February 2016

World War IILocal Veterans

VOICEThe Senior

Published Locally Since 1980 February 2016

My Friend Flicka Mary O'Hara's Life

2 • The Senior Voice • February 2016

(Editor’s Note: Wyoming histori-an Margaret Laybourn wrote this

story years ago.) Mary O’Hara was called Wyoming’s favorite daughter be-cause her best-selling books “My Friend Flicka,” “Thunderhead,” and “The Greengrass of Wyo-ming” captured the imagination of an international readership. Thefirsttwobooksareamongthe best horse stories ever written. The Remount Ranch between Cheyenne and Laramie was home to O’Hara from 1930 to 1945, and she immortalized the area through her lyrical depictions of the land and the people of Wyoming. Daughter of a New York cler-gyman and wife of a rancher, she put many of her personal values and sensitivities into the books. Divorced form her first hus-band and with two small children to support, she left the East Coast for Hollywood where she became a successful screen writer. There she married Helge SturVasa, a dashing horseman who claimed blood ties to the Swedish Royal family. SturVasa had come from Eu-rope to Hollywood by way of Wyoming with hopes for a movie career. Failing that, he decided to raise horses in Wyoming. He swept Mary off her feet and brought her to the Remount Ranch, which he had acquired through a World War I friendship with a Wyoming resident. Trad-ing on his cavalry connections, he hoped to supply horses for the Army at Fort Francis E. Warren near Cheyenne. Horse raising, however, was notprofitableinthedepthsoftheDepression, and Mary O’Hara turned her talents to raising sheep, running a boy’s camp, and oper-ating a dairy delivering milk in Cheyenne to keep the wolf from the door.

She began to write again to

supplement the family financesand submitted a 5,000-word short story titled “My Friend Flicka” to J.B. Lippencott. Enchanted by her exquisite prose, an alert edi-tor urged her to expand it into a novel, which she did during the winter of 1940-41. “My Friend Flicka” hit the na-tion with the force of a Wyoming wind and was swept onto the best-seller lists. It was translated into 64 languages, made into a movie, and later a hit TV series. The simple story of a boy’s love for his horse struck a chord in the hearts of readers, and Wy-oming became known to tens of thousands of people through Mary O’Hara’s passionate prose. She wrote a sequel called “Thun-derhead,” another magnificenthorse story. In 1945 her failing marriage forced her to leave Wyoming, of which she said, “There is no other place in the world with such emp-tiness, such solitude, such vast-

ness and such beauty.” Settled again in California, she wrote the last book of the trilogy, “The Greengrass of Wyoming.” In it she described the yearly transformation of the Wyoming prairie from winter to spring this way: “They do not call it green grass in two words in Wyoming. It is just one thing. It is the spring. It is the greengrass, no not even that. It is the greenrass—hardly a word—a shout of joy and jubi-lance and triumph. “We’ve got greenrass! Have you? Yes, we have it, too! “And it is mentioned in every conversation and published in every paper. Wyoming heaves a sigh; Wyoming smiles.”________________COVER PICTURE: A fox curled in snow taken by Lander, Wyoming, photographer Scott Copeland. See his photos at www.threedoglight.com. n

Published Locally Since 1980Vol. 36, No. 3

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MY FRIEND Flicka

Mary O'Hara at her writing desk in Wyoming. Photo courtesy of the University of Wyoming Heritage Center.


Estate PlanningEstate PlanningBy Ron Rutz, Legal Correspondent

Q: What is the one major estate planning error you see people consis- tently make?A: People add one or more own-ers as joint tenants to appreci-ated property such as real estate, stock,goldandsilvercertificates. Such a move used to be done to avoid probate, make estate settlement easier, give survivors continued access to funds, mini-mize taxes, etc. Now a major advantage of inheriting appreciated property through an estate is that the re-ceiver gets a “stepped up” basis to the value at the date of death as the new threshold to deter-mine capital gain tax exposure, thus avoiding paying the capital gain taxes which the deceased would have had to pay if the as-sets were sold before death. But if names are added as joint tenancy, the recipient takes over the giver’s basis. Thus at the giver’s death, only the basis

of the property that the deceased giver retained would be stepped up. The recipient would be stuck with the same capital gains expo-sure that the giver faced prior to gifting. So the receiver has inherited tax liability when the asset is sold. With the federal tax exemp-tion at about $5.4 million, there normally is no estate (in-heritance) tax exposure. With the use of unsupervised administra-tion, the estate settlement cost is low (certainly lower than the capital gains tax), and quick ac-cess is available to fund estate financialrequirements. Future columns will examine other issues with joint tenancy.________________Email Attorney Ron Rutz at [email protected] or call 970.223.8388 in Fort Collins.n

