APERG

MINUTES OF MEETINGS PUBLISHED AS APPROVED AT THE NEXT MEETING OF A.P.E.R.G.

^{^{^{^{^{11/13/2024

MINUTES OF THE REGULAR MEETING OF APERG
FOR OCTOBER 9th. 2024


The meeting was called to order by President
Mike Switzer at 12:00 p.m.


Officers present were, President Mike Switzer,
Secretary Dick Smith, Treasurer Bud Krause and
Trustee Jerry Veillet.

Minutes
of June 12^th.
2024 meeting

Read by, Secretary Dick Smith
approved as read.

Treasurers Report

Read by, Treasurer Bud Krause approved
as read.

New
Business

    Membership cards for 2025 were
ordered from Shel-Don and will be mailed with
information for the Holiday Party to be held on
January 8^th. at the American Legion Club.

   Nominations for officers of APERG will be
accepted at the November meeting.

The meeting was adjourned at 12:20 p.m.

Respectfully Submitted, Dick Smith,
Secretary, Arrowhead Public Employees Retirement
Group (APERG)}}}}}

10/09/2024

MINUTES OF THE REGULAR MEETING OF APERG FOR JUNE 12th. 2024

The meeting was called to order by President Mike Switzer at 12:00 p.m.

Officers present were, President Mike Switzer, Vice President Wes Berntson, Secretary Dick Smith, Treasurer Bud Krause and Trustee Jerry Veillet.

Minutes of March 13^th 2024 meeting

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Treasurer Bud Krause approved as read.

Old Business

New Business

The meeting was adjourned at 12:23 p.m.

Respectfully Submitted, Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

06/12/2024

MINUTES OF THE REGULAR MEETING OF APERG FOR MARCH 13^th. 2024

The meeting was called to order by President Mike Switzer at 12:00 p.m.

Officers present were, President Mike Switzer, Vice President Wes Berntson, Secretary Dick Smith, Treasurer Bud Krause and Trustee Jerry Veillet.

Minutes of November 8th. 2023 meeting

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Treasurer Bud Krause approved as read.

Old Business

52 Members signed up for the Holiday Party and 40 attended.

New Business

Bud said that the American Legion Club and the caterer have been reserved for the July 10 picnic.

Good and Welfare

Members who have passed away since we last met:

Dick Ledoux, water and gas retiree

$5 door prize winners were Gaylord Korhonen and Wes Berntson

The meeting was adjourned at 12:40 p.m.

Respectfully Submitted, Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

03/13/2024

MINUTES OF THE REGULAR MEETING OF APERG FOR NOVEMBER 8TH. 2023

The meeting was called to order by Vice-President Wes Berntson at 12:00 p.m.

Officers present were, Vice-President Wes Berntson, Secretary Dick Smith, and Trustee Jerry Veillet.

Minutes of October 11th. 2023 meeting

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Secretary Dick Smith approved as read.

New Business

We elected the same slate of officers for 2024, all running un-opposed. Mike Switzer for President, Wes Berntson for Vice President, Dick Smith for Secretary, Bud Krause for Treasurer and Jerry Veillet for Trustee.

The meeting was adjourned at 12:40 p.m.

Respectfully Submitted, Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

11/08/2023

MINUTES OF THE REGULAR MEETING OF APERG FOR OCTOBER 11^th. 2023

The meeting was called to order by President Mike Switzer at 12:00 p.m.

Officers present were, President Mike Switzer, Secretary Dick Smith, Treasurer Bud Krause and Trustee Jerry Veillet.

Minutes of June 14^th. 2023 meeting

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Treasurer Bud Krause approved as read.

Old Business

45 people signed up for the July Picnic and 40 attended.

New Business

We nominated the same slate of officers for 2024. Mike Switzer for President, Wes Berntson for Vice President, Dick Smith for Secretary, Bud Krause for Treasurer and Jerry Veillet for Trustee.

We will accept any additional nominations and have an Election of APERG Officers for 2024 at the November 8^th meeting.

The meeting was adjourned at 12:40 p.m.

Respectfully Submitted, Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

10/11/2023

MINUTES OF THE REGULAR MEETING OF APERG FOR JUNE 14^TH 2023

The meeting was called to order by President Mike Switzer at 12:00 p.m.

Officers present were, President Mike Switzer, Vice President Wes Berntson, Secretary Dick Smith, Treasurer Bud Krause and Trustee Jerry Veillet.

Minutes of March 8th, 2023 meeting

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Treasurer Bud Krause approved as read.

Old Business None.

New Business

The Summer Picnic is on July 12^th. The cost is $10 per person.

After a long discussion, we voted unanimously on a preliminary plan to return the remaining CODRESF funds to the active APERG members that had contributed money to the CODRESF. Bud Krause is working on a plan to make a fair distribution to all eligible members.

Good and Welfare

Members who have passed since we met last.

They will be missed.

Stanley Hammer

Robert Peterson

Jack Soyka

The $5 door prize winner was Paula Savela

The meeting was adjourned at 12:40 p.m.

Respectfully Submitted, Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

06/14/2023

MINUTES OF THE REGULAR MEETING OF APERG FOR MARCH 8^TH 2023

The meeting was called to order by President Mike Switzer at 12:00 p.m.

Officers present were, President Mike Switzer, Vice President Wes Berntson, Secretary Dick Smith, Treasurer Bud Krause and Trustee Jerry Veillet.

Minutes of November 9, 2022 meeting

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Treasurer Bud Krause approved as read. 44 people signed up and 38 people attended the Holiday Party that was delayed until January due to the December snow storm. 114 members have paid dues for 2023.

Old Business None.

New Business

It was voted to move the Holiday Party to January. This is to allow more members to attend without conflicts from other holiday events.

Dick Smith said that there have been no Labor Management Insurance meetings that he has been notified of.

Good and Welfare

Dave Mattson 84, passed away Monday February 20, 2023, at Solvay Hospice House.

The $5 door prize winner was Paula Savela.

The meeting was adjourned at 12:27 pm.

Respectfully Submitted, Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

03/08/2023

MINUTES OF THE REGULAR MEETING OF APERG FOR NOVEMBER 9, 2022

The meeting was called to order by President Mike Switzer at 12:00 p.m.

Officers present were, President Mike Switzer, Vice President Wes Berntson, Secretary Dick Smith, Treasurer Bud Krause and Trustee Jerry Viellet.

Minutes of October 12th, 2022 meeting

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Treasurer Bud Krause approved as read. 44 members have signed up for the Christmas party.

Old Business

Starting in 2023 we will have meetings or parties on March 8^th June 14^th July 12^th Oct 11 November 8^th and Dec 13^th.

New Business

We had no additional nominations for year 2023 officers and at this meeting we voted for the same slate of officers for 2023.

Running unopposed:

President Mike Switzer, Vice President Wes Berntson, Secretary Dick Smith, Treasurer Bud Krause, and Trustees Jerry Viellet and Fred Crandall.

Good and Welfare

The $5 door prizes winners were Jeff Cox and Lynn Korhonen.

The meeting was adjourned at 12:25pm.

Respectfully Submitted, Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

10/12/2022

MINUTES OF THE REGULAR MEETING OF APERG FOR SEPTEMBER 14^th, 2022

The meeting was called to order by President Mike Switzer at 12:00 p.m.

Officers present were, President Mike Switzer, Secretary Dick Smith, Treasurer Bud Krause, Trustees Jerry Veillet, and Fred Crandall.

Minutes of June 8th, 2022 meeting

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Treasurer Bud Krause approved as read. 44 People signed up for the picnic and 36 attended.

Old Business

Our Summer Picnic was held at the American Legion Club on July 13^th. MN State Representative Mary Murphy was our guest.

New Business

We discussed changing our meeting schedule due to low attendance. We decided to drop 5 gatherings out of 11 per year. Starting in 2023 we will have March 8^th June 14^th July 12^th Oct 11 November 8^th and Dec 13^th. We approved the order of 150 membership cards from Sheldon Duluth to be mailed with 2023 dues requests. The meeting changes were approved by those attending and will be on the 2023 cards.

At the October meeting we will have nominations of year 2023 officers and at the November meeting we have additional nominations of officers followed by elections for 2023.

Good and Welfare

The $5 door prizes winners were Gaylord Korhonen and Paula Savela.

The meeting was adjourned at 12:42pm.

Respectfully Submitted, Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

9/14/2022

MINUTES OF THE REGULAR MEETING OF APERG FOR JUNE 8^th, 2022

The meeting was called to order by President Mike Switzer at 12:00 p.m.

Officers present were, President Mike Switzer, Vice President Wes Berntson, Secretary Dick Smith, Treasurer Bud Krause, and Trustee Jerry Veillet.

Minutes of May 11, 2022 meeting

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Treasurer Bud Krause approved as read. Membership stands at 134.

New Business

Dick Smith attended the meeting of the City of Duluth Labor Management Committee on Wednesday June 1st. He obtained a copy of the financials and discovered that that Duluth had a $200,000 expense for cleaning up homeless encampments.

Our Summer Picnic is at the American Legion Club at noon July 13^th. We invited MN State Representative Mary Murphy as our guest.

Good and Welfare

The $5 door prizes winners were Gaylord Korhonen and Dave Mattson.

The meeting was adjourned at 12:56 pm.

Respectfully Submitted, Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

06/08/2022

MINUTES OF THE REGULAR MEETING OF APERG FOR MAY 11th. 2022

The meeting was called to order by President Mike Switzer at 12:00 p.m.

