Can I Inherit My Parent’s Debt?

Dear Savvy Senior,

What happens to a person’s debt after they die? My mother has taken on a lot of medical and credit card over the past few years and I’m worried that my brother and I will be responsible for it when she dies. What can you tell me?

Worried Daughter

Dear Worried,
In most cases when a person with debt dies, it’s their estate, not their kids, that is legally responsible. Here’s how it works.
When your mom dies, her estate – which consists of the stuff she owns while she’s alive (home, car, cash, etc.) – will be responsible for paying her debts. If she doesn’t have enough cash to pay her debts, you’ll have to sell her assets and pay off her creditors with the proceeds.
Whatever is left over is passed along to her heirs as dictated by the terms of her will, if she has one. If she doesn’t have a will, the intestacy laws of the state she resides in will determine how her estate will be distributed.
If, however, she dies broke, or there isn’t enough money left over to pay her “unsecured debts” – credit cards, medical bills, personal loans – then her estate is declared insolvent, and her creditors will have to eat the loss.
“Secured debts” – loans attached to an asset such as a house or a car – are a different story. If she has a mortgage or car loan when she dies, those monthly payments will need to be made by her estate or heirs, or the lender can seize the property.
There are, however, a couple of exceptions that would make you legally responsible for her debt after she passes away. One is if you are a joint holder on a credit card account that she owes on. And the other is if you co-signed a loan with her.
NOTE TO SPOUSES: These same debt inheritance rules apply to surviving spouses too, unless you live in a community property state – Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington or Wisconsin. In these states, any debts that one spouse acquires after the start of a marriage belongs to the other spouse too. Therefore, spouses in community property states are usually responsible for their deceased spouses debts.
Protected Assets
If your mom has any IRAs, 401(k)s, brokerage accounts, life insurance policies or employer-based pension plans, these are assets that creditors usually cannot get access to. That’s because these accounts typically have designated beneficiaries, and the money goes directly to those people without passing through the estate.
Settling Her Estate
You also need to be aware that if your mom dies with debt, and she has no assets, settling her estate should be fairly simple. Her executor will need to send out letters to her creditors explaining the situation, including a copy of her death certificate, and that will probably take care of it. But, you and your brother may still have to deal with aggressive debt collectors who try to guilt you into paying.
If your mom has some assets, but not enough to pay all her debts, her state’s probate court has a distinct list of what bills get priority. The details vary by state, but generally estate administrating fees, funeral expenses, taxes and last illness medical bills get paid first, followed by secured debts and lastly, credit card debts.
Need Help?
If you have questions regarding your situation, you should consult with a consumer law attorney or probate attorney. Or, if you just need a question or two answered, call your state’s legal hotline if available (see LegalHotlines.org), or legal services provider.