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New Health Insurance Health insurers in several big cities will offer free doctor visits with-out copays, coinsurance, or deductibles for some patients with Obamacare coverage, said a report from Kaiser Health News. In Atlanta, Chicago, Dallas, Miami and more than a dozen other cities, individuals seeking coverage from the insurance exchanges can choose the new health plans, which are prompted by reports that high copays and deductibles have discouraged many Americans from using their insurance under the Affordable Care Act. Health policy experts say the new approach sets the insurers apart in crowded insurance markets and may attract younger, healthier people. Con-sumer advocates applaud the trend, which they say shows why people need to look beyond the monthly premium cost when shopping for a plan. n

Annuities Investment U.S. Senator Elizabeth Warren released thefindingsof an inves-tigation into how perks and kick-backs in the annuities industry encourage agents to sell products that are not in the best interest of investors. “Companies should not be al-lowed to offer expensive vaca-tions, prizes and other kickbacks to agents in exchange for selling costly, second-rate investment products to unsuspecting custom-

ers,” Warren said. Because of loopholes in the law, it is legal for advisers to steer customers into complex financialproducts that will earn the high-est rewards for the advisers even if they are bad options for their cus-tomers. “This investigation highlights the need for a strong conflict-of-interest rule to protect the savings of families trying to save for re-tirement,” Warren said. n


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By Clara Werner Oster My Great Grandpa and Grand-ma Werner settled on the Volga River area in central Russia... My father, Solomon Werner Sr., was born in 1868 in Susannental, Sa-mara, Russia... When Solomon was four years old, his grandma told him to smoke a pipe to satisfy his hunger. There just wasn’t enough food to go around... Solomon and Theresa Roth

were married by the minister of the colony [in Russia] in 1892. For their honeymoon they went to workinthewheatfield... SolomonandTheresahadfivedaughters and four sons born to them in Russia...Living condi-tions were getting worse, along with the hardship of findingenough to eat... They left Russia in May...and arrived in Baltimore, Maryland in 1905...Most of their money was gone by the time they got to Ft. Collins. Then Solomon got a job with the Great Western Sugar Com-pany thinning beets on the Moore farm...They lived all that summer in a beet shack on the Moore’s farm... Solomon heard of some land

for homesteading in the Briggs-dale-Grover area [northeast of Greeley]... So in August of 1908, Solomon and George Lesser set out for the Briggsdale-Grover area to make claims... The Solomon and Theresa Werner homestead was 10 miles north and 4 miles west of Briggs-dale... On July 12, 1942, Solomon and Theresa celebrated their 50th

wedding anniversary with eight of their living children and part of their 33 grandchildren present... Solomon died on July 13, 1960...Theresa Werner died Octo-ber 5, 1963.________________Some of the German Russians who came to northern Colorado became very successful farmers whose descendants still live in the area. n

A pioneer family (not the Werners). Photo Library of Congress.

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World War II Memories

(Editor’s Note: Windsor resi-dent Brad Hoopes published

interviews with northern Colo-rado World War II veterans in his recent book “Reflections of Our Gentle Warriors.” Here is an excerpt about a Fort Collins

resident.) Lee Anderson was assigned to the 45th Infantry in Salerno. They crossed over to Italy and be-gan the move up the spine of the country. On December 5, Lee incurred thefirstofhistwobattlewounds.During a heavy artillery barrage, he was hit with shrapnel in the left arm and was evacuated to a hospi-tal in Naples. While lying in his hospital bed and going through his personal possessions, he came across his prayer book, which had been in his chest pocket. Lodged in it was a chunk of shrapnel. The book had saved his life. After recovering, he rejoined his unit prior to their amphibious

landing at Anzio. The Germans were entrenched in the surround-ing hills. As Lee’s unit moved forward, they got too far ahead of their comrades and were surrounded. At one point they were so close to the enemy that German tanks rolled over their foxholes, crushing the stockofhisfoxholemate’srifle. Lee was wounded for the sec-ond time, getting hit in the back of the head with shrapnel. He found himself back in the hospital. He recovered just in time to re-join his unit prior to the invasion of southern France. Once again, Lee’s unit got too far ahead and was captured by the Germans. However, the Germans knew at this point that their situ-ation was hopeless. Lee and his fellow captives managed to talk the Germans into surrendering to them. Returning to the Allied lines, they came under attack by mem-bers of the Free French Under-

