Dear Savvy Senior,

What steps need to be taken after a loved one dies? My 71-year-old uncle, who’s divorced with no children, has terminal cancer. He’s asked me to take care of his affairs so I would like to find out what I need to do after he passes away.– Unsure Nephew

Dear Unsure,
I’m very sorry to hear about your uncle. The death of a loved of can bring about a host of different tasks and responsibilities. Here’s a list of some things you can do now, and after his death, that can help keep a sad event from becoming even more difficult.
Before Death Occurs
There are several tasks you can do now while your uncle is still living that will make things easier for you after he dies.
For starters, find out where he keeps all his important papers like his trust and/or will (also make sure it’s updated), birth certificate, Social Security information, life-insurance policies, military discharge papers, financial documents, key or combination to a safe deposit box or a home safe. Also make a list of his digital assets (including usernames and passwords) like his email account, online banking accounts, social media accounts, etc.
If your uncle doesn’t have an advanced directive, help him make one (see CaringInfo.org for free state-specific forms and instructions). An advanced directive includes a living will that specifies his end-of-life medical treatments and appoints a health-care proxy to make medical decisions if he becomes incapacitated. In addition, you should also make a do-not-resuscitate (DNR) order. Your uncle’s doctor can help you with this.
You should also pre-arrange his funeral, memorial service, and burial or cremation.
Immediately After Death
Once your uncle dies, you’ll need to get a legal pronouncement of death. If no doctor is present, you’ll need to contact someone to do this.
If he dies at home under hospice care, call the hospice nurse, who can declare his death and help facilitate the transport of the body.
If he dies at home without hospice care, call your uncle’s doctor. You’ll then need to call the funeral home, mortuary or crematorium to pick up the body. If your uncle is an organ or tissue donor, contact the funeral home or the county coroner immediately.
Within a Few Days
If funeral plans were not pre-arranged, you’ll need to make arrangements and prepare an obituary. If your uncle was in the military or belonged to a fraternal or religious group, you should contact those organizations too, because they may have burial benefits or conduct funeral services.
You should also notify family members, close friends and his employer if he was still working, and make sure his home is secured.
Up to 10 Days After Death
To wind down your uncle’s financial affairs, you’ll need to get multiple copies of his death certificate, which are typically ordered by the funeral home.
If you’re the executor of your uncle’s estate, take his will to the appropriate county or city office to have it accepted for probate. And open a bank account for your uncle’s estate to pay bills, including taxes, funeral costs, etc.
You also need to contact your uncle’s estate attorney if he has one; tax preparer to see if estate or final income taxes should be filed; financial advisor for information on financial holdings; life insurance agent to get claim forms; his bank to locate and close accounts; and Social Security, the VA (if he’s a veteran) and other agencies that provided benefits in order to stop payments.
You should also cancel his credit cards, delete or memorialize his social media accounts and, if relevant, stop household services like utilities, mail, etc. His home and personal belonging will also need to be dealt with in the coming weeks.
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.

*Includes 15 hospitalizations in pediatric beds.
**Focus, Rehabilitation and Tribal Facilities numbers are not assigned to a specific region as their patient populations reside across the state. Information provided through survey of Oklahoma hospitals as reported to HHS as of the time of this report. Response rate affects data. Facilities may update previously reported information as necessary.
Data Source: Acute Disease Service, Oklahoma State Department of Health. *As of 2022-12-29 at 7:00 a.m.

