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COVID-19 (Coronavirus) Update: Testing and Information | Vaccine Updates | Visitor Guidelines

Provide Support with a Qualified Charitable Distribution (QCD) from Your IRA

A Smart Option for Donors 73 and Older

For donors aged 73 or older, a Qualified Charitable Distribution (QCD) from an IRA is an excellent way to support Froedtert Hospital and Medical College of Wisconsin while providing potential tax savings. Often called an “IRA Charitable Rollover,” a QCD allows you to make a significant impact with your charitable giving, especially if you are required to take a Required Minimum Distribution (RMD) from your IRA each year.

Why QCDs Are Ideal for Donors 73 and Older

When you reach age 73, the IRS requires you to start taking Required Minimum Distributions (RMDs) from your IRA. These distributions are taxable income to you. However, a QCD offers a unique opportunity to fulfill this requirement without increasing your taxable income. By giving directly from your IRA to Froedtert Hospital and Medical College of Wisconsin, you can satisfy your RMD while making a meaningful contribution to our mission—tax-free.

How You Benefit from a QCD

  • Avoid Additional Taxable Income: Unlike regular IRA withdrawals, which are taxable, a QCD allows you to avoid income tax on your gift. This is especially valuable if you are looking to reduce your tax burden in retirement.
  • Satisfy Your Required Minimum Distribution (RMD): A QCD counts toward your annual RMD, making it a smart choice if you are 73 or older and want to meet IRS requirements while supporting a cause you care about.
  • No Need to Itemize: Even if you do not itemize deductions on your tax return, you can still take full advantage of a QCD’s tax benefits.
  • Direct Your Gift’s Impact: You may choose to designate your QCD to a specific program or area within Froedtert Hospital and Medical College of Wisconsin that matters most to you, allowing you to make a focused and immediate impact.

QCD Eligibility and Limits

  • Age: You must be 70½ or older.
  • Traditional IRA or Inherited IRA: With rare exceptions, you must make your QCD gift from a traditional IRA or inherited IRA.
  • Annual Limit: For 2025, your QCD gifts are capped at $108,000. This cap applies only to QCD gifts. It does not affect other charitable contributions you might make.

How to Make a QCD to Froedtert Hospital and Medical College of Wisconsin

  1. Contact Your IRA Administrator: Request a Qualified Charitable Distribution directly to Froedtert Hospital and Medical College of Wisconsin. This ensures that your distribution is sent tax-free to us.
  2. Notify Froedtert Hospital and Medical College of Wisconsin: Let us know about your QCD so we can follow up with your administrator if needed and thank you for your generosity.

Consult with Your Advisors

Before initiating a QCD, we recommend speaking with your financial or tax advisor to ensure that this giving option aligns with your financial goals. By taking advantage of the QCD option, you’re not only supporting a mission close to your heart but also maximizing the tax benefits available to you in retirement.

Thank you for considering a generous gift to help sustain Froedtert Hospital and Medical College of Wisconsin.

What to Expect for Clinic Visits

We understand that visiting any health care facility during this time may cause some concern. That is why we want to assure you of the safe, expert care you will receive. Here is what you can expect when you visit one of our locations.

1. Scheduling Your Appointment

Safety precautions begin before your visit. When scheduling, our team will screen for signs and symptoms of COVID-19 and may offer a virtual visit instead or as part of your follow-up care. If an in-person visit best meets your needs, we will help you prepare for your visit and what to expect when you arrive.

How to Prepare for Your Visit

  • Please wear a face covering over your mouth and nose when entering our facilities and during your visit. If you do not have a face covering, we will provide one.
  • Limit the number of people who come with you. For clinic visits, our visitor policy generally allows one visitor or support person per patient. Anyone accompanying you must wear a face covering at all times and be symptom-free.

2. When You Arrive

Our staff will welcome you at your designated entrance or check-in desk. To ensure the safety of everyone, you and anyone accompanying you should:

  • Let us know if you are ill or if you are currently experiencing any of these symptoms: Fever, body aches, headache, cough, sore throat, runny or stuffy nose, nausea, vomiting, diarrhea, fatigue, new loss of taste or smell, shortness of breath or difficulty breathing.
  • Sanitize your hands.
  • Wear your face covering over your mouth and nose. Ask for a face mask, if you do not already have one.
  • Allow extra time for a health screening when you arrive. At our hospitals, we will take your temperature and ask additional screening questions at each entrance.

3. During Your Visit

Please wear your face covering over your mouth and nose at all times and maintain a safe six-foot distance from others to the greatest extent possible. You may notice extensive safety precautions in waiting areas and other public spaces, including:

  • Hand sanitizer stations
  • Furniture rearranged or removed to promote social distancing
  • Floor markers to guide you in maintaining a safe, six-foot distance from others
  • Safety messages posted as a reminder to all
  • Magazines, coat racks, beverage stations and other commonly shared items removed
  • Enhanced cleaning practices, including frequent disinfecting of high-touch surfaces such as elevator buttons, vending machines and door handles

4. When You Meet With Your Care Team

You can expect thoughtful, expert care in a safe environment.

  • To keep everyone safe, our staff and providers are required to get vaccinated unless they qualify for a medical or religious exemption.
  • You and your care team will stay masked whenever possible. Patients may be instructed to take off face coverings, if needed to provide care.
  • Your care team will wear personal protective equipment.
  • Our providers and staff are screened for signs and symptoms of COVID-19 prior to reporting to work to confirm they are well.
  • Examination and procedure rooms are thoroughly cleaned and disinfected between every patient using stringent guidelines.
  • Froedtert Pharmacy offers many ways to stay safe while getting your prescriptions, including free home delivery, drive-thru and curbside pickup.