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Thursday, February 16, 2012, 2:11 PM

Bishop Lori of Bridgeport, Connecticut, has written the Parable of the Kosher Deli, “for those with ears to hear.” In this lesson, the government has applied a nation-wide mandate that requires kosher delicatessen’s to serve ham sandwiches. Naturally, the owners were incensed and demanded that the law be rescinded. Rather than abandon the mandate wholesale, though, the government employed what seemed to be an accommodating compromise:

“Some who supported the deli owners initially began to celebrate the fact that ham sandwiches didn’t need to be on the menu, and didn’t need to be prepared or served by the deli itself. But on closer examination, they noticed three troubling things. First, all kosher delis will still be forced to pay for the ham sandwiches. Second, many of the kosher delis’ meat suppliers, themselves, are forbidden in conscience from offering, preparing, or serving pork to anyone. Third, there are many kosher delis that are their own meat supplier, so the mandate to offer, prepare, and serve the ham sandwich still falls on them. This story has a happy ending. The government recognized that it is absurd for someone to come into a kosher deli and demand a ham sandwich; that it is beyond absurd for that private demand to be backed with the coercive power of the state; that it is downright surreal to apply this coercive power when the customer can get the same sandwich cheaply, or even free, just a few doors down.”

Read more here

34 Comments

    arty
    February 16th, 2012 | 3:22 pm

    Ahh, the beauty of a good analogy.

    Peg
    February 16th, 2012 | 3:32 pm

    Bishop Lori fails to take some things into account:

    1. There is a loud and vocal lobby of Aggressive Ham Eaters who believe they deserve free ham wherever and whenever they want it. They have the “right” to it. They pretend there will be, in fact, no ham sandwiches to be found anywhere at all if kosher delicatessens do not provide them gratis.

    2. The Aggressive Ham Eaters particularly want kosher delis to provide ham sandwiches because

    (a) they dislike kosher delis and the types who own them; and
    (b) the delicatessens’ conscientious objection to serving ham seems so judgmental to ham eaters and this is mean and unfair. No one likes being judged. It isn’t pleasant.

    3. The opinion of the Aggressive Ham Eaters is shared by the current Powers-that-Be in government and the press. They don’t know anyone who shuns ham. What kind of weirdos are those deli people anyway?

    4. There is a large population who has never given a moment’s thought to either eating or not eating ham. No free ham—what’s with that? Why are kosher delicatessens so obsessed with food anyway? Why can’t we all be ham-eating friends? Did you hear about Whitney Houston?

    David Nickol
    February 16th, 2012 | 4:05 pm

    This trivializes the issue of contraception and women’s health, which is in no way a comparable issue to what kosher delis serve. Of course it is “absurd for someone to come into a kosher deli and demand a ham sandwich.” It is not absurd for insurance to cover contraception, and in fact most insurance already does. The contraceptive mandate raises a real issue of religious freedom. Silly analogies to kosher delis serve no useful purpose and make one wonder why some people can’t argue the real issue—contraception—instead of making extraordinarily lame analogies.

    If there were significant health problems associated with kosher meat, would anyone question the government’s ability to intervene where kosher delis were serving it? That is still a poor analogy, but it is a much better one than the one offered.

    I really find it difficult to believe that those who won’t at least take the issue of contraception seriously are at all serious about abortion, or women’s health, for that matter.

    pentamom
    February 16th, 2012 | 4:31 pm

    “Of course it is “absurd for someone to come into a kosher deli and demand a ham sandwich.”

    But it is not absurd for someone to come into a *restaurant* and demand a ham sandwich — if the restaurant chooses to serve ham sandwiches.

    Kosher delis do not, that is the only thing that sets them apart from other restaurants. And anyone who walks into a Kosher deli demanding a ham sandwich is being absurd — just like anyone who accepts a job from a Catholic employer and then demands that contraception be paid for by the employer.

    Last I checked, no one’s health is ever augmented or endangered by the funding source for a medical or semi-medical procedure, when the person has both employment income and general health coverage, thereby providing sufficient disposable income for optional purchases like contraception.

