“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.

Deatria Walker lent a helping hand with a program at her son’s school that she was very familiar with – Junior Achievement.

“Volunteering is important to me. My son’s school sent out a request for volunteers for the Junior Achievement program. Since I was involved in the program as a high schooler, I thought it was a wonderful opportunity to get involved in his school,” the Cincinnati, Ohio, agent says.

For Deatria, Junior Achievement sparked her interest and motivated her to attend college. A recent Cincinnati high school graduate had a similar experience.

Ty’ron Little participated in the JA Personal Finance program in eighth grade and the JA It’s My Future program in high school. He put the information he learned through these programs to use to get a job, open a bank account, buy a car and get into Miami University.

Junior Achievement featured Ty’ron in a video and asked Deatria to pose as the small-business educator.

“I got to talk to Ty’ron and get the back story of what he had gone through with his mom and family members. He wanted to set an example for his little brother. He said Junior Achievement helped him stay focused,” Deatria says.

“We realized what a unique and wonderful story Ty’ron had,” Laura Randall-Tepe, vice president of strategic relations for Junior Achievement of OKI Partners – Cincinnati/Dayton/Richmond, says. “We know there are kids engaged in the program and from the program. They’re introduced to strategies and concepts they didn’t know or hadn’t picked up.”

Deatria wanted to give back to her community, and Junior Achievement was a great way to do that.

“It’s a blessing I have this career. When I was younger I wanted to be a teacher. Although I’m a State Farm^® agent today, I’m able to fulfill that need to help educate and pass on the knowledge I’ve learned to benefit someone else,” she says.

“I think it’s our responsibility to reach back and give as much as we can to someone who needs assistance,” the 10-year agent adds. “There were so many adults who helped me when I was a student and didn’t have much. Now it is my time to help take care of others.”

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.”

“Once you’ve been involved, you fall in love with it,” Andy says. He’s helped judge for seven years. Kenny Hall, State Farm employee, has been involved with Ohio SkillsUSA for 20 years and helps manage the collision repair and refinish programs.

“My first impression was ‘wow,’” he says. “Sometimes it’s hard to get people interested in volunteering, but a big percentage ask to be included the next year. They’re excited to see students interested in collision repair and refinishing. It’s a great way to give back and pay it forward.”

SkillsUSA is a national association serving middle school, high school and college students interested in careers in trade, technical and skilled service occupations. The program prepares students with the skills of the trade they’re interested in, but it also equips them with personal skills such as professionalism, work ethic and integrity, and workplace skills such as communication, decision making and teamwork.

“It’s a career path, a gateway for them to get involved in the industry and align to future job opportunities,” Andy says. “We work to place the ones who make it through the program in jobs.”

Both Andy and Kenny came to State Farm from the repair industry and are proud to share with students a successful career path.

Andy was an estimator and assistant shop foreman in a collision repair shop and worked as a detailer, assistant service advisor and used car salesperson at a dealership before making the move to State Farm.

Kenny began his career in a collision body shop, working his way up before accepting an opportunity with State Farm to be an estimator. He still spends a lot of time at body shops inspecting and auditing the work.

“We have the same background as the students. It’s one of those proud moments to be in that environment again to give back to the kids,” Andy says.

Within the collision repair and refinish contest, students are tasked with repairing a dented fender or refinishing the side of car with welding, painting and masking work.

“It makes the students well-rounded for entry-level jobs in the industry,” Kenny says. “Being involved in SkillsUSA gives them a better look at the real world. They interview, take industry tests, provide estimates for the damage and do the refinish or repair work.

“Most of the students appear to have initiative and are self-starters,” Kenny adds of the SkillsUSA students. “I think those who get to that level have a love for the collision or refinishing side. If you really like doing that, you have a good work ethic and initiative, all of that makes them more employable.”

“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.

Ten years ago, like many 5-year-olds, Eric Hardy walked into his kindergarten classroom. He was active, attentive, and weighed about 65 pounds.