ground, who mistook them for Germans. After they convinced their captors they were Ameri-cans, they were met with hugs and kisses. Lee was transferred to Supreme Headquarters of the American Expeditionary Forces (SHAEF). In his position there, he interacted with the likes of Generals Eisen-

hower, Bradley, and Patton. Lee left Europe with a Bronze Star and two Purple Hearts. He finishedhiscollegedegree,wenton to get advanced degrees, and had a distinguished career in higher education. For the last 28 years of his career he served as a dean of libraries at Colorado State University. n

A WWII sailor (not Lee Anderson). The Voice Archives.

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Insurance policies that pay a lump sum if workers get cancer or another serious illness are being of-fered in growing numbers by em-ployers, says Kaiser Health News. “Critical illness plans” have been around for decades, but they have become more common as employ-ers have shifted more health care

costs to workers. Nearly half of employers with 500 or more work-ers offered the plans last year as an addition to the regular insurance employees could buy. The average annual premium for a critical illness plan was $283 for $25,000 worth of coverage in 2013. In addition to deductibles and cost-sharing for pricey drugs

and treatment, the payments can be used to help cover expenses as-sociated with serious illness that regular employer health plans don’t cover, including travel costs to see a specialist, time off from work, and extra charges for out-of-network doctors or hospitals. But benefits from the critical ill-ness policies can be limited, so it’s important to understand the coverage. Pre-Existing Conditions. If you’ve had cancer or a heart attack in the past, check to see whether the plan will cover those condi-tions in your case or impose a waiting period before doing so. Excluded Benefits. Maybe notevery cancer and heart attack is covered. For example, non-inva-sive prostate or breast cancers may be excluded from some policies. One-Time vs. Repeat Payouts. If you get cancer a second time, will the plan pay out again, in full

or in part? Does it matter if the sec-ond incidence is the same or a dif-ferent type of cancer? Unrestrictedvs.SpecifiedBen-efits.Cancerpolicies,forinstance,may pay only set amounts for hos-pitalization, chemotherapy or ra-diation treatments. Age-Related Benefit Reduc-tions. Some plans reduce how much they pay out after policy-holders turn 65. Waiting Period. Plans typically won’t paybenefits until 30 to 90days after a policy becomes effec-tive. Some researchers say the in-creasing interest in critical illness policies does not compensate for less generous health insurance pol-icies. “Why don’t employers just offer a better [insurance] policy in the first place?” said Karen Pol-litz, a research fellow at the Kaiser Family Foundation. n

Studies Omit Women Women have been left out of too much medical research in the past and still are, say experts like Dr. Paula Johnson at Women’s Hospital in Boston. Lung cancer studies, for in-stance, often do not consider gen-der factors although that cancer behaves differently in women than in men. And lung cancer kills more women than breast, ovarian and uterine cancers combined.

Now 20 years after Congress ordered the National Institutes of Health (NIH) to include women in clinical trials to test medical treat-ments, more women are included. But the NIH still can’t tell whether researchers are also ex-amining outcomes by sex to see whether men and women are af-fected differently by what’s being tested, according to the Govern-mentAccountabilityOffice.n

Menopause Issue Manywomensufferinghotflashesandothersymptomsofmenopausedo not get treatments that would help them, even though safe treatments are available, said a report in the journal Menopause. Hormone replacement therapy (HRT) that combines estrogen plus progestin is effective and generally safe, but early studies saying HRT can increase the risk of breast cancer and other problems have frightened women—and their doctors—said researcher Dr. Susan R. Davis. “Overall there is the uncertainty of women and of doctors as to what the options are, what is and is not safe, and of the safe options what and how to prescribe them,” Davis said. She said estrogen preparations that are absorbed into the skin are safer than pills. n


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CELEBRATING 50 YearsSERVING NORTHERN COLORADO

1966 - 2016

Early Days at

Colorado State University

(Editor’s Note: This excerpt is from the book “Visionary Lead-ership: The Memoirs of William E. Morgan.” He was president

of Colorado A&M College (now CSU) from 1949-1969. Connie

Pfeiffenberger compiled the book from interviews with Morgan

years ago.)