Officers present were, President Mike Switzer, Vice President Wes Berntson, Secretary Dick Smith, Treasurer Bud Krause, and Trustee Jerry Veillet.

Minutes of April13. 2022 meeting

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Treasurer Bud Krause approved as read.

New Business

Wes Berntson read an email from Adam Casillas of Fire Local 101 about the status of arbitration over changes the City wants to make to Medical Insurance Plan 3A. Local 101 had gone to an arbitrator to try and prevent the City from making adverse changes to Plan 3A. The arbitrator had decided in favor of the City.

What this means is that for those of us on 3a (Not yet Medicare Eligible), we are locked into what ever the City decides the Active Employees will receive.

Those of us on Medicare are on a plan D supplement plan, which could be changed also.

We decided to have the APERG Summer Picnic at the American Legion Club on July 13^th. The cost is $10 per person and is open to all members and guests. Advance payment is due by July 1^st.

Good and Welfare

The $5 door prizes winners were Lynn Korhonen and Dave Mattson.

The meeting was adjourned at 12:56 pm.

Respectfully Submitted, Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

05/11/2022

MINUTES OF THE REGULAR MEETING OF APERG FOR APRIL 13th. 2022

The meeting was called to order by President Mike Switzer at 12:00 p.m.

Officers present were, President Mike Switzer, Vice President Wes Berntson, Secretary Dick Smith, Treasurer Bud Krause, and Trustees Jerry Veillet and Fred Crandall.

Minutes of March 9th. 2022 meeting

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Treasurer Bud Krause approved as read.

New Business

Dick Smith read a portion of an article from the April 4th Duluth News Tribune about a record number, around 10% of fire fighters retiring over concern over future changes in their healthcare contract affecting retirement.

Good and Welfare

The $5 door prizes winners were Paula Savela and Fred Crandall.

Eli Miletich, retired Duluth Police Chief and a longtime member of APERG passed away on March 24^th at the age of 86.

The meeting was adjourned at 12:37 pm.

Respectfully Submitted, Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

04/13/2022

MINUTES OF THE REGULAR MEETING OF APERG FOR MARCH 9th. 2022

The meeting was called to order by President Mike Switzer at 12:00 p.m.

Officers present were, President Mike Switzer, Secretary Dick Smith, and Trustee Jerry Veillet.

Minutes of February 9th. 2022 meeting

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Dick Smith in Treasurer Bud Krause’s absence, approved as read.

Two membership dues payments received in February. Paid membership for 2022 stands at 128.

New Business

Dick Smith read an email to our group from Adam Casillas, President of Firefighters Local 101 to the Duluth City Council. Paraphrasing his email he states:

On September 14, 2021, the City of Duluth went to the press without first reaching out to the Unions, stating to the Star Tribune that health care costs would increase by 17% in 2023 and all years thereafter unless changes were made to the current plan design.

He explains that Local 101 is interested in working with the City to negotiate a sustainable health care plan for our members. But in return, City representatives must use reasonable assumptions regarding future health care costs and not assumptions that are obviously padded in a misguided effort to convince the Unions to agree upon drastic and unnecessary cuts to its member’s health care.

Good and Welfare

The $5 door prizes winners were Laura Johnson and Gaylord Korhonen

The meeting was adjourned at 12:40 pm.

Respectfully Submitted, Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

03/09/2022

MINUTES OF THE REGULAR MEETING OF APERG FOR FEBRUARY 9th. 2022

The meeting was called to order by President Mike Switzer at 12:00 p.m.

Officers present were, President Mike Switzer, Vice President Wes Berntson, Secretary Dick Smith, Treasurer Bud Krause, and Trustee Jerry Veillet.

Minutes of January 12th. 2022 meeting

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Treasurer Bud Krause approved as read.

Two membership dues payments received in February. Paid membership for 2022 stands at 128.

New Business

Pat Alexander had suggested that we raise the stipend for the President, Secretary and Treasurer of APERG. The group voted to leave it as it is for now.

Good and Welfare

The $5 door prizes winners were Paula Savela and Jerry Veillet.

The meeting was adjourned at 12:40 pm.

Respectfully Submitted, Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

02/09/2022

MINUTES OF THE REGULAR MEETING OF APERG FOR JANUARY 12th. 2022

The meeting was called to order by President Mike Switzer at 12:00 p.m.

Officers present were, President Mike Switzer, Vice President Wes Berntson, Secretary Dick Smith, Treasurer Bud Krause, and Trustee Jerry Veillet.

Minutes of November 10th. 2021 meeting

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Treasurer Bud Krause approved as read.

48 people had signed up and paid for the Christmas Party and 30 attended.

We have 124 members paid for 2022.

New Business

PEPSA a lobbying group for PERA that our group had formerly belonged to has dissolved due to declining membership.

No known health insurance contract negotiations are in progress.

Good and Welfare

The $5 door prizes winners were Lynn Korhonen and Gaylord Korhonen.

The meeting was adjourned at 12:20 pm.

Respectfully Submitted, Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

01/12/2022

MINUTES OF THE REGULAR MEETING OF APERG FOR NOVEMBER 10th. 2021

The meeting was called to order by Vice President Wes Berntson at 12:00 p.m.

Officers present were, Vice President Wes Berntson, Secretary Dick Smith, Treasurer Bud Krause, and Trustee Jerry Veillet.

President Mike Switzer is on vacation in Florida.

Minutes of October 14th. 2021 meeting

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Treasurer Bud Krause approved as read.

113 members have paid their dues for 2022 so far and 40 people have signed up for the December 8th Christmas party.

New Business

A letter that was distributed among the active employees from the Fire Department’s Union L0101 was read by Dick Smith to the group. It is a letter that is meant to be sent to the City Administration and City Councilors explaining the unions position on the City’s proposal to change the health insurance coverage for active employees. The City intends change Plan 3A to lower their health insurance cost by raising the amount of deductible and co-pay. These changes would also affect retirees that have City healthcare coverage, whether paid by the City or COBRA.

Election of Officers for 2022

It has been moved and seconded that we elect the slate of nominated officers for 2022.

Running unopposed:

President Mike Switzer, Vice President Wes Berntson, Secretary Dick Smith, Treasurer Bud Krause, and Trustees Jerry Veillet and Fred Crandall.

Good and Welfare

The $5 door prizes winners were Lynn Korhonen and Wes Berntson.

The meeting was adjourned at 12:37pm.

Respectfully Submitted, Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

11/10/2021

MINUTES OF THE REGULAR MEETING OF APERG FOR OCTOBER 13^TH 2021

The meeting was called to order by President Mike Switzer at 12:00 p.m.

Officers present were President Mike Switzer, Vice President Wes Berntson, Treasurer Bud Krause, and Trustee Jerry Veillet and Fred Crandall.

Minutes of September 11^th 2021 meeting

Read by, Bud Krause acting for Secretary Dick Smith in his absence, approved as read.

Treasurers Report

Read by, Treasurer Bud Krause approved as read.

New Business

A discussion was held regarding new contract proposals (primarily fire fighter) to include a substantial pay raise in the first year, removing health plan 3a and creating a new health plan with higher deductibles.

Bargaining unit members were not in favor. Fire fighters are eligible to retire at age 55, but health care would cost $1000 per month until they are eligible for Medicare at age 65.

Pat Alexander made a motion to bring representatives of the bargaining units to our next meeting. Treasurer Krause suggested inviting them to the Holiday Party in December because of a probable higher turnout of retirees.

President Mike will contact the union representatives and invite them to the December Holiday Party.

Good and Welfare

The $5 door prizes winners were Paula Savela and Walt Peterson.

The meeting was adjourned at 12:30pm.

Respectfully Submitted,

Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

10/13/2021

MINUTES OF THE REGULAR MEETING OF APERG FOR SEPTEMBER 8^TH 2021

The meeting was called to order by President Mike Switzer at 12:00 p.m.

Officers present were President Mike Switzer, Vice President Wes Berntson, Secretary Dick Smith, Treasurer Bud Krause, and Trustee Jerry Veillet.

Minutes of March 11^th 2020 meeting

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Treasurer Bud Krause approved as read.

New Business

Dick Smith reported that he has received word that the City plans to have a Health Fair at the DECC this year, tentatively set for Monday, Oct 25 from 8am-3pm.

We voted to place an order with Sheldon for membership cards for 2022 to be included in the mailing for the Christmas party scheduled for December 8^th at the American Legion.

Good and Welfare

APERG Members who have passed away since our last meeting on 03/11/2020.

Juliien Berntson

Frank Carle

Edward Carlson

Joanne Derosier

Keith Haglin

Wallace Janczak

Dennis Walkowiak

Arlene Zakula

They are greatly missed by family and friends.

The $5 door prizes winners were Wes Berntson and Paula Savela.

The meeting was adjourned at 12:22pm.

Respectfully Submitted,

Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

09/08/2021

MINUTES OF THE REGULAR MEETING OF APERG FOR MARCH 11^TH 2020

The meeting was called to order by President Mike Switzer at 12:00 p.m.

Officers present were President Mike Switzer, Vice President Wes Berntson, Secretary Dick Smith, Treasurer Bud Krause, and Trustee Fred Crandall.

Minutes of February 12^th 2020 meeting

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Treasurer Bud Krause approved as read.

