On Tuesday, December 3rd, Covia Resident Service Coordinators Sara Choi and Chan Park were honored by the County of Los Angeles for their work in promoting and supporting falls prevention in Los Angeles County.
Choi, a Lead Resident Service Coordinator and Wellness Coordinator at Vista Towers in Los Angeles, and Park, a Resident Service Coordinator at Long Beach Lutheran Tower, were nominated by the Los Angeles Falls Prevention Coalition, an organization dedicated to reducing fall risk for older adults through education, advocacy, planning, and community action across Los Angeles County.
This year, Choi translated fall prevention training materials into Korean as well as developing informational flyers. And Park completed his training to become a Matter of Balance Facilitator, allowing him to teach the program to Korean-speaking residents at Pilgrim Towers in Los Angeles.
Covia’s Resident Service Coordinators encourage one another to get more involved in fall prevention programs as part of their role in ensuring residents remain independent and safe in their homes as long as possible. Katherine Smith, Senior Director of Social Services, first introduced Choi to the Coalition by inviting her to attend a meeting, and she’s been involved ever since. And in her turn, Choi invited Park to be trained as a Matter of Balance Facilitator.
“Falls are not part of the aging process,” says Park. Instead, people “need to be educated, take preventive measures and initiate intervention actions!” The Matter of Balance class helps seniors prevent falls before they happen, promoting a better quality of life. Through Choi and Park, Korean-speaking seniors can now participate in the program in their first language.
This recognition from Los Angeles is simply motivation to keep going, Choi and Park explain. “Being recognized was important to me because it opened another door for me as a Coalition member and as an RSC to rethink more ways to prevent falls,” says Choi. Park says, “I look forward to teaching Matter of Balance to many more Korean speaking residents next year!”
When Webster House resident Chet Frankenfield was growing up on the East Coast, he never dreamed that he would travel to Antarctica. His adventure started in 1956 when he was attending Officer Candidate School in Newport, Rhode Island and his commanding officer asked him if he would be interested in studying Aerology at the Postgraduate School in Monterey California. “All I heard was Monterey,” Frankenfield says; he didn’t even know what aerology was, but he jumped at the chance to go to California. He learned later that “it’s the Navy term for Meteorology” and when he got to Monterey he would be trained as a flight forecaster.
After he completed his yearlong training, Frankenfield moved back to the East Coast, where he was stationed in Patuxent River, Maryland. After a year in Maryland, a call went out for the next season in Antarctica. Frankenfield’s interest in Antarctica had been growing ever since he learned about the International Geophysical Year. As he notes, “it was one of the last places left on Earth that was not totally destroyed by tourists and was unexplored” and so he jumped at the chance.
The International Geophysical Year was a year and a half long worldwide study of the Earth that took place from July 1957 to December 1958. Most nations participated, building stations around the world, including in Antarctica. As Frankenfield notes, “this was the first time that they really included and had an extensive study of Antarctica,” including the effects of the massive ice cap on the rest of the world. His interest in Antarctica paid off and he was selected for the next season.
In Antarctica, Frankenfield had the opportunity to put his training to practical use, forecasting for flights between Christchurch, New Zealand and McMurdo station. Flight forecasting in Antarctica consisted of informing pilots of weather conditions, including wind speed and visibility, and telling them to turn back if conditions worsened. During the summer months, forecasts were also made for the helicopters and ski-equipped aircraft ferrying scientists, support personnel and supplies to research sites and outlying Antarctic stations.
After the runway, built on a frozen section of ice on McMurdo Sound, melted in early February, flights were discontinued. By mid-March, the last ship with the last of the summer personnel left; and the remaining 120 men began their seven months of isolation. Four of the months were in darkness, and the only personal communication with the rest of the world was by ham-radio.
Frankenfield maintained the McMurdo weather station 24 hours a day. He and his four-man wintering-over crew took weather readings and sent up weather balloons, which was quite an undertaking as it included blowing up the large balloon and tracking it so they could take hourly upper atmospheric readings.
