Membership Terms — Plain Language Summary
This page summarizes the Muwasat Policy and Membership Agreement dated June 15, 2025, as amended by Amendment No. 1 effective October 1, 2026. The Agreement and Amendment are the legally binding documents. PDFs are available at the bottom of this page.
The Fourteen Things You Need to Know
1. Muwasat is a mutual aid program, not insurance.
Members pool resources to support bereaved families. There are no premiums, and no guaranteed payouts beyond what the community contributes.
2. Joining costs $200 CAD, one time.
This registration fee is non-refundable.
3. When a covered death occurs, each active member contributes $50 CAD.
When Muwasat notifies the membership of a covered death, the contribution is automatically charged to your payment method on file. No separate action is required. You receive an email receipt after a successful charge.
4. The maximum benefit is $10,000 CAD per case.
Anything above this is the family's responsibility. Anything below it is donated by Muwasat toward the construction of new masajid in Canada.
5. There is a 3-month initial waiting period.
You contribute during this period but cannot receive benefits until it ends.
6. Membership covers a defined family unit.
Principal member, spouse, unmarried children at home, and parents or parents-in-law living permanently with you in Canada. Married or independent adult children are not covered and would need their own membership.
7. Covered deaths may occur in Canada or the United States.
For a death in the United States, the family may choose repatriation to Canada or burial in the United States. The same $10,000 CAD limit applies, and reimbursement is issued in Canadian dollars. Deaths outside Canada and the United States are not automatically covered.
8. You must maintain a valid payment method on file.
A debit or credit card is required when you apply and must remain valid while your membership is active.
9. Visiting parents require notice before they arrive.
A visiting parent may be considered for coverage while in Canada or the United States only if you notify Muwasat before arrival, state the length of the visit, and the parent stays with you under your direct responsibility.
10. You must keep your information up to date.
If a covered dependent's situation changes (marriage, moving abroad, etc.), inform Muwasat promptly.
11. At the time of joining, no one to be covered may be in a critical medical condition or hospitalized.
This declaration must be truthful. Falsifying information may result in loss of membership and denial of benefits.
12. Late or missed contributions can result in suspension or termination.
Muwasat will notify you if an automatic charge fails. You must promptly update your payment method and pay the outstanding amount to keep your membership in good standing.
13. Muwasat is a Canadian Not-for-Profit, not a registered charity.
Your contributions are not tax-deductible.
14. The Board's good-faith decisions are final.
Members may submit written appeals, but the Board's decision on appeal is the final word in the administration of the program.
Download the Full Documents
Please download and read both documents. Amendment No. 1 must be read together with the original Policy and Membership Agreement.