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The Ascendancy Alleged AARP Beneath its nonprofit halo, the American Affiliation of Retired Persons is a feared lobbyist and an alike added alarming marketer.

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(MONEY Magazine) – In a democracy, any accumulation that claims to represent amazing numbers claim aing scrutiny. By that standard, then, the American Affiliation of Retired Persons deserves to be one of the best anxiously monitored organizations in our society. With rolls of 30 million, AARP is the additional bigger associates accumulation in the nation. The Roman Catholic Church is still first, with 53 million, but AARP is communicable up. It will accept added 170 members, some of whom are not retired or alike seniors (anyone over 50 and his apron can join), by the time you accept accomplished account this MONEY appropriate report. Amid AARP’s growing army are about one in every bristles voters, a actuality absent on few campaigners in this acclamation year. Indeed, AARP has become in abounding minds the apache of an clamorous and all but bulletproof gray lobby. For afar from the drove of its numbers, AARP additionally draws on a acutely bottomless political war . Keeping those coffers abounding is the assignment of a tax-exempt retail ascendancy of alarming proportions. AARP Accumulation Bloom Allowance Diplomacy is the nation’s bigger of its type. AARP Pharmacy Account is the No. 2 clandestine mail-order decree outlet. Modern Maturity, AARP’s bright anniversary mouthpiece, has the accomplished boilerplate apportionment of any magazine, including TV Guide. Beneath its ambience as a nonprofit social-welfare organization, AARP lends its name to eight businesses that aftermost year generated banknote flows of about $10 billion. AARP’s net was $106 million, and ads in AARP publications added addition $34 million. Calm that produces about 60% of its absolute account of $236 million. Abounding associates accept that because of the economies of calibration AARP can accompany to an enterprise, and because of its apparently purer motives as a nonprofit organization, AARP will consistently activity agitating deals. AARP’s announcement reinforces this assumption. A archetypal business advertisement for the AARP homeowners allowance diplomacy proclaims: ”With our low ante and appropriate discounts, your accumulation could calmly ability up to 25% or more!” MONEY has put such promises to the assay by comparing AARP’s offerings with the competition. With admonition from 10 correspondents aloft the country, we additionally advised the operations and business practices of the organization. During a four-month investigation, we advised accoutrements of pages of abstracts and interviewed array of bodies who accept empiric AARP from both the central and the outside. We apparent a about affiliate and abstruse group, neither as politically advancing as it is about perceived nor as amiable as it portrays itself to members. On the one hand, it is a baronial account accumulation that enables 400,000 aged volunteers to accord their casework to their communities; at the aforementioned time, it is a well-greased business apparatus advised to advertise those volunteers and added AARP associates a array of sometimes characterless accessories and casework (see the assay alpha on folio 148). It is additionally an acutely able antechamber — and yet its associates is so burst and accidental that it lacks a specific aggregate absorption or philosophy. To accept what absolutely moves AARP, accede why associates join: for angrily low anniversary ante of $5, they get a cable to Modern Maturity and the account bi-weekly AARP Account Bulletin; they additionally automatically authorize for discounts of 5% to 25% on Hertz, Avis and Civic car rentals and cut- bulk auberge apartment from aloft chains such as Holiday Inn and Sheraton. As one recruiting attraction accurately promises, ”You can save the bulk of associates abounding times over by application aloof one of the casework AARP offers you.” This is absolutely actuating bait, but it hooks arrangement hunters, not political activists. What again does AARP absolutely angle for? Jack Ossofsky, the longtime admiral of the Civic Council on the Aging, a accumulation of some 7,000 organizations allowance the elderly, recalls aboriginal this year arduous a astral AARP agents affiliate to ascertain AARP’s ideology. The reply: ”Our credo is ‘big.’ ”

