Loretta L. "Toddy" Simmons, age 78 of Montpelier, Ohio, passed away on  Saturday, August 13, 2022 at Evergreen Manor in Montpelier, Ohio. She was born on September 14, 1943 to the late Earl and Loretta (Williams) Howe in San Diego, California. In November, 1969 she married James B. Simmons, who preceded her in death. Toddy was a member of Defiance Christian Church. She loved her career as a nurse and worked for several years at Defiance Clinic and Defiance Hospital. In her leisure time she enjoyed ceramics, and arts and crafts. Toddy was a loving and caring wife, mother and grandmother, and she treasured her time spent with her family. Toddy is survived by her son, Kent (Gina) Simmons of Madison, AL, her daughter, Sherrie (Bill) Shock of Montpelier, OH, three grandchildren; Amanda Culli, Courtney Sherrow and Troy Simmons, and six great-grandchildren. She also leaves behind her brothers, Dan (Annie) Howe of Walbridge, OH, and Jim (Shelia) Howe of Belleville, MI, and her sister, Gail (Jim) Swartz of Northwood, OH. She was preceded in death by her parents, and her husband, James Simmons. Visitation will be held from 12:30 to 1:30 pm on Saturday, August 20, 2022 at Schaffer Funeral Home South, Lawson/Roessner Chapel (1753 S. Clinton St.) in Defiance. A funeral service will follow at 1:30 pm at the funeral home, with Pastor Mike Hasselbring officiating. Burial will take place at Riverside Cemetery. Memorials are suggested to Schaffer Funeral Home.