Dear Savvy Senior,

I understand that a portion of my Social Security benefits may be taxable when I retire. Can you tell me how to calculate this? Ready to Retire

Dear Ready,
Whether or not you’ll be required to pay federal income tax on your Social Security benefits will depend on your income and filing status. About 35 percent of Social Security recipients have total incomes high enough to trigger federal income tax on their benefits.
To figure out if your benefits will be taxable, you’ll need to add up all of your “provisional income,” which includes wages, taxable and non-taxable interest, dividends, pensions and taxable retirement-plan distributions, self-employment, and other taxable income, plus half your annual Social Security benefits, minus certain deductions used in figuring your adjusted gross income.
How to Calculate
To help you with the calculations, get a copy of IRS Publication 915 “Social Security and Equivalent Railroad Retirement Benefits,” which provides detailed instructions and worksheets. You can download it at IRS.gov/pub/irs-pdf/p915.pdf or call the IRS at 800-829-3676 and ask them to mail you a free copy.
After you do the calculations, the IRS says that if you’re single and your total income from all of the listed sources is:
* Less than $25,000, your Social Security will not be subject to federal income tax.
* Between $25,000 and $34,000, up to 50 percent of your Social Security benefits will be taxed at your regular income-tax rate.
* More than $34,000, up to 85 percent of your benefits will be taxed.
If you’re married and filing jointly and the total from all sources is:
* Less than $32,000, your Social Security won’t be taxed.
* Between $32,000 and $44,000, up to 50 percent of your Social Security benefits will be taxed.
* More than $44,000, up to 85 percent of your benefits will be taxed.
If you’re married and file a separate return, you probably will pay taxes on your benefits.
To limit potential taxes on your benefits, you’ll need to be cautious when taking distributions from retirement accounts or other sources. In addition to triggering ordinary income tax, a distribution that significantly raises your gross income can bump the proportion of your Social Security benefits subject to taxes.
How to File
If you find that part of your Social Security benefits will be taxable, you’ll need to file using Form 1040 or Form 1040-SR. You also need to know that if you do owe taxes, you’ll need to make quarterly estimated tax payments to the IRS, or you can choose to have it automatically withheld from your benefits.
To have it withheld, you’ll need to complete IRS Form W-4V, Voluntary Withholding Request (IRS.gov/pub/irs-pdf/fw4v.pdf), and file it with your local Social Security office. You can choose to have 7 percent, 10 percent, 12 percent or 22 percent of your total benefit payment withheld. If you subsequently decide you don’t want the taxes withheld, you can file another W-4V to stop the withholding.
If you have additional questions on taxable Social Security benefits call the IRS help line at 800-829-1040.
State Taxation
In addition to the federal government, 13 states – Colorado, Connecticut, Kansas, Minnesota, Missouri, Montana, Nebraska, New Mexico, North Dakota, Rhode Island, Utah, Vermont and West Virginia – tax Social Security benefits to some extent too. If you live in one of these states, check with your state tax agency for details. For links to state tax agencies see TaxAdmin.org/state-tax-agencies.

Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

When Covid-19 hit James Richardson, it hit him hard. Now, the 45-year-old physical therapist is using his experience with the virus to help others.
A distance runner who also regularly lifts weights, the Oklahoma City resident didn’t fit any of the traditional risk factors associated with Covid-19. But shortly after a work exposure at his clinic in March, the virus had him fighting for his life.
Following his recovery, he’s now participating in antibody research at the Oklahoma Medical Research Foundation.
“It was such a miserable experience. If there’s anything I can do to help others avoid that or experience it less severely, that’s what I’m going to do,” he said.
Infected by a patient in his physical therapy clinic, Richardson soon developed a fever of almost 103 degrees and blacked out repeatedly. He was admitted to the emergency room at Integris Baptist Medical Center and moved to isolation in the hospital’s Covid unit.
“It felt like my chest was tightening more with every breath, like I had a constrictor snake wrapped around me,” he remembered. For a week in the hospital, he cycled in and out of consciousness.
The low point came when his oxygen levels crashed, and the ventilator team was called. “I was able to muster the word ‘no’ when they asked to vent me,” he said. “I was afraid of the long-term consequences.”
Fortunately, Richardson pulled through without the ventilator. But nine months later, he continues to feel the lingering effects of the virus.
I’m still dealing with things that don’t feel right. I can’t breathe well, and some of the cognitive effects are scary,” said Richardson. “I find myself trying to explain something to a patient or a colleague and can’t find the words; I just want to slap myself on the back of the head and yell, ‘Spit it out already!’”
Once he’d cleared the virus from his body for a sufficient period, Richardson began donating plasma to the Oklahoma Blood Institute for use in treating other Covid-19 patients. He also volunteered for research at OMRF, where scientists are studying his antibodies as part of a two-year federal grant.
“Our goal is to understand people’s differing immune responses to the virus,” said Linda Thompson, Ph.D., one of the leaders of the project at OMRF. Using blood donated by volunteers, the scientists are looking for biological clues that might identify those individuals most likely to experience a severe response to the virus.
This information can be used to develop potential treatments and to inform vaccine design and improvement over the coming years.
“Someone like James volunteering isn’t just valuable,” said Thompson. “It’s crucial in helping us understand the effects of antibodies in fighting this virus.” When Richardson learned what taking part in the OMRF research entailed, he says the decision to participate was easy.
“All I need to do is show up to help and give a little blood?” he said. “Count me in!”
If you’ve recently recovered from Covid-19 and are interested in volunteering for OMRF’s antibody research study, please call 405-271-7221.

Virtually connect with the Zoo’s endangered red pandas from home

Shake those winter blues as you enjoy live views of the Zoo’s red pandas! The Oklahoma City Zoo’s popular red panda cam returns giving animal lovers worldwide the opportunity to enjoy endless hours of watching the Zoo’s red pandas this winter. Experience a virtual visit to the OKC Zoo’s red panda habitat at Sanctuary Asia from your smartphone, computer or tablet to watch Thomas, 7, and his daughter, Khyana, 18-months, as they play, engage with their caretakers and enjoy their favorite weather season, winter!
Now through Sunday, February 28, 2021, get an exclusive real-time look at the Zoo’s red pandas with the Zoo’s red panda cam online at www.okczoo.org/redpandacam. The red panda cam will stream live daily with optimal viewing from 10 a.m. to 2 p.m. of either Khyana or Thomas. Because red pandas are solitary by nature and Khyana has reached an age of maturity, she and Thomas do not share habitat space.
Khyana and her twin brother, Ravi, were born at the Zoo’s Sanctuary Asia habitat on June 2, 2019, to parents Thomas and Leela. Both Leela and Thomas arrived at the OKC Zoo in 2018 as part of the Red Panda Species Survival Plan™ (SSP). SSP programs were developed by the Association of Zoos and Aquariums (AZA) to help oversee the husbandry and breeding management and, as a result, the sustainability of select animal species within AZA-member zoos and aquariums, including the OKC Zoo. Many of these programs help enhance conservation efforts of these species in the wild as well. This year, Leela and Ravi, relocated to other AZA-member zoos as part of the SSP program to help further contribute to the conservation of their species.
In October 2019, Khyana underwent an amputation of her hind, left leg, due to a congenital deformity. She continues to thrive and is extremely active, always exploring her surroundings. Khyana is also eager to engage with her caretakers through training sessions.
Known for being great climbers, red pandas spend most of their lives in trees, even sleeping in branches. Red pandas grow to be about the size of a typical house cat. Their bushy, ringed tails add about 18 inches to their length and serve as a type of blanket keeping them warm in cold mountain climates.
Though previously classified as a relative of the giant panda, and also of the raccoon, with which it shares a ringed tail, red pandas are currently considered members of their own unique taxonomic family—the Ailuridae. The red panda is listed as an endangered species. Only an estimated 10,000 remain in the wild, and their habitats in remote areas of the Himalayan Mountains, from Nepal to central China, are being threatened by deforestation, agriculture, cattle grazing and competition for resources.
Click on the Zoo’s red panda cam for all the cuteness you can stand! The Oklahoma City Zoo is open Thursday through Monday from 9 a.m. to 5 p.m. with no public access on Tuesdays and Wednesdays. Advance tickets are required for all guests and ZOOfriends members and can be purchased at www.okczoo.org/tickets. Zoo tickets are limited each day to maintain social distancing among guests.