The Oklahoma Historical Society and State Historic Preservation Office (SHPO) are pleased to announce the National Register of Historic Places (NRHP) designation for two properties in Oklahoma. The NRHP is our nation’s official list of properties significant in our past.
Oklahoma County, St. Ann’s Home for the Aged at 3825 NW 19th St., Oklahoma City. Designed by architect Charles Lester (C.L.) Monnot Sr. and constructed in 1950 by Catholic Charities of the Archdiocese of Oklahoma City-Tulsa, St. Ann’s Home for the Aged met a growing need for senior housing within Oklahoma City. The property is significant for its association with the social history of Oklahoma City, as no formal housing for senior citizens existed at the time of St. Ann’s construction. Although a charity of the Catholic diocese, St. Ann’s Home welcomed seniors of all ages and faiths, who had few other options for decent housing. The facility offered dormitory-style accommodations with shared bathrooms, a communal dining hall, gathering spaces and a chapel. The facility also housed a small infirmary and provided basic nursing care for residents. St. Ann’s became a licensed nursing facility with the state in 1980 when Oklahoma enacted its first nursing home laws. State regulations required major interior alterations for the building to remain a licensed facility. Rather than update the building, the diocese opted to build a new nursing home and assisted living center. St. Ann’s Home closed in January 1991 when its last residents moved to the new facility.

Woods County, Alva Municipal Swimming Pool and Bathhouse, 1402 Flynn St., Alva
Once known as the “Little Ocean,” the Alva Municipal Swimming Pool and Bathhouse is an important landmark that symbolizes the importance of New Deal programs to Alva’s historic development. Completed by the Works Projects Administration (WPA) in 1940, the property served a dual purpose of alleviating economic hardship resulting from the Great Depression and providing Alva with a recreational facility. The swimming pool is 200 feet long with a capacity of over 500,000 gallons of water. A smaller, circular-shaped wading pool and concrete gazebo are also on the property. The one-story bathhouse is notable for its poured concrete construction and Art Moderne features that include fluted pilasters with beveled corners, horizontal fenestration, and low relief ornamentation around the main entrance. Together, the swimming pool and bathhouse are exemplary examples of the WPA’s efforts to utilize modern architectural designs in their construction of municipal structures for local communities in northwest Oklahoma. Listing in the National Register of Historic Places is an honorific designation that provides recognition, limited protection, and, in some cases, financial incentives for these important properties. The SHPO identifies, evaluates and nominates properties for this special designation.

For more information contact Dr. Matthew Pearce, National Register of Historic Places coordinator, at 405-522-4479 or matthew.pearce@history.ok.gov.

The State Historic Preservation Office is a division of the Oklahoma Historical Society. The mission of the Oklahoma Historical Society is to collect, preserve and share the history and culture of the state of Oklahoma and its people. Founded in 1893 by members of the Territorial Press Association, the OHS maintains museums, historic sites and affiliates across the state. Through its research archives, exhibits, educational programs and publications the OHS chronicles the rich history of Oklahoma. For more information about the OHS, please visit www.okhistory.org.

