2025-09-19T00:17:03-05:00 2024-12-31 471019942 CREATIVE PLANNING TAX LLC 220 PARK AVE S ST CLOUD MN 56301 990 2024-01-01 020736402 CANCER LEGAL CARE CANC 6519179000 3503 HIGH POINT DR N 270 OAKDALE MN 55128 LINDY YOKANOVICH EXECUTIVE DIRECTOR 6519179000 2025-09-16 1 1 MARIE A PRIMUS CPA P01272184 3202517010 2025-09-16 2024 2025-03-06 01:10:19Z LINDY YOKANOVICH 3503 HIGH POINT DR N 270 OAKDALE MN 55128 893658 0 X WWW.CANCERLEGALCARE.ORG X 2004 MN TO ENGAGE THE LAW TO RESOLVE THE COMPLEX CHALLENGES FACING PEOPLE AND COMMUNITIES AFFECTED BY CANCER. 13 13 10 97 0 0 617944 848691 5350 40560 2653 4407 250 0 626197 893658 0 0 0 0 537139 627634 0 0 115427 153934 147369 691073 775003 -64876 118655 378860 464366 124399 93972 254461 370394 X CANCER LEGAL CARE'S MISSION IS TO ENGAGE THE LAW TO RESOLVE THE COMPLEX CHALLENGES FACING PEOPLE AND COMMUNITIES AFFECTED BY CANCER. SINCE BEGINNING TO PROVIDE SERVICES TO THE MINNESOTA CANCER COMMUNITY ON OCTOBER 1, 2007, CANCER LEGAL CARE'S VARIOUS PROGRAMS HAVE PROVIDED OVER $23 MILLION IN FREE LEGAL CARE INFORMATION AND/OR DIRECT SERVICES TO OVER 15,219 MINNESOTANS AFFECTED BY CANCER. OVER 6,806 MINNESOTANS HAVE RECEIVED DIRECT LEGAL CARE SERVICES FROM CLC STAFF AND VOLUNTEER ATTORNEYS AND 8,413 CANCER PATIENTS, SURVIVORS, CAREGIVERS, ATTORNEYS, AND HEALTH CARE PROVIDERS HAVE ATTENDED AND LEARNED FROM ONE OR MORE OF OUR 264 GROUP EDUCATION OR VIRTUAL INFORMATION PRESENTATIONS. 0 0 364534 40560 IN 2024, CLC'S LEGAL CARE PROGRAM (LCP), OUR LARGEST COMBINED PROGRAM, PROVIDED FREE LEGAL SERVICES TO A TOTAL OF 619 MINNESOTANS WHO HAD A COMBINED 848 DIFFERENT LEGAL MATTERS; MAINTAINING THE 20+% GROWTH IN CLIENTS SINCE 2023. THE BIGGEST AREAS OF NEEDED LEGAL CARE WERE SOCIAL SECURITY DISABILITY INSURANCE, ESTATE PLANNING, AND INSURANCE COVERAGE ISSUES. AS HAS BEEN THE TREND FOR THE LAST FEW YEARS, A GROWING NUMBER OF CLIENTS HAVE STAGE IV CANCER. IN 2015, 26% OF OUR CLIENTS WERE STAGE IV. IN 2024, 53% OF OUR CLIENTS WERE LIVING WITH STAGE IV CANCER. THE LCP IS DESIGNED TO HELP OUR CLIENTS MAINTAIN FINANCIAL SECURITY AND FAMILY STABILITY EFFECTIVELY AND EFFICIENTLY. THE FOLLOWING IS A BREAKDOWN OF CLIENT'S LEGAL NEEDS AND AREAS OF LEGAL CARE PROVIDED: 17% - INSURANCE COVERAGE (HEALTH INSURANCE, SHORT/LONG TERM DISABILITY)11% - HOUSING AND FINANCIAL (EVICTION, FORECLOSURE, CREDITOR ISSUES, BANKRUPTCY) 8% - EMPLOYMENT (ADA/MHRA DISCRIMINATION/REASONABLE ACCOMMODATION, FMLA) 21% - LEGAL PLANNING (HEALTH CARE DIRECTIVES, GUARDIANSHIP, WILLS, POWERS OF ATTORNEY) 33% - PUBLIC BENEFITS (SOCIAL SECURITY DISABILITY, MEDICAID) 10% - OTHER (IMMIGRATION, TAX, FAMILY).81% OF OUR CLIENTS NEEDED ADVICE OR INFORMATION ON A PARTICULAR LEGAL ISSUE OR POINT OF CONFUSION (WHY AM I NOT GETTING PAID FOR MY FMLA TIME OFF? CAN I BE FIRED BECAUSE OF MY CANCER? AM I ELIGIBLE FOR SOCIAL SECURITY DISABILITY BENEFITS?) OR A REFERRAL TO A MORE APPROPRIATE AGENCY FOR THEIR NEEDS.19% OF OUR CLIENTS NEEDED EXTENDED LEGAL REPRESENTATION IN LARGER, ONGOING MATTERS (A COMPLEX INSURANCE APPEAL DENYING THEIR TREATMENT BASED ON MEDICAL NECESSITY, CREATION OF AN ESTATE PLAN INCLUDING GUARDIANSHIP