New Business

There was much discussion about Covid 19 and how it may affect us. Bud said that toilet paper is being hoarded and that hand disinfectant is hard to find. We are concerned whether Evergreen will remain open or not. There is some speculation that Covid 19 may decline during the summer months like the flu.

Good and Welfare

We received word that past APERG president Pat Alexander was recuperating at home after knee replacement surgery.

The $5 door prizes winners were Dave Mattson and Andy Smigiel.

The meeting was adjourned at 12:22pm.

Respectfully Submitted,

Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

03/11/2020

MINUTES OF THE REGULAR MEETING OF APERG FOR FEBRUARY 12^th 2020

The meeting was called to order by President Mike Switzer at 12:00 p.m.

Officers present were President Mike Switzer, Vice President Wes Berntson, Secretary Dick Smith, Treasurer Bud Krause, and Trustee Fred Crandall.

January 8^th 2019 Minutes

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Treasurer Bud Krause approved as read.

Membership for 2020 stands at 130.

New Business

APERG President Mike Switzer attended the City Labor Management Healthcare Committee meeting on January 22.

All City labor contracts expire at the end of this year and Duluth City government will be looking to hold down healthcare costs in 2021.

Our concern is the real possibility of higher health care costs for retirees as our benefit is tied to the coverage that the active employees have and may accept in future labor negotiations. It is important that we keep in touch with the active union members as they enter negotiations and remind them that they also negotiate for the retirees.

Good and Welfare

The $5 door prizes winners were Laura Switzer and Dave Mattson.

The meeting was adjourned at 12:15pm.

Respectfully Submitted,

Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

02/12/2020

MINUTES OF THE REGULAR MEETING OF APERG FOR JANUARY 8^TH 2020

The meeting was called to order by President Mike Switzer at 12:00 p.m.

Officers present were President Mike Switzer, Vice President Wes Berntson, Secretary Dick Smith, Treasurer Bud Krause, and Trustee Fred Crandall.

November 13^th 2019 Minutes

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Treasurer Bud Krause approved as read.

APERG Membership at end of 2019 stands at 125.

53 Members paid for the Christmas Party and 43 attended.

New Business

Cobra Dental premiums for City Retirees were increased in most categories.

Medicare B premiums were also increased.

There was much discussion about Duluth’s snowplowing response to the previous three snowstorms and the Post Office’s ability to deliver the mail.

Bud reminded everyone who plans to have an 11:30am. lunch with us to call 723-3663 at least a few days in advance of the next meeting to reserve a spot.

Good and Welfare

The $5 door prizes winners were Gaylord Korhonen and Paula Savela.

The meeting was adjourned at 12:25pm.

Respectfully Submitted,

Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

01/08/2020

MINUTES OF THE REGULAR MEETING OF APERG FOR NOVEMBER 13^TH 2019

The meeting was called to order by President Mike Switzer at 12:00 p.m.

Officers present were President Mike Switzer, Vice President Wes Berntson, Secretary Dick Smith, Treasurer Bud Krause, Trustees Frank Carle, Jerry Veillet and Fred Crandall.

October 9^th 2019 Minutes

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Treasurer Bud Krause approved as read.

Nominations of Officers for the year 2020

Trustee Frank Carle has decided not to run again for 2020.

Laura Johnson has agreed to run for Trustee and was nominated.

Election of Officers for the year 2020

By a unanimous vote we elected Mike Switzer for President, Bud Krause for Treasurer, Dick Smith for Secretary, Wes Berntson for Vice President and Laura Johnson for Trustee.

Old Business

We had much discussion once again about the CODRESF fund and we decided we needed to wait for a legal opinion.

New Business

A resolution was made to raise the stipend amount paid to the President, Treasurer and Secretary of Aperg as there had not been a stipend amount increase for many years (probably in 2012). It was passed by a unanimous vote.

We decided to have meat balls and pork loin for the meat on the menu for the Christmas party.

Good and Welfare

The $5 door prizes winners were Wes Berntson and Andy Smigiel.

The meeting was adjourned at 12:40pm.

Respectfully Submitted,

Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

11/13/2019

MINUTES OF THE REGULAR MEETING OF APERG FOR OCTOBER 9^th 2019

The meeting was called to order by President Mike Switzer at 12 noon.

Officers present were President Mike Switzer, Vice President Wes Berntson, Secretary Dick Smith, Treasurer Bud Krause and Trustees, Jerry Veillet and Fred Crandall.

September 11^th 2019 Minutes

Read by Secretary Dick Smith were approved as read.

Treasurers Report

Read by Treasurer Bud Krause was approved as read.

Old Business

No decision has been made as to the disposition of the CODRESF funds.

Nominations of officers of APERG

Trustee Frank Carle has decided not to run again for office. Nominations for 2019 were made for Mike Switzer for President, Bud Krause for Treasurer, Dick Smith for Secretary, Wes Berntson for Vice President. Nominations for the office of PERG trustee is still open as of this meeting. We have three trustees who serve three year terms who are elected by rotation annually. Additional nominations will be accepted at the November meeting.

Good and Welfare

The $5 door prize winners were Julien Berntson and Paula Savela

Julien Berntson’s 100^th birthday was Tuesday and we are celebrating with a cake right after this meeting is over today.

The meeting was adjourned at 12:47pm.

Respectfully Submitted,

Secretary Dick Smith,

Arrowhead Public Employees Retirement Group (APERG)

10/09/2019

MINUTES OF THE REGULAR MEETING OF APERG FOR SEPTEMBER 11^th 2019

The meeting was called to order by President Mike Switzer at 12 noon.

Officers present were President Mike Switzer, Vice President Wes Berntson, Secretary Dick Smith, Treasurer Bud Krause and Trustees, Jerry Veillet and Fred Crandall.

June 12^th 2019 Minutes

Read by Secretary Dick Smith were approved as read.

Treasurers Report

Read by Treasurer Bud Krause was approved as read.

There were 53 members that had signed up for the July picnic and 40 members attended.

The 2019 Membership total is at 156.

Old Business

We received a letter from the Minnesota Citizens Federation notifying us that they were going out of business. APERG has been a member of that organization for many years.

New Business

The City of Duluth Health Fair will be on November 13^th from 8am to 3pm.

It is on the same day as our November meeting, but there is plenty of time to go to both.

Bud Krause said that he had been approached by some of the trustees as to what if anything should be done with the remainder of the “City of Duluth Retired Employee’s Security Fund” or CODRESF which has been sitting idle in the credit union for the past 10 years. There was much discussion about how to handle these assets, such as returning the money back to the donors. No decision has been made.

We voted to approve the purchase of 250 membership cards for the year 2020 to be printed by ShelDon of Duluth.

Good and Welfare

Allison Churchill age 66, a retiree from the City of Duluth Attorney’s Office passed away on August 19^th, 2019.

Hartley Conrad age 90, a retiree and APERG member from the City of Duluth Building Inspections Office passed away on August 26, 2019.

The $5 door prize winners were Julie Mockler and Dave Mattson.

The meeting was adjourned at 1:03pm.

Respectfully Submitted,

Secretary Dick Smith,

Arrowhead Public Employees Retirement Group (APERG)

09/12/2019

MINUTES OF THE REGULAR MEETING OF APERG FOR JUNE 12^th 2019

The meeting was called to order by President Mike Switzer at 12 noon.

Officers present were President Mike Switzer, Vice President Wes Berntson, Secretary Dick Smith, Treasurer Bud Krause and Trustee, Jerry Veillet.

The meeting was suspended for a presentation by our guest speaker State Representative Mary Murphy.

Mary gave us a review of the 2019 legislative session and how it took a one day special session to get all of the work done. The Governor wanted State spending increased, but the majority of the legislature was opposed to any large spending increases.

The major discussion points:

A balanced budget with enough of an increase to match the cost of living.
An increase in state aid for education and special needs.

Agriculture funding for drainage projects.
Local Government Aid to some cities to reduce their property tax burden.
Next year will be a bonding year again and there will be requests for many projects such as Old Central High School repairs and the Northern Lights Express that Amtrak is finally showing some interest in.

We thanked Mary for coming to visit with us. She has been our guest for our June meeting for many years. We invited her to our July picnic.

May 8^th 2019 Minutes

Read by Secretary Dick Smith were approved as read.

Treasurers Report

Read by Treasurer Bud Krause was approved as read.

The 2019 Membership total is at 156.

Old Business

Health Partners will be at our July picnic to answer our insurance questions.

Good and Welfare

The $5 door prize winners were Patrick Alexander and Dave Mattson.

The meeting was adjourned at 1:00 pm.

Respectfully Submitted,

Secretary Dick Smith,

Arrowhead Public Employees Retirement Group (APERG)

06/12/2019

MINUTES OF THE REGULAR MEETING OF APERG FOR MAY 8^th 2019

The meeting was called to order by President Mike Switzer at 12 noon.

Officers present were President Mike Switzer, Vice President Wes Berntson, Secretary Dick Smith, Treasurer Bud Krause and Trustee, Fred Crandall.

April 10th 2019 Minutes

Read by Secretary Dick Smith were approved as read.

Treasurers Report

Read by Treasurer Bud Krause was approved as read.

The 2019 Membership total is at 156.

Old Business

Dick Smith shared some information with the group on the last two Labor Management Committee Insurance Meetings he attended at City Hall. Heath care costs keep spiraling up and various scenarios were offered by a consultant hired by the City to try and contain rising insurance costs. Dick says that he is still trying to get a commitment from Health Partners to send a representative to our July picnic.

