Make A Planned Gift

Making a bequest through your will or estate plan can support our hospitals and programs for many years to come. Your contribution may consist of real estate, a predetermined dollar amount, or a percentage of your estate.

Will or Trust

This is created through your estate plan, such as a will or living trust

  • Your Benefits: Simple, flexible, takes donated assets out of your taxable estate
  • How to make the gift: Name SSM Health Foundation – St. Louis in your will or revocable trust (you can designate a specific dollar amount, a percentage, or a share of the residue)

IRA Charitable Rollover

Are you 70 ½ or older? If so, this charitable giving option allows you to deduct up to $100,000 per year from your IRA directly to a qualified charity such as the SSM Health Foundation – St. Louis, without having to pay income taxes on the money

  • Your Benefits: You pay no income taxes on the gift. The transfer generates neither taxable income nor a tax deduction, so you benefit even if you do not itemize your deductions. If you reached the age of 70½ before the end of the calendar year, you can use your gift to satisfy all or part of your required minimum distribution for the year. If you turn 70½ on or after January 1, you can use your gift to satisfy all or part of your required minimum distribution starting at the age of 72. (Note: The RMD requirement has been waived for 2020, per the CARES Act signed into law on March 27, 2020.) Since the gift doesn’t count as income, it can reduce your annual income level. This may help lower your Medicare premiums and decrease the amount of Social Security that is subject to tax.
  • How to make the gift: Ask your IRA administrator about making a direct transfer to the SSM Health Foundation – St. Louis or have the administrator send a check from your account (to be tax free, the donation must go directly from your IRA account to our Foundation without passing through your hands).

Life Insurance

Make a large gift with little cost to yourself

  • Your Benefits: Income tax deduction for gift of policy and any premium payments you continue to pay
  • How to make the gift: Establish SSM Health Foundation as an owner of a policy as well as a beneficiary

Beneficiary Designation

Pass down your retirement, insurance policy, or other various accounts by assigning SSM Health Foundation as a beneficiary

  • Your Benefits: Gift through one of the most highly taxed assets, which leaves more for your family and lets you maintain control of your assets throughout your lifetime
  • How to make the gift: You can fill out a beneficiary form for your insurance policy, retirement, or bank accounts

Real Estate

Make a gift of an asset no longer needed and generate an income tax deduction

  • Your Benefits: Income tax deduction and a reduction or elimination of capital gains tax
  • How to make the gift: Simply donate the property to SSM Health Foundation – St. Louis and generate an income tax deduction

Life Estate

Give your personal residence, vacation home, or farm now, but retain the right to live or work there during your lifetime

  • Your Benefits: Receive current charitable tax deduction with future benefits to your taxable estate and lifetime use of residence
  • How to make the gift: Deed the ownership of your home to the Foundation, but retain occupancy in the residence if desired

Charitable Remainder Trust

Donate assets to a charitable trust that provides an ongoing stream of income with a percentage that pays directly to you

  • Your Benefits: Variable income for life and charitable tax deduction. Can also be funded with appreciated securities to reduce capital gains liability
  • How to make the gift: Create a trust that pays a fixed percentage of trust’s assets as revalued annually

Charitable Gift Annuity

Agreement in which assets are transferred to SSM Health Foundation – St. Louis in exchange for payments directly to you for your lifetime

  • Your Benefits: Fixed Payments for life and an income tax deduction. Annuity payments may also be partially tax-free and reduce capital gains liability
  • How to make the gift: Make a gift of cash or securities to benefit SSM Health Foundation – St. Louis in exchange for fixed payments for your lifetime

Charitable Lead Trust

A trust that pays you a fixed or variable income for a specific term of years; thereafter, the balance is given to loved ones

  • Your Benefits: Reduces your taxable estate and property/balance is eventually given back to the family
  • How to make the gift: Create a charitable trust that pays a fixed or variable income to SSM Health Foundation – St. Louis for a set amount of years. At the completion of the term, the balance will be given to loved ones

Other Ways to Give

Cash

Make a quick and easy gift

  • Your Benefits: Simple, tax-deductible, witness the impact of your generosity
  • How to make the gift: Simply write a check to SSM Health Foundation – St. Louis

Securities

Securities may include publicly traded stocks, bonds, and mutual funds. You can make a larger gift now with little or no effect on cash flow

  • Your Benefits: Avoid capital gains tax, tax-deductible
  • How to make the gift: Contribute long-term appreciated stock or other securities

We strive to provide compassionate and exceptional care to our patients and their families.

“Being a part of SSM is personal. The care and compassion they provided to my family was really helpful during a time I needed it most.”
– Greg Hesser, Chairman SSM Health Foundation – St. Louis Board of Trustees
“SSM really listens to us. Because their mission is grounded in the same mission that I think the core values are of a loving family. Their mission is that the patient’s comfort and healing come first.”
– Sue Schaeffer, Grateful Patient Family
“Everyone did really well as a team in my stay of the labor and delivery. And my babies are cared for very well in the NICU. I would recommend this hospital to anyone in the world. Thank you for a great and comfortable stay and for always caring for my needs.”
– Grateful Patient
“It was a scary moment, but they were there with us…not only to take care of my wife, but also – all of us family members. With certain protocols in place, I didn’t think my wife would be here. I hate to imagine if she would have been hospitalized somewhere else.”
– Husband of Grateful Patient
“The people of SSM Health made me feel like I was going to survive when I didn’t believe it myself. I really believe they are the reason I am here today. SSM is my guardian angel.”
– Gary Foree, Cancer Survivor and SSM Health Cancer Care Volunteer Advocate
“SSM Health care workers often see their work as a calling rather than just a profession. I am glad that they feel called, because otherwise they wouldn’t be able to do everything they need to do to support these patients…it has been all hands-on deck, and they have really risen to the challenge and done so cheerfully because they do think it is a calling. They’re the ones in the room where difficult conversations are held. And sometimes they’re the ones holding the hands of patients as they’re passing into the next world.”
– Tina Garrison, SSM Health St. Clare Hospital President
“To show our appreciation for the exceptional care and compassion I received from the nurses, doctors, and staff at SSM Health we have chosen to make a gift in their honor through our Honor Your Caregiver program. I hope you, too, will join me in showing your appreciation for the phenomenal care you received.”
– Josh Terrio, Grateful Patient

“My care at SSM Health Rehabilitation was beyond medical. From start to finish, the therapists paid attention to all of my needs and cared for me as if I were a family member. They restored my strength and my mobility — things I need in my chosen profession as a golf pro. I’m grateful for them, and it’s an experience that I will never forget.”

– Jay Delsing, PGA Tour Professional & Grateful Patient

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