NARFE - Chapter 1936
N.W. Baltimore Metro Area, Maryland
                                             Barbara Cuffie 
               (410) 448-1824
                                           Bessie Johnson
             (301) 925-8652





1st MONDAY of EVERY MONTH at 1p.m.


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 Mailing Address:  NARFE Chapter 1936 * PO Box *

Windsor Mill, MD 21244

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Greetings NARFE Chapter 1936 Members and Friends,

I assure you that I miss our monthly meetings that would normally have started again this month. However, I miss seeing each of you who support us with your presence regularly. I even miss wondering what I will order from the menu for lunch. I hope you are all doing what you need to do to follow the medical advice of doctors to lessen the likelihood of being exposed to COVID-19. Believe me, that coronavirus is a Killer and especially seems to like ending all future plans for mature folks like most of us. I hate wearing a mask but do so 100% of the time when I have to leave home.

Bessie and I were talking and decided that we will host a Zoom Meeting monthly beginning on the first Monday in October at 1 p.m. I will forward a tentative agenda and the computer link (see below) and/or phone number you will need to use to join the meeting. Hopefully, Margaret Sherman, our webmaster and email sender will be willing to send it to each of you within the next couple of weeks. Those of you who have computers, tablets or phones will be able to join in to see and talk to each other. Those who cannot see us can call in with the phone number, meeting access codes you will need to use to participate on your phone. We have probably all gotten used to Zoom meetings, worship services, etc. by now. Bessie has even become an A+ Zoom Director/Administrator and will actually host the meeting for us. Thanks to Margaret and Bessie for making our virtual chapter meetings resumption efforts a possibility.

I’ve been in touch with David Hurka, our Blue Cross and Blue Shield FEHBP Account Manager, and he has agreed to host our November Meeting. He is making contact with other health care plan account managers and will bring us the information we need to know about Federal Employee Health Benefit Plan changes effective January 2021. Plan now to get your questions together so that you can find out what you need to know to make decisions about any plan changes you need to make during the 2020 Open Season.

I found out just last week that I will need major eye surgery on both of my eyes to try to reduce the increases in eye pressure I am experiencing due to Glaucoma. My first outpatient surgery will be September 30th and the second surgery will be on October 21st. I believe both surgeries will be successful and I also believe prayers help. I ask that we all pray for one another and that we can all get through this pandemic without incident or if infected that we will recover fully from COVID-19. Hopefully, we will all have a minute or two to share our good news as well as our concerns when we meet virtually at 1 p.m. on October 5, 2020. By meeting at 1 p.m. you will have time to finish your lunch before our meetings begin. Please mark your calendar and contact me if you have any questions about this message. My home number is 410.448.1824.

Finally, please do what you need to do to plan your VOTE in the November 3rd Election. There are scams going on where people are calling and asking the person who answers the phone to participate in surveys. After they do so they told they have won a free cruise or some large ticketed item just because… The catch is they need your credit card number to cover taxes, port costs, etc. Please don’t fall for the scam. By the same token, other scammers are trying to make folks believe they can vote via the phone. Remember, the Board of Elections folk are not calling registered voters for any legitimate reason that has to do with voting. Be careful, cautious, etc. about planning your vote. I understand that the state will be sending absentee ballot requests to all MD voters. I went online and requested that I receive an absentee ballot. If it doesn’t come in the mail, I will plan to participate in early voting. Remember this is a very important election and we all need to VOTE ONLY ONCE!! Trying to vote multiple times is a CRIME. I believe we all want a fair and safe election in November.

Because of the problems in the US Post Office, I hope you will not wait until the last minute to mail in your absentee ballot if that is the way you plan to vote. There will be announcements about Drop Boxes which will be centrally located throughout the region where you can drop in your completed ballot if you are afraid that the post office will not process your vote timely. By the way, I beg you to call your Congress person and Senator and ask them to support the US Post Office and make the Post Master General fix the problems he caused which are slowing up the mail. I’ve noticed problems getting my own mail timely. Let’s help our fellow federal workers at the post office by standing up for them. They need NARFE’s help. It would benefit them and in turn it may help NARFE recruit new members if we make it a priority.

