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/.

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!”

Story by Bobby Anderson, RN, Staff Writer

The new year has brought a new round of hospital layoffs as healthcare systems nationwide deal with surging labor costs, shortages, and declining revenues.
Locally, the first two weeks of January saw layoffs from Integris Health as well as OU Health.
Integris announced it was cutting some 200 positions while OU announced an equal number of layoffs.
In a statement, OU health announced the layoffs would coincide with its planned restructuring.
“As part of the redesign, OU Health will move from a holding company to an operating company structure with duplicative services and positions being eliminated,” the statement read. “An estimated 200 positions will be reconfigured to the new structure, which integrates the organization into clinical business.”
Integris Health announced its reduction would be the result of a combination of cuts.
“Financial challenges are multifold, but some include a dramatic rise in expenses due to labor shortages and supply-chain disruptions, and significantly lower patient volumes compared to pre-pandemic days,” the statement read.
Integris laid off 140 positions and cut 60 vacant jobs, according to a spokeswoman.
The healthcare industry has suffered from nursing shortages and the winter’s omicron surge, forcing many organizations to turn to contract workers demanding higher rates.
The loss of Covid subsidies from the federal government also impacted the ability to keep up with rising labor costs.
Many systems find themselves in a counter-intuitive role of both cutting positions while trying to recruit and retain nurses.
OU Health announced its organizational redesign to complete the integration from its historic merger on July 1, 2021.
OU Health was created as the flagship comprehensive, integrated academic health system to improve the care and outcomes for all Oklahomans. As the state’s academic referral health system, OU Health plays the unique role of providing critical specialty services with access to advanced technology and expertise.
“OU Health needs to support and enhance the capabilities of the state’s vital rural and regional hospitals as the flagship academic referral center. All care that can remain in a community should remain local, but if the patient needs a higher level of care, OU Health is here to serve,” said OU Health President and CEO Richard Lofgren, M.D., MPH.
The organizational redesign and operational restructure will enable OU Health to improve efficiencies and grow its impact in the state and region as well as create a highly integrated, modern clinical platform, one that serves even more Oklahomans.
“In order to grow and adapt to industry changes, we need to perform in terms of the quality of our services, patient experience, and the efficiency and effectiveness of our processes,” Lofgren said. “Oklahoma needs the unique specialty and sub-specialty services we provide. We are positioned with dedicated physicians and staff to fully realize our special mission of clinical care, education, and research. We are committed to our role of continuing to improve the care and outcomes for the region and beyond.”
Both health systems are still actively hiring bedside nurses offering both recruitment and retention bonuses.

by Greg Schwem

“Get off my pickleball court!”
I know, I know. That phrase may never reach pop culture status like, “Get off my lawn,” which curmudgeonly Clint Eastwood famously uttered in “Gran Torino” and, ultimately, became an ode to petulance and turf wars.
But, come on, when did these “kids” start playing the sport that was supposed to be reserved for old farts like me? Former “athletes” with knees that now creak, feet that swell and elbows that throb after completing simple tasks? Like getting out of bed. We took up pickleball because it’s the only sport left that, at our age, produces sweat but not a potential 911 call. If we’re too infirm for pickleball, all that’s left is bowling.
For a while, we were happy. We knew the one or two pickleball courts in our subdivisions would be empty when we rolled up with our posse of fellow retirees and snowbirds. Meanwhile, the Gen Z crowd jogged by, not even trying to hide their snickers and guffaws as they watched four guys flailing at a wiffleball, occasionally yelling, “KITCHEN” or “THREE TWO ON THE ONE” before launching a serve — an UNDERHAND serve. We didn’t care; we’d found our happy place, and, even better, knew it was created exclusively for us. Sort of like early bird dinner at Denny’s.
Or so we thought.
Now we fight for court space with those same Gen Zers, the ones who eventually stopped jogging, picked up paddles and decided to give America’s fastest growing sport a try. Oh, and they did more than try. While our medicated ointment was drying on our aching muscles, they were silently taking over. (STORY CONTINUES BELOW)

