Whoever conceived of the idea for Norman Forward is to be commended. The Quality of Life projects are certainly important to our growing city. But at the same time, we should take time to reflect on Norman, backward though the years to the work accomplished by citizens who built our thriving community.
We need to show our appreciation to those citizens who got up every morning, went to work and paid their taxes to build roads, streets, schools, parks, a hospital and more that we use everyday. Many of those same people are retired, living in Norman, and they voted for Norman Forward with the expectation of a new senior center with space available to offer more activities than can be provided in the current center.
As Norman has grown, working people adapted to many changes in Norman, along with changes within their own families. Some lost spouses, family and friends, and with that, some lost badly needed contacts with people. A senior citizens’ center would be a perfect place to spend a few hours, meet new people, socialize and ward off depression which is prevalent in older citizens.
A forward-looking Norman should say thank you to earlier residents by opening the doors to a new center and making an extreme effort to contact and invite people to take part in the activities. Also, for their health’s sake, we must motivate these citizens to make new friends and remain vibrant.
Since recreation is the primary reason for the Quality of Life NF projects for younger people, city planners should extend the same criteria to seniors. Seniors need to move, too. Many NF projects will be delayed for the next 15 years, but the senior citizens’ project should not be one of them.
Nadine Jewell, Norman

Eric Olsen Executive Director HELPS nonprofit law firm. www.helpsishere.org

Sometimes seniors with lower incomes find themselves owing past due income taxes. Taxes they can’t afford to pay. As the Executive Director of HELPS, a 501 c nonprofit law firm that assist seniors with debt problems, I regularly talk with seniors distressed about past due taxes owed. Seniors want to pay their taxes, but sometimes there simply is insufficient income. Seniors need to know that laws and regulations have been enacted to assist persons with lower incomes to protect them from tax collection.
Most seniors don’t understand that social security, pensions, VA benefits and other forms of retirement income are protected by federal law. This income cannot be garnished for old debts such as credit cards or past due loans. An exception is the IRS occasionally will garnish 15% of a senior’s social security for past due taxes. However this will not happen without the senior being first notified. Steps can be taken to prevent a garnishment by the IRS.
For seniors that can afford to pay their taxes if the sum is less than $50,000 they can arrange for monthly payments over five years almost automatically. Lower income seniors can often be placed on uncollectable status with the IRS and pay nothing. An existing garnishment by the IRS can even be stopped. Seniors can apply for uncollectable status with the IRS over the phone or online. The IRS website provides budget guidelines to qualify for uncollectable status. These budget guidelines are not normally volunteered when applying for uncollectable status with the IRS. If you say you can pay something each month, the IRS will gladly take your money. Many lower income seniors underestimate their needs and pay a monthly payment they can’t afford to the IRS because they think they have to pay something. When according to IRS budget guidelines they could pay nothing.
Almost all seniors don’t realize that their local state tax collector cannot garnish social security and retirement income for past due state income taxes. Even when this money is deposited into a bank account, as long as it is traceable to social security and pension income it is exempt. If an account is garnished a claim of exemption can be filed for the money to be returned. State taxing agencies unfortunately will never tell seniors their income is protected. Instead they often will badger and intimidate in order to collect from seniors who don’t know their rights. If a state tax collector calls, a lower income senior can simply advise his income is federally protected social security, pension, VA benefits, or disability and they can’t afford to pay the tax.
Sometimes seniors are worried when they receive a “tax lien.” Language in the written lien notice makes them worry they are going to lose their home, car and other possessions. Tax collectors are not in the business of selling peoples homes. It just doesn’t happen in real life. Many seniors have little or no equity in a home for a lien to attach anyway. The taxing agency files the lien and hopes the tax gets paid if and when the home is sold. Tax collectors do not go after personal possessions, especially persons with lower incomes.
Bankruptcy is generally unnecessary for lower income seniors because their income is already protected. However taxes often can be eliminated through bankruptcy. The general rule is that the tax must be over three years old and have been assessed for at least two years in order to be eliminated through bankruptcy.
Certainly we should strive to pay our taxes. However laws and procedures are in place protecting lower income and poor seniors from tax collection. America wants seniors to have the food and medicines they need. If there is a choice between basics and paying taxes, seniors can take steps to stop tax collection action. Seniors income is in almost all instances protected and available for their needs.

