CARMEN FLORES
TRUSTEE / DINNER DANCE CHAIRPERSON
Outlook July / August 2017
Greetings union brothers and sisters. I hope everyone is enjoying these lazy, hazy days of summer; but as you do, please keep in mind that our Annual Dinner Dance is just around the corner. The dance will be held on Sunday, November 12, 2017 from 12 noon until 5:00 pm at the Marina Del Rey. The tickets cost $85.00 each and are currently available.

The time is now to think about your future and pending retirement, as we all wait for the contract to be ratified. Putting money aside for your retirement needs is simple with the Mutual Benefit Association, which is designed especially for letter carriers. The MBA offers retirement plans for regular letter carriers and their families, as well as a plan designed specifically for CCAs. Presently, all retirement plans are at a 3.75% interest rate, which is a far better rate than you will receive at any bank. The amount of money allocated to your Retirement Savings Plan is all up to you. For additional information, you can visit the NALC.org website and the benefits link (MBA) or directly call to request a pamphlet at (202) 638-4318. You may also contact me at the branch to request copy of the pamphlet.

May you all continue to have an enjoyable and safe summer.

Outlook May / June 2017
Food Drive 2017
Melinda Hammond and I would like to extend our genuine appreciation for the overwhelming support we received this year from the shop stewards and members of Vincent R. Sombrotto Branch 36. We would furthermore like to thank our President Charlie Heege for this extraordinary opportunity to take the lead and make a difference.

This year, we are proud to announce that we surpassed last year’s total by 40,000 lbs. Our grand total of food collected was 117,323 lbs. Hats off to everyone, we made a difference!

We would like to thank the following carriers, who volunteered and assisted in the separation of the Food Drive cards: Anthony McDaniel (shop steward - Old Chelsea), Tayry Vega (shop steward - Audubon), Angelique Rios (CCA-CPPF), O’Savio (CCA-Cornell Station), Pablo Martinez (High Bridge), Wilson Espinosa (shop steward - Morris Heights) and former CCA Carlos Alvarado (Cathedral). Many thanks to our photographer, Kathy Kirton, for documenting the event with many great photos. We would like to offer special thanks to Karla Navas for doing a fantastic job translating into Spanish, and to Helen Amill and Tayry Vega for reading the proclamations at the food drive kickoff. All of these people were instrumental in making it an overall success. We look forward to next year’s NALC Stamp Out Hunger Food Drive.

Dinner Dance
Just a reminder: Our Dinner Dance will be held on November 12, 2017, at 12 noon at the Marina Del Rey. Tickets are $85.00 per person.
Mutual Benefits Association
As we move forward in our careers as letter carriers, it is important to prepare for life changing events and retirement. The NALC Mutual Benefit Association offers life insurance policies, a hospital plus policy, and retirement savings plans for carriers, CCAs and their families. The MBA also provides all retirees, active members and CCAs with an Accidental Death Benefit of $5,000 at no cost to the member. More information can be found at the NALC website (www.nalc.org); simply click on Member Benefits, or call the MBA (202) 638-4318, or contact me at the branch at (212) 239-3901. I am an MBA Representative and able to assist you with any and all questions. I would be happy to help you pick the plan that is best for you and your growing family.
Outlook March / April 2017
25th Annual NALC Stamp Out Hunger
The Letter Carriers Stamp Out Hunger Food Drive is the largest one day food drive and community service exhibited by members of the NALC since 1992. Every year on the second Saturday of May, Letter Carriers across the country collect non-perishable food donations from its customers.

Many of the families who benefit from this event are on fixed incomes and barely making ends meet. Most times, they must choose between paying a bill and feeding their family.

The timing of our food drive is crucial because food banks and pantries receive the majority of their donations during the Thanksgiving and Christmas Holiday Seasons. It is routine for many of these pantries to be depleted of supplies by springtime, entering the summer months in bad shape when school is out and children need it the most.

This year’s food drive falls on Saturday, May 13, 2017 and participating is simple. We all know letter carriers are a huge part of their community and therefore have the unique opportunity of asking everyone to get involved and to support a worthy cause by donating nonperishable food. Letter carriers once again have the opportunity to show their support by purchasing a t-shirt that may be worn from May 6, 2017 through May 13, 2017. The t-shirt costs $15.00 and all monies collected will go towards purchasing food. The deadline for t-shirt orders is April 14, 2017, so please get your station order in early and as soon as possible. They are going fast.

Last year, we collected 79,000 pounds of food. I believe we can top that record this year. I am asking all letter carriers to donate at least one can of nonperishable food. This is our food drive and it’s time, lets STAMP OUT HUNGER!