AARP STAGES A CONVENTION The best abode to faculty the consequence and acceptation of AARP is at its biennial convention. The best contempo caricature took abode aftermost May in Detroit’s Cobo Hall. Some 25,000 AARP associates came, absorbed in allotment by admiral like Ralph Nader and Dr. Ruth and concerts featuring Sarah Vaughan and Tony Bennett. Amid events, associates wandered amid 175 booths, 25 of them AARP’s, in the sprawling exhibition hall. In one busy exhibit, a date set of a Norman Rockwell-style apple alleged Hometown U.S.A., AARP volunteers explained their 15 commendable civic- absent programs, alignment from refresher courses in arresting active to chargeless tax-return preparation. A few anxiety away, beneath a miniature red, white and dejected gasbag balloon, adolescent men and women handed out brochures for the AARP bloom plan, alternate funds, and homeowners and auto insurance, as able-bodied as chargeless sample containers of absterge and vitamins, abode of the AARP mail-order pharmacy. Visitors larboard the assemblage with tote accoutrements of freebies and absorbed with an angel of AARP as a generous, careful uncle who aboveboard wishes them able-bodied — and additionally hopes that they will buy his insurance.

AARP the apostle and AARP the salesman are both durably anchored in the association’s origins. In 1958, Ethel Percy Andrus, a crusading 72-year-old retired aerial academy arch from Los Angeles, created the accumulation to ”promote independence, abode and purpose” amid the elderly. But the $50,000 berry money to barrage AARP came from Leonard Davis, a go-getting, 32-year-old Poughkeepsie, N.Y. allowance broker. At the time, best bloom insurers banned to advertise behavior to anyone over 65, but Davis assertive Continental Casualty of Chicago to booty a accident by accoutrement Andrus’ group. AARP became a way for the aged to buy bloom insurance; for Davis it was a aperture to a potentially vast, beginning market. The new affiliation accustomed anon popular. As associates swelled to 750,000 by 1963, Davis was emdened to activate his own allowance company, Colonial Penn, which replaced Continental as AARP’s insurer. A dozen years later, the rolls stood at 10 actor and Davis’ aggregation was demography in revenues of $445 million, the aggregate of it from AARP. His $50,000 flier had angry into a claimed affluence aloft $160 million. By the mid-1970s, however, added companies had started diplomacy bloom allowance for the elderly. Colonial Penn, with its comfortable apprenticed market, was no best competitive. Indeed, in 1976 a belittling Customer Letters abstraction assured that Colonial Penn’s Medicare supplement activity offered the atomic aegis of 16 examined. Worse publicity followed. In 1978, AARP accursed its controlling director, Harriet Miller, citation ”differences of activity and administration practices.” Miller again sued Colonial Penn, Davis and Davis’ attorneys for allegedly causing her dismissal. She answerable that Davis and his assembly bedeviled the AARP lath and had angry the affiliation into ”a acceptable and able cover” for adorning Davis by diplomacy cher insurance. (Shortly afore the appointed balloon in 1980, Davis and his co-defendants settled, giving Miller $480,000.) To this day, AARP leaders abjure that Colonial Penn’s allowance was a bad deal. Cyril Brickfield, Harriet Miller’s almsman as controlling director, afresh ^ told MONEY: ”The aged aren’t ignorant. If the activity hadn’t been competitive, they wouldn’t accept bought it.” Nevertheless, as bad columnist connected to arise — and associates advance began to arrest — AARP absitively to accessible up its allowance operation to bids from added companies. Prudential took over as the advocate for bloom insurance, and all of AARP’s business ally accept aback won their endorsements in a agnate accessible competition. But in ample terms, AARP continues to chase the expansionist activity of the determinative Davis era. Leonard Hansen, editor of the San Diego account service, Mature Life Features, who has followed AARP aback the aboriginal ’70s, calls it ”the slickest mass-marketing arrangement I’ve anytime seen.”

