribution formula was added to the year’s Balanced Budget Act, saving the average enrollee $164 (self-only) to $326 (self-andfamily)in premiums the first year alone.

Additional NARFE Accomplishments

* Pay Parity was passed on March 31, 2004, and has been maintained.

*Legislation was enacted December 23, 2004, to offer federal workers and annuitants
separate dental and vision insurance.

* Federal Long Term Care Insurance became law in December 2003.

* The NARFE-endorsed Patients’ Bill of Rights was implemented in 1998.

* A proposal to eliminate the annuity portion of the Federal Employees Retirement
System (FERS) was defeated in 1998.

NARFE Is Your Insurance Policy

NARFE acts as your insurance policy against a reduction in your annuities and health-care protection.
Federal health care and retirement benefits are always vulnerable, particularly with a budget deficit. Indeed, in the not too distant future, lawmakers may want to cut federal retirement in response to the tremendous pressure 77 million retiring baby boomers will place on the budget. A strong membership means enhanced clout with Congress.
The next time you wonder what NARFE has done for you ... lately ... take a look at the accomplishments listed here. Then ask yourself if you are still receiving your full annuity, healthcare benefits and cost-of-living adjustments. If you answer yes, then you can


Our current legislative agenda focuses on:

1. Protecting existing retirement and health benefits while Congress attempts to deal with high federal budget deficits;

2. Fighting the growth of controversial “Health Savings Accounts,” which could make comprehensive health plans more expensive;

3. Extending the “Premium Conversion” rights of federal employees to federal annuitants, so they, too, can pay their Federal Employees Health Benefits Program premiums with nontaxable
dollars and save hundreds of dollars each year; and,

4. Repealing the Social Security Government Pension Offset (GPO) and Windfall Elimination Provision (WEP)—two provisions that can substantially reduce the expected Social Security income of certain retired federal workers.



Crittenden County 
Local Chapter 1373 Charter

Strength through numbers



Active and Retired Federal Employees

22,000,000        Strong

Strength through numbers


National Active and Retired Federal Employees Association

Association is an organization of persons having a common interest.


District 1 National Active and Retired Federal Employees Association

We had a good time talking with Kentucky's First Congressional District United States Representative Ed Whitfield. 
District 1 National Active and Retired Federal Employees Association had a meeting with him at the Senior Citizens Center in Hopkinsville, KY.
It was a remarkably enlightening event which dispelled a lot wives tales and rumors floating around the country. Every one had some concern about their health care and Obama's plan to offer a government plan within Medicare. Another concern was that our retirement benefit would be reduced by Congress but this idea was dispelled.


Region X Federation of Chapters
Paul H. Carew
Regional Vice President, Region X 
States: Kentucky, North Carolina, Tennessee, Virginia and West Virginia

Region X Federation Websites

Kentucky Federation of Chapters

North Carolina Federation of Chapters

Tennessee Federation of Chapters

Virginia Federation of Chapters

West Virginia State Federation of Chapters



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