By William E. Morgan The senior class at Colorado A&M College in October, 1949, consisted almost entirely of GI’s; and when they left the following June their non-resident tuition, the principal source of institution-al funds, left with them. About the only other revenue came from the continuing land-grant appropriation, which was only$125,000.SoItookadeficitbudget to the State Board of Agri-culture. The body I faced was stacked with Scots. T. C. McPherson, one of our own graduates, put his hand on his forehead while I told them theyhadtoapproveadeficit.Theboard decided to sleep on it. That night I was haunted by yet another issue that was even more emotional. As I tossed and turned, I kept thinking about the wretched condition of some of our build-ings that, to my mind, were ex-tremelyhazardousfiretraps. Old Main, for example, was a labyrinth of hallways, and under each staircase was a broom closet with oily rags. The Civil Engi-neering and Irrigation Building

was a beautiful stone and brick shell, again with an all-wood in-terior, with a central stairway into an attic where mechanical draw-ing students often worked until well after midnight. If you were onthetopfloor,theonlywayoutwas to go back down the stairwell, whichwouldcreateaperfectfireflue. These two buildings especially worried me. In fact, I had already talked to Harry Hepting in our maintenance department about whatitwouldcosttoaddfirees-capes. He was a do-it-yourself type and gave me an estimate of $4,500 if his department did the work. About 2 am in the morning, I had a horrible nightmare. Old Mainwasonfire,andtherewereabout 50 students trapped up-stairs! I awoke tense, in a cold sweat, and didn’t sleep another wink the rest of the night. As we assembled the next day, before we could pick up the subject of the budget, I asked McPherson for time to share my night’s experience. I described the nightmare as vividly as it had oc-curred to me. When I got through, I proposed increasing the already-deficitbudget by $4,500 so we could get fire escapes on those two build-ings. There wasn’t much more than five minutes of discussion,and the board approved the whole budget. n

CSU's Old Main building in 1878. Ft. Collins Library.


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COLORADO CROSSWORDS are created exclusively for The Voice by Tony Donovan, who lives in Loveland.

COLORADO CROSSWORDS by Tony Donovan

ACROSS1. “That was no strike. That pitch ______ ______.” (Hitter’s complaint)6. “Hey, buddy!”10. Kingston Trio hit of 195913. Do this at your own risk.14. “That stunt was______ ______ idea.”15. Saguaro growth16. Colorado’s state fossil18. Luau fare19. ______ Maria20. Fox terrier of 1930 films21. “______ Well that Ends Well” (Shakespeare)22. Fourteener west of Ouray27. Candidate vs. Candidate29. Flying pest30. Worship31. Hospital area with incubators35. Agncy. making raids (briefly)36. Emanations around land fills38. ______ Dhabi (Capital of the United Arab Emirates)39. Searcher for carpenters?42. Dynamite inventor44. Nautical order, “______ the sails!”45. John Wesley ______ was the first to navigate the Grand Canyon46. It meets the Colorado River to form the “Grand Junction”51. Israel’s continent52. Dog’s winter protection53. Gov. agncy. which was accused recently of spying on Israel56. Order’s partner57. Kit Carson was commander here in 1866-6761. Type of maniac62. It’s good to have ______ ______ in the hole. (Backup plan)63. Took prescriptions or medicines64. Hollywood backdrop65. Investor’s nest egg66. Mascara area

DOWN 1. “______ of the Pecos,” 1945 film starring Robert Mitchum based on a Zane Grey story2. One side of a #27 across3. ______ Springs4. Some dark meat at the dining table5. Gold, south of the border6. Shows displeasure, facially7. Someone from another town or area8. Dallas campus, briefly9. Cobb and Hardin10. Word preceding tree or syrup11. Mythical figure under a bridge12. Askew14. Cartoonist who coined the political party icons: the donkey and elephant17. Has one’s marbles21. Brand found near a razor23. Boat propeller?24. Ouray, for one25. Mills who helped found RMNP26. Stadium noisemaker27. Baby’s first attempt, perhaps28. Early garden spot31. Conjunction found in the postman’s creed32. Grand County town named for a slain Indian33. First murder victim34. Time devoid of excitement36. Washington County site between Akron and Yuma37. Left leaning fourteener?: Mount ______40. Sicily ash producer: Mt. ______41. Cardinals on a scoreboard42. Calendar page, abbr.43. Be in debt45. Bread type46. Vane activators47. A dictionary can help one understand a word’s ______48. Front range town named for Chief Left Hand’s Arapaho name49. Gunfighter’s tally50. ______ Against the Machine (Rap-metal band)54. Dirk or Bodkin55. Finds the sum57. “The ______ Side,” iconic cartoons of Gary Larson58. Yoko ______ (Lennon’s widow)59. Abbreviation on a vitamin bottle60. ______ Alamos near Santa Fe


