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By Oklahoma Insurance Commissioner Glen Mulready

You’ve just purchased a beautiful, expensive piece of jewelry that you want to protect if lost, damaged or stolen. So, you ask your insurance agent to add a condition to your home insurance policy. As a small business owner, you make an addition to your insurance policy that would exclude or eliminate coverage for your company’s particular type of risk. These examples require changing your current, existing insurance policy; you can do that with an endorsement. An endorsement, also known as a rider, adds, deletes, excludes or changes insurance coverage to increase coverage by way of an endorsement/rider. The endorsement/rider takes precedence over the standard limits of coverage over the original agreement or policy.
TOP CONSIDERATIONS
How an insurance endorsement/rider works. An insurance endorsement/rider is an amendment to an existing insurance contract that changes the original policy’s terms. An endorsement/rider can be issued at the time of purchase, mid-term or at renewal time. An endorsement may affect insurance premiums, and premiums may change as a result.
You can have an endorsement/rider on your homeowners and renter’s policy, life insurance, and auto insurance policies. Endorsements/riders may include adding or deleting people and locations to your current insurance policy. Endorsements/riders are important because they address issues or items not included in the original contract or policy.
* Additional Coverage – An endorsement that adds or includes coverage that would otherwise be excluded.
* Exclusions – Some endorsements exclude coverage for certain types of claims.
* Modification of Coverage – An endorsement can expand the scope of existing coverage.
WHAT YOU SHOULD KNOW – Be informed of any insurance policy changes. An endorsement can vary depending on the insurance company and the type of insurance to which the endorsement applies. If you receive a document stating there is an endorsement to your policy, be sure to compare it to your original policy, and talk with your insurance agent or representative about the changes to make sure you understand them.
Educate yourself on how an endorsement can protect your belongings. If you have expensive jewelry, like a diamond engagement ring or vintage necklace, you might want to consider an endorsement/rider. It will take over and protect these items, where a traditional home insurance policy might end. Other things worthy of an endorsement/rider may include antiques, fine art, and priceless stamp or coin collections, to name a few.
For instance, many home insurance policies exclude coverage for mold or sump pump overflow. An endorsement to your insurance policy could give you that added protection. Many home insurance policies exclude coverage for mold or sump pump overflow. An endorsement to your insurance policy could give you that added protection.
An optional endorsement that protects the rebuild cost of your home is an inflation guard endorsement. These endorsements are common and automatically increase the amount of insurance on your home by a certain percentage each year to account for the disparity caused by inflation.
THREE THINGS TO REMEMBER – An endorsement/rider alters the policy and becomes part of your legal insurance contract.
Always keep a copy of the endorsement and the change notice that accompanies the endorsement along with your copy of the original policy since it remains in force until the contract expires.
Endorsements can reduce or increase your policy premium.
For more information, please contact the Oklahoma Insurance Department at 1-800-522-0071 or visit our website at: https://www.oid.ok.gov/.

By Nick Thomas

Before “Grease,” the hit 1978 movie, there was “Grease” the musical theater production first performed in Chicago in 1971 before moving to Broadway a year later for over 3,000 performances.
Adrienne Barbeau, who played Rizzo during the first five months of the show’s run, helped commemorate the 50th anniversary of the production as a co-editor of the 2022 book: “Grease, Tell Me More, Tell Me More – Stories from the Broadway Phenomenon That Started It All.” It features personal anecdotes from the Broadway cast and crew.
“It stemmed from a Zoom meeting that the original cast had when the pandemic first shut everything down,” recalled Barbeau from her home in Los Angeles. “The stories everybody told were just so delightful and touching and funny and most of them all new to me because I left the show early on.” (STORY CONTINUES BELOW)

Barbeau and two others involved in the production began assembling the stories.
“We sent out a questionnaire to over 100 actors, musicians, and crew members who had been involved in the show asking them to write down their stories of working on the production,” said Barbeau. “We put it all together in a terrific tribute to the show.”
Despite her strong connection to “Grease” which opened on Valentine’s Day, 1972, to this day Barbeau still has not watched the popular 1978 movie version which has many differences, including some of the music, from the original play.
“I happened to hear one of the songs from the movie a long time back, which was one of my songs,” she recalled. “It was lovely what they had done with it, but it just was not what we had done. So, I decided never to watch the film so I could keep the memory of our show and not cloud it with another version.”
Though her career began in musical theater, Barbeau left “Grease” to co-star in the TV comedy “Maude” throughout the 70s. But in the early 80s, the actress starred in several horror/sci-fi films (“Swamp Thing,” “The Fog,” “Escape from New York,” “Creepshow”) forever cementing her movie status as a horror sex symbol (see www.abarbeau.com).
“I started out in musical theater and comedy, and the transition to more dramatic roles was never by design,” Barbeau explained. “It’s just that somebody offered me something I wanted to do or needed to do to pay bills. I ended up playing strong women who were not victims and they were often interesting and challenging roles.”
“People always say, oh you were a sex symbol,” she adds. “But I like to remind them my first love scene in film was with a swamp monster!”

