Dear Recently,
I’m very sorry to hear about your uncle. The death of a loved of can bring about Whether or not you are required to file a federal income tax return this year will depend on how much you earned last year, as well as the source of the income, your age and filing status.
Here’s a rundown of this tax season’s IRS tax filing requirement thresholds.
For most people, this is pretty straightforward. If your 2022 gross income – which includes all taxable income, not counting your Social Security benefits, unless you are married and filing separately – was below the threshold for your filing status and age, you may not have to file. But if it’s over, you will.
* Single: $12,950 ($14,700 if you’re 65 or older by Jan. 1, 2022).
* Married filing jointly: $25,900 ($27,300 if you or your spouse is 65 or older; or $28,700 if you’re both over 65).
* Married filing separately: $5 at any age.
* Head of household: $19,400 ($21,150 if 65 or older).
* Qualifying widow(er) with dependent child: $25,900 ($27,300 if 65 or older).
To get a detailed breakdown on federal filing requirements, along with information on taxable and nontaxable income, call the IRS at 800-829-3676 and ask them to mail you a free copy of the “1040 and 1040-SR Instructions for Tax Year 2022,” or you can see it online at IRS.gov/pub/irs-pdf/i1040gi.pdf.
Check Here Too – Be aware that there are other financial situations that can require you to file a tax return, even if your gross income falls below the IRS filing requirements. For example, if you earned more than $400 from self-employment in 2022, owe any special taxes like an alternative minimum tax, or get premium tax credits because you, your spouse or a dependent is enrolled in a Health Insurance Marketplace plan, you’ll need to file.
You’ll also need to file if you’re receiving Social Security benefits, and one-half of your benefits plus your other gross income and any tax-exempt interest exceeds $25,000, or $32,000 if you’re married and filing jointly.
To figure all this out, the IRS offers an online tax tool that asks a series of questions that will help you determine if you’re required to file, or if you should file because you’re due a refund. It takes less than 15 minutes to complete.
You can access this tool at IRS.gov/Help/ITA – click on “Do I Need to File a Tax Return?” Or you can get assistance over the phone by calling the IRS helpline at 800-829-1040.
Check Your State – Even if you’re not required to file a federal tax return this year, don’t assume that you’re also excused from filing state income taxes. The rules for your state might be very different. Check with your state tax agency before concluding that you’re entirely in the clear. For links to state tax agencies see Taxadmin.org/state-tax-agencies.
Tax Preparation Help – If you find that you do need to file a tax return this year, you can free file through the IRS at IRS.gov/FreeFile if your 2022 adjusted gross income was below $73,000.
Or, if you need some help, contact the Tax Counseling for the Elderly (or TCE) program. Sponsored by the IRS, TCE provides free tax preparation and counseling to middle and low-income taxpayers, age 60 and older. Call 800-906-9887 or visit IRS.treasury.gov/freetaxprep to locate services near you.
You can also get tax preparation assistance through the AARP Foundation Tax-Aide service. Call 888-227-7669 or visit AARP.org/findtaxhelp for more information. You don’t have to be an AARP member to use this service.

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.

Mercy family medicine physician Dr. Erica Dearman has shifted the focus of her practice to meet the unique needs of Medicare patients in the Oklahoma City metro area.
Dearman, a Mercy primary care physician since 2019, is passionate about caring for seniors and older adults and helping them navigate the natural life changes that come with aging.
“Many seniors are suddenly facing complex medical diagnoses, decreased physical abilities and fewer social interactions than they used to have,” Dr. Dearman said. “The focus of my practice and this new model of care is to work closely with these patients to help them optimize their quality of life in all areas.”
Dr. Dearman’s Medicare patients will have extended visit times and be seen more frequently to keep chronic conditions like high blood pressure, diabetes and heart disease under control.
“The heart and soul of my practice is to help seniors stay out of the hospital and lead long, healthy lives,” Dr. Dearman said.
Patients will also have access to the full suite of services available to all Mercy patients, including Mercy on Call, the after-hours help line staffed by a full Mercy care team, and access to MyMercy, a free app and website that make it easy to manage doctor visits, medications, tests and billing in one convenient place.
Dr. Dearman will see patients at Mercy Clinic Primary Care – Edmond Memorial. Call (405) 341-7009 to schedule an appointment or book online here.

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/.