Outlook January / February 2017
NALC/MBA Life Insurance Plans
Happy New Year! I would like to extend congratulations to all of the CCA’s who have recently been converted. I would further like to remind each of you, as your new career begins, of the importance of life insurance.

The NALC/MBA has designed various types of policies, which meet most everyone’s needs. Letter carriers can choose from a Whole Life Policy or a 10-year Renewable and Convertible Term Life Insurance Policy.

In this article, I will discuss the benefits of a 10- year Renewable and Convertible MBA Term Life Insurance Policy. Not only is it affordable, but the premium is determined by your age and will remain unchanged for the 10 years the policy is in effect. You may choose the amount of insurance protection, which suits your family’s needs: $10,000, $25,000, $50,000 or $100,000. You may also determine how to pay your premiums: monthly, annually or biweekly under MBA’s automatic payroll deduction plan. In the event of your death, your beneficiaries would receive the full amount of your policy. You may also renew your policy every ten years without being required to take a physical exam and your premiums will only increase upon renewal; according to age. In addition, after 10 years you may choose to convert to a Whole Life Insurance Plan before reaching the age of 65, without the need of a medical exam. Keep in mind that the face amount of the new policy cannot be greater than the face amount of your existing policy.

One benefit of a Whole Life Policy is that your premiums accumulate and earn interest and are fully paid up in 20 years. The coverage remains intact, unless you decide to cash it in for the current face value, which could be a nice, little nest egg in the future for you and your family.

To sign up, simply fill out an application, which can be found in the Postal Record or contact me at the branch at (212) 239-3901 for an application. Mail the completed form to:
U.S. Letter Carrier Mutual Benefit Association
NALC Bldg. - Suite 510
100 Indiana Avenue NW
Washington, DC 20077

Once you receive your policy, review it. You have within 30 days of receipt to receive a full refund, should you decide not to keep it.

In closing, I hope you will take advantage of the NALC/MBA Life Insurance Plans, because it will obviously pay off in the long run.

Of note, our Annual Food Drive is fast approaching and I look forward to working with all of you. Mark your calendars and save the date: May 13, 2017.

Outlook November / December 2016
Much to my delight, the 40th Annual Dinner Dance was a big success and went off without a hitch. This wonderful event was shared by many letter carriers along with their friends and families. What a time we had! We ate, we danced and most of all, we enjoyed ourselves.

The Dinner Dance Committee did an outstanding job of greeting all four hundred guests with a friendly smile, while directing them to their seats and making sure all of their needs were met. That is by no means an easy task with a crowd that large. Bravo Tayry Vega, Karla Navas, Sheila Mitchell, Helen Amill, Melinda Hammond, Patricio Montenegro and Pascual Ortiz on a job well done. I would also like to personally thank Charlie Heege, our branch President, for giving us the opportunity to make this year’s dinner dance a wonderful event to remember.

As your Mutual Benefit Association Representative, I would like to take a moment to remind you how the MBA policy may benefit you and your family. MBA was created by letter carriers with the goal of assisting carriers who are undergoing life changing events and for those planning for retirement. MBA has a Retirement Savings Plan, which is available for career carriers, as well as CCA’s. The plans include: Traditional IRAs, Roth IRAs and Non-qualified Deferred Annuity Plans. MBA also offers Whole Life Insurance Plans and a Hospital Plus Plan. Presently, all MBA policies have a 3.75% interest rate. I do not know of any bank that offers you this rate, do you? So, as you prepare for life changing events and retirement, please consider taking advantage of the Letter Carriers Mutual Benefit Association by purchasing a policy. For further information visit NALC.org and go to the Members Benefits Section and hit on MBA, or if you prefer, call the MBA Office in Washington, D.C. at 202-638-4318. You can also contact me at the branch at (212) 239-3901. I wish you all a safe and wonderful holiday season.

Outlook September / October 2016
40th Annual Dinner Dance
I hope everyone had a safe and enjoyable summer. We will soon be celebrating our 40th Dinner Dance on Sunday, November 13th, 2016. This event will be held at the Green Tree Country Club located at 538 Davenport Avenue, New Rochelle, NY 10805 from 12 noon to 5:00 p.m. Feel free to check out Green Tree’s website at www.greentreeclub.com. The phone number is (914) 636-8500 and tickets cost $75.00 each.

Once again, I encourage all stations to support our Dinner Dance Journal to guarantee the continuation of the Eyeglass Voucher and Scholarship Fund. We request a small contribution of $5.00 per carrier, so we can continue these great benefits for ourselves, as well as our families. Did you know the Scholarship Fund enables Branch 36 to award four scholarships each year to its members’ children who are in pursuit of a higher education? It is also important to remember as we age, so do our eyes. For these reasons, we must support the continuation of these great benefits.

