Losing weight is hard. But as anyone who has dropped a few pants sizes can tell you, keeping it off can be every bit as challenging.
It turns out, though, that it likely takes more than just staying committed to a maintenance diet once you reach your goals. Scientists believe your body might actually be fighting to get back to where it was previously in a phenomenon called the ‘set point’ theory.
The idea is that, for some reason, your body has an idea of what weight it wants you to be, said Oklahoma Medical Research Foundation President Stephen Prescott, M.D. So whether you’ve lost 40 pounds or gained 15, your hormones will adjust in an effort to get you back to a particular point.
“A person’s weight may not always go all the way back to the original weight, but there appears to be some kind of intrinsic desire on the body’s part to get back to a certain weight and stay there,” said Prescott. “It’s not been proven scientifically, but there is increasing evidence to support it.”
The set-point theory isn’t new, but it has been re-popularized because of a recent study by scientists at the National Institute of Diabetes and Digestive and Kidney Diseases, who tracked the progress of contestants from the reality television show “The Biggest Loser.” For six years, they followed contestants after they shed massive amounts of weight for the popular competition.
The researchers’ discoveries gave the set-point theory a lot of ammunition, as the former contestants packed the pounds back on regardless of how strictly they adhered to their diets. Some even gained to a point higher than their original weight.
“It was a really dramatic, attention-grabbing example of the theory as it had previously been described,” said Prescott. “It also shows that there are mysteries we don’t quite fully understand, and you can’t just blame people for getting fat again. Some may not follow their diets as closely as they should, but it appears likely that people also end up fighting their own biology.”
Prescott said the study’s findings point to resting metabolism, or basal metabolic rate, which determines how many calories your body burns at rest.
Our bodies burn energy just keeping us alive. Prescott said somewhere around 70 percent of the calories you use each day are going to get burned no matter what, even if you’re just sitting on the couch or at your desk.
Your age, muscle mass, fitness level and height all contribute to how many calories your body burns. But the findings presented a paradox: The people who gained the weight back appear to have lower metabolic rates than expected based on these factors.
“It’s thought that this could be a result of a complex interplay between hormones that regulate how our bodies burn energy,” said Prescott. “These people were not burning as many calories as you would think based on their height, weight or age. They were gaining weight even on what would be considered a maintenance diet.”
In other words, if you should be burning around 2,000 calories on a maintenance diet based on your personal combination of factors but you have recently lost 20-30 pounds, your actual metabolic rate might have dropped to somewhere around 1,700 or so.
So if your body is determined to gain the weight back even after all your hard work to lose it, does this mean it’s time to throw in the towel and raid the freezer for that pint of rocky road?
“That’s a little too dramatic,” said Prescott. “There may be a tendency to do that, but I think there is hope that there are things you can do to alter or reset your set point.”
To influence this process in your favor, the best solution may rely on an old standby—the gym.
“An exercise regimen often leads to more success in maintaining a new, lower weight,” said Prescott. “Maintaining your new weight may tough, but increased understanding can help you start to rebuild your behavior and habits around a new number for better long-term outcomes.”
Battle at the scale: How your body fights to regain lost weight

Wellness program reels in senior men


by Bobby Anderson, Staff Writer
The fishing line hit the water at Lake Hefner and a Lisa Sydnor teared up.
The senior programs manager for The Salvation Army Central Oklahoma couldn’t help but getting a little misty-eyed watching the collection of senior men fishing from the docks on a picturesque June morning.
“It makes me cry,” Sydnor said. “The people that we are serving the majority of them live on virtually nothing. Can you imagine living on $750 a month? For them to be able to do something that they can enjoy and relax and they don’t have to worry about how much it costs …”
The Salvation Army Central Oklahoma recently received an $11,600 grant from the Oklahoma City Community Foundation and its Wellness Initiative grant program.
The grant will be used to assist in funding senior men’s activity programs, which will allow The Salvation Army to increase its level of service to men at their five senior centers.
On this morning everything was paid for and all the men had to do was reel in the striped bass.
The Salvation Army received the funding the third week of June and by the end of the month Oklahoma City seniors were already dipping their lines into Lake Hefner and pulling out fish.
Sydnor said The Salvation Army received a similar elder grant last year that centered around dance instruction.
“Lots of ladies enjoyed that. We had a great time and a great turnout but the guys didn’t participate,” she said. “They don’t really participate (overall). The focus of this grant was to identify things men would enjoy.”
The funding has helped purchase all needed fishing gear and tackle plus the cost of permits.
“We wanted to find things our seniors could participate in and enjoy and get out. The more you’re out and the more you do the better your are, the better you feel and the better your health is. Our goal is to get our men up and moving.”
Leatherworking and woodworking classes are planned for July and August.
“As we evaluated our activities at the senior centers, we discovered the men’s interest and participation was significantly lower than the women’s,” Sydnor said. “We are so pleased to receive this grant as it will allow us to provide the activities our senior men have told us they want.”
The Wellness Initiative grant will fund wood and leather craft kits; sports equipment for pool, darts, indoor golf and horseshoes; fishing equipment; and, tickets to sporting events. By providing these activities, The Salvation Army strives to increase participation of both men and women in their senior programs.
The Salvation Army Central Oklahoma operates five senior centers throughout the Oklahoma City metro. The centers are open every weekday to seniors ages 55 and older. Seniors have the opportunity to socialize, enjoy lunch and participate in numerous activities that include Bible study, exercise classes, crafts, dancing and much more.
Sydnor said the program is available at no charge to seniors.
Approximately 139,000 Oklahomans receive assistance from The Salvation Army Central Oklahoma Area Command each year through the broadest array of social services that range from providing food for the hungry, relief for disaster victims, assistance for the disabled, outreach to the elderly and ill, clothing and shelter to the homeless and opportunities for underprivileged children.
For more information on the programs and services at The Salvation Army Central Oklahoma, please visit www.salvationarmyokcac.org.
If you would like more information on the centers or other programs you can contact Sydnor at her office at 405-246-1120.
Centers are open 8 a.m. to 3 p.m. Monday through Thursday. On Fridays the centers are open 8 a.m. until noon. Coffee and snacks are served each morning with lunch at 11:30.
“The best way to plug into a center is just to call us. We can tell you where all the centers are,” Sydnor 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.
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.
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.”
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
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.
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.
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.
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.



