THE MONTEFIORE HOME: Form 990EZ, tax year 2024
View the entire original 990 at ProPublica ↗
- Organization
- THE MONTEFIORE HOME (EIN 34-0714360)
- Tax period
- 2024-07-01 to 2025-06-30
- Filed
- 2026-05-15
- IRS object ID
- 202621359349203907
- Schema version
- 2024v5.5
- Source
- Download XML · Original 990 at ProPublica
Every field in the e-filed return. Faint text is the IRS element name, for citing.
- Return header
- Form 990-EZ
- Schedule A
- Schedule N
- Schedule O
- Compensation Explanation
- Transfer Prsnl Bnft Contracts Decl
Return header ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return | 2026-05-15T11:45:34-05:00 | ReturnTs |
| Tax Period End | 2025-06-30 | TaxPeriodEndDt |
Preparer Firm PreparerFirmGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Firm EIN | 331498605 | PreparerFirmEIN |
Preparer Firm Name PreparerFirmName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | PLANTE & MORAN PLLC | BusinessNameLine1Txt |
Preparer US Address PreparerUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 250 S HIGH ST SUITE 100 | AddressLine1Txt |
| City | COLUMBUS | CityNm |
| State Abbreviation | OH | StateAbbreviationCd |
| ZIP | 43215 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990EZ | ReturnTypeCd |
| Tax Period Begin | 2024-07-01 | TaxPeriodBeginDt |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 340714360 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | THE MONTEFIORE HOME | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Control | MONT | BusinessNameControlTxt |
| Phone | 6142043970 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 425 WEST NEW ENGLAND AVE 300 | AddressLine1Txt |
| City | WINTER PARK | CityNm |
| State Abbreviation | FL | StateAbbreviationCd |
| ZIP | 32789 | ZIPCd |
Business Officer BusinessOfficerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | JODI NADERHOFF | PersonNm |
| Person Title | CFO | PersonTitleTxt |
| Phone | 6142043970 | PhoneNum |
| Signature | 2026-05-12 | SignatureDt |
| Discuss With Paid Preparer | Yes (1) | DiscussWithPaidPreparerInd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| IRS Responsible Prty Info Curr | Yes (1) | IRSResponsiblePrtyInfoCurrInd |
Preparer Person PreparerPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Person | AMY CIMINELLO | PreparerPersonNm |
| PTIN | P00796388 | PTIN |
| Phone | 6148493000 | PhoneNum |
| Preparation | 2026-04-16 | PreparationDt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax | 2024 | TaxYr |
| Build TS | 2025-03-06 01:10:19Z | BuildTS |
Form 990-EZ IRS990EZ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Method Of Accounting Accrual | Yes (X) | MethodOfAccountingAccrualInd |
| Schedule B Not Required | Yes (X) | ScheduleBNotRequiredInd |
| Organization501c3 | Yes (X) | Organization501c3Ind |
| Type Of Organization Corp | Yes (X) | TypeOfOrganizationCorpInd |
| Gross Receipts | $189,819 | GrossReceiptsAmt |
| Info In Schedule O Part I | Yes (X) | InfoInScheduleOPartIInd |
| Cost Or Other Basis Expense Sale | $74 | CostOrOtherBasisExpenseSaleAmt |
| Gain Or Loss From Sale Of Assets | -$74 | GainOrLossFromSaleOfAssetsAmt |
| Other Revenue Total | $189,819 | OtherRevenueTotalAmt |
| Total Revenue | $189,745 | TotalRevenueAmt |
| Salaries Other Comp Empl Bnft | $164,288 | SalariesOtherCompEmplBnftAmt |
| Fees And Other Pymt To Ind Cntrct | $216,086 | FeesAndOtherPymtToIndCntrctAmt |
| Occupancy Rent Utlts And Maint | $169,652 | OccupancyRentUtltsAndMaintAmt |
| Printing Publications Postage | $10,915 | PrintingPublicationsPostageAmt |
| Other Expenses Total | $938,026 | OtherExpensesTotalAmt |
| Total Expenses | $1,498,967 | TotalExpensesAmt |
| Excess Or Deficit For Year | -$1,309,222 | ExcessOrDeficitForYearAmt |
| Net Assets Or Fund Balances BOY | -$1,762,544 | NetAssetsOrFundBalancesBOYAmt |
| Other Changes In Net Assets | $2,000,000 | OtherChangesInNetAssetsAmt |
| Net Assets Or Fund Balances EOY | -$1,071,766 | NetAssetsOrFundBalancesEOYAmt |
| Info In Schedule O Part II | Yes (X) | InfoInScheduleOPartIIInd |
Cash Savings And Investments CashSavingsAndInvestmentsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $663,232 | BOYAmt |
