Arson dogs are trained to work with a human handler and find evidence at fire scenes. The dogs are searching for accelerants such as gas, oil or fuel used to start fires. State Farm is the only company in North America that provides funding for the training of arson dog teams.

The State Farm Arson Dog Program is available to fire departments and law enforcement agencies across the United States. Since its beginning in 1993, the program has placed more than 425 dogs in 46 states, three Canadian provinces and the District of Columbia.

Arson is one of the most difficult crimes to solve, as the evidence literally burns up. Insurance fraud causes billions of dollars in damage each year. In fact, many police and fire departments are seeing an increase in suspicious fires because of business closures, financial challenges and social disruption.

"Fire investigators should have every tool possible to combat this deadly crime," said Heather Paul, State Farm Arson Dog Program Coordinator. “These dogs help fire investigators to do their job. Arson dog teams can quickly locate evidence of accelerants such as gasoline or fuel used to start a fire.”

Meeting and training with a new best friend

All of the dogs are Labrador retrievers and come from animal rescues or disability assistance programs. The dogs are trained months before they meet their human handler and must work for every meal. When the dog smells fuel, they sit down and point with their nose. Their “reward” is a handful of dog food and praise. They can locate accelerants quickly, even if it is buried under debris.

Canine handlers are police detectives or fire investigators. The training class is four weeks long and the handlers know it will be intense. Over the four weeks, the handler and dog will repeat training drills multiple times a day. Food reward dogs only eat from the hand of their handler so these training drills will be repeated multiple times a day for the life until the dog retires.

Following a month of classes and drills, the arson dog teams are tested and certified by the Maine State Police. Once certified, the teams travel back to their communities to begin investigating fires. The dogs live in the home of their handler and they retire in the home of their handler. For the men and women training in the program, working with a dog is a career highlight.

Congratulations to the newly certified teams in Class No. 52!

1. Fire Chief Billy Dillon & K-9 Piper - Howe Springs Fire Rescue (Florence, SC)
2. Special Agent Michael Kuban & K-9 Phantom - Office of the Illinois State Fire Marshal (Springfield, IL)
3. Special Agent Kenny Arnold & K-9 Gunny - Office of the Illinois State Fire Marshal (Springfield, IL)
4. Special Agent Jeff Pride and K-9 PJ - Office of the Illinois State Fire Marshal (Springfield, IL)
5. Captain Stephanie Schofield & K-9 Jennifer - Rawlins Fire Department (Rawlins, WY)
6. Fire Inspector John Neeb & K-9 Mika - West Fargo Fire Department (West Fargo, ND)
7. Fire Investigator Thomas Cantola & K-9 Maya - Girard Fire Department (Girard, OH)
8. Fire Investigator Brian Acors & K-9 Erny - Richmond Fire Department (Richmond, VA)
9. Arson Investigator Darren Jurado & K-9 Brownie - Compton Fire Department (Compton, CA)
10. Fire Investigator Lee Maness & K-9 Vinny - Cobb County Fire and EMS (Marietta, GA)
11. Detective Michael Douglas K-9 Ruthie - State of Florida, Division of Investigative & Forensic Services (Tampa, FL)
12. Detective Cody McIntyre & K-9 Rico - State of Florida, Division of Investigative & Forensic Services (Tallahassee, FL)
13. Firefighter Brent Autry & K-9 Tony - Milan Fire Department (Milan, TN)
14. Assistant Fire Chief Jim Kanavy & K-9 Mikey - Scott County Fire Department (Georgetown, KY)

Arson Dog Calendar

Each of this year's class of K-9 crime-fighters is featured on one of the calendar pages below. Click to download.

In the News:

• West Fargo Pioneer: Fire corner: Welcoming Mika to the team (09/30/20)

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said State Farm Senior Vice President Rob Stewart. “As a result, we’re looking for ways to continue supporting our Ohio customers while we monitor and adjust to trends.”

In addition to this auto rate reduction, the discount for participating in Drive Safe & Save™ has increased to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Customer rate reductions will vary based on their individual renewals. Customers are encouraged to visit with their State Farm agent about individual policies, coverage, and any opportunities for discounts, including Drive Safe & Save.

Food pantries have long known the impact peanut butter can have. It's a prized addition to their shelves.

For the past three years, State Farm employees have stepped up to help meet that need. In February, more than 33,500 pounds of peanut butter were donated at our hubs and operations centers. The total surpassed last year’s total by more than 10,000 pounds.

Local organizations in several locations across the country received donations in early March.

Not too long after, COVID-19 shuttered our offices and much of the country. Now, with resources scarce and more people than ever relying food banks, the peanut butter will make an even bigger impact.

Ashley Edling is the Food Panty volunteer and programs manager for the Network of Community Ministries in Dallas. It’s one of 13 agencies that received peanut butter from this year’s drive.

“Shelf stable items like peanut butter provide a lasting effect. We can distribute it to families for weeks after the initial donation," Ashley said.

Some of the Atlanta Hub employees’ donation went to Georgia State University’s food pantry. Many in the university’s student population face unique challenges including food insecurity. There State Farm LIFT Scholars, who receive scholarship support from State Farm, helped stock the pantry’s shelves.

“Philanthropy can have an amplifying effect. The peanut butter donation allowed our LIFT Scholars to give back and support others facing difficult circumstances,” said Heath Wood, Senior Director Corporate and Foundation Relations, Georgia State University.

