Version 12 - Fraternal Data System
Version 12
TABLE OF CONTENTSSECTION 1 – OVERVIEW .4History of Fraternalism . 4American Fraternal Alliance . 4Model Fraternal Code . 4The Making of Catholic Financial Life. 5Society Mission . 6Society Vision . 6Society Values . 6Radiant Cross. 6Triennial Fraternal Meeting . 7Board of Directors . 7Membership Committee . 7Fraternal Leaders Advisory Group (FLAG) . 7SECTION 2 – CHAPTER OVERVIEW.8Purpose and Mission of a Chapter . 8Chapter Formation . 8Role of Advisor . 8Parish and Community Involvement . 8Common Cause and National Partnership . 9SECTION 3 – CHAPTER LEADERSHIP. 10President . 10Vice President . 10Secretary/Treasurer . 10The Public Relations Coordinator. 11Membership Coordinator . 11Activity Coordinators . 11Trustees . 12Spiritual Advisor . 12Chapter Officer Terms and Position Rotation . 12Additional Information Concerning Chapter Officers . 12Code of Conduct. 13VIRTUS Training . 13Background Check . 13SECTION 4 - CHAPTER OPERATIONS . 14Chapter Funding . 14Employer Identification Number . 14Chapter Bank Accounts . 14Chapter Spending . 15Chapter Audits . 15Match Funds. 15Activity Reporting. 16How to Report Activities . 16Annual Reporting . 16Meetings . 17Liability Insurance . 17CFL Product Information & Rate Book2
Record Retention Schedule. 17Privacy Policy. 18SECTION 5 - CHAPTER ACTIVITIES. 19Chapter in Good Standing . 19Planning Meetings. 20Conducting a Successful Planning Meeting . 20Chapter Event Publicity . 20Match Fund Activities . 20Match Fund Project Guidelines . 21Match Funds Grants . 22Catholic Financial Life National Partnership with the Society of St. Vincent de Paul (SVdP) . 23Special Needs Chapter Program. 23Commitment to Conservation . 23Educational Programs . 24Social Activities. 24Collaborative Chapter Events. 25Big Impact Events . 25Role of Committees. 26Planning an Event. 26Tips for Success . 27SECTION 6 – RESOURCES . 28Your Member Engagement Team . 28Your Advisor . 28Financial Resources . 28Training Resources . 28Material Resources . 29Chapter Invitation Service . 29Review of Chapter Policies and Procedures Manual . 30CFL Chapter Policies & Procedures3
SECTION 1 – OVERVIEWHistory of FraternalismThe tradition of banding together for the common good runs deep in our nation. The Minutemen who fought atLexington and Concord were part of the growing middle class, craftsmen and farmers by profession, who were not afraidto take up arms to protect their families and their freedoms. This spirit of “one out of many” - e pluribus unum - is at thevery heart of fraternalism. It is a belief that more can be done when individuals band together as keepers of ourbrothers and sisters.At the dawn of the second half of the 19th Century, a war-torn America had begun to heal, to come together again asone nation. The “American Dream” attracted a surging wave of immigrants. America became a nation of different faithsand nationalities. These new Americans looked for a way of protecting their families while reaching out to theircommunities.They formed cooperatives modeled after the craft guilds of medieval Europe and later the British Friendly Societies thatprovided mutual aid for their members. In the United States modern fraternalism began on October 27, 1868, whenJohn J. Upchurch, a railroad master-mechanic, organized the first lodge in Pennsylvania under the name Ancient Orderof United Workmen.In actuality, Catholic Financial Life’s history can be traced to the earlier date of August 16, 1868, when the firstArchbishop of Milwaukee, Wis., the Most Rev. John Martin Henni, gathered a group of 21 Catholic men from all walks oflife to petition for the organization of the Family Protective Society. The new society would not be officially incorporatedby the state until March of the following year. Therefore, Upchurch has been designated the father of Americanfraternalism. Nonetheless, Archbishop Henni is properly credited with establishing the first Catholic society.Throughout the last quarter of the 19th Century fraternal benefit societies spread across the nation. Today fraternalbenefit societies insure nearly 10 million Americans. All societies share the purpose of financial security for theirmembers. How they differ is in the common bond of their members. These can be religious and ethnic in nature as wellas associations of men and women sharing a common profession or simply a love of brotherhood and country.Today all fraternal benefit