| EOY | $212,793 | EOYAmt |
Other Assets Total Detail OtherAssetsTotalDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $3,250,347 | BOYAmt |
| EOY | $0 | EOYAmt |
Form990 Total Assets Form990TotalAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $3,913,579 | BOYAmt |
| EOY | $212,793 | EOYAmt |
Sum Of Total Liabilities SumOfTotalLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $5,676,123 | BOYAmt |
| EOY | $1,284,559 | EOYAmt |
Net Assets Or Fund Balances NetAssetsOrFundBalancesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | -$1,762,544 | BOYAmt |
| EOY | -$1,071,766 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part III | Yes (X) | InfoInScheduleOPartIIIInd |
| Primary Exempt Purpose | THE ORGANIZATION SOLD ITS OPERATIONS IN DECEMBER 2023 AND IS NOW IN WINDUP MODE. IT IS NO LONGER CONDUCTING NEW BUSINESS, FOCUSING INSTEAD ON SETTLING REMAINING ASSETS AND LIABILITIES AND CLOSING OUT EXISTING MATTERS. | PrimaryExemptPurposeTxt |
Program Srvc Accomplishment ProgramSrvcAccomplishmentGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description Program Srvc Accom | THE ORGANIZATION SOLD ITS OPERATIONS IN DECEMBER 2023 AND IS NOW IN WINDUP MODE. IT IS NO LONGER CONDUCTING NEW BUSINESS, FOCUSING INSTEAD ON SETTLING REMAINING ASSETS AND LIABILITIES AND CLOSING OUT EXISTING MATTERS. | DescriptionProgramSrvcAccomTxt |
| Grants And Allocations | $0 | GrantsAndAllocationsAmt |
| Program Service Expenses | $0 | ProgramServiceExpensesAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Expenses | $0 | TotalProgramServiceExpensesAmt |
| Info In Schedule O Part IV | Yes (X) | InfoInScheduleOPartIVInd |
Officer Director Trustee Empl OfficerDirectorTrusteeEmplGrp (5 entries)
| TitleTitleTxt | Average Hrs Per Wk Devoted To PosAverageHrsPerWkDevotedToPosRt | CompensationCompensationAmt | Employee Benefit ProgramEmployeeBenefitProgramAmt | Expense Account Other AllwncExpenseAccountOtherAllwncAmt |
|---|---|---|---|---|
| JODI NADERHOFF | ||||
| CFO | 1.00 | $0 | $0 | $0 |
| HARRY SINGER | ||||
| CHAIRMAN | 1.00 | $0 | $0 | $0 |
| MARC SILVERSTEIN | ||||
| SECRETARY | 1.00 | $0 | $0 | $0 |
| ADAM WIEDER | ||||
| TREASURER | 1.00 | $0 | $0 | $0 |
| LARRY MACK | ||||
| ASSOCIATE TREASURER | 1.00 | $0 | $0 | $0 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part V | Yes (X) | InfoInScheduleOPartVInd |
| Activities Not Previously Rpt | 0 | ActivitiesNotPreviouslyRptInd |
| Chg Made To Orgnzng Doc Not Rpt | 0 | ChgMadeToOrgnzngDocNotRptInd |
| Organization Had UBI | 0 | OrganizationHadUBIInd |
| Subject To Proxy Tax | 0 | SubjectToProxyTaxInd |
| Organization Dissolved Etc | Yes (1) | OrganizationDissolvedEtcInd |
| Direct Indirect Pltcl Expend | $0 | DirectIndirectPltclExpendAmt |
| Made Loans To From Officers | 0 | MadeLoansToFromOfficersInd |
| Tax Imposed Under IRC4911 | $0 | TaxImposedUnderIRC4911Amt |
| Tax Imposed Under IRC4912 | $0 | TaxImposedUnderIRC4912Amt |
| Tax Imposed Under IRC4955 | $0 | TaxImposedUnderIRC4955Amt |
| Engaged In Excess Benefit Trans | 0 | EngagedInExcessBenefitTransInd |
| Tax Imposed On Organization Mgr | $0 | TaxImposedOnOrganizationMgrAmt |
| Tax Reimbursed By Organization | $0 | TaxReimbursedByOrganizationAmt |
| Prohibited Tax Shelter Trans | 0 | ProhibitedTaxShelterTransInd |
| States Where Copy Of Return Is Fld | OH | StatesWhereCopyOfReturnIsFldCd |
Books In Care Of Detail BooksInCareOfDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | JODI NADERHOFF | PersonNm |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 425 WEST NEW ENGLAND AVE SUITE 300 | AddressLine1Txt |
| City | WINTER PARK | CityNm |
| State Abbreviation | FL | StateAbbreviationCd |
| ZIP | 32789 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Phone | 6142043970 | PhoneNum |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Foreign Financial Account | 0 | ForeignFinancialAccountInd |
| Foreign Office | 0 | ForeignOfficeInd |
| Donor Advised Fnds | 0 | DonorAdvisedFndsInd |
| Operate Hospital | 0 | OperateHospitalInd |
| Tanning Services Provided | 0 | TanningServicesProvidedInd |
| Related Organization Ctrl Ent | Yes (1) | RelatedOrganizationCtrlEntInd |