story and photo by Bobby Anderson, RN, Staff Writer

older weather means more layers of clothing, but that doesn’t mean you’re off the hook when it comes to protecting your skin from the sun’s damaging rays.
Dr. Elise Brantley is a board-certified dermatologist who has been practicing since 2009.
Her practice at Scissortail Dermatology focuses on protecting your skin year-round.
“Even though it’s chilly, it doesn’t really change the amount of UV light coming through,” Brantley said. “Even if it’s cloudy you’re still getting UV light. People may not get as intense of a burn, but they’re still accumulating sun damage. Even when you’re not thinking about it you still need to be wearing your hats and sunscreen.”
It’s all fun in the sun when you’re young.
But as you start to age all that exposure to the sun can begin to take its toll, resulting in blemishes and forms of skin cancer.
Brantley’s practice focus is the evaluation and treatment of growths of the skin with an emphasis on detecting and treating skin cancer.
She is a native Oklahoman from Broken Arrow.
After graduating high school from the Oklahoma School of Science and Mathematics she attended the University of Tulsa for undergraduate studies.
She received her medical degree from the University of Oklahoma and completed her residency training at the University of Cincinnati where she served as chief resident.
She has been serving the Oklahoma City metro area for nearly 10 years.
“Usually if there is any question I say to come in and get a baseline and we can determine what your risk is based on different factors,” Brantley said.
Risk factors include your skin cancer history, your family history, and your history of sun exposure as well as any burns that have occurred in the past.
“Little things like that can increase your risk so that will help decide when you need to come in for regular checks,” Brantley said. “I have some people that have to come every three months, but some qualify for annual checks.”
While most are aware of the harmful effects burns can have during the summer, winter presents its own set of challenges for your skin.
Brantley notes that skiing can be a time for increased sun absorption as you are exposed to the sun’s rays twice, once from above and then again from UV light reflected back up from the snow.
“The other thing we like to remind people when they are skiing is to wear lip balm with SPF in it because (UV light) can cause sun damage and also herpes outbreaks (common cold sores),” Brantley said.
When it comes to sun exposure, Brantley said most people often don’t realize their lips need protection, too.
She says almost every month she catches a squamous cell cancer that has formed on a lip.
“Unfortunately, those are more aggressive, too. Those need to be diagnosed quickly with any lip changes. That’s semi-emergent,” she said.
Chronic chapping on one area of the lip or a noticeable bump or knot can be a sign that something abnormal is going on.
Even if you limit your sun exposure and take all the necessary precautions, sometimes the medications you take can increase your risk of skin cancer.
Immunosuppresives that treat organ transplant patients as well as Lupus, psoriasis, and multiple sclerosis drugs can be problematic.
“Your immune system is used to protect our bodies and repair DNA damage,” Brantley said. “When that is suppressed skin cancers are able to grow.”
Dopamine drugs used to prevent and treat Parkinson’s disease can also promote the growth of melanomas.
Another risk factor Brantley sees frequently in her older patients is those who underwent radiation therapy for the treatment of cystic acne.
She says that treatment history is popping up more and more in her skin cancer patients.
According to the non-profit Skin Foundation, skin cancer is the most common cancer in the world. In the U.S., more than 9,500 people are diagnosed with skin cancer every day and:
* 1 in 5 Americans will develop skin cancer by the age of 70.
* More than 2 people die of skin cancer in the U.S. every hour.
* Having 5 or more sunburns doubles your risk for melanoma.
* When detected early, the 5-year survival rate for melanoma is 99 percent.
The annual cost of treating skin cancers in the U.S. is estimated at $8.1 billion: about $4.8 billion for nonmelanoma skin cancers and $3.3 billion for melanoma, according to the Foundation.
Thanks to increased education and screening by dermatologists like Brantley, the diagnosis and treatment of nonmelanoma skin cancers in the U.S. increased by 77 percent between 1994 and 2014.
For more information visit: https://scissortaildermatology.com/