Decongestants and Prostate Men with enlarged prostates should avoid decongestants or antihistamines, said researchers at the University of Chicago and elsewhere. They can enlarge the prostate so much that urination is blocked.Eating Fish During Pregnancy It appears to improve a child’s brain function and reduce the risk of autism, said a report in the American Journal of Epide-miology. But researchers suggest avoiding fish with highmercurycontent like shark, swordfish,mackerel,andcatfish.Rheumatoid Arthritis If you are at risk of getting it because of family history, you should consume plenty of ome-ga-3 fatty acids, said a report in the journal Rheumatology. Tanning Beds They increase the risk of dead-

ly melanoma cancer by nearly 60%, said the American Academy of Dermatology. They are used mostly by women and result in over 3,000 emergency room visits a year in the U.S.Niacin It does not lower heart attack risk when combined with a cho-lesterol-lowering drug. In fact it might cause bleeding or infec-tions, said researches at an annual meeting of the American College of Cardiology.Flu Vaccine Booster The FDA approved it to help protect people who are vulner-able to the virus. It strengthens the body’s immune response, said federalofficials.Benefit of Coffee It appears to improve your en-durance during exercise, said a report in the International Journal of Sport Nutrition and Exercise

Metabolism by researchers at the University of Georgia. Pregnancy Blood Clots The women most likely to have blood clots during pregnancy are those who are overweight, have diabetes, or are over age 35, said a report in the journal Blood.Newborn Babies Skin-to-skin contact (lying on the chest) with their mother im-mediately after birth decreases the death rate of low-birthweight babies. It also improves breast feedingandoffersotherbenefits,said Boston Children’s Hospital researchers in a Pediatrics journal report.Sleep Apnea People who have this common problem are more likely to fall asleep while driving a vehicle, said researchers at University Hospital in Leeds, England.

Vision Loss Treatment Some diabetics with vision loss are able to regain enough vi-sion to drive a car by using a drug called Lucentis, said research-ers at Johns Hopkins University. Treatment requires about one year of a monthly injection in the eye. Lucentis has been used for years to successfully treat another eye disease, macular degeneration. It is expensive, typically $1,300 per injection; but insurance compa-nies usually cover at least some of the costs.n

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Pioneer Women of Loveland

(Editor’s Note: Loveland resi-dent Fran Robison wrote about Loveland’s pioneer women in

her book “Addressing History.” This excerpt is from her story of

Margaret Castetter Osborn.) Margaret Osborn was born in East Liberty, Ohio, in 1832. She met and married William Osborn, and in 1861 they moved to the

Big Thompson Valley. Margaret wasthefirstCaucasianwomantosettle in the area. One story tells of Margaret when a friend of the family from back East, Schuyler Colfax, who later became Secretary of the In-terior, was arriving at the stage station. William and Margaret loaded the family on a wagon drawn by oxen. Around a half mile from the station, Margaret’s pride got the best of her. She did not want her old neighbor to see her riding be-hind an ox team. So William turned the oxen loose, and the family walked the rest of the way to the station. They met Mr. Colfax, who was accompanied by General Grant and General Sherman, who were making a tour of the West. Margaret and William had four children. The Osborns became very successful with their farming operation. In the early 1800s, they built a brick home in Loveland on 5th Street where they lived out

their lives. The house was donated by the family in the 1950s to the City of Loveland for a museum. It was torn down, and the present Love-land Museum/Gallery is on the site.______________Fran Robison’s book is available at the Loveland Museum/Gallery or email [email protected]. n

Shortness of Breath The FDA recently approved two drugs, Esbriet and Ofev, for the treatment of IPF (idiopathic pulmonary fibrosis), a lung dis-ease that causes dangerous short-ness of breath that is often misdi-agnosed in mature people. IPF reduces the lungs ability to extract oxygen from the air and can result in death. But the two drugs can slow the loss of lung function and maybe reduce deaths,

said researchers at the University of California and elsewhere. Researchers aren’t sure how many people have IPF. It has been mistaken for asthma, chronic ob-structive pulmonary disease, and other things. It’s mainly linked to cigarette smoke and dust or fumes associated with employment. The most common symptoms are weakness and shortness of breath when exercising. n