Story and photos by Darl DeVault

In 2020 Basketball was cancelled and Pickleball moved outdoors In Norman to accommodate COVID-19 while the full slate of Oklahoma Senior Games was staged.
Regina Stewart, the Games’ volunteer coordinator, a senior athlete herself, was direct in explaining how it would work. “With our two-week preregistration window, it gave us time to contact everyone if we had to cancel one of the events,” Stewart said.
The Games grew to more than 1,000 50+ athletes in 2019 and added two Native American nations as sponsors to help to conduct the many activities needed to allow the Games to run smoothly September through October 2020. The Chickasaw and Cherokee Nations are underwrote the Games for the first time in 2020.
Stewart said she counts on the community to continue embracing what has come to be known as the “Oklahoma Standard” even in the time of COVID-19.
The Games promote healthy lifestyles for seniors through education, fitness with the spirited competition of sports and recreational games. This goes along with inspiring everyone to embrace health while enjoying the value of sports related exercise.
Volunteering opportunities abound as the Games grow. Oklahomans who have a flair for community service can help stage the Oklahoma Senior Games. Volunteers can help promote healthy lifestyles by encouraging active seniors 50 and over to enhance the quality of their lives through statewide athletic and recreational competition.
Also as the Track and Field coordinator in years past, Stewart said that more than 100 volunteers helped last year. She estimates double that number are needed to help this coming year to handle the social distance requirements and growth in the many sports offered. The sports offered and sign up for volunteering is found on the okseniorgames.org Web site under the Volunteer tab.
“The organizers are counting on the warm hospitality and strong sense of community spirt Oklahomans have shown as volunteers that allow the state to thrive. “Our volunteers are a major part of how and why Oklahoma has proven itself as a great place to compete in Senior Games each year,” Stewart said. “We have grown each of the last five years because of the time and energy Oklahomans who do not compete have invested in offering the Games to those who do compete.”
Volunteers make up the largest resource for the sanctioned state organization to produce state games each year. This help allows the Games to be the qualifying site in Oklahoma for the National Senior Games Association’s National competitions.
The Games provide up to 27 sports venues, some with variations, which offer athletic training opportunities and social interaction. Along with the competitions, the Games supply healthy lifestyle educational information for seniors. For general questions call (405) 821-1500 or email info@okseniorgames.org.

Examples of ways to volunteer:

Archery: Check-in, refreshments
Badminton: Check-in, refreshments
3 on 3 Basketball Free Throw/Around-the-world: Scorekeepers, rebounders
Bowling: Check-in, refreshments
Cornhole: Check-in, Scorekeepers
Cycling: Check-in, course monitors, bike holders, refreshments, medals
Golf and Golf Croquet: Check-in, refreshments
Horseshoes: Check-in, refreshments
Pickleball: Check-in, refreshments, scorekeepers
Race Walking: Check-in, water stops, course monitors, refreshments, medals
Racquetball: Check-in, refreshments
Road Races: Check-in, water stops, course monitors, refreshments, medals
Registration: Check-in athletes, t-shirt distribution,
Shuffleboard: Scorekeepers,
Swimming: Timers, Refreshments, Medals
Table Tennis: Check-in, refreshments,
Tennis: Check-in, refreshments, water coolers, t-shirt sales, ball retrieving/distribution
Triathlon: Course monitors, swim lap counters, water stops, check-in, refreshments
Track and Field: Check-in, field event helpers, timers, refreshments, runners, medals
Washer Pitch: Check-in, scorekeepers, refreshments

