Friday, January 16, 2026

New Law Protects Storm Victims

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A new law requested by Insurance Commissioner John D. Doak aims to protect Oklahoma storm victims. Senate Bill 439, signed by Gov. Mary Fallin Monday, ensures transparency and accountability in the insurance adjusting process.
“I am proud that Gov. Fallin and the Oklahoma Legislature saw the importance of this bill,” said Doak. “After a natural disaster, storm survivors are vulnerable. This new law will protect Oklahomans by making sure all public adjusters follow the same rules.”
Public adjusters are licensed insurance claims adjusters who appraise and negotiate an insurance claim on behalf of the policyholder. Unlike an insurance company adjuster, public adjusters advocate for the claimant.
Senate Bill 439, written by Sen. Marty Quinn, R-Claremore, and Rep. Randy Grau, R-Oklahoma City, specifies certain required and prohibited actions of public adjusters. It also sets requirements for contracts used by public adjusters. Some of the new rules include:
Cannot charge more than 10 percent of the total claim on a non-commercial claim after a disaster.
Must hold any insurance proceeds on behalf of the policyholder in a non-interest bearing account in a FDIC-insured bank.
Claim records must be kept for at least five years and are subject to inspection by the Insurance Commissioner.
The new law also states that unauthorized adjusting practices in the state of Oklahoma will be considered a misdemeanor.
“In light of the recent devastating storms in our communities, this legislation is as important as ever and will serve to protect our citizens when they are most vulnerable,” Grau said. “This bill is the result of the hard work and collaboration of numerous individuals including Commissioner Doak, two national public adjusting organizations, local public adjusters and consumers.”
“This common sense reform is a huge step toward protecting Oklahomans when they need it most,” Quinn said. “I’m grateful to the Insurance Commissioner and his staff for working to pass this legislation and grateful to Gov. Fallin for signing the bill.”
The law goes into effect November 1.
The Oklahoma Insurance Department, an agency of the State of Oklahoma, is responsible for the education and protection of the insurance-buying public and for oversight of the insurance industry in the state.

Chisholm Trail Museum in Kingfisher Launches $6 Million Fundraising Campaign

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The Chisholm Trail Museum in Kingfisher celebrated its 60th anniversary on April 22. To celebrate this milestone, a new campaign dedicated to expanding and renovating the museum launched on May 1.
This project will allow the museum to rebrand as The Chisholm and refocus its mission to provide a more sustainable future while ensuring that Oklahoma’s farming and ranching history, from its early roots to contemporary issues, are shared. Farming and ranching have long played a role in shaping the lives of Oklahomans and our state. This campaign will allow the museum to combine the old with the new.
“At The Chisholm, we will strive to engage, educate, and enrich our community and those who explore it by making the unique stories of Oklahoma’s past relevant to today’s visitors,” reported Jason Harris, executive director of the museum. “We sit at the crossroads of Oklahoma’s wheat belt and along the Chisholm Trail. Our location makes us an ideal place to share exhibits on indigenous agriculture and herd management, the cattle drive era, agriculture mechanization and modernization, conservation efforts, ranch rodeo, agriculture and the environment, and more.”
The museum’s new exhibits will focus on the individuals, families, and industries that have shaped Oklahoma agribusiness through the decades.
More than $1.5 million has been allocated for The Chisholm out of $46 million in Legacy Capital Financing funds given to the Oklahoma Historical Society by the legislature to make improvements across the state to more than 20 sites. The museum plans to raise additional private funds through 2026, with work beginning at the complex this summer. This campaign will enable the museum to completely renovate the museum building and its mechanical systems, preserve historic structures in the heritage village, complete extensive preservation work on the territorial governor’s mansion, and allow for better visitor experiences and care of its collections. The design includes creating new educational and community meeting spaces, modernizing collections storage for artifact care, providing improved ADA accessibility, installing new exhibits throughout the museum complex, and more.
“It is about more than just our buildings,” Harris said. “It is about transforming the museum to appeal to many of our state’s citizens and visitors while helping the OHS meet its institutional goals. Our objective is to provide our community with an invaluable resource while stimulating tourism in the region.”
With more than three-quarters of the state as farmland, agribusiness is big business in Oklahoma. Today, Oklahoma is home to more than 77,000 farms and ranches, ranks second in the U.S. in cattle production, fourth in the number of farms, and shapes agribusiness across the nation through education training.
The Chisholm Trail Museum is located at 605 Zellers Ave. in Kingfisher. Call 405-375-5176 for more information or visit thechisholm.org.
The Chisholm is an affiliate of the Oklahoma Historical Society. For more information about the OHS, please visit https://www.okhistory.org/.