Low ante accompany diplomacy through the door, and the direct-mail maestros move in from there. AARP — which knows the names and addresses of added Americans than any added commensurable alignment in the U.S. — accounted for as abundant as 1.5% of the nonprofit third-class mail delivered aftermost year. The aggregate of admission mail is so massive that AARP has its own zip code: 20049. Some associates abode accepting three angle belletrist a ages for AARP’s bloom allowance alone. The advertise is a bit too adamantine for some. Mark Gilbert, 74, of Durham, N.C., abdicate AARP aftermost year afterwards eight years. ”They were consistently blame some bout or allowance policy,” he says. ”Every anniversary some fat packet would admission announcement something. The affirmation got to me.” The additional beachcomber in the business assault is Modern Maturity and the AARP Account Bulletin. In the best contempo Modern Maturity, AARP and its bartering ally accounted for 35% of the paid announcement pages. (AARP additionally affectedness Modern Maturity Television, a account public-affairs appearance agitated on 270 PBS channels.) Competing companies are not accustomed to buy amplitude in AARP publications, so associates never acquisition ads for any alternate funds, bloom allowance or mail-order pharmacy casework added than AARP’s own. And admitting a consumerist angled to abounding of AARP’s lobbying efforts, Modern Maturity publishing administrator Robert Wood says he cannot anamnesis anytime columnist comparison-shopping accessories that mentioned competitors. Says Wood: ”We aren’t Customer Reports.” AARP’s added aloft business advantage is its nonprofit status. This does not beggarly that AARP cannot accomplish money but rather that any balance — alleged ”excess revenues” in nonprofit accounting abracadabra — charge be spent to added the purposes of the association. AARP’s attorneys anxiously assemble anniversary business acceding to ensure that no bulk how abundant the gain to AARP, they abide tax-free. In contempo years, ample banking companies paid an boilerplate of 6.2% of their revenues in federal assets taxes; activated to AARP’s business revenues, that allotment could crop taxes of added than $9 million. Instead, AARP paid no federal assets taxes at all aftermost year. The Internal Acquirement Account about allows a tax-exempt alignment to abstain taxes on business assets as continued as the business is ”substantially related” to the group’s founding purpose. That permits AARP to accumulate a tax- chargeless 4% ”administrative allowance” for accession bloom allowance premiums and forwarding them to Prudential. Aftermost year that fee came to $67 million. The tax absolution additionally applies to whatever absorption the premiums acquire while in AARP’s control — $15 actor in 1987. In its added businesses AARP about receives a allotment of its partners’ gross revenues as royalties, which do not usually activate any taxes for tax-exempt groups. The affiliation aftermost year brought in addition $30 actor tax-free this way. (That includes a babyish bulk from the auction of 32 educational books, co-published by AARP and Scott Foresman & Co., which, like MONEY, is endemic by Time Inc.) This activity could be in jeopardy, however; a House Ways and Means subcommittee is accustomed to acclaim that the tax breach for ability assets be repealed. AARP’s nonprofit cachet qualifies its mailings for bargain postage. On average, AARP can agitate out 74% added mail for the dollar than a for-profit, bulk-rate firm. The nonprofit postal bulk is so low that the Postal Account loses an estimated $14 actor a year confined AARP, a arrears fabricated up by U.S. taxpayers. Beneath tangibly, nonprofit cachet lends AARP the ambience of a accommodating alignment with purer motives than those of its competitors. As a result, AARP tends to affect careless assurance amid its members. Paul Kerschner, AARP’s arch lobbyist from 1978 to 1983, recalls: ”The agents acclimated to antic that the easiest way to become a millionaire would be to booty out an ad in Modern Maturity saying, ‘AARP wants you to accelerate me $100.’ ” Abounding AARP officials, like AARP members, tend to accept that their affiliation holds to a college accustomed than accustomed corporations. Says aloft controlling administrator Brickfield: ”AARP enters its ((commercial)) programs abandoned afterwards chargeless that they will be of appropriate amount to % members.” But it is not consistently accessible to analyze any appropriate amount to AARP’s programs. In some cases, in fact, added able for-profit competitors activity commensurable casework at lower prices. Nevertheless, AARP is absurd to cull out of these programs. Alike if the affiliation were accommodating to abandon the assets they produce, it is still apprenticed by diplomacy with its business ally to abide alms all of its products, the characterless as able-bodied as the excellent.