    Patrick
    February 16th, 2012 | 4:33 pm

    “This trivializes the issue of contraception and women’s health, which is in no way a comparable issue to what kosher delis serve. ”

    I suspect Orthodox Jews would disagree. Putting that aside, can you explain precisely what “the issue of contraception and women’s health” is? Contraception is legal, inexpensive, and widely available. Contraception does not promote women’s health, rather, it inhibits the proper functioning of the reproductive systems. (Contraception does reduce sexually transmitted diseases but there is no more reason to publicly protect and fund dangerous sex any more than any other activity with the potential to cause disease.) So what is the “issue?”

    “It is not absurd for insurance to cover contraception, and in fact most insurance already does.”

    That wasn’t the argument being advanced.

    “Silly analogies to kosher delis serve no useful purpose and make one wonder why some people can’t argue the real issue—contraception—instead of making extraordinarily lame analogies.”

    Again I suspect that Orthodox Jews do not believe kosher food is silly. I would wonder why some people can’t argue for the inherent right to conception without hand-waving toward the vague, undefined concept of “women’s health.”

    Kosher food is an ancient religious tradition. Defining contraception as healthcare is not, and would have been considered bizarre and absurd almost everywhere throughout human history.

    “If there were significant health problems associated with kosher meat, would anyone question the government’s ability to intervene where kosher delis were serving it? That is still a poor analogy, but it is a much better one than the one offered.”

    If there were significant health problems, it would probably never have evolved into such an important religious tradition. But, no, if adults want to eat unhealthy foods, so long as the risks are understood, why stop them? Obviously, there are already many unhealthy food choices out there. McDonalds is required to provide information on calorie levels and percentage of fat, I think that’s enough.

    “I really find it difficult to believe that those who won’t at least take the issue of contraception seriously are at all serious about abortion, or women’s health, for that matter.”

    Again, please define “the issue of contraception.” As far as I can tell, contraception is a way to enjoy recreational sex and avoid the responsibility of children and the discipline of chastity. Considering the problems facing the world today, from war to political oppression to cultural decline… I find it difficult to muster much sympathy for having to pay about $40 a month to suppress the natural functioning of their reproductive systems so as to avoid the consequences of fornication.

    Peg
    February 16th, 2012 | 5:17 pm

    There are people claiming that if religious organizations do not provide free contraception, sterilization and abortifacients in their insurance coverage, then somehow contraception availability will mysteriously disappear from across the land. Not only that, it means that someone (churches? Bishops? The GOP?) is trying to ban birth control.

    Many lack a sense of proportion—is it worse to be forced against your will to cooperate with evil (including murder) or to be slightly inconvenienced in obtaining elective health care products that you consider benign in purpose and are easily accessed elsewhere?

    I’ll add that as a woman, I resent pro-choice zealots who presume to speak for All Womankind, and who cynically manipulate the public by playing the worst female stereotypes—hysterical, emotional, incapable of understanding arguments or assigning priorities to matters of life, death, and freedom.

    sometimes it is necessary to recast a story in simple English or through analogies, for the sake of those muddy-headed, confused, or bigoted people who cannot or will not see the Truth.

    Publius
    February 16th, 2012 | 7:06 pm

    “If there were significant health problems associated with kosher meat, would anyone question the government’s ability to intervene where kosher delis were serving it? That is still a poor analogy, but it is a much better one than the one offered.” Not really. You assume that we all agree that government ‘experts’ should determine (for an allegedly self-governing people) what constitutes a “significant health problem” when it comes to food. The list is endless (Twinkies, ice cream, meat, swordfish, tuna, cream, eggs, butter, bacon, etc, etc.), and that’s the problem — it’s none of the government’s business to prevent what people eat. They can tell us it’s not good for you, but after that they should get out of the way. Secondly, contraception is arguably a women’s health issue (and a men’s health issue, particularly if someone chooses to sleep around with multiple partners or sleeps with someone who prefers multiple partners) — but providing abortion pills is not a woman’s ‘health’ issue except in rare cases. It’s quite clear that if someone chooses to be irresponsible, that is not a health problem, nor is pregnancy a disease.