Enjoy your Labor Day and stay safe until we meet again virtually on 10/5/2020.
Barbara Cuffie, Co-President of NARFE 


Click here for Fall NARFEMD President Roundtree Newsletter.

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NARFE NewsLine:

Major Economic Stimulus Deal Close to Finished

President's Message

A Message From NARFE President Ken Thomas

By now, you've probably realized that our April magazine cover story featuring an interview with now-former OPM Director Dale Cabaniss is out of date. When the magazine went to press three weeks ago, we had no idea just how much the world would be changing and that Cabaniss would be resigning amid an unprecedented public health crisis. As a result, so many of our immediate priorities have shifted. As I observed in my public statement at her resignation, the federal community needs leadership now more than ever. And even though our headquarters building in Alexandria, VA, remains temporarily closed due to guidance from state officials, our staff, even in its limited capacity, is hard at work keeping up the fight for the federal community. Visit and follow us on social media for updates and more details. In the meantime, thank you all for your understanding and messages of support during this time of uncertainty.  

Click here for more of NARFE NewsLine: Major Economic Stimulus Deal Close to Finished. 

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Our Meetings
Barbara Cuffie <>
Mon 3/16/2020 12:29 PM


I am cancelling all meetings of NARFE Chapter 1936 until further notice. Only one of our members who regularly attends our meetings is still an active federal employee. The rest of us are retired and should follow the advice of our governor, other government officials and doctors who recommend that we stay away from public venues. I think NARFE should cancel all meetings until the risk of harm to our members from the Coronavirus is greatly reduced. I hope and pray that we all remain safe throughout this global pandemic and national state of emergency. Barbara Cuffie

From: "ccwanzer ." <>
Sent: Mon, Mar 16, 2020 at 9:12 AM
Subject: Our meetings

Our meetings for the next 8 weeks are probably going to be affected by the CDC Recommendations as outlined below. Maybe in about 10-12 days, you should contact the Community Center and see if we could even have our meeting. The potential for us to have 50 people in the room is pretty good.

CDC Recommends Gatherings Of 50 Or More Be Postponed For Two Months To Prevent Spread Of Coronavirus

By Dino-Ray Ramos

Dino-Ray Ramos
Associate Editor/Reporter


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CDC Recommends Gatherings Of 50 Or More Be Postponed For Two Months To Prevent Spread Of Coronavirus


March 15, 2020 6:09pm

JUSTIN LANEEPA-EFEShutterstock Coronavirus

Coronavirus Stock Photo


As coronavirus precautions continue to be enacted, the Centers for Disease Control and Prevention (CDC) recommended Sunday that large events and masses gatherings of 50 people or more in the U.S. be postponed for the next eight weeks.

The statement was made on their website and is a measure to help prevent spread of COVID-19. The CDC says that this includes “conferences, festivals, parades, concerts, sporting events, weddings, and other types of assemblies.”

“Events of any size should only be continued if they can be carried out with adherence to guidelines for protecting vulnerable populations, hand hygiene, and social distancing,” the CDC said. “When feasible, organizers could modify events to be virtual.”

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UPDATE regarding HQ participation in federation conferences 

 From: Barbara Cuffie <>

Saturday, March 14, 2020 1:23 PM

Subject: Re: NARFE/MD: Update regarding HQ participation in federation conferences

I plan to cancel all NARFE Chapter 1936 Meetings until further notice. It is a prudent action to take since our member’s well Bering is the highest priority considering the substantial risk to our members good health in attending group activities at this time. I will not becoming to any federation meetings until the risk status regarding Coronavirus is much lower. Thank you for sharing the message from NARFE’s leadership.