Which Drugs Are Covered? Patients getting chemotherapy or other complex medicines may have difficultywhenshoppingforhealthinsurancebecausetheirdrugsoftendon’t appear to be covered on insurance companies’ websites. Many treatments—particularly intravenous treatments like those used in cancer, hemophilia or multiple sclerosis—are covered under aseparatepartofan insuranceplan,not thepharmacybenefit.Anddetailsofthatdrugcoveragecanbehardorimpossibletofindonline,said Kaiser Health News. Howcanconsumersfindoutiftheirmedicinesarecovered? Ask your specialist. Oncologists, for instance, generally know which cancer drugs are covered by local insurers and which are more problematic.Billingofficemanagersarealsofamiliarwithcoverage,soaskandbespecificabouttheinsurerandtheplanunderconsider-ation. n

Margaret Osborn. Loveland Museum/Gallery.


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Prostate IssuesBy Bill Lambdin

Numerous researchers and drugcompaniesaretryingtofinda test that will tell men whether they need treatment for a prostate cancer. The current test most doctors use, called P.S.A. (prostate spe-cific antigen) has been criticizedas not being accurate enough. It often suggests a man might have prostate cancer, but it does not say if the cancer is life-threatening or one that does not need treatment. One-third to one-half of pros-tate cancers are not life-threaten-ing, say researchers at Vanderbilt University and elsewhere. Treat-ing those has caused unnecessary sexual dysfunction and urinary incontinence for many men. One new test called STHLM3 appears to be promising, accord-ing to researchers in a report in the medical journal Lancet Oncology.

Elsewhere researchers at the University of California say if you do have prostate surgery, get it done at a hospital that does a lot of them; and use a doctor who does over 200 a year. Most surgeons in the United States do fewer than 10 prostate surgeries a year, and that’s not enough to lower the risk that the cancer will not recur or that it will not spread beyond the prostate. Nearly half of prostate surgeries in the U.S. are done by less expe-rienced surgeons. Even if you have extra co-pays on insurance, it’s better to use an experienced specialist. “For a pa-tient who has decided on a pros-tatectomy, both the (hospital) and the surgeon are important,” said Dr. Daniel Barocas. The studies were reported in the journal Prostate Cancer and Prostatic Diseases. n

Another Trend?By Shefali Luthra

A growing number of pri-mary care doctors are bring-ing a service that generally has been considered health care for millionaires to middle-income Americans, said a report by Kai-ser Health News. It’s called direct primary care, which lets doctors bypass in-surance companies to provide healthcarebychargingaflatfeeon a monthly or yearly basis. Pa-tients pay about $100 a month or less directly to the physician for primary care, basic medication, lab tests, and follow-up visits in person, by email, and phone. The idea is that doctors no longer have to wade through heaps of insurance paperwork. They spend less on overhead and can give care that’s more person-al and convenient. It doesn’t cover specialists or emergencies; so people need a high-deductible health plan as

well. Still, the combined cost of the monthly fee and a high-de-ductible plan is often cheaper than traditional insurance. Some direct primary care doc-tors say they see patients across income levels. Dr. Stanford Owen of Gulfport, Mississippi, treats “waitresses and shrimpers as well as doctors and lawyers.” He charg-es $225 for the initial visit, $125 for a follow-up if needed, and then about $50 per month after. Meanwhile, direct primary care is finding traction withMedicare Advantage, the alter-native to traditional Medicare. Iora Health, a direct primary care system that contracts with unions and employers, launched clinics in Washington and Arizo-na catering to Medicare Advan-tage patients. Iora is setting up similar clinics in Colorado and Massachusetts. The direct care model faces chal-lenges, but it might be a trend. n

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By Joann Ginal This year Colorado has many opportunities to embrace health through innovation and insight. Governor Hickenlooper said his goal is to make Colorado the healthiest state in the nation. Health includes not just health care but prevention, wellness, and social factors. This involves in-tegrated health care with both the individual and the cooperation of support care services such as physi-cal, behavioral and oral health. Public and private insurance pro-grams are working hard at payment reform, tying compensation to bet-ter outcomes for patients and more efficientuseofresourcestocreatevalue for consumers and taxpayers. Coloradoismakingsignificantimprovements for the health of all citizens. A few examples of our suc-cesses are adding nearly a half a million people to insurance cov-

erage. No other state outside the northeastern U.S. has embraced more elements of the Affordable Care Act. Colorado has a massive project underway to transform primary care by integrating behavioral health and physical health, recognizing that mental health is essential to a person’s overall well being. Young, low-income women have had much lower unintended pregnancy rates, thanks in part to an increased effort to provide long acting reversible contraception at no cost. Health cannot be determined by a medical setting alone. It in-volves affordable housing, a reli-able supply of nutritious food, a job that pays a living wage, and safe, easily accessible places to exercise and play. Colorado has set itself up to capitalize on these innovations andfulfillthevisionofbecomingthe healthiest state in America.n

