From left to right: Sister Catherine Joy, Sister Virginia Joy, and Sister Israel Rose of the Sisters of Life at SEEK 2026 in Denver. | Credit: Francesca Fenton/EWTN News
Jan 7, 2026 / 06:00 am (CNA).
Hundreds of young women filled a ballroom on Jan. 4 at the 2026 SEEK Conference in Denver to hear Sister Virginia Joy Cotter, SV, discuss how to follow God’s call and determine one’s vocation.
“When we think about vocation, it’s ultimately a call to love and be loved,” Sister Virginia Joy said during her talk, titled “The Adventure of the Yes: Following God’s Call.”
“Growing up, or even now, you’re probably asked, ‘What are you going to do when you grow up? What’s your major? What do you want to do with your life?’” she said. “I would guess no one has probably asked you, ‘What are you going to do with your love? How do you plan to make a gift of yourself?’ But these are the questions that sit behind a vocation.”
“For some, the word vocation might be completely foreign to you. For others, maybe it provokes a stream of emotions from wonder to anticipation to anxiety. Whatever it means to you, it’s good to take stock of where it sits with you right now and open your heart to whatever God wants to give you this morning.”
Sister Virginia Joy shared that “ultimately, our vocation is not a problem to be fixed or a riddle to be solved … Vocation is deeply relational, personal, and distinct. It comes from the Latin ‘vocare,’ meaning to call, to name, to summon. There’s one who calls and there’s one who responds. It’s a relationship between each individual and God.”
Here are seven ways a person can discern his or her vocation based on Sister Virginia Joy’s talk:
Pay attention to where and how you are called to love
Sister Virginia Joy shared that the questions behind one’s vocation are fundamentally about “what are you going to do with your love” and how you are called to “make a gift of yourself,” not merely what career or role you will have.
Receive God’s love first
She emphasized that the prerequisite for hearing God’s call is first receiving his love, since vocation flows from a relationship.
“When I think about a vocational call, I think of two things: First, God is the one who calls, and it is always a call of love. Second, we are the ones to respond to that call and to love in return. So first, the prerequisite to hearing God’s call is receiving his love,” Sister Virginia Joy said.
Develop a real prayer life and speak honestly to God
God makes himself known in prayer, especially when a person speaks from the heart — expressing longing, confusion, loneliness, or desire for meaning.
Sister Virginia Joy highlighted that “God is looking for a place to break in and make himself known. I trust you’ve experienced it here at SEEK. It’s real. He’s real. And he is in pursuit of your heart. He knows you and he desires that you come to know him. This happens in prayer.”
“But prayer can be challenging because we’re used to instant gratification. We want to see results. And yet relationships, they’re not about results,” she added. “Relationships take time, patience, and trust. Sometimes I think we settle or we allow ourselves to get distracted because real love means facing our weakness and searching for the Lord in times of loneliness, doubt, and even pain.”
Stay close to the sacraments, especially confession and the Eucharist
Sister Virginia Joy emphasized that living in grace and regularly receiving the sacraments helps ensure that a person does not miss God’s call and gains the strength to respond in his time.
She shared with those gathered that she has always found herself making life decisions after “a good confession — decisions to move across the country, decisions to become a missionary, decisions to accept a particular job or begin or end a dating relationship.”
“I know there can be a lot of fear about somehow missing what God is calling me to,” Sister Virginia Joy said. “And I just want to crush that fear because the truth is if you’re staying close to the sacraments, if you’re living in grace, you will not miss what God is calling you to. And because of the grace of the sacraments, you will have the strength to respond in God’s time.”
Live your call to love daily, even before knowing your definitive vocation
Sister Virginia Joy stressed that holiness and vocation are lived now, through everyday acts of love, even before one enters marriage, religious life, or another permanent state.
She asked those gathered: “Where are we called to love?”
“It’s not a complicated question. All the love happens right where God has you — with family, friends, roommates. We are each given so many opportunities to love every day. You might not be in your definitive vocation right now or five years from now, but your call to love is now. Your call to make a gift of yourself is now,” she said.
Recognize your unique gifts
Especially for women, discerning vocation involves recognizing the “uniquely feminine” capacity for receptivity, generosity, spiritual maternity, and leading others to God, Sister Virginia Joy explained.
“As women, we possess a unique capacity for love … Written into our very makeup by design, we as women have space for another, room for another. And the physical capacity — we’ve heard this over the days — the physical capacity to receive and carry life sheds a much deeper reality within the heart of each woman,” she said. “Our bodies and souls are intimately connected and together they tell us something — that our love is receptive, sensitive, generous, maternal.”
Observe where your heart becomes undivided and free
A key sign of vocation is interior freedom and unity of heart, where fear gives way to peace and clarity about where, as Sister Virginia Joy said, one is called “to make a gift of oneself in a total way.”