He and his men decided on a strict twelve hours on, thirty-six hours off schedule, which Frankenfield says his men were not happy about at first but really appreciated by the end of the winter. Where other crews, such as some of the construction personnel who were tasked with rebuilding the runway come summer, had little to do over the winter, Frankenfield’s team’s steady schedule kept their minds working steadily with no time for boredom to set in.
Frankenfield worked the normal ten-hour seven day a week schedule. When he wasn’t working, he stayed busy by taking up a number of different hobbies from reading and playing chess to teaching math and learning oil painting. He even completed some, as he puts it, “fairly decent penguin pictures” though he gave them away to his fellow officers who wanted them for their kids.
McMurdo Station was only one mile from the abandoned hut of Robert Falcon Scott, the first British explorer to reach the pole, so Frankenfield explored the debris around the structure as the hut itself was filled with snow. He would look for any items from Scott’s stay and on one excursion, Frankenfield found two salt jars, which he kept as a souvenir for his sister. Years later when he visited the Canterbury Museum in Christchurch with his wife, he was surprised to find some of his salt jars on display.
But that wasn’t the biggest surprise from Frankenfield’s trip to Antarctica. About ten years ago, when he got a new iPad and tried Googling himself, he was surprised to learn that a glacier had been named after him without his knowledge. He wrote to the US Geological Survey and they confirmed that it was true, the Frankenfield Glacier was indeed named after him.
After his year in Antarctica and a short stint in New Zealand, Frankenfield had spent time aboard an icebreaker that was trying to penetrate the Bellingshausen Sea to reach a point of land that no ship had ever previously reached. Though the ship abandoned its goal when they received a distress signal from a Danish ship, they got close enough that Frankenfield and a couple of the crew were able to fly in and land. They set up a tiny weather station, which would inspire the Advisory Committee on Antarctic Names to name the glacier after him.
After returning from Antarctica, Frankenfield got a job in computer programming. He was just out of the military and had no experience in the computer industry but during his interview at a company in Sunnyvale, he noticed a book about Antarctic explorer Ernest Shackleton on his interviewer’s desk. “We sat there and talked about Antarctica for an hour,” Frankenfield says “and I left and I knew I had the job.” He pursued work in computers for the next thirty years until he retired in the 1990s.
The biggest lesson that Frankenfield took away from his time in Antarctica was how to live with himself and to keep himself entertained. He was told by a psychiatrist during a pre-expedition interview that he was “going to be bored as hell” and so he became determined to keep busy. Along with the hobbies that he took up over the year, he learned how to be comfortable with himself and to be content in any setting. It’s a skill that he holds onto to this day along with all of the memories of his year in Antarctica.
The Thanksgiving season at Covia is a time for great food, from the Support Services Nuthin’ But Sides potluck to the annual Thanksgiving meals put on by communities and Senior Resources. Two of these Thanksgiving meals, the Senior Resources San Francisco Thanksgiving dinner and the Annual Oak Center Towers’ Thanksgiving Luncheon, give a great peek into what it’s like to celebrate the holiday season at Covia.
SF Senior Resources:
On November 20th, Senior Resources San Francisco hosted its fifth annual Thanksgiving dinner – part of its monthly Senior Lunch program, usually held on the fourth Wednesday of the month in the Parish Hall of St. Cyprian’s Episcopal Church. With a jazz trio playing in the background, nearly 75 seniors gathered at long tables for a traditional Thanksgiving meal of turkey, stuffing, mashed potatoes, cranberry sauce, green beans, and pumpkin pie for dessert.
Sandra, who is a regular at the senior lunch, says the service she receives is what makes this meal special. “All those other places you have to stand in line, out in the cold,” she says. After having wrist surgery, she finds carrying trays difficult. “Here, you’re indoors, you’re sitting at a table like we are, there’s nice music playing in the background, and you just sit and they serve you, instead of you carrying a big heavy tray.”