Good and Welfare

The $5 door prize winners were Patrick Alexander and Julien Berntson.

The meeting was adjourned at 12:32 pm.

Respectfully Submitted,

Secretary Dick Smith,

Arrowhead Public Employees Retirement Group (APERG)

05/08/2019

MINUTES OF THE REGULAR MEETING OF APERG FOR APRIL 10^th 2019

The meeting was called to order by President Mike Switzer at 12 noon.

Officers present were President Mike Switzer, Secretary Dick Smith, Treasurer Bud Krause and Trustees Jerry Veillet, Fred Crandall and Frank Carle.

March 13th 2019 Minutes

Read by, Secretary Dick Smith were approved as read.

Treasurers Report

Read by, Treasurer Bud Krause was approved as read.

The 2019 Membership total is at 156.

Old Business

Bud announced that a caterer has been lined up for the Summer Picnic at the Legion Club.

We passed a motion to approve the spending for the Summer Picnic mailing, the hiring of a caterer and the door prizes.

Good and Welfare

Our thoughts are with APERG members Howard and Bev Tullgren. Howard suffered a bad fall and is in a nursing home and Bev has had a heart attack.

The $5 door prize winners were Wanda Brandt and Walt Peterson

The meeting was adjourned at 12:17pm.

Respectfully Submitted,

Secretary Dick Smith,

Arrowhead Public Employees Retirement Group (APERG)

04/10/2019

MINUTES OF THE REGULAR MEETING OF APERG FOR MARCH 13th 2019

The meeting was called to order by President Mike Switzer at 12 noon.

Officers present were President Mike Switzer, Vice President Wes Berntson, Secretary Dick Smith, Treasurer Bud Krause and Trustees Jerry Veillet, Fred Crandall and Frank Carle.

February 13th 2019 Minutes

Read by, Secretary Dick Smith were approved as read.

Treasurers Report

Read by, Treasurer Bud Krause was approved as read.

The 2019 Membership total is at 155.

Old Business

Bud Krause said that the Summer Picnic date and Christmas Party date has been reserved at the American Legion. We still need to find a caterer for both events.

Good and Welfare

The $5 door prize winners were Sharon Alexander and Wes Berntson

The meeting was adjourned at 1:00pm

Respectfully Submitted,

Secretary Dick Smith,

Arrowhead Public Employees Retirement Group (APERG)

03/14/2019

MINUTES OF THE REGULAR MEETING OF APERG FOR FEBRUARY 13th 2019

The meeting was called to order by President Mike Switzer at 12 noon.

Officers present were President Mike Switzer, Vice President Wes Berntson, Secretary Dick Smith, Treasurer Bud Krause and Trustees Jerry Veillet, Fred Crandall and Frank Carle.

January 9th 2019 Minutes

Read by, Secretary Dick Smith were approved as read.

Treasurers Report

Read by, Treasurer Bud Krause was approved as read.

The 2019 Membership total is at 151.

Old Business

Mike Switzer stopped in at the HR office in City Hall and got information on his retiree term life insurance plan.

There are many different circumstances that people retired under, it is best that they contact HR if they are concerned about what coverage they have.

New Business

Leroy Hendrickson, our long time caterer passed away on January 28th. Our group needs to find another caterer to replace him. Our next luncheon is on July 10th.

Good and Welfare

Larry Bushy, an APERG member and retired Duluth Fire Chief passed away on February 8^th.

The $5 door prize winners were Gaylord Korhonen and Wes Berntson

The meeting was adjourned at 1:00pm

Respectfully Submitted,

Secretary Dick Smith,

Arrowhead Public Employees Retirement Group (APERG)

02/13/2019

MINUTES OF THE REGULAR MEETING OF APERG FOR JANUARY 9th 2019

The meeting was called to order by President Mike Switzer at 12 noon.

Officers present were President Mike Switzer, Vice President Wes Berntson, Secretary Dick Smith, Treasurer Bud Krause and Trustees Jerry Veillet, Fred Crandall and Frank Carle.

November 14^th 2018 Minutes

Read by, Secretary Dick Smith were approved as read.

Treasurers Report

Read by, Treasurer Bud Krause was approved as read.

The 2019 Membership total is at 145 paid members and 8 guests.

Old Business

PERA and MSRS have announced that they are moving to 625 E Central Entrance, the Teachers Retirement Building. They will be open on January 24^th. Access is off of Pecan Ave.

In November we had asked City of Duluth Human Resources to send someone to our December Christmas Party to answer retiree benefit questions. They were not able to send someone at that time that was familiar with our plans.

They instead asked us to email them a list of questions and concerns that we had wanted answers to. We voted to have our retirees bring their questions and concerns back to our next meeting. Including that we make a request to HR for information as to the various amounts of term life insurance coverage that each retiree had when they retired as it has changed from one contract to another over the many years and was not necessarily spelled out in the labor agreement that they retired under.

Good and Welfare

The $5 door prize winners were Wanda Brandt and Fred Crandall

The meeting was adjourned at 12:45pm.

Respectfully Submitted,

Secretary Dick Smith,

Arrowhead Public Employees Retirement Group (APERG)

01/09/2019

MINUTES OF THE REGULAR MEETING OF APERG FOR NOVEMBER 14th 2018

The meeting was called to order by President Pat Alexander at 12 noon.

Officers present were President Pat Alexander, Vice President Mike Switzer, Secretary Dick Smith, Treasurer Bud Krause and Trustees Jerry Veillet, Fred Crandall and Frank Carle.

October 10^th 2018 Minutes

Read by, Secretary Dick Smith were approved as read.

Treasurers Report

Read by, Treasurer Bud Krause was approved as read.

2019 Membership total is at 92 paid members.

35 have signed up for the Christmas party so far.

Old Business

If you plan to go to the Christmas party, be sure to sign up by December 1^st. The cost is $10 per person. Chicken and Pork Tenderloin is on the menu. We will invite someone from the City Human Resources to speak at noon.

New Business

We had some discussion about retiree term life insurance and the differing amounts of coverage that City retirees have depending on the union contracts that they retired under. Anyone with questions is advised to contact Human Resources at the City as to their individual coverage amount.

Nominations of Officers of APERG

Mike Switzer was nominated for APERG president to replace Patrick Alexander who is retiring at the end of the year. Wes Berntson was nominated for APERG Vice President to replace Mike Switzer. The other officers were nominated at the October meeting.

Election of Officers of APERG for 2019

Mike Switzer for President, Wes Berntson for Vice President, Dick Smith for Secretary, Bud Krause for Treasurer and Fred Crandall for Trustee. All were running un-opposed and elected as a group.

Good and Welfare

Two new members have joined APERG at today’s meeting. Julie Mockler and George Lewis, both had retired from the City of Duluth.

The $5 door prize winners were Fred Crandall and Julien Berntson.

The meeting was adjourned at 12:50pm.

Respectfully Submitted,

Secretary Dick Smith,

Arrowhead Public Employees Retirement Group (APERG)

11/14/2018

MINUTES OF THE REGULAR MEETING OF APERG FOR OCTOBER 10th 2018

The meeting was called to order by President Pat Alexander at 12 noon.

Officers present were President Pat Alexander, Vice President Mike Switzer, Secretary Dick Smith, Treasurer Bud Krause and Trustees Jerry Veillet, Fred Crandall and Frank Carle.

September 12^th 2018 Minutes

Read by, Secretary Dick Smith were approved as read.

Treasurers Report

Read by, Treasurer Bud Krause was approved as read.

2018 Membership total is 157

New Business

There has been a lot of dis-information going around about changes in our Health Partners Cost Plan health insurance. This only affects retirees that are living in the Twin Cities area counties. This does not affect those in the Duluth area.

Dick Smith mentioned that if retirees want the high strength flu vaccine that is recommended for those 65 and over, they should either contact their doctor or visit their pharmacy for their flu shot. There is no charge as it is fully covered by Medicare. The City will not be providing the high strength vaccine at the health fair.

Nominations of officers of APERG

President Pat Alexander has decided not to run again for office. Nominations for 2019 were made for Bud Krause for Treasurer, Dick Smith for Secretary, Mike Switzer for Vice President and Fred Crandall for Trustee. The office of APERG President for 2019 was still open as of this meeting. Additional nominations will be accepted at the November meeting.

Good and Welfare

Patrick Heaslip age 90, retired from St. Louis County Probations and Arrowhead Regional Corrections, passed away on September 29, 2018

Retired Duluth Police officer Chris Boerner is in an Intensive Care Unit in Peoria Illinois after being rear ended on his motorcycle on September 18th. We pray for his recovery from this tragic accident.

The $5 door prize winners were Lynn Korhonen and Gaylord Korhonen.

The meeting was adjourned at 12:55pm

Respectfully Submitted,

Secretary Dick Smith,

Arrowhead Public Employees Retirement Group (APERG)

10/10/2018

MINUTES OF THE REGULAR MEETING OF APERG FOR SEPTEMBER 12th 2018

The meeting was called to order by President Pat Alexander at 12 noon.

Officers present were President Pat Alexander, Vice President Mike Switzer, Secretary Dick Smith, Treasurer Bud Krause and Trustees Jerry Veillet, Fred Crandall and Frank Carle.

June 13^th 2018 Minutes

Read by, Secretary Dick Smith were approved as read.

Treasurers Report

Read by, Treasurer Bud Krause was approved as read.

