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The Step Saver/ The Observer
Obituaries William A. Simone, owned Simone Hardware William A. Simone, 78, passed away Wednesday, Nov. 23, at Middlesex Hospital. He was the husband of Dorothy (Burdick) Simone. He was born in Southington on April 22, 1933, the son of the late Anthony and Mildred (Fusco) Simone. Prior to his retirement, he was a salesman for Tuxis-Ohr’s Oil Co. He, along with his brother Tom, ran Simone Hardware on Main Street until the fire that destroyed their business, previous to that he was involved with Simone Bros. Oil Co. He was a long time
resident of Southington and active in the community. He was a volunteer firefighter for Southington Simone for 37 years. He was a fire commissioner for the town of Southington for several terms. He was a member of the Knights of Columbus, the Elks Club and the UNICO Club of Southington. He coached midget football for a number of years. In addition to his wife,
he is survived by stepsons, Joe Wankerl King of Plantsville and Glenn Wankerl of New Britain; five children Joelle, Cody, Frank, Mina and Andrew; a brother Thomas Simone of Florida, two sisters, Rita Susco of Plainville and Jeannette Pepe of Westbrook; and many nieces and nephews. Private services were held. Memorial donations may be made to East Haddam Food Bank, P.O Box 572, Moodus, CT 06469 or East Haddam Volunteer Fire Dept. 440 Town St. Moodus, CT 06469.
Patricia (Coneita) Chapdelaine, 49, died at Bristol Hospital, Oct. 20. She was born in Bristol, March 7, 1962, to David and the late Doris (Doty) Coneita. She was known as Giggles and had a love for animals and her cats. She is survived by her husband of 20 years, Gary; a daughter, Toni Cunningham
of Brooklyn, N.Y., a son, J a m i e Coneita of Bristol; a s o n , Branden Coneita of Chapdelaine Las Vegas, Nev., who is currently serving in the military and his daughter Analiyah; a sister
Irene Collin retired from Holiday Inn Irene (St. Onge) Collin, 91, of Garland, Maine, widow of Marc E. Collin, died on Friday, Nov. 25 at Dexter Health Care Center, Dexter, Maine. Mrs. Collin was born in Edmunston, New Brunswick, Canada on Sept. 19, 1920 and was a daughter of the late Flornt and Mary Maude (Russell) St. Onge. A former longtime Plainville and Bristol resident, she worked at Stanley Tool in New Britain for 15 years and
the Holiday Inn in Plainville for 10 years before retiring. Before she moved to Maine in 2005, she was a member of the St. Ann Society of New Britain and St. Matthew Church, Forestville. She is survived by two sons, Raymond Collin of Hartford and Michael Collin of Bristol, Tenn.; two daughters, Theresa Belanger of Garland, Maine, and Doris Ann and Donald Ostgren of Plainfield; two grandsons, Wayne and Brian Belanger;
REDEEMER'S A M E ZION CHURCH 860-747-1808 110 WHITING STREET PLAINVILLE, CT 06062 NEW COVENANT APOSTOLIC CHURCH 860-747-3128 139 NEW BRITAIN AVENUE PLAINVILLE, CT 06062 FIRST BAPTIST CHURCH 860-747-1426 18 EAST MAIN STREET PLAINVILLE, CT 06062 FIRST BIBLE BAPTIST CHURCH 860-793-1155 12 GRANGER LANE PLAINVILLE, CT 06062 CHURCH OF THE BIBLE 860-747-1691 160 WEST MAIN STREET PLAINVILLE, CT 06062 pastor@cotb.org http://www.churchofthebible.org FAITH BIBLE CHURCH 860-747-5209 168 UNIONVILLE AVENUE PLAINVILLE, CT 06062
Should I do a pre-paid funeral?