Photography and Text by Terry “Travels with Terry” Zinn t4z@aol.com

In the Oklahoma region many of us over the years have visited Wichita, Kansas, for a theatrical event at Century Two or to see the Chisholm Trail, or to just get a bit of Western atmosphere. I too have, over the years, visited Wichita and on a recent visit was surprised at the additions to this vibrant city. And as last month I suggested you visit Dodge City, you might as well take about a two hour drive on over to Wichita, before or after your Dodge City visit. Not recommending travel at the moment, but it’s fun to explore and plan for the new year. And remember to check current times and conditions on venues you plan to visit.
My home base was the Ambassador Hotel, an Autograph Collection Hotel, (https://ambassadorwichitaks.com) where the modern black and gray and chrome atmosphere welcomes the well-worn traveler seeking a step up from the ordinary. Located downtown with convenient self-parking and an expansive room with courteous attendants and city views, the Ambassador promises a surprise upscale experience. While I requested long in advance for one of their ADA rooms, there was no bench or chair in the walk-in shower. I re-requested such from the front desk, and by the next day, with some bumps in the road, was happily accommodated.
The hotel staff was very good in following through with requests. I only wish the food and beverage side of the hotel had not disappointed. The steak and unique charred Caesar salad were exceptional at the Siena Tuscan Steakhouse, however they did not honor a coupon., They gave me a drink coupon for the downstairs pseudo speak easy. Even after talking to the Food and Beverage manager and crew it was not accepted, even though my server agreed the coupon was misleading – almost a bait and switch situation. I did not mind paying for my drink, but the experience left a bad farewell feeling for the hotel, as I was leaving the next day. Just a heads up, as I tell it like I experience in all my travel articles. So when I say “I’m impressed,” you know it.
About a block from the hotel is the Roxy Theater, (www.roxysdowntown.com) with a disguised rear entrance for the uninitiated, to a funky building housing a dinner theater. The food was acceptable for Dinner Theater fare and their production of Avenue Q, was one of the best I have seen. The wait staff had more tables than they could easily accommodate. I’d recommend the Roxy, now you know what to expect.
A pleasant unexpected surprise is the Tanganyika Wildlife Park (www.twpark.com) where wild animals including a plethora of giraffes, a Rhino, a variety of primates are among the surprises. Roaming the expansive grounds, even during a rain shower is a recommended experience where you can slow down and enjoy nature and its creations.
Who’d think that there was a goat farm in Kansas that also served adult beverages and farm to table gourmet lunches which is Elderslie Farm. (https://eldersliefarm.com) Being a family owned operation from chef to owner tour guide, the home-grown sincerity rang throughout the farm, from goat milking and cheese making to the wood working of heritage wood into tables, shelves and doors. Admiration goes out to Elderslie Farm for their preservation of tender loving care and investment in preservation. They even have a large blackberry patch that is a community pick and share in June. The season for blackberries is brief – influenced heavily by the unpredictable spring weather. Reserve a tour and luncheon here – you will be surprised.
Talk about surprises, two dining establishments blew my critical socks off. Georges, a true French bistro, (http://georgesfrenchbistro.com/) located in an unprepossessing strip mall, will delight your taste buds. My luncheon Martini and Prosciutto Eggs Benedict with truffle frites, was accented by the continental waiter and the chatter of the accompanying “ladies who lunch,” who find this their congenial gathering place.
6Steakhouse, (www.6ssteakhouse.com) located out near the Zoo and offering lake front views, is an upscale dining experience not to be passed by. An aged steak prepared to my specification, even with a second “more heat” request, was memorable. What they call creamed corn is a unique roasted corn medley, from which you could make an entire meal. A relatively new establishment promises many years of good times with their sleek upscale interior dining and even an added education into the ageing of fine beef, I found enlightening. (if you say “6S” fast enough it can sound like, success.)
Of course, Wichita is known for its Keeper or the Plains symbolic statue with its reflections in the river, is still an attraction to be viewed anytime.
The veteran The Museum of World Treasures, warehouse style building https://worldtreasures.org is a long-time Wichita resident. It offers mainly replicas of world history documents and artifacts, (including Custer’s button up fly underwear). Seeing many letters of world figures and artifacts can be quite educational for the youth, along with the ever-popular T-Rex skeleton. Also you can enjoy the gardens of Botanica (https://botanica.org) and the restored WWII B29 bomber at B-29 Doc Hangar and Educational Center (www.b29doc.com) .
The best surprise of all was the Wichita Art Museum’s (www.wichitaartmuseum.org) limited showing of what could be called the most comprehensive overview of the Works and Life of Georgia O’Keeffe. Having seen many exhibitions of her work, I was delighted to see her paintings and timeline juxtaposed with her actual artifacts and many of her dresses. While this exhibit is over another intriguing exhibit is “Foot In the Door” photographs from local Wichita residents through April 18, 2021. Staged in conjunction with the Wichita Art Museum’s 85th Anniversary, “the exhibition is an opportunity to recognize Wichita artists and make them feel welcomed and loved at their art museum. They are critical to the lifeblood at WAM,” says director Dr. Patricia McDonnell.
To help with your Wichita surprises contact them at: www.visitwichita.com