2018 Membership total is 157

At the Summer Picnic 60 members paid and 55 attended. Doug Anderson the Executive Director of the Public Employees Retirement Association of Minnesota spoke at the picnic. His presentation to us has been available on our website, WWW.APERG.ORG since the picnic.

New Business

Due to a conflict with our APERG November meeting date we voted not participate in the City of Duluth Health Fair this year. Dick Smith will contact the City about the conflict problem.

We voted to use ShelDon printers once again to make our membership cards for the year 2019.

Barcodes will do the membership mailings again this year.

Good and Welfare

The $5 door prize winners were Fred Crandall and Mike Switzer.

The meeting was adjourned at 12:39pm

Respectfully Submitted,

Secretary Dick Smith,

Arrowhead Public Employees Retirement Group (APERG)

09/12/18

MINUTES OF THE REGULAR MEETING OF APERG FOR JUNE 13th 2018

The meeting was called to order by President Pat Alexander at 12 noon.

The meeting was suspended for a presentation by our guest speaker State Representative Mary Murphy.

Mary related to us the struggle required to finally push through the 2018 Pension Bill. It was very interesting to hear all of the behind the scenes activities at the legislature. Somewhere around the years 2040 to 2044 all the pension plans will be at 100% funding. This pension bill is historical in that it passed both houses of the legislature with no opposition whatsoever. The bill passed the Minnesota House in the last minutes of the very end of the session.

We thanked Mary for coming to visit our group. She spent 40 minutes of her valuable time with us.

The meeting then resumed after the presentation at 12:42pm.

Officers present were President Pat Alexander, Vice President Mike Switzer, Secretary Dick Smith, Treasurer Bud Krause and Trustees Jerry Veillet and Frank Carle.

May 9^th 2018 Minutes

Read by, Secretary Dick Smith were approved as read.

Treasurers Report

Read by, Treasurer Bud Krause was approved as read.

2018 Membership total is 156.

New Business

We had a discussion about charges for eye exams. A lot depends on extenuating medical conditions that make an eye exam necessary. We always recommend talking to you physician and calling the insurance company if you have questions regarding coverage.

Good and Welfare

Joyce Henkel, retired Saint Louis County Social Worker passed away on May 16^th. age 92.

The $5 door prize winners were Laura Johnson and Mike Switzer.

The meeting was adjourned at 1:02pm

Respectfully Submitted,

Secretary Dick Smith,

Arrowhead Public Employees Retirement Group (APERG)

06/13/18

MINUTES OF THE REGULAR MEETING OF APERG FOR MAY 9th 2018

The meeting was called to order by President Pat Alexander at 12 noon.

Officers present were President Pat Alexander, Vice President Mike Switzer and Treasurer Bud Krause, and Trustee Frank Carle.

April 11^th 2018 Minutes

Read by, Secretary Dick Smith were approved as read.

Treasurers Report

Read by, Treasurer Bud Krause was approved as read.

2018 Membership total is 156

New Business

Dick Smith read from the PERA newsletter and MPR news about necessary changes in Minnesota Public Employee Pensions. The crux of the matter is that there are less and less actives paying into the plan to support the longer living retirees.

The 2018 Pension Bill is expected to pass the legislature and be signed by the governor as there is broader support this year than last year.

Good and Welfare

The $5 door prizes winners were Julien Berntson and Dave Mattson

The meeting was adjourned at 12:37pm.

Respectfully Submitted,

Secretary Dick Smith,

Arrowhead Public Employees Retirement Group (APERG)

05/09/18

MINUTES OF THE REGULAR MEETING OF APERG FOR APRIL 11th 2018

The meeting was called to order by President Pat Alexander at 12 noon.

Officers present were President Pat Alexander, Vice President Mike Switzer and Treasurer Bud Krause, and Trustees Fred Crandall and Jerry Veillet.

March 14^th 2018 Minutes

Read by, Secretary Dick Smith were approved as read.

Treasurers Report

Read by, Treasurer Bud Krause was approved as read.

There are 155 paid memberships

New Business

APERG received an email from a member advising us that there is a House file in the tax committee at the state legislature that offers some special income tax treatment for Police and Fire retirees. Affected retirees may want to keep track of its progress through the tax committee. The Omnibus Pension Bill of 2017 was vetoed by the governor as he said it contained a “Poison Pill”.

Dick Smith had checked with Health Partners about coverage for a new more effective shingles vaccine called “Shingrix”. It is recommended by the CDC for all healthy adults over 50. It is administered as two injections two to six months apart and costs $15 each time as it is a tier 3 medication. It is offered by most major pharmacies without a prescription.

Good and Welfare

The $5 door prizes winners were Rollie Royer and Fred Crandall

The meeting was adjourned at 12:30pm.

Respectfully Submitted,

Secretary Dick Smith,

Arrowhead Public Employees Retirement Group (APERG)

04/11/18

MINUTES OF THE REGULAR MEETING OF APERG FOR MARCH 14^th2018

The meeting was called to order by Treasurer Bud Krause at 12 noon, who filled in for President Pat Alexander who had a migraine.

Officers present were President Pat Alexander, Vice President Mike Switzer and Treasurer Bud Krause, Trustees Fred Crandall and Jerry Veillet.

February 14^th 2017 Minutes

Read by, Treasurer Bud Krause were approved as read. Secretary Dick Smith had a scheduled medical absence.

Treasurers Report

Read by, Treasurer Bud Krause was approved as read.

New Business

It was announced that the PERA board had re-elected Kathryn Green as Board President and Thomas Stanley as Board Vice President at their February 8^th meeting.

Medicare will soon be mailing out new membership cards to all members that will no longer contain their Social Security numbers. This has been a long time in coming, as retirees may have been be exposed to identity theft if the social security numbers were miss-used or sold to third parties by anyone with access to their medical records.

Good and Welfare

The $5 door prizes winners were Russ Anderson and Fred Crandall

The meeting was adjourned at 12:30pm.

Respectfully Submitted,

Bud Krause, Treasurer, Arrowhead Public Employees Retirement Group (APERG)

03/14/2018

MINUTES OF THE REGULAR MEETING OF APERG FOR FEBRUARY 14^th2018

The meeting was called to order by President Pat Alexander at 12 noon.

Officers present were President Pat Alexander, Secretary Dick Smith, Treasurer Bud Krause, Trustees Fred Crandall, Jerry Veillet and Frank Carle.

January 10th 2017 Minutes

Read by, Secretary Dick Smith were approved as read.

Treasurers Report

Read by, Treasurer Bud Krause was approved as read.

154 Members have paid their dues for 2018.

Old Business

We voted to have the July 11^th Picnic or in this case the July Party at the American Legion next door. Admission will remain the same at $8 per member and guest.

We suspended our meeting temporarily due to a fire alarm in the building which was cleared in a few minutes.

New Business

It was decided to invite Thomas Stanley, who is on the board at PERA to speak at the July 11^th Party. Pat Alexander will send him an invitation.

Dick Smith will invite Mary Murphy to speak at June meeting.

Good and Welfare

The $5 door prizes winners were Walt Peterson and Julien Berntson.

The meeting was adjourned at 12:38pm.

Respectfully Submitted,

Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

02/14/2018

MINUTES OF THE REGULAR MEETING OF APERG FOR JANUARY 10^th2018

The meeting was called to order by President Pat Alexander at 12 noon.

Officers present were President Pat Alexander, Vice President Mike Switzer, Secretary Dick Smith, Treasurer Bud Krause, Trustees Fred Crandall and Jerry Veillet.

November 8th 2017 Minutes

Read by, Secretary Dick Smith were approved as read.

Treasurers Report

Read by, Treasurer Bud Krause were approved as read.

There were 149 paid members as of January 1st.

Old Business

Bud Krause said that 72 members had signed up for the Christmas Party and that 60 attended.

New Business

Jerry Veillet made a motion that we look into an indoor location for the July party instead of risking bad weather, bugs and satellite toilets at the city parks. We decided to check into using the American Legion next door. We will vote on Jerry’s suggestion next month.

Dick Smith reported on the proposed legislative pension bill. The chance of any COLA increase over 1.5% is unlikely in our lifetime. A major problem is that in the PERA General Retiree Plan there is only 1.5 persons working for every retiree and in the Police/Fire Plan, it is almost 1 for 1. Dick said that in his opinion, there is not enough money coming in to sustain the two retirement plans over the long run and provide for COLA increases at the same time.

Good and Welfare

Dawn Hulmer age 64 passed away on November 25^th. She was not a member of APERG, but she represented our interests for many years on the PERA board and spoke at some of our meetings. She retired from the City Treasurers Office in 2016.

The $5 door prizes winners were Walt Peterson and Russ Anderson.

The meeting was adjourned at 12:31pm.

Respectfully Submitted,

Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

01/10/2018

MINUTES OF THE REGULAR MEETING OF APERG FOR NOVEMBER 8th, 2017

The meeting was called to order by President Pat Alexander at 12:30 p.m.

Officers present were President Pat Alexander, Secretary Dick Smith, Treasurer Bud Krause, Trustees Fred Crandall and Frank Carle.

October 11th 2017 Minutes

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Treasurer Bud Krause approved as read.

104 members have paid for their 2018 memberships and 10 members have paid for the Christmas party so far.

Correspondence

PERA is proposing a 1.5% cap on a COLA increase for the 2018 pension bill. As you may recall the 2017 bill was vetoed by the governor.

