Tipton Magazine August 2023

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Remember

REST ASSURED

When William B. Young became Tipton’s first undertaker in the 1850s, coffins were only available on an as-needed basis. When a family had a death, they would bring the deceased’s measurements to Young and he would build the coffin. As was typical of the time, constructing coffins was an aside to his main business of making cabinets and other household furniture. The practice of woodworkers as undertakers continued when Phillip E. Nichols joined the business in the 1890s.

In later years, family and members of the community would gather in a place outside the home to mourn a loved one. In 1935 an Indiana law was passed requiring that embalming be done in a dedicated facility.

The basic area of Young-Nichols Funeral Home was once a house purchased by a second-generation member of the Nichols family.

Young-Nichols Funeral Home kept up with changing times and today’s families have several options. Decisions can be made well ahead of when the need arises for implementation. Loved one’s wishes can be carried out without speculation as to what an individual would have wanted.

“As a funeral home that has served this area for over 170 years, we have seen many changes in the funeral industry and consumer wants and needs,” says Robert L. “Bob” Nichols, who represents the fourth

generation of the family business along with his brother, Brad. “Many children today find themselves living far away from home so travel requirements are different than they were years ago.”

“When we think of a funeral for a loved one who has just passed away, we are full of emotion,” Nichols says. “Sometimes we feel rushed into making service decisions due to time constraints. Preplanning your funeral helps in many ways. You have time to think about your choices. Your spouse, children or other family members don’t have to guess what you would want done.”

In recent years, there has been a large shift from traditional burials to cremation.

YOUNG-NICHOLS FUNERAL HOME MAKES THE PROCESS EASY

Writer / Julie Yates Photography Provided

Nichols shares that the national average of people cremated in the United States is 60%, and in Indiana the rate is closer to 50%. However, even if a person wishes to be cremated, there is still the option of a traditional service with burial, and then the scattering of the ashes after cremation.

“There are several parts of a funeral that need to be considered,” Nichols says. “Traditional burial means buying a casket and vault. Do I want visitation for just my family, or for the public too?  Do I have visitation and the funeral at a funeral home or at my church? All these choices have costs associated with them.”

Our family has been serving your families since Phillip E. Nichols started working for William & Seneca Young back in the 1890’s. As fourth generation licensed funeral directors with a combined 75 years experience, Bob & Brad Nichols have the background and knowledge to help you through some of the hardest times

been serving your families since Phillip E. Nichols William & Seneca Young back in the 1890’s. licensed funeral directors with a combined 75 Bob & Brad Nichols have the background and help you through some of the hardest times will face – the loss of a loved one.

Funeral Home – Experience when it counts.

Young-Nichols

Experience when it counts.

“There are many benefits of preplanning and prepaying a funeral,”

Nichols adds. “Your family knows your wishes, and you can decide where you want to be buried and what casket you want. Your obituary will include the things you think are most important. Paying now for funeral expenses assures you that you will not be a financial burden to your family, plus prepaying guarantees delivery of the items you choose. Buying a monument now gives you the ability to make sure it is done right, before you die.”

For anyone considering preplanning, Young-Nichols Funeral Home is glad to answer questions. Give them a call at 765-675-4780 or send an email to info@ youngnichols.com. People can also stop by during normal business hours at the 216 West Jefferson Street location in Tipton. The professional and caring staff welcome today’s questions so families are prepared for the needs of the future. Also visit youngnichols.com.

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s Funeral Home Serving Tipton County Since 1852

EXPERIENCE

Our family has been serving your families since Phillip E. Nichols started working for William & Seneca Young back in the 1890’s. As fourth generation licensed funeral directors with a combined 75 years experience, Bob & Brad Nichols have the background and knowledge to help you through some of the hardest times you will face – the loss of a loved one.

Our family has been serving your families since Phillip E. Nichols started working for William & Seneca Young back in the 1890’s. As fourth generation licensed funeral directors with a combined 75 years experience, Bob & Brad Nichols have the background and knowledge to help you through some of the hardest times you will face – the loss of a loved one.

Young-Nichols Funeral Home – Experience when it counts.

Young-Nichols Funeral Home – Experience when it counts.

Young-Nichols Funeral Home Serving Tipton County Since 1852

Young-Nichols Funeral Home Serving Tipton County Since 1852

EXPERIENCE

EXPERIENCE

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family has been serving your families since Phillip E. Nichols working for William & Seneca Young back in the 1890’s. generation licensed funeral directors with a combined 75 experience, Bob & Brad Nichols have the background and knowledge to help you through some of the hardest times you will face – the loss of a loved one.

years experience, Bob & Brad Nichols have the background and knowledge to help you through some of the hardest times the loss of a loved one.

Our family has been serving your families since Phillip E. Nichols started working for William & Seneca Young back in the 1890’s. As fourth generation licensed funeral directors with a combined 75 years experience, Bob & Brad Nichols have the background and knowledge to help you through some of the hardest times the loss of a loved one.

Our family has been serving your families since Phillip E. Nichols started working for William & Seneca Young back in the 1890’s. As fourth generation licensed funeral directors with a combined 75 years experience, Bob & Brad Nichols have the background and knowledge to help you through some of the hardest times the loss of a loved one.

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Young-Nichols Funeral Home

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Funeral Home Serving Tipton Coun

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PREPLANNING OPTIONS

TRADITIONAL FUNERAL

Embalming, viewing, and funeral: $3,000 to $5000 and up. Casket: $1,000 to $25,000. Vault: $1,000 to $12,000.

