OH WHERE OH WHERE HAS MY PENSION MONEY GONE

OH WHERE OH WHERE HAS IT GONE.

45 UBC CARPENTERS FUNDS AND 13 TEAMSTERS FUNDS IN ULLICO J AND ITS FRONT MEPTS NEWTOWER

2000-ULLICO TOTAL ASSETS DECLINED $537.3 MILLION BETWEEN DECEMBER 1999 AND JUNE 200

2000-ULLICO STOCKHOLDERS LOST $375 MILLION IN THE FIRST 6 MONTHS

YET UBC MULTI EMPLOYER FUNDS HAVE BEEN FORCED TO PUT HUNDREDS OF MILLIONS OF THEIR FUND MONEY IN ULLICO

2002-ULLICO Inc. experienced a loss of $25.2 million in the third quarter of 2002, on top of an $8.7
million loss in the second quarter and $8.5 million loss in the first quarter. The total consolidated net loss
for the nine months ending September 30, 2002, was $42.4 million

2002-Total assets declined $93.7 million during the first nine months of 2002

2002-Total stockholders’ equity declined $66.8 million during the first nine months of 2002

YET UBC MULTI EMPLOYER FUNDS HAVE BEEN FORCED TO PUT HUNDREDS OF MILLIONS OF THEIR FUND MONEY IN ULLICO

2003 -DOUG MCCARRON INVOLVED IN YET ANOTHER ULLICO FRAUD.DOUG MCCARRON SUBPOENAED BY A GRAND JURY.MCCARRON DEMANDS THE UBC LAW FIRM OF DECARLO AND CROOKED TEETH TO BE HIS LAWYERS

2003-THE UBC,DOUG MCCARRON AND UBC HACK LAWYER JOHN DECARLO INVESTIGATED BY THE DEPARTMENT OF LABOR FOR POSSIBLE FRAUD IN THE UNITED AUTO WORKERS STOCK PURCHASE AND HAMILTON LANE SCAM.DECARLO DEPOSED BY THE DEPARTMENT OF LABOR.

2003-UBC PENSION FUND INSURANCE BROKER MARSH USA INC. DECLARES ULLICO DOES NOT MEET THE CRITERIA FOR A COMPANY WITH WHO THEY WOULD DO BUSINESS. THE TRUSTEES ARE ADVISED TO PULL OUT 50% OF THEIR SEPARATE J DIVERSION OF FUND MONIES

2003-UNION GENERAL PRESIDENTS EXPRESS THEIR CONCERN OVER ULLICO
2003- “Accordingly, we are greatly concerned with company and other reports that raise serious questions about the ongoing financial viability of ULLICO Inc. and its subsidiaries”.

2003-“The jeopardy the company faces from the Maryland Insurance Commission, a
grand jury, the SEC, and the Department of Labor; I believe that most directors do not understand the number,
scope, and severity of investigations”

February 2003-
four years of losses in insurance lines totaling $280 million
projected loss in 2003 of [20-300 million?]
WHAT IS THE ANSWER?? TO STEAL MORE MONEY FOR UNION MEMBERS FUNDS

“Another key issue is the status of
ULLICO’s operating capital. We will explore possible sources in the longer
term of investment capital, such as additional investments from union
related pension funds.”

YET UBC MULTI EMPLOYER FUNDS HAVE BEEN FORCED TO PUT HUNDREDS OF MILLIONS OF THEIR FUND MONEY IN ULLICO

2004-SELF-DEALING AND BREACH OF DUTY AT ULLICO INC
REPORT PREPARED BY THE COMMITTEE OF GOVERNMENTAL AFFAIRS UNITED STATES SENATE

1. ULLICO’s Employment and Business Dealings with Robert
Georgine’s Relatives

During his chairmanship of ULLICO, Georgine used the company to provide employment to at least four of his relatives: his daughter, two sons-in-law, and a nephew
In addition to his base salary of $650,000 per year, Chairman and CEO Robert Georgine claimed approximately $20 million in stock profits, bonuses, and benefits between 1998 and 2001. Four other senior ULLICO executives received
more than $9 million in stock profits, bonuses, and benefits over the same time
period.
2. The ULLICO Corporate Jet
As ULLICO’s businesses were struggling, as the unrealized gains from Global Crossing stock were disappearing, and as certain of ULLICO’s senior executives including DOUG MCCARRON were enriching themselves with special opportunities to dump their ULLICO stock at inflated
prices—the company decided to lease an expensive corporate jet.
3.ULLICO’s Board of Directors was large.
It consisted of 28 current and formerlabor leaders
(WHO DIVERTED HUNDREDS OF MILLIONS OF THEIR MEMBERS MONEY TO ULLICO)

4. ULLICO spent almost $14 million on legal, consulting, and lobbying fees to deal
with the multiple investigations
spawned by the stock transactions.
The company
spent more than $2 million on the Thompson investigation. Then they spent twice
as much, more than $4 million, on representation of individuals investigated

YET UBC MULTI EMPLOYER FUNDS HAVE BEEN FORCED TO PUT HUNDREDS OF MILLIONS OF THEIR FUND MONEY IN ULLICO

2012- INVESTORS WERE LINED UP DEMANDING THE RETURN OF $1.6 BILLION DOLLARS OF THEIR MONEY FROM THE ULLICO SEPARATE J ACCOUNT
YET UBC MULTI EMPLOYER FUNDS HAVE BEEN FORCED TO PUT HUNDREDS OF MILLIONS OF THEIR FUND MONEY IN ULLICO

2013
ULLICO CASUALTY LIQUIDATED BY THE STATE OF DELAWARE

March 11, 2013,- Ullico Casualty Company
the Court signed a Rehabilitation and Injunction Order

JULY 7, 2013
Delaware Rehabilitation &
Liquidation Bureau
Company Name:
Ullico Casualty Company in Liquidation
Date of Rehabilitation: March 11, 2013
Date of Liquidation: May 30, 2013

ULLICO CASUALTY filed its
annual statutory financial statement for the fiscal year ended December 31, 2012, on
March 1, 2013.
ULLICO CASUALTY reported its
surplus as regards policyholders as of
December 31, 2012, as approximately
negative $52,000,000
.
YET MULTI EMPLOYER FUNDS HAVE BEEN FORCED TO PUT HUNDREDS OF MILLIONS OF THEIR FUND MONEY IN ULLICO

WHERE TO LOOK

All funds and Unions file 5500s.All Unions file 990s and LM2s each year.Each Union Officer who takes money, gifts or whose family members work for the Union is required to file an Lm30. Companies who give gifts file LM10s. See ULLICOs 200-300 page LM10s with gifts to Union Officials.To learn where to view these records and others please go to http://www.theratlist.com.Here you can also learn about the members at the NCCMP such as Hoffa who spent 52 million of your money to lobby for MPRA.