    David Nickol
    February 16th, 2012 | 8:59 pm

    An actual incident:

    A BLIND man says he was refused use of a taxi in Letchworth because the Muslim driver would not allow his guide dog in the car.

    Blind journalist Sean Dilley with Chipp
    Stevenage resident Sean Dilley had been at Letchworth Sports and Tennis Club in Muddy Lane with his guide dog Chipp on Sunday evening for a blind tennis demonstration.
    Friends had organised for a taxi driver to pick up the 29-year-old after the event and take him back to Letchworth rail station.

    But when the driver arrived shortly after 7pm to pick him up, he refused to let Sean and Chipp in the car.

    “The driver turned up and said you are more than welcome but I’m not taking your dog,” said Sean, who has been blind for 15 years.

    “He said it was because he was a Muslim. I was horrified. This sort of thing happens all the time and it’s not acceptable.”

    The debate between Sean and the driver was caught on camera by a friend.

    It has been reported that some strands of Islam teach that dogs should be avoided because the animal’s saliva is considered to be impure.

    Sean is a freelance broadcaster and parliamentary lobby correspondent for talkSPORT and last year made a film for the BBC’s Daily Politics show highlighting how many businesses and restaurants refused entry to guide dogs.
    He called the taxi firm Gary’s Taxis to complain but was told the driver was within his rights.

    But Sean believes that the driver was breaking disability discrimination law by refusing to take them and has reported the matter to North Herts Council, which licenses taxis in the district.

    “I have a lot of energy and I know the law, and yet I find battling this sort of thing exhausting,” he said.

    “There must be many elderly or vulnerable people who can’t do that and just put up with it.
    “Often it’s difficult to prove what happened though but this time we’ve got video evidence of what happened.”

    The Advertiser was unable to contact the taxi driver and Gary’s Taxis would only say “It’s a matter between the council and the driver.”
    Cllr Bernard Lovewell, the council’s portfolio holder for housing and environmental health, said: “We are currently investigating a complaint regarding an alleged incident with a North Herts licensed hackney carriage driver and a customer with a guide dog.

    “Until we have concluded the investigation we cannot comment further.

    “We would like to reassure residents that council-licensed taxi drivers should not refuse a blind or partially sighted person from getting in to their taxi on the grounds that they wish an assistance dog to accompany them.”

    Who is right. Should Muslim cab drivers, to whom dogs are unclean in much the same way swine were to the Jews in the New Testament, be forced to accept blind passengers with guide dogs?

    We’ve heard enough about kosher delis. Do Muslims have religious rights to avoid dogs and alcohol?

    Michael PS
    February 17th, 2012 | 4:19 am

    David Nickol

    Or, to revert to kosher delis, a number of countries (Norway, Sweden, Denmark, Switzerland and, recently, the Netherlands) prohibit shechita or ritual slaughter. The Muslim equivalent of halal slaughter is also prohibited.

    Is such a prohibition within the legislature’s margin of appreciation?

    Felapton
    February 17th, 2012 | 8:10 am

    I’m sure I’m the only one who thinks it’s a little bit unseemly for a Catholic bishop to propose a parable in which he himself is played by a persecuted Jew and the secular democratic government appears in the role of villain; considering, that is, how often, in reality, it has been the Catholic authorities who have persecuted Jews, and how much more securely Jews have always lived in secular democracies.

    But it was an inept analogy anyway. In the well-posed version, the deli owner staffed his restaurant with low-cost Gentile workers, but demanded a right to pay lower wages to Gentiles whom he suspected of eating ham sandwiches on their days off.

    Kim
    February 17th, 2012 | 8:25 am

    I think we should take into consideration not only what the government might require a religious organization to do – provide contraceptives- but also what the government may require what a religion may not do – ie circumcision. I believe this issue came up last year, in California, as a so-called ‘human rights’ issue. Thank God it was rejected, but I suspect may come up again.

    Brian English
    February 17th, 2012 | 8:30 am

    “We’ve heard enough about kosher delis. Do Muslims have religious rights to avoid dogs and alcohol?”

    Yes, which is why devout Muslims should not become dog-catchers or bartenders. It is equally true that women who find the minimal cost of birth control to be too burdensome, and need their contraception provided free of charge by their employer, should not work for Church-affiliated individuals or entities.

