Debunked!
The truth behind the Rhetoric
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2026 - Debunking Bullshit Commences
2026- June 16
31
You Can't Create the Divide and Then Blame the People Who Were Harmed by It
Michael Mulgrew says he opposes “division,” yet his own actions created one of the deepest divisions in our union’s history.
He tried to force retirees into Medicare Advantage against their will. When the courts stopped that plan, he agreed to impose copays on retirees for the first time in more than 60 years to replace the alleged “savings” that Medicare Advantage would have generated, which he promised he would give the city in his funding agreements.
Now, when retirees ask for those copays to be removed, he dismisses the request as “divisive” and an attack on active workers.
That’s the contradiction.
The division did not begin when retirees asked to restore the healthcare they earned. It began when retirees, who are not members of the bargaining unit, had no seat at the bargaining table, and no vote, were singled out to bear new healthcare costs to create a funding stream for Michael Mulgrew.
Mulgrew repeatedly argues that if the UFT refused to continue imposing retiree copays, the City would simply tell the union to “make up the money” during collective bargaining. But he never addresses the obvious question:
Why was it acceptable for retirees to make up the money instead?
He says, “Nobody likes copays.” If that’s true, why were retirees expected to absorb them without representation while active members were and are protected? Why did he think it was ok to assess them in the first place? An why demand that any change we sent to the in-house hand-picked “Health Committee” tasking them to come up with another solution in order for him to accept the retiree resolution to end them? If he, the big smart union leader negotiator couldn’t find a way to fund in-service worker raises another way, how would this committee? Mind you, this is the same committee that passed the NYCEPPO contract without ever reading it or questioning the 100 redacted pages in it.
Throughout his remarks, the discussion is framed entirely around what active employees might lose. There is almost no acknowledgment of what retirees have already lost: the first copays in over six decades, imposed on many people living on modest fixed incomes that amount to a car payment for many. We are in medical debt because of it, and this creates an obstacle for us to access the care we need. He knew that imposing this new scheme, he would win either way: a cash flow from the copays forced on us, or “savings” by retirees not going to the doctor because they can’t afford it. That is not what a good union is supposed to do.
He argues that asking to eliminate retiree copays pits retirees against active members. But imposing copays on retirees to preserve resources elsewhere did exactly that. It shifted the financial burden from one group to another, and then labeled retirees divisive when they objected.
Mulgrew is more concerned about the in-service reaction than the retirees’ reaction to his imposed copays
Mulgrew also continues to oppose legislation that would protect retiree healthcare, claiming that the City Council cannot “usurp” collective bargaining. Yet our state legislation explicitly states that nothing in the bill impairs or limits the collective bargaining rights of unions representing active employees. The UFT and AFLCIO had no problem with lobbying against them anyway. I guess this is the next generation of excuses for attacking retirees.
The bill does not interfere with bargaining over active employees’ wages or benefits. It simply protects current retirees from having their earned healthcare diminished after they have left the bargaining unit. Mulgrew is welcome to diminish the healthcare of in-service workers if they want that. We are saying, we are current retirees and have not been in unions for decades and he should not be diminishing our to fund in-service workers. PERIOD. And the in-service should not want that, because if this is allowed to happen to us, what will be done to them?
That raises an important question: if the legislation expressly preserves collective bargaining, then what exactly is being protected by opposing it?
Retirees can reasonably conclude that what is being protected is the ability to continue negotiating retiree healthcare benefits away as a source of “savings: in future labor agreements. Otherwise, why oppose a bill that safeguards retirees while leaving collective bargaining untouched?
Mulgrew also tells retirees to “be smart” and find another way to pay for eliminating copays, even suggesting ideas like taxing millionaires. But he never acknowledges that the Municipal Labor Committee, the very body that agreed to impose retiree copays, has the authority to revisit that decision. The same leadership that voted to create these copays could vote to eliminate them.
He says he wants unity because “the easiest groups to divide would be in-service versus retiree.” On that point, he is right. But unity is not achieved by asking retirees to sacrifice its earned healthcare while using its value to benefit active workers. Unity is built by treating both groups with equal dignity and equal concern. Current retirees’ vested benefits should be protected.
Retirees are not asking active workers to lose anything. They are asking not to lose what they earned over decades of public service.
The real question isn’t whether protecting retirees is divisive.
The real question is why diminishing retiree healthcare has become acceptable and why protecting it is treated as the problem.