On a recent Friday evening at a suburban Chicago tennis club, it was hard to find any actual tennis players. Instead, more than 80 people, me included, converged for open play on tennis courts that had hastily been converted into pickleball courts via brightly colored tape that doubled as boundary lines.
As I waited for a court to open, I scanned the area and estimated at least half the players were younger than 35. The figure was probably higher; my deteriorating eyesight made it difficult to make out shapes on the outer courts.
What’s worse is that, in between drop spins and stacks (OK, I’ll stop with the terminology), they were discussing post-pickleball plans. Some talked of going out for drinks. Or dinner. At 9 p.m.!
After pickleball, the only thing I go out for is Advil.
Thankfully, in pickleball, younger does not necessarily mean better when it comes to skill. I have found the Gen Z set lacking in patience during an extended rally of cross-court dinks, preferring a smash when the ball is nowhere near at “smash level.” Gen Zers, if that sentence befuddles but also intrigues you, grab a paddle and join the fun.
But consider this your warning. “Fun” to grizzled pickleball veterans means you will most likely be on the receiving end of a pickleball hit with full force and aimed directly at your midsection.
It’s not that we hate you personally; rather, we are angry that our sport, almost overnight, doubled in popularity because a younger demographic wanted to be part of our playdates. And what are we supposed to do to exact revenge? Crash your MMOGs? (Massively Multiplayer Online Games). We don’t own Xboxes; we buy them for our grandchildren.
So, we’ll take out our frustrations on the pickleball court, specifically against you, bro with the backward baseball cap, baggy shorts and “Lollapalooza ’22” T-shirt, who took up pickleball because the courts were walking distance to his favorite karaoke bar. We’ll apologize when the point’s over.
Or maybe we won’t. Maybe we’ll do the snickering. Or maybe we’ll high-five our partners as we return to the baseline and get ready for the next point.
On second thought, it’s probably not a good idea if we high-five.
We might sprain something.

(Greg Schwem is a corporate stand-up comedian and author of two books: “Text Me If You’re Breathing: Observations, Frustrations and Life Lessons From a Low-Tech Dad” and the recently released “The Road To Success Goes Through the Salad Bar: A Pile of BS From a Corporate Comedian,” available at Amazon.com. Visit Greg on the web at www.gregschwem.com.
You’ve enjoyed reading, and laughing at, Greg Schwem’s monthly humor columns in Senior Living News. But did you know Greg is also a nationally touring stand-up comedian? And he loves to make audiences laugh about the joys, and frustrations, of growing older. Watch the clip and, if you’d like Greg to perform at your senior center or senior event, contact him through his website at www.gregschwem.com)

Two venues with two different topics will include more education partners

Beginning its eighth year of free educational seminars, the Senior Living Truth Series has announced expansion of its offering with two different workshops each month in two separate locations.
The new locations are in the Atrium at Crossings Community Church, 14600 North Portland Ave, and the Patience S. Latting Northwest Library, 5600 NW 122nd St. Programs at Crossings will be on Thursdays, and programs at the Northwest Library will be on Tuesdays.
“Both new venues offer more education-friendly environments,” said co-moderator Dr. Nikki Buckelew, PhD. “We are hoping to attract a more diverse audience.
“The success of the Senior Living Truth Series is due largely to the support of our education partners.
It is because of them we are able to continue offering the programming at no cost to attendees. In addition to their financial contributions, education partners are selected due to their commitment to providing information and resources to attendees without obligation. That’s right – no sales and no sales pitch – ever. We want people to make informed decisions with no strings attached.” (STORY CONTINUES BELOW)

Attendance has ranged from 150-200 monthly at the past location, Quail Creek Golf & Country Club, but the Crossings location will accommodate even more in an education-friendly environment. While the Northwest Library location is smaller, Buckelew said she was excited to be able to add this educational opportunity to the library’s calendar.
She will remain the primary moderator for the Crossings seminars, but education partners will rotate responsibility at the Northwest Library location. Topics will be more broad-based, and this venue will include more panelists.
One education partner expressing excitement at the expansion was Marilyn Olson, VillagesOKC executive director.
“Professionals and organizations who provide information without a sales pitch give added meaning to the phrase ‘knowledge is power,’ ” Olson said. “Mature adults are seeking trusted information – more than from the internet. This is a free monthly series providing that opportunity. Here attendees learn from a wide variety of professionals and organizations who present, and sessions also allow time for attendees to talk personally with education partners.”
Here are the January series topics:
January 12 in the Atrium at Crossings Community Church
The Truth about Choosing Your ‘Forever’ Home: Staying Put or moving on
Maybe you’ve decided to stay in your current home and “make it work” or is it possible you’ve decided to sell your current home and buy another one in preparation for getting older. Some people call this next home their “Forever Home.” Either way, you’ve made a choice to avoid moving into a retirement community.
January 24 at the Northwest Library
Smart and “Not so Smart” Accessibility Ideas for Your Home
Planning to stay in your current home for the long haul? If so, you’ll want to know the most up to date accessibility features designed to make your life easier. Our panel of experts and education partners will share gadgets, tools, and strategies for helping you live safely and comfortably.
Seminars are scheduled from 10 a.m. to 11:30 a.m. Seating is limited, and pre-registration is required at 405.563.7501 or:
https://seniorlivingtruthseries.com/.
A complete list of monthly topics is located at:
https://seniorlivingtruthseries.com/.
Senior Living Truth Series provides candid conversations concerning today’s senior living issues and options with panelists who specialize in the topic areas. SLTS provides education and resources designed to help people live empowered lives and make informed decisions. Its motto is “Educate. Equip. Empower.”

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/.

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/.

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.