Senior educates generations

by Bobby Anderson,
Staff Writer

The sounds of children’s playful voices float through Southwinds Montessori Preschool in Norman.
Inside, the classrooms are a flurry of activity with 45 smiling faces whirring around from activity to activity.
In the background, Carol Zerboni smiles a big, beautiful proud smile.
It’s been that way more than 40 years now for Zerboni, who operates the private Montessori school along Highway 9.
And she laughs at the time when running a school and teaching children was the farthest thing from her mind.
“I just wanted a paycheck – a little extra money to have to spend,” Zerboni said of looking for a job as a young art major at the University of Oklahoma.
“I asked if they needed an art teacher and she hired me immediately.”
“I didn’t have a clue what Montessori was. Being Italian, I thought for sure I’d figure it out.”
When Zerboni figured out the Montessori philosophy hailed from Italy she was intrigued.
When she found out what it could do for young children she was hooked.
“I watched and looked at the materials and equipment and the way they were learning and it was different than anything I’d ever seen,” Zerboni said. “The materials were just incredible – beautiful. There was a purpose for everything.”
She switched her major to elementary education and then went on to Oklahoma City University to complete her Montessori training.
The textbook definition of Montessori discusses an emphasis on independence, freedom within limits, and respect for a child’s natural psychological, physical, and social development.
For Zerboni – and literally millions of children through the years – it just seems natural.
THE MONTESSORI CONCEPT
The education system originated in Italy with Dr. Maria Montessori, the second female doctor in the country’s history.
With compulsory education beginning at age seven, the streets of Rome were filled with young children with plenty of time on their hands.
With the idea that children learned 80 percent of their knowledge from birth to four, the pediatrician set up the first Montessori, Casa dei Bambini.
The program was a success, so much so that Prime Minister Benito Mussolini appointed her chairwoman of education for the country.
But during World War II she called the dictator “a fascist pig” and was booted from the country.
“She was so ahead of her time and really bright and really understood the child,” Zerboni said of her icon.
Landing in India, Montessori continued her curriculum development, carrying it all the way through high school.
To this day, Zerboni still gets questioned about what Montessori is all about.
“I tell them it’s a method of education where the teacher’s role is totally different,” Zerboni said. “It’s not teacher-driven. Your job as a teacher is to create the environment to be inviting so that the kids can go in it and move. They need to move and they need to have meaningful work … and for them to make their own choices and create independence.”
That’s why the halls at Southwinds are often a flurry of activity. To some it may seem like a classroom run amuck.
But spend a few moments observing and you’ll see children discovering the world around them through all five senses.
And they’re enjoying it as the same time.
Zerboni will tell you Montessori school kids read earlier than those in traditional school. Phonic sounds are taught at age three but it’s not done with them sitting in a hard-plastic chair for six hours a day.
“Freedom of movement is one of the biggest things that’s different from public school,” Zerboni said. “I really think sticking children that are young in desks is really not fair to the child. It is unnatural. They can’t sit. They’re not absorbing anything at all.”
Absorption is key to knowledge. Children aren’t just taught things in Montessori they experience them and store them with emotion and memory that will carry the information with them for the rest of their days.
Zerboni things a lot of that is missing in today’s schools.
“I think what we’re losing out on is we’re waiting too long to get our kids involved in Math, Reading, Science and all the basics,” she said. “They’re ready for it. They get it.”
Zerboni took her 40 years of experience and passion and poured them into her own line of instructional books.
Zeb Books was born nearly a decade ago – named after the family pet. “I’ve done the thinking about this and about what works and what doesn’t,” Zerboni said. “I’m not sure I have the only way but I know my way works because I’ve got kids reading up a storm.”
“That’s one reason people send their kids here.” And the fact that they’re having fun while learning doesn’t hurt either.

Q. I am a health care provider and I am very concerned with all the pharmaceutical drugs being advertised on TV. I worry that people will believe everything they see and hear in the commercial and dump more money into this industry that is failing us in so many ways. These are some of my concerns.  —-  Rhonda

A. I don’t know how many readers have paid close attention to these frequently run drug commercials. It is crazy to think that drugs are being advertised on TV…..really?
It is highly unlikely that any of these drugs will make you sing, dance or ace a game of volleyball but you would never know it if you fell for the message in the commercial. Notice how the speaker enunciates very clearly until he gets to the side affects of the drug. Then suddenly he has a manic episode, his speech is pressured and barely audible. The last thing you think you heard is something about coma and possible death. But with those butterflies and beautiful surroundings who focuses on being in a coma.
So ok, you think one of these drugs might help you. You talk to your doctor, who also thinks this drug might help your symptoms and he writes a prescription. Now the scary part. You pull into the pharmacy parking lot with your prescription in hand. The pharmacy tech takes over while you wait. Your name is called and you are told you owe $475.00 after insurance has paid their part. Now you have symptoms related to finding out the pharmaceutical industry is raping you.
So what has happened? You watch a commercial for a new drug with people who are smiling big, some are singing, dancing, growing beautiful flowers and don’t forget the butterflies and maybe the ocean. These are happy people taking their new drug. Who wouldn’t want to smile big and grow beautiful flowers.
So now your hooked. Your doctor writes the prescription. The pharmacist tells you the price. You announce he can keep the drug because there is no way you can pay for it unless you stop eating.
Or another issue………Maybe your doctor gives you samples of the new drug and you find it does help your symptoms. But when you are told it will cost $475 after your samples are gone, what is the point.
I was personally given a prescription for a skin cream, with a coupon because the doctor told me it might be expensive. When I went to pick up the prescription the pharmacy tech had a strange look on his face when he told me the small tube of cream was $1042 after the coupon!!
Be cautious. Pay attention to the side affects listed for these drugs. If you can make behavioral or life changes, try that first. Your health and your money are at risk.

