By Oklahoma Insurance Commissioner Glen Mulready

Did you know that life expectancy in the United States for men and women increased by about 10 years between 1960 and 2015? According to the U.S. Census Bureau, individuals over 65 accounted for 16.8% of the country’s total population in 2020. Americans are living longer, and often, older adults rely on long-term care during the later stages of life, which is where long-term care insurance can help. There are several factors to consider when considering long-term care insurance.
What is long-term care insurance?
Contrary to what many might think, long-term care encompasses more than care in a nursing home. This type of care usually includes home care, hospice care, or adult day health care. Long-term care insurance helps to cover the cost of this care. It includes policies providing nursing home care, home health care, community-based care, or any combination. This type of policy does not include coverage provided under comprehensive or major medical policies, Medicare Advantage, or accelerated heath benefit-type products.
How much does long-term care cost?
Long-term care can be expensive. The Cost of Care Survey by Genworth, which breaks down costs for different kinds of care for each state, found that monthly costs in Oklahoma can range from about $1,800 for adult day health care to almost $7,000 for a private room in a nursing home facility. These are median costs for the state and can vary depending on location and level of care.
Does Medicare cover long-term care?
Medicare generally does not cover long-term care. Medicare Part A does cover skilled nursing facility care, nursing home care (as long as custodial care isn’t the only care you need), hospice care and limited home care. You may qualify for long-term care through Medicaid, but you can opt to purchase a long-term policy from a private insurance company.
Do I need long-term care insurance?
When determining your need for long-term care insurance, consider several factors:
• You should consider your personal health situation. If you need assistance with daily activities due to illness or disability, a long-term care policy might benefit you.
• Your age should play a part in your decision, as your need for care increases as you age.
• You should think about your financial situation. Long-term insurance might be a good option if you can afford premiums without financial difficulty.
Which resources are out there?
The National Association of Insurance Commissioners (NAIC) offers a comprehensive shopping guide to long-term care insurance that can answer many questions about this type of insurance. The United States Department of Health and Human Services Administration for Community Living has a Long-Term Care Pathfinder to help locate care and assess needs. As always, if you have any questions about this type of insurance, the Oklahoma Insurance Department (OID) is here to help at 800-522-0071 or https://www.oid.ok.gov.

David and Cory LeNorman have a unique perspective on the critical nutritional needs of newborns and a heightened awareness of the demand for extraordinary care. Their daughter, Quincy, was born 24 weeks into pregnancy, much earlier than the 38- to 40-week period considered optimal by neonatology experts. The family’s personal experience was the driving force behind their dream, and motivated the $1.5 million gift made to establish the Quincy LeNorman Nutrition Center at The Children’s Hospital at OU Medicine. The gift will significantly advance the care provided at the nationally ranked hospital, adding state-of-the art technologies that further elevate best practices in nutritional science.
“We’re both grateful and delighted to accept this generous gift presented by the LeNorman family,” said Jon Hayes, president, The Children’s Hospital. “It perfectly joins the long-held, shared vision of hospital and physician leaders with the heartfelt desire of the LeNormans. Thanks to this funding, we’ll realize a mutual goal to build upon and expand nutrition services that are vital to health and healing of the children we care for at The Children’s Hospital.”
Born weighing less than two pounds, Quincy LeNorman, the center’s namesake, spent the first 88 days of her life in the Neonatal Intensive Care Unit at Children’s. Now 17, she thrives as a student who plays high-school soccer, with no evidence of an early struggle for life. Quincy’s mother, Cory LeNorman, said her pregnancy was normal in every respect, with no hint of trouble until two days before delivery.
“The reason Quincy is here today is because of the great support we received – skilled and dedicated nurses, doctors and other personnel, and a facility that was equipped to provide the best possible care.”
Nearly three months after her birth, Quincy was discharged from the NICU. But the LeNormans never forgot the labor of love that gave Quincy a chance at life. In years that followed, David and Cory began to consider ways to give back that would match their keen interest and address identified needs at The Children’s Hospital.
At the same time, NICU personnel and hospital leaders envisioned better ways to meet their patients’ diverse nutritional demands. Laying the groundwork to bring the vision to reality, leaders toured several NICU centers in the Dallas/Ft. Worth area, observing best practices in neonatal nutrition handling, touring thoughtfully planned facilities, and identifying a model to emulate at Children’s.
Trent Tipple, M.D., neonatology specialist and chief of Neonatal-Perinatal Medicine, The Children’s Hospital, said, “The Children’s Hospital is where the state’s tiniest and most vulnerable patients come for the level of care their complex conditions require. The future center represents another major step forward in neonatal nutrition. Thanks to the LeNorman family, we will have greater capacity to deliver life-saving technologies and redefine excellence in neonatal care.” One of the significant components that will distinguish the new nutrition center will be its use of sophisticated software that will track and analyze detailed metrics information. A human milk analyzer will determine how and to what extent milk must be fortified to meet specific nutritional needs. It will also identify babies whose growth is not progressing adequately.
Jamie Kilpatrick, M.S., R.N., CENP, director of the Neonatal Intensive Care Unit at Children’s, said, “Currently, formula and human milk preparation for neonates is done in a small human milk lab, which we have already outgrown. Feeding preparation for other hospitalized children occurs in a separate area. All services are performed by excellent and expert hospital team members who follow best practices to meet high-reliability nutrition demands. However, a more seamless operation – more centralized and expanded for greater efficiency – will support our capacity to supply the best nutritional services possible on a broader scale.” The proposed nutrition center will benefit not only babies receiving care as NICU patients, but other infants and pediatric patients who face a range of complex feeding needs. These special needs may be related to specific treatment, care or rehab related to surgery, or due to other unique nutritional deficits or sensitivities.