    Nick
    February 17th, 2012 | 8:53 am

    “Last I checked, no one’s health is ever augmented or endangered by the funding source for a medical or semi-medical procedure, when the person has both employment income and general health coverage, thereby providing sufficient disposable income for optional purchases like contraception.”

    It’s the fact that the employment income and general health coverage both come from the same source that causes me to think this is a tempest in a teacup:
    A) Catholics who hire non-Catholics pay them income knowing with certainty that some of it will be spent on things that Catholics consider sinful. This is not a problem, because once the employee has earned the money, it’s the employee’s income to do with as he/she sees fit. As you imply, employees are free to use money paid as salary by a Catholic employer to purchase contraceptives.
    B) Insurance coverage funded by an employer is part of the employee’s compensation package. Everyone agrees that the total benefit package should be included in calculations of how much people earn.
    C) Therefore, it is not clear that the money being used to pay for contraception belongs to the Catholic employer. If the insurance coverage belongs to the employee in the same manner that salary does, then the government is telling employees what they must do with some of their income. That may be annoying to Catholic employees, but it has no moral bearing on the Catholic employer.

    David Nickol
    February 17th, 2012 | 9:08 am

    but also what the government may require what a religion may not do – ie circumcision. I believe this issue came up last year, in California, as a so-called ‘human rights’ issue. Thank God it was rejected, but I suspect may come up again.

    Kim,

    That was male circumcision. But female circumcision is already illegal in the United States. Do you think that, as a religious practice, it should be legally permitted?

    Female circumcision, the partial or total cutting away of the external female genitalia, has been practiced for centuries in parts of Africa, generally as one element of a rite of passage preparing young girls for womanhood and marriage. Often performed without anesthetic under septic conditions by lay practitioners with little or no knowledge of human anatomy or medicine, female circumcision can cause death or permanent health problems as well as severe pain. Despite these grave risks, its practitioners look on it as an integral part of their cultural and ethnic identity, and some perceive it as a religious obligation.

    David Nickol
    February 17th, 2012 | 9:11 am

    Yes, which is why devout Muslims should not become dog-catchers or bartenders.

    Brian,

    And of course they don’t. But they do become cab drivers and supermarket cashiers. Should a Muslim cab driver be forced to pick up a blind passenger with a guide dog?

    Brian English
    February 17th, 2012 | 9:27 am

    “and how much more securely Jews have always lived in secular democracies.”

    You mean like Germany and France?

    And while the Soviet Union was not a democracy, you really couldn’t get more secular. How secure were Jews there?

    Publius
    February 17th, 2012 | 10:11 am

    Taxi’s and Bars are licensed by local governments — a Catholic soup kitchen, Catholic college, or Catholic relief agency is not licensed by the government. There’s no comparison.

    Tim
    February 17th, 2012 | 10:12 am

    Ed Morrissey points us to a 2009 study conducted by the CDC that has a number of interesting tidbits that illustrate how this entire controversy is nothing more than the Obama administration simply pushing religious organizations around. Read pages 14 and 15 here:

    http://www.cdc.gov/nchs/data/series/sr_23/sr23_029.pdf

    On page 14, it asks women who had unplanned pregnancies who were not using contraception at the time they conceived why they chose not to use contraception. The answers are interesting, but what’s particularly noteworthy is the one reason that does not even make the list–lack of access to contraception. It appears that lack of access to contraception is such a non-issue, it doesn’t factor at all into the reasons why women have unplanned pregnancies. This might have something to do with the fact that, contrary to what many on the left imagine, contraception is widely available, relatively cheap, and even offered for free at clinics all over the country. Forcing employers to provide for “free” what no seems to have any problem getting for themselves is a solution in search of a problem. Unless that problem is figuring out how to motivate the base for an upcoming election.

    Page 15 is even more interesting. It notes that for women of child-bearing age, 99% of women have used some form of birth control, what the authors refer to as universal usage of birth control. That, along with the debunked poll about the number of Catholics who used contraception tells us that most Catholics don’t follow their Church’s teachings on contraception. This much we already knew. It also tells us, again, that people have no problem accessing contraception, and thus forcing employers to provide contraception for “free” is the solution to a problem that does not exist. Unless you’re looking to stoke the culture wars and stick your finger in the eyes of religious conservatives–you know–the “other” in the eyes of secular liberals.

