Every year many elderly and vulnerable adults become victims of financial exploitation. Financial exploitation is defined as illegal or improper use, control, or withholding of property, income, or resources.
Many people fall victim to financial exploitation at the hands of both strangers and family. This crime is a felony under Oklahoma law. Penalties include jail time, thousands of dollars in fines, and restitution.
Signs of financial exploitation can include, but are not limited to the following:
• Unusual bank activity • Change of statement delivery address • Unpaid bills • Unexplained withdrawals or transfers • Large purchases that don’t fit the persons income level
How to protect against financial exploitation: • Estate planning • Choose a Power of Attorney ahead of time • Consult an Elder Law Attorney If you or someone you know are experiencing financial exploitation contact Adult Protective Services (APS). 800-522-3511 or okhotline.org
The Long-Term Care Ombudsman Program is in place to advocate for elderly Oklahomans who reside in Long Term Care facilities. As our aging population grows, so does the need to make sure our loved ones are being cared for. If you have question or concerns regarding Resident’s Rights in a long term care facility there are several ways to contact an Areawide Aging Agency Ombudsman. Call 405-942-8500 to speak to an Ombudsman Supervisor, visit the agency website at www.areawideaging.org, or find us on Facebook.

Dear Savvy Senior, Can you give me a brief rundown of Medicare’s enrollment choices along with when and how to sign-up? Approaching 65

Dear Approaching,
The rules and timetables for Medicare enrollment can be confusing to many new retirees, so it’s smart to plan ahead. Here’s a simplified rundown of what to know.
First a quick review. Remember that original Medicare has two parts: Part A, which provides hospital coverage and is free for most people, and Part B which covers doctor’s visits and other medical services, and costs $170.10 per month for most enrollees in 2021.
When to Enroll
Everyone is eligible for Medicare at age 65, even if your full Social Security retirement age is 66 or later.
You can enroll any time during the “initial enrollment period,” which is a seven-month period that includes the three months before, the month of, and the three months after your 65th birthday. It’s best to enroll three months before your birth month to ensure your coverage starts when you turn 65.
If you happen to miss the seven-month sign-up window for Medicare Part B, you’ll have to wait until the next “general enrollment period” which runs from Jan. 1 to March 31 with benefits beginning the following July 1. You’ll also incur a 10 percent penalty for each year you wait beyond your initial enrollment period, which will be tacked on to your monthly Part B premium. You can sign up for premium-free Part A, at any time with no penalty.
Working Exceptions
Special rules apply if you’re eligible for Medicare and still on the job. If you have health insurance coverage through your employer or your spouse’s employer, and the company has 20 or more employees, you have a “special enrollment period” in which you can sign up. This means that you can delay enrolling in Medicare Part B and are not subject to the 10 percent late-enrollment penalty as long as you sign up within eight months of losing that coverage.
Drug Coverage
Be aware that original Medicare does not cover prescription medications, so if you don’t have credible drug coverage from an employer or union, you’ll need to buy a Part D drug plan from a private insurance company (see Medicare.gov/plan-compare) during your initial enrollment if you want coverage. If you don’t, you’ll incur a premium penalty – 1 percent of the average national premium ($33 in 2022) for every month you don’t have coverage – if you enroll later.
Supplemental Coverage
If you choose original Medicare, it’s also a good idea to get a Medigap (Medicare supplemental) policy within six months after enrolling in Part B to help pay for things that aren’t covered by Medicare like copayments, coinsurance and deductibles. See Medicare.gov/medigap-supplemental-insurance-plans to shop and compare policies.
All-In-One Plans
Instead of getting original Medicare, plus a Part D drug plan and a Medigap policy, you could sign up for a Medicare Advantage plan instead (see Medicare.gov/plan-compare) that covers everything in one plan. Nearly half of all new Medicare enrollees are signing up for Advantage plans.
These plans, which are also sold by insurance companies, are generally available through HMOs and PPOs and often have cheaper premiums, but their deductibles and co-pays are usually higher. Many of these plans also provide coverage for extra services not offered by original Medicare like dental, hearing and vision coverage along with gym/fitness memberships, and most plans include prescription drug coverage too.
How to Enroll
If you’re already receiving your Social Security benefits before 65, you will automatically be enrolled in Part A and Part B, and you’ll receive your Medicare card about three months before your 65th birthday. It will include instructions to return it if you have work coverage that qualifies you for late enrollment.
If you’re not receiving Social Security, you’ll need to enroll either online at SSA.gov/medicare or over the phone at 800-772-1213.
If you need help, get a copy of “Get It Together: Organize Your Records So Your Family Won’t Have To” at Nolo.com for $17.50 for the downloadable versions, or $20 for a printed copy.
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.

COVID-19 Oklahoma Test Results

*As of 2022-01-27 at 7:00 a.m.

