Tuesday, February 10, 2026

SAVVY SENIOR: Who’s Eligible for Social Security Survivor Benefits?

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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.

HIT A HOME RUN WITH SOCIAL SECURITY

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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.

OMRF scientist receives American Aging Association award

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Oklahoma Medical Research Foundation scientist Holly Van Remmen, Ph.D.

Oklahoma Medical Research Foundation scientist Holly Van Remmen, Ph.D., has received the Denham Harman Award from the American Aging Association. The honor, the highest bestowed by the organization, was presented to Van Remmen at the Aging Association’s annual meeting in Seattle earlier this month.
Established in 1978, the prize is a lifetime achievement award that recognizes scientists who have made significant contributions to the field of research in aging.
Van Remmen joined OMRF in 2013 and heads the foundation’s Aging & Metabolism Research Program. Prior to that, she spent more than two decades as an aging researcher at the University of Texas Health Sciences Center in San Antonio, where she earned her Ph.D. in 1991.
Her work has focused on age-related muscle loss and amyotrophic lateral sclerosis, also known as Lou Gehrig’s disease. During her career, she has made a series of important insights on muscle degeneration, and this past year she led study that found new links between traumatic brain injuries and neurodegenerative conditions.
“This is such a nice honor for me personally,” said Van Remmen, who was named the G.T. Blankenship Chair in Aging Research at OMRF in April. “But this award also lets me know that our colleagues across the country now recognize Oklahoma as a force in research on aging.”
In 2015, working with scientists at the University of Oklahoma Health Sciences Center and the VA Medical Center, she helped secure a Nathan Shock Center of Excellence in the Biology of Aging grant—one of only six awarded nationwide—from the National Institutes of Health. With OUHSC’s Arlan Richardson, Ph.D., she now serves as co-director of the Shock Center, which focuses on geroscience, the study of how aging impacts disease and changes that occur in aging that predispose people to disease.
The long-term goal of this work, she said, “is not to find a fountain of youth, but to address the declining quality of life as we age. We want people’s ‘healthspans’ to match their lifespans.”

22nd Annual Art Show at INTEGRIS Cancer Institute

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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.

July AARP Drivers Safety Classes

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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

Wellness program reels in senior men

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Participants like Ronald Haywood, Anthony Hudspeth, Ronnie Pruiett, Tony Hooks and Glenda Nash recently enjoyed a morning of fishing at Lake Hefner thanks to the Oklahoma City Community Foundation and Salvation Army Central Oklahoma.

Fishing add72

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.

Fraud Advisory: Social Security Inspector General Warns Public About Email Phishing Scheme

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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.

TRAVEL/ ENTERTAINMENT: Drive Australia’s Great Ocean Road, Victoria, Australia

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Central Park, New York City.
St. James Park, London.
St. James Park, London.

Take a stroll through one of these VirtualTourist recommended City parks.
Central Park, New York City, N.Y.
New ork City’s Central Park is perhaps an obvious choice, but hard to beat. Central Park was the first public park built in America, and was constructed in the middle of the 19th century to create a breathing space for the 500,000 people then living in New York City. It occupies 843 acres of prime real estate between Fifth and Eighth Avenues, stretching from 59th Street south to 110th Street north. On any given day you will find New Yorkers and tourists there in numbers, making full use of this wonderful green oasis in an otherwise manic city. Whether walking, jogging, running, exercising dogs or themselves, boating on the lake, playing ball, catching up with friends on one of the many benches or simply lying in the sun — there are so many ways in which to enjoy Central Park. VirtualTourist members say one of their favorite things is to take a walk in the part of the park known as the Ramble, a protected ecosystem that feels more like the woods than a park, and then relax for a while on a bench watching the rowers on the lake. Other activities include a visit to Central Park Zoo, a ride on the carousel and a walking tour.
St. James Park, London, England
St. James Park, the oldest Royal Park in London, is surrounded by three palaces — Westminster, the oldest, and now the Houses of Parliament, St James’ and, of course, Buckingham Palace. While VirtualTourist members say that all the London parks provide a welcome green oasis, St. James has the edge. Perhaps it’s the lovely lake with so many beautiful water birds, or maybe the great views to be had from its bridge. Stand there for a while and look toward Whitehall — the domes and copulas will make you think you are somewhere far more exotic than London. Then turn to look the other way and you’ll see one of the city’s most famous buildings, Buckingham Palace, which some say looks better from this distance than close up. This is also a great park for picnics, and for people-watching. So linger a while on the benches — or why not follow a great London parks’ tradition and hire a deck chair? And if you’re looking for refreshments, the park has an excellent restaurant and several snack kiosks. VT Tip: The famous resident pelicans are fed every day at 2:30 p.m.
Kings Park, Perth, Western Australia
One of the world’s largest and most beautiful inner-city parks, Kings Park in Perth has Aboriginal and European history, wonderful views of the city and the most spectacular Western Australian Botanic Garden, which displays more than 3,000 species of the state’s unique flora. There are sculptures, water gardens, a treetop walk, a gift shop, cafes and restaurants, wildlife and much more. One of the most moving experiences is the Memorial Walking Trail (1 mile). Along the war memorial path, you will pass the Flame of Remembrance whose flame never goes out. A look at it and you can see four torches, each one represents one of these forces — Navy, Air Force, Army and Women’s Services. It is a place to come and stand in silence, remembering the Western Australians who served in the wars and lost their lives. Around the walls are the names of all the major battlefields and there are plaques with the names of the Victorian Cross and the George Cross recipients from Western Australia.
Deukmejian Wilderness Park, Glendale, Calf.
Not many small- or medium-size cities can boast of three mountain ranges within its border, but Glendale, California, does. Stretching east and north from the San Fernando Valley, the city takes in substantial parts of the San Rafael Hills and the Verdugo Mountains, plus a small slice of the San Gabriel Mountains at the city’s northern extremity. At this northernmost spot in Glendale, overlooking the foothill communities of La Crescenta and Tujunga, lies Deukmejian Wilderness Park, named after former California Governor George Deukmejian. The 709-acre wilderness park features a picnic area, amphitheater, miles of hiking trails and plenty of parking. It is home to the historic Le Mesnager Barn, built in 1914, which the city is committed to turning into an interpretive center in the not-too-distant future. It is also home to the city’s robust volunteer Trails and Open Space program, which provides the community with opportunities for habitat restoration, interpretive programs, trail maintenance and trail safety patrols. The park is open from 6 a.m. until one hour after sundown and entrance is always free. VirtualTourist members say one of their favorite things here is the amazing views of Los Angeles, stretching as far as Santa Monica and Catalina Island on a clear day; as well as the animal spotting. Keep an eye out for numerous species of mammals, including coyote, mule deer, gray fox, bobcat and mountain lion, as well as a vast array of common lizards, snakes and 23 species of birds, including California quail, northern flicker, scrub jay, Nuttall’s woodpecker, American kestrel and Cooper’s, red-tailed and red-shouldered hawks. Golden eagles and California black bears have also been spotted!
Kandawgyi Park, Yangon (Rangoon), Myanmar
If the bustle of downtown Yangon is getting to you, you may want to go for a relaxing stroll in the Kandawgy Park, which translates as Royal Lake. There are plenty of shaded areas and it is very peaceful. The centerpiece of the park is the large Karaweik (Royal Barge). This is not an ancient monument, but a modern construction that houses a function hall amongst other things. As well as the Karaweik, there is a small children’s zoo and play area and various food outlets. The park also serves as a venue for pop concerts on the weekends. Somewhat incongruously, you may spot a fully camouflaged tank nestled amongst the bushes and there is a bevy of black swans on the lake making the entire scene quite beautiful. There is an admission charge for foreigners, about $2 USD.