    One more point, it says quite a bit about the Obama administration that they are willing to grant thousands of waivers to companies so that they don’t have to abide by one of the employer mandates of the health bill. Many of these companies are unionized, and they contributed tons of money and boots on the ground to get the health law over the finish line. Obama and Sebelius have rewarded them with waivers from complying with the health law for reasons of pure crony capitalism, but not for religious organizations claiming infringements on the First Amendment right to not have their free expression of religion prohibited. Good to know.

    David Nickol
    February 17th, 2012 | 10:40 am

    Taxi’s and Bars are licensed by local governments — a Catholic soup kitchen, Catholic college, or Catholic relief agency is not licensed by the government. There’s no comparison.

    Publius,

    So you are saying that because taxi companies are licensed by local government, the concept of religious freedom goes out the window? I would point out that hospitals are also licensed by local governments. No religious freedom for hospital employees, either?

    Or is it just that Christians should have religious freedom but Muslims should not?

    David Nickol
    February 17th, 2012 | 10:42 am

    Publius,

    Should a Catholic taxi driver have a right to refuse to take a pregnant woman to an abortion clinic?

    Brian English
    February 17th, 2012 | 11:30 am

    “And of course they don’t. But they do become cab drivers and supermarket cashiers. Should a Muslim cab driver be forced to pick up a blind passenger with a guide dog?”

    The same principle applies. A Catholic should not go work at an abortion clinic either, because they will find themselves involved in activity they find morally reprehensible. But what does any of this have to do with the HHS mandate? You appear to not see the distinction between employers and employees, and you really are not going to understand this issue if that eludes you.

    I take it you think the Muslim taxi-driver should have to pick-up the man with the guide dog. I agree. The employee should not be able to change the character of the employer’s business. Similarly, a woman going to work for a Catholic charity should not be able to use government coercion to force a change in the character of the charity by compelling the charity to pay for contraception, especially abortion pills like Ella and Plan B.

    Publius
    February 17th, 2012 | 11:50 am

    David,

    You are missing the point — the government is attempting to broaden the sphere of its power, to force religlious institutions, not an individual cab driver or bar tender, to purchase something for its employees that is contrary to their faith. It’s has nothing to do with a cab driver refusing a fare or a bar tender acting in a discriminatory fashion. You started out by criticizing Bishop Lori’s analogy, and now you keep moving from one unrelated analogy to another. There’s nothing complicated about the issue at stake: it’s as clear as the American Constitution, “Congress shall make no law . . . prohibiting the free exercise” of religion. Why is the intent of that statement so difficult for you to grasp?

    David Nickol
    February 17th, 2012 | 12:07 pm

    There’s nothing complicated about the issue at stake: it’s as clear as the American Constitution, “Congress shall make no law . . . prohibiting the free exercise” of religion. Why is the intent of that statement so difficult for you to grasp?

    Publius,

    I think there is a very good chance that the contraceptive mandate is constitutional. That is why there is so much talk of the Religious Freedom Restoration act, which was passed by congress because it didn’t like the Supreme Court’s approach to religious freedom in Employment Division v Smith (written by Antonin Scalia). In interpreting the Constitution, you have to take into account over 200 years of precedent. And of course we are not talking about a law passed by congress, but a regulation promulgated by HHS.

    Publius
    February 17th, 2012 | 12:26 pm

    …And a regulation passed by unelected HHS bureaucrats makes the constitutional violation all the more egregious. Never before, in 220+ years of American constitutional history, has the government mandated the purchase of items that are contrary to a religious faith. It is a complete shredding of the first amendment’s free exercise clause.

    Blake
    February 17th, 2012 | 1:23 pm

    This trivializes the issue of contraception and women’s health

    But the issue of contraception is trivial.

    Promiscuity is not a serious issue. It is a form of gluttony. The right to have sex freely and without consequence is as “serious” as the right to glut on Cinnabon every day without gaining weight.