OU Health is projected to receive more than $1 million to participate in a National Institutes of Health (NIH) initiative to better understand the long-term effects of COVID-19 infection. Enrollment in the study begins soon, and researchers will follow participants for up to four years.
The NIH launched the RECOVER (Researching COVID to Enhance Recovery) Initiative to learn why some people have prolonged symptoms (often referred to as “long COVID”) or develop new or returning symptoms after the acute phase of infection from SARS-CoV-2, the virus that causes COVID-19. The most common symptoms include pain, headaches, fatigue, “brain fog,” shortness of breath, anxiety, depression, fever, chronic cough and sleep problems.
“This is a unique opportunity to be part of a nationwide study that investigates the impact of post-acute sequelae from SARS-CoV-2 infection (PASC), which includes long COVID. In other viral infections, you rarely see long-term symptoms at the rate we have seen with COVID-19. If we can understand the biological underpinning of these symptoms, that may help us to better treat people who continue to have problems for weeks or months after the infection is over,” said Timothy VanWagoner, Ph.D., co-principal investigator of the study for OU Health.
VanWagoner is deputy director of the Oklahoma Clinical and Translational Science Institute (OCTSI) at the OU Health Sciences Center. The OCTSI unites universities, nonprofit organizations, American Indian communities, public agencies and primary care providers in research addressing the health outcomes of Oklahomans. OCTSI’s existing infrastructure will be used to enroll patients from across the state, including those in rural and medically underserved areas. OU Health is among more than 30 academic healthcare institutions across the nation enrolling patients in the study.
OU Health will enroll approximately 80 adults in three different study categories. One group will include individuals with a past COVID-19 infection who continue to have symptoms. Another group will be comprised of people with a recent COVID-19 infection who may or may not continue to have symptoms. To serve as study controls, the final group will feature people who have never had COVID-19. Participants will be asked to undergo laboratory tests and other analyses, depending on the category.
Current data show that 10% to 30% of people who have had a serious COVID-19 infection will continue to experience symptoms for at least one month. Researchers don’t know why symptoms persist long after the infection or why some people have little to no symptoms.
“The RECOVER study is important because researchers around the country will be sharing their findings in real time in an effort to find answers as quickly as possible,” said Judith James, M.D., Ph.D., co-principal investigator of the study for OU Health and director of the OCTSI. “We hope to discover factors that put people at higher risk for ‘long COVID’, as well as protective factors. That information will be critical for preventing and treating the long-term effects of the virus.”
The current study will focus solely on adults; however, a study in children and adolescents will be forthcoming.
For more information about enrolling in the OU Health study, call (405) 271-3490 or email osctr@ouhsc.edu.

The Oklahoma Medical Research Foundation this week welcomed U.S. Reps. Stephanie Bice (OK-05) and Frank Lucas (OK-03) for updates on work at the Oklahoma City-based nonprofit biomedical research institute.
Bice and Lucas met with OMRF President Andrew S. Weyrich, Ph.D., and scientists from three of the foundation’s research programs.
Bice received a briefing on Covid-19 research from OMRF Vice President of Clinical Affairs Judith James, M.D., Ph.D., who leads a team of scientists studying the body’s immune response to Covid-19 and whether the virus may trigger autoimmune conditions such as lupus and rheumatoid arthritis. James is also the lead investigator on a nationwide National Institutes of Health-funded trial to assess how to elicit a stronger immune response to the Covid-19 vaccine in people with certain autoimmune diseases who did not respond well to an original vaccine regimen.
“Federal funding for biomedical research is vital,” said Bice, a member of the House Science, Space and Technology Committee. “I’m proud that OMRF is part of my district. The cutting-edge work scientists are doing here is inspiring and impacts not just Oklahomans, but all Americans.”
Lucas met with OMRF researchers Michael Beckstead, Ph.D., who is studying the role of the naturally occurring brain chemical dopamine in opioid addiction, and Courtney Griffin, Ph.D., whose work on blood vessels shows promise for restoring vision in those who have lost eyesight due to diabetes or premature birth.
A champion of ensuring rural students get access to quality science, technology, engineering and math education to bolster their career opportunities, Lucas applauded OMRF’s efforts to train the next generation of scientists through in-state recruitment as well as in the foundation’s Fleming Scholar Program and Langston University Biomedical Research Scholars Program.
“Basic research like what scientists are doing at OMRF is fundamental to advances in human health, but it requires a strong STEM workforce,” said Lucas, the ranking member of the House Science, Space, and Technology Committee. “OMRF plays an important role in making careers in STEM a reality for Oklahomans.”
OMRF, which is celebrating its 75th anniversary, has nearly 500 staff members and scientists in more than 50 labs studying cancer, heart disease, autoimmune disorders, and diseases of aging. The foundation’s discoveries have yielded hundreds of patents and three life-saving drugs available in hospitals and clinics worldwide. Most recently, Adakveo became the first targeted therapy approved in the U.S. for sickle cell disease, which affects an estimated 100,000 Americans.
“The Oklahoma congressional delegation’s commitment to biomedical research is steadfast and admirable,” said Weyrich. “Their decades of support for OMRF’s scientists and our mission of making discoveries that make a difference has changed and saved lives.”