Stephen Allaire Elder Security
A client’s son recently told me that he had a discussion with his mother on her wishes for a funeral. His mother was very explicit on her desires to keep costs down and told him nothing extravagant should be Lisa Coneita and her daugh- done. She finished by sayter, Nichole Seeley of ing, “And have it on a Waterbury; her parents, Sunday so it will be half David and Gail Coneita of price.” Now, I have no idea Bristol; her grandmother, if Sundays are half price Doris Ritocco of Bristol; and bargains or even if services several aunts, an uncle; and can be had, but in a somecousins. what amusing way his Since her passing, two mother was making clear lives have been saved her wishes. because her organs were One of the reasons to donated for transplant. do a prepaid funeral is that you can make the arrangements you want. Another advantage is that you and several nieces and remove that burden from nephews. your loved ones at a time A Mass of Christian when they are grieving. A Burial was celebrated on third reason is that you may Friday, Dec. 2 at St. Matthew be able to lock in prices, Church, 120 Church Ave., even if they increase in the Bristol. future. Also, the funds put Burial will follow in St. into a properly done pre Joseph Cemetery, Plainville. paid funeral are exempt Memorial donations from the Medicaid rules may be made to St. Anne should you or your spouse Church, c/o Our Lady of the require long-term care. Snows Parish Cluster, PO Finally, it gives you peace of Box 193, Dexter, ME 04930. mind that your affairs are in www.FunkFuneralHom order. e.com In Connecticut, you
Patricia Chapdelaine, born in Bristol
OUR LADY OF MERCY CHURCH 860-747-6825 19 SOUTH CANAL STREET PLAINVILLE, CT 06062 CONGREGATIONAL CHURCH 860-747-1901 130 WEST MAIN STREET PLAINVILLE, CT 06062 CONGREGATIONAL CHURCH OF PLAINVILLE, UCC, 130 WEST MAIN STREET PLAINVILLE, CT 06062 860-747-1901 The Rev. Dr. Claire W. Bamberg, LMFT. CONGREGATIONAL CHURCH OF PLAINVILLE THRIFT SHOP 860-747-2418 130 WEST MAIN STREET PLAINVILLE, CT 06062 CHURCH OF OUR SAVIOUR 860-747-3109 115 WEST MAIN STREET PLAINVILLE, CT 06062 GRACE LUTHERAN CHURCH 860-747-5191 222 FARMINGTON AVENUE PLAINVILLE, CT 06062
Friday, December 9, 2011
can buy an irrevocable contract for up to $5,400 to go toward the funeral. This includes costs such as picking up the body, embalming, viewing, funeral services, permits, etc. In addition, Connecticut allows purchase of burial space items, which are defined as items that go into the ground, such as a casket, a vault, or a headstone. In short, Connecticut allows you to fully prepay your funeral. Also, it will honor an outof-state contract, even if the rules are different. People often ask what would happen if the funeral home were to go out of business. That is a legitimate concern, and many funeral homes alleviate that concern by using the money you pay to buy a 100% paid up life insurance policy, which pays out for your funeral after you die, so the funeral home is not holding your money. There is one set of circumstances where it may make sense to wait to do a prepaid funeral, and that is related to Connecticut Medicaid (Title 19). The rule is that you must spend down your countable assets to one half, but not more than $109,560. That means if you have less than $219,120 when healthy, and buy prepaid funerals, you are reducing your start number, so the half you can keep is lower, and then you must reduce your assets to the lower amount. This will only be true if your total countable assets are less than $219,120, but it pays to check with someone who understands the rule. If a person does not
have a prepaid funeral contract, and that person goes on Title 19 before he dies, there may be no funds to pay for the funeral and the children then will have that expense. So the answer of whether or not to do a prepaid funeral is in most cases, yes. A popular misconception is that a life insurance policy will take care of the funeral. bBut people are often forced to cash in a life insurance policy, if the cash value puts them over the $1,600 limit for Title 19. Another problem can arise where extended family members disagree about the funeral arrangements. This is more likely to occur with second marriages. Connecticut has a law that permits you to do a predesignation of who you want to be in charge of your funeral, and specify exactly what you want. People mistakenly think the executor of their will has authority for the burial. But the deceased will be long gone and cold before the will is read, so the predesignation makes great sense if there is a chance of conflict. Either the funeral home or an attorney who deals with these issues are resources to guide you in these matters. Attorney Stephen O. Allaire is a partner in the law firm of Ruggiero, Ziogas, and Allaire, members of the National Academy of Elder Law Attorneys, Inc., with offices at 271 Farmington Avenue, Bristol, (860) 584-2384), or on the web at www.rzalawyers.com.
prayer on Wednesdays 7:00 pm PLAINVILLE UNITED METHODIST CHURCH 860-747-2328 56 RED STONE HILL PLAINVILLE, CT 06062 CHURCH OF OUR SAVIOR 860-747-3109 115 WEST MAIN STREET PLAINVILLE, CT 06062 Sunday, 10:30 a.m., Holy Eucharist, Sunday School. Fellowship follows. Wednesday, noon, Holy Eucharist CHURCH OF THE BIBLE 860-747-1691 160 WEST MAIN STREET PLAINVILLE, CT 06062 COBOffice@att.net http://www.churchofthebible.net CHURCH OF THE BIBLE DIAL A DEVOTION 860-747-8562 160 WEST MAIN STREET PLAINVILLE, CT 06062 NEW LIFE FELLOWSHIP 860-747-1166 ONE NORTHWEST DRIVE PLAINVILLE, CT 06062 newlifefelship@aol.com Services on Sundays 10:30 a.m. Bible study &
SEVENTH-DAY ADVENTIST CHURCH 860-747-5867 97 BROAD STREET PLAINVILLE, CT 06062. (860) 747-5867, PlainvilleSDA.org CONGREGATION KOL-AMI 1484 HIGHLAND AVE., CHESHIRE • (203) 2721006. Services Friday at 7:30 p.m., Saturday at 10 a.m. GISHREI SHALOM 37 MAIN ST., SOUTHINGTON - 276-9113 www.gsjc.org GRACE CONGREGATIONAL CHURCH 110 SOUTH RD., FARMINGTON. (860) 677-9338. Sunday, 10 a.m. Minister: Rev. Dr. Karen Roy. WORLD MIRACLE CENTER CHURCH Igleasia Centro de Milagro Mundial. Rev. Miguel Angel Nieves, 7 Race Ave., Plainville. (860) 777-8328. Services Sundays at 9 a.m. Servicio en Espanol-Domingos at 12 p.m