Vivian, who has been attending for the past three years, had a different experience: “At first I had trouble because I’m used to potlucks with my friends, so I wanted to help. I realized I’m supposed to sit down, so that was the hardest part.”
Amy Brokering, Director of Senior Resources in San Francisco, says that the service was a deliberate choice when the program was first started six years ago to make it feel more special for those who gather. Since its inception, the lunch has grown from fewer than 20 seniors to, at its largest, around 80 participants – with volunteers, close to 100 people. “It’s a community,” she says. “They support each other.”
Volunteer Pam agrees. As she serves in her fourth Thanksgiving for the program, she says, “The memories of all the differences we were able to produce is really beautiful. We have a core group of about five or six of us and we work really well together. We have a lot of joy in being here for these people and knowing it’s a community. It just makes us feel good.”
Three additional volunteers from Lindquist CPA joined the team to help serve the Thanksgiving meal. A vendor partner with Covia, Lindquist has been helping with the Thanksgiving senior lunch for the past three years. As a surprise at the end of the meal, the team from Lindquist presented Amy Brokering with a check for the Covia Foundation for $2,000 – the largest gift this program has received.
Oak Center Towers:
Also on November 20th, Oak Center Towers, a Covia Affordable community, hosted its 18th Annual Thanksgiving Lunch. Held in the Oak Center Towers multipurpose room, the lunch invites residents to enjoy a special holiday meal in their community.
“It’s a much loved and appreciated, long-standing tradition that residents seem to really look forward to,” says Aliona Gibson, who joined Covia this year as Activities Coordinator at Oak Center Towers. “There was buzz for weeks before the date.”
Over 100 Oak Center Towers residents and guests took part in the annual lunch, arriving early to socialize with their family and friends before the food was served. The room was a pleasant hubbub of conversation as the group shared time together along with the Thanksgiving meal.
The multipurpose room at Oak Center Towers was decorated for the occasion with fall colors, flowers, and even featured a display with the community’s initials spelled out using water bottles. A tree with residents’ thankful wishes fashioned out of paper leaves adorned one wall, a happy reminder of the nature of the season.
Oak Center Towers’ staff and volunteers from Covia Support Services worked together to plate and serve the meal, which included holiday staples like turkey, ham, mashed potatoes and gravy, mac and cheese and green beans as well as fried rice and steamed vegetables. For dessert, there was a choice of apple pie or ambrosia salad and each resident was able to toast the season with their own glass of sparkling cider.
“It was a pleasure and fun to work alongside the Covia family to create such a wonderful experience. I felt the love and genuine care, concern and effort put forth towards making the event memorable,” Gibson noted. “I could not have asked for a better inaugural Thanksgiving at OCT.”
Over the past year, residents at Oak Center Towers have been fostering their creativity through art classes and art programs. Aliona Gibson, Activities Coordinator at Oak Center Towers, has been introducing residents to a new art project every month in addition to supporting the community’s connection with the Art with Elders program.
Art with Elders at Oak Center Towers
Art with Elders provides weekly art classes led by professional art instructors to over 450 residents in communities around the Bay Area. Their classes focus on teaching art skills such as composition and color as well as fostering community. Participants are invited to submit their artwork for the annual exhibit that showcases their hard work to the public around the Bay Area.
This year, artwork created by residents at Oak Center Towers for the Art with Elders program is featured in the 27th Annual Art with Elders Exhibit, currently on display at the Gerald Simon Auditorium at Laguna Honda Hospital through November 18th. Aliona Gibson and Oak Center Towers residents attended the exhibit’s Opening Celebration on October 27th where, Gibson notes, residents were “very proud and excited about their work being on display.”
One resident’s art was even selected to be printed onto greeting cards that could be purchased at the event. Gibson purchased one of these cards, saying that “it was invaluable to me to have such a beautiful and professional reproduction of the resident’s work.”