Nick Thomas teaches at Auburn University at Montgomery, in Alabama, and has written features, columns, and interviews for numerous magazines and newspapers. See https://www.getnickt.org/.

Three Oklahoma hospital administrators were recently elected to the Oklahoma Hospital Association (OHA) board of directors for the 2023-2025 term.
Elected to at-large positions are Richard Lofgren, MD, chief executive officer, OU Health; Tim Pehrson, president and CEO, INTEGRIS Health; and Krista Roberts, chief executive officer, St. Mary’s Regional Medical Center, Enid.
Tammy Powell, president, SSM Health St. Anthony Hospital – Oklahoma City, enters her second year as chair of the board. Others serving on the board’s executive committee are Denise Webber, chair-elect, president/CEO, Stillwater Medical Center; Jay Johnson, immediate past chair, president/CEO, DRH Health, Duncan; and Daryle Voss, at-large executive committee member and southeast region chair, president and CEO, Mercy Hospital Ardmore. (STORY CONTINUES BELOW)

Continuing their terms as regional chairs on the OHA board are Kandice Allen, northwest region chair, CEO, Share Medical Center, Alva; Jim Gebhart, Oklahoma City region chair, community president, Mercy; Jonas Rabel, northeast region chair, chief hospital executive, INTEGRIS Miami and Grove hospitals; Michael McBride, Tulsa region chair, regional president and chief operating officer, Ascension St. John Medical Center, Tulsa; and Brent Smith, southwest region chairman, Comanche County Memorial Hospital, Lawton.
Continuing as at-large members are Charles Grim, secretary of health, Chickasaw Nation Department of Health, Ada; Richie Splitt, president and CEO, Norman Regional Health System; and Bennett Geister, CEO, Hillcrest Hospital South, Tulsa.
Corey Lively, CEO, Great Plains Regional Medical Center, serves as the American Hospital Association delegate to the OHA board; and Steven Crawford, MD, chair of the department of family and preventive medicine, OU College of Medicine, serves as the physician member.

The National Institutes of Health has awarded the Oklahoma Medical Research Foundation $3.4 million to study age-related muscle atrophy and weakness.
The five-year grant follows a discovery by OMRF scientists Holly Van Remmen, Ph.D., and Jacob Brown, Ph.D., connecting age-related muscle loss called sarcopenia to a missing nerve signal.
Most people begin to experience progressive loss of muscle mass and strength in their 30s or 40s. The condition becomes more pronounced after age 65, leaving older people susceptible to falls and difficulty performing daily tasks.
“It’s just a natural process of aging, and some people lose more muscle mass and strength than others,” said Brown, a scientist in Van Remmen’s lab.
While inactivity is the most common contributor to sarcopenia, Van Remmen’s team has shown another cause: denervation, which is an interruption in communication with the nerves that connect muscles to the spinal cord. (STORY CONTINUES BELOW)

In recent work published in the journal Redox Biology, Van Remmen and Brown found that muscle makes a metabolite during denervation that leads to muscle atrophy. Metabolites are the products of chemical changes within a cell.
With the new grant, the researchers will study whether blocking the production of this metabolite protects against age-related muscle atrophy in research models.
“This is a novel area of research that we hope will lead to new possibilities to design much-needed pharmaceutical interventions,” said Van Remmen, who holds the G.T. Blankenship Chair in Aging Research. “Ultimately, we hope this path of research will extend the time that older adults can remain healthy and active.”
Without current drug options to treat sarcopenia, Van Remmen added that it’s important for older adults to ward off its progression by staying physically active and maintaining a healthy diet.
“Simple strength and resistance training paired with a diet that includes adequate amounts of healthy proteins can make a world of difference in maintaining muscle mass,” she said.

For physicians Mitch and Kristin Earley, every day is take your spouse to work day. In clinic, they often go by Dr. Mitch and Dr. Kristin to avoid any confusion among patients. He is enthusiastic about men’s health, and she loves women’s health. Together, they provide the whole range of expertise to their patients after recently joining Mercy Clinic Primary Care – Northwest Family in Oklahoma City.
The Earleys met in medical school at Des Moines University’s College of Osteopathic Medicine when Dr. Mitch was going into his third year and Dr. Kristin was entering her first year.
“Our family has taken care of a lot of other families over the years, which has been very rewarding,” said Dr. Mitch.
Combined, Dr. Mitch and Dr. Kristin have over 42 years of experience in medicine. Sometimes patients overlap, which provides a unique experience for those receiving care and their families. As patients grow, Dr. Mitch tends to treat more of the men and Dr. Kristin sees more of the women and children. (STORY CONTINUES BELOS)