(c) 2016 Virtualtourist.com, Distributed by Tribune Content Agency, LLC

What would be the first thing you would do when elected president?

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What would be the first thing you would do when elected president?

If I was elected president I would try to meet with all the countries having problems with Al-Qaeda and figure out how to live on the planet together.  Glenda Nash

The first thing would be to make sure all the elderly had their benefits and make sure everyone had insurance. Ronald Haywood

Lower taxes for everybody.  Anthony Hudspeth

I’m going to say ensure equal rights for everybody.  Ronnie Pruiett

Crystal Bowersox to Visit and Perform at Diabetes Camp

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Crystal Bowersox will visit Camp Blue Hawk July 20.

Acclaimed singer-songwriter inspires kids with type 1 diabetes to pursue their dreams

 

Crystal Bowersox understands how crucial it is to find a healthy balance on and off the stage. Diagnosed with type 1 diabetes (T1D) at age 6, Crystal — now 30 — reached the heights of American Idol in 2010 and maintains an ongoing musical career. Having nearly lost her spot on the show due to a short hospitalization brought on by the rigorous taping and rehearsal schedule, she vowed to make it her mission to touch others impacted by diabetes with her music and her message.

On Wednesday, July 20, Crystal will visit Camp Blue Hawk, a residential camp serving Oklahoma kids also growing up with T1D. Camp Blue Hawk is a project of Harold Hamm Diabetes Center–Children’s at the University of Oklahoma. This year’s five-day camp will serve 48 children ages 10 to 15 near Guthrie at the Central Christian Camp and Conference Center. Crystal will meet the campers, share her story, and perform briefly.

“Growing up with diabetes, I felt isolated from other kids because they didn’t understand the challenges I faced, and today I know there are many who experience the same things,” said Crystal. “However, despite the obstacles, I learned how to manage the disease, and I try to live my life to the fullest.”

Crystal’s grit and determination caught the eye of Lilly Diabetes, which today introduced her as its newest type 1 diabetes ambassador. Crystal’s visit to Camp Blue Hawk is part of the Lilly Camp Care Package program, one of the largest diabetes camp support programs in the United States.

Attending a diabetes summer camp can be a valuable experience for children learning to live with the disease, particularly those transitioning from parental care to self-care. A three-year survey by the American Diabetes Association® showed camp experience increases children’s diabetes knowledge, self-confidence, diabetes management and emotional well-being. Camps are especially valuable for newly diagnosed campers (less than one year since initial diagnosis) changed the most, with 19 percent showing improvement in their ability to manage diabetes-related issues.

Since finishing as first runner-up on Season 9 of American Idol, Crystal has released two full-length albums and two EPs, mostly featuring her own original songs. She has collaborated with Joe Cocker, B.B. King, Alanis Morissette, Jakob Dylan, John Popper of Blues Traveler, and Melissa Etheridge, among others. Originally from Northwest Ohio, Crystal now makes her home in Nashville.

Harold Hamm Diabetes Center (HHDC) is an OU Medicine Center of Excellence leading the way to prevent, treat, and ultimately find a cure for diabetes. HHDCChildren’s is the center’s pediatric division, housed in the OU Children’s Physicians building in Oklahoma City. This is Camp Blue Hawk’s second year; campers are invited by medical staff at HHDCChildren’s, and every camper attends on scholarship. www.haroldhamm.org

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