Raising a glass: 23rd Street armory new again

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COOP Ale Works is brewing up big plans for the 23rd Street Armory which housed the 45th Infantry Division.

Bobby Anderson
Staff Writer

A piece of national history right here in Oklahoma City will soon be repurposed as the 23rd Street Armory is brought to life once again.
The home to Oklahoma’s National Guard for decades, the building will soon be revitalized by new owners COOP Ale Works.
The Oklahoma Office of Management and Enterprise Services (OMES) recently accepted the company’s proposal to acquire and redevelop the armory, which includes restoring the building and creating a unique experience.
“Oklahoma City is our home and we always wanted to return to the core of the city. In planning for a final home for the brewery, we wanted to find a place that is meaningful to our town and state, and gives us an opportunity to create an incredible experience,” said Daniel Mercer, co-founder of COOP Ale Works. “The Armory, with its unique history, structure and space, is the perfect fit and we believe it will become a venue that attracts visitors from across the state, country and world.”
Under COOP’s proposal, the 87,000-plus-square-foot building will be purchased from the state for $600,000 and returned to its former glory with updates to the interior functionality. The exterior will be maintained to honor its unique history with modern refreshes, including updated windows, while the inside will be transformed into a bustling brewery production floor, full-service restaurant, 22-room boutique hotel, multiple event spaces, offices and meeting rooms.
In total, COOP plans to dedicate $20 million to the overall project.
A 60-barrel, state-of-the-art brewhouse on the first floor will be the heart of the operation. Fermentation, conditioning, packaging and other production equipment will occupy the remainder of the 22,000-square-foot drill hall floor. More than 30,000 square feet of perimeter space surrounding the production floor will house brewery storage, offices, barrel aging, cold storage, shipping, receiving and more.
On the second floor, the east wing will become an 8,000-square-foot restaurant and taproom, with indoor and patio seating for more than 160 patrons. The full-service restaurant will serve a diverse collection of food and beverages. On the third floor of the east wing, dedicated event spaces will be available for community and private events.
Sean Mossman is the director of sales and marketing for COOP Aleworks. The need for expansion for COOP started two years ago, just two years after moving into a second venue.
“We began to start looking for places that could house a much bigger operation for us,” Mossman said. “Among the things we really wanted along with space was to create a brewery Oklahoma City could be proud of. To accomplish that we needed to move back into the urban core which is in the process of being revitalized.”
“When we saw the Armory and it became available it was a real no-brainer. It checked every box.”
COOP Ale Works is a craft brewery based in Oklahoma City, dedicated to brewing full-flavored beers. Since 2009, COOP has created a core lineup of six year-round canned beers in addition to four seasonal canned beers.
A 22-room boutique hotel will tie the experience together. Hotel rooms will occupy the second and third floors of the west wing of the building with a refined lobby located on the west side of first floor to welcome guests.
The proposal also includes five acres surrounding the armory building as well as leases for two adjacent properties. The additional properties will provide substantial parking, opportunities for retail and downtown living, and green space.
A new building would have been easier but Mossman said COOP wanted to strengthen ties in OKC.
“We focused early on for something on the Register of Historic Places or just meant something to the community through time,” Mossman said.
The 23rd Street Armory, constructed in 1938, was designed by architect and Oklahoma Army National Guard Major Bryan Nolen and was built as part of the Depression-era Works Progress Administration. At the time of its original construction, it was promoted as the only armory in Oklahoma funded entirely by state funds generated from oil wells located on the Oklahoma State Capitol grounds. The three-story building served as the state’s hub for the Oklahoma National Guard and the storied 45th Infantry Division.
“Our commitment to preserving the building is really important from our perspective as is doing honor to the 45th Infantry,” Mossman said. “We’ve gotten testimony from dozens of people who have went through that building and it means so much to them and they’re excited somebody is doing something with it that’s meaningful and it’s not being knocked down and forgotten.”
Mossman said COOP will invest $20 million into renovations with projected annual economic activity of $26 million to OKC.

Non-profit giving away money

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Central Oklahoma Chapter of Hearing Loss Association of America has received scholarship applications and is now in the process of determining which two applicants will receive $1,000 each for the fall semester of college next year. This is the second year that the Central Oklahoma Chapter of HLAA has given scholarships to local students. The summer season sees activities slow down but one would not know it from the schedule. This is a time of fun and planning for HLAA Central Oklahoma Chapter. May and June the chapter holds “fun” nights instead of regular chapter meetings. Several local members are preparing to attend the national convention in Salt Lake City this June. In August we have an ice cream social where new chapter officers will be introduced and our scholarships will be awarded. All events are open to the public and there is no charge for attendance. Visit our website for more information. WWW. OKCHearingLoss.org.