2026- May 24
30
Debunking the UFT President Michael Mulgrew BS on Intro 1096-2025 AGAIN. On May 20th, Mulgrew once again lied about retiree legislation once again. Here, we dubunk his lies.
Mulgrew: "The issue for us is allowing a precedent to be set that an elected body can overrule our collective bargaining agreements."
TRUTH: Retirees are not covered by ANY collective bargaining agreements and do not vote on contracts. Our healthcare is provided BY LAW - Admin Code 12-126. Employee & retiree healthcare is not in ANY contract. Here are two UFT contracts word searched and highlighted for the terms: Healthcare, Health Benefits, Medicare, Retiree.
The 2027 MOA <<link - the only words that show up are "healthcare" 3 times in the same paragraph when he pushed the MLC to save $3.4 Billion in healthcare savings to the city by passing costs onto worker and retirees to partially fund his contract for active workers. Remember, retirees are NOT in unions and do not vote on ANY contracts.
And the last word to show up is "Retiree" six healthcare: 6 times in the same paragraph that describe the retiree settlement for wages from the contract for back pay earned, and the last 3 times and the last 3 times in the same paragraph which Mulgrew agreed to make it more difficult for workers to attain healthcare benefits in retirement unless employees worked for 15 years instead of 10 years like every other city worker. Today, they are still the only union with that high requirement.
The 2018 MOA << link- there are NO words found in this documents about healthcare.
Mulgrew: "It would violate the Taylor Law."
TRUTH: The NYS Taylor Law (Article 14 of the Civil Service Law) only covers EMPLOYEES, employed by an agency in an appointed title. Where is this from? The Taylor Law, See it for yourself here.
The pertinent definitions are who this law covers - are highlighted here in the law. Retirees are not mentioned in the law, we are not employees and not represented by ANY union.
Need more proof the Michael Mulgrew and the UFT, and NO Union for that matter represent retirees? Easy!
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open the union contracts above and in article 1 it says those the contract covers. It does not mention retirees.
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All workers vote to ratify contracts, retirees cannot. Mulgrew even admits that when he is asked by Retiree Sarah Shapiro, 'what bargaining unit are retirees in? Are we in the retiree bargaining unit?' He keeps saying NO! NO! NO! Here him say it here. (march 11th)
Mulgrew: "Another elected body can use that same process and take something away from us."
TRUTH: The only one who went to take something away from us was the UFT and DC37; Unions that retirees are not in. In 60 years since Medicare was born, NO ONE tried to take away our healthcare except him and then he initiated the implementation of the copays that have retirees in debt.
Retirees are not asking for anything more than they were promised and had for 60 years. And any union should be glad to have that codified in law to protect so the City can't pressure them at the table to sell it off again. The reason Mulgrew doesn't want the law to pass, is because he WANTS TO MAKE MORE MONEY OFF OUR BACK TO FUND HIS DEALS. OR he would gladly protect us from further harm.
2026- May 24
30
Debunking the UFT President Michael Mulgrew BS on Intro 1096-2025 AGAIN. On May 20th, Mulgrew once again lied about retiree legislation once again. Here, we dubunk his lies.
Mulgrew: "The issue for us is allowing a precedent to be set that an elected body can overrule our collective bargaining agreements."
TRUTH: Retirees are not covered by ANY collective bargaining agreements and do not vote on contracts. Our healthcare is provided BY LAW - Admin Code 12-126. Employee & retiree healthcare is not in ANY contract. Here are two UFT contracts word searched and highlighted for the terms: Healthcare, Health Benefits, Medicare, Retiree.
The 2027 MOA <<link - the only words that show up are "healthcare" 3 times in the same paragraph when he pushed the MLC to save $3.4 Billion in healthcare savings to the city by passing costs onto worker and retirees to partially fund his contract for active workers. Remember, retirees are NOT in unions and do not vote on ANY contracts.
And the last word to show up is "Retiree" six healthcare: 6 times in the same paragraph that describe the retiree settlement for wages from the contract for back pay earned, and the last 3 times and the last 3 times in the same paragraph which Mulgrew agreed to make it more difficult for workers to attain healthcare benefits in retirement unless employees worked for 15 years instead of 10 years like every other city worker. Today, they are still the only union with that high requirement.
The 2018 MOA << link- there are NO words found in this documents about healthcare.
Mulgrew: "It would violate the Taylor Law."
TRUTH: The NYS Taylor Law (Article 14 of the Civil Service Law) only covers EMPLOYEES, employed by an agency in an appointed title. Where is this from? The Taylor Law, See it for yourself here.