Form 5500-How to view your 5500. Go here https://www.efast.dol.gov/portal/app/disseminate?execution=e1s1 search uses your EIN with no hyphen.

Form 990-Each not for profit must file an IRS 990 each year..How to view 990s which is the only place that show how much they are really getting paid. Go here http://foundationcenter.org/findfunders/990finder/ Search by EIN,Zip code or name or here http://www.guidestar.org/Home.aspx.Guide Star requires you create an account but its free.

Form-LM2 -LM30 -LM10

DOL Public Disclosure Room

https://www.dol.gov/olms/regs/compliance/rrlo/lmrda.htm

This is my work product.It is not to be lifted and posted on NYSTeamsterPensionCrisis or any site they own and operate.

THE RATS LOSE!!!THE RATS LOSE!!!

 FEINBERG REJECTS CENTRAL STATES PENSION CUTS.Treasury Department Rejects Teamsters’ Central States Proposal to Cut Retiree Benefits Proposed cuts would have slashed members’ pension checks by 50% or more
 
Members of the International Brotherhood of Teamsters and their supporters rallied against cuts to Central States Pension Fund benefits last month outside the Capitol in Washington. ENLARGE
Members of the International Brotherhood of Teamsters and their supporters rallied against cuts to Central States Pension Fund benefits last month outside the Capitol in Washington. Photo: Bloomberg News
By Timothy W. Martin
 
 
The Treasury Department rejected a proposal to cut retirement payouts for hundreds of thousands of truck drivers, construction workers and other service personnel, turning back an attempt to keep the Teamsters’ Central States Pension Fund afloat.
 
The decision by well-known mediator Kenneth Feinberg heads off planned reductions to pension checks of up to 90% for some, a win for labor unions and retirees. But the victory could prove short-lived. The plan, which represents 400,000 workers at 1,500 companies in the Great Plains, Midwest and Southeast, faces a funding shortfall that its administrators say could leave it insolvent in a decade.
 
Mr. Feinberg said he rejected the plan because it unfairly imposed uneven cuts among retirees, sent notifications to participants that were too technical to be understood and was based on overly rosy assumptions about investment returns. “We at Treasury do not believe that the plan as submitted will reasonably avoid insolvency,” Mr. Feinberg told reporters.
 
It is extremely rare for retirees’ pension benefits to be reduced. In most cases, it is illegal, but a 2014 federal law made it possible to impose cuts on participants in some cash-strapped plans covering workers and multiple employers. At Central States, some 270,000 retirees were facing benefit cuts.
 
Bill Orms, a 69-year-old retired truck driver from Akron, Ohio, already has sold a winter home in Florida, anticipating tighter times ahead. The proposed cuts would have halved his monthly after-tax income to about $1,200. “You get to breathe again,” Mr. Orns said after learning of the Treasury decision. “You get to exhale. Our life was on hold.”
Advertisement
 
Central States represents employees of global giants including United Parcel Service Inc. and Kroger Co. , as well as smaller companies such as YRC Worldwide Inc. ’s YRC Freight of Overland Park, Kan.
 
Decades ago, it had four active workers contributing to the plan for every one retiree or inactive member. But that ratio has nearly reversed, as a decline in membership due to deregulation of the trucking industry has left far fewer active workers paying into the plan than receiving benefits.
 
The pension plan has been reeling from investment losses from the 2008 financial crisis. It currently has about half of the money it needs to meet future obligations, with $16.8 billion in assets against $35 billion in liabilities.
 
Without an injection of funds or benefit cuts, Central States could run out of money in the next 10 years, said Thomas Nyhan, the plan’s executive director, who added he was “disappointed” by the Treasury’s decision.
 
Mr. Nyhan had argued retirees would have been better off with the cuts than they would be if the plan became insolvent. A safety net does exist with the federal Pension Benefit Guaranty Corp. if Central States were to run out of cash. But the PBGC caps payouts at $12,870 a year, or less than $1,100 a month.
 
Central States retirees are currently pulling in $1,128 a month on average, though that total includes workers of all different lengths of tenure. The longest-tenured workers get about $2,400 a month. The average proposed benefit reduction was around 23%, though some saw their retirement income curbed as much as 90%.
 
The PBGC itself is facing financial duress. Its funding deficit for multiemployer plans soared to $52.3 billion in 2015 from $8 billion in 2013, according to PBGC annual reports. About 55 multiemployer plans currently receive financial aid from the PBGC.
 
Labor groups, retirees and lawmakers cheered the Treasury decision. “This decision means that there won’t be any cuts to retirees’ pensions this July or the foreseeable future,” said Teamsters General President James P. Hoffa.
 
But at some point, Central States, which pays out $2.8 billion in retiree benefits annually, will have to figure out a turnaround plan, experts say.
 
“It doesn’t solve the underlying problems,” said Jean-Pierre Aubry, an assistant director at the Center for Retirement Research at Boston College. “There’s still not enough money coming into these funds to pay the benefits they promised.”
 
Since the 2014 law was passed, five multiemployer plans have submitted applications to cut benefits. They include Central States and other funds representing iron workers and truckers.
 
A 2015 Government Accountability Office report called the multiemployer pension-funding shortfalls a crisis.
 
The proposed cuts at Central States took many retirees by surprise. Mr. Feinberg and other Treasury officials hosted town-hall meetings from Greensboro, N.C., to Peoria, Ill., where retirees packed auditoriums and convention centers. Last month, thousands of Teamster retirees rallied at the U.S. Capitol, chanting “No Cuts! No Cuts!”
 
One of the key reasons behind Mr. Feinberg’s rejection was Central States’ assumption it could generate yearly investment gains of 7.5%. Those return targets “were too optimistic and unreasonable,” Mr. Feinberg said.
 
Mr. Feinberg also questioned the disparate impact of the cuts, pointing out that some UPS workers had their benefits reduced more than others, noting the law requires such cuts “be equitably distributed.”
 
“UPS appreciates the thorough review by Treasury,” a spokesman said, adding the Central States fund’s future “is not clear.”
 
