It is the distinct pleasure of the Troy and Dollie Smith Wellness Center at the INTEGRIS Cancer Institute to invite you to our 22nd annual art exhibit dedicated to the curative powers of creativity and to all whose lives have been affected by cancer. This will be our biggest show yet, with more than 200 pieces of art.
Artists of all ages wishing to express how their lives have been affected by cancer will have their work on display. The pieces are individual or collaborative, done by professionals as well as first-time artists. The exhibit showcases all forms of art including fiber, graphics, oil, watercolor, mixed media, photography, pottery, sculpture, writing and poetry. Pieces will be displayed from July 29 through Sept. 9, 2016.
OPENING RECEPTION Artists, cancer survivors, families and friends will be recognized at the 22nd annual Celebration of Life Art Show and Opening Reception on Friday, July 29, 2016, from 5:30 to 7:30 p.m. at the INTEGRIS Cancer Institute, 5911 W. Memorial Road, Oklahoma City, OK 73142. To RSVP for the event, please call 405-951-2277.
22nd Annual Art Show at INTEGRIS Cancer Institute
Senior Helpers Opens Doors in Oklahoma City

Local In-home Senior Care Company to Bring 50 New Jobs to the Area
Senior Helpers, the nation’s premier provider of in-home senior care, today announced the official opening of its Greater Oklahoma City North location, to be managed and operated by husband and wife team John and Laurie Stansbury together with their partner, Sharon Johnson MSN, RN, CNE, who will serve as president and chief nursing officer. The new franchise will serve senior citizens and their families throughout the Greater Oklahoma City area, which includes Edmond, Deer Creek, Piedmont, Warr Acres, Bethany, Yukon, Mustang, Midwest City, Del City, Moore-Norman, and Guthrie. It hopes to bring more than 50 new jobs to the region over the next year. Senior Helpers’ professionally trained caregivers will help local seniors continue to enjoy the comfort of their own home despite age-related illnesses and mobility challenges.
“All three of us have personal experience caring for a family member living with early onset Alzheimer’s, and we understand profoundly how challenging it can be without the proper care,” said Laurie. “Through Senior Helpers, we’re providing a valuable resource by helping to alleviate this stress and ensure a better quality of life for families in our community through personalized in-home senior care.” Sharon adds, “Over the years, Senior Helpers has established itself as the best option for navigating the challenges of in-home senior care today, and we are proud to be a part of this company.”
Founded in 2001, Senior Helpers operates with a vision to be the leading home care company in each community it serves. Its caregivers in Oklahoma City are fully trained and certified to offer the highest level of care possible based on the company’s Senior Gems® Alzheimer’s and Dementia care program. As the gold standard for excellence in personalized in-home senior care, the program was developed in conjunction with nationally recognized dementia care expert Teepa Snow and is endorsed by the Alzheimer’s Foundation of America and the American Society on Aging. Local residents will also benefit from the company’s new Parkinson’s Care Program, a specialized training and certification program created in conjunction with leading experts from the National Parkinson Foundation’s Center of Excellence.
“We’re pleased to welcome Laurie, John and Sharon to our team as the newest Senior Helpers franchise owners,” said Chris Buitron, vice president of marketing for Senior Helpers. “This amazing triobrings a passion for their community and an acute understanding of in-home senior care to their new roles. This will serve them well and also will be rewarding for seniors and families living in Oklahoma City and the surrounding area.”
Senior Helpers is the nation’s largest premier in-home senior care company in the U.S. with over 270 franchised businesses operating across the country. Founded in 2001 with a vision to help seniors who wish to remain in their homes despite age-related illnesses and mobility challenges, Senior Helpers has now cared for tens of thousands of seniors with a pledge to provide “care and comfort at a moment’s notice.” Senior Helpers offers a wide range of personal care and companion services, including trained Alzheimer’s, dementia and Parkinson’s care, to assist seniors who wish to live independently. Learn more by visiting http://www.seniorhelpers.com.
ST. ANTHONY HOSPITAL OPENS PAVILION

St. Anthony Hospital opened its new Pavilion on Wednesday, June 22. The Pavilion, located on the east side of the campus and accessible from its Walker Avenue entrance, houses a new 36 bed emergency department, two 24 bed intensive care units, and a 24 bed progressive care unit. The 111,000 square foot, four-story facility project represents the crowning point of the hospital’s $220 million campus expansion plan announced in 2004 after it affirmed its decision to stay in Midtown. The emergency room is the first department to open in the new facility on June 22, followed by the opening of the new progressive care unit and the two new intensive care units over the next two weeks.
