Welfare, Life Insurance & Bereavement Support

Official Policy

Comprehensive support system for our community members and their families during times of need

$100
Pre-Death Contribution
12hrs
Collection Lock Period
40
Days of Support
48-72hrs
Family Payment Window

SECTION 1 — ESTABLISHMENT OF WLIBSC

Welfare, Life Insurance & Bereavement Support Committee

1.1 Name

Welfare, Life Insurance & Bereavement Support Committee (WLIBSC)

1.2 Formation Authority

Created under Article 9.2 by the Steering Committee.

1.3 Purpose

Comprehensive community welfare operations

Committee Purpose & Responsibilities

Pre-death welfare fund collection
Funeral & burial support
Family financial assistance
40-day meal rotation system
Community emotional support
Group life insurance enrollment
Funeral volunteer corps
Emergency assistance
Member memorial & legacy program
Grief counseling coordination

SECTION 2 — PRE-DEATH WELFARE FUND MODEL

Comprehensive fund management system

2.1 Collection Process

Pre-death fund collection mechanism

  • 1
    Every active monthly-subscriber member contributes $100 BEFORE any death occurs
  • 2
    Collection window: 7 days
  • 3
    Fund kept as Welfare Standby Fund

2.2 Lock Mechanism

Automatic collection pause system

  • When the FIRST death occurs → Collection stops for 12 hours
  • Funeral process begins immediately
  • After 12 hours → normal collection resumes

2.3 Multiple Deaths Exception

Emergency protocol for simultaneous deaths

If TWO deaths occur:

  • Steering Committee instantly releases emergency funds
  • Funeral process starts immediately
  • Collection from members begins afterwards to replenish the main fund
  • Steering Committee remains in 24/7 standby mode

SECTION 3 — FUND USAGE

Guidelines for approved expenses and family payments

3.1 Approved Expenses

  • Mosque/funeral home charges
  • Ghusl & Kafan supplies
  • Janaza arrangements
  • Body transportation (NOT family transportation)
  • Emergency burial-related expenses

3.2 Graveyard Exception

Final Version:

HJFF pays graveyard-related costs ONLY IF the family does NOT already own a burial plot.

If family owns a plot → HJFF does NOT purchase or contribute to plot cost.

3.3 Payment to Family

After all funeral expenses:

All remaining funds paid directly to spouse/children

Payment delivered within 48–72 hours

SECTION 4 — 40-DAY MEAL & FAMILY SUPPORT PROGRAM

Separate from Welfare Fund — Comprehensive family support system

4.1 Meal Rotation

  • Members volunteer to provide food each day
  • Committee creates a 40-day schedule
  • Meals delivered respectfully

4.2 Emotional & Community Support

Committee arranges:

  • Daily/weekly check-ins
  • Community visits
  • Help with paperwork
  • Counseling referral

SECTION 5 — GROUP LIFE INSURANCE MODEL

Insurance enrollment and coverage guidelines

5.1 Premium Payment Rule

Each eligible member:

Pays their OWN premium directly to insurer

Welfare Fund does NOT pay insurance premium.

5.2 Non-Eligible Members

Even if not medically eligible for insurance:

They still receive:

  • Full funeral support
  • Burial support
  • Remaining welfare funds

SECTION 6 — MEMBERSHIP CONTINUITY AFTER DEATH

Guidelines for family members continuing membership

Upon the death of a member:

Continuity Members

Spouse or children may join as Continuity Members

No Waiting Period

Immediate eligibility

Same Dues

Same dues as regular members

Full Participation

Eligible for future programs

SECTION 7 — ADDITIONAL RECOMMENDATIONS

Now Officially Included — Enhanced support systems and services

7.1 Digital Portal

  • Online payments
  • Case tracking
  • Transparency dashboard
  • Volunteer coordination
  • Notification system

7.2 Emergency Reserve Fund

  • $10,000 minimum
  • Immediate funds
  • Multiple deaths
  • High-cost emergencies

7.3 Funeral Volunteer Corps

  • Ghusl training
  • Kafan procedures
  • Janaza management
  • Graveyard procedures
  • Emergency logistics

7.4 Government Benefits

  • NYC Burial Assistance
  • Medicaid Funeral Benefits
  • Religious burial grants
  • Application help