“It showed them the resources, education, and attitude necessary to succeed in the face of the challenges they’ll face in life.”

Peanut Butter Drive Highlights:

• Phoenix Hub employees collected 10,526 pounds of peanut butter. It was donated to Midwest Food Bank, United Food Bank and St. Mary’s Food Bank.
• Atlanta employees collected and donated 7,255 pounds of peanut butter. It went to the Midwest Food Bank of Georgia and the Georgia State University Panther Pantry.
• Employees from the Bloomington campus collected 6,313 pounds of peanut butter that went to the Midwest Food Bank of Bloomington-Normal.
• In Dallas, 8,467 pounds of peanut butter was donated to the Network of Community Ministries’ food pantry and the Richland College and the UT Dallas campus food pantries.
• State Farm Operations Centers in Austin, Charlottesville, Lincoln, and Newark collected over 1,021 pounds of peanut butter for their local food banks.

State Farm encourages customers to start the claim process as soon as they can and take steps to prevent further damage. Customers can start the claim process by contacting their agent, calling 1-800-SFCLAIM, using the State Farm Mobile App, or reporting a claim through www.statefarm.com/claims.

State Farm is responding to storm-impacted areas. We will be here to help customers with their claims as we begin the recovery process. State Farm agents, agent’s staff, and local employees are available to help customers with their claims. Our Claims Catastrophe Response Team is being deployed to the most heavily impacted areas to begin assisting our customers.

As a reminder, insurance will only pay to remove trees that are impacting your home, building or other structures or fences. Coverage limits may apply to debris removal coverage. Tree removal can be very expensive right now because resources are spread thin.

Tips to help with storm recovery and insurance considerations:

• When safe to do so, make temporary repairs to damaged property.

  • For example, to prevent further damage patch holes or cover windows to prevent rain from entering the house

  • Depending on your coverage, these repairs may be reimbursed. Save receipts if you purchase items such as tarps and plywood or other supplies to make repairs.

• Document damage by taking photos.

• If you have experienced a power outage, never use candles for emergency lighting. Instead, use flashlights.

  • Disconnect any appliances, equipment or electronics that were on when the power went out.

  • When power comes back on, it may come back with momentary “surges” or “spikes.” This can damage computers, air conditioners, refrigerators, etc. Leave one light on so you know when the power returns.

  • Your homeowner policy may cover spoiled food and other damages as a result of power outages, subject to the deductible. Check with your insurance company to see if your policy covers damages resulting from outages.

• Use generators safely. If you have a portable generator, only run it outdoors with adequate ventilation. Never use a generator indoors or in attached garages. The exhaust fumes contain carbon monoxide, which can be deadly if inhaled.

• Deal with a reputable contractor. While there are many good and reputable contractors in the state, be wary of those who might try to capitalize on the storm. State Farm claims specialists offer these tips to consider. Among the many preventative measures we recommend:

  • Shop around, get recommendations, inspect their work.

  • Get three written estimates and have a written detailed estimate.

  • Do not pay for work up front or sign a contract with any blank spaces. Always inspect the completed work before payment.

  • Beware of door-to-door unsolicited repairs.

  • If making roof repairs, consider upgraded roofing materials. These upgrades could result in insurance premium discounts.

  • State Farm customers also have access to a Contractor Locator. Available through their online StateFarm.com account, it provides a list of contractors known to State Farm. It is up to the consumer to pick the contractor. State Farm does not warranty or guarantee the work.

The effective date for new and renewal business is Feb. 18. The last rate change in Ohio was a decrease of 2.9 percent in May 2018. Combined, the two auto rate decreases will save Ohio customers $80 million.

“State Farm is very pleased to be able to offer another auto rate decrease in Ohio,” said State Farm Senior Vice President Rob Stewart. “Improving expenses and losses were important factors, among many, that supported our decision to make this rate change."

Overall changes in premiums for individual motorists will vary. Rates depend on a customer’s policy and chosen coverage. Customers can contact their local State Farm agent to discuss their individual situation. Additional opportunities for discounts may apply.

A rate decrease combined with discounts offers an exceptional long-term value to State Farm customers.

State Farm sponsored assist patrols in 18 states help keep the nation’s highest-trafficked roadways safe and clear. They reduce congestion, help stranded motorists, and provide traffic control and safety at incident scenes.

Safety patrols are operated by state departments of transportation and toll road authorities. They are known by a variety of names in 40 states. Their free services include changing flat tires, providing a jump-start or small amount of gasoline, and minor safety repairs.

“The safety patrols embody our ‘good neighbor’ philosophy and underscore our commitment to auto safety,” said Ed Gold, advertising director. “They help people recover from the unexpected, which is the heart of the State Farm mission.”

State Farm sponsorship helps increase coverage areas and raises awareness about the patrols. This helps the motoring public feel more secure when traveling the nation’s interstate system. Sponsored highway signs mark coverage areas. The bright red State Farm reflective markings also improve patrol vehicle visibility.

State Farm sponsors the safety patrols in Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Kansas, Louisiana, Maine, Maryland, Nevada, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania and Wisconsin.

State Farm has been committed to roadway safety since its founding in 1922. The company seeks to increase the safety of all drivers and passengers from infancy to the driver’s seat.

*Safety Service Patrol Priorities and Best Practices: USDOT Federal Highway Federal Highway Administration, April 2017

Even today Jason Walker is perfectly healthy, other than the fact he has been living with ALS for the past 14 years.