L E G I S L AT I ON

By Deborah Budde - Greeley Social Security Office Prepare for a secure, comfort-able retirement by visiting www.socialsecurity.gov/myaccount. Once there, open a “secure my Social Security account” and as-sessyourfinancialneeds. You’ll get immediate access to your personal Social Security Statement, your earnings record, and an estimate of your retirement benefitsatage62,atyourfullre-tirement age, and at age 70. You can also ensure your earnings are correct,sinceyourfuturebenefitsare based on your earnings record. Choosing when to retire is an important decision. At our Retire-ment Estimator, www.socialse-curity.gov/estimator, you can get anestimateofyourfuturebenefitamount. You can use “what if” scenariostoseehowyourbenefitamounts will change with differ-ent retirement dates and future earnings estimates. Also, visit www.myra.gov to check out myRA, a new retire-

ment savings op-tion from the De-partment of the Treasury for the millions of Americans who face barriers to saving for retirement. Once you are ready to retire, apply at www.socialsecurity.gov/retire. Our online retirement ap-plication is the easiest and fastest way to apply for Social Security benefits.Itcantakeaslittleas15minutes to complete. There are no forms to sign, and usually no doc-umentation is required. Addition-ally, you can apply online from the convenience of your home. Learn more about Social Secu-rityretirementbenefitsbyreadingour publication at www.socialse-curity.gov/pubs.With all of these resources in place, you can prepare to reap the joys of afinanciallysecureretirement.________________Deborah Budde is the Assistant Manager of the Greeley Social Security office. n

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Idea by Don-Paul Benjamin, a retired Colorado educator who presents cartoon seminars for children and adults.

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LettersLetters(Editor’s Note: These two letters to the Senior Voice are about proposed state legislation that would let

Colorado develop its own single-payer healthcare system called ColoradoCare. Instead of paying national insurance companies, residents would pay the state for insurance through payroll taxes. Medicare partici-

pants would continue with that coverage, as mentioned in a recent Senior Voice article.)Letter 1 Against the Change The article mentions the 3.33% and 6.67% payroll taxes for all Colo-rado workers. The article fails to mention the 10% tax that is on all non-payroll income. Reading the ar-ticle a senior may say, “I don’t work so it does not cost me anything.” The non-payroll tax will cost all seniors. The only income that escapes this tax are wages, tips, alimony, and unemployment compensation. Inter-est on CDs, bond interest, stock divi-dends, rent, and social security are all included as non-payroll income which will be subject to tax. Take the case of a senior with $1,000 monthly Social Security, $400 interest and dividend income, and $600 rent from a basement apart-ment. This senior would now have to budget $200 per month for the new

health insurance premium/tax. The new insurance will not pay any benefit covered by MedicarePart A, B, or D nor any Medicare Advantage Plan. Seniors will have to pay for Medicare and the new health plan. Please recommend a reporter to follow-up on this issue. At least read thefinalmarkupat theSecretaryofState’s office. https://www.sos.state.co.us/pubs/elections/Initiatives/title-Board/filings/2015-2016/20Final.pdfSincerely, Todd A. Block

Letter 2 Favoring the Change I am responding on behalf of state Representative Ginal and Senator Aguilar regarding ColoradoCare. For seniors, up to $33,000 for an individual and $60,000 for a couple

of retirement income would not be subject to the premium tax. ColoradoCare would act as the supplemental plan for people who have traditional Medicare—a savings of the $100 to $200 per month for that premium. Our estimate is that the vast majority, likely 85%, of seniors would pay less with ColoradoCare. The other issue is that Colorado-Care would apply to be a Medicare Advantage plan. Among other ben-efits of that would be that seniorschoosing the ColoradoCare Advan-tage plan would be free to see virtu-ally any providers in the state, and not be limited to Medicare providers. I hope this is helpful. Our website is ColoradoCareYES.co. Bill SempleManagement Team ColoradoCareYES Campaign n

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The Early West in Wyoming

By P.J. Hunt The Jim Baker cabin at Savery, Wyoming, east of Baggs, was built in 1873 by one of the West’s early mountain men, Jim Baker. He re-called a time when Indians attacked him and other men near Savery:

“The Indians made about 40 charges at us, coming up to within 10 or 15 paces of us every time.