WHO RUNS AARP? Two echelons of leaders administer over this sprawling empire. Day-to-day administration comes from a paid agents of 1,300 (average age: 41), headed aback January by controlling administrator Horace Deets, 50, a aloft Jesuit priest. Deets’ agents letters to the additional layer, a 15-member lath of admiral and six civic officers, all contributed AARP volunteers from aloft the country. These 21 advance leaders are about retirees who rose through AARP’s ranks, proving their adherence aboriginal as admiral in programs such as disciplinarian apprenticeship and afterwards as AARP bounded administrators. The busiest of these volunteers absorb about two weeks a ages on AARP affairs. They accomplish august appearances at political functions, and they sometimes affirm afore Congress on issues apropos to the elderly. But their capital job is accessory AARP’s annual lath affairs and sitting on the assorted committees that baby-sit its bartering enterprises, lobbying efforts and advance programs. Though not abundant by accumulated standards, AARP sees that its admiral alive well. Abode are an eight-story marble-fronted architecture on K Street in the affection of Washington’s admission mongers. There is no adorned controlling dining room, but AARP admiral adore abundant amount accounts and abundant salaries. Controlling administrator Deets earns an estimated $200,000, which is at the aerial end of the ambit for top admiral at ample Washington nonprofit groups, according to a analysis by the allowances consulting close TPF&C. In the AARP bylaws, absolute ascendancy rests with the lath of directors. In reality, the controlling administrator and paid staffers tend to alarm the shots. They, afterwards all, are added accustomed with AARP’s operations and about accept keener business training and political savvy. In contempo years, the lath was decidedly in the chains of Cyril Brickfield, the bland advocate who retired aftermost October afterwards 10 years as controlling administrator and now, at 69, is administrator of AARP’s new acclaim union. ”When Cy was in office, the controlling administrator ran the board, not the added way around,” says a a aloft insider. That all afflicted briefly beneath Brickfield’s successor, Jack Carlson, 54, an ex-fighter pilot who had ahead run the Civic Affiliation of Realtors. Carlson’s advancing appearance clashed with AARP’s genteel modus operandi, and the lath asked for — and got — Carlson’s abandonment 15 weeks afterwards hiring him. Two of the best affecting bodies at AARP are neither staffers nor volunteers, but rather the group’s arch acknowledged admiral — and Brickfield’s aloft law ally — Alfred Miller, 60, and Lloyd Singer, 59. Miller and Singer accept remained carefully associated with AARP aback 1971, aback they formed their New York City law close — now alleged Miller Singer Raives & Brandes — accurately to accommodate acknowledged admonition for AARP. In the backward ’60s, Singer was administrator of AARP’s insurer, Colonial Penn, and as accustomed admonition to AARP, the attorneys kept their old ties. From 1974 to 1978, the two attorneys abiding for Colonial Penn to pay added than $1.5 actor of the acknowledged fees AARP owed them in affiliation with the accumulation allowance program. Today, Miller and Singer are still key accommodation makers for AARP. One or the added monitors best board affairs involving AARP enterprises. They additionally about appear sessions of the controlling board answerable with hiring the controlling administrator and administering the paid staff. ”They accept the best common admission of alfresco admonition I accept anytime apparent in any affiliation of any size,” says deposed controlling administrator Carlson. They are additionally able-bodied paid: in the 12 months to mid-1986, the close billed AARP for about $1.1 million.

AARP angrily denies that the attorneys accept disproportionate power. ”They do not run the organization,” says AARP’s top advance officer, admiral Louise Crooks, 76, a aloft abecedary from West Lafayette, Ind. But Miller admits that his firm’s admonition goes aloft carefully acknowledged matters. ”AARP’s leaders appetite and account admonition on abstruse issues on which they accept no expertise,” he explains. Though alike the lawyers’ critics allege them abandoned of bushing a administration vacuum, for a advance social-welfare organization, AARP seems to await badly on admiral whose assets depends, at atomic in part, on ever- accretion associates and acquirement growth. ”The problem,” says Carlson, ”is not that the attorneys are unreasonable. It’s that they accept no countervailing force.”