Amyotrophic Lateral Sclerosis (ALS), better known as Lou Gehrig’s disease, is a disease of the nervous system that weakens muscles and impacts an individual’s physical function.

After realizing they shared interests and a good sense of humor, they began to form a friendship. Jason’s form of ALS is slow progressing, so the couple decided to see where their relationship would take them.

“We hung out and would go on friendly dates,” explains Annie. “As time went by, it began to grow into something more.

“We were together for almost six years before we got engaged,” says Annie. “Jason proposed to me at a bed and breakfast in Tuscany, Italy. The following year we got married on a beach in the Bahamas.”

About four months later, Jason’s ability to breath normally became an issue, and the newly married couple had their first major decision to make.

“We could either bring in hospice and wait for the end of Jason’s life, or have him receive a tracheostomy and begin to use a ventilator,” she says. “The moment Jason chose to live with a ventilator, we knew he would go from being mostly independent, to needing 24-hour care.”

Eighteen months ago, Annie and Jason received a precious gift, their daughter, Eloise (Ellis).

“She’s our joy and our reason for living,” Annie says. “Jason’s situation has been her reality from the beginning, and she knows no difference. Our job as parents is to teach her to be a kind person, and through our special circumstances she has already learned what true love and compassion are.”

The Walkers are grateful for every second they have together as a family. “We aren’t able to get out and do some things other families do,” she adds, “but because of our situation, we spend most of our time together.

“I watch Ellis and Jason interact. She has learned how to climb up in his chair with him. When they share kisses and cuddles, Jason will close his eyes to soak every bit of it in. A great day for us is filled with those every day moments.”

Since his diagnosis, Jason has been working with the ALS Association through fundraisers and support groups.

“We heard of a talent agency that was looking for people with ALS,” Annie says. “Jason was interested but didn’t know what was going to happen other than they were filming public service announcements (PSA) for ALS.”

After being chosen to participate, the film crew came to the Walker’s house to capture them in their everyday setting.

“It took about 12 hours to complete the filming,” says Annie, “and they made sure to accommodate Jason’s needs during that time. Ellis was a bit distracted by everything going on but she did very well. The greatest part about doing this PSA is now we have it to share with Ellis when she is older.”

When Annie’s not at work at State Farm^® in New Albany, Ohio, she’s the primary caregiver for Jason. “I have a crazy life but I try to live normally. Coming to work every day is my escape,” she says. “It’s nice to have a change of pace and to have normal conversations with agents and co-workers.”

Jason went through some dark times after receiving his diagnosis. And although he has every right to be angry at his situation, he remains positive.

“Something like this could happen to anyone, and it’s important to stay positive and make the most of what you have,” says Annie. “We see this as a gift of sorts. Our time together is precious and we know to be in the moment and enjoy everything no matter how little.”

“The company’s current financial strength is allowing us to pass along a rate reduction to our Ohio customers," said State Farm Senior Vice President Rob Stewart. “We continually evaluate how we can best serve our customers and are very pleased to be able to offer this rate decrease in Ohio”

Overall changes in premiums for individual motorists will vary depending on the specific details of an individual customer’s policy and chosen coverages. The effective date for new and renewal business is May 21, 2018. Ohio customers with questions can contact their local State Farm agent to discuss their individual situation.

In addition to this rate reduction, State Farm agents are able to review with new and existing customers the many opportunities for additional discounts that may apply to an individual’s unique circumstances. A rate decrease combined with discounts offers an exceptional long-term value to State Farm customers.

Meet Sarah Fitterer. A 28-year-old high school graduate turned dental assistant. Sarah, her husband and their two children live in Newark, Ohio. Her husband is on disability and money is tight. The family lives paycheck to paycheck each month. Sarah isn’t sure if they will ever get ahead financially…

Time out.

Sarah Fitterer isn’t 28-years-old. She’s actually an eighth-grade student from Newark. Turns out, her theoretical life is part of a simulation game called, Reality Store. The rules are simple: choose an adult identity, a level of education and an occupation. Monthly earnings and life/family details (i.e., married, single, kids) are predetermined. In Fitterer's case, with a roll of the dice, she aged 15 years, received her high school diploma, and started a family.

The game, and her life, just got interesting. "This experience gave me a real world view of the struggles people go through," said Fitterer. "Sometimes things happen to us that are out of our control. Knowing how to overcome life challenges is really important."

All eighth-graders in Newark city schools take part in Reality Store. Prior to playing, students complete two classroom lessons focused on financial literacy. “We learned education, occupation and earnings are closely connected,” said Fitterer. “I also learned dropping out of high school can have serious consequences.”

The Objective:

This game and its accompanying lessons are part of A Call to College (ACTC). The non-profit organization helps students pursue a path to higher education.

“The more you learn, the more you earn,” said ACTC Associate Programming Director Shannon Chiacchira. “This small phrase has a big meaning. It helps students understand staying in school can lead to a more comfortable, satisfying and financially secure life.”

Let the Game Begin!

Following their classroom lessons, students transform into adults, and the school gym transforms into the Reality Store. With their newly assumed identities, these “adults in action” visit various life stations. They include:

Living Large: You drive a new car, have a topnotch phone plan and shop at high-end stores.

Modest Middle: You drive a used car, talk on an older smartphone, and shop at budget friendly outlets.