Vicki L Mayfield, M.Ed., R.N., LMFT Marriage and Family Therapy Oklahoma City

If you would like to send a question to Vicki, email us at news@okcnursingtimes.com

Volunteers help travelers on their way

by Bobby Anderson
Staff Writer

When Paul and Kim Sanders retired they wanted to volunteer.
The first assignment they found was stuffing envelopes for an upcoming local fundraiser.
It wasn’t exactly what they were looking for.
“The majority of my life I’ve been an outside salesperson,” Paul Sanders explained. “Sitting in an office just wasn’t my cup of tea.”
But while he was volunteering he did strike up a conversation with someone who volunteered at Will Rogers World Airport.
An invitation was extended and he decided to give it a try.
It’s been eight years now since Sanders – and eventually wife Kim – began manning the Traveler’s Aid welcome centers at Will Rogers World Airport.
And for both of them it’s one of the highlights of their week.
“It’s a lot of fun. We have a good time,” Kim Sanders said. “We meet different people. Everyone who comes through with questions is always friendly.”
The Sanders’ and around 70 others volunteer their time each week to man one of the welcome center booths – one on the main terminal level and the other by baggage claim.
WELCOME WAGON
Will Rogers World Airport sees around four million passengers annually.
That’s a lot of coming and going and volunteers like Paul and Kim are in the thick of it.
NBA stars, mayors from other cities and TV personalities – are just a few of the people that have come to Paul over the years looking for help.
“It’s a fun experience and it’s only four hours a day so you’re not tied down,” Paul said. “It’s a four-hour shift so if you’ve got to be gone or going on a trip … we’ve got people who can come in.”
Upward Transitions (formerly Traveler’s Aid) runs the visitor’s center at Will Rogers World Airport. For more than 90 years, Upward Transitions has touched the lives of Oklahomans, elevating those in need, stranded or homeless to a position of self-sufficiency.
Upward Transitions was founded in 1925 as Travelers Aid and was one of the first agencies to become a member of the United Way of Central Oklahoma. The group receives support from a diverse set of funding sources including the United Way, private foundations, federal, county and city grants.
Megan Chapman serves as the Traveler’s Aid Volunteer Coordinator.
“One of the things that we have the opportunity to do that not a lot of agencies can do is we can provide financial assistance for stranded travelers,” Chapman said. “It could be anything from you getting pickpocketed on your way here and you can’t pay for a taxi. We do help stranded traveler’s get home. That’s our mission of our agency both here and downtown – to bring people home.”
Chapman said her organization has been called on to help victims of domestic violence often find their way to the airport. Those stranded at the airport overnight or facing personal emergencies can also turn to the group.
And they’re greeted largely by senior volunteers trained to make things a littler easier.
“I’m always looking for people who are friendly,” Chapman said. “This is an interactive position. It’s not sitting in an office stuffing envelopes and doing mailings. The needs are greater. People are looking for lost baggage or a place to eat.”
“Often our volunteers are the first face people see or the first person someone talks to when they arrive in Oklahoma. We’re kind of looking for people who want to be ambassadors of Oklahoma City and the airport.”
Chapman was a Will Rogers airport volunteer after six years in the Navy. She loved the experience and a year into her service the position of director came open.
“The reason I love airports isn’t the airplanes – don’t get me wrong, I still have a heart for aviation – but it’s because of the people,” Chapman said. “You meet so many people. Everyone in here has a story whether they’re traveling through on vacation or grieving the loss of a loved one. We like to find out what their stories are.”
That’s the hook for Kim, whose smile automatically lights up a room.
“It gets us out and it helps other people,” Kim said. “When you get done at night you’ve done something. And here it’s something different every time. It’s not like an office. You never know what’s going to happen.”
For more information on how to volunteer you can contact Chapman at 405-232-5507, extension 107.

The seventh annual Cross Family Benefit for the Oklahoma Medical Research Foundation will be held on May 7 in Kingfisher. Cowboys from across the country will saddle up to raise money for cancer research and also to honor the life of Floyd Cross.
Cross battled – and defeated – recurring bouts of colon and liver cancer for 12 years before passing away in 2016. The Cross family continues to fight the disease in his honor by raising funds to support cancer research at OMRF.
“The Cross family is a great example of how Oklahomans can do something meaningful to help combat diseases like cancer,” said OMRF Vice President of Development Penny Voss. “Grassroots efforts like this one make a big difference in giving momentum to the world-class research happening right here in Oklahoma City.” In addition to the steer wrestling competition and t-shirt sales, raffle tickets will be sold for $1 or six for $5 for a wide variety of prizes. A weekend getaway to Red River, New Mexico, will be up for auction. The event will be held at 1 p.m. at the Kingfisher Rodeo Roundup Club Arena. To enter or for more information, call Sherrie Cross at (405) 375-4872 or (405) 313-1776. The books are open from 10 a.m. until noon on May 7. Admission is free.

