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Areivim USA is a dignified way to give צדקה. It is not Life Insurance and doesn't guarantee any sort of financial protection to its members. it is registered as a religious organization and as such isn't required to incur the additional cost of preparing and filing form 990 with the IRS.

http://www.areivim.info/rform.php

Eb228
Quote
I spoke to Areivim at length as I sell life insurance and wanted to best advise ppl that had Areivim already and wanted to supplement it with LI.
I was told that it has never happened that Areivim declined to pay out based on someones assets or LI. It has happened that the family told them they don't need the money, but they never told the family no.
Simple reasoning is, they also think that 100K per yasom doesn't really cover it, the program just won't allow for a higher payout at $28/ monthly. So they encourage everyone to have LI as well to make sure kids are adequetly covered, and owning LI does not disqualify a payout [unless each kid will receive over a million dollars etc].



Quote
They are tax exempt. Click on the below IRS link and then download the first attachment. Then search "Areivim USA"

https://www.irs.gov/charities-non-profits/tax-exempt-organization-search-bulk-data-downloads


This (I have been to a few Areivim meeting with these Rabbonim)

Harav Elya Brudny, Rosh Yeshivas Mir Flatbush;
Harav Yitzchok Isaac Eichenstein, Galanter Rav;
Harav Doniel Geldzahler, Rosh Yeshivas Ohr Yisrael;
Harav Binyomin Zev Landau, Tosher Dayan of Boro Park;
Harav Henoch Shachar, Rav of Klal Ohr Tuvia in Lakewood

Areivim Terms and Conditions (emphasis added):
Quote
4) Areivim USA is not life insurance. Areivim USA has been established primarily as a charitable endeavor and its halachic status is like that of all tzedakah money collected from the public. In the event of a the passing of a member r”l, all contributions can be made with maaser money.

5) In the event of (G-d forbid) a large number of deaths among members (as a result of a war, an earthquake, etc.), Areivim USA reserves the right to consult with its Rabbinical Board on proper procedures.

6) Members have no rights to sue or submit legal claims against the decisions of Areivim USA or its Rabbinical Board, including for failure to initiate a collection. There are no oral agreements or other commitments between Areivim USA and its members, and no such oral agreements or commitments shall be given any legal effect.

« Last edited by ExGingi on May 30, 2021, 11:11:03 AM »

Poll

Do you have Areivim & Life Insurance? (NOTE: Areivim is not life insurance)

Yes
49 (70%)
Only Areivim
21 (30%)

Total Members Voted: 70

Author Topic: Areivim USA - Coronavirus  (Read 155156 times)

Offline JACKBLUE

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Re: Areivim USA - Coronavirus
« Reply #440 on: May 05, 2020, 10:25:22 PM »
What is there to decide. He is a member and deserves the payout.
This bothers me so much. If they have to think about this for more than half a second, they have to stop claiming they are a tzedaka.
was thinking the same....

Offline yesitsme

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Re: Areivim USA - Coronavirus
« Reply #441 on: May 05, 2020, 11:09:48 PM »
This bothers me so much. If they have to think about this for more than half a second, they have to stop claiming they are a tzedaka.
when you sign up you can sign up as a sponsor or as a members, sponsor means if something happens R'L Areivim will not fund them


I just asked a friend of mine if he has areivim he said "yes as a sponsor not as a member" so I asked him why not as a member he said, because I have life insurance.......
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Offline Lurker

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Re: Areivim USA - Coronavirus
« Reply #442 on: May 05, 2020, 11:13:50 PM »
when you sign up you can sign up as a sponsor or as a members, sponsor means if something happens R'L Areivim will not fund them

Ah, that makes them a tzedaka again.
Failing at maintaining Lurker status.

Offline yesitsme

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Re: Areivim USA - Coronavirus
« Reply #443 on: May 05, 2020, 11:14:54 PM »
Ah, that makes them a tzedaka again.
its your decision my friend
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Offline Lurker

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  • Location: As always, silence is NOT an admission of agreement on DDF. It just means that people lack the stamina to keep on arguing with made up "facts", illogical arguments, deceiving statements, nasty and degrading comments, and fuzzy math. - @yelped
Re: Areivim USA - Coronavirus
« Reply #444 on: May 05, 2020, 11:17:20 PM »
Just heard from Arievim that one of the people that died from Covid19, left behind a big family, when he signed up originally he signed that he only wants to give and not get a payout if he dies because he had a nice amount of LI, in the last year he was struggling and left his LI lapse.
They are still deciding how to go about it.....
#JustSaying

Please post updates as they become available. I think this is a game changer.
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Offline JACKBLUE

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Re: Areivim USA - Coronavirus
« Reply #445 on: May 05, 2020, 11:24:12 PM »
Please post updates as they become available. I think this is a game changer.
IYH will update.