HOW AARP LOBBIES On Capitol Hill, AARP’s admeasurement is both a backbone and a weakness. On the one hand, the actuality that AARP has the ear of 30 actor citizens guarantees its lobbyists admission that few added groups command. But because of the assortment of political angle of its membership, AARP lacks the aggregate confidence that gives ascendancy to added brainy lobbying groups. Says Henry Pratt, a abettor of political science at Wayne Accompaniment University and a 20-year eyewitness of the gray lobby: ”AARP overwhelmingly has clients, not followers.” A bald 4% of the associates accept aing one of the 3,900 bounded chapters. Abounding participate to do good: Millie Moe of Minneapolis, for example, organized her bounded affiliate to accomplish comfort calls to associates who are widowed. Others accommodated mainly for buffet dinners and picnics. Evelyn Springstead, AARP’s Vermont director, complains: ”One of our weaknesses is the aloofness of abounding bodies who join. They appetite the magazines and the discounts but they absolutely don’t appetite to booty on responsibilities.” As for grass-roots involvement, AARP does poll its associates periodically on ample activity positions. In 1987, for example, AARP mailed 8,700 questionnaires to a civic sample of its bounded leaders and about alleged rank-and-file members. The questionnaires requested multiple-choice answers on bristles to nine issues. By contrast, AARP’s 308-page aldermanic chiral takes abundant stands on about 75 issues. Says one aloft staffer: ”To say the aldermanic calendar is set by the associates is aloof foolish.” The absolute assignment of chargeless political priorities avalanche to a board of 40 AARP volunteers from aloft the country who accommodated with the paid agents at abode one anniversary a year. Activity positions are heavily afflicted by the agents professionals — best not old abundant to accompany AARP themselves. Top dog is John Rother, 41, an adroit political amateur recruited from the Senate Appropriate Board on Crumbling who directs efforts of 18 registered lobbyists and 103 added employees. AARP lobbyists in anniversary state, all volunteers, actuate their own bounded priorities, but these charge accede with guidelines laid bottomward by headquarters. This does not sit able-bodied with all AARP members. John Enders, 62, a retired abecedary from Seattle, was angered by AARP’s activity aftermost abatement to a proposed accompaniment law that would accept bound the admeasurement of doctors’ bills for Medicare patients. ”AARP operates from the top down,” he complains. ”The associates has no say in annihilation that happens.” AARP aldermanic leaders do adapt their authorization acutely broadly. ”Our role is to be advocates for a bigger affiliation as commendations aging,” says arch lobbyist Rother, ”and to accumulate in apperception that crumbling is not all that is activity on in our society.” This ambiguous mission translates into a position straddling the gray lobby’s political spectrum. AARP adamantly defends the abstraction of amusing allowance — that alive ancestors should be burdened to accommodate Amusing Security and Medicare for the aged — and acerb opposes any accomplishment to abate payments to affluent seniors. AARP has additionally auspiciously fought for a cardinal of customer issues such as acceptable alimony allowances for earlier admiral and acceptance administration food and drugstores to advertise nonprescription glasses. At the aforementioned time, AARP tempers its stands with an astute faculty of what is politically and fiscally feasible. For instance, AARP takes a bourgeois position on the affair of the alleged Amusing Security notch. This refers to a abstruse annihilate in the law that causes Americans built-in amid 1916 and 1921 to accept abate allowances than earlier retirees. Added active chief groups appeal that the ”notch babies” be accustomed a addition in allowances — and 60% of AARP associates in a 1987 poll agreed. But AARP opposes bushing the cleft because its lobbyists apprehend the change could bulk up to $88 billion, too affluent for Congress. To abstain behind its assorted constituency, AARP forsakes some of the best almighty levers of political clout. AARP does not endorse or argue any accurate candidate. It does not accept a political activity board — the able banking badger of advancement in the ’80s. It does not advertise ”report cards” of politicians’ voting annal on aged issues. By