AllianceHealth outcomes change lives

by Bobby Anderson,
Staff Writer

The message sent to the Midwest City community a few months back was resounding.
More than two years of work and planning by multiple AllianceHealth Midwest departments culminated in a prestigious accolade that will benefit patients throughout the metro.
For the first time, the hospital received full Chest Pain Center with PCI (Percutaneous Coronary Intervention) Accreditation from the Society of Cardiovascular Patient Care.
“Essentially what it did was validated to our community we were serious about our cardiology program and our treatment and our evaluation of chest pain patients,” said Mark Macklin, RN, BSN, cardiology director and chest pain coordinator. “This has always been a community-based hospital and it was important for us to relay that to the community that we had committed ourselves to improving in those particular areas.”
To receive accreditation, AllianceHealth Midwest demonstrated its expertise and commitment to quality patient care by meeting or exceeding a wide set of stringent criteria and completing on-site evaluation by a SCPC review team.
AllianceHealth Midwest is the only hospital in the state of Oklahoma to receive this level of accreditation.
“This accreditation is another large step in our commitment to providing superior emergency and cardiac care to the residents of Midwest City and Eastern Oklahoma County” said Damon Brown, CEO, AllianceHealth Midwest. “This accreditation was made possible because of the dedicated work and commitment of a multi-disciplinary team that included employees, physicians and paramedics.”
Macklin has spent the last 12 of 22 years in nursing in cardiac care after an emergency medicine and trauma background.
And he’s seen cardiac care come to the forefront.
TREMENDOUS NEED
“Any community in Oklahoma, cardiovascular disease is going to be a primary focus,” Macklin said. “Particularly for the process of chest pain accreditation it was important for us because of our volume throughputs, lengths of stay and those issues that we standardized the process so patients are treated not exactly the same but at least within the same guidelines and standards … so we don’t miss small things along the way.”
Macklin stressed that the purpose of obtaining chest pain accreditation wasn’t to just put the emblem on the paperwork. The process was one the entire AllianceHealth system has committed to in order to improve its processes and insure better outcomes.
“What it tells (the community) is that along with the accreditation process is the process of ongoing performance improvement and what might be standard of care today is fluid and those standards change annually, even more often than not based on evidence-based practice and clinical research.
“We have cardiologists that embrace the recommendations that come out of the American College of Cardiology and published literature.”
Macklin likes to use the phrase “parking lot to parking lot” to describe the program.
The program simply doesn’t work if all departments don’t work together.
“It’s not just an emergency process, it’s not just a cath lab process and it’s not just an inpatient observation process,” Macklin said.
That became obvious during the entire accreditation process.
“What we identified early on in the process was we were already pretty good at the acute MI,” Macklin said. “What we identified through the process and our surveyor’s neutral eyes was that our biggest opportunity was our EMS arrivals and starting to take those EMS patients who were acutely myocardial infarcting … straight to the cath labs, shaving 20 sometimes 30-times off our perfusion times.
“That’s been our biggest improvement you can see on a daily basis. We’ve empowered EMS … that if it walks like a duck, and it quacks like a duck call it a duck and we’ll take them to the lab.”
The process is ongoing.
Macklin knows time is muscle and staff are always up against the clock.
The pride comes through the continual refinement of the process.
Representatives from every department met regularly through the accreditation process and still are called back in to maintain improvement.
“This is a group of people who aren’t afraid to call s omebody out and it’s a group that isn’t afraid to tell you what they need,” Macklin said. “This is a team sport.”
Certification lasts for two years but statistics are monitored monthly by the accreditation agency.
Ongoing employee education and community education are tenets of maintaining certifications.
And the process for recertification has already begun.
And everyone is involved.