Story by Darl Devault, Contributing Editor

At 74, Richard W. Amend, M.Ed., has always shown a passion for working with senior adults by dedicating his life to the Archdiocese of Oklahoma City and its elders for the past 40 years.
He was the Director of Senior Adult Ministry at Christ the King Catholic Church for 25 years. Then Archbishop Eusebius Beltran appointed him the mission and community relations director at Saint Ann Assisted and Independent Living Community 15 years ago.
“I truly felt called to this type of ministry after pursuing my master’s degree in Gerontology,” Amend said. “We just celebrated our 20th anniversary in this building in June. We have been blessed to help many seniors during those 20 years and are proud of our role in our community. They also bless us each day with their presence.”
While serving at Christ the King as a member of the Knights of Columbus, Amend helped host an annual “Breakfast with Santa Claus.” The unique feature of the breakfast was Santa Claus sitting in a real sleigh. The sleigh was donated by a generous parishioner who collected antique toys. All the children loved climbing up in the sleigh to tell Santa what they wanted for Christmas.
When Amend started working at Saint Ann, he transported the sleigh there after Breakfast with Santa. That began a new tradition. Every year residents marvel at the sleigh’s vintage charm. It is in a special location where everyone can see and enjoy it.
As Christmas approaches, anticipation builds for the day Santa Claus will arrive. Residents have their picture taken with Santa while telling him about their Christmas wish list. For many, that photo becomes the resident’s Christmas card.
Age never matters. Sometimes a centenarian will climb up in the sleigh or pose for their photo. They are just as excited as the children who come to whisper in Santa’s ear.
Amend was so fascinated with 100-year-old seniors that he started the first Centenarian Club of Oklahoma in 1991 with the help of volunteers from Christ the King. Hundreds of centenarians have since been inducted into the club. The excitement of Christmas can continue at any age. Several centenarians have sat beside him in the sleigh, still exuding excitement about Christmas and never losing their child-like anticipation of talking with Santa in his sleigh. I always call them “Wisdom Walkers” because they exude wisdom daily.
All of Saint Ann’s assisted and independent living residents are invited to participate in the annual Santa visit. There are 120 independent and 50 assisted living apartments in the lively community. They are joined by the attached convent for the Carmelite Sisters of Villa Teresa. Its nine nuns are an active part of the campus and enjoy Santa in his sleigh as much as everyone.
Many people have fond memories of seeing Santa Claus as a child and may even have photographs of themselves sitting on Santa’s lap. During the interview with Amend, it was obvious he exudes the positivity and joy Santa Claus brings to others during the holiday season.
Amend says it is a privilege to don the Santa suit again this year. “Our residents are full of life,” Amend said. “They invigorate me with their enthusiasm for the season. People say their time with Santa is special, but it is even more so for me. You are playing the role of one of the most oversized icons in our culture that conveys kindness and gifting of special things at Christmas, celebrating the birth of our Lord, Jesus Christ.”
Amend is not the only staff member who helps make the Christmas season cheerful. “Our life enrichment team, concierge, assisted living director, marketing, maintenance, dining service, housekeeping, and everyone helps in numerous ways. We also have those who dress up as Santa’s helpers, elves, a reindeer, and a snowman to make Saint Ann’s winter wonderland more festive,” Amend said.
“Playing Santa Claus allows me to spread cheer with others and find personal enjoyment and satisfaction in my role,” Amend said. “Making everyone happy that they are interacting with Santa can be an exciting treat. “This sense of magic and wonder during the holidays can spread joy and make everyone smile during our interactions.”
Saint Ann is located at 7501 W. Britton Road in northwest Oklahoma City. The community is open to all faiths and has a beautiful St. Joachim Chapel and a Grand Theater. Guests are invited to call (405) 721-0747 #322 to schedule a picture in the sleigh. Kris Kringle might even be there to greet you.

