Invest in your child s Jewish future

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1 Invest in your child s Jewish future SKIP GoaL A meaningful high school, college or young adult Israel Experience program as part of your child s Jewish education. SKIP PARTNERS Your family, your congregation, and the Jewish Federation all contribute to the SKIP savings plan. SKIP ENROLLMENT Begin in public or day school 3rd, 4th, 5th, or 6th grade and continue contributions through 9th grade. Last spring I took twenty teenagers to Israel on North L Shore Congregation Israel s Israel Teen Trip. The SKIP program, in combination with our synagogue s Louis and Saeree Fiedler Israel Scholarship Fund made this trip possible for many of those teens, my own daughter among them. The trip was absolutely transformative for us all. Together we have given these teenagers a lifetime of Ahavat Tziyon (Love of Israel). As a rabbi, and as a parent, I thank you. ~Rabbi Judy Spicehandler, mother of a North Shore Congregation Israel SKIP graduate and 2008 Israel Experience participant. II am very appreciative of the SKIP money which allowed me to spend the summer in Israel learning about Judaism and medicine and how they relate. It was a wonderful experience that I could not have had in any other place. This summer was an amazing, eye-opening experience that I will never forget. ~Elizabeth Sokol, age 23, B nai Tikvah Congregation SKIP Graduate and Israel Experience participant in I just returned from a youth Israel trip [through my congregation] I enjoyed the trip very much and found every aspect of our visit fascinating. Thank you for contributing to my trip through the SKIP program. I valued this opportunity to see Israel very highly. Hundreds of Chicago area high school, college students and young adults go to Israel each year. Make sure your child is one of them... ~Nate Evans, age 16, Congregation Etz Chaim of DuPage County SKIP Graduate and Israel Experience participant. Putting money into SKIP every year was a painless way to save for my son to go to Israel. When he decided to spend a semester of high school in Israel, the money was already there. He came back transformed by the experience. SKIP funds allowed him to participate in a life changing adventure. ~Robin Uchitelle, mother of two SKIP participants at Oak Park Temple, one of whom was a 2005 Israel Experience participant. Jewish Federation of Metropolitan Chicago Ben Gurion Way 30 South Wells Street Chicago, Illinois (312) A savings incentive program to help your child go to Israel.

2 SKIP, the SEND-A-KID-TO- ISRAEL PARTNERSHIP, unites families, congregations and the Jewish Federation of Metropolitan Chicago to help make an Israel experience with their peers an integral part of the Jewish education of Chicago area students. THE SKIP PROGRAM. SKIP is a special kind of savings plan. The SKIP partners (family, congregation and Federation) contribute matching funds each year. Students who participate in the program for the full seven years (grades 3 through 9) will have approximately $2,000, including interest, to help meet the cost of a high school, college or young adult Israel Experience program. SKIP FUNDING. The combined contribution of the family and the participating congregation is $170 per year for each student. Each congregation determines the amount to be contributed by the family and congregation respectively. For example, if your congregation contributes $50 per year, then you contribute $120 per year. ISRAEL PROGRAM. SKIP participants and their families choose an Israel Experience program from among the many formal programs offered by local and national Jewish organizations or educational institutions. Programs must be approved by Federation. Information on the variety of approved Israel Experience programs is available from the Jewish Federation and online at S k i p Someday, sooner than you expect, your child will be a teenager and then a young adult. A high school, college or young adult Israel Experience program can be a critical factor for your child s Jewish identity, and SKIP can help make this trip possible. The Jewish Federation will set aside $85 per child for each year that the family and congregation contribute. The SKIP program does not cover the entire cost of an Israel Experience program. SKIP savings can be used together with other Federation Israel Experience Savings Programs, including JUF Bar/Bat Mitzvah Certificates, Gift of Israel savings, and Walk with Israel Vouchers. Families in financial need can also apply for scholarships from other sources, including the program sponsor, their congregation, and Federation. SKIP ELIGIBILITY. Students from families affiliated with a participating congregation, in public school or day school grades 3-6, and enrolled in a Community Foundation for Jewish Education or Associated Talmud Torahs affiliated congregational or day school program in the Chicago metropolitan area are eligible to enroll in SKIP. Students enrolled in SKIP can use their funds towards an Israel Experience program any time between the end of 9th grade and age 26, even after participating in a Birthright Israel program. WITHDRAWAL OF SKIP FUNDS. SKIP contributions plus accumulated interest can be withdrawn at any time on 30 days notice. TO ENROLL. Enrollments are arranged only through participating congregations. Further information is available from your congregation, the Jewish Federation at (312) or online at