Penny Pincher: You take the bus, have a disposable phone, and shop at thrift stores.

Watch out!

If players run out of money before finishing their simulation, they go back to school! A higher education helps them earn more income and greater purchasing power. 

“During the game I bought a house. That was my downfall,” said Fitterer. “I should have rented because I ran out of money toward the end of the experience. So, I went back to school and got my Bachelor’s Degree – that helped!”

Fitterer admits, the Reality Store helped her appreciate the support her parents provide. “I’m one of four children,” she said. “Planning budgets can get really intense!”

The Tassel is Worth the Hassel

Mackenzie Wilkins is an eighth grade teacher in the Newark school district. She agrees with Fitterer - the Reality Store helps students understand the value of saving and investing money.

“After playing the game, they realize their moms and dads pay for a lot,” said Wilkins. “This experience helps them see how much comes out of their parents’ bank accounts – whether that’s childcare, groceries, or insurance. They also understand a college education can really pay off.”

Time to Reflect

At the beginning of the school year, Wilkins asks her students to write a letter, outlining their educational goals.

“Most of the letters I receive have career paths involving college aspirations. I always try to push my students to do their best and work towards those dreams.”

Wilkins knows firsthand the benefit A Call to College can provide. After graduating from her Newark High School, she received a Last Dollar Grant. This coveted scholarship helped pay for her college education.

“Today, I still keep my high school and college graduation pictures on my desk at school,” she smiled. “I also have my graduation caps and diplomas displayed. I believe these visuals help students see they too, can achieve their dreams if they work hard and try their best.”

For Wilkins and Fitterer, a visit to the Reality Store, coupled with a mission to succeed, can help anyone win in the “game of life.”

Cardboard scraps, discarded rolls of tape, hacksaws, and random pairs of shoes are common sights. Turn a corner and you might find yourself in the middle of a light saber battle by young boys who discovered empty cardboard tubes. If you're not careful, Godzilla might even attack!

So what exactly is Construction City? Organized chaos for sure. But also a 25-year tradition for the Boy Scouts of northwest Ohio.

Tori Taylor doesn’t live in a castle. She wasn’t saved by a prince. You won't find a shiny crown atop her head. Nevertheless, some might say she’s a modern day Cinderella. Because, when Tori needed help, an unexpected fairy godmother arrived with a life-changing plan.

Tori’s Story

Unlike many of her peers, Tori didn’t grow up in a loving home. She lacked clean clothes, proper hygiene, and access to nutritious food. “I was sent to school in dirty, poorly-fitting clothing and a packed lunch often containing nothing more than crackers and cheese,” she explained.

To top it off, she was denied opportunities to finish her homework, pursue extra-curricular activities or learn to drive. “My dad and stepmom told me they would kick me out of the house when I turned 18,” she said. “I felt so afraid and alone.”

However, Tori wasn’t alone. Someone was watching.

An Unconventional Fairy Godmother

Michelle Walther, is a site coordinator for Communities In Schools. The national, nonprofit organization gives at risk students the support needed to achieve - both in and out of the classroom.

As a site coordinator at Centerville High School, Michelle noticed something wasn’t right with Tori. One day, she invited her into her office and asked:

“How are you doing?”

A single question led to a series of answers. Michelle learned Tori’s basic needs were not being met. She took immediate action. This included giving Tori clean clothes, opportunities to shower at school, healthy meals, and supplies like notebooks and highlighters to stay organized in class.

“Tori was like many of the kids we work with – so burdened from shortcomings that they can’t concentrate on being a good student,” Michelle explained. “Giving a child someone they can count on to provide for their needs changes their world.”

Tori says the extra help was surprising. “I had never received attention like this!” By the time senior year began, Tori’s life had greatly improved. However, she still had a big concern. “I feared turning 18 because I would be kicked out of my house,” she explained.

Once again, Communities In Schools stepped in to help.

A New Chapter

Michelle connected Tori with Melissa Vance. She warmly took her in. “No child should be forced to the streets just because they reach a certain age,” said Melissa. “Our family was happy to open our home and welcome Tori to be part of it.”

“I had never felt as loved and cared for, as I did then,” said Tori. “I grew up being treated as a burden…never feeling loved and wanted. Becoming part of this family helped me feel like I fit in and was just a normal teenager with a great family.”

Preparing for the Ball (a.k.a. – Prom)

Spring arrived - and with it came the big dance. One day after school, Michelle took Tori shopping for a dress and shoes. The day of prom, she had her hair professionally done.

“In less than a year, I had had gone from dirty, hungry and scared – to happy, loved and on my way to senior prom,” Tori shares.

A Happy Ending

Today, Tori is in her junior year of college, and works in the finance industry. Reflecting on her experience with Communities In Schools, she says she’s overwhelmed with gratitude.

“I don’t know where I would be today without the help of this wonderful organization,” Tori says. “I do know I would not be a part of a loving family, be on my way to a college degree, and have a full-time position in the finance industry. My life now is something I could only have dreamed about before Communities In Schools reached out to help me realize my worth and become the person that I am today.”

With support from State Farm, Communities In Schools is working to build stronger communities and change children’s lives. Tori’s Triumph is just one example of the many children it helps each year.

En Español

A self-proclaimed “rebel”, Chris Kurowski failed his senior year of high school. Words of wisdom from his Grandfather moved him to action. Chris shares, “My Grandfather’s dying wish was that I return to high school and get my diploma, so I did.”

