Better Dental? Elections have consequences
The insurgents won the Retiree Election in the United Federation of Teachers (UFT) in June. We took office in July. This summer has been about getting set up, getting ready. Every officer, every executive board member of the Retired Teachers Chapter (RTC) ran as part of the Retiree Advocate (RA) slate. We’ve met several times, made plans for Labor Day, are working on plans for the first RTC meeting on October 22.
We also won all 300 retiree delegates to the UFT Delegate Assembly. Those delegates will start, in October, voting on policy for the entire union. And those 300 delegates, if the rumor is true, have already changed things.
Three hundred delegates is a lot. The UFT has, I don’t know, about 5000? But at any given Delegate Assembly (DA), somewhere between 400 and 1200 seem to vote. So 300 is a lot.
Of course, not everyone will attend every DA. When Unity had the 300 retiree delegates (this winner-take-all system is sick), it was hard to tell, but I think they often brought fewer than 100 retirees. So one thing we have been working on is a system to get more RTC delegates to attend DAs and participate. We’ve generated some real enthusiasm; I’m optimistic.
And if we have 200 – 250 delegates showing up – there’s the obvious question – to do what? Largely, listen to the reports, listen to the debates, make up their minds, and vote. This is a huge change. Barr takes his glasses off or puts them on, to signal Unity delegates how they must vote. Unity operates with “plants” in the assembly with scripts, and Mulgrew knows to call on them. Unity delegates read statements that were prepared for them, not their own words. That’s gross. And we (RA) are not operating like that.
But will RA or the RTC delegates bring matters before the Assembly? Of course. We were elected to change things. And looking at the issues and motions and resolutions from the last few years, several things stood out. We are angriest about Medicare, and what Unity (and Mulgrew, and the Welfare Fund) tried to do to retirees. Furious. But Mulgrew has backed down.
Aggravating, Annoying, UFT Dental Coverage
Another issue that came up easily brought together in-service and retired members: the UFT Welfare Fund’s dental coverage. Reimbursements have not increased in almost a decade. They are fairly low, even compared to other unions. My dentist won’t go “in network” because the reimbursements for cleanings, fillings, and crowns are way too low. Members find that implants aren’t covered, or are covered so minimally that they are left with big bills. Many dentists accept our plan, but then bill on top of it. Dental has UFTers annoyed…
Dental coverage costs money. But the UFT Welfare Fund has been stockpiling large amounts of cash. A decade ago they had a reserve that would not quite cover the payouts for a single year (if money ever stopped coming in, which it won’t). This year the Welfare Fund has almost three year’s reserve. That’s a lot! (2013 – $252 million; 2023 – $866 million). Also, the Welfare Fund, since 2016, has run a “surplus” of between $40 million and $100 million each year. This is not called “profit” because the Welfare Fund is “non-profit” – but you get the idea. They’ve managed to squirrel away – it’s getting near a billion dollars – and it is growing rapidly – while members are having trouble finding dentists.
Last April some Delegates brought a motion to the Delegate Assembly – it said, in essence, spend a little of that gold on improving our dental care. Unity used a procedural trick to defeat the motion – and they did stop it – but the margin was three votes. 3. One, two, three. Are you thinking what I am thinking? What difference would 300 new, independent, make-up-their-own-minds RTC delegates make? Mm-hm.
(For the April vote, see the details below, and the text of the resolution, at the bottom of this post.)
At the following two exec board meetings Welfare Fund representatives tried to justify Unity’s quashing dental improvements. Prescription drugs are costly, they said. They are holding money aside for Ozempic. They are doing a better job than the PSC (the CUNY Professional Staff Congress, that actually has better coverage than ours). When they were coherent, they were not compelling. There really was not good response
Elections have Consequences – 300 Delegates make a Difference
Clearly a dental resolution was going to be in the cards. We would have won. And we would have shown the whole Delegate Assembly that the 300 new delegates make a difference. We would have shown the whole UFT. Elections have consequences.
But Unity figured this out.
Later this month, probably at the Town Hall on September 17 or the Chapter Leader meeting September 18, UFT leaders will announce a plan to improve our Dental insurance. It will be something. It probably will not be enough.
But remember – the people bringing you these changes voted NO on improving dental in April. What happened? 300 new retiree delegates happened. Independent voices at the DA, that’s what happened. Even before the first day we show up, our presence, or rather, the rumor of our presence, is already forcing Unity’s hand. Those footsteps Mulgrew is hearing? That’s us.
Elections do have consequences. We just won a dental victory without firing a shot. I wonder what we will change next.
April 17, 2024 Motion to Improve Dental Care – Unity blocked it from the agenda:
April 2024. In hall: 47 yes, 184 no. On the phone: 432 yes, 298 no. Total 479 yes, 482 no. The motion failed.
Resolution to Raise Welfare Fund Dental Reimbursement Rates
Whereas, the UFT Welfare Fund’s dental plan reimbursement rates to dentists have not increased since 2016 and result in high out- of-pocket costs to members, and
Whereas, more dentists would participate in our plan if the reimbursement rates were higher, and
Whereas dental health is crucial to the mental and physical well being of members and their dependents of all ages, and
Whereas, based on the last 5 years of tax returns, the UFT Welfare Fund has brought in an annual average revenue of $94 million above what we spend, and maintains net assets of $800 million as of 2022, more than twice the fund’s annual expenditures, and
Whereas, since the Dental Schedule was last updated in 2016, benefits paid by the Welfare Fund has increased by only 11.6%, whereas the Welfare Fund’s investments have grown by 212%, and
Whereas UFT Welfare Fund reimbursement rates are less than other New York City municipal union welfare funds, for example PSC pays dentists more for every single dental procedure, including $341 for resin crowns, while the UFT Welfare Fund only reimburses $100 with a $150 copay, and
Whereas a recent rank-and-file initiated survey of hundreds of UFT members showed that 54% of members found it hard or extremely hard to find a participating dentist, 64% have had more than one dentist tell them they don’t participate in the plan because reimbursement rates are so low, and half of those surveyed have spent more than $1000 on dental care in the past year, therefore be it
Resolved that the UFT resume publishing the Welfare Fund annual report on our website, and make a detailed financial report on the Fund at annually to the Executive Board, and be it further
Resolved, that the Welfare Fund report to the Delegate Assembly the cost of providing members with the same level of reimbursement as provided by the PSC to its members and be it further
Resolved, that the UFT engage members with a comprehensive survey about how to use the excess revenue to improve welfare fund benefits and be it further
Resolved, that the UFT Welfare Fund raise reimbursement rates by at least 75% by the end of 2024, in a way consistent with maintaining a healthy reserve.


Thank you for doing this Jonathan & for keeping us informed. I have been extremely frustrated by the dental coverage & am thrilled the RAs are going to do something about it…what kind of timeline to getting better dental exists? It’s quite important to me!!! Thank you, again!! B
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I totally agree. Dental needs to be addressed especially for retirees. This is the time good teeth 🦷 go bad. For example, just finish a root canal. Approximately $3000.00 (w/cap) reimbursement $360.00 YIKES No more cracker Jacks for me. To to expensive:(
lastly, you are correct! Bad teeth are detrimental to a person mental and physical health.
Mea
That would be great to increase the Dental, we all are having the same experience a lot of Dentist are leaving the insurance reimbursement. Thank you for your great work.