Mr. Terry Zinn – Travel Editor
Past President: International Food Wine and Travel Writers Association
3110 N.W. 15 Street – Oklahoma City, OK 73107
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by Vickie Jenkins, Staff Writer

There is no denying that the last nine months have been very difficult for our caregivers. COVID-19 is a devastating and relentless disease that knows no rules or boundaries. The medical community is working day and night to unlock its mysteries and we’re learning more each day on how to treat those infected – yet the death toll continues to rise. Our caregivers are exhausted from the rigorous donning and doffing of personal protective equipment while in the back of their minds is fear that they could be contracting and or bringing this virus home to their loved ones. They are witnessing significant mortalities and many say they have seen more death in the last month then they have in their entire careers. They are literally doing everything they can to try to save as many patients as possible. They pour their heart and soul into each patient but at the end of the day, they know some will not make it out of their unit.
With family members not being allowed inside the hospital for safety concerns, our caregivers are playing dual roles. They are not only caregivers to these patients, they are also their support system. They are comforting patients when they are scared, hugging them when they are lonely and unfortunately holding their hands as the pass away. Our caregivers serve as the liaison between our patients and their families worrying at home. They facilitate phone calls and video conferences when they can and become emotionally invested. It is physically, mentally and spiritually exhausting.
While the recent approval of the COVID-19 vaccine is rejuvenating and uplifting, it will still take quite some time and will require majority compliance to see the true impact. In the meantime, the models indicate that it will get worse before it gets better. Our caregivers are bracing for what is to come.
Support from the community is imperative to help get them through these dark days. Anything helps. Cards, notes, care packages, prayers. They are all meaningful and appreciated. These tokens are sometimes the catalysts that get them through their next shift. It’s amazing to watch their faces light up when they receive even the simplest gesture. Anyone interested in supporting our INTEGRIS Health caregivers can make a monetary gift to the Caregiver Relief Fund at integrisrelief.org or reach out to the INTEGRIS Health Foundation team at giving@integrisok.com to discuss other giving opportunities.