Dear Savvy Senior,

After a recent hospital stay, I have a stack of confusing medical bills at home I need to decipher. I’ve heard these bills frequently contain mistakes. How do I spot them to ensure I’m not paying more than I need to be? Cautious Carol

Dear Carol,
Medical billing errors and overcharging is not uncommon. According to the American Medical Association, 7 percent of medical bills in 2013 had errors, and other groups estimate that figure to be much higher. Unfortunately, untangling those mistakes is almost always up to you. Here are some tips and tools that can help.
Check For Errors
To help you get a grip on your medical bills and check for errors, you need to familiarize yourself with what your insurance does and doesn’t cover. Then you need to carefully review the explanation of benefits from your insurer, and the invoices you receive from your doctor, hospital and/or outpatient facility providers.
These invoices need to be itemized bills detailing the charges for every procedure, test, service and supply you received. If you didn’t receive an itemized invoice, request it from your health care providers. And if the invoices contain any confusing billing codes or abbreviations that you don’t understand, ask them for an explanation. You can also look up most medical billing codes online by going to any online search engine and typing in “CPT” followed by the code number.
Once you receive and decode the invoices, keep your eyes peeled for these mistakes:
· Typos: Incorrect billing codes, a misspelled name or a wrong policy number.
· Double billing: Being charged twice for the same services, drugs, or supplies.
· Canceled work: Charging for a test your doctor ordered, then canceled.
· Phantom services: Being charged for services, test or treatments that were never received.
· Up-coding: Inflated charges for medications and supplies.
· Incorrect length of stay: Most hospitals will charge for the admission day, but not for day of discharge. Be sure you’re not paying for both.
· Incorrect room charges: Being charged for a private room, even if you stayed in a semi-private room.
· Inflated operating room fees: Being billed for more time than was actually used. Compare the charge with your anesthesiologist’s records.
To make sure the charges on your bill are reasonably priced, your insurance provider may offer an online price transparency tool, or use the Healthcare Blue Book (healthcarebluebook.com) or Guroo (guroo.com). These are free resources that let you look up the going rate of many procedures, tests or services in your area.
Make Corrections
If you find errors or have questions about charges, contact your insurer and your health care provider’s billing office. When you call, be sure you write down the date, time and name of the person you speak to and a summary of the conversation, in case you need to refer back to it at a later time.
If there’s a billing code error or some other mistake that’s easily correctable, ask your health care provider to resubmit a corrected claim to your insurance company.
Get Help
If you aren’t able to resolve the dispute on your own, you may want to consider hiring a medical billing advocate to work on your behalf. To find someone, try sites like billadvocates.com or claims.org. Most advocates charge an hourly fee – somewhere between $50 and $200 per hour – for their services, or they may work on a contingency basis, earning a commission of 25 percent to 35 percent of the amount they save you.
If you’re a Medicare beneficiary, another resource is your State Health Insurance Assistance Program (SHIP). They provide free counseling and can help you understand your medical bills and Medicare coverage. To find a local SHIP counselor visit shiptacenter.org, or call 800-633-4227.
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.