“We are excited about the Pavilion completion, as it represents significant enhancements for the benefit of our patients,” stated Tammy Powell, president, St. Anthony Hospital. “Our new emergency room, intensive care units and progressive care unit expand our capacity to accommodate the growth of patients seeking care through our state-wide rural affiliate network and four St. Anthony Healthplex campuses in Oklahoma City. The facility features many medical care advancements to improve upon the exceptional care we provide as well as improve the patient and visitor experience.”
The Pavilion expands the St. Anthony Emergency Room to 34 exam rooms and increases the hospital inpatient beds by 72. St. Anthony Hospital’s total inpatient licensed beds with the new expansion is 774 beds.
In 2003, St. Anthony Hospital announced it was contemplating a move because the Midtown area was in significant decline. Dilapidated buildings were common place in Midtown, and very little business investment was occurring outside of the hospital complex. In 2004, after collaborating with community and civic leaders, the hospital made the decision to stay in its 100+ year home. St. Anthony revealed an aggressive redevelopment plan for its campus. The City of Oklahoma City committed to provide assistance with streetscapes and traffic flow improvements. Over the past 12 years, the hospital invested in upgrades of patient care and common areas, redesigned and expanded its east entrance, opened a new medical office building, rehabilitation unit and $30 million surgery center, and completed numerous campus beautification projects.
City improvements in the area included the construction of two roundabouts as well as numerous streetscape projects. The City also offered assistance with the removal of dilapidated buildings. As improvements in the area were made, Midtown became an attractive area for developers. Today, Midtown is vibrant as a walkable community with restaurants, entertainment, housing and retail growth.
Rees and Associates were the architects for the $53 million project, and Turner Construction Company was the general contractor.
July AARP Drivers Safety Classes
Date/ Day/ Location/ Time/ Registration #/ Instructor
July 7/ Thursday/ Okla. City/ 9:30 am – 4 pm/ 951-2277/ Edwards
Integris 3rd Age Center – 5100 N. Brookline suite 100
July 8/ Friday/ Okla. City/ 9 am – 3:30 pm/ 951-2277/ Edwards
S.W. Medical Center -4200 S. Douglas, Suite B-10
July 12/ Tuesday/ Midwest City/ 9 am – 3:30 pm/ 691-4091/ Palinsky
Rose State, Professional Tng. & Ed. Ctr. – 1720 Hudiberg Drive
July 15/ Friday/ Okla. City/ 9 am – 3:30 pm/ 297-1455/ Palinsky
Will Rogers Senior Center – 3501 Pat Murphy Drive
July 19/ Tuesday/ Edmond/ 9 am – 3:30 pm/ 210-6798/ Palinsky
AARP State Office – 126 N. Bryant
July 22/ Friday/ Okla. City/ 9 am – 3:30 pm/ 752-3600 478-4587/ Reffner
Mercy Hospital – 4300 W.Memorial Rd.
July 25/ Monday/ Shawnee/ 9 am – 3:30 pm/818-2916/ Brase
Shawnee Senior Center – 401 N. Bell St.
Aug 4/ Thursday/ Okla. City/ 9:30 am – 4 pm/ 951-2277/ Palinsky
Integris 3rd Age Life Center – 5100 N. Brookline, Suite 100
Aug 16/ Tuesday/ Norman/ 9 am – 3:30 pm/ 307-3176/ Palinsky
Norman Regiional Hospital – 901 N. Porter
Aug 19/ Friday/ Okla. City/ 9 am – 3:30 pm/ 376-1297/ Palinsky
Woodson Park Senior Center – 3401 S. May Ave.
Sept 1/ Thursday/ Okla. City/ 9:30 am – 4 pm/ 951-2277/ Edwards
Integris 3rd Age Life Center – 5100 N. Brookline, Suite 100
Sept 7/ Wednesday/ Norman/ 9 am – 3:30 pm/ 307-3176/ Palinsky
Fowler Toyota – 4050 Interstate Drive
The prices for the classes are: $15 for AARP members and $20 for Non-AARP. Call John Palinsky, zone coordinator for the Oklahoma City area at 405-691-4091 or send mail to: johnpalinsky@sbcglobal.net
SAVVY SENIOR: 10 Ways Seniors Can Avoid Identity Theft
Dear Savvy Senior, What can seniors do to protect themselves from identity theft? My brother-in-law, who’s 77, recently had his identity stolen and I want to make sure it doesn’t happen to me. 10 Ways Seniors Can Avoid Identity Theft
Dear Worried,
Great question! Each year around 17 million people fall victim to identity theft, which happens when someone gets access to your Social Security number, bank or credit card account number, or other identifying information and uses it to steal from you. Here are some free steps you can take to reduce your risks.
