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Covenant Health is an innovative, Catholic regional delivery network and a leader in values based, not-for-profit health and elder care. We sponsor hospitals, nursing homes, assisted living residences and other health and elder care organizations throughout New England.

Planned Giving

Discover the benefits of giving wisely

Did you know there are creative ways to support St. Joe’s? Ways in which the hospital, you and your loved ones all benefit at the same time? Such giving techniques are called "planned gifts," because with thoughtful planning, you create win-win solutions for you, your family, and the hospital.

Giving opportunities throughout St. Joseph Hospital can meet the needs and desires of all donors who wish to support our work.  Planned Giving offers outstanding tax benefits to you, the donor, while providing important long-term support to St. Joseph Hospital and its programs.

Talk to your financial advisor or contact Deborah Tighe, Executive Director of Philanthropy at (603) 884.4343 or email Deb at

Charitable Gift Annuities

For the first time in more than six years, the American Council on Gift Annuities has increased its suggested rates. St. Joseph Hospital is now offering these new, higher rates!

Chritable Gift Annuity image and quoteHere’s an example of a CGA: 75-year-old couple John and Sue would like to diversify their estate plan, as well as give back to their community. They establish a $100,000 charitable gift annuity to St. Joseph Hospital. At a rate of 5.5%, they are guaranteed a $5,500 payment each year, for the remainder of their lives. After John and Sue both pass away the remaining amount will be used to support the vital work of St. Joseph Hospital.

The typical charitable gift annuity donor:                

Is Age 65+

Would like additional income

Likes the idea of a fixed lifetime payment

Has assets that generate little income, such as interest or dividends

Has assets with a low tax cost basis



One Beneficiary (Age) Old Rate New Rate Two Beneficiaries (Ages) Old Rate New Rate
65 4.7% 5.1% 65, 60 4.0% 4.3%
70 5.1% 5.6% 70, 65 4.4% 4.7%
75 5.8% 6.2% 75, 70 4.8% 5.2%
80 6.8% 7.3% 80, 75 5.3% 5.7%


Want to learn more about CGAs?

Please contact the St. Joseph Hospital Foundation Office at 603.595.3104 or email:

Planned Giving: The Basics

A Will

At your death, a will serves as a road map telling your personal representative how to distribute your assets to other people or to a charity.  Without a will, you are powerless over how your assets are distributed.  Instead, the laws of the state where your residence is, the state in which you spend most of your time, register to vote and hold your driver's license, determines how assets are divided.

Power of Attorney

A general power of attorney permits the holder of the power to act on behalf of another individual-the grantor-and lapses upon the grantor's incompetence.  A durable power of attorney survives the incompetence of the grantor and allows the holder of the power to act.  This document can be used when a grantor lapses from competence to incompetence for periods of time.

Revocable Living Trust

A revocable intervivos or "living" trust is an important part of the estate plan of many people.  Intervivos means "during life," which is when the trust is established.  Revocable means that the creator, also known as the grantor, of the trust can change the terms of the trust or revoke it completely during his or her lifetime.  Assets in trust are not part of your will; they are transferred according to the instructions in the trust document.

Living Will or Health Care Proxy

By creating a living will, you can articulate your beliefs on life-sustaining measures.  With a health care proxy, you can name a trusted individual to make health care decisions if you are unable to do so.  The health care proxy is used only for medical purposes.  Like a living will, the health care proxy states when life-support equipment should be disconnected and medical efforts should cease.

Why Should I Make a Planned Gift?

Many people want to make charitable gifts but need to do so in a way that helps meet their other personal, family, or financial needs. Planned gifts give you options for making your charitable gifts in ways that may allow to:

• Make a larger charitable gift than you thought possible
• Increase your current income
• Plan for the financial needs of a spouse or loved one
• Provide inheritances for your heirs at a reduced cost
• Reduce your income tax and/or avoid capital gains tax
• Diversify your investment portfolio
• Receive income from your personal residence
• Plan for the transfer of your business
• Leave a charitable legacy for future generations

The St. Joseph Hospital Foundation does not provide legal or tax advice. We recommend that you seek your own legal and tax advice in connection with gift and planning matters.

Please Tell Us Your Plans

If you have already provided for a planned gift for St. Joseph Hospital, or if you are contemplating such a gift - you can contact us by phone at (603) 884.4343 weekdays; you can also connect with us via email, or download a form you can fill out, print and mail back to us.

St. Joseph Hospital
Foundation Department
172 Kinsley Street
Nashua, NH 03061


St. Joseph The Worker Legacy Society

When you put St. Joseph Hospital in your estate plans, you immediately become a member of the St. Joseph The Worker Legacy Society. Your commitment and faith in St. Joe’s is greatly appreciated and we will do our best to steward your gift intentions.

You can receive tax benefits and even generate extra income for the rest of your life by making a planned gift to St. Joseph Hospital in your will, trust, pooled life income fund, life insurance policy, charitable gift annuity or retirement fund.

Our planned giving society is named in honor of the Patron Saint of the hospital, St. Joseph The Worker. We invite you to build your legacy to help us provide compassionate care for the physical, emotional and spiritual well-being of your community of patients, family and friends.