“Theirobjectwastodrawourfire,but old Frappe kept shouting, ‘Don’t shoot ‘till you’re sure—one at a time...’

“Old Frappe was killed, and he was the ugliest looking dead man I ever saw... He never fell, but sat

braced up against a stump...

“When the fight was over, therewere about 100 dead Indians. There were three or four of our party killed.”

Baker, like others of his time, sometimes exaggerated when telling stories. But we do know that he lived at Savery with two Indian wives and several children, and the battle he de-scribed did occur. He died in 1898; his grave is near Savery.

The town of Baggs was estab-lished in 1876 and named for an early ranch couple, George and Maggie Baggs. Because of its isolation, out-laws like Butch Cassidy often gath-ered at Baggs, drinking and throw-ing money around to make friends

with the local people, hoping they wouldn’t talk to the law.

Wyoming has a more colorful his-tory than many states because most of the pioneer routes crossed the state—the Oregon Trail, Overland Trail, Mormon Trail, and transconti-nental railroad.

In Wyoming, pioneers faced Indian attacks and things they didn’t en-counter elsewhere. But they also saw themagnificentvarietyoftheWestinWyoming—shining mountains, vast rolling prairies, and space enough to make anyone feel free. n

The Jim Baker cabin. Wyoming Historical Society.

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A wife accompanied her hus-bandtohisdoctor’soffice. After the checkup, the doctor took the wife aside and said, “I have bad news. You husband will die unless you cook him three nu-tritious meals every day, sterilize all dishes, never let him get up-set, don’t ask him to do anything around the house, and keep him calm by giving in to his every wish.” On the way home, the husband asked her what the doctor said. She replied, “He said you’re gonna’ die.”

*

A little boy asked his grandmoth-er how old she was. She said, “That’s personal, and I won’t say.” He asked how much she weighed, and she gave the same answer.

Later the boy told a friend, who said, “Just look at her driver’s li-cense. That will tell you.” The next day, the boy sneaked a peak at her license in her purse. At dinner, he told her, “I know all about you, Grandma. You’re 65, you weigh 130 pounds, and you got an F in sex.”

*

A man was waiting in a dentist’s office and read the dentist’s cer-tificateonthewall.Hethoughtherecognized the name as one of his high school classmates. When he got in the chair, he thought, “No, this bald old den-tist cannot be my classmate.” But he asked what school the dentist went to, and sure enough it was the same school. “You were in my class,” he told the dentist. The dentist looked at him and said, “What did you teach?”

Lines from clever people: “Housework can’t kill you, but why take a chance?” Phyllis Diller “Never lend your car to any-one to whom you’ve given birth.” Erma Bombeck “The trouble with jogging is that the ice falls out of your glass.” Martin Mull “When I was born, I was so surprised I couldn’t talk for a year and a half.” Gracie Allen “If God had meant us to be naked, He would have made our skin fit better.” Maureen Murphy “Give a man a fish and he has food for a day. Teach him how to fish and you can get rid of him for an entire weekend.” Zenna Schaf-fer “Money won’t buy friends, but you get a better class of enemies.” Spike Milligan

Some people should use glue stick instead of chapstick. n

Laughter: Best Medicine

The Boomers Have Arrived!People over age 50 are the fastest growing age group in America. �ey have $1.6 trillion of spending power and 80% of the individual wealth.

U.S. Census Bureau and U.S. Consumer Research Center

The Senior Voice is the local newspaper serving these residents. Published since 1980, it has years of

credibility with readers and dependability with advertisers.

For advertising call 970.229.9204. See www.theseniorvoice.net.


T here should be more to lifethan maintenance-free living.

The Evangelical Lutheran Good Samaritan Society provides housing and services to qualified individuals without regard to race, color, religion, gender, disability, familial status, national origin or other protected statuses according to applicable federal, state or local laws. Some services may be provided by a third party. All faiths or beliefs are welcome. © 2015 The Evangelical Lutheran Good Samaritan Society. All rights reserved. 14-G2103

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Bonell (Greeley) | Estes Park | Ft. Collins | Fox Run (Greeley) | Loveland | Simla | Water Valley (Windsor)

February 2016

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