CREMATION

With or without embalming, viewing and funeral: $2,000 to $5,000. Urn: $50 to several hundred.

CEMETERY NEEDS

Burial or mausoleum: $300 to $2,000 and up.

Opening and closing gravesite: $650 to $2000.

Opening and closing cremation grave: $250 to $1000.

Opening and closing mausoleum crypt: $5000 to $20,000.

MONUMENTS AND MARKERS

Costs vary widely, depending on size and style.

OTHER COSTS

Newspaper fee for obituary, flowers, certified copies of death certificate, minister, catering, travel and hotel.

C.W. Mount Community Center and Banquet

THE A B C’S… AND D OF MEDICARE

Written by Julie Corcoran

Ask a senior what’s important to them, and somewhere at the top of their list is having reliable and affordable health coverage. They may be facing worsening health issues, visits to specialists and increased medications. This can add up to considerable expenses, and usually at a time when they are on a fixed income or wondering if their retirement savings will last. Most seniors understand that turning 65 equates to eligibility for Medicare, and as their 65th birthday approaches, they experience a constant barrage of Medicare mail, commercials and phone calls that leave them with a sense of urgency, but also with a great deal of confusion on how to make sense of it all.

At its core, Medicare was designed to help seniors access medical care while also helping to control their costs. It covers individuals aged 65 and over, individuals under 65 with certain disabilities, and individuals of all ages with end-stage renal disease. If you are confused about how Medicare works, you are not alone. Figuring out when to enroll in Medicare and which parts to enroll in can be intimidating for even the savviest retirees - but there is help.

First you need to understand the ABCs - and Ds - of Medicare. Think of these as building blocks of Medicare. At the foundation is original Medicare, which consists of Parts A and B.

PART

A

HELPS PAY FOR HOSPITAL STAYS AND INPATIENT CARE.

PART B

HELPS PAY FOR DOCTOR VISITS AND OUTPATIENT CARE.

SUPPLEMENT (MEDIGAP): Helps fill in the costs not covered by Parts A and B.

Neither Part A or Part B cover prescription drugs. That’s where Part D comes in.

PART D

HELPS COVER PRESCRIPTION DRUGS.

Another option is Part C, commonly known as Medicare Advantage Plans. These plans are offered by private insurers and cover all the services of Medicare Parts A and B, but many also include prescription drugs and some limited dental, vision and hearing services.

PART C

HELPS COVER SERVICES OF MEDICARE PARTS A AND B (YOU MUST STILL BE ENROLLED IN PART A AND PAY FOR PART B). FOR MANY, A PART C OR MEDICARE ADVANTAGE PLAN RESEMBLES GROUP COVERAGE SIMILAR TO WHAT THEY MAY HAVE EXPERIENCED DURING THEIR WORKING YEARS.

It’s certainly not an easy program to understand, but even in its complexity, Medicare successfully serves the needs of more than 60 million people, and that number is growing. The trick is understanding how to customize the program so that it fits your needs. At the heart of the Medicare challenge is understanding that Medicare is tailored to an individual. What may be the right coverage for your friend or family member may not be the right coverage for you. To help you make that determination, there are a few things to keep in mind.

ASSESS YOUR MEDICAL NEEDS. Think about your medical needs, the number of doctors you see and the medications you take. Are you relatively healthy, or do you have a chronic illness that has you visiting several specialists each year and undergoing multiple tests and procedures on a regular basis? Do you spend several weeks or months in another state? Your answers can help evaluate which Medicare options will service your needs.

KEEP AN EYE ON THE CALENDAR.

Timing of Medicare enrollment is crucial. The enrollment window generally opens three months before the month of your 65th birthday and closes seven months later. There are exceptions to enrolling when you are 65, especially if you plan to keep working and have credible group coverage, but if you don’t understand this exception, missing the enrollment window can be costly. There is also an Annual Enrollment Period from October 15 to December 7, when Medicare recipients can make changes to their Medicare coverage that are effective for the coming January. In addition, you may switch Medicare coverage at any time due to special circumstances (such as moving to a different service area, receiving Medicaid assistance or loss of retiree health coverage).

UNDERSTAND THE COSTS. Medicare is not free, and recipients should expect to pay a monthly premium, deductibles and copays depending on the parts of Medicare selected. As mentioned above, even though Part A is free to most, the cost for Part B premiums is tied to taxable income. The higher your modified adjusted gross income, the higher your Part B premium. The same goes for your Part D premium.

BE WARY OF UNSOLICITED PHONE CALLS.

Unsolicited calls may result in your enrollment into a Medicare plan that you did not intend. Be careful when talking with a caller. If you did not ask them to contact you, you should end the call. Just as you would not give out your Social Security number, do not give out your Medicare number.

WORK WITH AN EXPERIENCED MEDICARE AGENT.

Working with a trusted and knowledgeable agent can save you time and money. A good agent listens to what is important to you, educates you on your options, and helps you select a plan that fits your needs. They can also help customize your options as your medical needs and financial resources change in the years ahead.

One such local agency is Easy Street Insurance. Specializing in Medicare for more than 25 years, their agents help you customize a Medicare plan that suits your needs. Meeting with their agents comes at no cost or pressure to you. In the process, you will gain an advocate that can partner with you in the years ahead, and help you navigate the ever-changing Medicare system.

For more on Easy Street Insurance, call 317-882-9602 or visit easystreetins.com.

765.675.4746

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