Story and photos by Darl DeVault, Contributing Editor

Four presidential reenactors celebrated Oklahoma Statehood Day before a mostly senior capacity crowd of 300, where President Theodore Roosevelt gave an enthusiastic historical perspective 117 years to the day after he signed the Oklahoma Statehood Proclamation.
The senior historical reenactors portraying presidents who appear on the Mount Rushmore National Memorial in South Dakota gave speeches and answered questions in the free matinee on November 16 at the Oklahoma History Center. The audience listened intently to experienced actor-interpreters playing the “Rushmore Four.” A 7 p.m. ticketed performance saw a more mixed-age crowd attend. The events continue a long-standing initiative by the OHC to share world-class interpreters and their stories with the public.
Professional reenactors portrayed Presidents George Washington, Thomas Jefferson, Abraham Lincoln and Roosevelt dressed in top hats and tails in period attire. The actors have worked together in many previous appearances around the country.
Each president stood as they offered remarks of historical perspective from their eras in the order of their time as president. They invited and answered wide-ranging questions. The men only spoke of modern politics a few times when it applied directly to a significant point in their speeches. The actors stayed in character throughout their session and while posing for photos after the event.
Dan Shippey portrayed President George Washington in a full Revolutionary War uniform and three-cornered hat. The actor founded and directs The Breed’s Hill Institute, an educational nonprofit teaching the history of American liberty. Shippey works as a writer, director and actor in commercial film and theater.
Washington expressed his admiration for the 260-270 brave Maryland soldiers who stood fast during the Battle of Long Island, allowing his main force to withdraw to fight another day. He mentioned several of the dozen survivors of that largest battle of the Revolutionary War by name, calling the men his Marylanders.
The general and commander in chief of the Continental Army spoke the most about how courageous men from all the colonies fought for others’ rights to be free throughout the Revolutionary War. He said he took great pride in how those men grasped the need for unity in fighting for our new democracy.
After answering several questions, the historical interpreter was asked if Washington liked to speak before crowds. He paused for effect, empathically answered “No,” and sat down as the audience reacted with laughter.
President Thomas Jefferson, the author of the Declaration of Independence at Independence Hall in Philadelphia, stressed in his speech the importance of the first words of the preamble to the Constitution, “We the people.” The actor explained that this marked the first time those words were expressed worldwide in a formal government document.
Portraying Jefferson since 1983, professional actor and theater director Bill Barker depicts Jefferson on television, in film and many historical locations. His main reenactment venue as Jefferson is the Thomas Jefferson Foundation at Monticello.
Asked about his devotion to science as president, Jefferson spoke at length about founding a university and the patent office in support of citizens receiving credit for their scientific inventions. Before election to the presidency, he was the first examiner of American patents. An inventor, he said a president’s primary role is to celebrate others’ achievements.
President Abraham Lincoln provided the audience with an overview of America in the years before running for the presidency. Fritz Klein, 74, bears a strikingly uncanny physical resemblance to Lincoln. He spoke at length about the Missouri Compromise of 1820’s failure to stop the spread of slavery.
Klein portrays Lincoln as an actor and speaker since being recruited to do so for a small, local celebration during the bicentennial year. One of the nation’s best-known Lincoln reenactors, he has appeared in 43 states and a variety of films since 1981. He is a member of the National Speakers Association as a full-time actor traveling internationally to portray Lincoln on stage, in feature films, documentaries and speaking engagements.
Klein convinced the actor playing President Theodore Roosevelt to become a professional interpreter in 2003 after watching him perform and noting his physical resemblance to a circa 1915 version of the president.
Roosevelt, retired Huntington, Indiana businessman Gib Young, was the most energetic speaker of the four presidents. He wove many mentions of his associations with Oklahomans and his visit to Comanche peacetime leader Quanah Parker at his Star House in Cache into his speech. He delighted the audience with his “bully” rendition of Roosevelt’s personality, intellect, and zest for life. He said it was proper to speak at length because Roosevelt visited Oklahoma before and after signing the proclamation making Oklahoma a state.
Roosevelt gave a reverent accounting of Oklahomans who had volunteered to charge up San Juan Hill with him in the Spanish-American War.
Not noted in the actors’ speeches is the distinction that Roosevelt is the only president ever awarded the Medal of Honor. In 2001 he was posthumously honored for courage under fire described as “…acts of bravery on 1 July 1898, near Santiago de Cuba, Republic of Cuba, while leading a daring charge up San Juan Hill.”
Roosevelt cited the important dates leading up to Oklahoma’s Statehood Day and engaged members of the audience by asking them questions about American history during his question session.
His zest for the president’s job rose to a zeal of patriotism as he discussed Roosevelt’s role in setting aside large parts of America for its citizens as national parks. In citing his authority as president to protect wildlife and public lands by creating the United States Forest Service, he reeled off a litany of accomplishments for the audience. Starting in 1901, Roosevelt established 150 national forests, 51 federal bird reserves, 4 national game preserves, 5 national parks, and 18 national monuments. Roosevelt’s enabling of the 1906 American Antiquities Act protected approximately 230 million acres of public land.
Although the National Park Service was established 106 years ago with just 35 sites, the actor listed those five parks he had helped include long before the more formal act of Congress created the service. He finished his speech by pointing out how proud Roosevelt would be that America now has more than 400 parks and monuments under what he termed the amazing National Park Service.
The Inasmuch Foundation sponsored the program, coinciding with the OHC’s 17th anniversary and Oklahoma’s 117th Statehood Day in 1907.
The OHC is a division of the Oklahoma Historical Society, seeking public engagement through its affiliation with the Smithsonian Institution and National Archives. It is an accredited member of the American Alliance of Museums. The OHS’s mission is to collect, preserve and share the State’s history and culture of its people. The Territorial Press Association founded the OHS in 1893 to maintain museums, historic sites and affiliates across the state. It chronicles the rich history of Oklahoma through its research archives, exhibits, educational programs, and publications. For more information, visit okhistory.org.