3 RULES OF PARTICIPATION SKIP is a cooperative program in which families, congregations and the Jewish Federation of Metropolitan Chicago (Federation) each contribute funds toward an Israel Experience program for participating students. The purpose of the SKIP program is to help more students experience Israel as part of their Jewish education. Federation will earmark $85 per year, up to a maximum of seven years, and families and congregations will contribute a combined total of $170 each year to the SKIP program. If the family has contributed for a youngster for the full seven years, a fund of approximately $2,000 will exist to help meet the cost of an approved Israel Experience program. Eligibility Students from families affiliated with a participating congregation, who are in public school or day school grade 3-6 and enrolled in a Community Foundation for Jewish Education or Associated Talmud Torahs affiliated congregational or day school program in the Chicago metropolitan area, are eligible to enroll in SKIP. Enrollment Eligible students must enroll in SKIP through a participating congregation. The family contribution is due at the time of enrollment. Annual contributions by each of the parties to SKIP continue through ninth grade. SKIP contributions are made for a specific participant and are to be used only for the benefit of that participant. SKIP savings are not transferable. The combined annual contribution of the family and congregation totals $170. The family and congregation must each contribute a minimum of $25 annually for each student in the program. The remainder of the $170 is to be divided between the family and congregation as each congregation deems best. Families can enroll new participants in the SKIP program or make contributions for previously enrolled participants only during the annual fall enrollment period. Family contributions must be made directly to the congregation by December 1, with family checks made payable to the congregation. The congregation will then forward its total combined check equaling the combined contributions of $170 per participant to Federation by December 31, clearly specifying the amount contributed by the family and by the congregation for each participant. The congregation's check must be made payable to the Jewish Federation of Metropolitan Chicago. Suspension, Withdrawal, and Transfer If family and congregational contributions are not received for a participating student within the specified time period, the student will be suspended for one full year, and Federation will not earmark its $85 annual contribution during the period of suspension. A student is eligible to resume participation by resuming contributions, by December 1, in any succeeding year through ninth grade.

4 RULES OF PARTICIPATION (page 2) A participating family may suspend contributions at any time. Family and congregation contributions from previous years will continue to earn interest. Accumulated contributions of family, congregation and Federation may be used for an eligible Israel Experience program as stated below. A participating family may also withdraw its contributions at any time by submitting a SKIP withdrawal form found on the website. If withdrawal occurs, the family forfeits its rights to the contributions of the congregation and Federation; contributions made by the family and by the congregation will be returned to each with interest. If a participating family discontinues membership in the congregation, the congregation's contributions from previous years will remain in the participant's SKIP account. If a student transfers from one participating congregation to another, he/she may continue in the program pursuant to the terms agreed upon by the family and the new congregation. Both discontinuation of membership in a participating congregation and transfer of a student to a non-participating congregation will be treated as a suspension, and the family will have the option of withdrawing or leaving the funds in SKIP to be used according to the terms of the SKIP program. Administration of Funds The SKIP program is administered by the Jewish Federation. All family and congregational contributions will be deposited in an appropriate financial institution. Federation will contribute the funds it has earmarked for the student, at the time of participation, to an approved Israel Experience program chosen by the family. Participants will receive annual reports on the status of their SKIP accounts. Families should be aware that Federation has been advised that Federal law considers interest earned on SKIP savings as taxable income. Supplementary Funding SKIP funds can be used in conjunction with other Federation Israel Experience savings programs (including Gift of Israel, Bar/Bat Mitzvah Certificates, Walk with Israel Vouchers, etc.). The accumulated funds of the three SKIP contributing partners do NOT cover the full cost of most Israel Experience programs. While many families may be able to meet the total cost from personal resources, others may not. Participating families can request additional financial support from their congregation, the Israel Experience program sponsor, and/or Federation's Israel Experience scholarship programs. Israel Experience Programs SKIP participants can use their SKIP funds for a wide variety of approved, formal Israel Experience programs offered by local or national Jewish youth groups or non-profit educational institutions in Israel. Israel Experience programs are, by definition, peer group programs; family trips are not eligible for use of SKIP funding. All programs must be approved by Federation's Israel Experience Department. SKIP funds cannot be used for Federation missions or Birthright Israel programs because Federation already provides a great deal of the funding for these programs. Participants can use their SKIP funds towards an Israel Experience program any time beginning at the end of 9th grade* through age 26. Policy Policies regarding rules of participation are established by the Jewish Federation of Metropolitan Chicago. *Under certain circumstances, families may be able to use some of their SKIP funds for 8th grade Israel Experience programs. Please contact our office to learn more. N:\Israel Experience-Youth Initiatives\ISRAEL EXPERIENCE\SKIP\Enrollment\ \RULES-2011.docx Rev. 9/14