by Bobby Anderson, Staff Writer

Throughout Glenn Boyer’s life he’s had a knack for being in the right place at the right time.
Even after retirement – living life the way he wants to – little has changed.
“I’ve been blessed with a lot of things,” Boyer said. “Most of these things I didn’t choose, they chose me.”
Being a man of firsts, Boyer has filled his life with love, laughter and a passion for his profession.
His home for the past year, Grand Tapestry at Quail Springs, has helped him continue living life the way he wants.
“It’s great,” Boyer said of his Northwest Oklahoma City apartment. “You meet a lot of people here. I don’t want three meals a day or babysitting. I want to do what I want to do. You choose what you want and you do it.”
By 7:30 each morning you’ll find Boyer in the workout room or he might be taking a few laps in the heated salt water exercise pool.
Some days he’ll invite his men’s bible study over for a catered four-course meal.
In the evenings you might see him in the billiards room teaching a friend’s granddaughter how to play pool.
“Things like that just make it home,” Boyer said.
Being one of the inaugural Grand Tapestry residents is just another in a long line of firsts for Boyer.
In college, he was a shooting guard for Wichita State University’s basketball team. He’s a member of the first Shocker postseason tournament team.
An ROTC cadet, Boyer was drafted out of college and sent to Ft. Bliss
“Little did I know from then on it would be my career,” he said.
The math major was assigned to the computer, missile and radar fields. He spent two years of his four years in the service on a missile site.
He applied for a job as a coach and teacher on the outskirts of Kansas City. The offer was $4,000 a year.
At the same time, Bendix Corporation offered him $12,000 a year as a computer programmer – a first for him.
“That was in 1961 when there were very few computers,” Boyer said. “I’ve been in the field ever since.”
He came to Oklahoma City in 1969.
In 1972 he started Applied Computer Systems, a business he still runs today with son Glenn Jr. at 3509 N. Classen Blvd.
Boyer enjoyed 65 years with his wife before she passed.
“I didn’t know what I wanted but I knew I didn’t want to live by myself in my house,” said Boyer, who lived at Ski Island for 44 years.
His daughter brought him to Grand Tapestry.
It’s a story told time and again.
“I just gave it a try and it turned out to be a good fit,” said retired psychiatrist Liliana Schechter. “It’s very cozy, very nice and we all help each other.”
She definitely didn’t expect to meet a fellow resident whose mother was also from Poland.
Schechter’s Polish mother survived the Auschwitz concentration camp and the Holocaust.
The conversation between the instant friends just flowed.
“We go to the synagogue (together),” Schechter said. “It was truly a miracle.”
Gwyn Walters watches the sun rise each day from her third floor apartment.
“Most of us would say the people,” Walters said of what drew her to become a founding member. “And we have some really fun things to do. The educational offerings have been great, too.”
From listening to University of Oklahoma Football Coach Bud Wilkinson’s story told by his own son, Jay, to learning more about current topics, Walters has been able to experience it all in the comfort of her home.
She enjoys greeting visitors each day.
“I think this place is great,” Walters said. “It’s comfortable. That’s one of the big things I feel here is comfortable and safe.”
“I didn’t feel this safe in my own house.”
A new and vibrant place to call home, Grand Tapestry at Quail Springs is tailored to active adults age 55 and better, centrally located in the Quail Springs area of Oklahoma City.
Here, residents like Boyer chase their passions, enjoy their hobbies and seek out new adventures.
The architecture and interiors were designed to create comfort and convenience in a caring, maintenance-free setting. From the theatre offering an exclusive cinematic experience with reclining lounge chairs, to an outdoor kitchen equipped with grills, a fire pit and water feature, to the raised-bed garden, Grand Tapestry offers a social environment for everyone.
Residents also take advantage of concierge-style services and enjoy the community beyond Grand Tapestry at a variety of dining, shopping and entertainment options within steps of the front door.