www.harborchase.com

story and photos by Bobby Anderson, Staff Writer

On Sundays strangers gather at New Heights Baptist Church on the city’s south side and sing their praises to the Lord.
But each Monday night, Capitol Hill alumni get together at New Heights to sing in praise of Albert “Ozzie” Ossenkop.
Randy Parsons directs Ozzie’s Capitol Hill Alumni Choir, a group composed solely of individuals taught by the local choral legend.
Members are either Ossenkop’s former students, their spouses or those he taught in church choirs.
Membership is by audition only and encompasses Capitol Hill students from 1963 to 1972.
“But we all auditioned 50 or 60 years ago,” Parsons laughed. “Ozzie was a great showman, a great choral director and taught us not only the love of music but he loved all of us.
“He made us feel special.”
The choir started after a couple of large reunions honoring their former director. Hundreds of students came out of the woodwork for those.
Ossenkop taught for 34 years and passed in 2011 at the age of 89.
During the later years, the group gathered each Christmas to serenade him at Legend at Rivendell.
“Many of the choir stayed in touch and would come to visit and still consider him like a father,” Parsons said. “As he aged our love for him probably increased because we could care for him a little bit like he cared for us.”
But when Ossenkop passed there was a void.
A couple of alumni got the idea of gathering members to sing for the lighting of the Stockyards Christmas tree.
“That’s what got us started and now we are the official choir of Stockyards City and we sing every year at the lighting,” he said. “We figured if we were going to do this let’s do this with the songs Ozzie taught us.”
The choir doesn’t just sing, it performs Ossenkop’s original arrangements he taught back in high school.
This will be the fourth season for Ozzie’s Capitol Hill Alumni Choir, which performs around 14 shows yearly.
In late August, the group performed at the Capitol Hill Alumni Association Annual Banquet.
One of Ossenkop’s students made it all the way. Tenor Chris Merritt has performed all over the world from Carnegie Hall to London’s Royal Opera House.
Ossenkop took his choirs all over as well. Disneyland, Montreal, San Antonio – Ossenkop’s choirs toured performing his annual Musical Extravaganza, a collection of show tunes he arranged.
Member Cheryl Tolsen was part of Ossenkop’s last choir. Coincidentally, her mother was in Ossenkop’s first choir.
“The alto doesn’t fall far from the tree,” Parsons joked.
On Monday nights you’ll find Kathy Perkins, Class of 1968, accompanying the choir on piano the same way she did in high school.
Following Labor Day, Parsons said the group will look to add more members. Anyone who was taught by Ossenkop is welcome to join this month to begin work on the group’s Christmas performances.
Carol Netherton (Class of 68) serves as the group’s secretary and treasurer.
“He was just full of vitality and vivaciousness,” she remembered. “I don’t know anybody who didn’t like him. He was like a father to so many.”
Alana Stephens (Class of 69) described her mentor as ‘“a big old teddy bear.” Seeing Ossenkop each morning at 7:25 a.m. was always a treat.
“He really was interested in all of us kids,” Stephens said. “He wasn’t just a teacher.”
Ossenkop’s expectations were straightforward: no smoking, no drinking, be an A+ person.
Even decades later, when Ossenkop would see one of his students he could tell them what voice part they sang and even remembered details about their families. “One teacher’s influence has been multiplied over all these years and is still being multiplied,” Parsons said. “Nobody pays these people to come. They have to put up with me but they come week after week, year after year. We enjoy each other but our main motivation is we want to honor the guy that started it all.”
Ossenkop left an indelible mark on every member of the choir.
Juanita Gasaway (Class of 1968) still has two pictures of Ossenkop on her cell phone. The first is of him holding her first son in 1970. The second was Ossenkop holding her son’s son in 2010.
“He had a heart of gold,” Gasaway said.