Jefferson’s Garden ACMA Receives Award

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Emily Ardoin, winner of 2015 OKALA Caregiver of the Year award.

The Oklahoma Assisted Living Association recognized Emily Ardoin as the winner of 2015 OKALA Caregiver of the Year award. Ardoin serves as an Advanced Certified Medical Aide at Jefferson’s Garden.
“Emily is truly a team player. She’s willing to fill in wherever we need her,” said Donna Kilgore, Residence Director at Jefferson’s Garden. The award indicates Ardoin has shown excellence in the care of Oklahoma seniors since August 2010. It also proves the exceptional performance of her duties within Jefferson’s Garden Assisted Living.
Emily is respected and admired by her fellow associates and she can always be counted on to help where she’s needed.
“Emily pays great attention to residents and details. I’m so glad to have her on my team,” said Adrian Carpenter, Health Care Coordinator at Jefferson’s Garden.
Everyone says Ardoin’s smile and cheerful spirit is infectious. Residents adore her and she adores them.
Jefferson’s Garden is a Legend Senior Living residence. Legend Senior Living is a privately owned company founded in 2001 by Timothy Buchanan and is dedicated to providing quality services and housing to senior adults. Legend Senior Living owns and operates Senior Living Residences in Kan., Fla., Colo., Okla. and Texas.

The Power of Encouragement

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Debi Sims, RN, BSN, BF-CMT, Memory Care Manager, helps prepare for the Luau that the residents will enjoy at Touchmark at Coffee Creek Retirement Community in Edmond, OK.

by Vickie Jenkins
Staff Writer

Touchmark is the premier retirement community in north Edmond where they offer elegant independent and assisted living plus memory care. Their mission is to enrich people’s lives.
This is where you will meet Debi K. Sims, RN, BSN, BF-CMT, and Touchmark’s Memory Care Manager where she has been working for the last four years. Debi has been a nurse for a total of 23 years and loves every minute of it. “I can’t imagine doing anything else,” she said.
Growing up in the bay area of California, she moved here with her parents in the mid 60’s and has lived here ever since. Attending nursing school, she received her BSN at East Central University in Ada, Oklahoma. “My first job as a nurse was at Rolling Hills Psychiatric center in Ada, OK. I worked with adolescent boys. I still have a lot of friends from those days and it remains one of my favorite jobs. I never would have seen myself as a nurse manager if Brian McCoun hadn’t pushed me in that direction. Now, I can’t image doing anything else,” she commented. Unless, I had followed my childhood dream of being an artist,” she said with a laugh. “Doesn’t everyone want to grow up and be an artist?” she asked.
There are several special people from Debi’s life that influenced her to be a nurse. “That would be my mother, Patsy Marie Penrod, and her patient-my sister, Kellie Marie and my friend, Tom Hunt, RN at Bellevue.”
Debi explains how she became a nurse a little later in life. “My decision to be a nurse came because of a divorce. I had three children to raise and nursing was a way of life for me. I watched my mother take care of my dying sister for years. My mother is my nursing inspiration. My gifts have always been encouragement and teaching and both of those worked out well in the field of nursing,” Debi commented.
Asking Debi what qualities make a good nurse, she replied, “Compassion is good, but a nurse has to be tough, gritty and stand in the gap for the patients or residents that they serve. Many times, you will be the one voice.”
What is your biggest reward as a nurse? “Being a nurse is a daily blessing. I have peace knowing that my hands have worthy work to do and that my life is invested in something that makes a difference in people’s lives; in the patients, families, coworkers and my immediate family,” Debi replied.
What is your biggest challenge? “Protecting my time. I have to balance a demanding schedule and obligations with my chief priorities in life; God, family and career,” she said.
Asking Debi if she had any mentors while she was in school, she said, “Dr. G. Black was my greatest mentor. The first day of class at 34 years old, I sat on the front row of his Zoology class and tears silently streamed down my face as I listened to him discuss the building blocks of all living things. I slowly gathered my books and walked out of the science hall and sat under a tree in absolute shock. I couldn’t do this, I was in over my head, I heard a voice above and looked up and it was Dr. Black.”
“Here, read this chapter that I copied from an old text book, know the material and you will be fine, he said. Then he slowly walked away. I read it and after a few weeks with a big grin on his face he let me know that I had been setting the curve in his class. Sometimes, your whole life can be traced back to one person who encouraged you.”
Debi’s hobbies include her first love of traveling. I also enjoy writing, poetry and scrapbooking. “I love spending time with my greatest blessings of all; my three children: Jillian, April and Hunter, and my two grandsons, Luke and John. Not to forget my faithful dog, Lexi, my long haired mini dachshund.”
As far as encouraging words go, Debi has a poster in her office that has traveled with her from her DON days at Epworth Villa, “The poster is Rosie the Riveter. ‘We can do it!’ Cause we can! As a nurse manager, we are just a part of the team. We never lose sight of the team. No one is more important from the other.”
Summing up her life in one word: “That word is: CHALLENGING.
TOUCHMARK AT COFFEE CREEK is located at 2801 Shortgrass Rd in Edmond. Call (405) 259-4102 or visit www.touchmark.com for more information.