by Bobby Anderson
Staff Writer

Christmas is coming. All you have to do is close your eyes and listen.
Amid all the hustle and bustle and mall parking lot tussles you can can hear the ringing of a familiar bell.
Some 127 years ago the Salvation Army started hanging kettles from Thanksgiving to Christmas.
Legend has it it first began as a fundraiser to feed people on Christmas Day.
A San Francisco Salvation Army officer remembered that during his days in the Navy a pot was kept on the dock.
The pot had a sign on it that read “Keep the pot boiling.”
“It started a tradition and it spread quickly across the United States,” said Maegan Dunn, development marketing manager for the Salvation Army Central Oklahoma Area Command.
And for the last quarter century, John Dobson has manned his post and rung that bell.
Full disclosure – Dobson serves on the group’s board of directors.
But it’s more than an obligation.
“Twenty five, twenty six, thirty – I don’t keep track of it. It’s just an act of love,” Dobson said of how many years he’s run that familiar bell and worn that red apron.
Dobson credits his volunteer spirit to a former boss.
“He told me I needed to take a look at life,” he said.
So as an accountant by trade he started picking up the annual financial reports of the various charities.
“Salvation Army just stood out there all by itself,” Dobson said. “It doesn’t pay its national president $2 million a year. It’s because they’re committed to Christ.
“Literally, it’s a church.”
Dobson quickly learned that every one of those employees wearing the military-looking uniforms are ordained ministers.
It speaks volumes.
Dobson rings for two organizations each season. The first is the Rotary Club of Oklahoma City. The second is as a Salvation Army board member.
“I promise, give me someone for an hour and I’ll make believers out of them,” Dobson said of the annual campaign. “The people you just know because of your life’s issues you just think these people can’t pay and they put these pennies and nickels in these kids hands and they come running up. You pick them up so they can drop them in there.
“They just thrive for that and they remember from year to year.”
Dobson always rings the bell at the same location each year – the Belle Isle Wal-Mart.
“It’s significant but it’s nothing close to everything we need,” Dobson said. “The Salvation Army goes on 24 hours a day, seven days a week 365 days a year. A lot of people just think of us as just Thanksgiving and Christmas but it’s full time for everybody.”
At any time during the holiday season the Salvation Army literally has thousands of bell ringers at the nearly 80 locations.
Rotary groups, businesses, churches – there’s groups that come out of the woodwork to get their hands on a bell.
But some of those positions can’t be filled with volunteers so some positions are paid.
“It’s not only to man the kettle but it’s also a ministry for us,” Dunn said. “There are individuals who have seasonal jobs where they don’t have work in the winter and it helps give them a little extra money. We also have some homeless individuals and it makes extra cash for them to help keep them through the next few months.”
It’s in his nature to be a bottom-line type of guy, but Dobson knows there’s much going on here than nickels, dimes and spreadsheets
“It’s a life-altering experience,” Dobson says. “It is amazing.”
There will be several volunteer opportunities this month with the Salvation Army including:
• Angel Tree Workshop: You can come help prepare each Angel’s gifts at the distribution center. For ages 13 and up. Dates: December 5-17
• Angel Tree Distribution: Help Angel Tree families collect their gifts and assist them to their vehicles. For ages 13 and up. This is a great opportunity for corporations, businesses and individuals. Dates: December 19-23
• Ring the Bell: Schedule your family, club or business to ring the bell at one of the red kettle locations for a four-hour shift or adopt a whole a day. This raises funds for The Salvation Army’s programs like the food pantry, senior centers, homeless shelter, youth and after-school programs, and soup kitchen. Dates: Through December 24.
To volunteer, contact Lt. Kyle Madison at kyle.madison@ uss.salvationarmy.org or 405-246-1063.
To find out more about how you can get involved, visit www.salvationarmyokcac.org/volunteer today. Questions about volunteering can be answered by contacting the volunteer coordinator, Liz Banks, at 405-246-1107 or liz.banks@ uss.salvationarmy.org.

Oklahoma forester, Kurt Atkinson, is a recipient of the Society of American Foresters 2016 Fellow Award, a prestigious honor that recognizes long-standing service to the forestry profession.
“Kurt is most deserving of this honor,” said George Geissler, director, Oklahoma Forestry Services. “Now retired, Kurt had a stellar career of service with Oklahoma Forestry Services for over four decades. He was a leader, not only within our agency, but also in several statewide and regional professional organizations, including our state’s chapter of the Society of American Foresters.”
Atkinson received his forestry degree from Oklahoma State University in 1974 and began his career with Oklahoma Forestry Services, serving 33 years as Assistant Director and Management Chief. Under Atkinson’s leadership “Best Management Practices” were initiated. He also had a significant impact on forest management activities statewide, including stewardship, forest health, nursery operations, forest inventory analysis and the Forest Heritage Center Museum.
“Kurt has always been an insightful, respected, and visionary leader, and has served as a mentor and role model for many foresters in Oklahoma,” said Dr. Thomas Kuzmic, Oklahoma State University and District IX SAF Fellow Committee Representative. “I was honored to present Kurt’s nomination during the SAF committee proceedings earlier this year and was delighted with his selection to this year’s class.”
According to the Society of American Foresters, the rank of Fellow is one of the highest honors for members and signifies exceptional recognition by his or her peers for outstanding contributions and service to the organization and profession. Only 23 Fellows were chosen from across the nation for the 2016 class, with Atkinson being the only Oklahoman.

