2026-06-18T22:20:06-05:00 2025-12-31 471019942 CREATIVE PLANNING TAX LLC 220 PARK AVE S ST CLOUD MN 56301 990 2025-01-01 020736402 CANCER LEGAL CARE CANC 6519179000 3503 HIGH POINT DR N 270 OAKDALE MN 55128 LINDY YOKANOVICH EXECUTIVE DIRECTOR 6519179000 2026-06-16 1 MARIE A PRIMUS CPA P01272184 3202517010 2026-06-16 2025 2025-03-06 01:10:19Z LINDY YOKANOVICH 3503 HIGH POINT DR N 270 OAKDALE MN 55128 1105723 0 X WWW.CANCERLEGALCARE.ORG X 2004 MN TO ENGAGE THE LAW TO RESOLVE THE COMPLEX CHALLENGES FACING PEOPLE AND COMMUNITIES AFFECTED BY CANCER. 11 11 9 83 0 0 848691 1060170 40560 15776 4407 29777 0 0 893658 1105723 0 0 0 0 627634 804812 0 0 163882 147369 253816 775003 1058628 118655 47095 464366 506871 93972 89382 370394 417489 X CANCER LEGAL CARE'S (CLC) 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 $26 MILLION IN FREE LEGAL CARE INFORMATION AND/OR DIRECT SERVICES TO NEARLY 16,000 MINNESOTANS AFFECTED BY ANY CANCER RESIDING IN 80 OF MINNESOTA'S 87 COUNTIES. OVER 6,700 MINNESOTANS HAVE RECEIVED DIRECT LEGAL CARE SERVICES FROM CLC STAFF AND VOLUNTEER ATTORNEYS AND 9,062 CANCER PATIENTS, SURVIVORS, CAREGIVERS, ATTORNEYS, AND HEALTH CARE PROVIDERS HAVE ATTENDED AND LEARNED FROM ONE OR MORE OF OUR 293 GROUP EDUCATION OR VIRTUAL INFORMATION PRESENTATIONS. 0 0 451209 15776 IN 2025, CLC'S LEGAL CARE PROGRAM (LCP), OUR LARGEST COMBINED PROGRAM, PROVIDED FREE LEGAL SERVICES TO A TOTAL OF 647 MINNESOTANS WHO HAD A COMBINED 858 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 2025, 52% 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: 18% - INSURANCE COVERAGE (HEALTH INSURANCE, SHORT/LONG TERM DISABILITY)8% - HOUSING AND FINANCIAL (EVICTION, FORECLOSURE, CREDITOR ISSUES, BANKRUPTCY) 8% - EMPLOYMENT (ADA/MHRA DISCRIMINATION/REASONABLE ACCOMMODATION, FMLA) 23% - LEGAL PLANNING (HEALTH CARE DIRECTIVES, GUARDIANSHIP, WILLS, POWERS OF ATTORNEY) 34% - PUBLIC BENEFITS (SOCIAL SECURITY DISABILITY, MEDICAID) 9% - OTHER (IMMIGRATION, TAX, FAMILY).80% 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.20% 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 2025:- WOMEN 58%, MEN 42%- 50% HAVE A HOUSEHOLD INCOME UNDER 200% OF THE FEDERAL POVERTY GUIDELINES- AFRICAN AMERICAN 11%, AI/AN 1% ASIAN 4%, HISPANIC 4%, UNKNOWN/PREFER NOT TO STATE 2%, WHITE 78%- 76% RESIDE IN THE TWIN CITIES METRO; 24% IN GREATER MINNESOTA- 36% LIVE ALONE- 22% HAVE MINOR CHILDREN IN THEIR HOME AND CARE- 74% ARE STILL OF WORKING AGE- 52% ARE LIVING WITH A STAGE IV CANCER - 34% 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:"EVERYONE HAS A PLAN UNTIL THEY GET PUNCHED IN THE FACE. I KNEW I NEEDED TO GET LEGAL REPRESENTATION FOR THE INSURANCE SIDE OF THINGS. I HAD TO COME TO CANCER LEGAL CARE