Write to Timothy W. Martin at timothy.martin@wsj.com
 
http://www.wsj.com/articles/treasury-department-rejects-teamsters-central-states-proposal-to-cut-retiree-benefits-1462558028
SEC OF LABOR DIRTY AS WELL??? FACT!!!! PEREZ IN BED WITH NCCMP

 

 

It took all hands to move it. George Miller
working with House Minority Leader Nancy Pelosi (D-CA) and Democrats and frankly U.S. Department of Labor (DOL) Secretary Tom Perez (explains EBSA
Phylis Borzis trips to AEIP Summits and the person hired to enforce ERISA
law conspiring to attack it.)

 

We know Sec Borzi ignore them due to her conflict of Interest Relationship with the NCCMP and her AEIP Summits. Now we learned that Sec Of Labor Perez is in bed wit the NCCMP as well. In an interview with Earl Pomerory, now senior Partner at Allston and BirdLLP lawyers for the NCCMP, Congressman Kline claims they intentionally defrauded the American worker and Perez was with them… Earl Pomeroy calls the law allowing the theft from retirees “one of the slickest pieces of legislating” and when asked” How do you feel about that victory and what motivated you to give that tremendous effort.” Kline declares ” We had something to work with. The National Coordinating Committee for
Multiemployer Plans (NCCMP) had put a lot of work into
this, so we had something to work from. George [Miller] was concerned that members on his side of the aisle might be put in a tough position if they had to even think about voting for something that would result in a reduction of benefits to a pension plan.
Kline:I do not think it would have been possible(to get it passed) if we’d waited until after the new Congress was sworn in, So that focused the effort to working on it in the lame duck session.(We knew we could not get it passed legitimately so we intentionally back doored it)
It took all hands to move it. George Miller
working with House Minority Leader Nancy Pelosi (D-CA) and Democrats and frankly U.S. Departmentof Labor (DOL) Secretary Tom Perez (explains EBSA
Phylis Borzis trips to AEIP Summits and the person hired to enforce ERISA
law conspiring to attack it.)–spent a lot of time working the Senate Democrats to get it done.

 

Read there testimony here and see what you think of thier plans for pension funds….
http://edworkforce.house.gov/uploadededfles…/scoggin_testimony.pdf

http://edworkforce.house.gov/uploadedfiles…/sandherr_testimony.pdf.

http://edworkforce.house.gov/uploadededfiles…/DeFrehn_testimony.pdf

http://edworkforce.house.gov/uploadededfiles…/McManus_testimony.pdf and etc..
Is not Klines admission that they knew they could not get it passed legitimately so we back doored it on behalf of a Private Group the NCCMP – a coalition of member unions, employer trade groups, and individual employers trustees representing both unions and employers – and admission of fraud and at the very least before any cuts are even considered this and the involvement of Borzi and now Sec of Labor Perez… Kline:I do not think it would have been possible(to get it passed) if we’d waited until after the new Congress was sworn in, So that focused the effort to working on it in the lame duck session.(We knew we could not get it passed legitimately so we intentionally back doored it)

NCCMP ATTACKING WITH PHASE TWO!KLINE ADMITS FRAUD

NCCMP is engaged in their next attack on ERISA..In April 2015

The NCCMP held a meeting in April 2015 and one point of discussion was “Proposed legislation on new plan designs”. Remember these are ideas put forth by the very people who just got the Multi Employer act passed to steal from pension checks
Now Kline is working on getting them passed as well which include letting employers bail with no buyout and making benfits based on Plan Performance with the same people in control that are liable for the conditions on funds now.

The Same people and investments that the IRS warned about in 2010.In 2010, the Internal Revenue Service (IRS) Emerging Issues Task Force reported to EBSA that significant assets invested by plans in alternative investments may be a serious problem.As of 2010, employee benefit plans had amassed almost $3 trillion in alternative investments, of which EBSA estimated between $800 billion and $1.1 trillion were hard-to-value. And again in 2013 the DOL Inspector Generals Office Report Number:
09-13-001-12-121 Warned :EBSA NEEDS TO PROVIDE ADDITIONAL OVERSIGHT TO ERISA PLANS HOLDING HARD-TO-VALUE ALTERNATIVE INVESTMENTS. We know Sec Borzi ignore them due to her conflict of Interest Relationship with the NCCMP and her AEIP Summits. Now we learned that Sec Of Labor Perez is in bed wit the NCCMP as well. In an interview with Earl Pomerory, now senior Partner at Allston and BirdLLP lawyers for the NCCMP, Congressman Kline claims they intentionally defrauded the American worker and Perez was with them… Earl Pomeroy calls the law allowing the theft from retirees “one of the slickest pieces of legislating” and when asked” How do you feel about that victory and what motivated you to give that tremendous effort.” Kline declares ” We had something to work with. The National Coordinating Committee for
Multiemployer Plans (NCCMP) had put a lot of work into
this, so we had something to work from. George [Miller] was concerned that members on his side of the aisle might be put in a tough position if they had to even think about voting for something that would result in a reduction of benefits to a pension plan.
Kline:I do not think it would have been possible(to get it passed) if we’d waited until after the new Congress was sworn in, So that focused the effort to working on it in the lame duck session.(We knew we could not get it passed legitimately so we intentionally back doored it)
It took all hands to move it. George Miller
working with House Minority Leader Nancy Pelosi (D-CA) and Democrats and frankly U.S. Departmentof Labor (DOL) Secretary Tom Perez (explains EBSA
Phylis Borzis trips to AEIP Summits and the person hired to enforce ERISA
law conspiring to attack it.)–spent a lot of time working the Senate Democrats to get it done.

NOW PART TWO “Inspired by “shared-risk” models in other countries” Which can be defined as Borzis instructions at the AEIP Summits along with the idea for the Pemsion/Infrastructure scam put forth in 2005 at the AEIP Summit in Barcelona and already costing the funds hundreds of millions such as the Macquarie Capital/Macquarie Infrastucture III Puda Coal settlement. How did Macquarie Capital/Macquarie Infrastucture III get a waiver from the SEC for their 10 years disqualification??”We just want the SEC to know our partnership with Union Pension funds Macquarie Infrastucture III has 3 billion we planned on using to build the GOETHAL BRIDGE with if you give us a waiver. And lo and behold Union Pension funds are now paying 90% OF THE EQUITY THAT UNDERPINS THE PROJECT.Signed a 40 YEAR Contract to DESIGN,BUILD,FINANCE AND MAINTAIN THE BRIDGE.
This is how plan plan participants would shoulder some of the risk as their benefits would be tied to the plan’s performance !!!!How did Macquarie get caught. The SEC investigation of backdoor mergers with Chinese companies. Such as ULLICO Infrastructure. The same ULLICO who is financed by force form Union funds. ULLICO J has $6.1 Billion of Union Fund money and their front men MEPTS Newtower have $7.7 billion .These two have 45 Carpenters funds by force feeding them. How does a Carpenter fund in Alaska and a Carpenters Fund in Florida each have Pension fund money in ULLICO.