What do you hope to find under the Christmas tree? Salvation Army Central Oklahoma

I hope to find a new cast iron skillet with a lid.  Jeff Lara

Just to be home. That will be my only day off. Maj. Carlyle Gargis

Really, I’m not looking for gifts. I’m just the type of person who enjoys serving and doing for others.

James Dixon

I have everything I need. God has blessed me with everything. Meiing Ong

The Oklahoma Insurance Department is joining forces to spread a life-saving message to drivers: “Move over. It’s the law.” The message is part of an initiative by the Oklahoma Traffic Incident Management Steering (TIMS) Coalition. The Coalition also includes representatives from the Oklahoma Highway Patrol, Oklahoma Department of Transportation, Oklahoma Sheriffs Association, Oklahoma Emergency Management and many more.
“As the holidays approach and more people will be on the road, we’re asking Oklahoma drivers to be more mindful behind the wheel,” said Oklahoma Insurance Commissioner John D. Doak. “Not only is moving over the law, it will help save the lives of first responders and lower the number of costly traffic delays.”
According to the National Highway Traffic Safety Administration, 52 law enforcement officers were killed in traffic-related incidents last year. Oklahoma Highway Patrol Trooper Nicholas Dees was hit and killed last year along I-40. His mother is featured in a new public service announcement which began airing this month. It can also be viewed here.
“Half of me died because of one man that did not move over for emergency vehicles,” said Shelley Russell, Dees’ mother.
Oklahoma’s Move Over law requires drivers approaching a parked emergency vehicle with flashing lights, including wreckers, to move over to the next lane. If the driver cannot move over, he or she is required to slow down. Troopers suggest drivers reduce speed to 15-20 mph or slower. The penalty for failing to slow down or change lanes is a ticket with a fine of more than $200.
Another benefit of drivers abiding by the Move Over law is a reduction in the number of costly traffic delays. According to the Texas Transportation Institute, for each hour a vehicle is stuck in traffic $21 is wasted per vehicle in time and fuel.
One way to ease the burden of traffic is for drivers to move over if they are involved in a non-injury car accident. This allows drivers to safely exchange insurance information and not block the flow of traffic.
“Many drivers seem to think that moving over is just an optional courtesy when they see flashing lights or have a minor wreck,” Doak said. “It’s not optional. Move over. It’s the law.”