TO GET THE FOLLOW THROUGH.""CANCER LEGAL CARE WAS AS MANDATORY TO ME AND MY CANCER AS MY CT SCANS, BLOODWORK, EVERYTHING.""THE SOONER YOU CAN GET THE HELP YOU NEED, THE BETTER. THE STRESS, THE WORRY CANCER LOVES THAT AND IT WILL MAKE YOU SICKER. CANCER LEGAL CARE IS THE HUMAN SIDE OF THE LAW, AND PEOPLE CAN MAKE ALL THE LAWYER JOKES THEY WANT, BUT YOU CANNOT DO THIS ALONE. CANCER LEGAL CARE WILL GIVE YOU THE ABILITY TO CALL IT LIKE IT IS WITH YOUR INSURANCE COMPANY." 129925 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. OUR GOAL WITH ICARE IS TO MAKE A SIGNIFICANT IMPACT ON THE HEALTH AND FINANCIAL WELL-BEING OF OUR CLIENTS BY WAY OF ENSURING THAT THEIR INSURANCE COVERS WHAT IT SHOULD, AND THAT HOSPITAL BILLING AND CODING ERRORS ARE CORRECTED SO THAT OUR CLIENTS ARE NOT RESPONSIBLE FOR BILLS THAT ARE NOT THEIRS TO PAY. SINCE PILOTING THIS WORK IN 2019, WE HAVE CLOSED 176 COMPLICATED INSURANCE MATTERS WITH A 94% SUCCESS RATE FOR OUR CLIENTS. OF THESE CLOSED MATTERS, SUCCESS INCLUDED PROTECTING OR RECOVERING $4,471,875.94 IN HEALTH, DISABILITY, OR LIFE INSURANCE BENEFITS THAT HAD INITIALLY BEEN DENIED TO 85 OF OUR CLIENTS BY THEIR INSURANCE COMPANY. THE INDIVIDUAL CLIENT DOLLAR AMOUNT RANGES FROM $150 TO $565,000, WITH AN AVERAGE RECOVERY/PROTECTION OF $52,610.31 PER CLIENT. "YOUR SUPPORT MEANS THE WORLD TO ME, AND I TRULY COULDN'T HAVE DONE IT WITHOUT YOU.""THANK YOU SO MUCH FOR YOUR SUPPORT. IT TRULY FEELS LIKE SOMEONE IS FINALLY ON OUR SIDE, AND MY FAMILY AND I DEEPLY APPRECIATE IT.""THANK YOU SO MUCH FOR ALL YOU ARE DOING FOR ME. IT ALLOWS ME TO FOCUS MY ENERGY ON GETTING MY HEALTH BACK ON TRACK. DON'T KNOW HOW I WOULD HANDLE ALL THIS WITHOUT YOUR HELP."OUR ICARE PROGRAM PROVIDES SERVICES TO CLIENTS ON THE FULL SPECTRUM OF ASSISTANCE LEVELS, FROM EDUCATING CLIENTS ON PROTECTIONS OF THE LAW (SUCH AS THE NO SURPRISES ACT AND THE MINNESOTA DEBT FAIRNESS ACT), EXPLAINING BENEFITS AND CLAIM DETERMINATIONS, "COACHING" CLIENTS THROUGH THEIR OWN CLAIM DENIAL APPEALS, AND PROVIDING FULL REPRESENTATION AND CLAIM DENIAL APPEAL AND/OR MEDICAL BILLING DISPUTE HANDLING. WE TACKLE A WIDE VARIETY OF CLAIM DENIAL AND BILLING ISSUES SUCH AS MEDICAL NECESSITY, PRIOR AUTHORIZATION, OUT-OF-NETWORK, EXPERIMENTAL AND INVESTIGATIONAL PROCEDURES AND MEDICATIONS, OFF-LABEL MEDICATION USE, BILLING CODING ERRORS, PROVIDER FINANCIAL ASSISTANCE, AND GENERAL NAVIGATION OF THE INTERPLAY BETWEEN MEDICAL TREATMENT AND THE INSURANCE CLAIM PROCESS. OUR MODEL OF PROVIDING THESE SERVICES FREE OF CHARGE PROTECTS OUR CLIENTS' FINANCIAL STABILITY BY ENSURING THAT THEY DO NOT HAVE TO PAY MONEY TO RECOVER BENEFITS OR KEEP FUNDS THAT ARE RIGHTFULLY THEIRS TO BEGIN WITH. IN ADDITION TO DEALING WITH CANCER AND THE STRESSORS OF INSURANCE DENIALS, OUR ICARE CLIENTS ARE FACING INCREDIBLE FINANCIAL STRAIN. FULLY 29% OF OUR ICARE CLIENTS ARE UNDER 200% FPG (UP FROM 24% IN 2021), WITH ANOTHER 18% IN BETWEEN 200%-300% FPG. ALL OF 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. 