For tickets, please contact me at the branch. Tickets are available for purchase by calling the branch at (212) 239-3901 or by sending a check to Branch 36 with a ticket request.

I look forward to having a great time with all of you at this year’s Dinner Dance.

Outlook July / August 2016
Mutual Benefit Association
The MBA was established in 1891 at a NALC Convention in Detroit, Michigan. The main objective of the MBA is to assist its members in obtaining low-cost, quality insurance for their own protection as well as their families. The MBA has Retirement Savings Plans, Whole Life Insurance Plans, Hospital Plans, MBA Term Life Insurance 10-year Renewable and Convertible Plans, and Accident Death Group Insurance coverage.

The Mutual Benefit Association at one time offered a Disability Plan to its members. All members who held the Disability Insurance Plan have been grandfathered in and will continue to receive the plan’s benefits.

1. MBA Immediate Annuity (Retirement) pays immediately. There are a few payment options to consider: monthly, quarterly, semi-annually and annually.

2. CCA Retirement Savings Plan: CCA’s can choose to open a ROTH IRA or a Traditional IRA. Once a CCA is converted to a Career Employee they may opt to transfer their existing plan to the Thrift Savings Plan. During that period of time, the transfer will be waived. In a Traditional IRA, the contributions you make each year can be deducted from your federal taxes. In addition, tax-free earnings accumulate (tax-free), until the time of withdrawal. ROTH IRA’s are not tax-deductible, but the earnings are free from taxes from the date of withdrawal, if the owner has held the policy for 5 years and is at least 59 years of age.

3. Hospital Plus: Hospital Plus provides financial services while you are hospitalized. This policy will cover you for 365 days per year; benefits are paid in full regardless of the other health benefits you may receive.

4. Independence: Life Insurance with a one-lump sum premium. It’s a perfect plan for your children and grandchildren. Premiums are determined by the insured’s age at the time of purchase and the amount of coverage needed.

5. MBA Term Life Insurance 10 Year Renewable Convertible: Every 10 years you may renew your policy without taking an exam. Premiums will increase with age. You can convert/change your policy to a MBA Whole Life Policy before you reach 65 without a medical exam. One thing to note is that your new policy cannot be greater than the face amount of your existing policy.

6. MBA Whole Life paid up in 20 years (Perfect for Letter Carriers with young families): Premiums are paid for 20 years; at which time, your policy is fully paid up and you may use the cash value towards: educational expenses, weddings, and or for the purchase of a new home.

7. Whole Life paid up at 65: Premiums are paid in full at age 65 and the policy is in effect throughout your lifetime. You may use the cash value to supplement your retirement or to access a low interest loan.
8. Paid up at age 90: You may borrow against your cash value at a low interest rate (currently .8%). This policy allows you to keep premiums low.

9. MBA Retirement Savings Plan: An annuity policy that delivers extra cash every month to you to supplement your pension. Earned Interest Rates are higher than rates paid by most banks.

10. NALC Accident Death Group Insurance: All active members of the NALC in good standing are eligible for the Basic Accidental Death Benefit. The basic group coverage of $5,000 is offered at no cost to the member. This is a benefit provided by the NALC to its membership. The NALC will provide $5,000 Accidental Death Coverage for injuries sustained from motor vehicle collisions, falls, blunt force trauma or impact, accidental overdose of medication and homicide.

Presently, all policies are at a 3.75% interest rate; which is higher than the rates of most banks.

As your MBA Representative, I look forward to assisting you in choosing the policy that best suits you and your growing family. If you are in need of further information, please take advantage of the NALC website. Click on the Member Benefits link and scroll down to the Mutual Benefit Association or call 1-202-638- 4318.

Remember, strength is our gift, but togetherness is our power. Let’s continue to support MBA and safeguard our retirement, life insurance and hospitalization benefits. Enjoy the rest of your summer and be safe.

Outlook May / June 2016
24th Annual Food Drive
Our 24th Annual Food Drive kickoff was held at the Westside Campaign Against Hunger on May 6, 2016. Much to our delight, we received proclamations from the Mayor and Governor, as well as a letter from Congresswoman Carolyn Maloney applauding our efforts.

Our audience was filled with many people from the community, who desperately rely on food drives and contributions to feed their families. They graciously thanked us for our humanitarian efforts in replenishing the pantries and providing much needed food for their families. We gained much insight into their daily struggles through their stories and a real sense of how important it is for our food drive to continue, year after year.

If you haven’t heard by now, the National Association of Letter Carriers Food Drive is the largest food drive in the country. Letters Carriers all around the United States collect food from their customers, and all of the food collected is delivered to the local pantries in the community.

