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Burial Fund (BF) Scheme

The Jamaat operates a Burial Fund (BF) Scheme whereby it meets all the burial related expenses within a set limit and within the current governing rules. The scheme is open to eligible households who make an annual up-to-date contribution to the fund. The final decision of awards rests with the EC.

Eligibility
A household having at least one paid member of The KSIMCoL is eligible. The KSIMCoL Membership of that member must be current and up to date at the time of the application/renewal. The paid member in the household will be designated as a BF Member. A household is defined as a United Kingdom residential address in which eligible persons (defined as those who, when of age, would normally be accepted for The KSIMCoL Membership) permanently living therein are registered on the application/renewal form, and are permanently resident in the United Kingdom.

Contribution
For the period 1st January – 31st December 2020, the annual contribution is:
Single occupancy households: £120
Two or more occupancy households: £200
New Members – Phased in Benefit
New eligible households will have the Burial Fund monetary benefit phased in:
a 25% of the eligible burial costs for a death within one calendar year of joining;
b 50% of the eligible burial costs for a death within two calendar years of joining;
c 75% of the eligible burial costs for a death within three calendar years of joining;
d 100% of the eligible burial costs thereafter.

An individual moving from an existing household, within a year of the move, to a new household, will not be regarded as a new application.

Benefit
Benefit will be payable, subject to confirmation of eligibility, only to registered eligible households who are up-to-date with their BF contributions and KSIMCoL membership. A sum to cover the total actual office-hours burial costs, will be payable either to the next-of-kin or directly to the authorities, upon the production of a death certificate and an invoice/receipt from the relevant authorities, within 30 days of burial. The benefit will also extend to burials at other cemeteries; in this case, the benefit will be the actual total office-hours burial costs incurred, but will not exceed the upper limit of £6,810.

Beneficiaries
The BF contribution will extend the benefit to the registered eligible BF Member and all registered eligible persons in that household, including eligible overseas guests, provided there is a Family KSIMCoL Membership. A Single KSIMCoL Membership (of a multi-occupancy household) will limit the benefit to that one person only in the household.

Multi-Residency in UK
Eligible members from a registered household who, from time to time, move to other households (say in the case of parents moving to children’s’ houses) must inform in writing to the BF of the move, and must have the other households registered as an eligible BF household. This is for the BF benefit to be effective in case if death at the other household.

Renewal date
The benefit is effective from 1st January – 31st December 2020. Eligible members may join at any time subject to payment of the contribution in full, but subsequent annual renewals will be on the 1st January of every year. Renewal letters will be posted to the BF Members in December of each year. There will be a grace period of 1 month (up to 31st January of each year) allowable for current renewals. If a current BF household has failed to renew their membership by 31st January of the renewal year, the Burial Fund reserves the right not to honour any benefit payments until the contribution is paid up to date; should a death occur in that household from 1 February this would not be covered

Re-joining
Re-joining eligible households must pay any Burial Fund contribution arrears since first joined (at the current rates) before subsequent renewal

Confirmation letter
All the household details will be computerised and a confirmation if the BF membership and details will be posted to the household.

Change of details
Please inform the BF Admin staff, in writing, of any change of household details, like change of address, an eligible person and/or an eligible guest moving out of or into the household, etc. Failure to do so will jeopardise the payment of benefits.

Any Disputes
The Executive Committee of The KSIMCoL shall have the final say in all matters relating to any query or interpretation of the rules.

Discretion and Other Benefit Payment Covers
The KSIMCoL shall have the power to make benefit payments wherein such payments are deemed to be appropriate by the Executive Committee of KSIMCoL. In making such a decision, the Executive Committee of KSIMCoL shall have regard to factors including, but not limited to:

(i) the need and requirement of the individual member and his/her family;
(ii) the general welfare and financial viability of the KSIMCoL; and
(iii) any other factors which, in the opinion of the Executive Committee of KSIMCoL, shall be deemed relevant.

More Information
For further information on the Burial Fund, please do not hesitate to contact:
By email: Mr Mustafa Pirbhai, Mr Mazaheer Rajwani, or Dr Mahmood Datoo on bf@hujjat.org
By post: Burial Fund Admin, Husaini Shia Islamic Centre, Wood Lane, Stanmore, Middlesex HA7 4LQ
Please quote your BF Reference Number in all communications

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