www.CarePluisatHome.com

OK American Cancer Society Cattle Baron’s Ball Celebrates 16 Years of Saving Lives

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The Oklahoma American Cancer Society hosts the 16th annual Cattle Baron’s Ball at 6 p.m., Saturday, September 15 at the Historic Farmer’s Public Market, 311 S Klein Ave. in Oklahoma City.
The evening’s festivities include: dinner, drinks, games, dancing to bluegrass and western swing music from Kyle Dillingham & Horseshoe Road, and both a luxury live and silent auction. Single tickets are $250; table sponsorships are available for an eight-top at $2,000 and 10-top at $2,500.
Rachel Stratton, Development Manager of Distinguished Events for the American Cancer Society, says the Society asks central Oklahoma businesses to join other community leaders and executives in sponsoring a table in honor of a cancer warrior who works at or is close to their organization.
“Cancer is the second leading cause of death in our state, with 49 Oklahomans diagnosed every day. Nearly everyone knows someone directly affected by the disease, so let’s use this opportunity to lift them up and raise money to help find a cure,” said Stratton. “During the event, a special ceremony will be held to recognize all honorees.”
The Society funds research for a cure and also serves as a primary support resource for cancer patients. This includes operating a 24-hour hotline (1-800-227-2345), rides to and from treatment in the Road to Recovery program, as well as free or reduced-cost lodging, and help managing appearance-related side effects of treatment.
This year’s Cattle Baron’s Ball speaker, Talia Lane, was diagnosed with Hodgkin Lymphoma in 2004. She has been in remission for 14 years. Lane credits the Society with helping her beat cancer and for giving her a platform to empower others battling the disease.
“The American Cancer Society has been the biggest support and volunteer group for me since finishing my treatment. The whole experience has allowed me to help raise money for the Society and bond with other cancer survivors. It is so great knowing that current and future cancer patients will have so much help and support through the Society,” said Lane.
To sponsor a table or purchase individual tickets, visit: cattlebaronsballokc.org or email: rachel.stratton@cancer.org. Also, between now and September 14, when you make a $25 donation to the American Cancer Society online, you will be entered in a drawing to win an OKC Staycation valued at $500. The winning donor will be drawn at the event, and announced on the Cattle Baron’s Ball Twitter and Facebook pages on Monday, September 17.

HELP WANTED! WORK FROM HOME!

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HELP WANTED!

WORK FROM HOME!
Advertising Sales

Senior News and Living and Oklahoma’s Nursing Times is looking for and Advertising Sales Executives. This salary/commission positon. Job Description: Immediate opening. We Are seeking an Advertising Sales executive to continue our growth in both the monthly Senior News and Living and our weekly Oklahoma’s Nursing Times (registered and licensed practical nurses). These are two very uniques niche publications with a strong readership and advertising following. View publications at www.okveterannews.com and www.oknursingtimes.com . Full and part time options available. Call Steve at 405-631-5100 ext 4 for more info or email steven.eldridge@okveterannews.com. EOE

What to Do When Medicare Tells You No

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Dear Savvy Senior, How do I go about appealing Medicare when they won’t pay for something that they covered in the past? Rejected Rhonda