Guard your personal information: Never give your Social Security number, credit card number, checking or savings account numbers to anyone unless you initiate the contact. Also, do not carry your Social Security card around in your wallet or purse, and don’t carry around your Medicare card either unless you’re going to the doctor.
Get off mailing lists: Put a stop to preapproved credit-card offers, which is a gold mine for ID thieves. To do this visit optoutprescreen.com or call 888-567-8688 – they will ask for your Social Security number and date of birth. You can stop other junk mail at dmachoice.org, and reduce telemarketing calls at donotcall.gov.
Use strong passwords: To safeguard your personal data on your smartphone or tablet don’t use a password that’s easy to hack, like 1234 or 0000. Also, make your computer passwords more than 8 characters long, with uppercase and lowercase letters, numbers, and symbols like # and %, and use different passwords on different accounts. If it’s hard to remember them, try a password manager service like dashlane.com, truekey.com or lastpass.com.
Be wary of unknown emails: Never click on links in emails from strangers, or those that claim to be from the Social Security Administration, IRS or other government agencies, or from your bank, phone or credit card company warning of a “problem.” This can result in identity-stealing malware being installed on your computer. To protect your computer from malware, install antivirus software (see avg.com and avast.com for free options) and set up automatic security updates and full weekly scans.
Secure your mail: Empty your home mailbox quickly or buy a locked mailbox to deter thieves. And mail outgoing payments from a U.S. Postal Service mailbox or the post office, not from your more vulnerable home mailbox.
Get safer credit cards: If you don’t already have one, get an EMV chip credit card from your credit card provider. They’re much more difficult for fraudsters to hack than magnetic strip cards.
Shred unneeded documents: Buy a crosscut paper shredder so you can shred all unneeded records, receipts, statements, preapproved credit offers or other papers you throw out that has your financial or personal information.
Monitor your accounts: Review your monthly bank and credit card statements carefully, and see if your bank or credit card issuer offers free alerts that will warn you of suspicious activity as soon as it’s detected. If they do, sign up for them or use eversafe.com, which will do it for you for a small fee.
Watch your credit: Check your credit report at annualcreditreport.com or call 877-322-8228. You can receive one free report a year from each of the three major credit bureaus (Equifax, Experian and TransUnion), so consider staggering your request so you can get one free copy every four months.
Set up security freezes: If you don’t plan to apply for new credit, loans, insurance or utility services, freeze your credit reports so crooks can’t open up new accounts in your name. Rules vary by state, but the $5 to $20 fee is waived if you’re 65 or older, or show proof of past ID theft. Security freezes are set up at all three credit bureaus at equifax.com, experian.com and transunion.com.
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.