5 Answers to Some Frequently Asked Questions about the SKIP Program Q: My child is only eight years old. How can we know he'll want to participate in an Israel Experience program? A: Most young people who have attended religious school from elementary school through junior high and high school welcome the opportunity to go on an Israel Experience program when in high school or college. However, if your child decides not to participate in an approved Israel Experience program, your family's contributions, plus interest, are fully refundable to you by submitting a SKIP withdrawal form. Q: My child is in fifth grade. Is it possible to enroll her now and pay for third and fourth grades, so that she can participate for the full seven years? A: SKIP participants can enroll only for the current school year. Catch-up payments are not accepted. Q: My child is past sixth grade. May I enroll him now and pay for the years back to sixth grade? A: No. Children beyond sixth grade are not eligible to enroll in SKIP. Catch-up payments are not accepted. Q: Can I enroll my grandchildren in SKIP? A: Grandchildren can be enrolled only if they meet the eligibility requirements of a participating congregation as set forth in the SKIP Rules of Participation. Q: Must my child go to Israel on a specific Federation program? A: SKIP participants can use their SKIP funds for a wide variety of approved, formal Israel Experience programs offered by local or national Jewish youth groups or non-profit educational institutions in Israel. Israel Experience programs are, by definition, peer group programs; family trips are not eligible for SKIP funding. All programs must be approved by Federation. SKIP funds cannot be used for Federation missions or Birthright Israel programs because Federation already provides a great deal of the funding for these programs. Q: SKIP sounds too good to be true. Am I really getting funding from my congregation and Federation with no "strings" attached? A: There are no "strings" attached to SKIP. Congregation and Federation funds are made available to SKIP participants to encourage more young people to participate in an approved Israel Experience program as part of their Jewish education. Your contributions can be returned to you in full, plus interest, at any time by submitting a SKIP withdrawal form. SKIP is a very special program because everyone benefits from it: your congregation, Federation, the Jewish community, Israel, your family and, most of all, YOUR CHILD. IF YOU HAVE MORE QUESTIONS, contact us at (312) or

6 New Participation Agreement The parties to this Agreement,, (Congregation name), and the Jewish Federation of Metropolitan Chicago agree to participate in (Parent/Guardian) the Send-A-Kid-To-Israel Partnership (SKIP) program. The purpose of this program is to provide financial resources to help enable (Child s name: Last, First PLEASE PRINT) to go on an Israel Experience program as a part of his/her Jewish education. and (Congregation name) (Parent/Guardian) agree to contribute a combined total of $170 each year to the SKIP program administered by the Jewish Federation of Metropolitan Chicago. The congregation will contribute $ and the family will contribute $. The Federation will contribute an additional $85.00 per student enrollment year to the approved Israel Experience program selected by the participant. The terms and rules controlling the parties participation in this program are defined in the attached separate document titled, Send-A-Kid-To-Israel Partnership (SKIP) Rules of Participation (hereinafter known as Rules of Participation ). The parties to this agreement state they have read the separate document known as Rules of Participation and have agreed to participate in this program according to its terms. The parties acknowledge their participation in the SKIP program by signing and dating this agreement below. CONGREGATION: (Date) By: (Congregation name) (Signature of Congregational representative) FAMILY (please print legibly & complete entire section): (Date) (Signature of Parent/Guardian) (Home address: include street address, city, state & zip code) (Home phone number) (Parent s address) (Grade in public/day school) (Child s date of birth) JEWISH FEDERATION OF METROPOLITAN CHICAGO: (Date) By: (Signature) Rev. 09/14

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