Beyond their work at Oak Center Towers, Art with Elders also provides classes at Lytton Gardens in Palo Alto, and Executive Director Mark Campbell and Instructor-Exhibits Manager Darcie O’Brien spoke as part of Covia’s 2019 Creative Aging Symposium, which celebrates the importance of creativity in creating a sense of self and living with purpose. The Creative Aging Symposium will return on January 29th, 2020 to explore more aspects of creative aging featuring speakers with backgrounds in eco-friendly fashion, choreography, and medicine.
Monthly Art Projects
In addition to the Art with Elders program, Gibson has been introducing residents at Oak Center Towers to monthly art projects that allow them to try out different mediums and materials. Residents have created everything from tie-dye t-shirts and terrariums to painted flower pots and tissue flowers.
One popular event even had an edible component where residents created rainbow fruit skewers with strawberries, watermelon, cantaloupes, pineapple, green grapes, and blueberries. Gibson notes that the event was particularly popular because residents “got to take them home and some residents ate while creating.”
Beyond the monthly art projects, there is also a weekly coloring activity where a small group of residents gather to color with gel pens, markers, and colored pencils.
Oak Center Towers’ diverse population means that not all of the residents share the same language, which can make craft projects and teaching difficult. Gibson says, “There is usually one person who speaks English who will relay what I am saying but mostly they go by pictures. I always bring examples of the craft we are doing, sometimes a prototype and sometimes pictures from the internet.”
Between the monthly art projects, regular coloring group, and Art with Elders program, Oak Center Towers has created a number of beautiful pieces that have been displayed around the community on top of the art accepted into the Art with Elders’ exhibit.
The Art with Elders Annual Exhibit is open until November 18th at the Gerald Simon Auditorium at Laguna Honda Hospital. After November 18th, the exhibit will move to the Rincon Center in Downtown San Francisco through January 18th, 2020. Artwork from the Art with Elders exhibit is also available on their website.
*Image of Oak Center Towers group courtesy of Art with Elders
Twenty people from Covia attended the 2019 LeadingAge Annual Meeting and Expo, held October 27-30 in San Diego California. Representing Covia’s Communities, Affordable Housing, Community Services, Support Services, and Foundation, they were informed and inspired by lectures, sessions, exhibits, demonstrations, as well their colleagues from non-profit aging service providers from around the country.
In total, over 8,000 people attended the 2019 conference, which offered 179 educational programs as well as an exhibit hall showcasing products and services for seniors and senior living ranging from architects to in-home health care products to wellness programs and equipment.
Christina Spence, Executive Director of San Francisco Towers, was particularly impressed by keynote speakers Marcus Buckingham and Dan Heath. Speaking at the opening session, Buckingham addressed Nine Lies About Work, encouraging listeners to “replay what works” while on Tuesday, Heath emphasized creating “peak moments.” Spence was impressed by “the statistically-proven impact certain ‘peak’ moments such as first-day and transitions can have on residents and staff at our communities. This is a powerful opportunity for us to create great experiences!”
Both Lizette Suarez, Director of Well Connected Español, and Rod Moshiri, Executive Director of Webster House, each attending their first LeadingAge conference, learned something worthwhile in the sessions they attended. Suarez says she learned tips on bridging the generation gap while Moshiri got to explore the differences between operations for for-profit and non-profit senior living organizations. But you didn’t need to be a first-time attendee to learn something new. Mary McMullin, Chief Strategy and Advancement Officer, attending her 33rd LeadingAge conference, participated in a session that taught her about a better approach to risk management of resident agreements.
Covia also provided educational information for attendees. Amber Carroll, Director of Well Connected, and Katie Wade, Director of Social Call, presented a workshop on Building Connections, One Call at a Time, demonstrating how a gracious presence, creativity, and connection provide outcomes of health – and joy. As she experienced her first LeadingAge conference, Carroll reported, “I like the diversity of the educational sessions and find myself interested in other arenas of the senior living space.” Though she was presenting, she learned from those who attended the session as well. “LeadingAge is a different demographic from most of the aging conferences we attend. I’m always trying to understand how to break our cool community services into housing communities and got some good feedback from session attendees. Based on this, Well Connected has prioritized the strategy process around monetizing our programs in senior communities.”