Soon after, he became ill and quickly lost 30 pounds. It became necessary for him to be home schooled while his family searched for answers.

Seeking Dr. House

Eric’s family sought medical attention to determine the cause of his rapid weight loss and his undiagnosed illness. His mother, Tammy, pushed for answers but wasn’t getting them. After visits with many doctors, they finally met their “Dr. House.” Like on the TV show. He was god-like and a bit eccentric, but he knew exactly what was wrong.

Eric’s diagnosis was PANDAS (Pediatric Autoimmune Neuropsychiatric Disorders Associated with Streptococcal Infections). Many people get strep and suffer no long-term effects. However, with PANDAS, the strep virus triggers a misdirected immune response. The result is inflammation of the child’s brain. Eric was born with no immunity to strep. When he got the infection, his body tried to fight it, but didn’t know how. 

Scouting Teaches Perseverance

“With the loss of his school and access to his friends, Eric was essentially a prisoner in our home,” recalls his father David Hardy, a State Farm agent. “We were his only comfort.”

Just as Tammy led the charge looking for a diagnosis, David looked for ways his son could connect with other children and stay busy. One day, he saw a flyer in a local grocery store for the Cub Scouts.

“I knew I had to do something. Just waiting around for what we thought could be a possible outcome was not good for any of us,” David said.

”I took Eric to that first Cub Scout meeting thinking the worse they can do is tell us no,” David recalls. “I was so surprised when they took him in.”

Not wanting to feel Eric’s circumstances might be a burden to the troop, David volunteered to be Den Master.

He Lives With Hope

Fast forward 10 years. Of the 11 other cases of the disease the Hardy's were aware of, Eric is the only survivor. In his case, the onset of puberty and increased testosterone dramatically altered his immune system allowing his body to better fight the strep. Eric still struggles with the fallout from a once terminal disease, but he perseveres. Just like the Scouting program taught him. 

At Penta Career Center, Eric is a member of the Information Technologies Academy. He is 16 and going through a growth spurt. At six feet tall, he weighs 222 pounds and wears a size 16 shoe. “That’s not a sickly little boy anymore, that’s a high school linebacker,” David exclaims.

David and Eric are still active in Scouting. Eric recenty earned the Eagle Scout designation by supporting the Wood County Humane Society. He is also an 11-year member of 4-H. And soon, alongside his father, he will become certified in deep water SCUBA.

“Scouting is just one of the main constants in my life,” Eric explained. “My father’s love and active involvement, and my mother’s perseverance are the others.”

They will remain active in Scouting. According to David, “I can never give back to this program what it has given my son, my family and me.”

It’s the start of a new month. That means Andrea Taylor and her team are busy planning how to get their good neighborly giving fix.

They became addicted after the 2014 holiday season.

“I wanted to do a 12 days of giving program. But, things were just too busy to get organized,” the Gahanna, OH State Farm Agent recalls. “So I decided I was going to commit to a plan for the coming year. 12 Months of Giving was the result.”

Giving back is now a habit. Andrea’s State Farm team identifies needs in their community. They then decide the steps to take to help fill those needs. Each month a different organization in the Columbus suburb benefits from a donation or volunteer support.

“We want to connect with the community in ways other than insurance. We want to get to know our neighbors, and for them to get to know us,” Andrea explains.

Personal passions often play a role in deciding organizations and causes to support. Andrea loves fashion, and helping women enter the workforce is important to her. So, Dress for Success^® Columbus was one of the first organizations selected. In addition to donations, Andrea volunteers as a personal stylist for their clients.

"Andrea has such a caring demeanor with the women we serve in the community. Her positive, energetic personality is contagious,"  said Molly Preston, DFSC Contributions Coordinator. "We are thrilled she is part of the Dress for Success Columbus team!“

Whether it's sponsoring several Gahanna Residents in Need (GRIN) programs, or filling Caitlins’ Smiles gift bags for children with terminal illnesses, or leading free yoga classes to promote community well-being; each effort is a work of heart.