7.5 Burial Preference Form

  • Cemetery preference
  • Overseas burial option
  • Family plot info
  • Emergency contacts
  • Advance instructions

7.6 Transparency Report

  • Total collected
  • Total spent
  • Number of deaths
  • Family support
  • Remaining balance

7.7 Mental Health & Counseling

  • Imam partnership
  • Muslim counselor
  • Community mentor
  • 2-3 grief sessions

7.8 Legacy & Memorial

  • Annual memorial dua
  • Memorial Honor Book
  • Community recognition
  • Children support

SECTION 8 — FINAL SOP

End-to-End Funeral Process — Complete workflow from notification to closure

1

Notification & Verification

Confirm death, verify membership, activate committee, notify Executive Board

2

Lock Welfare Fund

Stop collection for 12 hours, calculate available balance

3

Funeral Preparation

Ghusl, Kafan, Janaza schedule, body transportation

4

Burial Process

Cemetery arrangements, pay plot fees ONLY if family has none, perform burial

5

Financial Support

Pay remaining funds to family (within 48–72 hrs)

6

40-Day Support

Daily meal rotation, emotional/spiritual support

7

Closure

Treasurer logs expenses, committee submits final report, Steering Committee reviews, add to Memorial Honor List

VISUAL DIAGRAMS

Full Workflows

A. Full Funeral Workflow

Death Occurs
↓
Verification → Activate Committee → Stop Fund Collection (12 hrs)
↓
Funeral Prep (Ghusl/Kafan/Janaza)
↓
Burial (Plot Exception)
↓
Remaining Funds → Family
↓
40-Day Support (Meals + Visits)
↓
Case Closed → Memorial Honor List

B. Fund Management Model

Members Pay $100 → Welfare Standby Fund
↓
Death Happens → Lock 12 Hours
↓
Expenses Paid → Family Gets Remaining
↓
Resume Collection

C. Multiple Deaths Exception

Two Deaths Occur
↓
Steering Committee Releases Emergency Funds
↓
Funerals Proceed Immediately
↓
Members Pay $100 → Fund Replenished

D. Life Insurance Process

Member Applies
↓
Insurer Reviews
↓
Eligible → Member Pays Premium
OR
Not Eligible → Still Gets Full Funeral Support

COMMITTEE CHARTER — WLIBSC

Legal Governance Document — Official committee structure and responsibilities

1

NAME

Welfare, Life Insurance & Bereavement Support Committee.

2

AUTHORITY

Authorized under Article 9.2 of the HJFF bylaws by the Steering Committee.

3

PURPOSE

The Committee exists to manage all welfare funds, ensure proper funeral & burial support, oversee life insurance enrollment, manage 40-day support system, train and mobilize volunteers, provide family assistance, serve as community support pillar, and maintain transparency and justice.

  • Manage all welfare funds
  • Ensure proper funeral & burial support
  • Oversee life insurance enrollment
  • Manage 40-day support system
  • Train and mobilize volunteers
  • Provide family assistance
  • Serve as community support pillar
  • Maintain transparency and justice
4

MEMBERSHIP

The Committee shall consist of:

  • 1 Chair
  • 1 Vice-Chair
  • 1 Treasurer Liaison
  • 1 Funeral Logistics Manager
  • 1 Meal Coordination Manager
  • 1 Insurance Coordinator
  • 1 Digital System Coordinator
  • 3–7 General Committee Members
5

MEETINGS

  • Monthly meetings required
  • Emergency meetings as needed
  • Records kept by Secretary of Committee
6

DUTIES

  • Chair: Oversees all operations, reports to Steering Committee
  • Treasurer Liaison: Manages fund collection, tracks expenses
  • Funeral Logistics Manager: Handles body preparation, Janaza & graveyard coordination
  • Meal Coordination Manager: Creates 40-day food schedule
  • Insurance Coordinator: Helps members enroll, assists families in claims
  • Digital Coordinator: Manages digital portal, ensures online data accuracy
7

TRANSPARENCY

Committee must publish:

  • Annual financial report
  • Monthly updates to Steering Committee
8

TERMINATION

Committee may be dissolved by Steering Committee majority vote.

Need Support or Have Questions?

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