The NCCMP future is “plan participants would shoulder some of the risk as their benefits would be tied to the plan’s performance and the ability of the plan to meet the promised benefits levels” “If the plan were to fall below 100 percent, then the benefits would drop accordingly.” WHAT!!!!When those we trusted already have lost so much and answered their own actions by stealing from Pension checks
FURTHER
“MPRA still leaves uncertainty and concern for contractors regarding their withdrawal liability, and the new plan design, if enacted, could provide immediate benefits.”

“This design change also eliminates statutory requirements that employers potential withdrawal liability”

“The composite plan design that we are advocating would limit an employers’ liability to the hourly contributions that the employer makes.”
So UPS, who had the same lawyers as the NCCMP on which Hoffa was a director while deciding if UPS could leave central states, could have bailed and not given Nyhan the $6.1 billion to lose Mr. DeFrehn.
He is optimistic that Congress could act this year on additional multiemployer pension reforms, including allowing for innovative plan designs, modernizing the multiemployer system and giving the PBGC more resources.

Feb 2016:
Meanwhile, the Education and the Workforce Committee, chaired by John Kline, R-Minn., the original co-sponsor of MPRA who is retiring this year, is working to develop legislation for those additional reforms.

Read there testimony here and see what you think of thier plans for pension funds….
http://edworkforce.house.gov/uploadededfles…/scoggin_testimony.pdf

http://edworkforce.house.gov/uploadedfiles…/sandherr_testimony.pdf.

http://edworkforce.house.gov/uploadededfiles…/DeFrehn_testimony.pdf

http://edworkforce.house.gov/uploadededfiles…/McManus_testimony.pdf and etc..
Is not Klines admission that they knew they could not get it passed legitimately so we back doored it on behalf of a Private Group the NCCMP – a coalition of member unions, employer trade groups, and individual employers trustees representing both unions and employers – and admission of fraud and at the very least before any cuts are even considered this and the involvement of Borzi and now Sec of Labor Perez… Kline:I do not think it would have been possible(to get it passed) if we’d waited until after the new Congress was sworn in, So that focused the effort to working on it in the lame duck session.(We knew we could not get it passed legitimately so we intentionally back doored it)

FINALLY THE TRUTH IS TOLD

Speech by Karen Friedman to the Texas-Houston Committee to Protect Pensions
Sunday, February 21, 2016

Hello, my friends from Texas! I’ve flown here today from Washington, D.C. I’m happy to be talking to you about the movement to STOP the cuts to your pension. And I want to say right up front, we are making good progress on this goal.

But I first want to ask you a few questions:

Have all of you gotten your letters telling you your pensions are going to be cut?
How many are getting cuts of 50 percent? More than 50 percent?
How many of you are spouses or widows or widowers? How many of you understand how the cuts were made?
How many of you, because of the expected cuts, fear losing your home?
How many of you will no longer be able to take care of a family member?
How many of you are worried you’ll have to go on public assistance?
Now tell me how many of you are MAD!

Well, I’m mad, too.

And I’ll tell you something. Tim took me out for Texas barbecue last night. After eating all those ribs, I now think I have more muscle and more strength to fight. And since you guys are from Texas eating those ribs all the time, I bet you’re all in a fighting mood, too! Are you?

I’m the executive vice president and policy director of the Pension Rights Center, the country’s oldest consumer organization working to protect and promote the retirement rights of workers, retirees, and their families.

We’ve been around for almost 40 years and the challenges that we’re facing today – the cuts threatened by the Central States Pension Fund – are among the biggest challenges we’ve seen.

But we have seen challenges before. Here’s my advice: we should in terms of David vs. Goliath.

While Central States has a lot of might, we have RIGHT on our side. And we have hundreds of thousands of workers and retirees who are about to be hurt.

We have to keep our strength and focus on the fight ahead. We must continue to battle the Central States Pension Fund and lobby Congress to repeal the parts of the law that made these cuts possible. Congress has got to pass new legislation that will put Central States and other plans on sound enough financial footing that they will be able to pay the benefits they promised.

We need to keep working to influence the government officials who are going to implement this law… and to keep our focus on getting the media to pay more attention.

You have already made progress.

More than 2,000 of you have filed comments asking the Treasury Department to REJECT the Central States application to cut your benefits.

And thousands of retirees, workers, widows and spouses across the country have been filling auditoriums talking to government officials to ask them to STOP these cuts.

There are now more than fifty retiree committees throughout the country that have organized retirees around the country to say no to cuts.

And the Pension Rights Center, IBT, local Teamster unions, the AARP, TDU, the Machinists Union, and others have been working right along side you to stop this injustice.

And because our combined efforts, your voices are being heard in Congress and, in fact, we heard the Senate may soon hold a hearing on this issue – due in large part to you!

There have been more than 100 stories in the media including, in the Washington Post, the New York Times, NPR, the Detroit Free Press and others.

More and more people are learning about this travesty and asking how it happened. We can’t let up. We have to keep fighting – and fighting hard.

Today I’m going to talk about five topics:

First, how we got to where we are and how the Multiemployer Pension Reform Act was passed and a little about what the law allows. Next, I’ll describe what led to Central States applying for benefit cuts under this new law and the role of the Treasury Department in the process. And then I will discuss the legislation that has been introduced into Congress and the need for a Grand Bargain solution. We’ve heard from many people who are wondering about the feasibility of a lawsuit, so I will discuss that and finally, I’ll address the need for ongoing grassroots efforts – not just by Teamsters, but by lots of organizations throughout the country to undo this dastardly law and to join together for a new movement to keep pension promises.

First, what is this law and how did such a bad piece of legislation pass?

Most of you know the story. Starting in 2013, an organization called the National Coordinating Committee for Multiemployer Plans (better known as NCCMP) lobbied Congress intensively to ostensibly “solve” the problems of seriously underfunded multiemployer plans, particularly the Central States Pension Fund.