155053 SOCIAL SECURITY APPLICATION ASSISTANCE PROGRAM (SSAAP) - IN 2025, OUR SSAAP PROGRAM ENTERED ITS 3RD YEAR, AND WE SURPASSED $1 MILLION IN BENEFITS RECOVERED ON BEHALF OF CLIENTS. WHEN THIS PROGRAM STARTED IN JANUARY 2023, OUR WORK FOCUSED ON COMPLETING SOCIAL SECURITY DISABILITY BENEFIT (EITHER SSDI OR SSI) APPLICATIONS ON BEHALF OF CANCER PATIENTS. THIS WORK CONTINUES, REDUCING BARRIERS AND ASSISTING CANCER PATIENTS WHOSE HIGH COST OF TREATMENT AND INABILITY TO WORK ARE IMPACTING THEIR ECONOMIC SECURITY AND INCREASING THEIR RISK FOR FINANCIAL TOXICITY.AFTER THREE YEARS WE HAVE LEARNED A LOT FROM OUR CLIENTS AND HOW TO BEST SUPPORT THEM IN ACCESSING THESE ESSENTIAL FINANCIAL SUPPORTS. ONE THING WE HAVE LEARNED IS THAT SOME OF OUR CLIENTS WANT TO APPLY FOR BENEFITS ON THEIR OWN BUT WITH THE KNOWLEDGE AND SUPPORT FROM A TRUSTED GUIDE TO GET THEM FROM START TO FINISH. THIS IS WHERE CANCER LEGAL CARE CAN HELP. IN THE LAST YEAR CLC ATTORNEYS HAVE GUIDED 33 CANCER PATIENTS AND CAREGIVERS THROUGH THE PROCESS OF APPLYING FOR SSDI OR SSI ON THEIR OWN.WHAT DOES THIS LOOK LIKE? OUR ATTORNEYS HELP TO ANSWER SPECIFIC QUESTIONS ON THE APPLICATION, REVIEW LETTERS FROM SOCIAL SECURITY, PROVIDE GUIDANCE ON HOW TO COMPLETE SPECIFIC FORMS, AND REMAIN A REASSURING PRESENCE THROUGHOUT THE PROCESS. WHILE WE WILL CONTINUE TO BE HERE TO COMPLETE APPLICATIONS FOR THOSE CLIENTS WHO NEED FULL ASSISTANCE, THIS WORK IS A WAY TO SUPPORTS CANCER PATIENTS WHO WANT TO ADVOCATE FOR THEMSELVES IN COMPETING THE APPLICATION ON THEIR OWN DURING A TIME OF MUCH UNCERTAINTY. AS ONE CAREGIVER RECENTLY SHARED AFTER LEARNING THEY HAD SUCCESSFULLY APPLIED FOR BENEFITS FOR A LOVED ONE ON THEIR OWN WITH THE SUPPORT FROM CLC:YOU'VE BEEN SO HELPFUL IN EXPLAINING EVERYTHING TO US IN DETAIL. WE ARE SO FORTUNATE TO HAVE YOU AS A RESOURCE, AND ARE GRATEFUL FOR YOU, YOUR EXPERTISE, AND YOUR WILLINGNESS TO HELP US DURING THIS VERY DIFFICULT TIME OF OUR FAMILY'S LIVES.NUMBER OF APPLICATIONS FILED: 104SUCCESS RATE (START OF THE PROGRAM): 80%DOLLARS RECOVERED FOR OUR CLIENTS SINCE THE START OF THE PROGRAM: $1,398,864HOUSEHOLD INCOME BELOW 200% (SINCE THE START OF THE PROGRAM): 66%NO INCOME (SINCE THE START OF THE PROGRAM): 35%GOV'T BENEFIT BASED ON NEED (SINCE THE PROGRAM STARTED): 68% 736187 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 1 0 0 0 0 0 0 0 0 0 1 2 0 1 9 1 0 0 0 0 0 0 0 0 0 0 0 0 X 11 11 0 0 1 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 