The pertinent definitions are who this law covers - are highlighted here in the law. Retirees are not mentioned in the law, we are not employees and not represented by ANY union.
Need more proof the Michael Mulgrew and the UFT, and NO Union for that matter represent retirees? Easy!
-
open the union contracts above and in article 1 it says those the contract covers. It does not mention retirees.
-
All workers vote to ratify contracts, retirees cannot. Mulgrew even admits that when he is asked by Retiree Sarah Shapiro, 'what bargaining unit are retirees in? Are we in the retiree bargaining unit?' He keeps saying NO! NO! NO! Here him say it here. (march 11th)
Mulgrew: "Another elected body can use that same process and take something away from us."
TRUTH: The only one who went to take something away from us was the UFT and DC37; Unions that retirees are not in. In 60 years since Medicare was born, NO ONE tried to take away our healthcare except him and then he initiated the implementation of the copays that have retirees in debt.
Retirees are not asking for anything more than they were promised and had for 60 years. And any union should be glad to have that codified in law to protect so the City can't pressure them at the table to sell it off again. The reason Mulgrew doesn't want the law to pass, is because he WANTS TO MAKE MORE MONEY OFF OUR BACK TO FUND HIS DEALS. OR he would gladly protect us from further harm.
2026- May 20
29
UFT President Michael Mulgrew keeps repeating a false claim about legislation designed to protect retiree healthcare.
He refuses to acknowledge a basic fact: retirees are not part of the union bargaining unit.
Yet that didn’t stop him from supporting efforts to force retirees into Medicare Advantage and impose copays — a senior healthcare tax retirees never faced in 60 years because prior labor leaders understood retirees live on fixed incomes and could not absorb new medical costs.
Why did this happen?
Because during contract negotiations for active employees, the City made clear that if the MLC approved retiree copays, nearly $50 million could be generated on retirees’ backs to help finance the deal.
And it happened.
Now they are seeking to raise those costs even further — increasing copays and the deductible from $50 to $300.
Michael Mulgrew earns roughly $500,000 a year. Most retirees live on less than $35,000.
And retirees are not in unions.
Leadership is supposed to protect the vulnerable — not use them as a funding source.
Retirees were targeted for forced Medicare Advantage enrollment, threatened with the loss of traditional Medicare protections, and pushed into an affordability crisis through healthcare costs they were promised they would never face.
The video here was
from March 11, 2026
2026- April 29
28
Mayor Zohran Mamdani said our pensions won't be impacted. Here is how it WILL impact your Wallet! And is the Mayor really talking to the unions?
2026- April
27
Mayor Zohran Mamdani & Speaker Menin Propose Re-Amoritizing the Unfunded Accrued Liability (UAL) & Pension Obligation Bonds (POBs) to fill the budget gap. Why this is not a good idea.
I have written about this several times going back to when Mayor Eric Adams tried this with the UFT & DC37 last year. Here is a substack on this year's proposal and a short video on what, why and who is pushing it.
2026
Michael Mulgrew - UFT, March 11, 2026 Delegate Assembly
At the meeting, an elementary school teacher asked why the Union was against Retirees bill Intro 1096. He falsely stated the bill is illegal and again claims it violates collective bargaining when it cannot because retirees are retired, not in unions and do not bargain. UFT Retiree even asked Mulgrew what bargaining unit retirees are in? He can't answer, because we are not in one & don't bargain or vote on contracts. He was supposed to protect retirees, instead he chose to USE them as a cash cow to pay for active worker benefits and doesn't like he was exposed. Our statement on this can be seen here, or read here. The actual debunk on video is here.
26
25
Michael Mulgrew - UFT, March 11, 2026 Delegate Assembly
At the meeting, an elementary school teacher asked why the Union was against Retirees bill Intro 1096. He falsely stated the bill is illegal and again claims it violates collective bargaining when it cannot because retirees are retired, not in unions and do not bargain. UFT Retiree even asked Mulgrew what bargaining unit retirees are in? He can't answer, because we are not in one & don't bargain or vote on contracts. He was supposed to protect retirees, instead he chose to USE them as a cash cow to pay for active worker benefits and doesn't like he was exposed. Our statement on this can be seen here, or read here. The actual debunk on video is here.
