By Chandra Harris-McCray
Don Riley was not a typical medical student. Already in his late 20s, married and with a daughter on the brink of death battling an acute form of meningitis, Don barely got to know his classmates, let alone attend a football game or club meeting, while a student at the University of Tennessee Health Science Center from 1970 to 1973.
In between classes, night jobs and spending hours on end at the hospital, Don got an hour of sleep from 4:30 to 5:30 a.m. and sometimes barely had a chance to shower. The basics of life seemed trivial to Don and not as important as being by the bedside of his critically-ill, then 4-year-old daughter, Cindy, and his wife, Pat. "I was 15 months in as a medical student and my daughter was dying," he says.
Suffering from a blood-clotting disorder as the complications of meningitis ravaged her small body, Cindy's life was spared at the hands of doctors and UT Health Science Center medical residents, who stepped out on a limb to try a new drug therapy and other treatments.
The indelible memories of 22 surgeries and spending three months and a day in the hospital are etched in Don's mind. "My wife would bandage and dress every wound. Once my daughter's big toe fell off in her hand, but she just kept going, as if nothing happened," he recalls. "She showed me what true strength, grace and courage are."
Stretching Each Dollar
An unwavering determination prevailed as Don sold the little house in East Memphis that his family had known as home in order to be able to pay his tuition for medical school. With the gift of money collected by his neighbors and a landlord willing to bend the rules and lease to someone unemployed, Don moved his family into a small apartment.
"We received a medical bill of $32,000 and it might as well have been for $350 million, because no matter the amount, we just did not have it," Don says. The hospital wrote off the entire bill. "UT lengthened medical student insurance coverage as a result of our experience," Don says.
Never Giving Up His Dream
As hard as things seemed, Don's thoughts never turned to withdrawing from medical school. That same steadfastness and confidence that got him through his daughter's illness is what got him into medical school. "I knew I was older than most in medical school, but I also knew I would not be turned down. Life experiences had not prepared me to be turned down or to be a quitter. And if I had been turned down, I would have applied for the next class, and if they continued to be misguided, then I would continue reapplying until they came to their senses," Don recalls saying during his interview for admission into medical school.
Wearing a suit first worn by his father, Don sat in front of Pat Wall, the former chancellor of the UT Health Science Center—who was then serving on the medical school's admission committee—unaware that one of his coat sleeves still had the dry cleaners tag attached. "I really thought I was the big cheese," Don says, laughing at himself, "until I got home and my wife asked, 'What is that on your sleeve?'"
The letter inside an orange-striped envelope sealed his fate and what his church-going, Bible-toting grandmother always believed. "She would always say, 'Son, you are going to be my doctor.' She was right," Don says. "She was a pillar in the church. When the church doors were opened, she was the one who opened them, so you would think she would have wanted me to be a minister. No, she wanted me to be a doctor."
A Long Journey
At 15, baseball was on Don's mind. After being heavily recruited, he was offered a baseball scholarship to Ole Miss. "But I said, 'No, thank you.'" Instead, he decided to attend the University of Alabama to be closer to the former Mississippi State College for Women in Columbus, Miss., where his future wife was enrolling. However, after the death of his younger brother and father, Don moved to Memphis to be with his mother and siblings.
After working for several years in restaurant and telephone management, Don enrolled in classes at Memphis State University, now the University of Memphis. "I had a physics teacher who considered UT medical graduates the best. You had to get through the physics classes of Dr. C.C. Ijams to determine if you had what he thought were the necessary skills to be a medical student at UT." Don proved he had what it took to succeed in medicine.
Upon graduating with his medical degree from the UT Heath Science Center, Don became a radiologist, eventually retiring in 2003. "I would still be practicing, but for the first time in my life, I did not want to do what I loved anymore," he says.
Don lost Pat, his wife of almost 40 years, in 2001-the day before 9/11. Congenital heart disease, literally, took the life out of the woman he first laid eyes on in Mrs. Adams' eighth-grade math class. "It took her a few years to come around," Don says with a jovial smirk, "but I always knew she would be mine."