contrast, the feistier, 4.5 million-member Civic Council of Chief Citizens publishes politicians’ voting annal and rewards adjustable candidates with attack contributions: $200,000 abandoned in the 1988 civic elections. In 1984, AARP advised establishing a political activity committee, abandoned to reconsider. Explains one aloft AARP official complex in the discussions: ”If AARP was activity to ask bodies to accord money for a PAC, those bodies would be actual absorbed in how able-bodied their angle were represented. AARP was anxious that the breach and circumambages of associates would absolutely activate to show.” As a compromise, the accumulation absitively to actualize AARP/ Vote, an $8 million, detached voter-education project. AARP/Vote fabricated a / blatant civic admission in the Iowa and New Hampshire presidential primaries aftermost winter. At the time, AARP/Vote got abundant columnist as about 200 volunteers fabricated added than 100,000 buzz calls to accompany out aged voters. They additionally broadcast a 15-page album alleged AARP/Vote Presidential Voter’s Guide comparing AARP’s angle on eight issues with that of anniversary candidate. Yet for all the fanfare, AARP/Vote had little aftereffect on the aftereffect of the primaries. ”What banned their ability is that they are carefully nonpartisan,” addendum Paul Furiga, issues administrator for Senator Paul Simon’s Democratic presidential campaign. Ability in Washington, however, takes abounding forms, and what AARP’s antechamber lacks in accessory fervor, it makes up for in adeptness and wealth. Calm they accept becoming AARP believability and appulse on issues far aloft that of added constant brainy groups. AARP best finer combines its war and ability in its analysis arm, the Public Activity Institute. In today’s deficit-obsessed Capitol, aldermanic debates about articulation on cabalistic cost- account analyses, and the ancillary with the best believable analysis usually wins. Aldermanic agents associates bulk AARP’s abstracts as consistently amid the best actuating around. Says an a analyst at the Aldermanic Account Office: ”Like any lobbying group, they accomplish analysis assuming whatever they appetite to prove. But their methods are sound, and sometimes endemic is the abandoned abstracts in its field.” Take, for example, the agitation aftermost bounce on whether the proposed amplification of Medicare for adverse bloom advantage should additionally accommodate agreement for decree drugs, as AARP favored. No one knew how abundant this account would cost. Guesstimates ranged from $2 billion to $7 billion over bristles years. But by extrapolating sales abstracts from its own pharmacy operation, AARP embodied the lower-end estimate. The Account Appointment accustomed the numbers, which helped argue aldermanic fence-sitters that the biologic advantage was affordable. The law passed. Critics accept appropriate that AARP’s adamantine lobbying was advised partly to admonition body sales for its pharmacy. But MONEY’s assay activate little acknowledging evidence. In fact, AARP could wind up a net also-ran because the legislation ability allay sales of AARP’s Medigap bloom allowance policies, now beneath capital than afore the law was passed. AARP has masterfully wielded a aggregate of research, money and advertising to advance its top aldermanic priority: government allotment for abiding ^ nursing-home and home bloom care. Aback allotment a poll assuming ample civic abutment for the issue, AARP, calm with the clandestine Villers Foundation, has led a acknowledged $2 actor accomplishment to accomplish abiding affliction a political bandwagon. During the Iowa presidential caucuses aftermost January, AARP and Villers advance the affair into the civic spotlight by, amid added things, alms chargeless television time to candidates accommodating to abode the issue. Everyone still in the chase at that point accustomed AARP’s invitation. Both Michael Dukakis and George Bush included planks acknowledging abiding affliction in their presidential platforms. Anytime the businesslike organization, AARP additionally knows aback to stop fighting. Observes Don Carlson, authoritative abettor to Texas Representative Bill Archer, who is the baronial Republican affiliate on the House Subcommittee on Amusing Security: ”They aces their fights well.” Sometimes, as a result, AARP will aback abroad from a accident account alike if it is acerb advantaged by the elderly. For example, AARP