After graduation in 2001, and unsure of his next steps, Chris enlisted in the U.S. Army Reserves. He was about to board the bus for boot camp when the September 11 attacks occurred. With his departure delayed, he knew his world was about to change.

Not one but three tours of duty

After basic training in Ft. Benning, Georgia, Chris completed “Advanced Individual Training” and became a Motor Transport Operator. He continued his commitment as a Reservist by serving one weekend a month and two full weeks during the year.

In 2003 Chris received orders to go to Iraq. “I wasn’t scared, I was kind of excited,” he said.

Chris served three tours of duty in Iraq. He earned two Bronze Stars and a Combat Action Badge. Chris shared, “It turns out, I ended up being pretty good soldier.”

On one mission, Chris observed a crash involving civilian casualties. Lifesaving skills and medical training helped him save the life of one of the civilians. This experience lead him down an unexpected path.

Between his first and second deployment, Chris married his hometown sweetheart Ashley. He also made the decision to pursue a career in fire service, enrolling in the Ohio Fire Academy.

He longed for the structure and brotherhood in fire service he enjoyed in the military. Half way through, he was called back to Iraq.

Chris’ third tour was the most difficult. With a wife and two beautiful daughters at home (and one on the way), it was even more difficult to return to service. “It’s more than just you,” he said. It was during this tour, Chris earned his second Bronze Star.

The Brotherhood of Fire Service

Chris landed a full-time position with Pleasant Township FD in Grove City, Ohio. His best friend signed up for the Certified Rescue Technician program through the Bowling Green State University State Fire School. Not one to be outdone, Chris decided to join him.

He hoped to use his GI Bill to pay his tuition, but learned the program didn’t qualify for reimbursement. Chris was devastated until he heard about a scholarship. A grant from State Farm® provided the scholarship. Chris went to training and earned his Certified Rescue Technician designation in August 2016.

“This training surpassed any expectations I had. Rescue Tech School is a high intensity hands on training. It helps you understand the why behind the decision,” Chris shared. “I want to be prepared when I get to the scene of a fire or crash. The worst feeling is not knowing what to do.”

Throughout his life, Chris has lived by one motto, "Put yourself in the position to be the best." He continues to surround himself with the best. His wife Ashley, and daughters Annabelle (eight), Stella (seven), and Gigi (four). And his new family at the Pleasant Township Fire Department.

Bloomington, Illinois (October 21, 2016) – State Farm is introducing a new coverage endorsement in several states to help fill insurance gaps for its policyholders who use their personal cars to provide rides for a Transportation Network Company (TNC), like Uber and Lyft. The TNC industry is rapidly changing the livery/taxi industry by using the latest mobile technology to facilitate rides for hire. With these new transportation services in the marketplace, drivers are exposed to new risks.

Insurance provided by TNCs may be limited in scope and coverage. Personal auto policies generally do not extend coverage to the use of personal cars as taxis or livery vehicles, including their use in TNC services.

To adapt to changing customer needs, beginning Monday, October 21, 2016, State Farm will offer a Transportation Network Company Driver Coverage endorsement in Connecticut, Delaware, Georgia, Idaho, Indiana, Louisiana, Mississippi, North Dakota, Nebraska, Ohio, Oklahoma, Oregon, Washington and West Virginia.

The effective date for new and renewal for all states except GA: October 21, 2016. The effective date for new and renewal for GA: November 21, 2016

Ten jurisdictions obtained the endorsement earlier this year: Alabama, California, Colorado, Iowa, Kentucky, Maine, Minnesota, Tennessee and Wisconsin .

"Adapting and innovating to our customers' changing needs is critical," said Vicki Harper, State Farm Public Affairs Specialist. "This new product is an example of our commitment to our customers and provides them coverage, and peace of mind, when they use their personal cars to provide TNC services."

TNCs may provide high liability coverage limits while a paying passenger occupies the driver's vehicle or when the driver has been connected with a passenger and is on the way to pick that person up. But TNCs tend to provide a much lower limit of liability coverage when drivers are just available for hire and may not provide the drivers with any medical payments, comprehensive, or collision coverages at all. The TNCs may not be providing coverage for injuries to the driver or coverage for any damage to the driver's personal car.

The new, optional State Farm TNC Driver Coverage endorsement enables a policyholder to have his/her personal auto policy fill in the coverage gaps left by TNC-provided insurance. This cost-effective endorsement provides the driver with the full liability coverage limits carried on his/her auto policy during the period of time when the driver is available for hire, and provides the driver with all other coverages applicable to his/her auto policy during all periods of TNC driving.

Customers in these states who drive for a TNC should contact their local State Farm agent to learn more about the new State Farm TNC Driver Coverage endorsement.

Eleven days later, the house burnt down when a candle caught a box of clothing on fire. Luckily, the smoke alarm sounded in one of the bedrooms. The entire family escaped to safety thanks to their gift from the Red Cross and State Farm.

Home Fire Preparedness Arms Families

The American Red Cross Home Fire Preparedness Campaign rolled out across the country in October, 2014. The goal? To reduce the number of deaths and injuries from home fires by as much as 25 percent over the next five years by installing smoke alarms for families who need them.

Across the country, the Red Cross, along with local fire departments and community groups, are canvassing neighborhoods and teaching people about fire safety.