The City sent us an email thanking our group for participating in the Annual City of Duluth Health Fair.

Election of Officers

No additional nominations for officers were received from the floor and so the current slate of officers were elected for the 2018 term.

Good and Welfare

Frank Carle gave us a report on his recent treatment for cancer. He decided to go to the Mayo Clinic after being seen locally. He reported that he is clean of cancer at this time.

Spouse of Eugene Niemi, Helen Helmi Niemi, 91, of Duluth, passed away on October 31st.

The $5 door prizes winners were Julien Berntson and Mary Stepanek

The meeting was adjourned at 1:04pm.

Respectfully Submitted,

Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

11/08/2017

MINUTES OF THE REGULAR MEETING OF APERG FOR OCTOBER 11th, 2017

The meeting was called to order by President Pat Alexander at 12:30 p.m.

Officers present were President Pat Alexander, Vice President Mike Switzer, Secretary Dick Smith, Treasurer Bud Krause, Trustees Fred Crandall and Jerry Veillet.

September 13^th 2017 Minutes

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Treasurer Bud Krause approved as read. There are 171 paid members for 2017 and 21 members have paid for 2018.

Correspondence

Dick Smith read a response from the Minnesota Public Employee Retirees Association to the very negative Bloomberg article that was published in the St. Paul Pioneer Press. PERA said that the article was using funding data from all retiree plans and did not figure in the proposed recent funding changes in the PERA plan.

Nomination of Officers

All of the current officers were nominated and plan to stand for the Election of Officers at the next November meeting. Nominations for officers will also occur at the November meeting.

APERG Health Fair Booth

Dick Smith brought examples of a banner to display and business cards that we plan to hand out at the fair. We had a long discussion on the wording on the banner and the cards.

We passed motions to order the banner and business cards, purchase granola treats to hand out and a gift card to donate for a drawing.

New Business

Dick made a report on the City LMC Insurance meeting he attended. It was discussed that a hip or knee replacement in Duluth far exceeds the cost of the same procedure in the Twin Cities Metro Area. It is not clear why that is, other than there is more competition between the many providers in the Twin Cites versus the few providers in Duluth.

Pat Alexander has a 2018 membership letter ready for mailing that announces the Nominations and Election of Officers at the November Meeting. The upcoming health fair and the annual Christmas Party will also be promoted in the letter.

Good and Welfare

The $5 door prizes winners were Dave Mattson and Fred Crandall.

The meeting was adjourned at 1:31pm.

Respectfully Submitted,

Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

10/11/2017

MINUTES OF THE REGULAR MEETING OF APERG FOR SEPTEMBER 13th, 2017

The meeting was called to order by President Pat Alexander at 12:30 p.m.

Officers present were President Pat Alexander, Vice President Mike Switzer, Secretary Dick Smith, Treasurer Bud Krause, Trustees Fred Crandall and Jerry Veillet.

May 10^th 2017 Minutes

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Treasurer Bud Krause approved as read.

There are 171 paid members for 2017

There were 46 people at the July picnic, which had been moved to the First United Methodist Church due to cold and rainy weather.

Correspondence

Pat Alexander read a newspaper article from the St. Paul Pioneer Press about a public pension funding crisis (their words). They are saying that the State pension funds are in trouble and are severely underfunded.

We decided once again to join PEPSA which is a group that lobbies the State pension plans as an advocate for the retirees in the plans.

Old Business

Dick Smith gave a report on the August 15^th. City of Duluth Insurance meeting he attended. One of the topics brought up by CBIZ, our insurance consultant was that the prices charged to the insurance fund by the various pharmacies for tier one medications varied quite a lot. Since the insured paid nothing for the tier one medication, there is no incentive to search for a lower cost pharmacy. No solution was offered to incentivize the insured to find a lower price.

After the insurance meeting, Dick talked to Angel Hohenstein the City Wellness Coordinator about our group having a booth at the Bridge to Wellness Health Fair on November 1^st. The booth is free and the only requirement is that we have a person there in the booth during the hours of 8 am to 3 pm that the health fair is open. She sent me an application to bring to this meeting and fill out if we intend to participate. Last year 1900 invitations were sent out and around 700 people attended.

New Business

Dick Smith suggested that we consider moving our meeting time back 30 minutes to 12 noon in 2018. Most of us lately have been coming to have lunch at Evergreen from 11:30 to 12:00 and then waiting afterwards for half an hour for the meeting to start at 12:30. By not making a change until January 2018, we can change the start time in our 2018 membership cards and notify everyone in the membership and Holiday Party letter we will mail out soon.

We voted and approved the 12 noon meeting time for 2018.

We discussed the chance to have a booth at the health fair and voted to go ahead and apply for a booth. We formed a health fair booth committee of 8 members. Jan, Pat, Sharon, Bud, Dick, Andy, Fred and Dave. We plan to meet soon to work out all the details.

We voted to set an amount to fund booth give-a-ways and a door prize donation.

Good and Welfare

Gary Waller retiree from the Duluth Police Department and former St. Louis County Sheriff passed away on August 15^th.

Dale Mellesmoen retiree from the City of Duluth Public Works Department passed away on August 27^th.

The $5 door prizes winners were Fred Crandall and Jan Laine.

The meeting was adjourned at 1:42 pm

Respectfully Submitted,

Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

09/13/2017

MINUTES OF THE REGULAR MEETING OF APERG FOR MAY 10th, 2017

The meeting was called to order by President Pat Alexander at 12:30 p.m.

Officers present were President Pat Alexander, Vice President Mike Switzer, Secretary Dick Smith, Treasurer Bud Krause, Trustees Frank Carle and Fred Crandall.

April 12^th 2017 Minutes

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Treasurer Bud Krause approved as read.

Old Business

There was discussion again as to the future of APERG and how to handle finances if we should decide to disband at some future and hopefully distant date.

We have some ideas as to how to recruit new members that we have not tried yet such as a mailing by PERA on our behalf to all City and County retirees informing them of our group. This is expensive, but may be our best option.

New Business

We will be giving up our June meeting space to #8 Fire Hall as they will be remodeling in their part of the building and will need the additional space. We decided to not have a June meeting this year. Our July 12^th picnic at Lester Park will go on as planned. We will notify members with the picnic solicitation mailing about the cancellation of the June meeting.

Dick smith gave a report from the Insurance Labor Management meeting he attended. A representative of CBIZ Benefits and Insurance Services made a presentation to our group. They act as a consultant to the City. They had charts showing how insurance cost savings can be obtained by encouraging the living of a healthier lifestyle. Such as smoking cessation, more exercise, less alcohol use and heathier eating habits. The City has in the past offered a $75 gift card as an incentive to employees and retirees who submit to a health risk appraisal as there are some who are not aware of their health risks. Only about 20% of eligible people chose to participate in 2016. I suggested to the group that the appraisal be opened up to include all insurance covered dependents, not just the active and retired members.

Good and Welfare

The $5 door prizes winners were Dave Mattson and Fred Crandall.

The meeting was adjourned at 1:13pm.

Respectfully Submitted,

Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

05/10/2017

MINUTES OF THE REGULAR MEETING OF APERG FOR APRIL 12th, 2017

The meeting was called to order by President Pat Alexander at 12:30 p.m.

Officers present were President Pat Alexander, Vice President Mike Switzer, Secretary Dick Smith, Treasurer Bud Krause, Trustees Frank Carle, Fred Crandall and Jerry Veillet.

March 8^th 2017 Minutes

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Treasurer Bud Krause approved as read.

Paid membership stands at 167 with 16 gifts.

Old Business

Leroy Hendrickson will be our caterer once again for the upcoming July 12^th picnic at Lester Park. We will do a mailing to the membership promoting the picnic in the near future.

We voted to maintain the cost of attending the picnic at $8 per person.

New Business

Dick Smith gave a report on the City of Duluth Labor Management Committee meeting at City Hall .

There was some discussion afterwards at our meeting as to member’s experiences at the local medical facilities.

Good and Welfare

The $5 door prizes winners were Andy Smigiel and Russ Anderson

The meeting was adjourned at 1:03 pm.

Respectfully Submitted,

Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

04/12/2017

MINUTES OF THE REGULAR MEETING OF APERG FOR MARCH 8th, 2017

The meeting was called to order by Secretary Dick Smith at 12:30 p.m.

Officers present were Vice President Mike Switzer, Secretary Dick Smith, Trustees Frank Carle, Fred Crandall and Jerry Veillet.

President Pat Alexander is home with the flu and Treasurer Bud Krause is on vacation.

February 8^th 2017 Minutes

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Secretary Dick Smith approved as read.

There were 2 February memberships bringing our total membership to 165.

Old Business

Dick Smith read an article from the PERA News explaining why they had reported that fiscal 2016 investment returns were low compared to current market conditions. The reason is that the fiscal 2016 year ended last June 30^th and not last December 31^st which was after the market rally. He also read an alert from the Duluth Police Department regarding a rash of vehicle thefts in Duluth and how vehicle owners can prevent this from happening to themselves.

New Business

Dick reported on the February 21^st LMC Insurance meeting at City Hall and said that they discussed getting more retiree involvement in City wellness programs in the future.

There was some discussion about credit card transaction fraud and that a couple members or their spouses have had fraudulent transactions placed on their credit cards after visiting a restaurant and giving their card to the server to take to the cash register. An employee evidently was writing down the credit card numbers for use at an online store later or to sell online after the customer had left. We decided the best safeguard is to take your card to the register yourself or to pay cash.