“One of our most memorable months was last April. We closed the office for a day. My entire team visited families at the Ronald McDonald House in Columbus,” says Andrea.

They arrived during lunch with footballs, stickers, coloring books and teddy bears.

“We introduced ourselves to the families and asked each child to pick some items,” says Andrea. “One little boy was having a rough day and he was crying. When I asked if he’d like a football, he pointed to a bear. He grabbed it, hugged it and stopped crying. Our eyes welled up with tears. We were so overcome with emotion.”

Sometimes 12 Months of Giving attracts attention without even trying. Like the time she was out shopping for items needed by GRIN.

“My cart was overflowing with pasta, and other needed items listed on GRIN’s website,” says Andrea. “When people asked, ‘Are you feeding an army?’ I said ‘Yes, I am!’ I then introduced myself and told them about 12 Months of Giving.”

Many people in the local community are now familiar with the program. It's even extended overseas.

This past September, Team Taylor gathered eight boxes of donated items. They were sent to 10 female service members in Afghanistan. One of Andrea’s team members included handcrafted cards in each box. Her hope was the women could send the cards to their families to help give peace of mind during their deployments.

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.”

Dez'Siray is an honest kindergarten student in Youngstown, Ohio. She would tell you when she misbehaved.

According to the U.S. Census Bureau, Dez’Siray is among the 63% of children living in circumstances of significant disadvantage. Nearly 35% of Youngstown’s population is living at or below the poverty line. These statistics are common in many U.S. communities.

However, in Youngstown, the United Way is helping students like Dez’Siray with an integrated community effort called Success After 6.

Since joining Success After 6, Dez’Siray’s reading assessment grew by 179 points. She has shown significant growth in her reading skills, and has also shown great strides in her behavior.

Now, she proudly tells you when she did well in school and during her after school program.

GIVE

The Success After 6 program (referring to six years of age) resulted from years of research. It focuses on children’s need for a safe place and positive environment to succeed. It brings together school and community resources focused on academics, health and social services, as well as social and emotional development.

The “community school” concept encourages coordination of academic, social, and health services through partnerships between public schools, local educational agencies, and community based organizations.

This “one-stop-shop” for families is key to the program’s success. The Youngstown Community School (YCS) includes a food pantry and provides after school and summer school opportunities, field trips, and dental and vision screenings - all under the theme of “Bringing It All Together!”

ADVOCATE

Brenda Scott, or “Miss Brenda” as she is affectionately known to the YCS students, is the Success After 6 coordinator. She oversees tutors, health screenings, and volunteers. She also runs a three-hour, after school program, which includes academic support, fitness, the arts, and a warm meal.

Miss Brenda asks parents to “tell it to me straight!” Their feedback and engagement has helped set high expectations for the students.

Together the parents and administration created the Success After 6 program goals:

• Improve grade level reading
• Increase parent and/or guardian involvement
• Focus on attendance and decrease tardiness
• Provide after school food and transportation

Support of the Success After 6 program is evident. Parents and teachers report an improvement in their children’s behavior. Students are completing their daily homework and have a 95% school attendance rate.

VOLUNTEER

Programs like Success After 6 rely heavily on community volunteers. In Youngstown, students from Youngstown State University’s honors program are regular classroom volunteers.

In January, eleven State Farm Agents from Youngstown volunteered to create the “State Farm® Reading Oasis.” There, students can sit comfortably on colorful beanbag chairs and select and read age-appropriate books. State Farm Agent Jan Cefalu helped spearhead this effort.

“As agents, we feel it is important to give back to the community. The State Farm culture is to be a ‘good neighbor’,“ said Jan. "The youth of the community are our future. If we can play a small part in their development, as role models and leaders, we are happy to do so.”

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.

Holiday Hearts, hosted by The Andy and Jordan Dalton Foundation, is one way professional football player Andy Dalton and his wife, Jordan, give back to their community.

For the Muskopf family, and for other families like theirs, attending Holiday Hearts is an opportunity for quality family time.