 * * *

On Mar 13, 2020, at 7:16 PM, Patricia A. Farmer <> wrote:

To: Maryland Federation Officers, Committee Chairs and Chapter

As requested by Dr. Gary, I am forwarding to you the message
below from HQ. 

Pat Farmer
Secretary, NARFE/MD 

Subject: Update regarding HQ participation in federation conferences

Hello, Federation Presidents and National Executive Board

As you are no doubt aware, the coronavirus is creating widespread disruptions in normal business operations and daily life across all industries and coast to coast. Membership associations and NARFE’s HQ staff are no different. While no one knows for sure, the critical period for the situation is anticipated to be three months, which overlaps with the dates of almost all federation conferences.

I have been carefully assessing the information available and wanted to tell you about possible implications for your federation conferences. Several of you are already making decisions about how to proceed (cancel, postpone, reschedule, go 100 percent virtual). My hope is that this email will assist you in coming to the right decision for your federation and members.

As of right now, those federations that are moving forward with a conference in the next three months can still expect staff presentations, either virtual or in person (for those federations that chose to fund face-to-face staff participation), with the following exceptions, which will apply until further notice:

1. There is discussion at the White House and elsewhere about possibly restricting domestic travel. In that case, staff would not be able to get to you for an in-person presentation. Even if domestic travel is not restricted, I will not require staff who may be hesitant for any reason to travel to do so. From a liability perspective for NARFE, it would be ill-advised. It will be up to each staff person based on their individual circumstances.

2. Virtual presentations may be affected by a possible complete office closure. Such a closure is not anticipated at this time, but it is something we must consider, again with a goal of protecting the organization and the staff. An office closure means no one will be allowed into the building at any time, for any reason, until the office reopens. Therefore, if the office closes, staff will not have access to the facilities here for video conferencing, nor on-site tech support.

Given the fluidity of this situation, decisions regarding staff participation will be made as circumstances dictate.

The participation of non-staff HQ representatives (the National President and the National Secretary/Treasurer) is up to those individuals, but if they do decide to proceed with virtual presentations and the office is closed, they will not have access to the HQ facilities for teleconferencing, nor on-site staff support.

If the office closes, we have a communication plan in place to notify members. I want to reiterate that we’re not there yet. I would consult with NP Ken Thomas before making a decision. But the possibility exists, so I wanted to alert you.

None of this comes close to being an ideal scenario, but not much is these days. We are committed to doing our best to continue to provide service to you and your members as best we can, and essential staff will continue to work remotely if the office closes, but some impact is unavoidable.

I appreciate your patience and understanding.

If you have questions, please contact me directly.


Barb Sido, CAE
Executive Director

606 North Washington St.
Alexandria, VA 22314-1914
(703) 838-7760

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(See Notice Above) ... Our upcoming April, May and June meetings will be held on the second Monday of each of these months at Monaghan’s Pub at 2121 Gwynn Oak Ave., Baltimore, MD 21207 at noon in their private dining room.

We order or lunch from the menu and eat together before the meeting officially begins at 1 p.m. Please come out and join us for a meeting where we socialize and then share important information with you. We will have a presentation by a staff member from Securityplus Federal Credit Union telling us key information about how lenders evaluate your credit worthiness and ways to improve your credit score.

In May, 10th District Senator Delores Kelley, Chair of the Finance Committee has agreed to come to share some highlights on the 2020 MD Legislative Session. Thanks, Barbara Cuffie

NARFE/MD: REMINDER: Region II Training Academy - June 1-2, 2020

Message from Kathy Adams, Vice President Region II:

Please register for Region II Training Academy and book your rooms now. 


Attached are the documents for the Region II Training Academy scheduled for June 1-2, 2020 in York, Pennsylvania. The first file includes registration fee, hotel information and rate; cancellation policy; breakout tables; registration information and form; and agenda for the two days. Hotel reservations are now open. The second file is a separate Registration Form for your convenience. Both files are in DOC and PDF versions.  See attached documents here as well as in your emial.