NCCMP – a coalition of member unions, employer trade groups, and individual employers trustees representing both unions and employers – advocated that a key way of saving these underfunded multiemployer plans was to allow trustees to be able to unilaterally decide to cut retirees benefits.

NCCMP has a lot of money and many powerful lobbyists working for it.

In the waning days of 2014, despite massive push-back from a host of organizations, including the Pension Rights Center, the AARP, the Machinists, the IBT and others, NCCMP lobbyists were able to convince key members of Congress to include a 161-page piece of legislation in the must-pass “Cromnibus” spending bill that allows the trustees of certain underfunded pension plans to slash the pension benefits of workers and retirees.

The law was passed ostensibly to “save” deeply troubled underfunded multiemployer plans, but what the law really allows is pension plan trustees to balance the books on the backs of retirees – the most vulnerable.

This new law guts the most fundamental provisions of ERISA, the federal private pension law.

For 40 years, ERISA has had the strongest protections for retirees, clearly protecting retiree pensions by preventing them from being cut unless a plan runs out of money.

However, the Multiemployer Pension Reform Act reverses ERISA’s protections and allows trustees of many underfunded multiemployer plans to slash retiree benefits before the plan runs out of money.

Let me reiterate: this bill was written in a back room and kept secret until the last minute. The retirees targeted by the cutbacks were never given a chance to have their voices heard.

This legislation passed only because the House leaders attached it to the omnibus spending bill, and if that didn’t pass, the government would have shut down. Where it took 7 years for Congress to pass the federal private pension law ERISA in 1974, it took just a few days to rollback one of its key provisions. And that is horrible

While everyone here wants multiemployer plans to continue, there was no immediate crisis that should have compelled Congress to pass a bill without hearing from the people most affected by it. The Central States Pension Fund isn’t even projected to become insolvent for more than 10 years, which means there was plenty of time to consider better solutions than just cutting benefits. Retiree cutbacks should have been the last option on the table, not the first.

Here’s what MPRA allows:

The legislation allows deep benefit cuts in certain financially troubled plans. Trustees are given almost unbridled leeway on how much the cuts can be, up to a legal limit of 110 percent of the PBGC guarantee, which for someone who worked for 30 years is only $12,870.

Plan trustees are required to cut the benefits of orphans first – those workers and retirees who worked for companies that pulled out of the fund without paying all of their withdrawal liability. The law says that orphans have to have their pensions cut up to that 110 percent limit.

Those who are over age 80 are exempt from cuts. Those aged 75 to 80 get smaller cuts, and retirees who are currently receiving disability pensions are protected.

UPS was given special protections for some of its participants, saying they would be last in line to be cut.

Retirees will have the right to a vote, but the election is non-binding. I’ll talk about that later.

The trustees appointed someone supposedly to represent retirees and former employees. But many of you have told me that you think that Susan Mauren hasn’t done much for you and you are right. Here’s just some of what you’ve told me she hasn’t done: she hasn’t met in person with any of you. She hasn’t, in fact, she refused to conduct a forensic audit of the Fund, saying it was unnecessary. And she hasn’t defended you. Instead she defended the trustees’ decisions rather than fighting for you – the people she is supposed to be helping.

The Central States Teamster Pension Fund was the first plan to apply to the Treasury Department for permission to cut your benefits, but it isn’t alone. We very recently learned that two other pension plans have sent letters to retirees, informing them of plans to cut retiree pensions. Teamsters Local 469 in New Jersey and Iron Workers Local 17 in Cleveland, Ohio, have announced plans to cut retiree pension benefits.

In other word, friends, if Central States goes, I’m afraid that we’re going to see a domino effect. We might see a million or more people affected.

I’ve heard from those of you who have received a letter – be it worker, retiree, spouse or widow – that the letters telling you how much your benefits will be cut are written in pages of incomprehensible explanatory material, written in microscopic print.

We’ve been working with a team of lawyers and actuaries who helped us go through a lot of the material that Central States has sent you. We’ve also gone over the application Central States submitted to the Treasury Department, which many of you know is 10,000 pages in all.

Here are some of the key points:

The level of cuts – which can be over 70 percent – is based on what tier you’re in; whether you’re an active employee, a retiree, or a participant who left the fund before retiring; what age you were when you first began to receive benefits; whether you worked 20 years or less than 20; and how much your employer contributed for you.

If you worked for a company that left the Fund without paying full withdrawal liability, you’re considered an “orphan” and get the worst cuts (down to 110 percent of PBGC guarantee levels).

If you are a UPS employee who was still working after 2007, you’ll get cuts too, but those cuts will probably be made up by UPS. And pretty much everyone else will get cuts of 40 percent, 50 percent or even more.

We’ve heard from several whose pensions would be cut to ZERO. These are terrible stories that involve how Central States is looking at reductions for people who are divorced. I can talk more about that in the question and answer section.

The whole process is opaque and unfair. If Central States gets away with this, there will be many other multiemployer plans in line to do the same. Central States calls these cuts a “rescue plan”, but these cuts are nothing short of a pension demolition plan that will ruin the lives of more than 270,000 retirees, widows and widowers.

The Treasury Department is now reviewing the Central States Pension Fund’s 10,000 page application to make sure that it follows the rules that were laid out in the law.

The Treasury Department asked for comments on the Central states application.

The Pension Rights Center, the IBT, the AARP, Teamster Local 89 in Louisville, Kentucky – and more than 2000 of you – sent in comments to the Treasury Department explaining why it should deny the Central States application.

Keep in mind that the Treasury Department was given authority under MPRA to implement this law but they do not have the power to change the law. Only Congress can do that.

Specifically the Treasury Department asked for your opinion on whether the Central States Pension Plan met the specific benchmarks that were set by MPRA. The Treasury Department is bound by the law and can only reject the Central States application if it finds the plan did not meet these benchmarks.

There are three conditions that the plan must satisfy.

First, have the Central States trustees taken all “reasonable measures” to prevent the Fund from running out of money? Second, have the trustees allocated the cuts among active, retired, and deferred vested participants in an equitable and fair manner? Finally, will the proposed cuts ensure that the Fund will not run out of money in the future?

We, and retirees like you, took the position that the application should be rejected because the plan flunks all three conditions.

Our overriding message is this: The Central States trustees, from the start, had disabling conflicts of interest where they treated those who they no longer represent – retirees, orphans, and other former employees – the worst and they ask almost nothing of the employers.

