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Charitable Gift Annuity

A Charitable Gift Annuity (CGA) with Doctors Without Borders gives you or a loved one a guaranteed lifetime income stream and, as part of your legacy, helps us ensure our ability to respond to the challenges we will face in the future.

Are you under 65 and thinking about your income needs during retirement? You might want to consider a Deferred Gift Annuities plan.

What is a Charitable Gift Annuity?

A Charitable Gift Annuity is one of the most popular ways to make a planned gift because it allows you to help us meet future needs while supplementing your income. A CGA is a contract by which you transfer cash or securities (such as stocks or bonds) to MSF in exchange for scheduled lifetime payments and tax deductions. Please refer to our CGA Policy for additional information on the types of gift accepted by MSF.

Sudan 2004 © Francesco Zizola

What are the benefits of a CGA with MSF?

Fixed payments for the rest of your life, a portion of which are tax-free
An immediate income tax charitable deduction for a portion of your gift
Capital gains tax savings if appreciated securities are donated
The satisfaction of providing long-term support for MSF
The opportunity to help a loved one as well as yourself
Membership in our Legacy Society

How does it work?

A minimum donation of $5,000 is given to MSF in the form of cash or securities. In return, MSF will pay one or two individuals of your choosing an annuity every year (monthly, quarterly, semi-annually or annually) for life. The minimum age for an immediate CGA is 65.
You will be eligible for an immediate tax deduction for the portion of the donation that is considered a charitable gift. Subsequent annuity payments are partially tax-free during the annuitant's life expectancy. Capital gain taxes are deferred should you choose to donate appreciated securities.
Upon the gift's maturity, MSF will benefit by retaining the remaining portion of your initial gift.

Sample Uniform Gift Annuity Single-Life Rates

Age	Rate
65	5.3
70	5.7
75	6.3
80	7.1
85	8.1
90	9.5

What annuity rate am I eligible for?

MSF applies the rates set according to the American Council on Gift Annuities. The table to the right shows sample rates effective as of February 1, 2009. For specific gift annuity information relating to your annuity, please contact Beth Golden at (212) 655-3771 or plannedgiving@newyork.msf.org.

I am thinking about my income needs in retirement:

MSF also offers Deferred Gift Annuities. This plan allows you to make a current gift while payments are deferred to a future date, at least one year after the initial gift. The minimum age on the date payments begin is the same as for immediate gift annuities. The rate and amount of the annuity being deferred would be calculated at the time the gift is made so you can accurately plan for your cash needs.

"A Charitable Gift Annuity enables seniors like me to make meaningful gifts to organizations, while increasing our income. It is one of the best bargains available. One of the organizations I choose to support this way is Doctors Without Borders. It has an outstanding reputation, and carries on its work under very difficult conditions. It gives me great satisfaction to know that any donation I make will go where there is much need for it."

-Dora Wiebenson, Charitable Gift Annuity Donor

This information is not intended as legal advice. Rules or limitations may apply with respect to your tax treatment depending upon your specific circumstances. Please consult your tax-advisor.

This site is maintained by the U.S. section of Doctors Without Borders/Médecins Sans Frontières (MSF), an international independent medical humanitarian organization that delivers emergency aid to people affected by armed conflict, epidemics, natural and man-made disasters, and exclusion from health care. © 2009 MSF All rights reserved.