Story and photos by Darl DeVault, Contributing Editor

Few in Oklahoma have been more immersed in Oklahoma tennis than Australian ex-patriate Colin Robertson, 77, who came to Oklahoma City on a tennis scholarship in 1966. Seniors can now read about his five decades as a player, instructor, and coach entertainingly told in his heavily illustrated new book, “Sydney to Oklahoma: Tennis, Stories, Travels and More.” (Total Publishing & Media, 2022)
Robertson richly details his playing days at Oklahoma City University in the new book. Seniors who joined the national tennis boom in the 1970s will remember him serving as the first tennis director at the newly opened Oklahoma City Tennis Center. He provided the spark in teaching many players who went on to serve the community as instructors and club managers. His move to instructing and managing at local private tennis clubs paralleled indoor tennis’s dynamic growth in the 1980s and 1990s.
“I was in position over those decades to see tennis really take off in Oklahoma,” Robertson said. “My hiring as the first director of the Oklahoma City Tennis Center in 1966 put me into contact with all the movers and shakers in tennis at that time in central Oklahoma. Many are still close friends to this day.”
The author dedicates two chapters of his book to his years coaching tennis at Oklahoma City University (1987-2002). His insider’s view of the ups and downs of coaching at a college level is revealing and heartwarming. Stories about the parade of international players he coached at OCU are at times hilarious and often inspiring. His teams’ five national championships at OCU testify to the lessons he learned and put to use while guiding the program’s success.
“Coaching at OCU was something I just fell into,” he says, “but those turned into some of the most memorable years of my life. I’m proud of the success of many of those teams, but I cherish more the bond I developed with most of those players—many who had come from outside the United States.”
The second part of “Sydney to Oklahoma” conveys the author’s assessment of the current state of Oklahoma tennis from his court developer and tennis business owner viewpoint. The reader will be surprised and gratified at the progress the Sooner state has made in the last two decades at the public and collegiate levels. The magnificent new facilities at the state’s major colleges are described and shown in striking photographs. Just as notable, the new public facilities in Tulsa and the Oklahoma City metro are detailed. Importantly, Robertson tells how interest and funds were generated to transform collegiate and public facilities.
“The extraordinary new tennis facilities at several colleges and city parks in Oklahoma is a great untold story in the state,” Robertson says. “The national tennis community now sees Oklahoma as a leader in tennis facilities. Surprisingly, many Oklahomans are unaware of just how far the state has come over the last few decades with these new developments.”
Robertson points out Edmond Center Court, the public facility in Edmond, is one facility gaining national prominence. Several tennis notables have called this indoor-outdoor facility the finest public facility in the world. “Edmond has done a remarkable job with their new public facility,” Robertson says. “To be getting praise internationally really speaks well of this tennis center. Again, a part of the great untold tennis story in Oklahoma.”
Over his decades in Oklahoma, the author personally met most of the key players and organizers in Oklahoma tennis—and many renowned players who came to Oklahoma for exhibition matches. His story of Bobby Riggs’s visit to Oklahoma City in the 1980s is unforgettable. He pays tribute to many of these often-quirky tennis personalities in a revealing chapter on Oklahoma’s tennis characters.
Now a tennis consultant at the Buccaneer Beach and Golf Resort in St. Croix, U.S. Virgin Islands, Robertson concludes the book with thoughts about the sport and tennis enthusiasts in Oklahoma. He held several book signings in Oklahoma City and Tulsa in late November. He will return to Oklahoma in February for a series of talks and book signings throughout the state.
This book is a must-read for seniors who have played or followed tennis closely in Oklahoma since the 1960s. It richly details the decades Robertson spent inspiring players and developing the sport in the state. Online purchases of this autographed book are available at www.OklahomaBooksOnline.com/colin-robertson.