societies are classified as 501 (c) 8 not-for-profit fraternal organizations by the InternalRevenue Service. Societies are regulated on a state-by-state basis by a department of insurance regulation.American Fraternal AllianceThe national trade association for 58 fraternal benefit societies, the American Fraternal Alliance, with headquarters inIndianapolis, Ind., began as the National Fraternal Congress in 1886, becoming the National Fraternal Congress ofAmerica in 1913. The 2011 name change came about to better position the association as an advocate for the fraternalbenefit system and to solidify its role as an “alliance” of societies rather than having a name with the political term“congress.”Today, the American Fraternal Alliance plays a pivotal role in promoting the community outreach activities of itsmember societies. It is also instrumental in telling the fraternal story to elected officials both on the state and nationallevel as well as presenting a firm stance in helping to promote the financial viability of societies. In addition to itsnational scope, the Alliance serves as a model for the network of autonomous fraternal associations that operate invarious states and regions across the country.Model Fraternal CodeBeginning in 1913 with the merger of the National Fraternal Congress and the Associated Fraternities of America,fraternal benefit societies have come under a regulatory code, originally called the “Uniform Code for the Organizationand Supervision of Fraternal Benefit Societies”. It was updated in 1983 and renamed the “Model Fraternal Code”. EitherCFL Chapter Policies & Procedures4
the Uniform or Model Code is in place in every state. Both codes describe a fraternal benefit society as being organizedwithout capital stock and: Operating solely for the mutual benefit of its members and their beneficiaries; Classified as a not-for-profit; Supporting a lodge system with a ritualistic form of work and a representative form of government; and Providing the opportunity to participate in programs offering the payment of benefits upon death, sickness, ordisability.The Making of Catholic Financial LifeThough the Catholic Financial Life story begins in 1868, its story is not a single narrative but the tale of seven fraternaltraditions and societies: Catholic Knights, Catholic Knights of America, Catholic Family Life Insurance, Degree of Honor,Northern Fraternal Life, St. Joseph Benevolent Society, and Union Saint-Jean-Baptiste. This is their story.The ravages of the American Civil War were still evident in the State of Wisconsin three years after war’s end. Withwidows and orphans left destitute following the war, and veterans facing their own challenges, Milwaukee ArchbishopHenni gathered a group of Catholic businessmen and devised a plan providing for those less fortunate and to develop asystem of financial security for Catholics and their families. Over the years, the ground-breaking Family ProtectiveSociety became the first Catholic fraternal to adopt the legal reserve system, insure women and children, offer grants toCatholic high school students, provide a newborn benefit, and offer Masses for living and deceased members. In 1949the Society changed its name to Catholic Family Life Insurance. It moved its headquarters from downtown Milwaukee tothe adjacent village to the north, Shorewood, in 1972.Like Catholic Family, Catholic Knights has its roots in the years following the Civil War. The diocese of Nashville, Tenn.,ravaged by cholera and yellow fever, was also hard hit by bank closures and the depression of 1873. Bishop PatrickFeehan encouraged a group of men to create a safety net organization that would become the Catholic Knights ofAmerica. Chartered in the nearby state of Kentucky, the group quickly spread throughout Catholic America, especially inWisconsin. By the mid-1880s the “Badger State” membership had grown large and unhappy with the fact that theirpremium dollars were helping to fund the rest of the membership in other states. In 1885 a proposed referendum tocreate regional rates was turned down by the national organization. A new group split from the parent organization andbecame the Order of the Catholic Knights of Wisconsin. Upon accepting the office of Spiritual Director of the neworganization, Archbishop Michael Heiss of Milwaukee said, “We give our most cordial approbation to the CatholicKnights of Wisconsin and we trust that it will