Educational sessions were not the only benefit from attending the conference. Chris Dana, Covia’s VP of Information Technology, reports that “time spent with colleagues and vendors” was the best part of the event. With “a ton of new technology start-ups ‘invading’ senior living,” he expects that in future he will “spend more time on the expo floor and less time in the educational sessions.”
Covia also played a role in the social events around the meeting. As an experience sponsor for the annual LeadingAge Inclusion Reception, Covia co-hosted what LeadingAge described as “an unparalleled nightlight experience” at PARQ in the Gaslamp district. As the LeadingAge website explains, “This event pays tribute to those who have paved the way for diversity and inclusion in aging services and celebrates the work our members do every day providing high-quality supports and services for all.” Jessica McCracken, Director of Ruth’s Table, was one of the M.C.s of the Monday night event, which ran from 9:00 until midnight.
Mary Linde, Executive Director of St. Paul’s Towers, sums up the experience: “I’ve been attending LeadingAge conferences for over 20 years. My favorite part of the conference is always seeing old colleagues and making new connections. The classes are good, but the networking is the best. At this year’s conference I learned about new technology – an app to connect staff to their departments – that I thought may be useful to explore. I also was extremely proud to be part of Covia as a host of the LGBT Inclusion party…what an event, what a great company to bring people together like this. Such a celebration of life!”
Covia is proud to announce a brand-new Career Site for job seekers interested in learning more about Covia and joining our team. The site enables individuals to easily search for open positions within Covia while also obtaining a sneak peek into what makes Covia a Great Place to Work!
Over the past five months, Covia’s Human Resources team has partnered with Jobvite to create a new career website that more accurately reflects Covia’s mission, guiding principles, brand and culture. The redesigned site features testimonials from Covia team members and details of company benefits as well as graphic representations of its guiding principles.
“Our goal for this new web experience was to represent, in its truest form, what it’s like to work here at Covia” says Wendy Dugan, Human Resources Business Partner for Talent Acquisition. “We felt it was important to feature content accurately reflecting the day-to-day ‘feel’ of our organization through pictures and testimonials from our Covia team members at our communities. More than anything else, navigating the site had to be straight-forward and mobile optimized with a clean and user-friendly application process.”
The partnership with Jobvite also advances Covia’s commitment to integrating environmentally friendly practices in the workplace. Prab Brinton, Vice President of Human Resources, notes “Covia’s commitment to being Green is much more than a catchy slogan, it’s a belief woven into the fabric of our culture. ‘Being Green’ begins with our recruiting process.”
“Two years ago, our recruitment was paper-intensive, laborious and very slow. We were actually losing candidates because the process was so slow,” she adds. “With our commitment to ‘People not Paper’ and through our tremendous partnership with Jobvite, we’ve advanced our hiring process so that we’re able to actively connect with candidates in the way (and speed) they want – namely: email, text, and chat.”
In addition to the new Career Site, Covia was presented with the Constellation Award at September’s Recruiter Nation Live conference. The Constellation Award celebrates “outstanding achievement in hiring efficiency through collaboration, organization, and data analysis.” The honor was awarded to Covia’s Human Resources team to honor how Covia made use of the Jobvite tools to streamline the end-to-end hiring process.
“Finding talented people who are a solid fit for the organization is difficult enough in today’s market. We realized the advertisement and application process had to be clean and straightforward,” notes Dugan. “Now we have a tool enabling candidates, Covia hiring managers, and Human Resources to all communicate effectively while at the same time ensuring the hiring process remains on track.”
Please visit the new Career Site to learn more about Covia and our culture. We invite you to submit an application for a job that matches your interests and hope you will join the team.