Maryland Federation of NARFE Reimbursement Policy for the Region II Training Academy:

The Region II Training Academy is subject to the control of the Region II Vice President. Generally, the Maryland Federation has encouraged chapters to support the Region II training by reimbursing for registration and one night's lodging for one attendee from a chapter and not reimburse for mileage. If the chapter has one attendee, usually the Treasurer will reimburse the attendee directly. If the chapter has more than one attendee, the Treasurer writes the reimbursement check to the chapter and lets them sort it out.

Executive Committee members get reimbursed for registration and one night of lodging, but not mileage unless the President approves other expenses. If Maryland Federation members have functions/responsibilities at the Training, they should be reimbursed by Region II, not by the Maryland Federation.


Pat Farmer












Some links in which you might be interested:



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Northwest Baltimore Metro Chapter 1936 Bylaws


Article I. NAME

This chapter shall be known as the Northwest Baltimore Metro Chapter, 1936 of the National Active and Retired Federal Employees Association (NARFE). The chapter may be affiliated with the Maryland State Federation, subject to the bylaws of that body.



Section 1. The objectives of this chapter shall be to support and work toward the objectives of the National Active and Retired Federal Employees Association, as set forth in the Articles of Incorporation and the National Bylaws. In furtherance of these objectives, this chapter shall operate in unity with policies established by the Association and National Executive Board, together with such other activities looking toward the preservation of American institutions and ideals as shall be espoused by the Association.


Section 2. The chapter shall not enter into activities, arrangements or agreements that conflict with programs or activities of the Association or its bylaws.



Section 1. Any person who is a dues-paying member of NARFE National shall be eligible to join the chapter. A member who pays chapter dues is in good standing.

Section 2. The chapter may provide for nonvoting members as allowed in the National bylaws defining asso­ciate, social members, and supporting members.


Article IV. DUES

Section 1. The chapter dues are $5.00 per year and shall be used to meet expenses of carrying out chapter business and functions.


Section 2. Any chapter document relating to dues or contributions must contain this statement: “Dues payments and gifts or contributions to NARFE are not deductible as charitable contributions for federal income tax purposes.”



Section 1. Chapter officers shall be a president, a vice president (or first, second, and third vice president), a secretary and a treasurer (or secretary-treasurer if the positions are combined). The officers shall be voting members and elected at the annual meeting and may be nominated by the nominating committee or from the floor. Officers may serve for a term of one year(s) or until their successors are elected but may run no more than ten time(s) for the same office. Officers shall assume their duties on September annually.


Section 2. The chapter may by resolution require the treasurer (or the secretary-treasurer) to give bond for the faithful performance of his or her duties. The expense of obtaining a bond shall be paid from chapter funds.


Section 3. If there is a vacancy in the office of the president, the vice-president shall serve as president until the next election. If there is a vacancy in any other office, the executive committee shall fill such vacancy for the unexpired term.



Section 1. Regular meetings shall be held on the first Monday of each month, except September and January at Monaghan’s Pub located at 2121 Gwynn Oak Ave, unless a meeting is cancelled by previous chapter vote or by action of the chapter executive committee, with due and reasonable notice to members. The regular meeting in June shall be the annual meeting.


Section 2. Quorum for conducting chapter business shall consist of 15 of the chapter’s voting members, but less than a quorum may adjourn to meet on a future date, of which due notice shall be given to each voting member. If less than a quorum is present, members may run the program but may not make decisions.


Section 3. Special meetings shall be called by the chapter president when necessary.



The executive committee shall consist of the elected chapter officers (and/or other appointed officers, past officers, and committee chairs as deemed appropriate). The executive committee shall exercise such other duties as the chapter may prescribe. Quorum for an executive committee meeting shall consist of 3.


Section 1. The membership committee shall be appointed by the president. It shall be the duty of the members of this committee to develop a membership plan that describes organized efforts to gain and keep members, encourage dues withholding and contact lapsed members.