receive the hearty cooperation of priests and laymen.”Going their separate ways were Catholic Knights of America (CKA), based in St. Louis, MO, and the Catholic KnightsInsurance Society, which finally became Catholic Knights, headquartered in Milwaukee, Wis. One society served mostlythe south-central states and the other the upper Midwest. In 2005, CKA merged with Catholic Knights . . . togetheragain!In May of 1900 was founded what would become the nation’s largest fraternal benefit society for Americans of Frenchdescent, Union Saint-Jean-Baptiste (USJB). It was named in honor of the patron saint of Franco-Americans, Saint Johnthe Baptist. Though its membership stretched as far west as Wisconsin and Illinois, the Society took hold primarily in thesix New England states of Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont. To providegreater financial strength for its members, Union Saint-Jean-Baptiste, merged with Catholic Family Life Insurance in1991. Catholic Financial Life members in New England still enjoy regional activities that capture the unique heritage ofUSJB’s Franco-American founders.Smaller mergers of note have occurred over the years. In 1993, the Polish-American society, Northern Fraternal Life,based in Milwaukee merged with Catholic Family. In 2011, the Saint Joseph Benevolent Society, based in Wauwatosa,Wis., merged with Catholic Financial Life.CFL Chapter Policies & Procedures5
Catholic Financial Life, founded in April 2010, was officially formed by the merger of Catholic Family and CatholicKnights, creating both the “oldest and the newest” Catholic fraternal benefit society. Enjoying a membership of nearly131,000 and assets of 1.68 billion, Catholic Financial Life’s commitment can be found in the statement, “Catholic valuesin action” as its network of more than 190 chapters serve communities from as far north as Fort Kent, Maine, to as farsouth as San Antonio, Texas. In recent years Catholic Financial Life’s charitable outreach, driven by our chapters throughthe Match Fund Program and with additional Society support, has generated nearly 1.5 million annually to helpCatholic parishes, schools, and neighbors in need.The most recent addition to Catholic Financial Life is Degree of Honor. Tracing its roots back to the earliest of allfraternal benefit societies, Ancient Order of United Workmen founded in 1868, Degree of Honor began as a women’sauxiliary in 1873. It went on to form its own separate society in 1908, later creating a junior order, summer camp,scholarship program, and opening an impressive national headquarters in St. Paul, Minnesota in 1961. Degree of Honormerged with Catholic Financial Life in 2017.The Catholic Financial Life story can be summed up in the mission, vision, and values that are at the heart of the “oldestand newest” Catholic fraternal benefit society. They inspire home office associates, field personnel, and fraternal leadersalike. It is important to know these statements. It is more important to live them.Society MissionCatholic Financial Life, a faith-based membership organization, puts Catholic values in action by: Serving God through serving others; Providing financial security; and Enhancing quality of life.Society VisionTo be the innovative leader in fraternal partnerships and consolidation while growing our existing business and engagingmore people to enjoy financially secure, purposeful lives.Society Values Faith Authenticity Innovation Respect Family Integrity PassionRadiant CrossCatholic Financial Life’s visual depiction of our brand, or logo, is known as the “Radiant Cross.” At the center of the logois a cross, symbolic of the fact that Christ is central to who we are as people of faith and to our mission as a Society. Thecross radiates. The colors of orange and red intensify as the rays reach out. This is symbolic of the efforts of our chapterswho reach out to those in need. The radiant cross is contained within the shape of a circle, symbolic of the fact that ourmembers are united by our common bond. The colors of orange and red were chosen as they traditionally are the colorsof the Spirit. The Spirit works through us as instruments to build the Kingdom of God.CFL Chapter Policies & Procedures6