If you’re heading north out of Tulsa and don’t know what to look for, you could pass right by R & G Family Farm and never know it. However, nestled back in the woods off of State Highway 11 you can often find Katie Plohocky gardening, feeding the livestock and organizing her latest proposal to bring agriculture and food to the communities around her.
Born on a 400 acre centennial farm in Croswell, Michigan, Katie Plohocky has been playing in the dirt since she could crawl. Upon graduating high school Katie headed for the business world. She earned a bachelor’s degree in business leadership from Baker College as well as a master’s and MBA from University of Phoenix. Already a well-seasoned commercial real estate agent, in 2000 she moved to Oklahoma to continue her career. It wasn’t until she got involved with the Indian Healthcare Resource Center’s ‘Food for Life’ in 2008 that she realized the food scarcity that many Oklahomans face.
“We are in a food desert,” she said. “People in this area have to travel several miles to access food. We grow more than enough food in the state, but access and distribution of that food is a different story. Seventeen percent of households in this area do not have transportation, so food access is a problem. We help with community gardens, help people grow in their backyards and assist mobile farmers markets.”
In addition to her selfless attitude, Plohocky’s entrepreneurial spirit and work ethic set her apart. The projects and service organizations she has developed did not come with an instruction manual, nor were they a guaranteed success. One thing that is guaranteed, however, is that when Katie recognizes a need with Oklahoma food and agriculture she takes action. Take for example her mobile grocery store.
Founded in 2010, R & G Family Farm’s mobile grocery store was just the first of many different ways Plohocky is striving to increase access to food and having a lasting impact on agriculture in Oklahoma. The mobile grocery store served over 10,000 people in only its second year of operation.
“We started a mobile grocery store to serve food deserts about four years ago,” she said. “We converted a nine-horse trailer into a grocery store that we can transport to different neighborhoods each day. We have 16 acres that consist of chickens, goats, aquaponics, fruit trees and vegetables that we stock the store with. We also have partner farms that grow produce for us as well as let us utilize the food they do not sell. Our customer base continues to expand significantly each year.”
With a portfolio which shows over 100 percent growth in food sales each year, her selfless attitude and entrepreneurial mindset is working well to benefit others. It is easy to see how her volunteer base is growing with individuals that want to give back.
In 2015 R&G Family Farm started ‘Hands to Harvest”, which redirects unsold produce to those who need it most. With this program, Plohocky takes volunteers to partner farms, grocery stores and restaurants to harvest unwanted food and leftover food waste. This food is either distributed through R&G Family Grocers’ mobile store, Food on the Move, Food Bank of Eastern Oklahoma, or taken back to their commercial kitchen for preservation. Between her farm, gardens, mobile grocery store and volunteering it can be hard to see how Plohocky has any free time to do anything else. However, Plohocky understands the importance of educating people across Oklahoma on our food needs at both the local and regulatory level.
Don’t be surprised if you see Plohocky out of her work clothes on the steps of the state capitol building. She has become a resounding voice for Oklahoma food security and has traveled to the state capitol several times to discuss policy related to food growth and distribution. Each year she coordinates the Oklahoma Food Security Summit which brings together national, state, tribal, and local food policy experts and community members to discuss food insecurity and develop solutions to take action. On the local level, she began the “Cooking for Health” program which teaches people how to grow and prepare fresh, healthy food all the while reducing food waste.
“We currently work with Tulsa Food Security Council, Lacy Park Community Center, Tulsa City-County Health Department, OSU Health Sciences, Tulsa Public Schools, Tulsa Community College, and many others to provide community classes around healthy food,” she said.
Listening to Plohocky describe all of the different facets of food and agriculture with which she’s involved can be challenging to keep up with. However, she claims it’s all more than worth it at the end of every day.
“By doing what we do, we hope to change lives for the better. Healthy diets can only be possible through diverse farming systems that ensure everyone has adequate access to local foods. Any day we get to do that is a day well spent,” Plohocky said.

Oklahoma’s seniors are the perfect target for con artists. Many of them have a “nest egg,” own their own home and have excellent credit. This summer the Oklahoma Insurance Department is arming seniors with the tools they need to protect themselves from fraud.
“Scam artists exploit the very traits in our older citizens that we love so much,” Oklahoma Insurance Commissioner John D. Doak said. “Seniors were taught to be polite and trusting. But we’re teaching them techniques and giving real-life examples to help them be mindful of the risks involving insurance and many other interactions and decisions.”
A panel of experts will fan out across the state to share information and advice in seven different cities in June and July. These Senior Fraud Conferences include topics on insurance fraud, Medicare fraud, investment fraud, banking fraud and current senior scams.
Some red flags that attendees will learn about include:
· Unrequested calls from Medicare or Social Security. Fraudsters claim to be with these offices asking for financial or other personal information to get beneficiaries a new card or better benefits. These are almost always a scam.
· Pressure to act quickly. If an offer is legitimate, it will still be there tomorrow.
· Unsolicited offers for free money or fast cash. A promise of lottery winnings and guaranteed returns from an unknown inheritance are likely scams.
· If it seems too good to be true, it probably is. Scam artists have a knack for making people believe they’ll be better off if they take the deal.
Each seminar is free for seniors and includes breakfast. Insurance professionals can attend a conference for four hours of Continuing Education (CE) credit. The cost for CE credit is $30.
The conferences are partially funded by the Administration on Community Living’s Senior Medicare Patrol grant. To attend, please RSVP by registering online at map.oid.ok.gov or by calling 800-763-2828.