Fraud Advisory: Social Security Inspector General Warns Public About Email Phishing Scheme
The Acting Inspector General of Social Security, Gale Stallworth Stone, is warning citizens about a suspicious email “phishing” scheme that recently surfaced. The Office of the Inspector General (OIG) received reports that several hundred employees of a private company, with offices across the country, recently received an email message that appears to be from the Social Security Administration (SSA). The message alerts a recipient of “unusual” activity with his or her Social Security number (SSN). The email subject line reads, “Review Your Social Security Activity”, and while the email sender displayed is “Social Security Administration,” the corresponding email address is ceriley@centurytel.net. The message includes a PDF attachment with the heading “Notification.” It advises the recipient, “We detected something unusual about a recent use of your SSN” and “to help keep you safe, we required an extra security challenge.” The message states that if the recipient did not recently use his or her SSN, then a “malicious user” might have misused the recipient’s number. It asks the recipient to review recent activity via an embedded link, which links to a suspicious SSA-like site. Further, to appear legitimate, the notice includes SSA’s official seal and the words “Social Security Administrator, United States Of America” in the signature. This type of phishing scheme could lead to identity theft or Social Security benefit theft. Therefore, Acting Inspector General Stone urges all citizens to be extremely cautious when receiving requests to provide personal information over the internet or the telephone. “Don’t provide your Social Security number, bank account numbers, or other personal information, including account passwords, over the internet or by telephone unless you know and trust the source requesting it,” Stone said. “You should be extremely confident that the source is a legitimate entity, and that your information will be secure after you provide it.” Before clicking an embedded email link, try to verify the source. One method of verifying the true source is to hover over the linked text, without clicking, to reveal the destination address. For instance, in the email described above, the attachment includes the text “Review your activity,” which links to www.ssa.gov.kerodun.net/activity. While ssa.gov appears in the destination address, the “kerodun.net/activity” portion of the address is suspicious; users should be vigilant of similar questionable web addresses. If a person has questions about any communication—email, letter, text, or phone call—that claims to be from SSA, Stone recommends contacting a local Social Security office, or calling Social Security’s toll-free customer service number at 1-800-772-1213, 7 a.m. to 7 p.m., Monday through Friday, to verify its Fraud Advisory legitimacy. (Those who are deaf or hard-of-hearing can call Social Security’s TTY number at 1-800-325-0778.) Individuals may report suspicious activity involving Social Security programs and operations to the Social Security Fraud Hotline at https://oig.ssa.gov/report, or by phone at 1-800-269-0271, 10 a.m. to 4 p.m., Eastern Time, Monday through Friday. (Those who are deaf or hard-of-hearing can call the OIG TTY number at 1-866-501-2101.) For more information, please contact Andrew Cannarsa, the OIG’s Acting Communications Director, at (410) 965-2671.
Rodeo Queen earns senior title


by Bobby Anderson, Staff Writer
Dove Morgan Schmidt’s youngest child always told her that she should find a pageant somewhere and enter it because she was sure to win.
Little did she know that pageant would be the Ms. Oklahoma Senior America pageant and she indeed would be the winner.
“I felt like as the runners-up were going either this went really bad or really good,” she said with a laugh. “I was just doing it for us. I told my husband I’m going to relax and do it for fun and be the best I can be.”
Morgan Schmidt was one of 20 senior women who offered their philosophy of life, presented a talent and dressed up in their best during the mid-June event.
“I was very shocked,” she said. “There were some very strong women in the competition. It took about three days to actually sink in.”
She will compete in the national contest for Ms. Senior America in Atlantic City, New Jersey on October 20.
Morgan Schmidt is the mother of five children and has four grandchildren. She grew up in a ranching family, living the cowboy way of life with cattle and horses.
Having an alcoholic father showed her the need to point children to positive choices while they are still young. She and her husband Mike host more than 250 children each year at their Crossroads Ranch where they teach character, work ethic, basic horsemanship and other life skills in a strong, Christian old West setting.
They teach young and old alike to set goals, dream big and live life to the fullest.
Weekly during the summer Morgan Schmidt and her husband welcome a busload of at-risk youth typically from the Tulsa inner city.
What awaits those kids once they step off the bus is a lesson in a life that tends to stick with them.
“It’s all Old West. We don’t have any video games,” she said. “We teach goal setting and just real strong moral and work ethics and strength and confidence.”
“It’s pretty fun. It’s always entertaining as well. Most do really well and they get a lot of confidence. Most of what they gain is a real strength of character.”
Morgan Schmidt is also a counselor and anger management specialist.
Some of the children come in as victims of sexual abuse.
Seeing them open up around the horses is a true blessing she says.
She believes in giving back by volunteering at Tulsa Youth Works, serving as a board member of Bristow Social Services, and the Indigenous People’s Foundation (International).
She has worked with the prison/parolee program since 1989 and is a Rodeo Queen judge and coordinator.
Family and encouraging people to walk a purposed life, horse training, helping children and adults with horse and life skills at the ranch plus writing books and articles and reciting cowboy poetry are among her many interests.
Morgan Schmidt founded the Crossroads Ranch Ministries and is a member of Chandler Assembly of God Church and the Cowboys’ United Cowboy Church. Nearly 200 people came to see the event, held at the Westminster Presbyterian Community Center’s basement theatre.
Morgan Schmidt will now take part in speaking engagements throughout various communities. Her message is simple.
“That women need to keep living,” Morgan Schmidt said. “The rest of their years need to be the best of their years. I’m 61 and all the time whenever I go someplace someone says ‘Oh, when you get to my age you’ll know what I mean.’ Almost every single time I’m older than they are but they don’t know it.”
