to handle billing, administration and payment through Medicaid or private pay to compensate the caregiver. Some insurance plans also cover varying levels of self-directed personal care. There are two exceptions to who can be a caregiver in this model: Parents can't be paid as caregivers for their children, and spouses can't be compensated for caring for their partner. "This type of system makes it possible for someone who has to take time off of work to care for a loved one, or chooses to stay at home, to be able to still receive some amount of pay," Kannegiesser said. Self-directed personal care and respite care are both viable, helpful avenues for doing something many people are already needing to do across the state, she said: Caring for their family and trying to do what is best for them as they age. Information about Consumer Direct can be found online at www.consumerdirectmt.com.
Act Now to Keep Death with Dignity Legal in Montana! The Supreme Court’s 2009 Baxter decision made Montana one of the few states to allow aid in dying. Now, some groups won’t stop until they take that right away from us.
You can help.
Sign and return this petition today to protect your right to a peaceful death.
compassion & choices montana
Support. Educate. Advocate. Choice & Care at the End of Life.
I support the Baxter decision! Name Address Phone Email Want to learn more or volunteer? Scan this code with your smart phone or call Amy at 406-552-2916 www.compassionandchoices.org/montana Send your completed petition to: Compassion & Choices Montana, PO Box 1348, Helena MT 59624
Imagine: 7.2% income for life. Yes, it’s true! Depending on your age, the American Heart Association Charitable Gift Annuity will pay you from 5.6% to 11.5%.
Yes! Please send me your free brochure. Yes! I am interested in the following illustration: One-life Two-life Amount : $25,000 $10,000 $5,000
Here’s how it works. Mr. Jones, age 82, gives the American Heart Association $10,000 to fund a Charitable Gift Annuity. In return, the American Heart Association agrees to pay him $720 per year (7.2%) for his lifetime.
(Other) $ If funded with appreciated securities, the approximate cost basis is: $___________________
More good news. Because of his gift, approximately 88% of his yearly income ($560) is considered tax-free income. Also, he receives an immediate charitable tax deduction for $4,977 (approximately 49% of the gift). The best part, however is knowing that this gift helps those with heart disease through lifesaving research.
1st Person Name _____________________________________ Birthdate or age___________________ (Required for illustration) 2nd Person Name ____________________________________ Birthdate or age___________________ (Required for illustration) Address____________________________________________ City_____________State__________ZIP__________________
For a brochure about gift annuities and a confidential, non-obligatory illustration on how this gift can benefit you, fill out and mail this form to the American Heart Association shown in the bottom right corner or by calling toll-free at 1-866-762-0441.
)______________________________________
E-mail_____________________________________________ clip out & mail in
Note: We urge you to consult with a qualified advisor before making a final decision regarding any planned gift for the American Heart Association.
Phone (
This is not an insurance product. Illustrations are based upon the January 2003 IRS Discount Rate of 4.2%. Returns are based on rates suggested by the American Council on Gift Annuities. Payments are backed 100% by the American Heart Association’s own assets. Fill out and mail this form to:
Mel Feeley, American Heart Association, 3578 Hartsel Dr., Unit E, #319, Colorado Springs, CO 80920 December 2013
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