We learned on OpenSecrets.org that Central States spent $500,000 of your plan money to lobby for the passage of MPRA. They wrote the law, and then lobbied for the law, that gives them almost unbridled authority to cut your benefits.

So here are the questions that the Treasury Department needs to answer:

Does the rescue plan demonstrate that Central States took all reasonable steps to avoid insolvency? We say “no”.

Central States didn’t propose increased contributions for employers, even those their own experts said could afford it. Yet they decided it was O.K. to reduce your pensions. That’s not right. In fact we’ve had some of you compare this this to wage theft.

Central States didn’t reduce plan and administrative and investment management expenses. In fact, as you know Tom Nyhan, the Fund’s executive director, gets a compensation package of $600,000. And he recently got a $30,000 raise. Is that right? Heck no.

The second thing the Treasury Department needs to determine is whether the “rescue” plan equitably distributes the benefit cuts. Again, we say “no”.

Central States clearly and deliberately created a plan that hurts retirees, who can least afford the cuts, the most. The plan decimates benefits of long-service loyal retirees who were incentivized to retire early. The “rescue” plan treats some participants as orphans – and cuts their benefits accordingly – even though it isn’t clear that they are orphans under the statute. And I’ve heard from you guys, that you’re all in it together, and this whole idea of orphans is just wrong.

While Central States says that the average benefit cut is just over 22 percent, the retirees we’ve talked to – and I’m talking thousands – are facing cuts of 40, 50, 70 percent or even higher. And this seems to be the case for many of you in this room.

The third factor the Treasury Department will consider is whether the proposed cuts ensure that the Fund will remain solvent for at least 30 years.

Again, we and IBT and others say “no”.

Even with the steep and unjust cuts proposed in its “recuse” plan, it is pretty clear that Central States may not survive for the long term, which is a key condition to Treasury accepting this proposal.

The Central States Pension Fund projects that if the cuts are approved, the Fund will have a 50.4 percent chance of not running out of money within 30 years.

Small changes in a few assumptions – interest rates, life expectancy, numbers of contributing employers, etc. – could quickly bring the projections below the 50 percent mark. The Fund’s projections should be thoroughly scrutinized by independent experts.

Susan Mauren, as the Retiree Representative, should have had a comprehensive analysis of the Fund’s projections conducted on behalf of retirees. Instead, she said there was not enough time or money to do this – and took Central States’ projections at face value.

If Central States is “rescue” plan includes such devastating cuts, don’t you think there should be more than 50.4 percent chance that the plan doesn’t run out of money?

We think the Treasury Department shouldn’t even consider the Central States application until each and every one of you gets a work sheet telling you exactly how your benefits are cut. The information they gave you is purposefully opaque and incomprehensible. To get a work sheet, send a letter to the Fund via certified mail asking for it to provide you a work sheet.

In your comments, some of you have told Treasury that, with the complexity of these cuts, the government or Central States should provide lawyers and actuaries who are independent of the Fund so they can help you verify that these calculations are correct.

For these reasons and more, the Treasury Department should reject the Central States Pension Fund’s application. As I mentioned earlier, the Treasury Department, can only reject the application if they determine that it hasn’t met the conditions as set forth in the law.

Ken Feinberg, the Special Master who has been appointed by the Treasury Department to oversee the implementation of law, not only asked for your comments, but also is talking to as many of you as he can.

He holds weekly conference calls with retirees and has held town hall meetings around the country – in Ohio, Illinois, Wisconsin, Minnesota, Michigan and others. Just two weeks ago, I flew to Detroit to join 800 retirees who asked him to reject the application.

Mr. Feinberg is hearing story after story of hardships. he’s heard from retirees describing how they may lose their houses, retirees who may have to go on public assistance, retirees who won’t be able to take care of their kids or grandkids. These cuts will have a lasting impact – and not just on families – but on economies. And he is listening. Of course, the fact that these cuts are cruel and harsh is not a factor, but we want everyone to know that these cuts affect real people. These cuts would be devastating.

But, again, there is only so much that the Treasury can do, given the law.

And that’s why we have to get Congress to change the law so that the plans can survive without cutting benefits by 40 or 50 percent.

And you are making an impact there too.

Because of you, Senator Bernie Sanders and Congresswoman Marcy Kaptur introduced the Keep Our Pension Promises Act, which now has 30 cosponsors in the House and 8 in the Senate.

If passed, KOPPA will roll back the provisions of MPRA that allow for these horrible pension cuts. It would also provide funding to troubled multiemployer plans and to the Pension Benefit Guaranty Corporation, the agency that insures private pensions.

KOPPA is not a government bailout. It is a retiree and worker assistance plan, and it will be paid for by partially repealing two tax breaks that only help the richest Americans.

And because of the hard work of your fellow retirees in the Ohio Committee to Protect Pensions, Senator Rob Portman introduced the Pension Accountability Act, which is aimed at giving you all a real voice in the voting process.

As the law stands now, if the “rescue” plan is approved by the Treasury Department, all participants in the plan have a right to vote. That’s good. But the law is written so that anyone who doesn’t vote is automatically counted as a “yes” vote. The Pension Accountability Act would ensure that only the votes of those who actually cast a ballot are counted.

Your members of Congress need to sign onto these bills!

Have you met with them? What do they say? Ask them for your help!

We have to keep on the pressure and get as many co-sponsors of KOPPA and Pension Accountability Act. Don’t take no for an answer.

When Members say that they can’t do this, or that they can’t support a bill that is from a Democrat or a Republican. Tell them this.

ERISA was signed into law by Republican President Gerald Ford who worked with Democrats and Republicans to get it passed because they knew that retirees’ pensions had to be protected.

And then in 1983, president Ronald Reagan signed into law the Railroad Retirement Solvency Act. He worked with Democrats and Republicans, to provide federal assistance, millions of dollars, to save the Railroad Retirement Program – because of the commitments that had been made to workers and retirees.

If Ronald Reagan protected retirees, then certainly so can this Congress 30 years later. Congress needs to stop the partisan bickering and help you keep your pensions.

And if your members of Congress still won’t sign onto either of these bills, tell them to come up with a bipartisan solution. A solution similar to what was fashioned in Detroit when it was going through its own bankruptcy.

The first proposal saw retiree pensions getting cut by 34 percent. There was a national outcry. And this pales next to the size of the cuts most of you are getting.