FOR THEIR MINOR CHILDREN, APPLICATION ASSISTANCE FOR SOCIAL SECURITY DISABILITY BENEFITS). FOR THESE LONGER PERIODS OF ENGAGEMENT, A CLC STAFF ATTORNEY OR ONE OF OUR 70+ VOLUNTEER ATTORNEYS WILL TAKE THE MATTER ON.OUR CLIENTS IN 2024:- WOMEN 57%, MEN 42%, NON-BINARY/TRANSGENDER 1%- 47% HAVE A HOUSEHOLD INCOME UNDER 200% OF THE FEDERAL POVERTY GUIDELINES- AFRICAN AMERICAN 10%, AI/AN 1% ASIAN 4%, HISPANIC 4%, UNKNOWN 4%, WHITE 77%- 77% RESIDE IN THE TWIN CITIES METRO; 23% IN GREATER MINNESOTA- 41% LIVE ALONE- 24% HAVE MINOR CHILDREN IN THEIR HOME AND CARE- 84% ARE STILL OF WORKING AGE- 53% ARE LIVING WITH A STAGE IV CANCER - 33% SOUGHT HELP WITH A SOCIAL SECURITY DISABILITY BENEFIT ISSUE OR OTHER GOVERNMENT BENEFITS ISSUE (UP FROM 17% IN 2022).WORDS OF IMPACT FROM OUR CLIENTS:YOU AND YOUR LEGAL SERVICE AND ADVICE HAVE BEEN GREATLY APPRECIATED. WE WERE GLAD TO MEET YOU IN PERSON YOU WERE SO KIND TO US.THANK YOU - WHAT YOU DO IS SO NEEDED.I FEEL SO ISOLATED RIGHT NOW. YOU DON'T KNOW HOW GOOD IT FEELS TO KNOW YOU ARE WORKING WITH ME ON THIS.THANK YOU FOR THE HELP AND SUPPORT CANCER LEGAL CARE HAS GIVEN ME. YOUR SOUND ADVICE AND EXPERTISE WERE SO HELPFUL. I'VE TOLD SEVERAL PEOPLE ABOUT THE WORK THAT CANCER LEGAL CARE DOES. I HOPE CANCER LEGAL CARE IS AROUND FOR A LONG TIME TO HELP MANY MORE PATIENTS NAVIGATE THEIR MEDICAL BILLS AND REDUCE THEIR MEDICAL DEBT YOUR ADVICE ABOUT NOT PAYING THE FIRST BILLOR EVEN THE SECOND OR MAYBE THIRD BILLSAVED ME A LOT OF MONEY.HONESTLY, IT DOES BRING CLOSURE THAT IT JUST IS WHAT IT IS, AND I CAN MOVE FORWARD PEACEFULLY KNOWING WE DID ALL WE COULD DO. THANKS AGAIN, YOU PUT SO MUCH HARD WORK INTO ALL OF THE APPEALS AND I'M VERY GRATEFUL TO YOU. AGAIN, THANK YOU FOR YOUR HELP AND FOR HELPING ALL THE FOLKS FACING THESE SORTS OF CHALLENGES.INSURANCE PAID THE BILLS, AND I JUST CHECKED MY HOSPITAL ACCOUNT AND CONFIRMED THOSE CLAIMS ARE CLEARED!!! I CAN'T THANK YOU ENOUGH FOR ALL YOUR HELP, GUIDANCE, PATIENCE, AND RELENTLESSNESS TO MAKE THIS HAPPEN. MAYBE THIS IS ANOTHER DAY AT THE JOB FOR YOU BUT FOR ME, THIS IS A HUGE WIN! A THOUSAND THANK YOUS FOR ALL YOUR HELP AND ADVICE. I DO NOT KNOW WHAT WE WOULD DO WITHOUT YOU. I HAVE REVIEWED YOUR ADVICE WITH MY SON, AND HE WILL MOVE FORWARD ACCORDING TO GUIDANCE. YOUR HELP HAS MADE THINGS IMMEASURABLY EASIER FOR HIM AND EASED HIS BURDEN. 121304 SOCIAL SECURITY APPLICATION ASSISTANCE PROGRAM (SSAAP) -THIS NEW PROGRAM BEGAN ON JANUARY 1, 2023, AND IS FUNDED IN PART FROM A PAY-FOR-PERFORMANCE CONTRACT BY MN DEPARTMENT OF HUMAN SERVICES. HOWEVER, FOR CLIENTS WHO ARE NOT ELIGIBLE BY DHS SERVICES STILL CAN BE ASSISTED WITH OTHER FUNDING. THIS PROGRAM IS A LONG-ASKED FOR SERVICE BY OUR CLIENTS WHO ARE TOO ILL TO COMPLETE THE LONG, OVERWHELMING, AND INTIMIDATING APPLICATION FOR DISABILITY BENEFITS ON THEIR OWN. SINCE OUR SOCIAL SECURITY APPLICATION ASSISTANCE PROGRAM BEGAN IN 2023, CLC HAS CLOSED 80 SSAAP MATTERS THAT INVOLVED AN APPLICATION FOR BENEFIT OR APPEAL, WITH 76% OF THESE CLIENTS SUCCESSFULLY RECEIVING SSI OR SSDI BENEFIT. SSDI/SSI ISSUES ARE NOW OUR NUMBER ONE AREA OF CLIENT NEED OVERALL, DOUBLING IN