ADVANCE FOR USE SUNDAY, OCT. 28 - In this Oct. 16, 2018 photo, Cindy Loftin, right, coordinator of the Medicare and tax assistance programs at LIFE Senior Services in Tulsa, Okla., works with client Retta Grant, center, and volunteer Kathleen McWilliams. Loftin joined the agency after retiring from the telecommunications industry more than a decade ago. (Matt Barnard/Tulsa World via AP)