When three year old Isla came to her mother, Amy Ionno-Carper, with a headache, Amy did the same as any caring parent. But when the headaches became more intense and more persistent, Amy became concerned.

For Amy, multiple medical visits finally led to the diagnosis of Chiari Malformation.

Chiari (pronounced key-are-ee) Malformation is often referred to as the invisible disease, and for good reason. There are no outward signs. The most common symptoms are persistent headaches. Some patients can have as many as 200 different symptoms.

The Invisible – and unknown - disease

Not only is Chiari “invisible” but it’s relatively unknown. And there’s no cure. The Chiari and Syringomyelia Foundation is dedicated to education, advocacy and research of this rare disease.

In 2015, thanks to Amy and an army of supporters, the Chiari and Syringomyelia Foundation received a $25,000 State Farm Neighborhood Assist® grant.

Funds from the grant created a lecture series, Consider Chiari, to educate the medical community about the illness. What is known about the disease is understood by a fraction of medical personnel.

Having a confirmed diagnosis is only the beginning for Amy. “I’m just a mom making a change for my child’s future.”

Jennifer* was facing hard times. In her early sixties, she lost her job due to an illness and was in dire financial straits. She had no health insurance. Her home was in foreclosure. She wasn't making enough money to make ends meet.

She looked for help and found Licking County Coalition for Housing (LCCH). LCCH gave her tax assistance that changed her course.

The program that helped Jennifer is called Volunteer Income Tax Assistance (VITA). VITA has four primary goals in serving low-to-moderate income individuals and families:

• Help low-income taxpayers file their tax returns correctly, completely and FREE.
• Inform taxpayers about the Earned Income Tax Credit, and make sure they claim it correctly. For some, the EITC can increase a refund by several thousand dollars.
• Educate consumers about the high cost of Refund Anticipation Cards (RACs) and offer a free alternative to a quick refund.
• Provide financial information to help achieve long-term financial stability.

So, what happened to Jennifer? She had her taxes prepared free by a VITA volunteer who also helped create a tax strategy to reflect the changes in her life. She was referred to an attorney who was able to provide pro bono legal advice.

She met with a LCCH homeless prevention assistant who explained the subsidized housing process and the options available to her. Jennifer now lives in a subsidized housing complex near her daughter.

She has maintained a positive attitude through all life has thrown at her and credits her attitude to her special needs grandson.

Jennifer shared, "I've learned a great deal about life from him, and how to make the best of each day. He is truly my inspiration."

Tax Tips:

• Keep all tax documents together and give them to your tax preparer.
• Honesty is the best policy, never provide false information.
• Let your tax preparer determine which filing status benefits you and your family.
• Consider what benefits the household versus an individual when it comes to claiming dependents and credits.
• Ask questions and bring last year's return with you if you are using a different tax preparer.
• There are penalties for not filing a return. Interest is charged for not paying on time.
• Short-term goals for a refund: get current on your rent or mortgage if you are behind. Start a savings account/emergency fund. Take care of your transportation needs. Pay down balances on high interest credit cards.
• Long-term goals for a refund: consider saving for retirement. A small amount can have a significant effect over time. You can talk to a State Farm agent to explore choices that might be right for you.

*The name of the individual in the story has been changed to protect her identity.

Parents Mick and Laramie Lundy were scanning the crowd looking for their son. Cory’s absence at the high school basketball game was beginning to worry them.

Laramie looked at her phone and noticed she had several voicemail messages. As she listened to the messages, her face went pale. Mick knew something was horribly wrong.

It was every parent’s worst nightmare, their son had been in a crash.

They rushed to the hospital where Cory, a junior at Beavercreek High School, had been taken by helicopter. Cory suffered a traumatic brain injury; a fractured skull and bleeding on the brain. Doctors later discovered internal bleeding and immediately performed a second surgery.

As the news of Cory’s crash spread throughout the community, students and parents began to arrive at the hospital. At one point there were as many as 100 people at the hospital supporting Cory.

Cory spent six days in the ICU in a medically induced coma. He spent six weeks in the hospital followed by months of rehabilitation and two years of physical therapy. He had to relearn the most basic skills.

Experience is the best teacher

Mick, a State Farm Agent, believes inexperience played a role in his son’s 2010 crash. Cory, 17 at the time and a newly licensed driver, overcorrected and hit a guardrail which caused his truck to go airborne.

When it flipped, Cory was thrown from the vehicle because he wasn’t wearing his seat belt. “You would think, being the son of an insurance agent, he would wear his seat belt, but he didn’t,” said Mick.

Today Cory has fully recovered. He graduated high school on time, is a team member in Mick’s office, and is a full-time student at Clark State University.

Cory encourages others to learn from his experience. “Please use your seat belt and pay attention to the Drive ALIVE program. Two hands on the wheel and two eyes on the road will save lives and prevent crashes,” said Cory.

Mick shares this experience with parents when they come to his office with a new driver. “I always talk to our customers about how life can change on a dime. It’s my responsibility to help them be the best prepared if the worst does happen,” said Mick.

“I talk about Cory’s crash and let them know that it should have never, ever happened, but unfortunately, it did. Helping families be prepared is what my job is all about. Hoping it doesn’t happen is not a plan, a plan is a plan,” shared Mick.

True Professionals

Mick returns to Miami Valley Hospital, where his son was cared for, to talk about the crash. He talks with groups of young adults and their parents about his son and teen driver safety.