But Detroit found a way to save the plan. They brought together stakeholders from all sides – Republicans and Democrats. In the end, civilian retirees only got pension cuts of 4 percent, and police and firefighters were spared any cuts.

Surely, if it can work in Detroit, we can find such a solution for Central States and for all underfunded multiemployer plans.

You guys are doing a great job influencing the media. You’ve been getting great coverage in your local newspapers and on local news programs. Keep it up! Write an op-ed for your local newspapers. Talk to columnists and investigative reporters.

Now, many of you have asked if you can sue. This is a very complicated area of the law and we are consulting with the best ERISA lawyers in the country to see if there is a basis for lawsuits.

How do we preserve promises and create a system that works?

This is not just about protecting retirees in multiemployer plans, although that is our first and most critical challenge. This is a bigger issue about America. What kind of country are we and what kind of country do we want to become? Do we as a country value promises made to people, especially our elderly and our most vulnerable, or have we become a country that obliterates promises and has no regard for workers and retirees?

We believe that the multiemployer issue is fundamental to answering these questions. America is the richest country in the world. We can and must keep promises.

So, we need to organize everyone – not just Teamsters, but other union retirees who could be affected: food workers, bricklayers, pipefitters, actors – anyone who is in these funds and who one day could be affected.

This is affecting active workers and retirees. Everyone has to be in it together. If plan trustees can cut retiree benefits now, what does that mean for active workers once they retire? Will they have their benefits cut again?

We need other retirees and workers from other unions to join us. And church groups, and synagogues, and more retiree organizations.

If this can happen to you – think about what will happen to everyone else in this country? Will this spur cuts in Social Security? Will it mean more cuts in state and local pension plans? Will it move into single employer plans?

How can this be stopped? Many of the retiree committees I mentioned earlier are planning coordinated actions around the country to take place on March 11 and 12. Committees in Ohio, Michigan, Minnesota, Wisconsin will rally at their state Capitols to draw attention to what’s going on. They are planning to have a theme about how these pension cuts could mean “the death of the middle class.” Their hope is to have hearses and caskets to illustrate their point. Do you want to take part in this? They are also planning a rally in Washington, D.C. on April 14. Retirees from around the country will come to D.C. to make their voices heard.

I’ll end saying this: the way MPRA was passed was totally undemocratic, but the way you are responding now is democracy in action.

Let’s keep it up so we can stop these cuts. We need to pass legislation that will allow Central States and other plans to pay the benefits they promised. Please go to our website www.pensionrights.org and tell your stories on our story bank. Thank you.
– See more at:

 

http://www.pensionrights.org/newsroom/speeches-statements/speech-karen-friedman-texas-houston-committee-protect-pensions#sthash.xpcRrMPk.dpuf

WHAT HAPPENS TO PENSION FUND MEMBERS WHO JUST SAY NO!!!!!

pensions

How far will these union fat cats go to silence a member who tries to expose pension fraud .Follow and stalk his wife???How far will the UBC and the UBC International Lawyers “John Decarlo and “Danny Boy” Shanley” go to silence a UBC member trying to expose theft and corruption in his Pension fund.Stalk his wife to the Beauty Salon?Videotape him if he went to his Union Hall or talked to a Union member.Follow him in case he was to obtain HIS pension documents that ERISA law manadtes he be given by the Union on demand. Stalk him and his WIFE!!because he maintained a web site that Berated the carpenters Union. BY berated it meant the web site site posted the documents proving and exposing the corruption..
.”Grana alleged a murky web of political and financial intrigue involving McCarron, Tutor and Blum.”The suit claimed that the fund, managed by a board that included McCarron and Tutor, overpaid investment manager Richard C. Blum, who earned $54 million in fees over an eight-year period in the mid-1990s. A spokesman for Blum, who is married to Sen. Dianne Feinstein, maintained that the payments were reasonable for investments that earned $459 million.”
I can tell you if Brother Grana had, at that time, the documents that exist now regarding these very same alleged crooks perhaps they would be sitting next to Federal Prisoner and Doug McCarron favorite Mike Forde. Even Brother Grana had no idea how much of the funds money the trio of Blum,Tutor and McCarron would take from the SWRC fund for in the following years.From the PB Capital Scam,BLUM CAPITAL PARTNERS, LP,Blum Strategic Partners II,Blum Strategic Partners III and Blum Strategic Partners IV. False Family trusts and Cayman Island LLCs. Some call the Blum/Feinstein corruption monumental in scope.The money that Blum and Tutor, with Doug McCarrons help for which he was amply rewarded,fleece from the SWRCC welfare and Pension funds, UBC Welfare and Pension Funds and ULLICO which is comprised of Union fund monies funneled to ULLICO from Union multi employer funds was and is indeed monumental.
From the SEC filing for PB Capital and Tutor Perini……..

We name Doug McCarron a director of PB Capital!!! “WHY YOU ASK???

(1)” McCarron has been a Trustee since 1987, of the United Brotherhood of Carpenters Pension Fund for Officers and Directors . The United Brotherhood Pension Fund for Officers and Directors is expected to be a significant investor in PB Capital. ”
(2)” Mr. McCarron is a director of ULLICO, Inc. which is the parent company of The Union Labor Life Insurance Company which through its Separate Account P is expected to purchase a significant number of shares of Series B Preferred Stock.”
(3)Mr McCarron has been a Trustee since 1987, of the United Brotherhood of Carpenters Pension Fund.The United Brotherhood Pension
Fund is expected to be a significant investor in PB Capital.

They did exactly as was declared here. The SRWCC Funds,ULLICO, The UBC Pension fund and the UBC Pension fund for Officers and Directors all funneled huge amounts to PB Capital, Bum and Tutor. Horacio Grana had just scratched the surface and unknowingly predicted the huge amount of fund money that that would and has left the UBC and ULLICO under the direction of Douglas McCarron.

Tell me. What does even the most staunch UBC supporter think about the UBC having a brothers wife followed to the beauty salon by strangers??!!!!!