| Transaction With Control Ent | 0 | TransactionWithControlEntInd |
| Political Campaign Acty | 0 | PoliticalCampaignActyInd |
| Lobbying Activities | 0 | LobbyingActivitiesInd |
| School Operating | 0 | SchoolOperatingInd |
| Trnsfr Exmpt Non Chrtbl Rltd Org | 0 | TrnsfrExmptNonChrtblRltdOrgInd |
| Part VI Of Comp Of Hghst Pd Empl | NONE | PartVIOfCompOfHghstPdEmplTxt |
| Other Employee Paid Over100k | 2 | OtherEmployeePaidOver100kCnt |
Compensation Of Hghst Pd Cntrct CompensationOfHghstPdCntrctGrp (3 entries)
| Address Line1USAddress/AddressLine1Txt | CityUSAddress/CityNm | State AbbreviationUSAddress/StateAbbreviationCd | ZIPUSAddress/ZIPCd | Service TypeServiceTypeTxt | CompensationCompensationAmt |
|---|---|---|---|---|---|
| FINANCIAL EXECUTIVE SERVICES | |||||
| 5255 HAMPTON LANE | COLUMBUS | OH | 43220 | CONSULTING | $398,740 |
| ROLF GOFFMAN MARTIN LANG LLP | |||||
| PO BOX 72194 | CLEVELAND | OH | 441920002 | LEGAL SERVICES | $169,179 |
| BONEZZI SWITZER POLITO & PERRY CO LPA | |||||
| 1300 E 9TH STREET | CLEVELAND | OH | 441141501 | LEGAL SERVICES | $109,488 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Cntrct Rcvd Greater Than100 K | 3 | CntrctRcvdGreaterThan100KCnt |
| Filed Schedule A | Yes (1) | FiledScheduleAInd |
Schedule A IRS990ScheduleA
| Field | Value | IRS element (for citing) |
|---|---|---|
| Publicly Supported Org509a2 | Yes (X) | PubliclySupportedOrg509a2Ind |
Gifts Grants Contris Rcvd509 GiftsGrantsContrisRcvd509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $2,150,171 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $2,439,029 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $6,340,544 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $476,648 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $0 | CurrentTaxYearAmt |
| Total | $11,406,392 | TotalAmt |
Gross Receipts Admissions GrossReceiptsAdmissionsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $22,500,764 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $17,592,979 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $18,121,435 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $10,888,935 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $19,082 | CurrentTaxYearAmt |
| Total | $69,123,195 | TotalAmt |
Total509 Total509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $24,650,935 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $20,032,008 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $24,461,979 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $11,365,583 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $19,082 | CurrentTaxYearAmt |
| Total | $80,529,587 | TotalAmt |
Amounts Rcvd Dsqlfy Person AmountsRcvdDsqlfyPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Substantial Contributors Amt SubstantialContributorsAmtGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus2 Years | $1,962,000 | CurrentTaxYearMinus2YearsAmt |
| Total | $1,962,000 | TotalAmt |
Subst And Dsqlfy Prsns Tot SubstAndDsqlfyPrsnsTotGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus2 Years | $1,962,000 | CurrentTaxYearMinus2YearsAmt |
| Total | $1,962,000 | TotalAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Public Support Total509 | $78,567,587 | PublicSupportTotal509Amt |
Gross Investment Income509 GrossInvestmentIncome509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $265,174 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $3,614 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $45 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $9,515 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $0 | CurrentTaxYearAmt |
| Total | $278,348 | TotalAmt |
Investment Income And UBTI InvestmentIncomeAndUBTIGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $265,174 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $3,614 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $45 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $9,515 | CurrentTaxYearMinus1YearAmt |
| Total | $278,348 | TotalAmt |