As the situation in Sonoma County continues to develop, Covia is working with our communities Jennings Court and Spring Lake Village in Santa Rosa, with Friends House in Santa Rosa (with whom we have a management agreement), with our Community Services program participants throughout the county, and with our employees to ensure everyone’s safety.
Friday, November 1, 2019
We’re pleased that life is starting to return to normal in our communities. We continue to be grateful to the firefighters who are still working to contain the Kincade fire, which as of this writing is only 68% contained. And we offer comfort and condolences to all who have sustained losses or been traumatized during this past week.
All residents have returned to Jennings Court and were welcomed home with a communal meal of chili. Residents are continuing to return to Spring Lake Village and Friends House. Covia employees who evacuated are also returning to their homes. Welcome home, everyone!
Unless there are further developments, this will be the final update on this blog post.
Thursday, October 31, 2019
Containment of the Kincade fire is now at 60%. In Santa Rosa, all evacuation orders and warnings have been lifted.
Wednesday, October 30, 2019
Power has been restored to Spring Lake Village.
The Evacuation Order for Jennings Court has been downgraded to an Evacuation Warning. Residents are allowed to repopulate with advisement that a warning is still in place.
Power has been restored at Friends House.
Winds overnight were not as strong as predicted, which allowed firefighters to hold the line. Containment of the fire is now up to 30%, according to Cal Fire. Winds are projected to be calmer through today though a Red Flag warning is still active.
Friends House and Spring Lake Village continue to shelter in place, remaining on alert, though a mandatory evacuation is unlikely today. Power remains out at both locations.
Power has been restored to Jennings Court though the mandatory evacuation is still in place.
Tuesday, October 29, 2019
Friends House and Spring Lake Village continue to shelter in place. Although a mandatory evacuation is unlikely today, we remain on alert. Our main concern at this time is the air quality, and we continue to encourage our Independent Living residents to consider voluntary evacuation.
Representatives from PG&E contacted Spring Lake Village to report that they will not have power restored today because the community is too close to the fire zone to be able to inspect the lines before they would be required to turn off the power again. The community is receiving deliveries of food and fuel.
At Friends House, Executive Director Clara Allen reports that the County Ombudsman visited the campus on Monday to check on residents and provide support.
According to the report from Cal Fire updated at 7:30 this morning, “Favorable weather conditions will enhance firefighting efforts in the morning while narrow roads and steep terrain are still making access to the fire areas difficult. Weather predictions show Northeast wind gusts picking up this evening. Firefighters will continue to mitigate structure threats and find opportunities to construct more control lines.” We are hopeful that firefighters will be able to make further progress in containing the fire throughout the day.
Monday, October 28, 2019
There have been no new developments overnight. Spring Lake Village and Friends House remain in a state of watchful readiness. With almost no winds forecast for today, we are hopeful that firefighters will be able to make some progress in containing the Kincade fire today. We do not expect to see mandatory evacuations put in place today, but will be ready in case we receive the order.
Employees: please report to work at your usual time if you are able. If you have evacuated out of the area or are unable to report to work, please inform your supervisor and HR manager. Thank you!
Sunday, October 27, 2019
There is little new information to report.
The Executive Directors of Friends House and Spring Lake Village report that there has been no change. Covia has spent much of the day working to support the staff on-site, ensuring that Friends House and Spring Lake Village are fully prepared to evacuate, should a mandatory evacuation order be put in place. Winds in the region are blowing southwest and the fires does not appear to be getting any closer to the communities.
Friends House and Spring Lake Village have suggested voluntary evacuation to those residents who have a safe place to go. This allows residents time to relocate to a place of their choice with more time to prepare. It also allows the reduced number of staff to focus on helping residents at a higher level of care both in providing for their daily needs and in the case of a mandatory evacuation.
Jennings Court has been evacuated, although a few residents have refused to vacate the premises. The Santa Rosa Police Department has been informed of the residents who have chosen to remain on site.
