Sharing Guidelines V1.01/2019 download  
I . Program Overview
II . Types of Contributors
III . Sharing Member Qualifications and Financial Participation

In order to become and remain a Sharing Member, a person must meet and satisfy the following criteria and requirements:

IV . Long Term Care Benefits Program (LTCBP)
1 . Loyalty Reward

This reward is an elective return of a vested interest in the prior total Sharing Contribution from a Sharing Member of Kehilla Care. For Members with ten or more years of sharing, up to 25% of total contributions shared by the Member may be withdrawn as a one-time Loyalty Reward (LR) and the Member may still retain all privileges of Sharing Membership. Any future need to receive benefits from distribution of shared contributions for long term care would be reduced proportionate to a time factored reduction in the contributions this Member shared. Sharing Members who elect to terminate their participation in the Kehilla Care, may elect a one-time withdrawal of their entire vested interest in the Loyalty Reward. This withdrawal is allowable even if there was a prior non-terminating withdrawal of less than 25% of the then vested interest.

Vesting Schedule
Years Participating
Vested Interest of Total
Contributions*
10
25
15
40
20
55
25
70

* Total Contributions reduced by any benefits received

Life circumstances change. Do you need 70% of your prior Sharing Contributions returned?
It is Yours as a Loyalty Reward!

2 . Heritage Reward

This reward is a legacy return of a vested interest in prior Sharing Contributions to the heirs of long term Sharing Members. A Sharing Member becomes vested in in the Heritage Reward (HR) after making all suggested Sharing Contributions for more than ten years. Should a Member die after ten years of membership, heirs will receive the vested interest of 25% or more of Shared Contributions from this member.

Vesting Schedule
Years Participating
Vested Interest of Total
Contributions*
10
25
15
40
20
60
25
80

* Total Contributions reduced by any benefits received

If a Sharing Member of 25 years should die, their loved ones or heirs will receive a legacy of 80% of the Member’s prior contribution as a Heritage Reward

3 . Fidelity Benefit

Kehilla Care, the long term care benefit program (LTCBP) sponsored by Lifeline Alliance, is focused on preservation of Shared Contributions for the future needs of our loyal Sharing Members. The Kehilla Care Fidelity Benefit program ensures preferred benefit distributions to long term Sharing Members. Most beneficiaries of long term care benefit programs have been participating in the benefits program for more than twenty years before any personal need for distribution of benefits. Therefore almost all Sharing Members will benefit from the Fidelity Benefit program. Sharing Members participating twenty years or more will be 100% vested in full benefits. Sharing Members with less than twenty years of participation accrue five percent of full annual benefit for each year of participation completed.

Vesting Schedule
Years Participating
Vested Interest
1
5
5
25
10
50
15
75
20
100

Full benefit is available after 20 years of Sharing Membership. Benefits for loyal Sharing Members are prioritized. The need for long term care is almost universal and almost limitless. Funds, however, are limited and must be preserved for those who are the most vested in the LTCBP

V . Dispute Resolution and Appeal
VI . Amending the Guidelines
VII . Sharing Member Rights and Responsibilities

As a Sharing Member of Lifeline Alliance, you have certain rights and responsibilities.

VIII . Definition of Terms
1 . Loyalty Reward

This reward is an elective return of a vested interest in the prior total Sharing Contribution from a Sharing Member of Kehilla Care. For Members with ten or more years of sharing, up to 25% of total contributions shared by the Member may be withdrawn as a one-time Loyalty Reward (LR) and the Member may still retain all privileges of Sharing Membership. Any future need to receive benefits from distribution of shared contributions for long term care would be reduced proportionate to a time factored reduction in the contributions this Member shared. Sharing Members who elect to terminate their participation in the Kehilla Care, may elect a one-time withdrawal of their entire vested interest in the Loyalty Reward. This withdrawal is allowable even if there was a prior non-terminating withdrawal of less than 25% of the then vested interest.

Vesting Schedule
Years Participating
Vested Interest of Total
Contributions*
10
25
15
40
20
55
25
70

* Total Contributions reduced by any benefits received

Life circumstances change. Do you need 70% of your prior Sharing Contributions returned?
It is Yours as a Loyalty Reward!

2 . Heritage Reward

This reward is a legacy return of a vested interest in prior Sharing Contributions to the heirs of long term Sharing Members. A Sharing Member becomes vested in in the Heritage Reward (HR) after making all suggested Sharing Contributions for more than ten years. Should a Member die after ten years of membership, heirs will receive the vested interest of 25% or more of Shared Contributions from this member.

Vesting Schedule
Years Participating
Vested Interest of Total
Contributions*
10
25
15
40
20
60
25
80

* Total Contributions reduced by any benefits received

If a Sharing Member of 25 years should die, their loved ones or heirs will receive a legacy of 80% of the Member’s prior contribution as a Heritage Reward

3 . Fidelity Benefit

Kehilla Care, the long term care benefit program (LTCBP) sponsored by Lifeline Alliance, is focused on preservation of Shared Contributions for the future needs of our loyal Sharing Members. The Kehilla Care Fidelity Benefit program ensures preferred benefit distributions to long term Sharing Members. Most beneficiaries of long term care benefit programs have been participating in the benefits program for more than twenty years before any personal need for distribution of benefits. Therefore almost all Sharing Members will benefit from the Fidelity Benefit program. Sharing Members participating twenty years or more will be 100% vested in full benefits. Sharing Members with less than twenty years of participation accrue five percent of full annual benefit for each year of participation completed.

Vesting Schedule
Years Participating
Vested Interest
1
5
5
25
10
50
15
75
20
100

Full benefit is available after 20 years of Sharing Membership. Benefits for loyal Sharing Members are prioritized. The need for long term care is almost universal and almost limitless. Funds, however, are limited and must be preserved for those who are the most vested in the LTCBP

IX . Legal Notices
1 . General Legal Notice
2 . State Specific Notices