NUMBER SINCE THE PROGRAM BEGAN. ON BEHALF OF OUR CLIENTS, WE HAVE RECOVERED $788,000 IN SSI AND SSDI BENEFITS FOR CLIENTS.CLC'S SOCIAL SECURITY APPLICATION ASSISTANCE PROGRAM IS DESIGNED TO ASSIST CANCER PATIENTS WHOSE HIGH COST OF TREATMENT AND INABILITY TO WORK IS IMPACTING THEIR ECONOMIC SECURITY. FOR MANY CANCER PATIENTS, SOCIAL SECURITY BENEFITS ARE ESSENTIAL TO THE PATIENT'S WELL-BEING AND QUALITY OF LIFE. THESE BENEFITS HELP TO REPLACE INCOME LOST WHEN A CANCER PATIENT FINDS THEMSELVES NO LONGER ABLE TO WORK (LIKELY AT THE SAME TIME THEY ARE BEING SWAMPED WITH MEDICAL BILLS). BUT WHAT WE HAVE HEARD FROM OUR CLIENTS IS THAT THE PROCESS OF APPLYING FOR THESE NECESSARY BENEFITS CAN BE OVERWHELMING, ADDING ANOTHER LAYER OF STRESS TO AN ALREADY CHALLENGING TIME. IN RESPONSE, THE SOCIAL SECURITY APPLICATION ASSISTANCE PROGRAM WAS BORN TO PROVIDE MORE ADVOCACY AND SUPPORT TO CANCER PATIENTS. OUR HOPE IS THAT CLC WILL BE ABLE TO REDUCES BARRIERS AND STRESS FOR DISABLED CANCER PATIENTS APPLYING FOR SOCIAL SECURITY BENEFITS. ELIGIBLE CLIENTS RECEIVE HELP COMPLETING APPLICATIONS AND GATHERING AND SUBMITTING IMPORTANT EVIDENCE. WE ASSIST WITH APPLICATIONS FOR SOCIAL SECURITY DISABILITY BENEFITS (SSDI OR RSDI) AND SUPPLEMENTAL SECURITY INCOME (SSI).CLC PROVIDES THOROUGH AND COMPLETE LEGAL REPRESENTATION FROM THE START OF THE APPLICATION PROCESS UNTIL THE APPLICATION IS APPROVED. THROUGHOUT THE PROCESS, CLC WILL WORK TO ENSURE THAT THE CLIENT'S APPLICATION IS TIMELY AND PROPERLY PROCESSED. CANCER PATIENTS LIVING IN MINNESOTA, 65 AND YOUNGER, WHO ARE NO LONGER ABLE TO WORK, AND MEET OUR INCOME GUIDELINES ARE ELIGIBLE FOR THE SOCIAL SECURITY APPLICATION ASSISTANCE PROGRAM. CLC WILL NOT CHARGE CLIENTS OR COLLECT A FEE FROM A CLIENT'S BENEFITS. WE ASSIST FAMILIES WHO ARE APPLYING FOR BENEFITS FOR THEIR CHILD WITH CANCER, AND ALL SERVICES CAN BE PROVIDED OVER THE PHONE. IF A CLIENT PREFERS, WE CAN ALSO MEET VIRTUALLY. SSAAP IMPACT:JOSIAH HAS SPENT MOST OF HIS YOUNG LIFE WITH A BRAIN TUMOR. AFTER MONTHS OF HER CONCERNS ABOUT HER ONLY CHILD'S HEALTH BEING DISMISSED, GABRIELLE LEFT HER JOB AND TOOK HER SON DIRECTLY TO THE EMERGENCY ROOM. AT THE ER JOSIAH WAS DIAGNOSED WITH A RARE CHILDHOOD CANCER CALLED ATYPICAL TERATOID RHABOID TUMOR, OR AT/RT.GABRIELLE IS NOW JOSIAH'S FULL-TIME CAREGIVER, CARING FOR HER TODDLER AS HE UNDERGOES DIFFERENT TYPES OF TREATMENT, INCLUDING TRIAL THERAPIES THAT HAVE YET TO BE TESTED ON CHILDREN. SHE NEVER LEAVES HIS SIDE EVEN SLEEPING NEXT TO HIM IN HIS HOSPITAL ROOM.WHEN HER SOCIAL WORKER GAVE HER CANCER LEGAL CARE'S BUSINESS CARD, GABRIELLE DIDN'T THINK SHE NEEDED HELP- AFTER ALL, SHE HAD PTO AND A SAVINGS ACCOUNT. SO, SHE PUT THE CARD IN HER WALLET AND LEFT IT THERE. BUT WHEN GABRIELLE AND JOSIAH WERE IN ROCHESTER FOR SIX LONG WEEKS SO HE COULD GET RADIATION TREATMENT, SHE REACHED OUT TO CANCER LEGAL CARE TO ENSURE THAT SHE COULD CONTINUE TO PLAN FOR HER AND HER CHILD'S FUTURE.A CANCER LEGAL CARE ATTORNEY HELPED HER SUBMIT HER SSI APPLICATION. "I STILL FELT A LITTLE SCARED BECAUSE IT WAS OVERWHELMING. MY LAWYER TOOK THE TIME TO EXPLAIN EVERYTHING TO ME AND TO