One blazing hot day in the fall of 2013, 69-year-old Pamela Chappell, a retired supermarket employee, sat in her car in the parking lot of her Sacramento, Calif., credit union and cried.
The last few years had been rough. A medical condition called lymphedema made her legs swell and required regular wrapping and expensive medication.
Her fixed income, drawn from a Social Security check and even smaller pension from the labor union she joined as an employee, barely covered the cost of her medication and her other living expenses.
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