    Only trivial people think that government-subsidized pleasure-seeking is more important than real health care.

    David Nickol
    February 17th, 2012 | 3:58 pm

    Never before, in 220+ years of American constitutional history, has the government mandated the purchase of items that are contrary to a religious faith.

    Publius,

    Well, here’s something quite interesting:

    Question: What do Muslims believe about insurance?

    Is it acceptable in Islam to take out health insurance, life insurance, car insurance, etc.? Are there Islamic alternatives to conventional insurance programs? Would Muslims seek a religious exemption if the purchase of insurance were required by law?

    Answer: Under common interpretations of Islamic law, conventional insurance is forbidden in Islam.

    Scholars such as Sheikh Muhammed Al-Munajjid criticise the system of conventional insurance as exploitative and unjust. They point out that paying money for something, with no guarantee of benefit, involves high ambiguity and risk. One pays into the program, but may or may not need to receive compensation from the program, which could be considered a form of gambling. The insured always seems to lose while the insurance companies get richer and charge higher premiums.

    However, many of these same scholars take into consideration the circumstances. For those living in non-Islamic countries, who are mandated to abide by insurance law, there is no sin in complying with the local law. Sheikh Al-Munajjid advises Muslims about what to do in such a situation: “If you are forced to take out insurance and there is an accident, it is permissible for you to take from the insurance company the same amount as the payments you have made, but you should not take any more than that. If they force you to take it then you should donate it to charity.”

    In countries with exhorbitant health care costs, one could argue that compassion for those who are ill takes precedence over a dislike of health insurance. A Muslim has a duty to ensure that people who are ill can access affordable health care. In 2010, for example, several prominent American Muslim organizations supported President Obama’s health care reform proposal, under the belief that access to affordable health care is a fundamental human right.

    In Muslim-majority countries, and in some non-Muslim countries, there is often an alternative to insurance available, called takaful. It is based on a cooperative, shared-risk model.

    There are religious exemptions for government programs like Social Security, but I believe I am correct in saying that there are no exemptions from government requirements that car owners buy car insurance.

    So there is at least one other case where governments (state) require people to buy a product which is forbidden by their religion. However, in the case of insurance, Muslim authorities allow some flexibility, whereas in the case of contraception, at least some Catholics insist there must be no compliance whatsoever.

    I would note in the case of the Muslim objection, it is insurance itself they take to be immoral, not just something someone with insurance might (or might not) choose to obtain with his or her coverage.

    Blake
    February 18th, 2012 | 9:28 am

    In countries with exhorbitant health care costs, one could argue that compassion for those who are ill takes precedence over a dislike of health insurance.

    One could argue that compelling need justifies deprivation of religious freedoms, but what has that to do with contraceptives?

    Even if you assumed that contraceptives are “necessary”, they are already widely available – and are directly subsidized by the government.

    Women who can’t afford contraceptives already qualify for free contraceptives.

    So where is the compelling need?

    The only “need” I see here is liberals’ “need” to bully Catholics during an election year.

    pentamom
    February 18th, 2012 | 10:43 am

    But no one has to buy a car, and in fact many people are quite happy not to, or otherwise function without one. You don’t have to buy car insurance simply to exercise the right to travel freely — you have to buy car insurance to operate a car.

    This is unlike the HHS mandate, which requires contraception coverage not merely if one offers insurance, but if one simply employs people.

    Paul
    February 18th, 2012 | 11:56 am

    My NFP class costs hundreds of dollars. Shouldn’t the government force all organizations to pay for that?

    David Nickol
    February 18th, 2012 | 3:18 pm

    My NFP class costs hundreds of dollars. Shouldn’t the government force all organizations to pay for that?

    Paul,

    Yes, I think so. If there is a mandate for insurance coverage of contraception, it should definitely cover the cost of NFP instruction and supplies. If Catholic organizations have not been covering NFP costs all along in the health insurance they already provide, or as a separate benefit, I would like to know why not.

    The medical coding system used by the government, insurance companies, medical clinics and health care providers now includes two codes specifically for natural family planning.