UNDERSTAND IN THE WAY I NEEDED TO UNDERSTAND. I FEEL SO MUCH MORE CONFIDENT BECAUSE A YEAR AGO WHEN WE STARTED THIS, I FELT I COULDN'T DO IT."JOSIAH IS STILL UNDERGOING TREATMENT, BUT HE IS A HAPPY CHILD. HE AND HIS MOM REMAIN HOPEFUL; THEY BELIEVE MIRACLES HAPPEN. THE SUPPORT THEY GOT FROM CANCER LEGAL CARE HAS ALLOWED GABRIELLE TO NOT WORRY ABOUT THE FINANCIAL BURDEN OF JOSIAH'S CARE SO SHE COULD FOCUS ON HIM.SOME WORDS FROM GABRIELLE:"WHAT CANCER LEGAL CARE IS DOING IS AMAZING. THEY'RE HELPING FAMILIES NAVIGATE THROUGH THE CRAZIEST TIME OF THEIR LIFE. THEY TAKE THE TIME TO LISTEN, TO HELP, AND TO SUPPORT." 85188 ICARE - A SIGNIFICANT EXPANSION OF OUR WORK TOOK PLACE IN 2020 WITH THE CREATION OF OUR ICARE PROGRAM UNDER THE UMBRELLA OF OUR LEGAL CARE PROGRAM OFFERINGS. ICARE (INSURANCE CLAIM ADVOCACY AND RESOLUTION) ADDRESSES THE GROWING NUMBER OF HEALTH INSURANCE COVERAGE DENIALS DUE TO MANY FACTORS INCLUDING SHRINKING NETWORKS AND EVER-CHANGING PRE-AUTHORIZATION REQUIREMENTS. THE GOAL OF THIS WORK IS TO MAKE A SIGNIFICANT IMPACT ON THE HEALTH AND FINANCIAL WELL-BEING OF OUR CLIENTS BY WAY OF ENSURING THAT THEIR PRIVATE DISABILITY, LIFE, AND HEALTH INSURANCE COVERS WHAT THEY SHOULD. TO DATE, 153 MATTERS HAVE BEEN OPENED, AND 143 CLOSED WITH A 94% SUCCESSFUL OUTCOME FOR OUR CLIENTS THEIR DENIAL BEING OVERTURNED ON APPEAL, COVERAGE REINSTATED, BILLING ISSUE CORRECTED, CLAIM PROCESSED, OR RECEIVING A CONSULTATION THAT RESOLVES THE ISSUE THEY ARE FACING. FOR 72 OF THESE CLIENTS, SUCCESS INCLUDED MONEY BEING PROTECTED OR RECOVERED, TOTALING $4,211,877.18 COLLECTIVELY, $58,498.29 ON AVERAGE, RANGING FROM $150 TO $565,000. ALL THE ICARE WORK IS DONE AT NO CHARGE AND WITHOUT ANY INCOME ELIGIBILITY LIMITATIONS. WHY?1. VERY FEW FAMILIES COULD AFFORD AN ATTORNEY'S HELP IN LIGHT OF CANCER'S GROWING FINANCIAL TOXICITY.2. ANY BARRIER TO REACHING OUT OR GETTING HELP MORE OFTEN THAN NOT BECOMES A NON-STARTER FOR PEOPLE WHO ARE AT THEIR PHYSICAL, EMOTIONAL, AND FINANCIAL BREAKING POINT. WE KNOW THAT INSURANCE ISSUES ARE AT THE TOP OF THE MOST STRESSFUL THINGS OUR CLIENTS FACE.ICARE IMPACT:PAULINE WAS ON A ROLLERCOASTER FOR FIVE YEARS. AFTER HER HUSBAND DAVE DIED OF CANCER IN 2019, THEIR COST SHARING MINISTRY INSURANCE PLAN SUDDENLY STOPPED PAYING THEIR MEDICAL BILLS - FOR SEEMINGLY NO REASON. THIS LEFT PAULINE ON THE HOOK FOR OVER $30,000. PAULINE KNEW SHE WAS IN THE RIGHT DIRECTION AND THAT THE COST-SHARING MINISTRY PLAN SHOULD BE PAYING FOR DAVE'S CARE, BUT INSTEAD, SHE WAS TURNED OVER TO A COLLECTION AGENCY. LUCKILY, DAVE AND PAULINE WERE ARDENT DOCUMENTERS. THEY KEPT EVERY BILL, EVERY LETTER, AND TOOK DILIGENT NOTES OF EVERY CONVERSATION AND INTERACTION WITH THE HEALTH SHARING MINISTRY COMPANY AND THE DEBT COLLECTION AGENCY. AS PAULINE RECALLS, "THERE WERE TIMES THAT I JUST SAT THERE AND BAWLED MY EYES OUT BECAUSE I WAS FRUSTRATED AND CONFUSED. WHY DO I HAVE TO KEEP SENDING THIS WHEN THEY HAVE EVERYTHING IN FILE? THERE WERE SO MANY DIFFERENT PEOPLE WORKING ON THIS AND THEY DID NOT TRANSFER STUFF TO THE NEXT PERSON. IT WAS CRAZINESS. IT WAS LIKE STARTING DAY ONE OVER AND OVER AGAIN." AFTER