by Bobby Anderson
Staff Writer

More than 125,000 people die every year in the United States due to medication errors, said Cindy Fleming, an LPN with Asbury Durable Medical Equipment in Oklahoma City.
“That is so bad,” she said. “But like today I have a lady coming home from a skilled unit. So you know what I’m up against,” Fleming said. “She’s going to have her meds in a bubble pack, and half of them are going to come from home. So she’s going to be very confused to what’s what.”
So Fleming intends to recommend to the woman’s family that she obtain her medications from a Paratapass machine. This devise can hold 208 medications depending on the type of medication a pharmacist dispenses.
What it does is strip packs those medications by packing morning medications together, as well as packing all the noon and evening medications as needed.
They are properly labeled to have a description of the medication with the expiration date and dosage times. The patient does not have to fill a pill box or try to remember the date and time because it is written down.
“So they will know if they took it or not,” said Laura Cudd, a board certified pharmacist and owner of Asbury Pharmacy.
Patients discharged from a hospital after 30 days with certain medical conditions such as heart attacks, congestive heart failure, pneumonia and other acute cardiac problems will sometimes find that Medicare will not pay the same hospital when they require a second visit.
They end up going to another hospital while the first hospital is docked by Medicare for not preparing the patient properly, Cudd said.
Cudd came to Asbury Pharmacy from the Oklahoma Heart Hospital where she served as the clinical pharmacy manager.
“When I was there, what I did was design programs,” Cudd said. “I did things for meeting Medicare requirements and pain management protocols and diabetes protocols and all this kind of stuff.”
One of the things she focused on was patient re-admissions, investigating if why patients come back has anything to do with their medicines. She found that many patients were having a lot of problems due to not taking their medicine correctly. Cudd realized the next step in her career would be to address that issue. However, she didn’t feel she could accomplish her goal within the walls of the hospital.
“It’s always that transitional period when the patient leaves the hospital that they have problems,” Cudd explained.
There are many things a pharmacist can do to help patients, but they cannot control every aspect relating to patient care, she continued. There remains the issue of whether the patient will have a drug-related error when sent home and begin taking their medicine.
“It’s pretty surprising when people don’t always know how to take their medicines,” Cudd said. “Or they think they know and then the accidentally mess up.”
Knowing this information led Cudd to purchase a Paratapass for her pharmacy. The adherence ratio in the United States averages being nine to 10 days late in filling a prescription, Cudd said. This adds up to two months a year for patients being without their prescriptions. So the Paratapass machine helps patients bridge that gap by providing an extra month and a half of medication coverage that are crucial to health and survival, Cudd said.
When a patient is taking their medication appropriately in a manner that negates confusion then they are not missing days being without it.
“You don’t have them accidentally missing doses because they are dated and timed,” Cudd said. Fleming understands the benefit of the Paratapass because she came to work at Asbury Durable Medical Equipment with a background in home health. She works as a wound care specialist. Fleming also keeps an active administrator’s license.
“When I saw that she was launching this, I was so happy because home health battles this on a daily basis,” Fleming said.
Physicians will see a patient and tell home health nurses to provide a med planner, something Medicare does not provide the patient.
“They don’t consider that a skilled nursing need,” Fleming said. “People 65 and older take five medicines. That includes pharmaceuticals for the prescriptions, vitamins, minerals and supplements.”
The first month of a patient’s discharge from a hospital is crucial. Fleming said Oklahoma has started a new care coordinator’s group that meets quarterly. The group examines hospital rates, taking into account the number of patients hospitalized in the last six months. Where do the patients go?
“13,000 were discharged home. So many thousand were discharged to home health. So many went to hospice and so many went to nursing homes,” Fleming said. “But Medicare has mandated that these are penalty diagnoses they’re not going to pay for. And these hospitals are already struggling that are facing several hundred-thousand-dollar worth of fines.”
They are in rural under-served areas, so it’s a crisis, Cudd said.
The Paratapass helps patients remain safe and avoid returning to the hospital because they are taking their medicines in the correct manner.

Oklahoma City ballet dancers Valerie McDonald and Christina Wornick are the recipients of Watermark for Kids scholarship awards. The scholarships are presented by The Fountains at Canterbury and Watermark for Kids, a non-profit organization committed to empowering underserved kids, helping them pursue their passions and thrive. Watermark for Kids was founded by Watermark Retirement Communities, which manages The Fountains at Canterbury.
McDonald, a 17-year-old ballet dancer, will use the scholarship award to continue her Level 5 classes at the Dance Center of Oklahoma City Ballet. The school provides classical ballet technique instruction and prepares dancers for a professional role in the arts. McDonald hopes to pursue dance on the professional level after her formal training.
Wornick is a previous recipient of the scholarship award who has been dancing since the age of four. The 12-year-old dreams of becoming a famous ballerina. The Watermark for Kids scholarship will allow Wornick to continue her training at the Dance Center of Oklahoma City Ballet as a Level 4 student.
“Watermark for Kids is an amazing program that The Fountains of Canterbury is proud to facilitate in support of local students,” said Jim Story, liaison for Watermark for Kids at The Fountains at Canterbury. “Our community is passionate about Watermark for Kids because it provides children an opportunity to pursue their dreams. We are looking forward to watching our two recipients thrive while working towards their long-term goals.”
Residents and associates at The Fountains at Canterbury host fundraisers throughout the year to donate funds to the Watermark for Kids program.
For more information about Watermark for Kids visit www.watermarkforkids.org. To learn more about The Fountains at Canterbury please call (405) 381-8165 or go online to www.watermarkcommunities.com.