Mick tells the groups, “I always thank the doctors, nurses, therapists and administrators whenever I see them. Five and half years later we still keep in touch with two of the nurses, a therapist and a few administrators that helped us. They were all true professionals.”

Earlier this year, Mick was honored to present Miami Valley Hospital with a State Farm grant to support a program called Drive ALIVE. The grant helps reproduce teen driver safety program materials for area high schools.

When Mick walked into the auditorium for the check presentation he was greeted by one of the Trauma Nurses who cared for Cory during his stay. Cory’s Speech Therapist was also there with a warm welcome.

Ironically, the same day as the check presentation, Mick’s daughter obtained her driver’s license. Kayla waited until she was 17 ½ to get her license because of what her brother experienced. His crash made her more cautious and a bit nervous.

This experience has forever changed Mick and his entire family. Mick shares, “It made us closer. We watched a young man go through more than anyone should ever go through. He is strong and God left him here for a reason. I firmly believe that Cory is destined for unbelievable accomplishments in his life.”​

As a high school freshman, Bobby Persinger felt he found his place in this world when he began volunteering with the Y.E.S. (Youth Engaged in Service) Club. It was while he was looking at service brochures at the YES Club, he identified the disease that had tormented his mother throughout his childhood. The reality of his home life was spelled out in words directly in front of him; his mother was bipolar.

Bobby describes this as an “Ah-Ha” moment. Moments that might seem inconsequential to some, ended up leading him to where he is today. He always felt the desire to do good things, and in his mind he thought, “do something bigger than you.” So he did.

Early in his career, Bobby focused on helping people during the hardest times of their lives. He answered the phone at the 2-1-1/Crisis Hotline and Information Center, and provided assistance to families through Job and Family Services. Having “been there”, gave him the ability to connect with the people he served. During this time, he managed to build a career and dedicate his education to helping those in need.

Ultimately, the environment of working with people who were constantly struggling became exhausting. It was then that he had another “Ah-Ha” moment .As a result, Bobby’s life took an unexpected turn.

It all started when Bobby volunteered for a weekend at a Youth to Youth Camp. Camp was positive, uplifting and full of joy and love. A weekend at camp led to a week of camp, and later a full time job as the Youth Coordinator.

In 2011, as the Prevention Director at Pathways of Central Ohio, Bobby had a vision for a group focused on youth engagement. He reached out to his community contacts, secured funding and created The Youth Leadership Council (YLC) of Licking County.

The YLC is an award-winning youth-led prevention project comprised of high school students who collectively work to help make Licking County a happy, healthy, safe and drug free place to live, work and go to school. Through prevention education, leadership development, civic engagement and community service; the YLC strives to educate and inform parents, professionals and their peers on the dangers of substance use/abuse and violence.

For former YLC President Blake Butler, a Navy ROTC Cadet at Virginia Tech, Bobby was a positive influence in his life. “Bobby was always supportive. He made time for you, and you could talk to him about anything.” He adds, “It (the YLC) was our path, and our journey, but Bobby guided us.”

Blake admits the YLC started out to be a resume builder for college, but after he attended the first two training sessions, he realized it was so much more. “The skills I learned though YLC will guide me throughout my career in the Navy,” said Blake.

Four years later, the YLC has grown from 19 members, to 57 for the current cycle. A total of 108 high school students have passed through the YLC and they have dedicated more than 10,000 hours to community engagement.

Bobby Persinger is helping to change the world, one “Ah-Ha” at a time.

But a new program in inner city Cleveland is working to fill those gaps and help kids who have suffered tragedy find a way to grieve, connect and find ways to move forward with their new realities.

You could call it grief camp, but it’s about far more than grieving. “Our goal is to instill in [the kids] encouragement, to motivate them to keep pressing on, to keep living life, but also to facilitate some of the necessary healing,” said Ty Morgan, spiritual director of Cornerstone of Hope, the organization behind the Cleveland program. “After you lose somebody, it does cause a big wound in your heart and your soul.”

Basically, Cornerstone of Hope, which offers a variety of grief and support services in Ohio for people who suffer a loss, recognized that while life insurance and legal arrangements can help protect kids and families on some level, it takes more than that to really address such a loss.

The weeklong program is designed to help kids explore and express their feelings through group activities, counseling and creative expression - and also just have fun.

"This is a camp for grieving kids, but we don’t want to completely emphasize their sadness, their anger, those negative emotions,” said Morgan. “We want them to have fun - they’re still kids – and show them that they can have fun despite their loss.”

Mark Tripodi, executive director and founder of Cornerstone of Hope, said he has seen this kind of approach give kids new ways to express themselves. “We foster different types of interventions for kids to express their grief, and one of the most powerful forms is the performing arts,” he said.

While the first two Cornerstone camps served kids in rural Ohio, the new camp in Cleveland, Camp Heroes, was specifically established to reach a new group of kids in the inner cities.

"We have definitely seen a lot of loss in the inner city, whether it’s from gang violence or other violence, accidental overdose is definitely on the rise in the Cleveland area,” said Shannon Grubich, camp coordinator and counselor with Cornerstone.

Wherever there is loss, Cornerstone offers a model for extending an emotional lifeline to kids.

“This next chapter is going to be difficult because their loved one is not with them, but it doesn’t have to be a terrible chapter of tragedy,” said Morgan. “It can be one of triumph.”