The start of a new year often brings thoughts of renewal, new goals, a fresh start. While planning for this year, if you want to make a difference think about volunteering as a Long-Term Care Ombudsman (LTCO). Many people volunteer during the holiday season, but volunteers are needed every day of the year and LTCO volunteers are in high demand. A LTCO volunteer can assist residents in Nursing Facilities, Assisted Living Facilities, Residential Care Facilities, and Intermediate Care Facilities for Individuals with Intellectual Disabilities. Volunteers make weekly visits to field resident complaints and help residents advocate for resolution for those complaints. If you are passionate about giving a voice to members of our most vulnerable population this is the opportunity you’ve been waiting for.
If a weekly commitment doesn’t fit in your schedule, consider contacting a facility near you and ask how you can support residents. Facilities can be located by searching online at https://www.medicare.gov/. There are many opportunities to help make a difference in Long-Term Care communities. If you are motivated by helping others, make the call today.
If you have a loved one in a Long-Term Care facility and have any questions regarding care or concerns you may have, you can contact an Ombudsman to assist you.
Areawide Aging Agency’s Long-Term Care Ombudsman Program advocates for the needs of residents in LTC facilities serving Canadian, Cleveland, Logan, and Oklahoma Counties. You may contact us at (405)942-8500 and ask to speak with an Ombudsman, visit our website at https://www.areawideaging.org/ or find us on Facebook.

New general admission prices effective Thursday, February 9, 2023. With more than 1,000 animals to see, immersive habitats and memorable experiences, OKC Zoo remains top destination at best-value among state attractions.

On Tuesday, January 17, 2023, Oklahoma City Council members approved price adjustments to general admission prices for the Oklahoma City Zoo and Botanical Garden. Beginning Thursday, February 9, general adult admission will increase from $12 to $16, and admission for children ages 3 to 11 and seniors 65+ will increase from $9 to $13. Children two and under receive free entry into the Zoo. City Council also approved adjusted admission prices for student field trips which will be decreasing from $6.15 to $6 per student 3 to 11 and from $9.25 to $9 for students 12+. Educators wishing to make a reservation for a field trip can do so online at:
https://www.okczoo.org/self-guided-field-trips.
The Zoo’s last admission increase took effect February 2020.
ZOOfriends’ memberships will also be increasing effective February 9, 2023. Zoo fans are encouraged to join now and purchase memberships at our current prices. All ZOOfriends memberships are good for one year from date of purchase with the same incredible benefits including unlimited Zoo visits for a year and additional discounts. By purchasing a membership, you are also supporting the OKC Zoo, its growing animal family, conservation efforts and expansion including the awaited opening of Expedition Africa this summer! Purchase ZOOfriends memberships online at:
https://www.okczoo.org/membership.
The Oklahoma City Zoo is in its winter hours and open Thursday through Monday from 9 a.m. to 5 p.m. with the last entry at 4 p.m., and closed to the public on Tuesdays and Wednesdays through February 8, 2023. Purchase advance Zoo admission tickets at okczoo.org/tickets and avoid the entry lines. Located at the crossroads of I-44 and I-35, the OKC Zoo is a proud member of the Association of Zoos and Aquariums, the American Alliance of Museums, Oklahoma City’s Adventure District and an Adventure Road partner. Regular daytime admission is $12 for adults and $9 for children ages 3-11 and seniors ages 65 and over. Children two and under are admitted free. Stay connected with the Zoo on Facebook, Twitter, Instagram, Linktree and TikTok, and by visiting our blog stories. Zoo fans can support the OKC Zoo by becoming a ZOOfriends member. Starting at $45, memberships can be purchased at www.okczoo.org/membership and provide access to the OKC Zoo for an entire year plus, additional benefits and discounts. To learn more about Zoo happenings, call (405) 424-3344 or visit https://www.okczoo.org/.

Story by Bobby Anderson, RN, Staff Writer

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

INTEGRIS Health is celebrating 35 years of kidney transplantation. Surgeons with the INTEGRIS Health Nazih Zuhdi Transplant Institute have performed more than 2200 kidney transplants since the program began.
The INTEGRIS Health Kidney and Pancreas Transplant Center offers superior outcomes for kidney transplants from both living and deceased donors. It consists of one of the largest and most experienced transplant teams in the United States.
E.N. Scott Samara, M.D., is the surgical director of kidney transplant at INTEGRIS Health Baptist Medical Center. He conducted the first kidney transplant at the facility and still practices today. He is proud of what the program has accomplished through the years
“I have been grateful to see over 2000 patients be able to avoid or stop dialysis and live normal productive lives,” says Samara. “In the last 15 years, I have even been able to work with my son, Dr. Shea Samara, and Dr. Jose El-Amm, who is the medical director of kidney transplant and like a son to me, which has been both professionally and personally fulfilling.”
Every ten minutes another person is added to the national transplant waiting list. Of those, 82% are in need of a kidney. There are more than 90,000 people in the United States waiting for a kidney donation. The average wait time for a kidney is three to five years from a deceased donor. With living donation, a patient may be able to receive a transplant much faster. To learn more or schedule an assessment, call 405-949-3816.

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