Jewish People are Picking Hybrid Long Term Care Insurance over Traditional

When you get to a place in your life when you need to start planning your finances for post-retirement, it’s good to know all of your choices. Many Jewish people are unaware that you are able to get multiple benefits combined into one product. This is called a hybrid policy, or Secure Care if you purchase through Securian.  Most Jewish people were unaware that these hybrid long term care insurance plans were available until recently at this Jewish Long Term Care summit.  The hybrid long term care insurance products have popped up in the past five years to now be the fastest growing LTC product series out there. 

Securian also known as Minnesota Life offers a long-term care hybrid policy that has many options you can choose from to tailor your policy to be beneficial to your life. If you have never heard of this type of policy, it is much different from a basic life insurance policy. Think of it as a “bundle” rather than a single policy.

If you are unsure about your options or eligibility, you can submit a form with your information and request a custom proposal from the company. They will use the information you’re provided with your requests and needs and show you the options and features you can choose from.

All companies’ products can differ slightly, but one thing Securian has is flexibility, freedom for their clients. They also guarantee 3 things: that your long-term care will be covered, your beneficiaries will receive the money, in the event that you do not end up needing your long-term care, and the option to get a refund of your premiums if you change your mind.

The flexibility this policy provides is extremely beneficial for unknown circumstances. You can customize your coverage in a few different ways. One of them being to receive a monthly acceleration of your death benefit for up to 3 years. You can also add an extension of long-term care benefits up to 7 years. This policy also protects you from rising costs, whereas most simple life policies have unpredictable premiums.

They also give Jewish people the freedom, to choose how they receive your long-term care. Some of these options are: adult day care, home modification, informal care, assisted living, caregiver training, hospice, nursing home care, bed reservation, home health care, household services, respite care and benefits outside the U.S.

Securian provides a more extensive brochure that helps you understand your options as well as pricing and other important information. Visit their site to get more information.

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Issues Facing Modern Judaism Today

While in the previous generation Conservative Judaism was the largest and most dynamic in the denominational Jewish spectrum. Besides, Orthodox in 2000 had transformed into one of the fastest growing Jewish movements in America. The Orthodox Jews have a lot to be thankful for. One, it is a beautiful and thriving community of singles and married, young and old, retirees and working professionals and people from all backgrounds. However, there still issues that threaten to undermine Judaism.

Zionism

Zionism doesn’t have a uniform ideology. It has evolved into a dialogue among a disjoint collection of ideologies which include: Revisionist Zionism, Labor Zionism, Green Zionism, Religious Zionism, and General Zionism. Furthermore, not every Jew is a Zionist. In fact, only a few know what Zionism actually means. It is not mandatory to be a Zionist and being a non-zionist doest mean that you are the same as an anti-zionist; it means that you don’t accept all the basics of being a Zionist. The issue that the Zionists create for the non-zionists is that in some case Zionist paint all Jews as Zionist. This makes Muslims hate Jews even if they’re not Zionist.

Racism

Jews come in many languages, colors, and with diverse menus. A lot of Jews forget that. Besides, most people fail to remember the horrific and terrible battle in Israel, after 1948, to make Yiddish the official language of Israel; or the numerous attempts to prevent Falash from having infants from the state-sanctioned chemical de-fertilization of women.

Standards

The explanation of what it means to keep kosher varies among Jews in today’s world. However, lots of Jews have started to question whether it is to only uphold standards of how you should kill an animal – the tradition states that the animal should be subjected to as little pain as possible. Instead, some Jews have started asking if they should kill animals at all. And for Jews who consume meat, how can they know if the animal has been treated well during its entire life?

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How to Convert to Judaism

The process of converting to Judaism requires penetration of the innermost character as well as spiritual being, and demanding a thorough examination of one’s behavior and other things which can culminate in the conversion to a brand-new identity. Besides, due to the consequences to both the convert’s psyche and to Jewish people – especially at times when the conversion to Judaism was barred by most ruling powers – rabbis always urge those who want to convert to consider their motivations.

Step by Step of the conversion process

Step 1 – Learning

Candidates who are willing to convert to Judaism are encouraged to learn extensively about Jewish culture and religion, to know a variety of Jewish practices and to converse with a rabbi in the process. You will begin by enrolling in Judaism 101 or Introduction to Judaism classes, which are mostly offered at Jewish community centers, synagogues, and other institutions related to Jewish.

If you find an institution and comes into terms with a rabbi that you are ready for conversion, the formal procedure starts.

Step 2 – Circumcision

If you are male, the very first step is undergoing circumcision or brit milahs. If you are circumcised, you go through a ritual extraction of a drop of blood known as hatafat dam brit. The Reform and Reconstructionist rabbis provide you with a choice regarding hataft dam brit in case you are circumcised.

Step 3 – Rabbinic Court (Beit Din)

After circumcision has completely healed, a Rabbinic Court is then assembled. This is a 3-person court that is comprised of one rabbi and two observant Jews who have a deep knowledge of the laws of conversion. The court determines your sincerity by evaluating your motivation, knowledge, and your intentions to live as a Jew.

Furthermore, for traditional Jews, you must first ascent to the kabbalat ol ha-mitzvot, that is the acceptance of the yoke of commandments – the willingness to live under the validity and commitment to the performance of the commandments. Liberal rabbis ask for a commitment to perform the selected commandments.

Step 4 – Ritual Bath (Mikveh)

After the court is assured the convert’s sincerity, the convert then immerses into a mikveh or a ritual pool, as well as an ocean or the lake if the ritual pool is unavailable. In other cases, a swimming pool can be used although only specific non-Orthodox authorities allow a swimming pool. The water is usually symbolic of liminality, or the in-between state, of the candidate. The immersion referred to as tevillah cleanses the convert of the past misdeeds and prepares the candidate for a different destiny and future.

Following the immersion, the convert is then officially considered a Jew and can now recite legitimately the blessing for immersion which involves the words ‘who has sanctified us with the commandments.’

Step 5 – Hebrew Name

Now the convert takes a Hebrew name. However, the name only isn’t sufficient to find someone in the Jewish tradition. When the Jews are summoned to the Torah, or to sign legal documents, their parents’ names are included in their Hebrew name to find them in the Jewish spiritual space. Traditionally, the convert adopts Braham and Sara as their spiritual parents and in legal instances is known as ‘ben Avraham Avinu’, also known as ‘son of our Father, Abraham, as well as ‘bat Sarah Imenu’ also known as ‘the daughter of our Mother, Sarah.’

Step 6 – Post Conversion Period

Life after conversion can be challenging. This is because the convert is required to reestablish your relations with your birth parents and develop new ones with the newly acquired Jewish families. However, with persistence, patience, and the realization that the e

The process of converting to Judaism requires penetration of the innermost character as well as spiritual being, and demanding a thorough examination of one’s behavior and other things which can culminate in the conversion to a brand-new identity. Besides, due to the consequences to both the convert’s psyche and to Jewish people – especially at times when the conversion to Judaism was barred by most ruling powers – rabbis always urge those who want to convert to consider their motivations.

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