June 1 – Pauls Valley
Donald W. Reynolds Recreation Center
1005 N. Willow
Pauls Valley, OK 73075

June 6 – Altus
Privett Event Center
1320 North Forrest
Altus, OK 73521

June 15 – Oklahoma City
Tower Hotel
3233 N.W. Expressway
Oklahoma City, OK 73112

June 27 – Tulsa
Marriott Tulsa Hotel Southern Hills
1902 E. 71st St.
Tulsa, OK 74136
June 28 – Grove
Grand Lake Event Center
26301 S. 655 Rd.
Grove, OK 74344
(Next to Grand Lake Casino Lodge and 1.5 miles south of Grand Lake Casino on Highway 10)

July 20 – Elk City
Western Technology Center
301 Western Dr., Rooms 103 & 104
Elk City, OK 73644

July 26 – Tahlequah
Go Ye Village
1201 W. 4th St.
Tahlequah, OK 74464

By Darlene Franklin

When I’m asked to name my heroes, I readily name a handful: Rosa Parks, Corrie Ten Boom, Eleanor Roosevelt, alongside Abraham Lincoln, George Washington, and others.
What makes a hero? Dwayne Johnson asked that question in his 2013 television series, The Hero.
In addition to my addiction to reality TV, I was interested in the answer. I was facing my own hero’s challenge. I had to battle back from a month-long hospitalization. I had never fully recovered from crippling weakness and arthritis which had left me unable to walk or do most of my daily activities, and led to my moving to a nursing home.
On my first day of therapy, I was wheeled down the hall to the gym. My physical therapist worked with my lower extremities, core strength, standing, endurance-walking? The occupational therapist focused on “activities of daily living,” more upper body. Could I raise my arms enough to brush my hair? Dress myself?
We had a long way to go, and a hundred days (according to government mandated guidelines) to accomplish the task.
Weakness and pain nibbled at the edges of my motivation. In one of my first sessions, my physical therapist gave me a simple task: stand up.
I called on all my strength and pushed myself to my feet. I remained there, tottering, for a few seconds.
“Sit down-gently. Don’t plop.”
I reached back for the wheelchair arm with one hand, then the other, then as slowly, as carefully as I could, lowered myself into the chair. I was spent.
“That was good,” she said cheerfully. “Now do it four more times.”
Every muscle trembled, and most of them screamed with pain. I adapted the mantra of the winner of The Rock’s competition as my own: “I will not let pain or fear defeat me. I will only fail if I cannot, physically, complete the task.”
I stood four more times that day. I learned an essential lesson in facing an overwhelming task: success has more to do with my willingness to do the hard thing than with physical facts.
My health continues to fluctuate. I’ve been to the hospital three times since Christmas and have just completed another hundred days of therapy.
I will not let pain and fear defeat me.
The lesson served me well. I began with enthusiasm, drive, and a definite goal: to walk around the nursing home.
More lessons headed my way.
· Accept a different normal.
My third hospitalization reminded me of a fact I had conveniently forgotten. Congestive heart failure-which leaves my heart pumping fine, sometimes high, more often low-creates problems for my other organs. They pick and choose when to work.
I decided to stop waiting for things to get better, because they probably won’t. That decision led to the next lesson.
· Do it anyway.
So what if I’m sore from this afternoon’s therapy and tired from last night’s battle with sleeplessness? Go ahead and write. Sing. Visit with friends. Attend church. Live life in the now, because that’s all I have.
And sometimes. . .
· Miracles happen.
For four years, I have worked to improve range of motion in my arms; I can’t clasp my hands together behind my head. We’ve worked on it as much as we’ve worked on walking, standing and everything else. Nothing had changed.
Until one day this session, something popped in my arms and they moved a few more inches. I still can’t rest the back of my head on my hands-but I can wash my hair and tie on a chin strap.
· The miracle you receive may not be the one you wanted or expected.
I ran into a foe that defeated my dreams of walking freely through the halls, at least until I can obtain appropriate equipment: I can’t go without oxygen. My legs will take me further than my lungs will.
“A hero is a person who is admired for. . .courage.” A lifetime has taught me courage is not the absence of fear, but acting in spite of fear.
In that case, maybe I am a hero. Maybe you are too.