by Greg Schwem

Eight girls, all in their early 20s and adorned with “Birthday Babe” T-shirts, frolicked along the Savannah, Georgia, riverfront amid the city’s St. Patrick’s Day celebration.
“Who’s the birthday girl?” yelled Savannah Mayor Van Johnson, interrupting an interview he was conducting with me.
“This one!” they yelled, pointing to one girl holding a pink beverage.
“Where are your masks?” Johnson said.
“We’re from Florida,” one replied.
“You’re in Georgia now,” Johnson retorted. “Please put them on.”
The girls complied as Johnson briefly stepped away from the camera to pose for a picture. Ironically, we had just been talking about Savannah’s mask mandate, a policy many revelers openly violated in a city known for raucous St. Patrick’s Day celebrations.
The following evening, as I performed stand-up comedy in Savannah’s entertainment district, a clearly overserved woman, in her mid-50s, constantly interrupted my act forcing me, at one point, to ask, “Is it OK if I talk every now and then?”
When the show ended, I slapped on a fake smile as she approached.
“Thanks for coming,” I said.
“I know y’all don’t mean that,” she replied, oblivious to the fact that she was only addressing one person. “But I don’t care. I’m from Georgia.”
In just over 24 hours I had witnessed two instances where state pride was deemed an excuse for risky, and stupid, behavior. I guess it’s time to tear up municipal code enforcement manuals, state regulatory guides and federal law books. Do whatever you want, America. Justify it with your place of residence.
Now of course, this is a humor column so I’m not actually condoning dangerous and illegal activities. In other words, Des Moines natives, don’t cause a miles long traffic jam by driving your John Deere tractor at 10 miles per hour in the middle of Interstate 80 and yelling, “I’m from Iowa!” at frustrated motorists.
But, Brooklynites, feel free to come to Chicago, purchase a slice of deep-dish pizza and fold it on the subway before you consume it. Yes, tomato sauce, cheese and probably a meatball or two will squirt out onto a nearby rider but that’s their problem. You’re from New York.
Conversely, Chicago residents, head to the Big Apple, order a hot dog from a street vendor, take a bite, spit it onto the sidewalk and then refuse to pay because the dog doesn’t contain celery salt. When he looks at you in confusion, show him your driver’s license.
Colorado, when it came to legalizing marijuana, you were trailblazers, no pun intended. But, if you plan to fire up a joint in Alabama, you could be looking at a year in jail and a $6,000 fine. Or you could just tell the arresting officer you live in the land of ski resorts and Coors beer and continue walking toward the 7-11 for a bag of Doritos. I’m sure he’d understand.
According to a 2019 Thrillist survey, Heinz Ketchup is most popular in Pennsylvania, no surprise considering the condiment was invented there. So, Pittsburgh residents, just bring your own bottle into a high-end Nebraska steakhouse and slather it onto that 16-oz T-bone. Better yet, do it in the presence of the chef and say, “NOW it’s perfect.”
Finally, if you are planning to cause a disruption and then proudly announce where you are from, it’s best to be from a state that isn’t known for much of anything. Walk drunkenly into a wedding you aren’t invited to, kiss the bride on the lips and say, “Don’t mind me, I’m from Maine.”
You can make a quick exit while all the guests Google, “wedding traditions in Maine.”
(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)

