by George Kourpias, President,
Alliance for Retired Americans
The Alliance for Retired Americans is founded on the principle that
the interests of older Americans incorporate the interests of other
generations. Children, working age adults and older Americans are
allies, not competitors.
All share basic interests in good health, security, prosperity and
the pursuit of happiness. A healthy, well-educated child stands a
better chance of becoming a productive worker; a productive,
fairly-paid worker stands a better chance of providing for his or her
future retirement; and an adequately supported older person stands a
better chance of a dignified, independent retirement.
All generations benefit when they provide mutual support to one
another in the process of living.
The American people clearly understand the common interests of the
generations. In particular, the public understands that programs
such as social security and Medicare benefit not only currently
retired people, or persons with disabilities, but workers and
children, as well. By spreading the costs of retirement across the
entire working population, social security and Medicare provide a
reliable financial foundation for current and future retirees.
Together, they reduce the risk that individual families will bear a
disproportionate burden in caring for older family members with
inadequate incomes or expensive illnesses. This is especially
important to middle-income working families who earn too much to
qualify for many public programs but not enough to support their older
relatives in addition to themselves and their children.
Unfortunately, the recent decade of unprecedented prosperity has
led some to consider dismantling the social safety net in favor of
letting individuals gamble with more of their earnings in hopes of
winning greater personal wealth.
At best, many people would wind up only slightly worse off than
they would under public programs because of poor investment choices,
bad luck and the inherent instability of marketplace risk.
At worst, with the inevitable swings in the economy, millions of
workers would face an impoverished retirement.
Advocates of privatizing the social safety net argue that the
"losers" under their scheme can be taken care of by
means-tested assistance programs.
Yet, programs such as Supplemental Security Income and Medicaid,
which serve millions of children as well as adults, have been allowed
to fall further behind in the adequacy of their payments. SSI pays
less than the poverty level and Medicaid provides highly restrictive,
bargain-basement health care.
Americans, who through no fault of their own need help, should get
help equal to their needs. The major unmet need among older Americans
is prescription drug coverage. Everyone now agrees on the need for
comprehensive prescription drug coverage but there is a sharp division
about the best way to provide it. The only way to ensure that all
eligible older persons and Americans with disabilities get the same
guaranteed drug coverage is through the Medicare program as a
universal, defined benefit.
The fake proposal by President George W. Bush to provide grants to
states to expand drug coverage only to the poorest senior citizens is
one more slap at middle-income Americans who have trouble paying for
drugs but don’t qualify for welfare benefits.
The Bush plan is totally unacceptable and a sham proposal designed
to shift support from a comprehensive and universal benefit in behalf
of the "worthy poor." Under the full Bush plan, roughly 24
million seniors would be forced to purchase private market plans in
order to get prescription drugs, and even then they wouldn’t begin
to get them until sometime after 2004.
Once the program is finally in place, the HMOs and private insurers
will still get to make decisions as to which medications are covered
and how much they will pay on behalf of seniors.
The Alliance for Retired Americans is committed to the enactment of
a universal and comprehensive prescription drug benefit for all
Medicare beneficiaries. The alliance urges all older Americans and
their families to call, fax, e-mail or write the President and tell
him and their Congressional representatives that they oppose any
attempt to spend the budget surplus on tax cuts for the wealthy before
serious discussions are held on a real prescription drug benefit for
all older and disabled Americans and other vital public needs.
The Alliance is equally concerned with the well being of our
children and their working parents. We support improved education and
health care for America’s children; and improved minimum wages for
workers.
The Alliance believes that when generations unite, we can defeat
our common enemies. In short, solidarity will carry the day for a
stronger social insurance system for all Americans. |