(Not licensed in MA, NY or WI) State Farm Life and Accident Assurance Company (Licensed in NY and WI) Bloomington, IL LIAM-1011.0

If you asked Kevin Watkins one word he would use to describe himself five years ago, he would say “shy”.

When Kevin met his “Big Brother”, State Farm Auto Estimatics Inspector, Tom Headley, he was 14 years old. The then 8th grader, was a self-described tall, skinny kid…and very shy.

In 2009, a State Farm office in Newark, OH launched “State Farm Diplomats” in partnership with Big Brothers/Big Sisters of Licking and Perry Counties. Employees became “Big Brothers” to middle-school aged children, maintaining the relationship until the “Little” graduated from high school.

Tom was quick to volunteer. Fast forward five years, and Kevin recently graduated high school and completed a certificate in Firefighting/Emergency Medical Services!

First Impressions and Life Lessons

At first, Kevin and Tom, would walk around town or go out to eat. Over time, Tom introduced Kevin to different environments. Kevin recalls going to the Amish country and being introduced to the “motorcycle community.”

When Kevin expressed an interest in purchasing a bicycle that was well out of his price range, Tom used the opportunity to help Kevin research options. He then put Kevin to work, cutting a lot of grass, to pay for his bike. Tom paid for the bike, but Kevin worked to pay for it.

As Kevin puts it, “Two of Tom’s favorite saying are ‘Listen to me boy when I’m a talkin’ to ya” and ‘ya gotta work for what ya get’.”

Kevin is no stranger to hard work. Throughout high school, he worked on a farm, caring for more than 200 dairy cattle. Kevin also earned his helicopter landing license, he is a Jr. Firefighter with the Newton Township Fire Department), and he is certified in CPR and First Aid.

Kevin now works at Bayer in the Fabrication and Welding area. He is currently working to earn his Welding Certification. All those years of sanding doors, cutting grass and milking cows have led to a hands-on career, and as Kevin says, “give me something to put my hands on and I’ll do it.”

A Match Made In…Newark

Tom and his wife, Tina, fully embrace the Big Brothers/Big Sisters program, even though things didn’t always go according to plan. As Kevin got older, his work schedule got busier. It became more and more challenging to connect with his Big Brother.

According to Tara Shannon, Match Support Specialist with Big Brother/ Big Sister, “we were going to close the match.” Tom dug in his heels and refused to let this happen, insisting they keep the match open.

It’s A Family Affair

Tom and Tina made the Big Brother/Little Brother experience a family affair. When the couple couldn’t attend Kevin’s high school graduation party, Tina’s parents went instead..

Without Big Brothers/Big Sisters, Kevin says his life would have taken a different course.

“I would have hung with a different crowd, and probably wouldn’t have graduated,” Kevin shared.

He could very easily have made the decision to drop out of school to work, but Tom and Tina wouldn’t let that happen. With their encouragement, Kevin stayed in school.

Tom told Kevin, “You have to stay in school and graduate if you ever want to make anything of your life.”

Paying It Forward

Even though the formal aspect of Tom and Kevin’s match has ended, their relationship continues. Following in Tom’s footsteps, Kevin is now a Big Brother to a six-year-old named Jackson.

Remaining involved with the Big Brothers/Big Sisters program, Tom and Tina matched with Jackson’s younger brother Gabe. A third brother, nine-year-old Ayden, also has a Big Brother, and when his big can’t make it to events and activities, Tina steps in.

Most recently, this lively group participated in the Annual Miniature Indoor Golf Open challenge which raises money for the local Red Cross disaster relief efforts. The boys and their “Bigs” spent the afternoon putting around the course.

What began six years ago as a way to encourage a young man to stay in school and graduate has grown into something that will change the life of not one, but four young people forever.

“You can imagine, I’m at the height [of success], you know what I mean?” remembers Rob. “And then one call. Boom. It’s done.”

In the months and years that followed, Sims struggled with the void left by his father, known in his playing days as the “Gentle Giant,” whom Sims remembers as “a real country man” from Union, South Carolina.

“He was just the best person you would ever meet,” Sims said. “He would take anybody in. He would feed anybody, clothe anybody, anything he could do.”

Finding help, delivering a message of hope

Despite his success in the years following his father’s passing, Sims found himself feeling empty – until he was able to work through his long-standing grief and focus his attention back out to the community, living the way his father would have lived and helping others who suffer loss like he did.

Sims and his family have learned to take their love of Mickey and focus it outward. Now, Sims honors his father by helping others who are on the same journey and raising funds for Cornerstone of Hope so that it can help others find peace.

Cornerstone of Hope, in Cleveland, Ohio, was founded by Mark Tripodi and his wife, Christy, after the loss of their son. The organization is supported by State Farm.

“When we tried to find support in our town, in our community, it was exhausting,” Tripodi remembers. “I’m proud to say that we’ve been in the community for many years now. And all of our programs are geared towards serving grieving children, teens and adults.”

A father’s lasting legacy

And Sims reminds others through his words and deeds what it means to be a father and to leave a lasting legacy: from the memories of a life well lived that children carry, to ensuring the economic security of the family through life insurance and financial responsibility, to doing good works in the community that last long after a man is gone.

“Everybody’s got a time, everybody has got a day when it’s going to be over,” Sims says. “But you leave your mark, just by being the person you are while you’re here and setting your family up for the future.”

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