Benefit Commerce Group, an Alera Group Company

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Let’s Erase Medical Debt This Holiday Season!

Instead of chocolates, fruit baskets or those types of items this holiday season, Benefit Commerce Group decided on a meaningful gift for our community.

We are making a donation in honor of Benefit Commerce Group’s clients to help pay off medical debt for individuals and families.

Medical debt is a topic that is near and dear to our hearts, as part of the health insurance industry. More than 60% of bankruptcies in our nation have medical debt as the root cause.

In this season of giving, we believe this is a most appropriate way to honor our clients.

And you have the opportunity to add to this effort by making your own tax-deductible contribution.

What kind of impact can we have?

In recent years, through this same program, we relieved medical debt for over 6,500 individuals …for a total of over $5.8 MILLION.
Undue Medical Debt is an amazing organization that is able to leverage our contributions to wipe out $100 in debt for every dollar we donate.

They identify individuals and families with outstanding healthcare-related bills, and they purchase the debts for those most in need in bundled portfolios for a fraction of their face value. That is how one dollar donated relieves $100 of medical debt on average.

Founded by two former debt collectors, Undue Medical Debt (formerly RIP Medical Debt) has purchased medical debt in more than 200 cities located in 35 counties across the country. This organization has relieved over $14 BILLION in medical debt in the past 10 years. You can visit https://unduemedicaldebt.org/ for more information.

If you would like to donate, please click on the “Donate” button and click on “DONATE TO THIS CAMPAIGN.” You will receive a tax letter to show your contribution.

The FAQs on the website of Undue Medical Debt provide more information.

Happy Holidays to you, your family and your work family!!

Campaign Support Recipients

Nationwide

Arizona

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How Undue Works

Over a hundred million Americans, one in three, struggles with the weight of medical debt.

Who We Help

Debt Resources

You make a donation
- We use data analytics to pinpoint the debt of those most in need: households that earn less than 4x the federal poverty level (varies by state, family size) or whose debts are 5% or more of annual income.
Undue buys medical debt at a steep discount
- We buy debt in bundles, millions of dollars at a time at a fraction of the original cost. This means your donation relieves about 100x its value in medical debt.
Together we wipe out medical debt
- People across the country receive letters that their debt has been erased. They have no tax consequences or penalties to consider. Just like that, they’re free of medical debt.

Frequently Asked Questions

Is my donation tax deductible?

Yes. We are a 501(c)(3) charity and your donation is 100% tax deductible.

Who qualifies for medical debt relief?

When we purchase a portfolio of medical debt, we abolish debt for individuals who:

Earn 4x or below the federal poverty level
Have medical debt that is 5 percent or more of their annual income.

We only buy debt that meets at least one of these criteria.

We never collect on debt we purchase, only relieve it.

Do recipients of debt relief have any adverse consequences?

No. With your help, we abolish medical debt permanently. Recipients have no adverse tax consequences, obligations or strings attached.

Medical debt relief is a gift from a detached and disinterested third party (Undue) as an act of generosity, so relief of the debt does not count as income to the debtor. We will not file a Form 1099-C with the IRS.

Can donors see whose debt is relieved by their donation?

Due to HIPAA laws, Undue Medical Debt cannot disclose the names, contact information or any other specific details of the debt relief beneficiaries.

Can I apply for debt relief?

Undue Medical Debt cannot relieve debt by individual request.

While we would love to help everyone who needs assistance, Undue cannot abolish medical debt for specific individuals. We acquire large, bundled portfolios of debt to help thousands of people at once and we can only erase debts that providers like hospitals and physicians are willing to sell to us.

Because medical debt affects so many people who may not have debt accounts in the portfolios we purchase, we have compiled a list of resources that may be able to help.

About Undue

Undue Medical Debt is a national 501(c)(3) nonprofit which leverages donations to buy large, bundled medical debts at steep discounts, providing immediate, no strings attached relief to financially vulnerable families. On average one dollar donated erases $100 of medical debt. We also help people with medical debt share their stories, which informs our approach to fixing the healthcare system, whether by policy solutions or collaborating with likeminded partners.

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