Dear Savvy Senior,

I recently learned about a property-tax relief program for seniors in the county where I live. Apparently, there are hundreds of these programs across the country that many retirees, like me, are eligible for but don’t know about. What can you tell me about this? — Overtaxed Eddie

Dear Eddie,
Great question! Residential property-tax refund and credit programs exist in nearly every state, but unfortunately few people know about them. These programs can help retirees and many other Americans by reducing their property taxes. Here’s what you should know.
Rising Property Taxes
Property taxes are a major source of income for local governments, but while they help fund key public services, they can be a financial drain for many homeowners, especially retirees, many of whom live on fixed incomes.
According to Attom Data Solutions, a property-data provider, the average American household payed $3,785 in property taxes in 2021, but this amount varies widely depending on your state’s tax rate and your home’s estimated value. For example, New Jersey residents paid $9,476 per year on average in 2021, while West Virginia residents paid $901.
To help ease this tax burden, most states offer a number of property-tax relief programs. But states aren’t always proactive in letting people know. It’s up to you, the homeowner, to find out what’s available in your county or city that you may be eligible for, and to apply.
Relief Programs
Property tax relief programs, sometimes called exemptions, release eligible homeowners from paying some or all of their property tax obligation. How long the exemption lasts can vary depending on where you live, and the reason you’re applying for the exemption.
The tax-relief process varies by county, city or state. In general, you’ll have to meet certain eligibility requirements, submit an application and provide documents that support your request. Most programs will either reduce, waive or freeze property taxes for seniors, veterans, surviving spouses, disabled and low-income residents.
But there are some counties that also offer basic homestead exemptions to homeowners regardless of age or income, and others that may provide exemptions to homeowners that have recently made energy-efficient improvements to their home.
Where to Look
The best way to learn about local property-tax relief programs and their eligibility requirements is to visit your county, city or state website that collects your property tax. Most of these sites also provide applications and instructions, and will allow you to apply either online, by mail or at your local tax office.
Another good resource for locating programs in your area is the Lincoln Institute, which has a property-tax database that lets you to browse programs across the country. To access it go to ResidentialPropertyTaxReliefPrograms.org.
AARP may also be able to help through their Property Tax-Aide service – see PTAconsumers.aarpfoundation.org. This free program, which is available in 13 states (Arizona, Colorado, Florida–Miami Dade County, Illinois-Cook County, Kansas, Maryland, Michigan, Minnesota, Missouri, Nebraska, New Hampshire, New York and North Carolina) and the District of Columbia helps eligible homeowners and renters apply for relief.
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.