TWO YEARS OF RIDING THE ROLLERCOASTER ALONE, PAULINE GOT CONNECTED TO CANCER LEGAL CARE'S ICARE PROGRAM THROUGH HER DAUGHTER-IN-LAW. PAULINE SENT OVER COPIES OF HER DOCUMENTATION TO HER ICARE ATTORNEY, AND TOGETHER THEY SENT LETTER AFTER LETTER TO THE COST SHARING MINISTRY AND THE COLLECTION AGENCY. FINALLY, 5 YEARS LATER, PAULINE'S BILLS WERE ADJUSTED DOWN TO $0. IN PAULINE'S WORDS, "I AM JUST SO GLAD THAT I FOUND CANCER LEGAL CARE. CANCER LEGAL CARE IS AMAZING. I WILL REFER TO ANYBODY WHO GETS INTO A JAM WITH THEIR MEDICAL BILLS. I AM TRULY BLESSED FOR MY CANCER LEGAL CARE ATTORNEY. SHE DID A BIG PART OF THIS FOR ME AND MY FAMILY. I'M SO GLAD THAT ROLLERCOASTER RIDE IS OVER." 571026 1 1 0 1 0 0 0 0 0 0 0 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 6 0 1 10 1 0 0 0 0 0 0 0 0 0 0 0 0 X 13 13 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 0 0 MN X LINDY YOKANOVICH 6519179000 3503 HIGH POINT DR N 270 OAKDALE MN 55128 HOWARD BOLTER ESQ BOARD CHAIR 5.00 X X 0 0 0 DAVID MURPHY ESQ VICE CHAIR/SECRETARY 5.00 X X 0 0 0 MATTHEW BREDESEN ESQ TREASURER 5.00 X X 0 0 0 ALEX ESCHENROEDER ESQ BOARD MEMBER 3.00 X 0 0 0 ALEX GINSBERG ESQ BOARD MEMBER 3.00 X 0 0 0 KRISTY GRAUME BOARD MEMBER (BEG 2/2024) 3.00 X 0 0 0 LASHAUNE JOHNSON PHD BOARD MEMBER (BEG 2/2024) 3.00 X 0 0 0 KARI KALSTAD BOARD MEMBER (THRU 12/2024) 3.00 X 0 0 0 JENNIFER KUYAVA MD BOARD MEMBER 3.00 X 0 0 0 TIM LATHAM BOARD MEMBER (THRU 12/2024) 3.00 X 0 0 0 CATHERINE LONDON JD MPH BOARD MEMBER 3.00 X 0 0 0 AUSTIN MILLER ESQ BOARD MEMBER 3.00 X 0 0 0 PAULA MONTGOMERY ESQ BOARD MEMBER 3.00 X 0 0 0 WALTER MYERS BOARD MEMBER 3.00 X 0 0 0 STACEY PILLE BOARD MEMBER (THRU 12/2024) 3.00 X 0 0 0 PAMELA ROSS JD MHA BOARD MEMBER (THRU 12/2024) 3.00 X 0 0 0 SUNG JA SHIN BOARD MEMBER 3.00 X 0 0 0 ADAM KINTOPF BOARD MEMBER (THRU 12/2024) 3.00 X 0 0 0 LINDY YOKANOVICH ESQ EXECUTIVE DIRECTOR 50.00 X 127403 0 28718 127403 0 28718 1 0 1 0 0 262954 585737 848691 INTEGRATED CLIENT SERV 900099 40254 40254 306 306 40560 4407 4407 893658 40560 0 4407 156121 117940 15714 22467 381258 288576 38582 54100 10479 7805 1013 1661 39418 29359 3812 6247 40358 31042 3986 5330 2426 1227 567 632 36405 18417 8510 9478 1357 1172 20 165 28028 15928 5346 6754 26833 19413 3799 3621 30229 22975 3730 3524 1207 919 185 103 2634 2005 404 225 2286 1600 320 366 10513 7619 2254 640 DUES AND SUBSCRIPTIONS 3669 3447 108 114 GIFTS/RECOGNITION 1772 1573 199 0 CLIENT PROGRAM EXPENSE 10 9 1 0 775003 571026 88550 115427 39670 35769 303215 316369 20286 48836 7076 0 8613 15788 0 47604 378860 464366 37899 46206 86500 0 0 47766 124399 93972 X 254461 370394 254461 370394 378860 464366 118655 -2722 0 X 0 1 X 1 0 X 563896 618951 505767 617994 848691 3155299 563896 618951 505767 617994 848691 3155299 590316 2564983 169 153 515 2653 4407 7897 784 784 3163980 47360 0.81070 0.83140 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 2016 548 2564 772439 775003 141250 35313 0 0 141250 141250 211875 2564 2564 35313 35313 52970 2016 2016 0 RIGHT-OF-USE ASSETS - OPERATING LEASE 45814 RIGHT-OF-USE ASSETS - FINANCE LEASE 1790 47604 LONG-TERM OPERATING LEASE LIABILITY 45914 