On Wednesday, June 19, from 1 to 3 p.m., the Oklahoma Historical Society will present a genealogy program entitled “Locating Early Oklahoma and Indian Territory Death Records.” Genealogist Mahlon Erickson will share information about death records and resources pertaining to early Oklahoma, Oklahoma Territory and Indian Territory.
Researching deaths in early-day Oklahoma can be difficult, as official death records were not consistently kept until 1920. Erickson has compiled an extensive database with more than 600,000 entries for deaths found in sources including newspapers, cemeteries, county histories, census records, American Indian records and many more. This presentation will delve into these sources for early Oklahoma deaths and help researchers understand where to find and how to use these materials.
This program is $5 for Oklahoma Historical Society members and $10 for nonmembers. We ask that you register in advance by calling the Research Center at 405-522-5225. This program will be held in the Clark and Kay Musser Learning Lab, which is located inside the Research Center on the first floor of the Oklahoma History Center. The Oklahoma History Center is located at 800 Nazih Zuhdi Drive in Oklahoma City.
The Research Center 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.

www.crawfordcares.com

Dear Savvy Senior,

As a teacher for 20 years, I receive a pension from a school system that did not withhold Social Security taxes from my pay. After teaching, I’ve been working for a small company where I do pay Social Security taxes. Now, approaching age 65, I would like to retire and apply for my Social Security benefits. But I’ve been told that my teacher’s pension may cause me to lose some of my Social Security. Is that true?

Ready to Retire

Dear Ready,
Yes, it’s true. It’s very likely that your Social Security retirement benefits will be reduced under the terms of a government rule called the Windfall Elimination Provision (or WEP).
The WEP affects people who receive pensions from jobs in which they were not required to pay Social Security taxes Ð for example, police officers, firefighters, teachers and state and local government workers whose employers were not part of the national Social Security system. People who worked for nonprofit or religious organizations before 1984 may also be outside the system.
Many of these people, like you, are also eligible for Social Security retirement or disability benefits based on other work they did over the course of their career for which Social Security taxes were paid.
Because of your teacher’s pension, Social Security will use a special formula to calculate your retirement benefits, reducing them compared to what you’d otherwise get.
How much they’ll be reduced depends on your work history. But one rule that generally applies is that your Social Security retirement benefits cannot be cut by more than half the size of your pension. And the WEP does not apply to survivor benefits. If you’re married and die, your dependents can get a full Social Security payment, unless your spouse has earned his or her own government pension for which they didn’t pay Social Security taxes. If that’s the case, Social Security has another rule known as the Government Pension Offset (or GPO) that affects spouses or widows/widowers benefits.
Under the GPO, spousal and survivor benefits will be cut by two-thirds of the amount of their pension. And if their pension is large enough, their Social Security spousal or survivor benefits will be zero.
There are a few exceptions to these rules most of which are based on when you entered the Social Security workforce.
Why Do These Rules Exist?
According to the Social Security Administration, the reason Congress created the WEP (in 1983) and GPO (in 1977) was to create a more equitable system. People who get both a pension from non-Social Security work and benefits from Social Security-covered work get an unfair windfall due to the formula of how benefit amounts are calculated.
These rules ensure that government employees who don’t pay Social Security taxes would end up with roughly the same income as people who work in the private sector and do pay them.
For more information on the WEP visit SSA.gov/planners/retire/wep.html, where you’ll also find a link to their WEP online calculator to help you figure out how much your Social Security benefits may be reduced. And for more information on GPO, including a GPO calculator, see SSA.gov/planners/retire/gpo.html.
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.

The YMCA of Greater Oklahoma City has partnered with Caleb’s Cause Foundation for the month of June to host a Diaper Drive at all 16 Greater Oklahoma City YMCA branch locations to collect diapers for Oklahoma children in need. Locations include all metro area branches, including Oklahoma City and Edmond and extend as far north as Guthrie and Stillwater and as far southwest as Chickasha. For a complete list of drop off locations, please visit www.ymcaokc.org/locations.
Everyone is welcome to drop off unopened packages of diapers to the box located in the lobby of each YMCA branch location during regular business hours. The box will display Caleb’s Cause Foundation’s information on it and unopened packages of diapers of all sizes and brands will be accepted, however, sizes 4, 5 and 6 are suggested due to the greater need in Oklahoma. Diaper Drive boxes will be available from June 1 – 30th. Caleb’s Cause Foundation will distribute all donated diapers to various pantries and resource centers around the state to serve Oklahoma children and families in need.
“YMCA has a long history of strengthening communities through various causes,” said YMCA VP of Communications Rachel Klein. “Caleb’s Cause Foundation struck us as a vital resource for young families and we want to help support by giving our members and community the opportunity to get involved and show kids how to help other kids within our own neighborhoods.”
Caleb’s Cause Foundation is a 501(c)3 not-for-profit organization created to allow children of all ages to be able to serve local children in need by providing diapers to thousands of Oklahoma children each year in an effort to stop child abuse. Founded in 2012 by Marcie Hines and her young son Caleb as a way to get involved in the community, they discovered there were limited opportunities for children to serve other children. Through their research, they discovered that a lack of diapers is one of the leading causes of child abuse. There are currently no state programs that cover the cost of diapers, a necessity for all children. Through prayer and guidance, Caleb’s Cause Foundation was created; to allow children to serve and be served.
Since July of 2012, Caleb and other children in the community have been able to help thousands of local children in need by participating in Caleb’s Cause Foundation’s annual fundraisers, as well as diaper drives they have held themselves. All in an effort to one day supply diapers to every child in need across the state of Oklahoma.
“Our families are having to make decisions of buying food for that week, or gas or buying that pack of diapers because they’re expensive,” said Founder of Caleb’s Cause Foundation Marcie Hines.
Did You Know?
There are no government programs that provide diapers or cover the cost.
An infant needs an average of 12 diapers a day, while a toddler needs 8.
Some low-income families are forced to keep their children in one diaper a day!
Statistics reveal not having enough diapers for daily changes causes: * Increased health problems * Child abuse is more likely to occur due to non-stop crying from continually wearing soiled diapers * Parent’s often miss work and keep their children out of daycare due to the lack of diapers * Some children with disabilities never outgrow the need for diapers, placing additional financial and emotional strain on struggling parents
For more information on how you can help or to host a diaper drive at your business, please visit www.CalebsCauseFoundation.org.

To schedule an interview with Caleb’s Cause Foundation and YMCA of Greater Oklahoma City, please contact Nicole Thomas at (405) 706-7484 or Info@CalebsCauseFoundation.org.

Storm victims with insurance will be protected after a bulletin was issued today by the Oklahoma Insurance Department. The bulletin directs all insurance companies to keep coverage in effect for storm victims for the next 30 days.
“The effects of the severe weather and flooding have made it difficult for Oklahomans to carry out every day activities, much less tend to their insurance premiums,” Oklahoma Insurance Commissioner Glen Mulready said. “This is the time that storm victims need their insurance company to be on their side and why the Insurance Department is calling for a moratorium on policy cancellations.” The bulletin applies to all insurance entities, including health maintenance organizations, accident and health insurers, third party administrators, discount medical plan organizations, property and casualty insurers, surplus and excess lines insurers and county mutual insurers. It includes property and casualty insurance, life insurance, accident and health insurance, disability insurance and all lines of coverage regulated by the Oklahoma Insurance Department.
Some key points of the bulletin are:
* All coverage for storm victims shall continue under all insurance policies for the next 30 days.
* Storms victims can get a copy of their insurance policy free of charge.
* Any rate increases for policies in the affected areas filed on or after the effective date of the bulletin will be deferred.