DAVID MURPHY ESQ BOARD CHAIR 5.00 X X 0 0 0 MATTHEW BREDESEN ESQ VICE CHAIR/SECRETARY 5.00 X X 0 0 0 KEVIN WEHBER TREASURER 5.00 X X 0 0 0 HOWARD BOLTER ESQ BOARD MEMBER (THRU 12/2025) 3.00 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 3.00 X 0 0 0 JENNIFER HANNAN BOARD MEMBER 3.00 X 0 0 0 LASHAUNE JOHNSON PHD BOARD MEMBER 3.00 X 0 0 0 JENNIFER KUYAVA MD BOARD MEMBER (THRU 12/2025) 3.00 X 0 0 0 CATHERINE LONDON JD MPH BOARD MEMBER (THRU 12/2025) 3.00 X 0 0 0 JULIA MIGLETS-NELSON PHD BOARD MEMBER 3.00 X 0 0 0 AUSTIN MILLER ESQ BOARD MEMBER 3.00 X 0 0 0 PAULA MONTGOMERY ESQ BOARD MEMBER (THRU 12/2025) 3.00 X 0 0 0 WALTER MYERS BOARD MEMBER 3.00 X 0 0 0 SUNG JA SHIN BOARD MEMBER (THRU 12/2025) 3.00 X 0 0 0 LINDY YOKANOVICH ESQ EXECUTIVE DIRECTOR 50.00 X 140195 0 40906 140195 0 40906 1 0 1 0 0 498055 562115 1060170 INTEGRATED CLIENT SERV 624100 15750 15750 26 26 15776 29777 29777 1105723 15776 0 29777 X 181100 126675 24340 30085 500815 350177 67426 83212 14088 9878 1872 2338 55591 38980 7387 9224 53218 36984 7311 8923 2663 1975 678 10 119946 88938 30557 451 3640 3467 173 31922 18325 2627 10970 34455 22499 6701 5255 28088 18028 5127 4933 132 113 5 14 7387 6341 276 770 12016 7423 3805 788 DUES AND SUBSCRIPTIONS 5946 4410 267 1269 EVENT EXPENSES 5828 490 67 5271 GIFTS/RECOGNITION 1751 1450 110 191 CLIENT PROGRAM EXPENSE 42 34 3 5 1058628 736187 158559 163882 35769 70870 316369 330354 48836 34963 15788 19998 47604 50686 464366 506871 46206 40664 47766 48718 93972 89382 X 370394 417489 370394 417489 464366 506871 47095 0 X 0 1 X 1 0 X 618951 505767 617994 848691 1060170 3651573 618951 505767 617994 848691 1060170 3651573 672807 2978766 153 515 2653 4407 29777 37505 784 784 3689862 62636 0.80730 0.81070 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 532 697 1229 1057399 1058628 180863 45216 0 0 141250 180863 322113 483170 2564 1229 3793 35313 45216 80529 120794 2016 532 2548 0 RIGHT-OF-USE ASSETS - OPERATING LEASE 50686 50686 LONG-TERM OPERATING LEASE LIABILITY 39443 LONG-TERM FINANCE LEASE LIABILITY 9275 48718 1105723 0 1105723 0 1105723 1058628 0 1058628 0 1058628 X X 0 0 0 0 0 0 0 0 0 LINDY YOKANOVICH ESQ EXECUTIVE DIRECTOR 140195 0 0 0 0 0 6292 0 34614 0 181101 0 0 0 ESTELLA LUCIA EVALUATION LLC MORE THAN 35% OWNED BY BOARD MEMBER LASHAUNE JOHNSON, PHD 16740 BOARD MEMBER DR. LASHAUNE JOHNSON IS A HEALTH DISPARITIES RESEARCHER WITH RARE AND SPECIFIC EXPERTISE IN THE BLACK BREAST CANCER EXPERIENCE. CANCER LEGAL CARE RECEIVED A NATIONAL GRANT TO STUDY BARRIERS OUR BLACK BREAST CANCER CLIENTS EXPERIENCE IN ACCESSING SUPPORTING CANCER SERVICES SUCH AS THOSE WE PROVIDE. WE CONTRACTED WITH ESTELLE LUCIA EVALUATION LLC FOR $16,740 TO DO DEEP