See below for info on planned giving and In Memoriam donations, Life Insurance, Bequests by will, RRSP / RRIF, Gifts in Kind, Securities

Become a member and support the Social Justice Committee’s innovative human rights education and advocacy

The SJC is a non-profit organization that relies on donations from people like you who believe in the power of education as a tool for change. 

 members who want to join us in our mission to provide Canadians with the knowledge and the tools to create a more just world.

Our members keep the computers humming, the office buzzing and the doors wide open to volunteers and

Being a member of the SJC means:

Supporting our campaigns for human rights and justice 
 
Providing financial support
 
Making our work known to others

SJC Members:

Receive updates on projects and events                                                                         
 
Are invited to participate in all SJC activities
 
Are invited to subscribe to the Upstream Journal, our magazine on human rights and global economic justice, for the super-low price of only $12 a year
 
Can vote on SJC policy issues and for the election of our Board of Directors at the Annual General Meeting 
 

You can support the Social Justice Committee:

By making a donation online through the CanadaHelps.org. The secure site issues tax receipts immediately and makes supporting the SJC simple (Click on that blue "Donate Now!" image to get started...) 

By calling the SJC office to make a donation by credit card (Tel: 1-514-933-6797, Toll-free: 1-877-933-6797).
 
By sending a cheque. These can be sent to:
1857 Maisonneuve Ouest
Montreal QC H3h 1J9
Canada 

Monthly donations - Become a Sustaining Donor

Sustaining donors allow the SJC to charge a small amount to their Visa card once a month. These ongoing donations provide the SJC with a secure source of income that allows us to plan effective, long-term projects. Sustaining donors also benefit from donating smaller, less noticeable amounts over a longer period of time.

See below for info on planned giving and In Memoriam donations

Life Insurance
Bequests by will
RRSP / RRIF
Gifts in Kind
Securities

Life Insurance

Normally, life insurance is thought of as a way to safeguard the financial security of your family. It can be a very effective investment and is often purchased as part of a tax advantaged retirement strategy. But life insurance can also be an economical way to create a large and lasting charitable gift.

There are three principle ways of giving the proceeds of a life insurance policy to the Social Justice Committee of Montreal, as follows:

Name the Social Justice Committee of Montreal as a beneficiary.

A charity can be named as a beneficiary simply by contacting your life insurance provider and requesting the change be made to the policy. There is no immediate tax benefit to the donor in this instance, as the gift is revocable should circumstances force the donor choose to later change the beneficiary again. However, a tax benefit would be provided to the estate on the final tax return.

1. Give an existing policy itself. The ownership of either an existing or a new policy can be transferred to the Social Justice Committee of Montreal.
2. Take out a new policy and immediately transfer ownership.

Benefit to the Donor

1. Immediate donation receipt equal to value when donated
    - Annual donation receipt for premiums paid by donor
    - Can be a large donation for lesser cost
   
   
2. Donation receipt for capital amount in year of death
    - Ordinarily a donation receipt for a substantial amount
    - Receipt can be used in year of death and previous year for tax credit purposes
    - Donor has control of the policy
   

Benefit to the Social Justice Committee

1. Access to any cash value
    - Capital on death of insured
    - Social Justice Committee has control of the policy
    - Substantial gift amount at death of donor
   
   
2. Capital on death of insured
    - Substantial gift amount at death of donor
   

Bequests by will

After remembering and taking care of all those you care about most, please consider us in your will as well. Making a bequest to the Social Justice Committee of Montreal is a simple yet tremendously effective way to aid the struggle for positive economic and social change.

If you would like to bequest a gift to the Social Justice Committee, there are three principle mechanisms, as follows:

1. a specific bequest names a specific item (or asset value) to be given to the Social Justice Committee of Montreal
2. a percentage bequest designates what percentage of an asset (or estate) is to be given to the Social Justice Committee of Montreal as a beneficiary;
3. a residual bequest leaves all or a portion of what is left in the estate after the specific and percentage bequests have been distributed and after all fees and taxes on the estate have been paid. (Remembering us as the last beneficiary.)

Contact your lawyer or notary for more information.  Please note that it is best to identify the organization by its full legal name  - "The Social Justice Committee of Montreal."

It is not necessary to notify the Social Justice Committee that you have included a bequest in your will. However, if we are aware of your plans, we welcome the opportunity to thank you for your future gift, and to keep you informed of our current work.

Benefit to the Donor

1. Immediate donation receipt equal to value when donated
    - Annual donation receipt for premiums paid by donor
    - Can be a large donation for lesser cost
   
   
2. Donation receipt for capital amount in year of death
    - Ordinarily a donation receipt for a substantial amount
    - Receipt can be used in year of death and previous year for tax credit purpose
   

Benefit to the Social Justice Committee

1. Access to any cash value
    - Capital on death of insured
    - Social Justice Committee has control of the policy
    - Substantial gift amount at death of donor
   
   
2. Capital on death of insured
    - Substantial gift amount at death of donor
   

RRSP / RRIF

Part or all of a RRSP or RRIF – balance could be left to the Social Justice Committee as beneficiary or by one’s will.  Could be done during a donor’s lifetime in whole or in part.
   
Benefit to Donor

 - Donation receipt to offset tax on distribution of funds
 - Control of assets until the donation is made

Benefit to the Social Justice Committee

 - Access to funds on death of donor
 - Possible receipt of funds prior to donor’s death

Gifts In Kind

An immediate gift of real estate, investments, etc.

Benefit to Donor

 - Immediate donation receipt
 - Receipt for full market value of asset (There could be a capital gain subject to tax)

Benefit to the Social Justice Committee

 - Asset can be retained or sold to generate funds
 - Asset / funds assist current needs

Securities (stocks, equities, deeds…)

There are no longer any capital gains tax payable on donations of publicly traded securities made on or after May 2, 2006.  Donors should consult with their professional advisors with respect to authoritative advice on potential tax savings for gifts of securities.

This is an excellent gifting mechanism that may multiply the benefits to you and to the Social Justice Committee.

THE RULES ALLOW YOU TO:

 - realize significant profits from the appreciated securities you wish to donate
 - pay no income tax on the gains realized
 - make a generous gift to the Social Justice Committee
 - make use of the excess tax credit generated from this gift to reduce other tax liability

TO QUALIFY FOR THIS SPECIAL TAX TREATMENT

The Securities Must:

1. Be publicly traded securities which include:
    - Stocks or shares listed on an approved stock exchange
    - Units or shares in a Mutual Fund
    - Units of a segregated fund trust from an insurance policy
   
2. Have appreciated in value
3. Be donated in kind to a charity or public foundation
    - Not sold by donor
    - Ownership transferred directly to the Social Justice Committee
   

In Memoriam Donations

Have you recently lost a loved one?  If you know that the deceased person was a member of the Social Justice Committee or held strong beliefs about creating a more just world, then you can make a donation in their memory to the SJC.

This can be a way to keep the person’s memory alive while contributing to global social and economic justice, and the protection of social, economic and cultural rights on behalf of, and with, the poor of the Third World.

Additional Information

Desjardins
Desjardins Financial Security
Desjardins Securities

Royal Bank
Financial Planning, Estate Planning, Retirement

Bank of Montreal
Estate Planning

Scotia Bank
Estate and Trust Services

TD
Estate Planning and Your Will

Canada Revenue Agency

Legacy Quebec