LONG-TERM FINANCE LEASE LIABILITY 1852 47766 893658 0 893658 0 893658 775003 0 775003 0 775003 X X 0 0 0 0 0 0 0 0 0 LINDY YOKANOVICH ESQ EXECUTIVE DIRECTOR 127403 0 0 0 0 0 5699 0 23019 0 156121 0 0 0 FORM 990, PART III, LINE 1 HIGHLIGHTS AND IMPACT FROM CANCER LEGAL CARE'S WORK IN 2024: - IN 2024, WE MAINTAINED OUR 20%+ GROWTH IN CLIENTS SINCE 2023, WORKING WITH 619 CLIENTS ON 848 LEGAL MATTERS. OUR WORK TOUCHED A TOTAL OF 1,271 PEOPLE LIVING IN HOUSEHOLDS WITH OUR CLIENTS, INCLUDING 254 MINOR CHILDREN. - FREE LEGAL CARE REDUCES OUR CLIENTS' RISK FOR CANCER'S FINANCIAL TOXICITY: SINCE 2019, CANCER LEGAL CARE'S DIRECT LEGAL SERVICES HAVE PROTECTED OR RECOVERED MORE THAN $5,000,000 FOR OUR CLIENTS BY WAY OF SUCCESSFUL INSURANCE APPEALS SO OUR CLIENTS ARE NOT FACING THOUSANDS OF DOLLARS IN MEDICAL BILLS THEY DO NOT RIGHTFULLY OWE, OR SECURING A MONTHLY INCOME STREAM THROUGH SOCIAL SECURITY DISABILITY BENEFITS WHEN THEY ARE NO LONGER ABLE TO WORK. - LEGAL CARE REACHES ALL FOUR CORNERS OF THE STATE: ANYONE AFFECTED BY ANY CANCER (PATIENT, SURVIVOR, OR CAREGIVER) LIVING ANYWHERE IN THE STATE IS ELIGIBLE FOR CANCER LEGAL CARE'S SERVICES. TO DATE, WE HAVE SERVED CLIENTS IN 79 OF MINNESOTA'S 87 COUNTIES; IN 2024 OUR WORK REACHED CLIENTS LIVING IN 45 DIFFERENT MINNESOTA COUNTIES. - MEANINGFUL RETURN ON OUR DONORS' INVESTMENT: WITH ANNUAL EXPENSES BETWEEN $500,000-800,000 OVER THE LAST FIVE YEARS, CANCER LEGAL CARE DELIVERS AN INCREDIBLE "BANG FOR THE BUCK", PROVIDING MORE THAN $23,000,000 IN FREE LEGAL SERVICES SINCE OUR FOUNDING. CANCER LEGAL CARE HELPS MINNESOTANS ALL OVER THE STATE MEET BASIC NEEDS BY PROVIDING LEGAL CARE IN THE FOLLOWING AREAS: - INSURANCE COVERAGE (HEALTH INSURANCE, SHORT/LONG TERM DISABILITY) - HOUSING AND FINANCIAL (EVICTION, FORECLOSURE, CREDITOR ISSUES, BANKRUPTCY) - EMPLOYMENT (ADA/MHRA DISCRIMINATION/REASONABLE ACCOMMODATION, FMLA) - LEGAL PLANNING (HEALTH CARE DIRECTIVES, GUARDIANSHIP, WILLS, POWERS OF ATTORNEY) - PUBLIC BENEFITS (SOCIAL SECURITY DISABILITY, MEDICAID) BY RECEIVING CRITICAL LEGAL CARE SERVICES AT A VULNERABLE TIME, MINNESOTANS AFFECTED BY CANCER EXPERIENCE ENHANCED FINANCIAL SECURITY AND FAMILY STABILITY, AND REPORT IMPROVED HEALTH AND WELL-BEING. CANCER LEGAL CARE WORKS CLOSELY WITH ONCOLOGY PROVIDERS AND CANCER SUPPORT GROUPS THROUGHOUT THE STATE. CANCER LEGAL CARE IS THE ONLY ORGANIZATION PROVIDING DIRECT LEGAL CARE SERVICES TO THE MINNESOTA CANCER COMMUNITY. CANCER LEGAL CARE EXISTS FOR THREE REASONS: (1) THE PREVALENCE OF CANCER. LIKE THE REST OF THE NATION, 1 IN 3 MINNESOTA WOMEN AND 1 IN 2 MINNESOTA MEN WILL BE DIAGNOSED WITH A POTENTIALLY SERIOUS CANCER AT SOME POINT IN THEIR LIFE. IN 2024, IT IS EXPECTED THAT 38,000 NEW CASES OF CANCER WILL BE DIAGNOSED, AND 10,000 MINNESOTANS WILL DIE OF CANCER. ADDITIONALLY, IT IS ESTIMATED THAT THERE ARE 281,650 MINNESOTANS CURRENTLY LIVING WITH A HISTORY OF CANCER. CANCER AFFECTS PEOPLE AT EVERY STAGE OF LIFE, ACROSS ALL INCOME LEVELS. (2) THE FINANCIAL DEVASTATION THAT CANCER BRINGS. STUDIES ABOUND REGARDING CANCER'S FINANCIAL DEVASTATION AND THE INCREDIBLE IMPACT IT HAS ON HEALTH CARE DECISION