 

 

 

 

 

 

NO MORE HIDING IN THE SHADOWS

LIARThe purpose of these write ups is to prove to all brother and sister retirees and workers that despite the lies being told by the NCCMP and our Union leaders that this Pension “Crisis” is the fault of bad markets and financial events, such as the 2008 financial crisis, these are NOT the facts. The facts,which can be proven with supporting documentation,is that this so called crisis is the result of the corrupt actions of those in power and control of many of our multi employer funds and they created the crisis. Those who had a legal fiduciary duty and a duty of care instead of exercising that duty mismanaged the fund monies and cheated the fund participants creating this Pension and multi employer funds crisis. They diverted billions of fund monies to finance scams they are directly part of and in many cases partnered with which is a clear conflict of interest. They have created this crisis and now their answer is writing and submitting legislation in the back door to steal from our Retirees. And just as important including wording in the legislation that allows them to hide their past corrupt acts.

They have conspired to strip the fiduciary power and rights of fund trustees so they can continue their corrupt practices and self serving agendas unabated. They have and are conspiring with others to strip the power of ERISA law and to destroy its fundamental protections put in place to protect fund participants from these very carpetbaggers and others like them. They are answering this Pension crisis,that was created not by market conditions and financial events but by their fraudulent actions,with the theft of retirees pension checks.These actions will create further crisis that includes the devastation of the very lives of American retirees. They are continuing their attack on multi employer plans and Pension funds and have identified and targeted retirees pension checks as a new source of capital.A source of capital they intend to use to finance more scams such as the “Infrastructure” debacle and whatever new scheme one of these mental midgets come up with next week.
The NCCMP legislation must be overturned. Its passage has emboldened the NCCMP and this group of Carpetbaggers, which sadly includes our own Union leaders and to the danger and detriment of all retirees includes Government Officials. Let us not forget that they are still daily committing their corrupt actions and devastating funds as they prepare to use these new rules to steal more from retirees. There actions will be felt by all workers both retired and active. The new legislation has only served to give them added tools to destroy the future of retirees and pension checks. It is clearly their intent to do so and to do so at an accelerated pace. This is above and beyond the daily theft of fund monies and diversion of Pension monies they are still acting on. Hoffa Jrs attempt to take out the Central Fund was Immediate and swift.
Not only is the fight on to stop these cuts but the fight must also be on to reveal to the world the truth behind these fund crisis and make the world act against what they have done. We have already exposed the NCCMP who was hiding in the shadows from not only the working American but especially their own dues paying and NCCMP financing Union membership. They hid in the shadows and only came out to play when it was time to have a convention in Paris or Brussels where they conspired with Borzi to rape Retirees. A major part of the fight for the very survival of retirees is make sure they are exposed for not only what devastation they have already done but for the devastation they are still doing on a daily basis. Every action they take with Borzi and secret Labor Committee meetings such as the one held by Kline on April 29th.We need to demand (not ask) to know why Kline, Chairman of the Subcommittee on Health, Employment, Labor and Pensions, held a hearing on April 29th with two day notice that ONLY NCCMP front men were allowed to speak at. No longer can Phylis Borzi travel to Paris and Brussels with the NCCMP without working Americans screaming bloody murder. No longer can Borzi or anybody else EVER!!! Present these rats as “high level decision-making authorities” representing the US without a worker or Retiree shouting to every media outlet that will listen.Demands must be made of the EBSA NLRB and the DOL to force them to do their job and protect our funds and pensions from these assaults. We must demand these agencies answers why in many cases they have refused to investigate and not only have allowed these actions and attacks on multi employer funds but it appears are in bed with those attempting to decimate them..

RUNNNG FOR COVER
ARE NCCMP BOARD MEMBERS RUNNING FROM THE LIGHT?

NOW THAT THE NCCMP RATS HAVE BEEN EXPOSED IT APPEARS  SOME UNION INTERNATIONAL FAT CATS ARE EITHER JUMPING SHIP OR GOING INTO HIDING?RATS3

 

NO LONGER ON THE BOARD MEMBER LIST ARE: BOARD MEMBERS 

TERRY OSULLIVAN
JOESPH NIGRO
JAMES HOFFA
HEY MCRATS YOUR FUNDING BY UNION MEMBERS IS IS NEXT.SEEMS TO BE SOME CONFUSIONS ON YOUR PAYMENTS FROM UNIONS AND PAC RULES

GLAD WE COULD HELP

Machinists Union Leader Robert Roach, Jr. Endorses ‘Keeping Our Pension Promises’ Act

Machinists Union Leader Robert Roach, Jr. Endorses ‘Keeping Our Pension Promises’ Act

WASHINGTON–(BUSINESS WIRE)–The General-Secretary Treasurer of the 600,000 member International Association of Machinists and Aerospace Workers (IAM) gave his union’s strongest endorsement for legislation introduced today to prohibit cuts in pensions for workers who have already retired.

“I want to thank Senator Sanders and Representative Kaptur for introducing this much-needed legislation”

IAM General Secretary-Treasurer Robert Roach, Jr. welcomed the introduction of the ‘Keeping Our Pension Promises’ Act by Sen. Bernie Sanders (I-VT) and Rep. Marcy Kaptur (D-OH), as an essential ingredient to help restore retirement security for America’s seniors.

“I want to thank Senator Sanders and Representative Kaptur for introducing this much-needed legislation,” said Roach. “We know that there can be no real retirement security if your pension can be cut after you retire.”

The anti-cutback rule was significantly weakened last year as part of the Omnibus Spending Bill.

“Forty years ago when Employee Retirement Insurance Security Act (ERISA) was passed, this fundamental truth was recognized with the creation of the anti-cutback rule,” said Roach. “Allowing cuts in promised benefits is a ticket to dependence on government assistance.”

The IAM has firsthand experience with a well-run pension plan. The IAM’s National Pension Fund has over 1,750 contributing employers and is the 5th largest multiemployer plan in the U.S. With assets of nearly $11 billion the IAM National Pension Fund provides retirement security to over 90,000 retirees and beneficiaries.

“Tens of thousands of airline workers faced the loss of their pensions in the wake of the 9-11 attacks and the airlines bankruptcies that followed,” said Roach. “We were able to protect those pensions with the IAM National Pension Fund, and we’re ready to protect them yet again with the ‘Keeping Our Pension Promises’ Act.”

“While most pension plans are properly funded, some have funding challenges because of deregulation, bad trade policies and the financial mistakes of Wall Street,” said Roach. “Retirees should not be made to unjustly suffer because of issues that they had no involvement in.”

The IAM represents nearly 600,000 active and retired members and is one of the largest and most politically active industrial trade unions in North America. For more information, visit www.goiam.org.

Contacts

IAMAW
Frank Larkin
301-967-4520 (office)
202-285-3831 (mobile)
flarkin@iamaw.org

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