Triennial Fraternal MeetingAs stated in our Society Bylaws, “Catholic Financial Life shall conduct a triennial fraternal meeting in person or virtuallyat such date, time and place as the Board of Directors shall determine. Triennial fraternal meetings will be comprised oflocal fraternal leaders and guests chosen in accordance with procedures established by the Board.”Board of DirectorsThe Board of Directors is the supreme governing body of the Society. The directors bring to the Board a diversity ofinterests as well as expertise. Business acumen and a commitment to the “fraternal heart” of Catholic Financial Life areboth key to being effective stewards of the Society’s assets. The number of elected Board positions range from aminimum of nine to a maximum of 12. Each director can serve a maximum of three consecutive terms of three yearseach. These Board members are elected at large by the adult financial members of Catholic Financial Life. The age limitfor a Board member is 75. In addition to elected Board members, there are two appointed Board members plus thePresident & CEO and the Secretary.Membership CommitteeThe Membership Committee is a Committee of the Board of Directors that reviews the ongoing fraternal programs ofthe Society. This includes the chapter network, its structure and funding, and member benefits, and makesrecommendations to the Board concerning fraternal policies and procedures. The committee also oversees other areasaffecting membership directly, including insurance sales, member services, and claims.Fraternal Leaders Advisory Group (FLAG)Providing member input into the development of fraternal policies, procedures and programs is the Fraternal LeadersAdvisory Group (FLAG). Meeting at least twice throughout the year, FLAG helps provide member and chapter leaderinput on the Society’s many non-contractual benefits and activities. FLAG also acts as a sounding board for newinitiatives before they are implemented. As the name implies the group acts in an advisory capacity to the Board and thePresident. Members of FLAG are appointed by the President and CEO. FLAG shall be comprised of a minimum of 9members, representative of the chapter system, both in terms of chapter size and chapter location. FLAG members alsoserve in the official capacity of appointing 1/3 of the Nominating Committee and 1/3 of the Judiciary Committee, perSections 3 and 4 of the Society Bylaws.CFL Chapter Policies & Procedures7
SECTION 2 – CHAPTER OVERVIEWPurpose and Mission of a ChapterOne of the founding principles of any fraternal benefit society is to be “supportive of a lodge system.” At CatholicFinancial Life, the local units of this system are called “chapters.” The chapter is governed by the Society’s Articles andBylaws, and the Policies and Procedures Manual. The chapter is managed by the duly-elected local leadership, who inturn are the stewards of the funds provided to the chapter for its successful operation.Chapters are guided by the mission, vision, and values of Catholic Financial Life. They may sponsor social, educational,religious, or civic activities that are not contrary to the Society’s Articles and Bylaws and, in the case of Match Fundactivities, upon approval of the Member Engagement Department. Chapter leadership is elected by and from the localmembership. In this manual the various aspects of managing a successful chapter are detailed.Chapter FormationIn areas where members would like to form a chapter, “Action Teams” may be created by contacting the MemberEngagement Department. Action Teams are designed to serve as a precursor to chapter formation to demonstrate thedemand, desire and necessary leadership to warrant the official creation of a chapter. Action Teams may also be createdto help grow the fraternal presence and relevance in areas not served by existing chapters.Action Teams require a minimum of five members to organize activities.Action Teams can apply for Match Funds from the Home Office by contacting the Member Engagement Department.One-time Grants of up to 500 per Action Team are available each calendar year, limited to the annual funding specifiedwithin the Member Engagement budget.Action Teams can request that members be sent a flyer promoting their event.A new chapter may be created: after conducting several successful Action Team initiatives, after demonstrating that thecreation of a chapter is warranted in dialogue with the Member Engagement Department, and after 50 new financialmembers become part of the Society in a parish or a specified geography.Role of AdvisorThe advisor and chapter leadership form a partnership in providing both the financial security and