Letter Carriers deliver mail and so much more than that. We are a part of our community and are always ready, willing and able to lend a helping hand. Whether it is collecting food for our food drive, raising money for MDA or with the Carrier Alert Program, we are always eager to help.

Thank you to the following volunteers who read proclamations: Shop Steward Janice Brown of Time Square Station and CCA Reginald Destin of Cornell Station. Many thanks to our photographer, Shop Steward Kathy Kirton of Peck Slip Station, and to Shop Steward Karla Navas of Co-op City Station for an outstanding speech in Spanish. Karla had short notice but she did a wonderful job. Another person worth mentioning: CCA Carlos Alvarado of Cathedral Station for assisting in the breakup of the food drive cards and for making sure Connecticut received their cards, which were sent to New York. I could not have completed all of Manhattan and the Bronx in one day without his much needed assistance. I would also like to extend my thanks to all shop stewards and members of the Vincent R. Sombrotto Branch 36 for making the food drive t-shirts sale a success.

This was my first year as a food drive coordinator. I would like to thank our Branch President Charlie Heege for not only giving me this opportunity, but for also having the confidence in me that I would be able to do it. It was a lot of work, but together, we got it done. I look forward to next year’s food drive.

Wishing you all an enjoyable summer, stay safe!

Outlook January / February 2016
The following can be found on the NALC website:
www.NALC.org
Why should I join NALC’s PAC, the Letter Carrier Political Fund?
• The Letter Carrier Political Fund identifies and contributes to candidates
who support issues important to letter carriers.
• Joining the Political Fund provides letter carriers with the opportunity
to build electoral and legislative power required to ensure decisions
that impact their lives are made with their best interests in mind.
• Only NALC members can contribute to the Political Fund.
• Union dues are not used, and cannot be used, for political contributions.
• Political Fund contributions are voluntary and can stop at any time.
There is no open season.
• We encourage Political Fund members to make suggestions for political
contributions and to attend local fundraisers.
• Political Fund members are encouraged to attend local events for
members locally who support letter carrier legislative priorities.
Outlook November / December 2015
39th Annual Dinner Dance
What a great turnout! The 39th Annual Dinner Dance was a huge success with well over 600 people in attendance. I would like to personally thank all letter carriers along with their families and friends for attending this wonderful event. I was particularly delighted to see everyone on the dancefloor, having a good time.

It was wonderful to see our honored retirees receiving warm wishes from everyone. What a perfect sendoff as they move onto the next chapter of their lives.

I would also like to recognize the shop stewards and stations that supported the Dinner Dance Journal. These much needed contributions will help guarantee the continuation of the Scholarship and Eyeglass Voucher Funds.

May the spirit of the season wrap you and your family in a safe and peaceful feeling!

Outlook July / August 2015
I hope everyone is in the midst of a wonderful, enjoyable summer. Just want to send out a friendly reminder that this year’s Dinner Dance will be held on Sunday, November 8, 2015. Our fabulous new venue is located at:
The Greentree Country Club
538 Davenport Avenue
New Rochelle, NY 10805
We have a Dinner Dance Journal and all money collected from the journal will support and guarantee continuation of the eyeglass voucher and scholarship fund. A small contribution of $5.00 per carrier helps to keep these great benefits in place not only for ourselves, but for our families as well.

I look forward to seeing everyone at our September meeting and hope that all stations make a great effort to contribute to our Dinner Journal this year. Let’s protect our benefits! Enjoy the rest of the summer and be safe!

Outlook May / June 2015
39th Annual Dinner Dance
Our 39th Dinner Dance is right around the corner; it will be held on Sunday, November 8th, 2015. What a wonderful way to kick off the Fall/Winter Holiday Season.

This year the Annual Dinner Dance will be held at the Green Tree Country Club from 12 noon to 5:00 p.m. The price of a ticket is $75.00.

The Green Tree Country Club
538 Davenport Avenue
New Rochelle, New York 10805
(914) 636-8500
www.GREENTREECLUB.COM
I would also like to encourage all stations to support our Dinner Dance Journal. A small contribution from each carrier of $5.00 will ensure the continuation of Branch 36 Scholarship and Eyeglass Voucher Funds, which are a benefit to all union members.

For instance, many of our own children will seek higher education after high school and with that in mind; Branch 36 awards four scholarships to the children of letter carriers each year. And as we age, some of us may also need eyeglasses for reading and or distance. During my younger years, I did not need glasses, but as I got older, so did my eyes. I now need them for reading and one day in the future, I am sure I will also need them for distance.

By simply supporting our Dinner Dance Journal with a small contribution of $5.00 we make these great benefits available not only for ourselves, but for our families.

I wish everyone a safe and enjoyable summer. God bless.




Feedback and SuggestionsSite MapLinks