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!”

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/.

Story by Darl Devault, Contributing Editor

Seniors seeking affordable books and audiobooks can shop at the largest used book sale west of the Mississippi—the annual free two-day 43rd Friends of the Metro Library Booksale 2023. Thousands of book lovers will line up early Saturday, February 25 and Sunday, February 26, well before the 9 a.m. opening in the Oklahoma Expo Hall at the Oklahoma City State Fairgrounds. The sale closes at 5:30 p.m. each day.
“This event is such a great opportunity for folks to build a personal library and support the public library,” said Heather Zeoli, Metro Library System director of development.
Providing a diverse selection of paperback and hardcover books, CDs, DVDs, magazines and more for every demographic of customers this year, the sale’s theme is “Books Bring Us Together.” The books and much more feature a wide range of subjects—including fiction, nonfiction, cookbooks, biographies, medical, westerns, romance, children’s, encyclopedias, reference and foreign language books. Thousands of big print books printed are offered with larger point-size fonts to make it easier to read if you have weak eyesight, along with thousands of audiobooks.
In the General Area, hardback books are two dollars, paperbacks are one dollar (children’s paperbacks are 50 cents), and magazines are 3 for a dollar. Price lists for items in the general section are available online at supportmls.org/fol/booksale. Collectors go for the Items in the Better Books Room, which vary in price, mostly under $5.
The sale raises money to support the Metropolitan Library System In its 42-year run, the Friends have given more than $5 million in grants to the system. (STORY CONTINUES BELOW)

All of this is the product of the tireless efforts of hundreds of volunteers each year. “The volunteer connection lasts through the whole year – we hope everyone will come and join us for new friends and new books,” Zeoli said. Volunteering can provide seniors with a sense of purpose and fulfillment, an opportunity to socialize and connect with others, and positively impact their mental and physical health. It is a great opportunity for seniors to stay active and engaged with the community and contribute to positively impacting their peers’ lives.
With 800,000 books available, the sale becomes the largest bookstore in Oklahoma. Selective shoppers are advised to volunteer or join the nonprofit to ensure the best possible purchasing opportunity. Volunteers helping this year will be treated to the best possible selection opportunity available by having access to the sale on Thursday for a special volunteers-only session. Volunteer shifts are still open, as the group needs your help, so please visit supportmls.org/volunteer.
All volunteers receive a free T-shirt, service hours, and the chance to purchase items before the members’ sale. Volunteers are also welcome to shop on Sunday night and take materials for free. “Love of books and reading inspired my volunteering with the Friends of the Library,” Valerie Hernandez said. “Making sure others have the opportunity to select from all these books is why I help at both the sort site and the sale.”
Customers shop for many reasons. Some try to select bestsellers, classics, collectibles and research books needed for school. Others seek to complete personal libraries in certain subjects, while parents strive to enhance their children’s reading exposure.
Those who become members for $15 ahead of time can shop a Presale from 1 – 7 p.m. on Friday, Feb. 24. Held the day before the sale goes public, members are invited to first access. Children 11 and under accompanied by an adult are free. Those wishing to join the Friends may purchase memberships online until noon on February 23 by visiting supportmls.org/fol/membership. No memberships will be sold at the sale.
The sale is well established on the literary sale calendar for customers from all over Oklahoma, surrounding states and the region. The multi-day event attracts more than 10,000 book shoppers. Each year, a quick parking lot survey shows many customers are from out of state, coming to Oklahoma for the vast selection. In some ways, the diverse selection offered represents a snapshot of high-quality current American publishing with the bonus that everything is available for affordable purchase.
The Friends offer a year-round Amazon store to access their selection at Amazon.com. They also provide ‘Buy the Box’ sales where volunteers package and seal books by genre – buy a box of romance, mystery or children’s books – and enjoy the surprises inside.
The shopping is so robust at the sale volunteers offer a dozen checkout points in each section. And yet, so many customers arrive early a line forms for the first few hours each day.
The shopping is intense, almost competitive, as this is a once-a-year opportunity. Customers quickly buy the best music or audio CDs, gaming systems and video games, eReaders, DVDs and vinyl records. Organizers ask shoppers to refrain from bringing wheeled carts so everyone can quickly move among the sections of tables laden with thousands of books. Tables include a broad cross-section of interest, including books by Oklahoma authors—to books about Oklahoma.
Some year’s special sections offer brand new books donated when bookstores and Oklahoma publishing houses use their donations to balance their inventory.
Many business and industry concerns are well represented when entities going out of business donate their libraries. Retiring attorneys and doctors donate to provide shoppers the chance to buy current-within-four-years law textbooks or books of law statutes and medical textbooks or medical journals at a steep discount.
On Sunday night from 6 – 8, educators and nonprofits are invited to visit the sale and take home any leftover items for free. For more information and registration, please visit https://supportmls.org/npt/.