fraternal involvementon a community-by-community basis. The leadership plans and implements interesting and family-friendly activities,while the advisor helps to introduce his or her clients to what the chapter has to offer. This is done both during the salesprocess as well as once the client becomes a member of the Society and a chapter.Generating new members for a local chapter benefits both the advisor as well as the chapter. More members have thepotential to provide a larger pool of volunteers and chapter leaders. An active chapter helps place before an advisorpotential new members who could benefit from the Society’s financial products and services. In this way, the advisorand the chapter leadership are the welcoming face of Catholic Financial Life both on the community and parish levels.Parish and Community InvolvementAs a membership organization, Catholic Financial Life exists to be of support and service to our members as well as thecommunities in which they live and work. As our Catholic faith encourages us to reach out to those less fortunate, ourSociety does as well. Our partnership with the Society of Saint Vincent de Paul is a good example of our outreachactivities. The Society also has a longstanding commitment to Catholic education and has recently established programsto support special needs and conservation.Our Match Fund program acts as a catalyst for community and parish involvement, whether it’s helping a sick neighborpay for medical expenses or helping to repair the church roof. The chapter leadership, advisors, and generalCFL Chapter Policies & Procedures8
membership provide the hands behind fundraising activities, while the Home Office matches a portion of dollars raised.This is described in great
The Making of Catholic Financial Life . Though the Catholic Financial Life story begins in 1868, its story is not a single narrative but the tale of seven fraternal traditions and societies: Catholic Knights, Catholic Knights of Am erica, Catholic Family Life Insurance, Degree of Honor, Northern Fraternal Life, St. Joseph Benevolent Society .
NLT 1 & the Hebrew Text of Genesis 44.1-13 Introduction : Changing Stories Purpose & Scope MT/BHS 1. Narrative Continuity 2. Fraternal Passivity or Josephian Sovereignty 3. Relational Distance 4. Fraternal Submission 5. Summary: MT/BHS NLT 1 1. Narrative Discontinuity 2. Fraternal Initiative or Josep
Jun 06, 2018 · This is a guide to African American fraternal headstones in Arkansas. In the first half of the 20th Century dozens of African American fraternal organizations in Arkansas provided burial insurance and other benefits. Owned and operated by African American
For purposes of this Agreement, fraternal organizations are those organizations governed by the . Use of the University's Name and Symbols. The Fraternal Organization understands and agrees, as a condition of this Agreement, that it may not use any University marks, symbols, logos, m
Fraternal organizations enter into this Agreement only to seek certain benefits from the . Use of the University's Name and Symbols. The Fraternal Organization understands and agrees, as a condition of this Agreement, that it may not use any University marks, symbols, logos, m
Use of the University's Name and Symbols. The Fraternal Organization understands and agrees, as a condition of this Agreement, that it may not use any University marks, symbols, logos, mottoes or other indicia of the University without the . Fraternal organizations must supply the na
fraternal organizations. Railway workers were among the first to adopt this method of collective bargaining. The Brotherhood of Locomotive engineers was founded in 1863 by W.D. Robinson and others as a secret, fraternal,
KENWOOD TS-940 PAGE Version 2: 4 April 2005, Version 3: 25 April 2005, Version 4: 27 May 2005, Version 5: 31May 2005, Version 6: 10 June 2005: Version 7: 16 June 2005: Version 8: 25 July 2005Version 9: 30 July 2005. Version 10: 4 August 2005, Version 11: 13 Sep 2005, Version 12: 18 October 2005, Version 13: 23 October 2005,
Adventure tourism is generally thought to involve land-, air-, and water-based activities, ranging from short, adrenalin-fuelled encounters, such as bungee jumping and wind-surfing, to longer experiences, such as cruise expeditions and mountaineering. Yet, these activities overlap with other types of tourism, such as activity tourism and ecotourism, and this presents problems in clearly .
