Planned Giving

To people looking toward the futureYour gifts make a difference in the lives of the patients who benefit from the services we support at SSM Health Hospice & Home Health Foundation. Some people choose to make gifts outright. Others prefer to explore longer-term, planned giving. We offer various options for planned giving, whether it's a bequest or a charitable trust. Consider the options below and, if you would like more information, please contact Foundation Director Laura Morris at Laura_Morris@ssmhc.com or call 314-989-2545 Call: 314-989-2545.

Memorial Giving
Many families ask that in lieu of flowers, memorial donations be made to SSM Health Hospice & Home Health Foundation. The family of the honored person will receive notification of the gift, but never the gift amount. To establish a permanent memorial fund, see Loving Tribute Fund.

Loving Tribute Funds
A permanent memorial fund in your loved one's name truly creates a lasting tribute. You can raise donations through estate/yard sales, events or gifts to honor a loved one's anniversaries and birthdays.

Bequests
A will or living trust gives you the opportunity to provide a continuing legacy to both individuals and charities. A gift to SSM Health Hospice & Home Health Foundation will assist us in offering security for future patients while providing your estate with a complete charitable deduction.

Retirement Plans
Naming SSM Health Hospice & Home Health Foundation as a beneficiary of your IRA or other retirement plan is one of the most tax effective gifts you can make. The distribution to our foundation not only passes free of federal estate and state inheritance taxes (where applicable), it also avoids the deferred income tax that would have been owed by individuals. Further, individuals who are over 70-1/2 can make direct distributions from IRAs in 2010 without declaring that distribution as income. In fact, the charitable gift will satisfy your required minimum distribution.

Life Insurance Gifts
A small investment now can yield exceptional benefits later. When SSM Health Hospice and Home Health Foundation is named as both the owner and beneficiary of the policy, your future premium payments are tax deductible.

Charitable Trusts
Charitable remainder trusts can provide lifelong income to individuals while supporting SSM Health Hospice & Home Health Foundation programs in the future. Charitable lead trusts operate in the opposite manner: The Foundation benefits for a number of years with the remainder passing to your heirs. Tax and other benefits are available in both of these vehicles.

Real Estate with Retained Life Estate
Through this remarkable instrument, you deed your home to the Foundation and reserve for yourself the right to live in the house for the remainder of your life (or lives). During your lifetime, you treat the home exactly as you do now (paying taxes, insurance and other expenses) and receive a charitable deduction for your home’s “remainder value.” The value of your home is not included in your subsequent estate for tax purposes and the property passes completely free of probate and other estate complications.

Thank you for considering SSM Health Hospice & Home Health Foundation for your planned giving!