Three Oklahoma Medical Research Foundation scientists were recently recognized for excellence at the American College of Rheumatology meeting, the world’s largest annual conference for the field.
OMRF senior research assistant Sherri Longobardi received the Sjögren’s Foundation’s Outstanding Abstract Award for her work in identifying new methods for diagnosing Sjögren’s syndrome, where immune cells attack moisture-producing glands, causing symptoms that include severe dry eyes and dry mouth, fatigue, joint pain and rashes. There are currently no approved treatments for the illness.
Current blood tests to diagnose Sjögren’s look for biomarkers found in just 60% of patients, making the disease challenging to detect, and a lip biopsy is often required to confirm a diagnosis. Since beginning her research in 2016, Longobardi has identified eight new markers, paving the way for a blood test with accuracy rates as high as 93%.
Darise Farris, Ph.D., who mentors Longobardi at OMRF and holds a $2.7 million Sjögren’s grant from the National Institutes of Health, noted the work is a major step forward in the field. “This a significant discovery that could better diagnose patients and save a large portion from a painful lip biopsy and extensive testing.”
OMRF scientists Eliza Chakravarty, M.D., and Melissa Munroe, M.D., Ph.D., were also recognized for outstanding abstracts at the meeting. Their separate projects focused on better understanding aspects of the autoimmune disease lupus.
Chakravarty helped lead a multi-site NIH trial to determine whether patients can safely stop taking a lupus medication — mycophenolate mofetil — associated with numerous side effects. The study determined that patients with stable disease may be able to stop the medication without added risk of disease flare.
Munroe’s project examined specific inflammatory and regulatory imbalances in the blood that may help clinicians better predict and identify which relatives of lupus patients will go on to develop the condition.
“The American College of Rheumatology meeting is a gathering of the brightest minds in the field,” said OMRF Vice President of Clinical Affairs Judith James, M.D., Ph.D. “The recognition of these investigators and their teams is yet another nod to OMRF’s critical work in understanding and treating autoimmune diseases.”

* As of this advisory, there are 283,781 cases of COVID-19 in Oklahoma.
* 2,594 is today’s 7-day rolling average for the number of new cases reported.
* There are 22 additional deaths identified to report.
* Two in Cleveland County, one female in the 65 or older age group, one male in the 65 or older age group.
* One in Creek County, one male in the 65 or older age group.
* One in Garfield County, one male in the 65 or older age group.
* One in Grady County, one male in the 65 or older age group.
* One in Kay County, one female in the 65 or older age group.
* One in Love County, one female in the 50-64 age group.
* One in McClain County, one female in the 65 or older age group.
* One in McCurtain County, one male in the 65 or older age group.
* Eight in Oklahoma County, three females in the 65 or older age group, one male in the 18-35 age group, one male in the 50-64 age group, three males in the 65 or older age group.
* One in Pontotoc County, one male in the 65 or older age group.
* Three in Tulsa County, one female in the 65 or older age group, two males in the 65 or older age group.
* One in Woods County, one female in the 65 or older age group.
* There are 2,405 total deaths in the state.
* Additional hospitalization data can be found in the Hospital Tiers report, published evenings Monday through Friday.
* For more information, visit https://oklahoma.gov/covid19.html.

*The total includes laboratory information provided to OSDH at the time of the report. As a result, counts are subject to change. Total counts may not reflect unique individuals.
***The purpose of publishing aggregated statistical COVID-19 data through the OSDH Dashboard, the Executive Order Report, and the Weekly Epidemiology and Surveillance Report is to support the needs of the general public in receiving important and necessary information regarding the state of the health and safety of the citizens of Oklahoma. These resources may be used only for statistical purposes and may not be used in any way that would determine the identity of any reported cases.
Data Source: Acute Disease Service, Oklahoma State Department of Health. *As of 2020-12-29 at 7:00 a.m.