Good and Welfare

The $5 door prizes winners were Russ Anderson and Dave Mattson.

The meeting was adjourned at 1:05pm

Respectfully Submitted,

Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

03/08/2017

MINUTES OF THE REGULAR MEETING OF APERG FOR FEBRUARY 8th, 2017

The meeting was called to order by President Pat Alexander at 12:30 p.m.

Officers present were President Pat Alexander, Vice President Mike Switzer, Secretary Dick Smith, Treasurer Bud Krause and Trustees Frank Carle and Fred Crandall.

January 11^th 2017 Minutes

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Treasurer Bud Krause approved as read.

There were 11 January membership renewals bringing our total membership to 163.

Old Business

There was the usual discussion about medical billing and how you will sometimes get bills from several different medical associations or providers for the same doctor or hospital visit and how important it is to scrutinize the bills that you receive for errors. A younger family member may be of help in some situations.

New Business

Several members have had computer and phone hack attempts lately. We need to be vigilant with high tech to avoid becoming a victim of fraud.

Good and Welfare

The $5 door prizes winners were Andy Smigiel and Fred Crandall.

The meeting was adjourned at 1:10pm

Respectfully Submitted,

Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

02/08/2017

MINUTES OF THE REGULAR MEETING OF APERG FOR JANUARY 11th, 2017

The meeting was called to order by President Pat Alexander at 12:30 p.m.

Officers present were President Pat Alexander, Vice President Mike Switzer, Secretary Dick Smith, Treasurer Bud Krause and Trustees Frank Carle, Fred Crandall and Jerry Veillet.

November 9th, 2016 Minutes

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Secretary Bud Krause approved as read.

69 people signed up for the Christmas Party and 59 attended.

There were 10 $10 door prizes awarded, the winners were:

Frank Carle, Pat Carle, Jerry Veillet, Pat Turchi, Carol Griak, Richard Gillen,

Bev Tulgren, Howard Tulgren, Mike Switzer and Dorothy Bohlmann.

As of yearend, there were 152 paid memberships.

Old Business

Frank Carle mentioned that the cost of his diabetic test strips keeps increasing. We suggested that he call around to the various pharmacies and compare prices. Since they are an over the counter item, the prices will vary.

New Business

We decided to once again have this year’s Christmas party at the American Legion Post next door to our meeting location.

Good and Welfare

Wes Berntson is a new member of our group.

The $5 door prizes winners were Jerry Veillet and Fred Crandall.

The meeting was adjourned at 1:04pm

Respectfully Submitted,

Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

01/11/2017

MINUTES OF THE REGULAR MEETING OF APERG FOR NOVEMBER 9th, 2016

The meeting was called to order by President Pat Alexander at 12:30 p.m.

Officers present were President Pat Alexander, Vice-President Mike Switzer, Secretary Dick Smith, Treasurer Bud Krause, and Trustees Fred Crandall, Frank Carle and Jerry Veillet.

October 12th, 2016 Minutes

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by Treasurer Bud Krause, approved as read.

Old Business

Election of Officers and Nominations

Pat Alexander for President

Mike Switzer for Vice-President

Dick Smith for Secretary

Bud Krause for Treasurer

Jerry Veillet for Trustee

All nominees for office were unopposed and so were elected unanimously by white ballot.

New Business

There was a lot of discussion about medical billing and medical insurance. City retirees with billing questions should contact the issuer of the medical bill first and then Health Partners if they still have questions. Employee Benefits at Human Resources may be of help also.

There was also was some discussion about the Cadillac Plan Tax provision of the Affordable Care Act for retirees who are under age 65 and not yet on Medicare.

Good and Welfare

The $5 door prizes winners were Mike Switzer and Dale Mellesmoen.

The meeting was adjourned at 1:17pm

Respectfully Submitted,

Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

11/09/2016

MINUTES OF THE REGULAR MEETING OF APERG FOR OCTOBER 12th, 2016

The meeting was called to order by President Pat Alexander at 12:30 p.m.

Officers present were President Pat Alexander, Vice-President Mike Switzer, Secretary Dick Smith, Treasurer Bud Krause, and Trustees Fred Crandall and Jerry Veillet.

September 14th, 2016 Minutes

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by Treasurer Bud Krause, approved as read.

Old Business

Dick Smith reminded everyone of the City of Duluth Health Fair at the DECC on November 2^nd and to call City of Duluth HR or sign up online for the Biometric Screening to earn a $75 gift card from Health Partners.

We received our picnic permit for Lester Park for next July 12^th.

New Business

Membership cards for 2017 have been printed and will be mailed out soon along with a letter announcing the next meeting’s vote for the slate of officers for 2017 along with notice of the Christmas party on December 14^th at 12:00pm at the American Legion Post which is right next door.

Nominations for the Election of Officers

Jerry Veillet was nominated for Trustee for the next 3 years along with Pat Alexander for President, Mike Switzer for Vice-President, Dick Smith for Secretary and Bud Krause for Treasurer. Further nominations and voting to occur at the November 9^th meeting.

Good and Welfare

The $5 door prizes winners were Pat Heaslip and Fred Crandall.

The meeting was adjourned at 12:56pm

Respectfully Submitted,

Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

10/12/2016

MINUTES OF THE REGULAR MEETING OF APERG FOR SEPTEMBER 14th, 2016

The meeting was called to order by President Pat Alexander at 12:30 p.m.

Officers present were President Pat Alexander, Vice-President Mike Switzer, Secretary Dick Smith, Treasurer Bud Krause, and Trustee Fred Crandall.

June 8th, 2016 Minutes

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by Treasurer Bud Krause, approved as read.

Old Business

50 people had attended the July picnic at Lester Park.

New Business

We voted to have the July picnic at Lester Park again next year.

Fred Crandall mentioned that property values have gone up considerably due to re-appraisals and zoning changes in St. Louis County and that our property taxes will increase as a result of this. Dick Smith said that he was told by his appraiser that the State of Minnesota had mandated that all the various taxing authorities update their records and re-appraise the property values in their districts.
Bud Krause suggested that we send a letter to the Senior Federation asking them to oppose the property tax increases imposed on retirees and seniors on fixed income.

A motion was made and approved that the President send a letter.

Good and Welfare

The $5 door prizes winners were Pat Heaslip and Jack Sojaka.

The meeting was adjourned at 1:04pm.

Respectfully Submitted,

Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

9/14/2016

MINUTES OF THE REGULAR MEETING OF APERG FOR JUNE 8th, 2016

The meeting was called to order by President Pat Alexander at 1:30 p.m.

Our meeting was suspended, so we could hear from State Representative Mary Murphy.

Mary said that in all her 40 years at the legislature, she has never seen a session such as 2016. Committees met as usual, but there was no urgency in getting anything accomplished. Funding decisions for shovel ready projects were put off until the last week of the session. The 2016 Bonding Bill was passed by the House at 11:40pm on the last day of voting even though House Members did not have a paper copy of it. The Senate amended the bill by adding more transportation funding at 11:45 pm and adjourned without passing it back to the House for approval. So the Bonding Bill was not passed on to the governor. The Tax Bill was passed by both Houses but was vetoed by the governor as there was an “and” that had been changed to an “or” that would could have cost the State coffers $100 million dollars instead of using gambling proceeds to pay for metro stadium costs, if the Tax Bill had been approved as it was now written. By pushing these bills to the very end of the session, people whose job it is to proof read these bills did not have sufficient time to get the job done.

In summation the 2016 legislature had not accomplished very much. There are plans for a special legislative session in the future.

We thanked Mary for her presentation.

We resumed our meeting:

Officers present were President Pat Alexander, Secretary Dick Smith, Treasurer Bud Krause, Trustees Frank Carle and Jerry Veillet.

May 11th, 2016 Minutes

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by Treasurer Bud Krause, approved as read.

As of today 191 members have paid their dues for 2016.

Old Business

23 people have signed up for the APERG Picnic at Lester Park in July.

This is our last meeting at Trinity Lodge, our next meeting in September will be at the Evergreen Senior Center.

Good and Welfare

The $5 door prizes winners were Rollie Royer and Dale Mellesmoen.

The meeting was adjourned at 2:14pm.

Respectfully Submitted,

Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

06/08/2016

MINUTES OF THE REGULAR MEETING OF APERG FOR MAY 11th, 2016

The meeting was called to order by President Pat Alexander at 1:30 p.m.

Officers present were President Pat Alexander, Secretary Dick Smith, Treasurer Bud Krause, Vice President Mike Switzer, Trustees Fred Crandall, Frank Carle and Jerry Veillet.

April 13th, 2016 Minutes

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by Treasurer Bud Krause, approved as read.

There were 2 new memberships in March and April bringing the total to 190.

Old Business

The executive committee went to Evergreen Senior Center to see the facility and try out the noon meal.

A motion was seconded and approved to pay the $24 for the meal expense of the committee.

New Business

A motion was seconded and approved to pay the annual $30 dues to the Senior Coalition for our group’s membership for the coming year.

The executive committee gave a report on their visit to the Evergreen Senior Center. They liked the brightness, newness and cleanliness of the facility and found that the meal was quite adequate for lunch. The meeting room rental is $20 and would be free if 5 meals are purchased for $20. Meals need to be reserved by calling in a day in advance of the meeting. Lunch is served at 11:30 and the room is available all afternoon.

