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.

 Greetings NARFE Chapter 1936 Members,

 This is a reminder that we will be having a virtual chapter meeting on Monday September 13, 2021 at 1:00 p.m. Please try to join us for our first meeting since June 2021.  I hope you have all taken time to get your COVID vaccinations.  We are planning to meet in person at Monaghan’s Pub on October 11, 2021 in their private dining room at noon.  They are located at 2121 Gwynn Oak Ave.; Baltimore, MD 21207.  I know that it is a federal holiday but it’s definitely worth celebrating that we are coming together for the first time since the global pandemic began.  Only people who can prove they’ve been vaccinated are going to be admitted to our meeting. PLEASE don’t forget to bring your original vaccination card.  No one will be admitted to our meeting without such proof.  Although I am asking you to wear a face mask, I am aware it will need to be removed in order for you to consume any food and/or beverage you order.  I assure you that we will do everything that we can to make our meeting space a SAFE environment.  I do hope you will join us online or via phone on Monday.


Bessie Johnson, Co-President NARFE Chapter 1936, provided the information that follows to assist you in joining our next NARFE Chapter 1936 Meeting on next Monday:


Join Zoom Meeting


Meeting ID: 856 1099 1274

Passcode: 289188


One tap mobile

+13017158592,,85610991274#,,,,*289188# US (Washington DC)


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        +1 301 715 8592 US (Washington DC)


Meeting ID: 856 1099 1274

Passcode: 289188

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Please note that David Hurka, our CareFirst BlueCross BlueShield FEHBP Account Manager sent me the attached Newsletter his company prepared for NARFE members. Please take time to read it.


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08.31.2021 Greetings NARFE Chapter 1936 Members,

I was looking forward to seeing many of you at our first in person chapter meeting on September 13, 2021 in the private dining room at Monaghan’s Pub. Well, I no longer think that is a good idea with the Delta variant of the COVID virus still spreading in our area. If we were meeting inside but able to wear our masks throughout our time together, I would not be as concerned since only members who can prove that they have been vaccinated are going to be allowed to attend our meetings until further notice.

We will have a virtual meeting on Zoom hosted by our co-president, Bessie Johnson, on September 13th at 1 p.m. Please check out our website to get the link to access our next Chapter 1936 Meeting.

Why don’t we all plan to share information about something interesting and/or informative you read recently that you think would be beneficial to some if not all of us. I have found several articles of interest in our own NARFE magazine or the AARP magazine. Please plan to tune in to learn something of interest that may really benefit you. I plan to share some NARFE Highlights as well as some other news about our upcoming meeting with David Hurka, our Blue Cross and Blue Shield Account Manager. He is planning to come in person to share the Office of Personnel Management’s updates and changes in our Federal Employee Health Benefits Plan effective January 2022. You will not want to miss this meeting.

Our first in person meeting has been moved to October 11, 2021 which is a federal holiday. We cannot meet on October 4, 2021 because the MD NARFE Federation is having an important meeting that Bessie and I both need to attend. Hopefully, we will get important information there to share with you. You know we have been fighting a battle with our Federation for a long while trying to get them to stop scheduling meetings on the first Monday of the month which always has a negative impact on our chapter.

Due to the pandemic, we have not completed many routine tasks that we do annually. The biggest task we failed to do was to hold an election where you can choose new people to serve in leadership roles within our chapter. We need to discuss your pleasure about this important business item at our next meeting. If you have items you want us to include on the agenda, please send Bessie and/or me an email message at or respectively. We are always glad to hear from you and try to include your ideas and suggestions in our planning for the chapter. I’m glad to report that we have a couple of eligible people who joined our chapter since our last meeting. However, we also lost a couple of members since we last met as well. This is the time of year that you can earn a few (and I mean a FEW) dollars ($10 to be exact) by inviting people you know to join NARFE. If they join our local chapter based on your personal referral, we should consider giving his/her recruiter an additional $10. NARFE is more effective in lobbying legislators on the state or federal level when we have large numbers of the constituents of elected politicians who are members of our chapter. I usually try to recruit at least 3 persons annually even if they do not participate in chapter activities or are members of another chapter. I truly believe in NARFE’s mission and believe it is only as beneficial to us as each of us is willing to help volunteer our skills and time to make it better. I know there are some talented people in our chapter who can share their gifts with us. Please consider running for office, assuming responsibility for doing a task regularly like being our newsletter editor, etc. Think about it!!!!

Thanks for taking time to read this message. I hope you are doing all the things you need to do to stay well and not be around unvaccinated people without wearing a mask. I truly hope several of you will plan to participate in our virtual meeting on Monday, September 13th at 1 p.m.

Respectfully yours,

Click here for 8-31-2021 Greetings NARFE Chapter 1936 Members.


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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.

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.