Several family members were able to attend to see Morgan Schmidt earn her crown. Others anxiously waited for updates via Facebook.
“I would love to encourage other women 60 and older to look into the pageant,” she said. “It’s a once-in-a-lifetime experience. It’s a great way to connect.”
Wynelle Record, Oklahoma City Cameo Club member, and previous pageant participant said the pageant is about celebrating senior women and all they still have to offer.
“We were little girls playing grown up and all of us got to be Cinderella,” Record said. “We represented the communities we were from.”
AllianceHealth Midwest invests in care

by Bobby Anderson
Staff Writer
With mental health services in our state disappearing at an alarming rate AllianceHealth Midwest has doubled its commitment to helping patients.
The hospital has opened a new mental health unit featuring 32 patient rooms, large community rooms, a group therapy room and occupational therapy room. The hospital now has 72 beds and has a special focus for seniors.
In behavioral health for 25 years, James Hutchison was brought in by the health system to open the new unit.
“They needed experienced leadership from the psychiatric perspective,” Hutchison said. “They needed someone to grow them through the expansion. I fix things.”
Hutchison said for the last year the hospital was forced to turn away 75 seniors and 25 adults each month due to space restrictions.
The hospital applied to the state for a certificate of need in order to begin building.
Judy Anderson, RN, has been a nurse for 37 years now. She said the new facility is a blessing for all involved.
“This is going to be really nice for seniors, it’s state of the art, it’s something for them,” Anderson said. “I think people tend to push seniors back and we’re pushing seniors forward and that’s what I think is so important. A lot of people will instead of dealing with someone with Alzheimer’s or dementia they’ll put them in a nursing home and just not deal with them.”
DEALING WITH THE PROBLEM
Anderson understands that just because someone begins to show signs of dementia or Alzheimer’s doesn’t mean that they immediately need to be in a long-term care facility.
“If we have them here sometimes we can get them on the right medication and they can go home and live successfully there for years,” she said.
Anderson said many times when you begin seeing a change in your loved one it can be spurred by treatable medical conditions sometimes as simple as a urinary tract infection.
“If we can get them in here early enough and address their medical problems … early onset dementia can be stopped with (medication) and they can go home and lead a normal life for a long time. We just have to get the public aware there are other alternatives.”
“People don’t live it until their parents have it.”
Gloria Ceballos, RN, PhD, serves AllianceHealth Midwest as the chief nursing officer. She said the hospital has a special focus on senior adults.
“It’s a commitment because our community needs it,” Ceballos said. “This unit will never cure anybody. This unit is here to address the crisis. We do know how to treat them with medications or trying some other treatment and incorporating the family.”
Hutchison said having a facility like this in place not only helps the patients and their families but the community as a whole.
When an untreated mental health patient acts out often times law enforcement is called.
“They pick up people with mental health issues and they don’t have any place to take them,” Hutchison said. “They take them to the emergency department because that’s their only option. There emergency department holds them one to two hours or one to two days. If that person is under arrest the officer has to stay with them that whole time which takes them off the street for hours.”
Once the patient leaves the hospital, Hutchison said they will often commit a crime whether intentionally or unintentionally.
“We’ve had a lot of patients say they don’t know what else to do. They do this because they don’t have any place to live or get medicine,” Hutchison said. “It causes a huge problem for law enforcement and the community because there is no place for them to go.”
The new facility will serve as a stabilization and treatment point at a time when providers are leaving the mental health arena.
“This hospital has basically invested a huge amount of money at a time when a lot of other places are closing,” Hutchison said. “Everybody knows about the legislative issues with funding so at a time when everyone is scaling back we spent a fortune on this floor.”
Providing a safe transition point is the focus and Anderson says AllianceHealth Midwest nurses are there to serve seniors in whatever capacity they need.
“I think one of the most important things we do here is not medication it’s listening, listening to the family about the problems and listening to the patient to find out what’s really going on,” Anderson said.
