FINANCING FUNERALS According to Lincoln Heritage Funeral Advantage, the average funeral costs between $7,000 and $10,000. It can be easy to overlook planning for such a large expense, and many people may think their funeral costs will be covered by their life insurance policies. However, that isn’t always the case and certain complications can arise. The funeral planning information guide Funeral Basics states that sometimes insurance policies become invalid if payments have not been made. Policies may have liens on them, or some named beneficiaries may no longer be alive. This can stall the process as issues are worked through. In addition, it can sometimes take between six and eight weeks for beneficiaries to receive life insurance policy payouts. Since many funerals take place within a week of a person’s death, it’s unlikely that surviving family members will be able to finance funerals with life insurance payouts. In addition, some policies may not be assignable, which means the benefits cannot be assigned to go to a third party who will file the claim for you (i.e., the funeral home or an assignment company with which the funeral home partners). It’s important to determine if an existing policy is assignable and to take appropriate measures if it is not. Individuals may want to consider burial insurance or preneed funeral insurance. Another option is to use preplanning services, which allow people to prepay for funeral expenses and make planning decisions regarding the services and burial so that family members will not be tasked with financing and/or planning a funeral during a difficult time in their lives.
events. Betty loved to meet with the ladies to play Scrabble. Betty was an active member of the First Congregational Church of Orange City. There, she loved singing in the choir, working in the church’s thrift shop, and serving in several other church capacities.
Betty Jane Ruch Lindemuth June 12, 2021 Betty Jane Ruch Lindemuth, 96, of DeLand/ Orange City, Florida and Scottsville, New York passed away peacefully at home on Saturday, June 12, 2021.
Betty and Walt moved to Woodland Towers in DeLand, Florida in August 2017.
Betty was born in Rochester, New York on April 23, 1925, the daughter of William and Florence (Williams) Ruch. Betty grew up in Churchville, NY and graduated from high school in 1943. Following graduation from high school, Betty attended The School of Nursing of The Rochester General Hospital in Rochester, NY. There, she graduated in 1946 from their 3-year Registered Nurse program. Following graduation from The School of Nursing, Betty first worked in the Newborn and Preemie Nurseries at Rochester General Hospital, which was her love. She soon met her husband, Walter (Walt) and they were married in Churchville, NY on June 5, 1948. Betty’s nursing career included working in a pediatrician’s office, the Newborn Nursery at St. Mary’s Hospital, and the Children’s Convalescent Hospital, all in Rochester, NY. Betty and Walt eventually ended up in Scottsville, NY, where they lived for 28 years and raised their two daughters. Betty’s nursing career continued in Scottsville where she worked in a General Practice M.D.’s office and eventually as a School Nurse at Churchville-Chili School, Sr. High and Kindergarten in Churchville, NY. Betty’s last work prior to retirement was at Cooper Vision in Scottsville, NY where she worked in the soft contact lens department.
Over her life, Betty enjoyed ballroom and square dancing, particularly with friends in the British American Club. She enjoyed traveling with Walt, which included several Caribbean cruises, traveling to visit family in NY and CA, and to Walt’s annual reunions of the 490th Bomb Group, which took them to various locations across the United States. Betty loved family, including her sons-in-law and their families. Betty especially loved animals, particularly cats. Betty was proud to have participated in The Nurses’ Health Study, Harvard Medical School and Brigham and Women’s Hospital for 45 years. All of Betty’s life, she was a kind, generous, sweet soul. Surviving are two daughters, Donna (Pat) Gilligan of Encinitas, CA and Janice Putnam of Naples, NY. Betty is also survived by a brother, Donald (Marilyn) Ruch of Jamestown, CA. Betty was preceded in death by Walter, her husband of 72 years, and her parents. The family would like to thank Woodland Towers and Vitas Hospice Care for the exceptional care that has been provided, most notably since Walt’s passing last July and at the end of Betty’s life. There were some incredibly special people at both Woodland Towers and Vitas Hospice Care that cared for and loved Betty. We know Betty loved them too. Unfortunately, no service is planned at this time.
In Scottsville, Betty was active and over many years volunteered to work at the American Red Cross Blood Drives. Betty was a long-time member of the Union Presbyterian Church and participated in and enjoyed many church groups and activities. Betty, along with Walt, enjoyed long-time friendships through being members of the British American Club. They attended many British American Club dinner dances over the years as well as travels to Toronto with members of the club. Betty and Walt loved loved spending time with Scottsville friends and enjoyed dining out. Retirement brought Betty and Walt to Orange City, Florida in 1986. There, Betty was active in their retirement community get-togethers at the Club House and volunteered for numerous committees to help plan GENESEE VALLEY PENNY SAVER
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To share a memory or a condolence, please visit: https://www.dignitymemorial.com/obituaries/ orange-city-fl/betty-lindemuth-10236738 If donations are considered, Betty would be pleased to have them made to: Journey’s End Animal Sanctuary, 1899 Mercers Fernery Rd., DeLand, FL 32720, The American Red Cross or First Congregational Church of Orange City, 201 W University Ave, Orange City, FL 32763
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