Social Call Santa Rosa has ensured that its most vulnerable participants have been able to evacuate.
Employees should keep their supervisors and HR department informed about their availability.
Please stay safe!
As of now, Jennings Court is under an evacuation order. Sadie Bracy, Jennings Court’s Housing Administrator, is facilitating the evacuation and Karim Sultan, VP of Affordable Housing is providing support. All but a few Jennings residents have relocations sites they have individually chosen. Those who do not have another evacuation site are being provided with a place to stay in Oakland.
As of this writing, Friends House and Spring Lake Village are outside the mandatory evacuation order zone, but we are encouraging voluntary evacuations. Residents are asked to please inform their communities if they are evacuating, along with their new location and contact information. If you are a resident who has evacuated or are otherwise off-site and not informed your community of your location, please contact your community as soon as possible.
Social Call Sonoma County has reached out to participants to check on their safety.
Employees should report to Spring Lake Village or Friends House for their normal shift as they are able. If you are unable to report to work, please inform your HR department and supervisor as soon as possible. We are working to communicate with all staff today. Please follow any evacuation orders you receive.
We will provide further updates as the situation develops.
Happy National Estate Planning Awareness Week! Estate planning is an often overlooked but important part of maintaining financial wellness. The financial aspects of estate planning include assessing your personal situation, creating a will and possibly a trust, planning for disposition of accounts (like life insurance or retirement accounts), naming a power of attorney, gift planning, and much more. It’s important to regularly review your plan and keep it updated so that it relates to your current life situation.
In honor of this week, we’re sharing some gift giving tips from the Covia Foundation that directly relate to estate planning. Check out these tips, consult your advisors, and remember to regularly review your personal estate plan to make sure it is accurate and up to date.
Make a Gift Through Your Will
When people think about estate planning, writing a will is what often comes to mind. A will is an important tool to make sure your wishes are carried out after your death – including gifts to your favorite charitable organizations.
One of the most common gifts in a will is a gift of a specific dollar amount. Another common approach is to leave a percentage of the balance of your estate that is left after specific gifts are made to family members (this is generally called a residuary gift). Every gift, no matter how small or large, can make a difference.
A will can be easily amended with language (referred to as a codicil) to include a gift to a charitable organization.
Individual Retirement Account Gifts
If you leave your Individual Retirement Account to a child or loved one, you also leave them with the obligation to pay taxes on the money that is distributed from the IRA. You, too, must pay taxes on the money you are required to withdraw for your IRA each year—but recent tax policy changes mean you can make charitable gifts today with those funds and they won’t increase your taxable income.
Once you are over the age of 70.5, you are required to make minimum distributions from your IRA. Instead of taking the funds directly, you can direct your IRA trustee instead to make a payment to a charity (or charities) directly from your IRA account. These qualified charitable distributions (up to the $100,000 maximum per year) are not added to your gross income, so they are not taxable to you.
Even if you do not itemize deductions on your 1040 personal income tax return, you’ll come out ahead making charitable gifts this way. Just be sure you complete these qualified charitable donations from your IRA before the end of the calendar year.
You can leave a gift to charity from an IRA, 401(k), or other qualified retirement plan using a ‘beneficiary designation.’ Generally, you fill out a simple form with your plan administrator naming the charitable organization as a beneficiary of a death benefit payable under the retirement plan.
The designated portion will be paid directly to the organization, not to your estate, and is not designated by a will. Paying these benefits directly to charity means that neither the estate nor any beneficiary of the estate are subject to income tax attributable to the retirement plan.