She shared that while discerning her own vocation her heart was divided — seeing the beauty in both married life and religious life. It wasn’t until she asked in prayer, “What do you want, Lord?” while on retreat with the Sisters of Life that she heard him say, “You. You. All of you for myself.”
“And in an instant, my heart was undivided,” she recalled. “I knew where I was being called to give my love and my life, and I felt more free than I ever had.”
“Your love story is going to be perfectly unique to you,” Sister Virginia Joy added. “God has been preparing something far beyond your expectations and he desires your freedom to respond with an undivided heart. Whether it be marriage, religious life, lay life, there is no doubt he wants you and your unique love. God loves you.”
Read More![Trump urges Republican ‘flexibility’ on taxpayer-funded abortions #Catholic
President Donald Trump talks to Republicans about their stance on the Hyde Amendment on Jan. 6, 2026. | Credit: Mandel NGAN/AFP via Getty Images
Jan 6, 2026 / 18:10 pm (CNA).
President Donald Trump is asking congressional Republicans to be more flexible on taxpayer funding for abortions as lawmakers continue to negotiate an extension to health care subsidies related to the Affordable Care Act, also known as Obamacare.Some federal subsidies that lowered premiums for those enrolled in the Affordable Care Act expired in December. The Kaiser Family Foundation estimates that the average increase to premiums for people who lost the subsidies will be about 114%, from $888 in 2025 to $1,904 in 2026. The exact costs will be different, depending on specific plans.Trump has encouraged his party to work on extending those subsidies and is asking them to be “flexible” on a provision that could affect tax-funded abortion. Democrats have proposed ending the restrictions of the Hyde Amendment, which bans direct federal funding for abortions in most cases.“Let the money go directly to the people,” Trump said at the House Republican Conference retreat at the John F. Kennedy Center for the Performing Arts on Jan. 6.“Now you have to be a little flexible on Hyde,” the president said. “You know that you got to be a little flexible. You got to work something [out]. You got to use ingenuity. You got to work. We’re all big fans of everything, but you got to be flexible. You have to have flexibility.”The Hyde Amendment began as a bipartisan provision in funding bills that prohibited the use of federal funds for more than 45 years. Lawmakers have reauthorized the prohibition every year since it was first introduced in 1976.A study from the Charlotte Lozier Institute estimates that the Hyde Amendment has saved more than 2.6 million lives. According to a poll conducted by the Marist Institute for Public Opinion, which was commissioned by the Knights of Columbus, nearly 6 in 10 Americans oppose tax funding for abortions.However, in recent years, many Democratic politicians have tried to keep the rule out of spending bills. Former President Joe Biden abandoned the Hyde Amendment in budget proposals, but it was ultimately included in the final compromise versions that became law.Marjorie Dannenfelser, president of Susan B. Anthony Pro-Life America, criticized Trump for urging flexibility on the provision, calling its support “an unshakeable bedrock principle and a minimum standard in the Republican Party.”Dannenfelser said Republicans “are sure to lose this November” if they abandon Hyde: “The voters sent a [Republican] trifecta to Washington and they expect it to govern like one.”“Giving in to Democrat demands that our tax dollars are used to fund plans that cover abortion on demand until birth would be a massive betrayal,” she said.Dannenfelser also noted that, before these comments, Trump has consistently supported the Hyde Amendment. The president issued an executive order in January on enforcing the Hyde Amendment that accused Biden’s administration of disregarding this “commonsense policy.”“For nearly five decades, the Congress has annually enacted the Hyde Amendment and similar laws that prevent federal funding of elective abortion, reflecting a long-standing consensus that American taxpayers should not be forced to pay for that practice,” the executive order reads.“It is the policy of the United States, consistent with the Hyde Amendment, to end the forced use of federal taxpayer dollars to fund or promote elective abortion,” it adds.](https://unitedyam.com/wp-content/uploads/2026/01/trump-urges-republican-flexibility-on-taxpayer-funded-abortions-catholic-president-donald-trump-talks-to-republicans-about-their-stance-on-the-hyde-amendment-on-jan-6-2026.jpg)
![Albany’s retired bishop files for personal bankruptcy #Catholic
Bishop Edward Scarfenberger. / Credit: Photo courtesy of the Diocese of Albany
National Catholic Register, Dec 19, 2025 / 12:24 pm (CNA).