HIT A HOME RUN WITH SOCIAL SECURITY
By Jose M. Olivero Social Security Public Affairs Specialist in Oklahoma
A home run is a highlight of any baseball game. The fans cheer with excitement to see a player rocket the ball into the stands. So, what are you doing to prepare for your retirement home run? Your goal should be to get past 1st, 2nd & 3rd base and make it home with a hefty plate of savings. Social Security has many tools to help you achieve financial security. Take the first step and visit www.socialsecurity.gov/myaccount. The benefit of having a my Social Security account is that it gives you access to your personal Social Security Statement, verification of correct earnings, and an estimate of your early retirement benefits at age 62, full retirement age of 66, and delayed age at 70. We protect your information by using security features and strict identity verification to detect fraud. In several states including the newly added Idaho, Mississippi, and North Dakota, you can request a replacement Social Security card online. Find out if your state offers the service at www.socialsecurity.gov/ssnumber. In addition to using your personal my Social Security account to prepare for a comfortable retirement, you can visit www.myra.gov. At myRA, you can access new retirement savings options from the Department of the Treasury. This service is designed for the millions of Americans who struggle with saving for retirement — it’s an easy and safe way to help you take control of your future. myRA is designed for people who don’t have a retirement savings plan through their employer, or are limited from other savings options. If your employer provides a retirement savings plan, such as a 401(k), learn more about that plan’s potential for matching contributions or other benefits. Since myRA isn’t connected to any employer, it allows workers to hold on to it when they move to different jobs. myRA makes your money grow faster than a traditional savings account. Having both my Social Security and myRA accounts in place, you’re guaranteed to hit a home run in successfully planning for your future. Learn more about all of your choices at www.socialsecurity.gov.
SAVVY SENIOR: Who’s Eligible for Social Security Survivor Benefits?
Dear Savvy Senior, Who all is eligible for Social Security survivor benefits? My ex-husband died last year at the age of 59, and I would like to find out if me, or my two kids – ages 13 and 16 – that we had together are eligible for anything? Divorced Widow
Dear Divorced,
If your ex-husband worked and paid Social Security taxes, both you and your kids may very well be eligible for survivor benefits, but you need to act quickly because benefits are generally retroactive only up to six months. Here’s what you should know.
Under Social Security law, when a person who has worked and paid Social Security taxes dies, certain members of that person’s family may be eligible for survivor benefits including spouses, former spouses and dependents. Here’s a breakdown of who may be eligible.
Widow(er)’s and divorced widow(er)’s: Surviving spouses are eligible to collect a monthly survivor benefit as early as age 60 (50 if disabled). Divorced surviving spouses are also eligible at this same age, if you were married at least 10 years and did not remarry before age 60 (50 if disabled), unless the marriage ends.
How much you’ll receive will depend on how much money (earnings that were subject to Social Security taxes) your spouse or ex-spouse made over their lifetime, and the age in which you apply for survivors benefits.
If you wait until your full retirement age (which is 66 for people born in 1945-1956 and will gradually increase to age 67 for people born in 1962 or later), you’ll receive 100 of your deceased spouses or ex-spouses benefit amount. But if you apply between age 60 and your full retirement age, your benefit will be somewhere between 71.5 – 99 percent of their benefit.
To find out what percentage you can get under full retirement age visit ssa.gov/survivorplan/survivorchartred.htm.
There is, however, one exception. Surviving spouses and ex-spouses that are caring for a child (or children) of the deceased worker, and they are under age 16 or disabled, are eligible to receive 75 percent of the worker’s benefit amount at any age.
Unmarried children: Surviving unmarried children under age 18, or up to age 19 if they’re still attending high school, are eligible for survivor benefits too. Benefits can also be paid to children at any age if they were disabled before age 22 and remain disabled. Both biological and adoptive children are eligible, as well as kids born out of wedlock. Dependent stepchildren and grandchildren may also qualify. Children’s benefits are 75 percent of the workers benefit.
Dependent parents: Benefits can also be paid to dependent parent(s) who are age 62 and older. For parents to qualify as dependents, the deceased worker would have had to provide at least one-half of the parent’s financial support.
But be aware that Social Security has limits on how much a family can receive in monthly survivors benefits – usually 150 to 180 percent of the workers benefit.
You also need to know that in addition to survivor benefits, surviving spouses or children are also eligible to receive a one-time death benefit of $255.
Social Security also provides surviving spouses and ex-spouses some nice strategies that can help boost your benefits. For example, you could take a reduced survivor benefit at age 60, and could switch to your own retirement benefit based on your earnings – between 62 and 70 – if it offers a higher payment.
Or, if you’re already receiving retirement benefits on your work record, you could switch to survivors benefits if it offers a higher payment. You cannot, however, receive both benefits.
You also need to know that if you collect a survivor benefit while working, and are under full retirement age, your benefits may be reduced depending on your earnings.
For more information, visit ssa.gov/survivorplan or call 800-772-1213.
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.