A seasonal virus that takes a toll on young children and older adults has returned this fall with a vengeance.
Surges in respiratory syncytial virus, or RSV, typically parallels flu season, running from late fall into the spring, but this year’s outbreak started earlier than normal. This month, the Oklahoma State Department of Health reported rising case numbers and hospitalizations for RSV in many parts of the state. The figures mirror national trends.
Oklahoma Medical Research Foundation physician-scientist Hal Scofield, M.D., said the current deluge in cases could be traced to the Covid-19 pandemic.
“We saw a dramatic reduction in RSV during the pandemic due to the precautions we took to curb the spread of the coronavirus,” said Scofield, an immunologist. “Infants and young children whose immune systems had never been exposed to the virus were in a protective bubble. Now that bubble has burst.”
RSV typically causes a mild cold. But among children younger than 5, RSV is responsible annually for 100-300 deaths and up to 80,000 hospitalizations in the U.S., according to the Centers for Disease Control and Prevention. The virus is even deadlier among older adults. A 2022 National Institutes of Health study estimated more than 6,000 people 65 years and older die each year from RSV complications.
OMRF scientist Susan Kovats, Ph.D., studies RSV. She noted that before the pandemic, almost all children contracted the virus by age 2. Kovats said that because so many children avoided exposure to it in 2020 and 2021, the virus appears to be “playing catch-up” in pediatric populations.
Kovats is working to understand why RSV impacts children more frequently than adults and why it hits some infants so hard. The work is setting the stage for better treatments and will aid in vaccine design for the condition.
“Our early indications are that neonatal cells are less likely to make the proteins that stop a virus from replicating in the body,” Kovats said. “In essence, it appears to confirm previous evidence that babies’ immune systems are not quite developed enough to fight off RSV.”
Research teams worldwide are working on RSV vaccines. Pfizer plans to submit its vaccine, which protects infants from RSV by inoculating pregnant women, for Food and Drug Administration approval by year’s end. The results of the FDA review of British drugmaker GSK’s vaccine for older adults are expected in spring 2023.
Until a vaccine is available, Scofield said the best ways to avoid — and avoid spreading — RSV mirror those for the flu and Covid-19. “Wash your hands, wear a mask in crowded places and stay home if you’re sick,” he said. And if, despite your best efforts, you or a loved one has a run-in with a respiratory virus this holiday season, monitor symptoms closely.
“RSV can usually be managed at home. But when someone is having difficulty breathing or is exhibiting symptoms of dehydration, it’s important to get an evaluation from a health care professional.”

Two scientists at the Oklahoma Medical Research Foundation have been awarded grants for research aimed at extending the period of good health as we age.
The American Federation for Aging Research and the Glenn Foundation for Medical Research awarded grants to OMRF’s Ann Chiao, Ph.D., and Matt Bubak, Ph.D. The organizations work together to support junior researchers focused on the basic biology of aging.
Chiao received a two-year, $125,000 grant from AFAR to better understand a molecule inside each cell that is crucial for generating energy. As we age, levels of that molecule, NAD+, slowly diminish within the heart. Chiao will study how this occurs, and the role it plays in fatigue, shortness of breath and other symptoms of decreased heart function in older people.
“There is a lot of research looking at NAD+ in aging-related diseases,” said Chiao, who joined OMRF in 2019 from the University of Washington. “What’s different about this study is that we are looking at it only within the mitochondria, the powerhouse of the cell.”
Chiao’s lab will focus on how and why the molecule dwindles in mitochondria and, in future research, whether medication could prevent it from happening.
Bubak is among nine scientists nationally to receive a one-year, $60,000 postdoctoral fellowship from the Glenn Foundation. He will explore the decline of skeletal muscle mass and function that begins around middle age.
His research will test whether muscles in older mice become more youthful following a plasma transfer from younger mice, and whether that benefit is enhanced if the donor mice exercise.
“The idea is that we can create a more youthful environment in old mice so that the muscles can respond to stress, such as exercise, like young mice,” said Bubak, who is a postdoctoral researcher in the lab of Benjamin Miller, Ph.D. “If we’re correct, then potentially the application for humans would be both simple and cost effective.”
Future studies will explore how long the youthful effects last following a plasma infusion, he said.
OMRF Aging and Metabolism Research Program Chair Holly Van Remmen, Ph.D., said the two grants ultimately could help reverse two key aspects of aging.
“These two scientists are trying to figure out how to make an older person’s heart and skeletal muscles work like those of a younger person,” Van Remmen said. “We know an active lifestyle prolongs the healthiest period of our lives, but for those who can’t or won’t exercise, this work could someday make a big difference.”