Charitable Gift Annuity: The Gift that Gives Back
What if you want to make a charitable gift in your will but don’t know how much you might be able to commit? A Charitable Gift Annuity (CGA) can be a tax-smart way to benefit both you and your community. This gift plan allows you to make a charitable gift today that provides you with regular fixed income. After your death, this gift goes to the cause you care about. Because the payment rate is fixed based on your age, your income will never change and a portion of your payment could be tax free. (As an example, the rate for someone aged 81 is 7.5%)
A Charitable Gift Annuity offers other tax planning benefits. The gift annuity provides you an immediate income tax deduction in the year it is established and you can bypass capital gains tax if you fund the gift with appreciated stocks. Plus, you get the joy of planning your legacy today. With the Covia Foundation, you can choose to have your gift used where it is most needed, to support your retirement community, or to help a program you care about.
It is always best to consult with your legal, tax, and/or financial advisors before making any significant change to your will or estate plan. If you are interested in learning more about estate planning, have any questions, or are considering a gift to the Covia Foundation, please contact Katharine Miller, Covia Foundation Executive Director, at 925-956-7414 or firstname.lastname@example.org.
Founded on the mission of “increasing access to creative opportunities for older adults and adults with disabilities and providing an inclusive and welcoming environment for creative expression and cross generational dialogue,” Ruth’s Table, a Covia Community Service, has been serving the San Francisco community for 10 years—a milestone they will be celebrating on November 14th with their R10 birthday party.
An important part of Ruth’s Table’s work includes partnering with like-minded organizations to expand its creative offerings. A recent partnership with Reimagine has sparked new programming as well as three events open to the public this October.
Reimagine hosts Reimagine End of Life, a weeklong slate of events that discuss death and dying through the lens of art and creativity. Events include everything from art installations and theater pieces to creative workshops and talks. Reimagine’s goal is to make end of life discussions easier by transforming them into celebrations of life through the use of art and creativity. This year’s Reimagine SF includes over two hundred events taking place in San Francisco between October 24th and November 3rd.
Ruth’s Table partnered with Reimagine in 2018 to host Curious Maps of Impossible Places, a life mapping workshop. This year the partnership is expanding with three new events: On Passing On: Poetry to Ease the Final Passage, on Friday, October 25th, Mortality in Motion on Saturday, October 26th, and Spirit Boat: A Makers Event on Tuesday, October 29th.
As Jessica McCracken, Director of Ruth’s Table, notes “I think it is very important to normalize conversations around end of life issues. It’s a way of celebrating life really. When working with an older adult population we deal with end of life issues more often and I think it’s important as a community of caregivers to explore those issues. I also know that we are working with a population that has the perspective and wisdom to really lead the conversation. Creative programming creates an amazing platform to have meaningful conversations.”
Events for this year’s partnership center on exploring end of life through multiple art forms. On Passing On: Poetry to Ease the Final Passage introduces participants to jisei, Japanese death poems, and then invites participants to write their own poem. The event will feature poet Bob Holman, folklorist Steve Zeitlin, and President of the Nurse Practitioner Healthcare Foundation, Phyllis Zimmer.
Led by artist Jennifer Ewing, Spirit Boats: A Makers Event, explores boats as a symbol of passage, especially in conveyance beyond death, through the creation of spirit boats. Recycled materials, wood, paper, feathers, twine, wire, and more will be provided to participants.
Intergenerational movement company Dance Generators will lead Morality in Motion, exploring how an embodied experience of mortality illuminates its reality in a new way. Participants are encouraged to wear comfortable clothes as the event will move between doing and discussion.
Everyone is invited to attend any of the festival events, no previous art experience required. Residents of Bethany Center will participate alongside community members in these engaging creative sessions.
McCracken hopes that “attendees from the community have a positive experience coming into our creative space. When people visit Ruth’s Table they often don’t realize they are entering an older adult residential community. What they notice is the vibrancy, the bright colors, and how alive the space is. We want to create an environment where growing older is inspiring.”
To learn more about On Passing On, Spirit Boats, and Mortality in Motion visit the Ruth’s Table Facebook page. For more on Reimagine End of Life, visit the Reimagine website. For more on Ruth’s Table and its 10th anniversary celebration, visit the Ruth’s Table website at ruthstable.org.