“Family medicine is a great field because we have the privilege of caring for multiple generations of families,” said Dr. Kristin. “When you treat the whole family, you have a better understanding of your patients’ health, living and family situation. It completes the picture and allows us to provide personalized and informed support.”
Treating multiple generations of families has also led to some memorable moments. Dr. Mitch said, “I remember one of my patients gave me a hand-drawn picture, and as I tried to figure out what it was, I learned it was multiple generations of family members that either I or my wife had helped take care of in this little girl’s family, which was a fun thing to see.”
Both physicians appreciate providing general family medicine to any patient, regardless of age or gender. Preventive care is also an essential part of their treatment philosophies.
“I’ve wanted to be a physician for as long as I can remember. I was fascinated by how the body worked as a child, and as I pursued my education and career, it developed into an interest about how the whole person works,” said Dr. Kristin. “I want to create a partnership with my patients so we can better their quality of life together.”
In addition to general and men’s health, Dr. Mitch also provides sports medicine expertise to his patients.
“One aspect of family medicine that challenges me is figuring out a diagnosis and then determining the best course of action for a patient,” said Dr. Mitch. “I also really enjoy the diversity of patients that family practice provides. I can practice a variety of skills that helps improve a patient’s life.”
When they are not caring for patients, the Earleys enjoy sports, travel, music, cooking and trying new foods.
Schedule online with Dr. Mitch at https://www.mercy.net/doctor/mitchell-l-earley-do/ and with Dr. Kristin at https://www.mercy.net/doctor/kristin-frady-earley-do/.

Annie Laurie (Ivey) Whited

Annie Laurie (Ivey) Whited of Noble was manager of the gift & book shop at the OU Continuing Ed Center before retiring in 1984. She attended Crosspointe Church in Norman and was a member of the Army Officers’ Wives Club. Annie’s words of wisdom: “Love the Lord, exercise, eat well and love others!”

Anna Lee Kurtz

Anna Lee Kurtz of Oklahoma City is now a centenarian. She attended and volunteered at Catholic churches wherever she lived, volunteered with Meals on Wheels and the Homeless Shelter. Anna says “Stay active, be positive and always be willing to help others!”

LaVerne Cox Tucker

LaVerne Cox Tucker of Sweetwater actively engages in her hobbies of reading, quilting & crocheting. She resides in the house built at the turn of the century that she moved into as a new bride & is involved with the decisions of the farming & ranching with her son & grandson. The Tucker Home Place was declared an Oklahoma Centennial Farm in 2022. Four generations of Tuckers have farmed the 160 acres. LaVerne’s life advice: “Be honest and be true!”

Bella Rose is a 5-year-old therapy pet for INTEGRIS Health Southwest Medical Center and Terry Wulff is her handler. Bella has a very unique skill. She is trained to tuck her tail between her legs while visiting patients in the hospital to keep her wagging tail from hitting medical cords.
INTEGRIS Health has a total of 34 therapy animals walking the halls of our hospitals statewide. They are an integral part of our team, lifting spirits and providing comfort wherever they go.
For more information about volunteer opportunities at INTEGRIS Health visit: https://integrisok.com/volunteer

Are you 60 years of age or better? The Ms. Senior America Pageant is the world’s first and foremost pageant to give honor to the women who have reached the “age of elegance” and Ms. Oklahoma Senior America is now seeking contestants to appear Saturday, April 15, 2023, at the Mustang Performing Arts Center, 200 W. Juniper, Mustang, OK 73064, at 1:00 p.m.
The contestant must be able to display a hobby or talent within 2 minutes and 45 seconds, model a long evening gown, give her philosophy of life within 35 seconds, and sit for a 5 minute interview. An information session about the Ms. Oklahoma Senior America Pageant will be held at the Album Quail Springs, 14201 N. Kentucky Ave., Oklahoma City, OK 73134, on Wednesday, February 1, 2023, from 1-3 p.m.
The winner will be sponsored by the Ms. Senior Oklahoma Foundation to compete in the National Ms. Senior America Pageant in Atlantic City, New Jersey, in October 2023. Her airfare, room and registration fee will be paid by the Foundation. Applications can be filled out on the Ms. Oklahoma Senior America Pageant Facebook page. For more information, contact Carol Kallenberger, Administrator, at msoksramerica@gmail.com.

The Oklahoma History Center is pleased to announce a performance in the Kilgen Organ series featuring organist Christian Elliott. He will provide the accompanying music and sound effects to the American western silent film “The Mark of Zorro” (1920) starring Douglas Fairbanks. This performance will take place on Monday, February 27, 2023, from 7 to 8:30 p.m. Tickets are $10 for Oklahoma Historical Society members and $20 for non-members, and may be reserved by calling 405-522-0765. Doors will open at 6 p.m., and seating is on a first-come, first-served basis.
Christian Elliott is a prominent concert organist, equally at home performing literature of the church and theater. Elliott’s career has included extensive silent film accompaniment at venues including the Academy of Motion Picture Arts and Sciences, the Packard Foundation’s Stanford Theatre and the University of California, Los Angeles. Elliott was privileged to be mentored by several world-renowned organists and worked extensively with the “dean” of silent film accompaniment, Gaylord Carter. Elliott was named Organist of the Year by the American Theatre Organ Society in 2009.