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

The area is full of many live theater options, and if you don’t reserve your seat in advance you might lose out. If you schedule it, it will happen. If you don’t, it won’t.
Of course you can get in trouble as I did this summer when I bought a nonrefundable ticket to NYC’s Broadway production of Music Man, which I know would win lots of Tony’s and be in high demand in the fall. I scheduled my NYC trip complete with air and hotel reservations for mid October. With a recent physical accident I had to cancel the trip and try and pass along my $400 orchestra aisle ticket to a NYC resident. I don’t regret the buying of it or the canceling of the trip. Reality Bites.
Getting a season subscription to theater nearer your home, you can be relativity sure you can make it. Season subscriptions are the way to go – reserved seats and definite theater times for your calendar
I consider the professional reputation of theater before putting down a lump sum for future enjoyment. One such professional troop is the Prairie Sky Opera Company, who always produce excellent casts who shine with the meaningful and difficult medium of Opera. Recently I took in their Scalia / Ginsburg opera of supreme court justices in the OKC Contemporary Arts. They did not disappoint in this intellectual and ironic story of 2 supreme court justices. Outstanding was the performances of Brian Cheney, Lauren Cook, Jonathan Moots and direction by Rob Glaubitz. It concluded their regular season. Coming up is their Opera Gala at the Skirvin Hotel in OKC on Oct 14th in honor of well known Oklahoma City University voice profession and entertainer, the late Florence Birdwell. Space may be sold out but you might check it out at www.prairieskyopera.org.
I recently happened upon some home town talent at St Luke’s Methodist Church’s Broadway Revue. The local talent was good for the most part and the Broadway theater selections were exceptional. Their Poteet Theater Season (stlukesokc.org/poteet) is about to begin with: Spelling Bee. Season tickets are available.
The Professional company touring shows of OKC Broadway (www.okcbroadway.com/about) always delivers top notch talent with the material they offer in big theater productions in the OKC Music Hall downtown. Their recent tour of Pretty Woman, was week in material and the casting needed some charismatic personalities. But that’s the chance and joy you take with live theater. While the season tickets might be sold out, you can usually get a single ticket somewhere in the massive auditorium. Coming up is: Hadestown, Tootsie, Cats, Book of Morman and Hamilton.
Lyric Theater of Oklahoma never disappoints which can be proven by experiencing the upcoming shows of: Rocky Horror Picture Show, this month, and this season; The Play That Goes Wrong, Concerto, Sound of Music, Prom, Ain’t Misbehavin’ and the add on shows of Big River and A Christmas Carol. This month you can enjoy performances, food and drink at the October 13, Broadway Bash fund raiser at the Oklahoma City Golf and Country Club.
If you are a theater regular be sure and check out the offerings at OKC REP (okcrep.org), the university productions of theater and musicals at Oklahoma City University, University of Central Oklahoma, University of Oklahoma, Stillwater’s Town and Gown, Canterbury, and Guthrie’s Pollard, among others. Many are looking forward to the reopening this fall in brand new location, of the longtime theater company of Carpenter Square. (www.carpentersquare.com) Oklahoma is not lacking for live entertainment.
It is said, especially with senors, that it makes life more enjoyable if you have something which to look forward. I am looking forward to the April 15 Philharmonic concert of virtuoso violinists, Joshua Bell. (www.okcphil.org) I bought my single ticket as soon as they were offered, and reserved my orchestra aisle seat. I have experience this artistic talent the last three times Bell performed in Oklahoma. It is also said that the greatest compliment you can give, is if you would do it again. Needless to say my compliments to Joshua Bell (joshuabell.com). He is scheduled to perform Mendelssohn: Violin concerto in E Minor, op 64 and Beethoven: Symphony No. 7 in A Major, op 92. But anything Bell performs is exceptional.
Reserve it and enjoy it.

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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