A motion was seconded and approved to move our meeting location starting in September the 14^th. to the Evergreen Senior Center with the meeting time moved up to 12:30pm.

Pat Alexander will compose a letter to be mailed out the membership as to the new meeting location and time change for next fall along with notification of the July picnic in Lester Park.

A motion was seconded and approved for Pat Alexander to send a letter to Trinity Masonic Lodge to notify them that we will no longer be using their facility after the June meeting.

Frank Carle had a question as to why his diabetic test strips went up in price from $90 to $120. Dick Smith said that prices can be changed at any time and that Frank should call Health Partners and see if he could get them cheaper from the online pharmacy instead of locally.

Good and Welfare

Paul Modeen’s wife Patricia age 68 passed on April 30^th

The $5 door prizes winners were Lynn Korhonen and Julien Berntson.

The meeting was adjourned at 2:13pm.

Respectfully Submitted,

Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

5/11/2016

MINUTES OF THE REGULAR MEETING OF APERG FOR APRIL 13th, 2016

The meeting was called to order by President Pat Alexander at 1:30 p.m.

Officers present were President Pat Alexander, Secretary Dick Smith, Treasurer Bud Krause, Trustees Fred Crandall and Jerry Veillet.

March 9th, 2016 Minutes

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by Treasurer Bud Krause, approved as read.

Old Business

Pat and Sharon Alexander checked out the Lester Park picnic location and thought that it would work out fine. The picnic shelter is a little smaller than Chambers Grove but large enough for our group.

Pat said that our caterer that we had for the last Christmas party is available to do our July picnic for a minimum of 30 people instead of 50 that the caterer for last years canceled picnic required.

We discussed the menu for the July picnic and decided on hamburgers and brats as we have had on the menu at previous picnics.

We voted to look into going to the American Legion for the Christmas party as our caterer from the American Club now works out of the Legion Club.

Bud Krause said that we could have our monthly meetings at the Evergreen Senior Center for $20 per month or for free if members eat there.

We voted to have the executive committee meet at Evergreen for lunch at 11:15 on May 11^th to check out that location as a possible meeting site and report back to our 1:30 meeting that same day at Trinity Lodge.

Dick Smith read a report to the group from the National Institute of Retirement Security as to Women more likely to be impoverished during retirement then men as they are more likely to have had lower pay during their working life and have worked less years due to child rearing and so have less money set aside in retirement accounts.

Good and Welfare

The $5 door prizes winners were Marion Braff and Lynn Korhonen.

The meeting was adjourned at 2:10pm.

Respectfully Submitted,

Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

4/13/2016

MINUTES OF THE REGULAR MEETING OF APERG FOR MARCH 9th, 2016

The meeting was called to order by President Pat Alexander at 1:30 p.m.

Officers present were President Pat Alexander, Vice President Mike Switzer, Secretary Dick Smith, Treasurer Bud Krause, Trustees Fred Crandall, Frank Carle and Jerry Veillet.

February 10th, 2016 Minutes

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by Treasurer Bud Krause, approved as read.

As of February 29^th. 188 members have paid their dues for 2016.

Old Business

In searching for a new July picnic location, Chester Park was suggested. Dick Smith was notified by the parks office that Chester Park does not have a picnic shelter.

Minnesota PERA now has a new Executive Director. Doug Anderson has replaced Mary Most-Vanek. Previously, Doug Anderson has worked for 28 years as an actuary for PERA.

Dick Smith brought along some charts from the PERA website that showed that with the new financial assumption of an annual 8% gain that the PERA General Fund is considered only 77% funded while MSRS is 84% funded.

Some pension statistics. Average monthly pensions, PERA $1100, MSRS $1600 and TRA is 2200. Most TRA participants do not receive Social Security payments.

Dick Smith reported on the February meeting of the City’s LMC (labor management committee). Dental insurance payments are up, but nothing of major concern.

Committees

There was discussion again as to changing our meeting location and we have decided that if there is a change that our first meeting in September be at the new location. We will have a mailing prior to September if we change sites.

We voted for Lester Park as the location for the July picnic. Dick Smith will contact the City Parks and Rec for a reservation.

We are considering a new caterer for both the picnic and the holiday party as the current caterer seems to be closing his business.

Good and Welfare

The $5 door prizes winners were Mike Switzer and Jerry Veillet.

The meeting was adjourned at 2:00pm.

Respectfully Submitted,

Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

03/09/2016

MINUTES OF THE REGULAR MEETING OF APERG FEBRUARY 10th, 2016

The meeting was called to order by President Pat Alexander at 1:27 p.m.

Officers present were President Pat Alexander, Vice President Mike Switzer, Secretary Dick Smith and Trustees, Frank Carle and Jerry Veillet. Treasurer Bud Krause was absent.

January 13th, 2016 Minutes

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by, Secretary Dick Smith approved as read.

As of January 31^st, 186 members have paid their dues for 2016.

Old Business

The Minnesota PERA board has decided to put off until next year any request to the Minnesota Legislature for an increase in employer/employee payments into the PERA retirement funds and the date that the plan is to be considered fully funded due to an increase in the longevity of recipients.

Due to ongoing flood damage repair at Chambers Grove Park, we are not able to have our July picnic there. I checked with the Parks office and they suggested going to Lester Park. They have a pavilion similar to Chambers Grove. I was told a $50 reservation would be needed to guarantee Lester Park.

Jerry Veillet asked about use of the pavilion at the Lake Superior Zoo. Dick Smith said that they charge $200 for 2 hours and are independent from City Parks.

Several other locations were suggested, and we decided to put off a decision until later.

New Business

There was some discussion as to moving our meetings to a new location.

Good and Welfare

The $5 door prizes winners were Jerry Veillet and Mike Switzer.

The meeting was adjourned at 1:57 pm.

Respectfully Submitted,

Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

02/10/2016

MINUTES OF THE REGULAR MEETING OF APERG JANUARY 13th, 2016

The meeting was called to order by President Pat Alexander at 1:30 p.m.

     Officers present were President Pat Alexander, Vice Present Treasurer Mike
Switzer, Bud Krause, Secretary Dick Smith and Trustees, Frank Carle and
Jerry Veillet.

November 11th, 2015 Minutes

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by Treasurer Bud Krause, approved as read.

As of the end of 2015, 180 members have paid their dues for 2016.

Old Business

56 people had signed up for the Christmas party and 50 attended.

New Business

     Mike Switzer gave a report on the City’s change in Cobra providers from TASC
to Eide Bailly which has been renamed to 121 Benefits. Mike had both TASC
and 121 take out money from his account in January and he asked TASC to
return what they took out as they are no longer the provider.

    Dick Smith said that he volunteered to take over for Marty Mehling as the
retiree representative at the City of Duluth Health Insurance Sub-Committee.
He plans to attend the meeting next week.

     Some retirees not on Medicare have discovered that when they went to the
pharmacy, that they needed to bring their Health Partners membership card.
They no longer are members of Clearscript which ended at the end of 2015.

     There were several questions on the $25 Silver and Fit health club
memberships as to what health clubs were available and how to join.

Good and Welfare

The $5 door prizes winners were Walt Peterson and Mike Switzer.

The meeting was adjourned at 1:55 pm.

Respectfully Submitted,

Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

01/13/2016

MINUTES OF THE REGULAR MEETING OF APERG NOVEMBER 11th, 2015

The meeting was called to order by President Pat Alexander at 1:30 p.m.

Officers present were President Pat Alexander, Treasurer Bud Krause, Secretary Dick Smith and Trustees, Frank Carle and Jerry Veillet.

October 14th, 2015 Minutes

Read by, Secretary Dick Smith approved as read.

Treasurers Report

Read by Treasurer Bud Krause, approved as read.

There are 90 paid 2016 memberships with 9 gift donations to date.

20 members have signed up and paid for the Christmas party.

Election of Officers and Nominations

Pat Alexander for President

Mike Switzer for Vice-President

Dick Smith for Secretary

Bud Krause for Treasurer

Fred Crandall for Trustee

All nominees for office were unopposed and so were elected unanimously by white ballot.

Old Business

Reporting on the City of Duluth Health Fair:

Bud Krause was at the 8:30am meeting. He said that Health Partners is offering a discounted service where for $9 you can call by phone 24/7 to a healthcare professional and get help with medical issues and possibly a drug prescription sent to a pharmacy.

Dick Smith was at the noon meeting. He said that they went over the meanings of terms used in “Explanation of Benefits or EOBs” that we all get in the mail.

Also:

Retirees who live outside Minnesota or Western Wisconsin are not eligible to apply for the $25 Silver and Fit annual health club membership as they are in a National Health Partners plan which does not participate.

Anyone on the ClearScript drug plan such as active employees or retirees and dependents of retirees under 65 are being moved over to the Health Partners drug plan in 2016. No drug plan changes in 2016 for retirees under Medicare.

Anyone who is paying into Cobra is being moved to a new provider in 2016.

The APERG Christmas Party is December 9^th at the All American Club. Admission is $10 per person in advance.

Good and Welfare

The $5 door prizes winners were Walt Peterson and Frank Carle.

The meeting was adjourned at 1:50pm.

Respectfully Submitted,

Dick Smith, Secretary, Arrowhead Public Employees Retirement Group (APERG)

COMPUTER ARCHIVED MINUTES FROM 2009 THROUGH 2015 WILL BE MADE AVAILABLE BY REQUEST TO THE SECRETARY OF APERG.

APERG "Arrowhead Public Employee Retirees Group"