by Steven Sibley of Sibley Insures, MBA/Health Care Administration

Sibley Insures is pleased to announce their strategic partnership with Mass Mutual of Oklahoma. Mike McCall, with Mass Mutual, serves as the primary Advisor on a team of professionals focused on retirement planning. “I am very excited to have both Steve and his wife Christina as a resource for our team.” Mike noted. “Our clients expect and deserve a high level of expertise and these two have it. Their input will ensure our clients have great, affordable healthcare, with ongoing support and advocacy throughout their retirement years.”
Sibley Insures is an independent insurance broker in Oklahoma City, specializing in Medicare and ancillary healthcare products. Steve, from Tulsa and licensed in Oklahoma, is a retired Air Force and Army veteran and holds an MBA with an emphasis in healthcare administration from MACU in OKC. He manages the business and their marketing. Christina is also licensed in Oklahoma and Kansas, where she is originally from. She holds a Bachelor of Science degree in Health Studies with an emphasis in Gerontology. She spends her time focused on consumer education, plan selection and advocacy for her clients.
Together, Steve and Christina bring a unique balance of healthcare planning experience to the table. She’s spent over 20 years as a caregiver in hands-on patient care; as an EMT, a Registered Medical Assistant in physicians’ practices, the supervisor of a homecare company and a healthcare sciences educator at the college level. She is all about patient and client care. Steve explains, “I tell people it’s like having someone in your corner with all this healthcare knowledge and experience, that just happens to be your favorite niece, and she will treat you like family.”
Steve’s career in the financial services industry started over 20 years ago. During that time he also served in the Army Reserve, as a weekend warrior and eventually as an active-duty reservist, ending his 36-year military career in September of 2017. “After retirement, I wanted to be an independent broker and add a focus on health insurance to my financial services business.” Christina agreed to join him in business, got licensed and once she discovered Medicare, she loved it. Steve ended up spending the next 3 years focused on supporting Christina in her Medicare business and becoming a house husband. However, he knew that eventually he wanted to get back into the field. “With my knowledge of both financial services and how Medicare works, I knew I could carve out a niche helping advisers and their clients get a real clear picture of healthcare costs in retirement and strategically plan for it.”
That is where Mike McCall comes in. He’s also an Army Veteran and as a financial services advisor has over 20 years of education enhanced skillsets and experience. He’s continued serving people in a specialty centered around income planning for retirement. “Life is always changing; therefore, the financial planning landscape is always evolving. I believe most people are so busy living life that they need someone at their side to help them navigate the challenges of creating sustainable income during retirement. That’s what I do and I share that responsibility myself and for my family. So, it is work I take seriously and it’s work I love.” In addition to Mike’s experience, the next most important part of his knowledge and growth has been his education. “I’m fortunate that Mass Mutual invests in my continuing education and I believe that pays dividends for my clients.” With a Degree in Management and Ethics from MACU here in OKC, he also holds the esteemed professional designations of: Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), and Retirement Income Certified Professional (RICP). Mike’s a family man, with wife Joyce, a nurse at Baptist Hospital, and two adult sons.
“Our goal is to help people do for their families, what we would do for our own.” Mike points out. “We’ve developed a model for strategically guiding our clients through healthcare planning. We’ve also armed clients with a knowledgeable team of advocates, such as health insurance agents, who’ll guide them into the right Medicare and ancillary plans. An Advisor, who’ll skillfully recommend financial vehicles for healthcare savings to mitigate expenses not typically covered by insurance, and Attorneys, who’ll ensure the proper legal healthcare documents are put into place. Our clients can be confident they have a sound, strategic, flexible plan that works very well, which, while being affordable, offers a high level of coverage, that protects their most important assets, their health, wellness and wealth. We are looking for 2021 to be a great year for helping seniors in this area.” For more information contact Steven Sibley 405-850-1569, ssibleyinsures@gmail.com.

The American Health Care Association and National Center for Assisted Living (AHCA/NCAL), representing more than 14,000 nursing homes and assisted living communities across the country that provide care to approximately five million people each year, released the following statement in response to the pending COVID relief package.
The following statement is attributable to Mark Parkinson, president and CEO of AHCA/NCAL: “While we appreciate the difficulty in reaching a bipartisan compromise, we are disappointed that Congress could not strike a deal that recognizes the dire situation our long term care residents and staff are facing right now. Due to soaring community spread, nursing homes are experiencing a record-breaking number of cases and deaths—worse than the spring. Even with a vaccine on its way, it will likely take months to fully vaccinate our residents and staff, as well as the remaining public. Facilities will not be able to return to normal for some time, meaning providers need ongoing support with PPE, testing and staffing.
“Meanwhile, nearly two-thirds of long term care facilities are operating at a loss, and the additional funds slated for the Provider Relief Fund for all heath care providers in this legislation are minimal. Hundreds of facilities are in danger of closing their doors permanently and uprooting the frail seniors they care for. Congress must do more in the new year by directing specific aid to long term care. We owe it to our nation’s seniors and our health care heroes.”