Other Income509 OtherIncome509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $86,364 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $46,513 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $69,961 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $241,794 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $170,737 | CurrentTaxYearAmt |
| Total | $615,369 | TotalAmt |
Total Support Calendar Year TotalSupportCalendarYearGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $25,002,473 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $20,082,135 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $24,531,985 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $11,616,892 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $189,819 | CurrentTaxYearAmt |
| Total | $81,423,304 | TotalAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Public Support CY509 | 0.96490 | PublicSupportCY509Pct |
| Public Support PY509 | 0.99190 | PublicSupportPY509Pct |
| Investment Income CY | 0.00340 | InvestmentIncomeCYPct |
| Investment Income PY | 0.00280 | InvestmentIncomePYPct |
| Thirty Thr Pct Suprt Tests CY509 | Yes (X) | ThirtyThrPctSuprtTestsCY509Ind |
Schedule N IRS990ScheduleN
Disposition Of Assets Detail DispositionOfAssetsDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Assets Distri Or Expnss Paid | INTERCOMPANY W/O | AssetsDistriOrExpnssPaidDesc |
| Distribution | 2025-06-30 | DistributionDt |
| Fair Market Value Of Asset | $1,338,588 | FairMarketValueOfAssetAmt |
| Method Of FMV Determination | ACTUAL COST | MethodOfFMVDeterminationTxt |
| EIN | 340714443 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | MENORAH PARK CENTER FOR SENIOR LIVING | BusinessNameLine1Txt |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 425 WEST NEW ENGLAND AVE SUITE | AddressLine1Txt |
| City | WINTER PARK | CityNm |
| State Abbreviation | FL | StateAbbreviationCd |
| ZIP | 32789 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| IRC Section | 501(C)(3) | IRCSectionTxt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Director Of Successor2 | 0 | DirectorOfSuccessor2Ind |
| Employee Of Successor2 | 0 | EmployeeOfSuccessor2Ind |
| Owner Of Successor2 | 0 | OwnerOfSuccessor2Ind |
| Receive Compensation2 | 0 | ReceiveCompensation2Ind |
Schedule O IRS990ScheduleO
Supplemental Information Detail SupplementalInformationDetail (5 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| FORM 990-EZ, PART I, LINE 8 - OTHER REVENUE | DESCRIPTION: VENDOR SETTLEMENTS. AMOUNT: 76,387. DESCRIPTION: REPAYMENTS RECEIVED. AMOUNT: 92,564. DESCRIPTION: VENDOR REFUNDS. AMOUNT: 1,786. DESCRIPTION: RECOVERED BAD DEBT. AMOUNT: 19,082. TOTAL TO FORM 990-EZ, LINE 8: 189,819. |
| FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES | DESCRIPTION: BAD DEBT EXPENSE. AMOUNT: 447,593. DESCRIPTION: LIABILITY INSURANCE. AMOUNT: 418,093. DESCRIPTION: SUPPLIES. AMOUNT: 72,340. TOTAL TO FORM 990-EZ, LINE 16: 938,026. |
| FORM 990-EZ, PART I, LINE 20 - OTHER CHANGES IN NET ASSETS | DESCRIPTION: DISTRIBUTION FROM AFFILIATED ORGANIZATION. AMOUNT: 2,000,000. |
| FORM 990-EZ, PART II, LINE 24 - OTHER ASSETS | DESCRIPTION: ACCOUNTS RECEIVABLE . BEG. OF YEAR AMOUNT: 2,870,613. END OF YEAR AMOUNT: 0. DESCRIPTION: PREPAID EXPENSES. BEG. OF YEAR AMOUNT: 379,734. END OF YEAR AMOUNT: 0. |
| FORM 990-EZ, PART II, LINE 26 - OTHER LIABILITIES | DESCRIPTION: ACCOUNTS PAYABLE. BEG. OF YEAR AMOUNT: 5,207,590. END OF YEAR AMOUNT: 816,026. DESCRIPTION: ESTIMATED THIRD PARTY SETTLEMENTS . BEG. OF YEAR AMOUNT: 468,533. END OF YEAR AMOUNT: 468,533. |
Compensation Explanation CompensationExplanation
Compensation Explanation CompensationExplanationGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | JODI NADERHOFF | PersonNm |
| Short Explanation | MANAGEMENT AND ADMINISTRATIVE SERVICES ARE PROVIDED UNDER A CONTRACT WITH AN OUTSIDE MANAGEMENT COMPANY, FINANCIAL EXECUTIVE SERVICES. THE INDIVIDUAL LISTED IN PART IV IS AN EMPLOYEE OF THE MANAGEMENT COMPANY AND RECEIVES NO DIRECT COMPENSATION FROM THE ORGANIZATION. | ShortExplanationTxt |
Transfer Prsnl Bnft Contracts Decl TransferPrsnlBnftContractsDecl
| Field | Value | IRS element (for citing) |
|---|---|---|
| Declaration | THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT. | DeclarationDesc |