Section 2. The legislative committee shall be appointed by the president to: a) keep abreast of state and national legislative matters concerning federal civilian annuitants and prospective annuitants; and b) make recommendations for action to the chapter, the federation and the Association.


Section 3. The president may appoint a service officer, a public relations officer, a sunshine committee and such other committee chairs and committees as deemed desirable.


Section 4. The audit committee shall be appointed by the president to annually perform an audit of the financial records of the chapter.


Section 5. The president shall be an ex-officio member of all committees except the nominating and audit committees.


Section 6. Standing committees shall be those appointed to perform a continuing function. Special committees may be appointed, as the need arises, to carry out a specified task.



The provisions found in Robert’s Rules of Order Newly Revised shall govern chapter business in all matters not in conflict with the chapter bylaws, federation bylaws, or the Association’s Articles of Incorporation and National Bylaws.



Section 1. An amendment to these bylaws shall be made by concurrence of two-thirds of the voting members present and voting at any regular business meeting, provided written notice of the proposed amendment has been transmitted to all chapter voting members not less than 30 days before the meeting at which the vote is taken.


Section 2. Amendments shall be approved at National Headquarters before becoming effective.



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 Contacting Aetna Through Online Portal

With the goal of providing excellent customer care, Aetna has developed new ways for NARFE members to get personalized help. Through our new AetnaFedsLive online portal, your members can connect live with our team to get the personal help they need, when they need it. Please forward this email to the members in your Chapter or Federation to ensure they get the level of support they deserve.

With AetnaFedsLive, you have different ways to connect with us and learn about health insurance options:

  • Chat online: Ask questions about the Aetna Direct plan.  Aetna Direct is designed for federal retirees with Medicare Parts A & B and offered through the FEHB program.
  • Schedule an online appointment for personalized support: For more than a quick chat, schedule a one-on-one appointment with a team member to talk about your options. You can even handpick the person you’d like to meet with.
  • Attend live webinars: Tune in for live, interactive webinars hosted by Aetna’s federal team members. There’s one about retirement and the Aetna Direct plan.

Don’t wait, visit today to check out our resources and connect with a team member. We’re here to help you. 

Susan Allgood AetnaLive 1-877-459-6604

Susan Allgood, PLS Account Director

Susan Allgood is a former "Navy wife" who now lives with her husband in Cross Plains, TN. She loves collecting Hummel figurines and being a fun Nana to her grandchildren. Susan is known to be a good listener, and she has a passion for helping people understand their health insurance. She’s always ready to explain how you can save money with our Aetna Direct plan. Outside of work, you can find Susan riding motorcycles or vacationing anywhere that has a beach.

Schedule a one-on-one with Susan »

Health and dental benefits plans are offered, underwritten or administered by: Aetna Health Inc., Aetna Health of California Inc., and/or Aetna Life Insurance Company.

This is a brief description of the features of the Aetna plans. Before making a decision, please read the plan’s applicable federal brochure(s). All benefits are subject to the definitions, limitations and exclusions set forth in the federal brochure. Plan features and availability may vary by location and are subject to change. Provider participation may change without notice. For more information about Aetna plans, refer to

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NARFE Is Recruiting Eligible Members

NARFE Is Recruiting Eligible Members

You might be wondering who or what is NARFE and why should I care? Membership in the National Active and Retired Federal Employees (NARFE) Association is open to any person who is currently employed by the federal government or now receiving a monthly annuity based on previous employment with the federal government. Spouses, widows or widowers of such individuals are also eligible to join NARFE. If you are eligible to join NARFE, but want to know more about the organization, I encourage you to check us out via the internet at to get a better appreciation of how joining NARFE will be very beneficial to you even if you never attend one of the meetings of the local chapter, I am one of the Co-Presidents of the Northwest Baltimore Metro Chapter 1936.