angered some of its constituency by not acerb blame a bill alien aftermost May by Florida Democratic Congressman Claude Pepper, the 88-year-old asperse of the Amusing Security set, that would accept paid for home bloom care. Lobbyist Rother says Pepper’s bill bare ”some fixes” but denies that AARP was blood-warm in its support. ”We did a lot of apprenticeship and grass-roots acclimation that will be accessible in agnate legislation aing year,” he says. For AARP believers, the association’s attendance can abandoned grow, decidedly as the behemothic baby-boom bearing eventually moves into retirement. ”We accept added about 50% in the accomplished three years,” gloats John Denning, 76, a retired North Carolina academy administrator and aloft AARP president. ”We charge be accomplishing article right.” But in fact, AARP and the gray conclave as a accomplished may be extensive the end of their celebrity canicule — a victim of their own success at convalescent the elderly’s accustomed of living. Indeed, with the acceptable admission of some affectionate of long-term- affliction legislation during the aing Administration, the chief antechamber could ability its high-water mark. Americans over age 65 now accept 27% of the federal budget, compared with 14% in 1960. They additionally accept a lower abjection rate, added disposable assets and bigger admission to bloom affliction than the citizenry as a whole. AARP is in the abstruse position of arguing afore Congress that the aged are too poor to be burdened added on Amusing Security allowances while boasting to advertisers that the boilerplate net account of Modern Maturity readers is college than $159,000. There is a growing acumen in Washington that it is time for the nation to move on to added battles. One assurance of the new times, ironically, may accept been AARP’s better aldermanic celebration of 1988, the admission of the Medicare Adverse Aegis Act. This was the best acceptable amplification of Medicare advantage aback the diplomacy began in 1965. But for the aboriginal time, Medicare beneficiaries — instead of all taxpayers — will buck the abounding bulk of the bigger benefits. Because of this provision, AARP’s abutment for the bill led to broadcast rebellions amid AARP’s membership. C. Colburn Hardy, 78, for example, a aloft AARP accompaniment aldermanic advance in Florida, led a apostate attack to argue his state’s congressmen to vote adjoin the bill. Says Hardy: ”AARP wasn’t speaking for us and we capital to accomplish that clear.” Moreover, aback the babyish boomers do retire, they are absurd to about-face AARP into an 80 million-strong voting bloc. In fact, they may abandoned added adulterate the group’s political voice. By the year 2015, 46% of the developed citizenry will be acceptable for membership. Politicians are absurd to attention about bisected the voting citizenry as a special-interest group. Connected associates advance could additionally abate the amount of some of AARP’s appropriate deals. Afterwards all, no aggregation can admission a abatement to bisected the population; at some point, that becomes the accustomed rate. AARP could additionally acquisition that the babyish boomers ability not be the joiners their parents are. Raised in an era of banking self-reliance, babyish boomers are beneath acceptable to await on the amicableness of any alignment to attending out for them. Nor are they acceptable to adapt their amusing or political lives about chief citizenship. Says Robert Hudson, abettor of social-welfare activity at Boston University: ”The needs of the aged aren’t specialized needs anymore. They’re the needs of society.”

BOX: For the Record Who is AARP? Boilerplate age: 66 Non-elderly (ages 50 to 65): 38% Fully employed: 21% Fully retired: 54% Women: 53% Men: 47% Median domiciliary income: $22,400 Net account aloft $150,000: 39%

Percent of registered voters: about 20% Percent of New Hampshire assembly at Republican assemblage who were AARP members: 35%

Local AARP capacity in 1976: 2,500 1988: 3,900

HOW AARP HAS GROWN Afar from a aflutter aeon in the backward ’70s, AARP’s rolls accept risen rapidly anniversary year aback its founding in 1958. 1958 50,000 1968 1.6 actor 1978 11.8 actor 1988 30 actor

CHART: NOT AVAILABLE CREDIT: NO CREDIT CAPTION: Where AARP gets its money…and spends it DESCRIPTION: Allotment of assets and amount of American Affiliation of Retired Persons funds.

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