“As a parent of a child with a terminal illness, we are trying to create as many memories in Brody’s short life as we can so that we have wonderful memories to last a lifetime,” said Brody’s mom Ric Muskopf.

Where It All Began

Andy and Jordan Dalton always knew they wanted to give back. Andy, a successful professional quarterback, got his motivation from a college coach whose granddaughter had been diagnosed with cancer. Andy learned she was a fan, so he reached out to offer his support. “I wanted her to know she was not alone,” he said.

Jordan’s inspiration came from friends who are special education teachers, and from her life experiences with service organizations.

In 2011, they formed The Andy and Jordan Dalton Foundation and provide opportunities, support, resources, and life-changing experiences to families with seriously ill and physically challenged children. “This experience (meeting the young girl with cancer) is what really inspired the mission of our Foundation.”

“I’m getting to live out a dream that I have wanted since I was a little kid, and these little kids are just fighting for their lives,” shared Andy. “When you see the smiles on these kids’ faces, regardless of what you are doing on the football field, it doesn’t matter.”

Enjoy Being a Kid, and Not Being a Sick Kid

This past December, the Andy Jordan Dalton Foundation hosted Holiday Hearts to help families from Cincinnati Children’s Hospital enjoy a night away. Seventeen families enjoyed a fun holiday-themed evening with Andy and Jordan, including dinner, karaoke, holiday treat-making, a bear building station, games and presents. Each family received a family gift and Christmas tree along with additional gifts from their wish lists. Best of all, families were able to spend quality time with each other, something the Daltons cherish during the holidays.

Ric Muskopf couldn’t agree more. “These events have been so meaningful because they involve our whole family and not just our sick child,” she said. “They can enjoy being a kid and not being a sick kid.”

“For my husband and I, seeing our children happy is the greatest gift of all. These memories as a family are unforgettable, and we are so grateful,” said Ric.

For the Daltons, it’s being able to make a difference. “You really see the direct effect the Foundation has on families. That’s where my heart was when we started the journey. They’re so appreciative of anything that can be done,” said Jordan.

For more information about the Andy and Jordan Dalton Foundation, which is supported by State Farm, please visit andydalton.org or visit them on Facebook.

*Photo credit: Greg Burnett, Robert G Foto

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.

As a child, Tajha’s family was constantly on the move. Although they never had a reliable shelter to call home, Tajha refused to fall through the cracks.

“If you’re in an environment you don’t want to be in, push yourself,” says Tajha, “I knew there was so much more out there for me.”

It Takes a Village

Luckily, she wasn’t alone. Tajha surrounded herself with a number of helpful role models along the way.

One such supporter was her teacher Miss Fleming, who encouraged Tajha to pursue the world of possibilities that lay ahead.

Equipped with great mentors, Tajha graduated second in her class, and the president of several clubs. These achievements earned her leadership service awards from Toastmasters and GRAD Cincinnati, funded by State Farm.

The GRAD Cincinnati scholarship brought Tajha new mentors such as the organization’s Program Manager Jamell Taylor and its Executive Director Patricia Stewart Adams.

Jamell says he knew right away Tajha was different from the others. “[She] is wise beyond her years,” he said fondly, “She has dreams and is willing to put in the hard work and dedication to make [them] come true.”

At a Crossroads

Dreams of a better life led Tajha to Ohio University, but the move from a small high school to a college of 27,000 students was overwhelming. Midway through her freshman year, the transition intensified as Tajha’s family lost their home due to financial hardship.

Tajha struggled to balance her education with her ever-growing pile of worries. This left little time for making friends or being happy. Soon, Tajha thought about dropping out and returning to Cincinnati.

During those trying times, however, her mentor Patricia helped her back on her feet. Patricia reminded her that opportunities don’t always knock more than once.

Tajha reflected on how far she had come and repeated her mantra to herself.

When you want to give up, just think where you will end up.

With renewed motivation, she was able to finish her first year with a 3.5 GPA, an internship with the Community Food Initiative, and plenty of friends to boot.