QUALITATIVE WORK WITH A GROUP OF CLIENTS TO LEARN HOW WE CAN IMPROVE OUR SERVICES AND REDUCE BARRIERS. DISINTERESTED BOARD MEMBERS ENGAGED IN A THOROUGH ANALYSIS OF BIDS FOR COMPARABLE WORK AS WELL AS A CONFLICTS OF INTEREST ANALYSIS AND APPROVED ENGAGING WITH DR. JOHNSON GIVEN HER UNIQUE EXPERTISE AND DONATION OF CONSIDERABLE TIME PRO BONO TO THE EFFORT. THE APPROVAL OF THE CONTRACTED WORK TOOK PLACE AT OUR DECEMBER 2024 MEETING, BUT PAYMENTS WERE NOT MADE UNTIL 2025. ALL WORK AND PAYMENTS HAVE BEEN COMPLETED BY JUNE 20, 2025. 0 FORM 990, PART III, LINE 1 HIGHLIGHTS AND IMPACT FROM CANCER LEGAL CARE'S WORK IN 2025: -IN 2025, WE MAINTAINED OUR 20%+ GROWTH IN CLIENTS SINCE 2023. -OUR WORK TOUCHED A TOTAL OF 1,365 PEOPLE LIVING IN HOUSEHOLDS WITH OUR CLIENTS, INCLUDING 282 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 $6,363,406 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. $1,337,798 OF THIS TOTAL WAS PROTECTED/RECOVERED IN 2025. -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 80 OF MINNESOTA'S 87 COUNTIES; IN 2025 OUR WORK REACHED CLIENTS LIVING IN 58 DIFFERENT MINNESOTA COUNTIES. 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 WAS 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 53. 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 2025, THIS EQUATES TO A GROSS ANNUAL INCOME OF $31,300 FOR A SINGLE PERSON AND $64,300 FOR A FAMILY OF FOUR. IN 2025, 50% OF CLIENTS WERE AT OR BELOW 200% FPG, AND 22% 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. ALL OF OUR SERVICES ARE PROVIDED FREE OF CHARGE. CLIENTS WHO NEED EXTENDED REPRESENTATION FOR FULL ESTATE PLANNING AND SOCIAL SECURITY APPLICATION NEEDS MUST MEET INCOME GUIDELINES. ADDITIONALLY, WE SERVE THE ENTIRE STATE WITH 24% OF OUR 2025 CLIENTS LIVING IN GREATER MINNESOTA AND 76% IN THE TWIN CITIES METRO AREA. IN 2025, THE AVERAGE AGE OF CLC'S CLIENTS WAS 53 YEARS - IN THE PRIME OF THEIR WORKING, AND OFTEN, FAMILY-RAISING YEARS. ADDITIONALLY, 52% OF OUR 2025 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 A, LINE 4 THE BYLAWS WERE UPDATED SEPTEMBER 16. 2025 TO CHANGE THE BOARD TERM LIMITS FROM 10 YEARS TO 6 YEARS. CURRENT SITTING BOARD MEMBERS WERE ALLOWED TO SERVE LONGER THAN 6 YEARS IF THEY DESIRED. 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. FORM 990, PART IX, LINE 11G PAYROLL FEES: PROGRAM SERVICE EXPENSES 2,249. MANAGEMENT AND GENERAL EXPENSES 773. FUNDRAISING EXPENSES 11. TOTAL EXPENSES 3,033. CONSULTANT: PROGRAM SERVICE EXPENSES 72,676. MANAGEMENT AND GENERAL EXPENSES 24,969. FUNDRAISING EXPENSES 369. TOTAL EXPENSES 98,014. INTERPRETER: PROGRAM SERVICE EXPENSES 14,013. MANAGEMENT AND GENERAL EXPENSES 4,815. FUNDRAISING EXPENSES 71. TOTAL EXPENSES 18,899.