Offline yesitsme

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Re: Areivim USA - Coronavirus
« Reply #446 on: May 05, 2020, 11:29:48 PM »
Please post updates as they become available. I think this is a game changer.
please clarify this post
Ah, that makes them a tzedaka again.
are you trying to say that all tzadakah organizations should give out money on 1st come 1st serve basis without a decision process? find me this organization please
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Offline Lurker

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Re: Areivim USA - Coronavirus
« Reply #447 on: May 05, 2020, 11:39:30 PM »
please clarify this post

I'm going to withhold comment until I see what decision they make. If they do right by him, God bless them. If they don't, I promise I'll clarify it in no uncertain terms.
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Offline mgarfin

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Re: Areivim USA - Coronavirus
« Reply #448 on: May 05, 2020, 11:50:12 PM »
Just heard from Arievim that one of the people that died from Covid19, left behind a big family, when he signed up originally he signed that he only wants to give and not get a payout if he dies because he had a nice amount of LI, in the last year he was struggling and left his LI lapse.
They are still deciding how to go about it.....
#JustSaying

I have two thoughts on this story

1. Is it possible to let it lapse as he was relying on aravim as a backup

2. If someone signs up as a sponsor, as at that time he's financially stable. Over the years he loses all his money.
Is he required to call in and change a status or may he assume that they will see there is no money

Offline Chapshnell

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Re: Areivim USA - Coronavirus
« Reply #449 on: May 05, 2020, 11:58:10 PM »
I have two thoughts on this story

1. Is it possible to let it lapse as he was relying on aravim as a backup

2. If someone signs up as a sponsor, as at that time he's financially stable. Over the years he loses all his money.
Is he required to call in and change a status or may he assume that they will see there is no money

Good questions, someone responsible would email areivim & change the status.

Offline Yosel

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Re: Areivim USA - Coronavirus
« Reply #450 on: May 06, 2020, 12:00:26 AM »
What is there to decide. He is a member and deserves the payout.
well, the “prominent rabanim” who they trust their finances, have a right to think............

Offline Yosel

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Re: Areivim USA - Coronavirus
« Reply #451 on: May 06, 2020, 12:01:21 AM »
IYH will update.
Is it OK for me to predict what the update will be?

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Re: Areivim USA - Coronavirus
« Reply #452 on: May 06, 2020, 12:02:08 AM »
Good questions, someone responsible would email areivim & change the status.
I'm pretty sure the sponsors give less per death than the members (maybe $5 instead of $7) - at least it was that way originally
Don't ask stupid questions and you won't get stupid answers

Offline mgarfin

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Re: Areivim USA - Coronavirus
« Reply #453 on: May 06, 2020, 12:16:46 AM »
Is it OK for me to predict what the update will be?

I predict if they need the money they will get it
If there's other money maybe not

Offline yesitsme

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Re: Areivim USA - Coronavirus
« Reply #454 on: May 06, 2020, 12:18:42 AM »
Is it OK for me to predict what the update will be?
your prediction is that no one gets money regardless off situation
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Offline Drago

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Re: Areivim USA - Coronavirus
« Reply #455 on: May 06, 2020, 12:49:52 AM »
I doubt there is any government subsidy (beyond the actual stipend that is paid by the government in the first place).
ביטוח חיים מסובסד בחלקו ע"י משרד החינוך לאברכים יוצא לדרך מתחילת 2020 הבאה עלינו לטובה.

אבי התוכנית הוא סגן שר האוצר ח"כ יצחק כהן. ח"כ כהן קורא לאברכים ללחוץ על ראשי הכוללים על מנת להצטרף לתוכנית המאפשרת למשפחתו של אברך שנפטר לקבל משכורת במשך 15 שנה מיום פטירתו.

 מדובר על ביטוח חיים מסוג ריסק קבוצתי שייערך החל מחודש ינואר 2020 בעבור אברכים שלומדים במוסדות תורניים המתוקצבים על ידי משרד החינוך. ההצטרפות תהיה וולונטרית לכל מוסד תורני בנפרד.  מדובר על ציבור אברכים שמוערך בכ 90 אלף איש ובהיקף פרמיות שנתי המוערך בכ 30 מיליון ₪ לשנה.

In short, it's subsidized (elsewhere it says 50% of costs are paid by the government), and not every eligible institution has to join.
« Last Edit: May 06, 2020, 12:56:00 AM by Drago »

Offline David61

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Re: Areivim USA - Coronavirus
« Reply #456 on: May 06, 2020, 03:07:41 AM »
I predict if they need the money they will get it
If there's other money maybe not

Agreed, except that they are now already $8 million in the hole and this would add another million or so!

And too much pressure on donors could cause the whole system to collapse, so I’d say it would also be contingent on monies being available from monthly donations over coming years, rather than making a commitment today.

On the other hand what right do they have to charge members for that collection unless they make it voluntary
« Last Edit: May 06, 2020, 03:11:54 AM by David61 »

Offline AsherO

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Re: Areivim USA - Coronavirus
« Reply #457 on: May 06, 2020, 06:49:20 AM »
when you sign up you can sign up as a sponsor or as a members, sponsor means if something happens R'L Areivim will not fund them

So where are the stats on members vs sponsors?

Every time another plot-twist like this comes up, it’s the same question all over again, where is their transparency?
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Offline AsherO

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Re: Areivim USA - Coronavirus
« Reply #458 on: May 06, 2020, 06:52:19 AM »
I'm pretty sure the sponsors give less per death than the members (maybe $5 instead of $7) - at least it was that way originally

So when they state they have 22k members, does that include these sponsors (who pay less, mind you, well, at least some of them do if they signed up when it was $5...) or not?
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Offline JACKBLUE

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Re: Areivim USA - Coronavirus
« Reply #459 on: May 06, 2020, 07:24:58 AM »
I'm pretty sure the sponsors give less per death than the members (maybe $5 instead of $7) - at least it was that way originally
So when they state they have 22k members, does that include these sponsors (who pay less, mind you, well, at least some of them do if they signed up when it was $5...) or not?
everyone pays $5 per orphan, members and sponsors.