Chasing the Dream

While college life still has its challenges, Tajha is making the best of it. Her infectious smile, captivating personality, and determination will enable her to overcome whatever life throws her way.

After college, Tajha plans to work for the United Nations or the Peace Corps, with the goal of creating a culture that connects people. Her dream is to establish a non-profit organization that both mentors and provides full-ride scholarships to 7th – 12th grade students.

A central Ohio museum is taking STEM to a whole new level. The Works, a history, art and technology museum is hosting STEMfest!, a competition focused on hands-on STEM (Science, Technology, Engineering, Math) experience.

With the help of the staff at The Works, Dr. Joe Reczek, an Associate Pro Professor of Chemistry and Biochemistry at Denison University organized the annual, industry issue contest, featuring problem-solving challenges. Students 7-12 grade pick a challenge and present their findings to a panel of judges. Winners receive an award and potential internships.

Margo, Rebekah and Dani all had a paid internship, supported by a grant from The Camille & Henry Dreyfus Foundation. Read more about their internship and STEMfest experiences.

MARGO

Ten years ago, Margo MacDonald’s brother was diagnosed with Lymphoma. It was at that point in her life she knew she wanted to study medicine.

Margo participated in the bio-diesel fuel challenge at STEMfest! her senior year of high school. Her team used a variety of organic fuel sources, like olive oil, soybean oil, and canola oil, to see which one created the most energy. Her team came in second place.

“STEMfest! is different than in-class experiences. It gives you the chance to observe other STEM related fields,” said Margo.

Margo’s internship involved understanding liquid crystal properties of lab-manufactured, organic materials. It wasn’t just a resume-booster, but an experience that fueled her passion for a research career.

Margo is now a University of Pennsylvania Sophomore in biochemistry and biophysics. She is a research assistant at the Hospital of the University of Pennsylvania analyzing manufacturing data from a variety of cancer immunotherapy clinical trials.

Margo will graduate with a Master’s Degree and double major and hopes to pursue a career in oncology research.

REBEKAH

For the last five years, Rebekah Abel participated in the Brain Bee, a Neuro-Science competition at Denison University.

Rebekah was home schooled, and her parents looked for unique ways to introduce STEM curriculum. In high school, she participated in many STEM competitions including RoboFest, the Brain Bee and STEMfest!

Rebekah and her younger brother participated in the polymer re-purposing challenge at STEMfest! Together they converted plastic water bottles into a pontoon boat. Using the bottles for the hull, straws and a plastic bag for the sail, and a blow dryer as their wind source, they set sail and took home first place!

Rebekah also earned a summer internship designing ways to test organic molecules as semi-conductors.

Rebekah studies International Security Intelligence, Psychology and Russian at The Ohio State University and hopes it lands her a job in Customs or Homeland Security.

DANI

After graduation, Dani Huffman didn’t spend her summer poolside. She was in a lab shadowing a chemist who creates new molecules, isolating them and making them pure.

While participating in the Global Scholars Program in high school, Dani traveled to China and Costa Rica. Both trips were opportunities to learn more about the economy of a foreign country and to observe their environment. It was on the Costa Rica trip Dani heard primatologist Jane Goodall and environmental activist Severn Cullis-Suzuki speak. What she heard reinforced her interest in environmental science, and helped her to declare this field as her college major.

As a high school senior Dani also participated in STEMfest! Her team tested available dyes to determine which one captures sunlight the best in a homemade solar cell.

This summer, Dani also spent five weeks at Denison University finding ways to purify and isolate products to a new reaction. Working side-by-side with a female chemist as a mentor will help Dani make an informed decision about her future.

Dani will study Environmental Science and play field hockey at Kenyon College in the Fall.

State Farm is a proud supporter of STEM education in Newark, Ohio by funding STEMfest!, and Kids Tech University through The Works - Center for History, Art and Technology.

WANT TO KNOW MORE ABOUT STEM?

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.