THE EVERETT ADVOCATE – FRiDAy, MAy 2, 2025 Page 17 BEACON | FROM PAGE 16 tham); and Richard Wells (D-Milton). PARKING SPACES – Legislators are entitled to a parking space inside the Statehouse garage or at the nearby McCormack State Office Building. For 2025, the first $325 in monthly value of the space is a tax-free benefit under federal and state guidelines that apply to all public and private employees, not just state legislators. Any value of the space above this amount is treated as taxable income. The value of the parking spaces in 2025 was determined by the Division of Capital Asset Management and Maintenance to be $477 per month. Based on that figure, legislators would be taxed on the excess $152 monthly by the Internal Revenue Service and the state. HEALTH INSURANCE – Representatives are eligible to choose from 11 health insurance plans offered by the state’s Group Insurance Commission, which manages the plans for 259,929 individuals—current and retired state workers, as well as certain municipal workers and their dependents. Representatives elected on or before July 1, 2003, pay 20 percent of the total premium and the state pays 80 percent. Those elected to their first term on or after July 1, 2003 pay 25 percent while the state picks up only 75 percent. State and federal privacy regulations protect this information and it is not possible to obtain records about which plans individual legislators have purchased. The out-of-pocket monthly premiums paid by representatives for family plans range from $369.98 to $655.62 per month. For individual plans, they pay from $149.82 to $300.64 per month. LIFE INSURANCE – Representatives who purchase a health insurance policy from the state are also required to buy the state’s basic $5,000 life insurance policy. The costs for employees are based on age and whether the employee is a smoker or non-smoker. They range from 4 cents per month to $2.49 per month. The same 20/80 25/75 formula used for health insurance also applies to this life insurance. Representatives also have the option to buy additional life insurance with a value of up to eight times their salary – up to a maximum of $1.5 million. The entire premium for the optional insurance is paid by the representative. LONG-TERM DISABILITY INSURANCE AND HEALTH CARE SPENDING ACCOUNT – Representatives also have the option to open a Health Care Spending Account (HCSA) and Dependent Care Assistance Program (DCAP), and to buy longterm disability insurance. The HCSA allows representatives to set aside funds to pay for out-of-pocket health care expenses with before-tax dollars while the DCAP allows them to set aside funds to pay for certain dependent care expenses with before-tax dollars. This participation reduces their federal and state income taxes. The entire premium for long-term disability is paid by representatives. DENTAL AND VISION INSURANCE – Representatives are eligible to choose one of two dental/vision insurance plans. Current monthly employee premium costs paid by representatives for family plans range from $15.16 to $20.52, while individual plans range from $4.91 to $6.64. All representatives pay 15 percent of the premium and the state pays 85 percent. REPRESENTATIVES WHO LIVE 50 MILES FROM THE STATEHOUSE ARE NO LONGER ELIGIBLE TO PAY A REDUCED OR NO FEDERAL INCOME TAX ON THEIR LEGISLATIVE SALARY – For many years until recently, representatives who live more than 50 miles from the Statehouse were eligible for a special federal tax break. A 1981 federal law allowed them to write off a daily expense allowance when filing their federal income tax return. The complicated system determined a daily amount, ostensibly for meals, lodging and other expenses incurred in the course of their jobs, which can be deducted for every “legislative day.” Under the Massachusetts Legislature’s system and schedule, every day of the year qualifies as a legislative day. The Legislature does not formally “prorogue” (end an annual session) until the next annual session begins. This allowed representatives to take the deduction for all 365 days regardless of MORTGAGEE’S NOTICE OF SALE OF REAL ESTATE BEACON | SEE PAGE 18 whether the Legislature is actually meeting or not. Representatives did not even have to travel to the Statehouse to qualify for the daily deduction. ~ Legal Notice ~ By virtue and in execution of the Power of Sale contained in a certain Mortgage given by Jaime Mendoza and Marta Mendoza to U.S. Bank National Association, dated October 7, 2019 and recorded with the Middlesex County (Southern District) Registry of Deeds at Book 73419, Page 314 for breach of the conditions of said Mortgage and for the purpose of foreclosing same will be sold at Public Auction at 11:00 AM on May 9, 2025 at 285 Chelsea Street, Everett, MA, all and singular the premises described in said Mortgage, to wit: The land with the buildings thereon situated in Everett, Middlesex County, Massachusetts and being the premises numbered 285 on the present numbering of Chelsea Street and being Lot 40 on a “Plan of House Lots in Malden owned by Nathaniel Shields, July 1, 1845, J.H. Shearer, Surveyor” recorded in Middlesex South District Registry of Deeds, Plan Book 3A, Plan 20, and being more particularly described as follows: NORTHEASTERLY: by Chelsea Street, 25 feet; SOUTHEASTERLY: by Lot 41, as shown on said plan, 100 feet; SOUTHWESTERLY: by Lot 86, as shown on said plan, 25 feet; NORTHWESTERLY: by Lot 39, as shown on said plan, 100 feet. Containing about 2,500 square feet of land more or less. Said premises are conveyed subject to agreements, privileges and restrictions of record contained in a Deed recorded with Middlesex South District Registry of Deeds in Book 2858, page 473 so far as the same are now in force and applicable. Said premises are also conveyed subject to a common passageway as set forth in a Deed from Andrea Brancato, et ux to Natalie Taylor et al dated December 31, 1963, and recorded with Middlesex South District Registry of Deeds in Book 10648, Page 377. Being all and the same premises conveyed to JAIME MENDOZA and MARTA MENDOZA by Deed of CARLOS GALDAMEZ and SANDRA I. PERLERA MEJIA recorded with the Middlesex South District of Deeds herewith. The premises are to be sold subject to and with the benefit of all easements, restrictions, encroachments, building and zoning laws, liens, unpaid taxes, tax titles, water bills, municipal liens and assessments, rights of tenants and parties in possession, and attorney’s fees and costs. TERMS OF SALE: A deposit of TEN THOUSAND DOLLARS AND 00 CENTS ($10,000.00) in the form of a certified check, bank treasurer’s check or money order will be required to be delivered at or before the time the bid is offered. The successful bidder will be required to execute a Foreclosure Sale Agreement immediately after the close of the bidding. The balance of the purchase price shall be paid within thirty (30) days from the sale date in the form of a certified check, bank treasurer’s check or other check satisfactory to Mortgagee’s attorney. The Mortgagee reserves the right to bid at the sale, to reject any and all bids, to continue the sale and to amend the terms of the sale by written or oral announcement made before or during the foreclosure sale. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee’s attorney. The description of the premises contained in said mortgage shall control in the event of an error in this publication. TIME WILL BE OF THE ESSENCE. Other terms, if any, to be announced at the sale. U.S. Bank National Association Present Holder of said Mortgage, By Its Attorneys, ORLANS LAW GROUP PLLC PO Box 540540 Waltham, MA 02454 Phone: (781) 790-7800 24-013794 April 18, 25, May 2, 2025 The amount of the deduction was based on the federal per diem for Massachusetts.
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