MAKING AND QUALITY OF LIFE. SO MUCH SO THAT CANCER'S FINANCIAL DEVASTATION HAS ITS OWN TERM OF ART: FINANCIAL TOXICITY. A RECENT STUDY DONE OVER 16 YEARS LOOKING AT 9.5 MILLION CANCER SURVIVORS, FOUND THAT 42% OF ALL NEWLY DIAGNOSED CANCER PATIENTS OVER THE AGE OF 50 WILL DEPLETE THEIR LIFE SAVINGS WITHIN TWO YEARS OF DIAGNOSIS. IN 2024, THE AVERAGE AGE OF A CLC CLIENT WAS 57. CANCER SURVIVORS ARE 2.5 TIMES MORE LIKELY TO FILE FOR BANKRUPTCY THAN PEOPLE WITHOUT CANCER, AND THOSE CANCER SURVIVORS WHO DO FILE ARE 80% MORE LIKELY TO DIE THAN CANCER PATIENTS WHO DON'T FILE FOR BANKRUPTCY PROTECTION. AT CLC, WE SEE THIS STARK REALITY IN OUR CLIENTS' LIVES EACH DAY. BEHIND EACH ONE OF THESE STATISTICS IS AN INDIVIDUAL OR A FAMILY IN CRISIS. FINANCIAL TOXICITY AND THE STRESS IT BRINGS ARE OFTEN MORE LIFE-THREATENING THAN THE CANCER ITSELF. (3) THE LACK OF ANY OTHER RESOURCE FOR THIS CRITICALLY NEEDED LEGAL CARE. THE LEGAL ISSUES CANCER PATIENTS FACE SURROUNDING EMPLOYMENT, HEALTH AND PRIVATE DISABILITY INSURANCE, AND ESTATE PLANNING ARE NOT TYPICALLY WITHIN THE ARRAY OF SERVICES PROVIDED BY TRADITIONAL LEGAL AID. MOREOVER, ELIGIBILITY FOR TRADITIONAL LEGAL AID SERVICE IS TIED TO A VERY STRICT INCOME CUT OFF OF 200% OF THE FEDERAL POVERTY GUIDELINES (FPG). IN 2024, THIS EQUATES TO A GROSS ANNUAL INCOME OF $30,120 FOR A SINGLE PERSON AND $62,400 FOR A FAMILY OF FOUR. IN 2024, 48% OF CLIENTS WERE AT OR BELOW 200% FPG, AND 20% WERE BETWEEN 200% AND 300% FPG. CONSEQUENTLY, CLC TAKES A DIFFERENT APPROACH GIVEN OUR CLIENTS' LEGAL NEEDS AND THE FINANCIAL FREEFALL IN WHICH THEY FIND THEMSELVES. PEOPLE ALL ACROSS THE INCOME SPECTRUM HAVE WORRIES AND QUESTIONS ABOUT LEGAL ISSUES THAT ARISE BECAUSE OF THEIR DIAGNOSIS AND TREATMENT. ACCORDINGLY, CLC PROVIDES LEGAL COUNSELING AND INFORMATION SERVICES TO ANYONE IN NEED REGARDLESS OF INCOME. THE ONLY LIMITATION ON OUR FREE SERVICES IS IN THE ESTATE PLANNING REALM, WHERE FULL ESTATE PLANNING SERVICES ARE LIMITED TO THOSE AT OR BELOW 300% FPG. ADDITIONALLY, WE SERVE THE ENTIRE STATE WITH 25% OF OUR 2023 CLIENTS LIVING IN GREATER MINNESOTA AND 75% IN THE TWIN CITIES METRO AREA. IN 2024, THE AVERAGE AGE OF CLC'S CLIENTS WAS 57 YEARS IN THE PRIME OF THEIR WORKING, AND OFTEN, FAMILY-RAISING YEARS. ADDITIONALLY, 53% OF OUR 2024 CLIENTS ARE LIVING WITH STAGE IV CANCER. THE COMBINED EFFECT RESULTS IN AMPLIFIED CONSEQUENCES IF A CANCER SURVIVOR'S SPECIFIC LEGAL NEEDS REMAIN UNMET. MOUNTING MEDICAL BILLS COUPLED WITH JOB LOSS/UNPAID LEAVE, ALL TOO OFTEN LEAD TO FINANCIAL DEVASTATION FOR THE ENTIRE FAMILY. MANY MIDDLE-CLASS MINNESOTANS FACE ABJECT POVERTY FOR THE FIRST TIME IN THEIR LIVES FOLLOWING THEIR CANCER DIAGNOSIS AND EXPERIENCE ADDITIONAL COMPLICATIONS FOR THEIR SURVIVORSHIP STEMMING FROM THEIR POVERTY. THESE ARE HEALTH PROBLEMS THAT HAVE LEGAL, NOT MEDICAL, SOLUTIONS. LEGAL CARE IS OFTEN THE KEY TO ENSURING BASIC NEEDS ARE MET AND MEANS OF PROVIDING SHORT- AND LONG-TERM FINANCIAL SECURITY AND FAMILY STABILITY. EXAMPLES OF THE CANCER COMMUNITY'S NEED FOR LEGAL CARE AND THE DIFFERENCE IT MAKES ONE FAMILY AT A TIME, INCLUDE: EFFECTIVELY NEGOTIATING