Dear Rhonda,
If you disagree with a coverage or payment decision made by Medicare, you can appeal, and you’ll be happy to know that around half of all appeals are successful, so it’s definitely worth your time.
But before going that route, talk with the doctor, hospital and Medicare to see if you can spot the problem and resubmit the claim. Some denials are caused by simple billing code errors by the doctor’s office or hospital. If, however, that doesn’t fix the problem, here’s how you appeal.
Original Medicare Appeals
If you have original Medicare, start with your quarterly Medicare Summary Notice (MSN). This statement will list all the services, supplies and equipment billed to Medicare for your medical treatment and will tell you why a claim was denied. You can also check your Medicare claims early online at MyMedicare.gov, or by calling Medicare at 800-633-4227.
There are five levels of appeals for original Medicare, although you can initiate a fast-track consideration for ongoing care, such as rehabilitation. Most people have to go through several levels to get a denial overturned.
You have 120 days after receiving the MSN to request a “redetermination” by a Medicare contractor, who reviews the claim. Circle the items you’re disputing on the MSN, provide an explanation of why you believe the denial should be reversed, and include any supporting documents like a letter from the doctor or hospital explaining why the charge should be covered. Then send it to the address on the form.
You can also use the Medicare Redetermination Form. See CMS.gov/Medicare/CMS-Forms/CMS-Forms/downloads/CMS20027.pdf to download it or call 800-633-4227 to request a copy by mail.
The contractor will usually decide within 60 days after receiving your request. If your request is denied, you can request for “reconsideration” from a different claims reviewer and submit additional evidence.
A denial at this level ends the matter, unless the charges in dispute are at least $160 in 2019. In that case, you can request a hearing with an administrative law judge. The hearing is usually held by videoconference or teleconference.
If you have to go to the next level, you can appeal to the Medicare Appeals Council. Then, for claims of at least $1,630 in 2019, the final level of appeals is judicial review in U.S. District Court.
Advantage and Part D Appeals
If you’re enrolled in a Medicare Advantage health plan or Part D prescription drug plan the appeals process is slightly different. With these plans you have only 60 days to initiate an appeal. And in both cases, you must start by appealing directly to the private insurance plan, rather than to Medicare.
If you think that your plan’s refusal is jeopardizing your health, you can ask for a “fast decision,” where a Part D insurer must respond within 24 hours, and Medicare Advantage health plan must provide an answer within 72 hours.
If you disagree with your plan’s decision, you can file an appeal, which like original Medicare, has five levels. If you disagree with a decision made at any level, you can appeal to the next level.
For more information, along with step-by-step procedures on how to make an appeal, visit Medicare.gov and click on the “Claims & Appeals” tab at the top of the page.
Get Help
If you need some help contact your State Health Insurance Assistance Program (SHIP), which has counselors that can help you understand the billing process and even file your appeal for you for free. To locate your local SHIP, visit ShiptaCenter.org or call 877-839-2675. The Medicare Rights Center also offers free phone counseling at 800-333-4114.

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.

www.acs-okc.com

 

Social Security Announces 8.7 Percent Benefit Increase for 2023

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Social Security and Supplemental Security Income (SSI) benefits for approximately 70 million Americans will increase 8.7 percent in 2023, the Social Security Administration announced. On average, Social Security benefits will increase by more than $140 per month starting in January.
The 8.7 percent cost-of-living adjustment (COLA) will begin with benefits payable to more than 65 million Social Security beneficiaries in January 2023. Increased payments to more than 7 million SSI beneficiaries will begin on December 30, 2022. (Note: some people receive both Social Security and SSI benefits). The Social Security Act ties the annual COLA to the increase in the Consumer Price Index as determined by the Department of Labor’s Bureau of Labor Statistics.
Medicare premiums are going down and Social Security benefits are going up in 2023, which will give seniors more peace of mind and breathing room. This year’s substantial Social Security cost-of-living adjustment is the first time in over a decade that Medicare premiums are not rising and shows that we can provide more support to older Americans who count on the benefits they have earned,” Acting Commissioner Kilolo Kijakazi said.
To view a COLA message from Acting Commissioner Kijakazi, please visit www.youtube.com/watch?v=Vgm5q4YT1AM.
Some other adjustments that take effect in January of each year are based on the increase in average wages. Based on that increase, the maximum amount of earnings subject to the Social Security tax (taxable maximum) will increase to $160,200 from $147,000.
Social Security and SSI beneficiaries are normally notified by mail starting in early December about their new benefit amount. The fastest way to find out their new benefit amount is to access their personal my Social Security account to view the COLA notice online. It’s secure, easy, and people find out before the mail arrives. People can also opt to receive a text or email alert when there is a new message from Social Security–such as their COLA notice–waiting for them, rather than receiving a letter in the mail. People may create or access their my Social Security account online at www.ssa.gov/myaccount.
Information about Medicare changes for 2023 is available at www.medicare.gov. For Social Security beneficiaries enrolled in Medicare, their new higher 2023 benefit amount will be available in December through the mailed COLA notice and my Social Security’s Message Center.
The Social Security Act provides for how the COLA is calculated. To read more, please visit www.ssa.gov/cola.

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