Again, volunteer shifts are still open, as the group is looking for help. To volunteer for the Booksale, visit https://supportmls.org/fol/volunteering/.

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/.

If your organization is having an upcoming event, let us know. Email the information to news@okveterannews.com

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.

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.”

Story by Darl Devault, Contributing Editor

Our legislators need to “Hear Our Voices” about issues concerning seniors in Oklahoma, especially since COVID-19 restricted the ability to interact with them in person for the last three years. Organizers ask seniors to recruit a friend and attend the Senior Day at the Oklahoma State Capitol on the morning of February 27, 2023.
Seniors can inform their legislators about important issues seniors face while aging in Oklahoma. They can explain their views on securing funding for home and community-based services, senior nutrition programs, transportation, healthcare accessibility, and caregiver support services.
Attendees are invited into the House Chambers in a once-a-year opportunity to fill the members’ seats and House gallery as they hear from their senators and representatives about their legislative agendas this session. This activity can help prompt them to take positive actions on bills addressing the full spectrum of aging that are in the best interest of seniors. (STORY CONTINUES BELOW)

Participants are also encouraged to visit the legislators in their offices and meet their staff for contacts they can follow up on later. Everyone can take a guided tour of the renovated capitol. Seniors will also visit nonprofit and government agencies’ exhibitor booths on the second-floor rotunda providing a wide range of information about senior needs and issues and their services.
Visitors can join hundreds of other seniors that day for a moderated discussion on the top issues facing the aging population throughout Oklahoma and programs designed to help seniors live their lives with dignity and independence.
Registration runs 8-9:45 a.m. with exhibitor booths available: 8:30 a.m. – 1 p.m. Seniors attend an official welcoming presentation in the House of Representative Chambers at 10 a.m. and can visit with their legislative members from noon – 1 p.m. Pease allow a short period before your first event to get through the Capitol Security checkpoint.
The annual event is a chance for Oklahoma’s seniors and their advocates to discuss the needs of the more than 875,877 adults age 60 and older in Oklahoma and approximately 140,000 adults age 80 or older. By 2030, the population of older Oklahomans is projected to increase by 21.3 percent, and for the first time, seniors are expected to outnumber children.
The beginning of a legislative session is the best time for seniors to interact with their elected representatives. This is when new laws are being proposed and discussed and when legislators are more likely to be open to hearing from their constituents.
Organizers say the group of seniors gathered that day should be large enough to show legislators the significant number of seniors affected by the lack of services and resources. “The emphasis on Senior Day is many seniors being present at the Capitol to show Legislators their determination to be heard,” said Trish Emig, president of the Oklahoma Silver Haired Legislature Alumni Association. “We must make sure our voices are heard about treating all Oklahomans well from birth to 60, 80, 90 and beyond.”
Seniors can also provide legislators with specific examples of how the lack of services impacts their community. For example, they can talk about the lack of affordable housing options for seniors, the shortage of home healthcare providers, or the limited access to public transportation in rural areas.
This opportunity to gather at the Capitol also allows seniors to network with other seniors and advocacy groups that share their concerns. They can share information and strategies for effectively communicating with legislators and organizing to make their voices heard.
Seniors can prepare before attending the special event. They can research the current laws and policies that affect seniors and be ready to discuss them with legislators. They can then make specific recommendations for improving services at long-term care facilities, including nursing homes, assisted living and similar adult care homes and seek more funding and support for other vital services for Oklahoma seniors.
Please pre-register at: https://forms.office.com/g/5CYnvwvF1F and open the hyperlink. For more info, contact Alliance on Aging- at 405-943-1895 or https://okallianceonaging.org/.