Helping Others Through His Will
"She taught me some of life's greatest lessons," Don says of Pat. "I never decline to help anyone who needs my help. The medical staff of UT and Le Bonheur Children's Medical Center saved my daughter's life, so my gift is just a small token of my gratitude," he says.
Don's generous bequest will be used to benefit cardiology, pediatrics and radiology, as well as to establish scholarships for students in the College of Medicine. "It was UT," he says, "that helped me fulfill my dream of practicing medicine."
If you would like to include UT in your will or explore other gift options that may be right for you, contact the Office of Planned Giving at (865) 974-4826 or email@example.com.
The information on this website is not intended as legal or tax advice. For such advice, please consult an attorney or tax advisor. Figures cited in examples are for hypothetical purposes only and are subject to change. References to estate and income taxes include federal taxes only. State income/estate taxes or state law may impact your results. Annuities are subject to regulation by the State of California. Payments under such agreements, however, are not protected or otherwise guaranteed by any government agency or the California Life and Health Insurance Guarantee Association. A charitable gift annuity is not regulated by the Oklahoma Insurance Department and is not protected by a guaranty association affiliated with the Oklahoma Insurance Department. Charitable gift annuities are not regulated by and are not under the jurisdiction of the South Dakota Division of Insurance.
A charitable bequest is one or two sentences in your will or living trust that leave to The University Of Tennessee a specific item, an amount of money, a gift contingent upon certain events or a percentage of your estate.
an individual or organization designated to receive benefits or funds under a will or other contract, such as an insurance policy, trust or retirement plan
"I, [name], of [city, state, ZIP], give, devise and bequeath to The University Of Tennessee [written amount or percentage of the estate or description of property] for its unrestricted use and purpose."
able to be changed or cancelled
A revocable living trust is set up during your lifetime and can be revoked at any time before death. They allow assets held in the trust to pass directly to beneficiaries without probate court proceedings and can also reduce federal estate taxes.
cannot be changed or cancelled
tax on gifts generally paid by the person making the gift rather than the recipient
the original value of an asset, such as stock, before its appreciation or depreciation
the growth in value of an asset like stock or real estate since the original purchase
the price a willing buyer and willing seller can agree on
The person receiving the gift annuity payments.
the part of an estate left after debts, taxes and specific bequests have been paid
a written and properly witnessed legal change to a will
the person named in a will to manage the estate, collect the property, pay any debt, and distribute property according to the will
A donor advised fund is an account that you set up but which is managed by a nonprofit organization. You contribute to the account, which grows tax-free. You can recommend how much (and how often) you want to distribute money from that fund to UT or other charities. You cannot direct the gifts.
An endowed gift can create a new endowment or add to an existing endowment. The principal of the endowment is invested and a portion of the principal’s earnings are used each year to support our mission.
Tax on the growth in value of an asset—such as real estate or stock—since its original purchase.
Securities, real estate, or any other property having a fair market value greater than its original purchase price.
Real estate can be a personal residence, vacation home, timeshare property, farm, commercial property or undeveloped land.
A charitable remainder trust provides you or other named individuals income each year for life or a period not exceeding 20 years from assets you give to the trust you create.
You give assets to a trust that pays our organization set payments for a number of years, which you choose. The longer the length of time, the better the gift tax savings to you. When the term is up, the remaining trust assets go to you, your family or other beneficiaries you select. This is an excellent way to transfer property to family members at a minimal cost.
You fund this type of trust with cash or appreciated assets—and receive an immediate federal income tax charitable deduction. You can also make additional gifts; each one also qualifies for a tax deduction. The trust pays you, each year, a variable amount based on a fixed percentage of the fair market value of the trust assets. When the trust terminates, the remaining principal goes to UT as a lump sum.
You fund this trust with cash or appreciated assets—and receive an immediate federal income tax charitable deduction. Each year the trust pays you or another named individual the same dollar amount you choose at the start. When the trust terminates, the remaining principal goes to UT as a lump sum.
A beneficiary designation clearly identifies how specific assets will be distributed after your death.
A charitable gift annuity involves a simple contract between you and UT where you agree to make a gift to UT and we, in return, agree to pay you (and someone else, if you choose) a fixed amount each year for the rest of your life.