2025
24
Today Mulgrew falsely claimed retirees Medicare skyrocketed over "a half billion dollars" and that Zohran Mamdani at the UFT event said he would not do Medicare Advantage. Both are false. Watch
The documents I show can be seen
Here 2014 Headcount
Here 2023 Headcount
Here 2021 Headcount
Here 2025 Headcount
and Here 1997- 2025 Cobra Rates
23
We are improving coverage - significantly. Unlike other unions, we have bucked the downward spiral of care for our Medicare Eligible retirees.
22
On August 24th, the MLC leadership used the AFL-CIO, Central Labor Council (CLC) and the Vice Presidents of the CLC, none of whom are covered by the Taylor Law, NYC Collective bargaining or Intro 1099 if passed, in an attempt to intimidate the Council with an appearance of support of their false argument that Councilman Barron’s Intro 1099 is illegal. The truth is, it was a bully tactic with no substance.
21
Your name and Union appear as a supporter on a letter (see attached) dated August 24, 2023, from the NYC Municipal Labor Committee (MLC) opposing a proposed City Council bill, Intro 1099-2023, claiming it violates collective bargaining rights as described in the Taylor Law.
20
We have reviewed the latest deceptive letter of disinformation from the Municipal Labor Committee. We make the following statement.
19
I hope this message finds you well and that you are enjoying your summer break. I want to keep you updated on one of the biggest challenges facing our union today: healthcare.
Dear Lynne Winderbaum, Choice Isn't a Choice if you Can't Afford it. January 22, 2023
17
Martin Scheinman’s “Opinion and Award” is nothing more than his personal opinion; he doesn’t have the legal authority to “award” a victory to the City and MLC by overruling the courts’ decisions. And he certainly doesn’t have the power to end Senior Care.
16
From Lynne Winderbaum, West Coast FL UFT Retiree Chapter: This page is not a home for misinformation. (No, it’s just a page to follow the UFT like lambs to slaughter) That is easy to find on other Facebook pages. (how many documents do you have posted that offer proof of your arguments?).
15
The NYC Organization of Public Service Retirees will NEVER stop debunking the DISINFORMATION campaigns from our former unions. Below, the BOLD text is fact checked and cited.
14
Retirees Debunk the UFT 7 Lies
13
Medicare eligible retirees will have inferior options for their health care plans.
12
Threats to the future of our premium-free health benefits drove the Municipal Labor Committee (MLC) and the UFT to proactively seek ways to reduce costs while maintaining the same high quality of care while we pressure the federal government to address the national health care crisis.

10
We re-establish the same right that mu nici pal unions haveexercised for 40 years and can contin ue to negotiate high-q uality, premium-free health plans for our i n-service and retired members
09
Health care and the status of the proposed Medicare Advantage Plus program have been hot topics for a while. With the cost of drugs and hospitalizations skyrocketing since the pandemic began, the Stabilization Fund that pays for health care is $600 million in the hole – and increasing daily. Unless change is made – and made quickly – our retirees AND our active members are going to suffer
07
As I shared with you last month, we’re doing everything we can to protect the benefits you have earned and deserve for serving our city. We’ve reached a critical point in the fight for your healthcare, and now we need your help.
06
The city has dropped a bombshell that puts both GHI SeniorCare and premium-free health care in jeopardy. The city’s Office of Labor Relations has sent a letter to the head of the Municipal Labor Committee giving the unions notice of its intent to put all Medicare-eligible city retirees in a NYC Medicare Advantage plan and eliminate all other retiree health plans. To be clear, there will only be one plan for all retirees and no other options
05
The following ‘UFT FAQ for Retired Teachers Chapter Members’ has been fact checked by the NYC Organization of Public Service Retirees. Because someone needs to Fact-Check the BULLSHIT coming from 52 Broadway
04
The UFT continues to fight vigorously to protect and preserve premium-free health care for its members, both in-service and retired.
03
Why are DC 37 and the Municipal Labor Committee pushing to update Administrative Code 12-126? WHAT DC37 CLAIMS: The language update we’re requesting with this amendment specifically allows the Municipal Labor Committee (MLC) and the City of New York to collectively bargain our healthcare options.
02
The cost of healthcare has increased exponentially, more than doubling over the past 10 years in particular, during which hospital costs outpaced medical by a significant margin. While some view healthcare benefits and other forms of compensation separately, employers, including the City, have come to regard pay and benefits as a package, with consideration to the cost of each component. Stated simply, increased employer expense on healthcare negatively influences the ability to maintain quality benefits and impacts union bargaining goals to secure desired increases in wages.
01
UFT Claim: Mulgrew stated they did not borrow from the Stabilization Fund causing our current health care crisis.