AN EXTENDED, JOB-PROTECTED LEAVE IN ORDER TO MAINTAIN EMPLOYMENT DURING AND AFTER TREATMENT. UNDERSTANDING THE CRITICAL TIMING ISSUES OF APPLYING FOR SOCIAL SECURITY DISABILITY INSURANCE (SSDI) SO MISTAKES AREN'T MADE, RESULTING IN AN OTHERWISE UNNECESSARY DELAY IN THE RECEIPT OF CASH BENEFITS AND MEDICAL COVERAGE. CREATING GUARDIANSHIP DOCUMENTS TO EASE THE LIVES OF CHILDREN AS THEY TRANSITION FROM THE CARE OF THEIR DECEASED PARENT TO ANOTHER ADULT. APPEALING UNJUST INSURANCE COVERAGE DENIALS AND MAKING SURE THAT INSURANCE PAYS THE COSTS IT SHOULD FORM 990, PART VI, SECTION B, LINE 11B CLC'S CEO/ED AND ITS EXECUTIVE COMMITTEE REVIEW THE DRAFT 990. ANY QUESTIONS ARE ADDRESSED, AND ANY NECESSARY REVISIONS ARE MADE. THE FULL BOARD OF DIRECTORS IS THEN SUPPLIED WITH AN ELECTRONIC COPY OF THE FINAL 990 PRIOR TO FILING. THE BOARD IS ENCOURAGED TO REVIEW THE 990 AND ASK ANY QUESTIONS THAT THEY HAVE. THE BOARD DISCUSSES THE FILED 990 AT THE NEXT BOARD MEETING AND APPROVES THE FILING WITH THE STATE OF MINNESOTA. FORM 990, PART VI, SECTION B, LINE 12C CLC'S BOARD MEMBERS AND OFFICERS ARE ALL SUBJECT TO A CONFLICT OF INTEREST POLICY THAT REQUIRES DECISION MAKING ON ANY TRANSACTION THAT WOULD AFFECT ANY OF THOSE INDIVIDUAL'S "MATERIAL FINANCIAL INTEREST(S) OR WOULD SIGNIFICANTLY AFFECT THEIR PERSONAL INTEREST(S) ("APPEARANCE CONFLICTS") TO BE AFFECTED ON ACTION OF THE ENTIRE BOARD, AFTER THE BOARD HAS BEEN GIVEN PRIOR NOTICE OF THE INDIVIDUAL(S) AND THE CONFLICT(S), AND WITH ONLY DIRECTORS WHO ARE INDEPENDENT OF THE PARTY WITH THE ACTUAL OR PERCEIVED CONFLICT PARTICIPATING. THE QUESTION AS TO WHETHER AN INDIVIDUAL HAS A CONFLICT FALLING WITHIN THE POLICY IS DECIDED BY THE BOARD, NOT INCLUDING IN ITS DELIBERATIONS OR VOTE THE PARTY(IES) WHOSE CONFLICT IS AT ISSUE. ALL POTENTIAL, PERCEIVED, OR ACTUAL CONFLICTS ARE REVIEWED ON AN ANNUAL BASIS, AND EVERY YEAR AT OUR FIRST BOARD MEETING OF THE YEAR IN FEBRUARY, EACH BOARD MEMBER COMPLETES AND SIGNS OUR CONFLICTS DISCLOSURE. FORM 990, PART VI, SECTION B, LINE 15A THE CEO/ED'S SALARY IS SET EACH YEAR BY THE EXECUTIVE COMMITTEE, COMPRISED OF OUR BOARD CHAIR, VICE-CHAIR/SECRETARY, AND TREASURER. THE EXECUTIVE COMMITTEE REVIEWS THE MOST RECENT "MINNESOTA NONPROFIT SALARY AND BENEFIT SURVEY" PREPARED BY THE MINNESOTA COUNCIL FOR NONPROFITS IN SETTING THE EXECUTIVE DIRECTOR'S SALARY. ALL THE BOARD MEMBERS/OFFICERS ARE INDEPENDENT. THE PUBLICATION PROVIDES HELPFUL LISTING OF COMPARABLE SALARIES, BENEFITS AND OTHER COMPENSATION MEASURES FOR SIMILAR POSITIONS, RELATIVE TO EDUCATION AND EXPERIENCE ACROSS A WIDE RANGE OF NONPROFIT ORGANIZATIONS. COMPENSATION IS ALSO BASED ON THE CEO/ED'S JOB PERFORMANCE OVER THE PAST YEAR. THE EXECUTIVE COMMITTEE MEETS WITH THE CEO/ED TO REVIEW AND ASSESS PROGRESS MADE DURING THE YEAR IN MEETING GOALS SET FORTH AS PART OF THE CEO/ED'S WRITTEN JOB REQUIREMENT AND PERFORMANCE OBLIGATIONS. FORM 990, PART VI, SECTION C, LINE 19 CANCER LEGAL CARE'S CONFLICT OF INTEREST STATEMENT, GOVERNING DOCUMENTS, FINANCIAL STATEMENTS, AND PUBLIC DOCUMENTS ARE LOCATED AT OUR OFFICE AT 3503 HIGH POINT DRIVE, SUITE 270, OAKDALE, MN 55128.