    Behind the push for the new codes was the American Academy of FertilityCare Professionals, a national organization that promotes the use of the Creighton Model FertilityCare System, which is used for natural family planning and women’s health and infertility issues while upholding Catholic teaching.

    Diane Daly, director of the Office of Natural Family Planning for the St. Louis Archdiocese and member of the academy, headed the committee that worked several years for the new codes.

    On Oct. 1, the International Classification of Diseases, Ninth Revision, Clinical Modification (ICD-9-CM) published the following codes for natural family planning:

    V25.04: Counseling and instruction in natural family planning to avoid pregnancy;

    V26.41: Procreative counseling and advice using natural family planning. . . . .

    It seems to me that though Catholic organizations feel they have been handed a lemon on the contraceptive mandate, they could use it to make lemonade by promoting NFP.

    Publius
    February 20th, 2012 | 10:22 am

    David,

    Well done digging up an obscure Islamic scholar who finds insurance contrary to his religion. And of course we all know that driving a car is yet another inalienable right.

    David Nickol
    February 20th, 2012 | 11:08 am

    Well done digging up an obscure Islamic scholar who finds insurance contrary to his religion.

    Publius,

    If you do a little research, you will see that this is not a matter of one obscure Islamic scholar, but of Islamic Law.

    Commercial Insurance in Light of Islamic Commercial Law

    Islamic Law prohibits business transactions that include a great deal of uncertainty. For example, I cannot sell you an unspecified quantity of peanuts for a fixed amount of money. The amount of peanuts must be specified. I cannot sell you a car for a certain sum of money without the make and model of the car being agreed upon beforehand.

    There are many authentic hadîth in this regard. For instance, Abû Hurayrah relates that Allah’s Messenger (peace be upon him) forbade business transactions determined by the throw of a stone and business transactions involving uncertainty. [Sahîh Muslim]

    Insurance is the sale of uncertainty itself. This is the strongest reason for its prohibition, since insurance is effectively the sale of a commodity that Islamic Law does not recognize as saleable. You pay the company to assume some matter of uncertainty in your life on your behalf. In life insurance, for example, you pay a fixed premium each month – say $200 – under an agreement that if you die, the company will pay out – say $75,000. If you die in one month, then the company has to pay you $75,000. If you live for forty years, you will have to pay them $96,000. If at that point you fail to continue to make your payments, your policy is cancelled and you get nothing back. Why is this? It is because you received for your $96,000 the benefit of their assuming your risk for you for those forty years. So you received, according to law, the commodity that you paid for during all those years and the company owes you nothing more.

    There are other problematic areas with respect to insurance, though these are far less important than the one just mentioned. In many instances, insurance resembles a type of prohibited interest (ribâ al-fadl), where two parties exchange the same commodity – gold, silver, dates, etc – in unequal quantities. Taking another look at our life insurance example above, assuming that you were to die one month into your policy, this would mean that you paid them $200 dollars and they paid you $75,000. Since Islam does not recognize the assumption of uncertainty as a salable item, this becomes an example of exchanging a like commodity (money in this case) in an unequal manner.

    Another problem with insurance is that it bears some resemblance to gambling. This comes as a consequence of the uncertainty inherent to the business of insurance. Insurance premiums are set based on the percentage chance that the individual policyholders will collect from their insurance. The company makes its profits by receiving more money from its customers than it pays out to those who deserve to collect. In a somewhat similar manner, a gambling casino earns its profits by calculating probabilities to ensure that its receipts exceed the winnings that it is liable to pay out.

    And of course we all know that driving a car is yet another inalienable right.

    I don’t see the relevance of this remark.

    Publius
    February 20th, 2012 | 4:57 pm

    You mentioned some states (not the Federal government, of course) mandating auto insurance if you want to drive a car. Yet, no one is forced to drive a car. We are all being forced to buy into Obamacare (at least until, God willing, the Supreme Court strikes it down). That’s the difference.

    ET
    February 20th, 2012 | 10:17 pm

    So if I m a devout Catholic who believes that both contraceptives and abortion are immoral, will I be able to purchase either through my employer (if in fact it is actually my money) or individually a policy that does not include the mandated items. Can I get my religious exemption?

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