A retired New York bishop has filed for personal bankruptcy protection in federal court after a state jury verdict found him, along with other officials, personally liable for the collapse of a Catholic hospital pension fund that left about 1,100 retirees without the lifetime monthly payments they were expecting.It’s not clear whether a Catholic bishop in the United States has ever previously filed for personal bankruptcy protection.Bishop Edward Scharfenberger, 77, who served as bishop of Albany from April 2014 until his retirement in October, is seeking protection from creditors for his assets valued at between $100,001 and $500,000, according to a filing Tuesday in the U.S. Bankruptcy Court for the Northern District of New York.The seven-page filing does not list the bishop’s assets but states that he has between 100 and 199 creditors and debts totaling between $1,000,001 and $10 million.Last week, a jury found Scharfenberger 10% liable in a $54.2 million judgment in a civil lawsuit over the failed pension plan once provided by St. Clare’s Hospital in Schenectady, a Catholic hospital that operated from 1949 until 2008, according to The Evangelist, the diocese’s newspaper.The verdict and judgment, issued Dec. 12, cover compensatory damages — the amount a court finds is owed to plaintiffs for harm they have suffered — but not punitive damages, which may be added in cases of recklessness, malice, or fraud. The bankruptcy filings by the bishop and another defendant in the state lawsuit over the pension plan failure forced a pause in a punitive damages hearing earlier this week, according to WNYT Channel 13 in Albany.The National Catholic Register, CNA’s sister news partner, was unable to reach Scharfenberger before the publication of this story. A lawyer representing the bishop acknowledged a request for comment Dec. 17 but did not immediately provide one.A rare personal bankruptcyIn recent decades, bankruptcies have occurred regularly in the Catholic Church in the United States. Between 2004 and November 2025, 39 of the country’s dioceses have filed for bankruptcy, almost all to protect assets from clergy sex-abuse lawsuits, as the Register reported last month. One of those is the Diocese of Albany, which filed for bankruptcy in March 2023. But those diocesan cases were filed under Chapter 11 of the U.S. Bankruptcy Code, which allows a corporation, partnership, or sole proprietorship to reorganize and continue operating while developing a court-approved plan to repay creditors.Scharfenberger filed under Chapter 13, which allows an individual with regular income who cannot pay debts to keep certain assets while working out a repayment plan. “The rules in Chapter 13 permit a debtor to keep property and confirm a plan with payments to creditors based on the debtor’s ‘disposable income,’” said Marie Reilly, a bankruptcy expert and law professor at Penn State Dickinson Law, in an email. “If the debtor commits his disposable income to paying creditors for the term of a three- to five-year plan, he gets a discharge (forgiveness) of the unpaid balance.”Reilly, who has researched several dozen diocesan bankruptcies for The Catholic Project, a lay initiative of The Catholic University of America in Washington, D.C., told the Register that the bankruptcy filing does not necessarily solve all of the bishop’s money problems.“There are exceptions — some debts don’t get discharged. Creditors can object to the plan if it does not meet the statutory requirements,” Reilly said. “And, it is possible that the pension fund creditor may move to dismiss the bishop’s Chapter 13 case as having been filed ‘in bad faith.’”$50 million shortfall St. Clare’s Hospital was originally run by the Franciscan Sisters of the Poor. The Diocese of Albany maintains that it never owned the hospital and that the bishop of Albany merely provided “canonical oversight” to make sure the hospital met “its mission to serve all in accord with Catholic moral standards,” according to an August 2025 statement from the diocese.Last week, the jury found that the Diocese of Albany has no liability for the pension failure, instead holding the hospital corporation and certain officers and board members accountable. In addition to Scharfenberger, the jury found two deceased employees of the diocese liable, according to The Evangelist: Former Albany Bishop Howard Hubbard (1938–2023), who led the diocese from 1977 to 2014, was found 20% liable; and Father David LeFort, a former vicar general of the diocese who died in August 2023, was found 5% liable. Also found liable were St. Clare’s Corporation (20%), St. Clare’s president Joseph Pofit (25%), and former St. Clare’s president Robert Perry (20%), according to The Evangelist.The judgments stem from a pension plan that operated for about 60 years. In 1959, the hospital began offering employees a defined-benefit plan that provided a lifetime monthly pension after retirement.Church plan exempt from ERISALike most plans operated by Catholic institutions, the pension plan had a religious exemption from the federal Employee Retirement Income Security Act of 1974 (known as ERISA), which sets minimum funding requirements for most nonreligious pension plans and also enables the federal government to step in and make payments to retirees of failed plans, using a fund financed by covered pension plans.When the hospital closed in 2008, the officers of St. Clare’s “determined that the corporation would continue to exist for purposes of administering the pension plan,” according to a complaint filed in state court in Schenectady County by the New York attorney general’s office in May 2022. “They also chose to continue treating the pension plan as a ‘Church plan’ — which it could do only if the corporation’s former employees and pensioners were designated as employees of the Church. This was all in order to avoid the contribution and insurance requirements of ERISA, and the duties imposed by ERISA upon corporation directors and trustees as fiduciaries,” the complaint states.The bishop of Albany was automatically a member of the hospital’s board and served as its honorary chairman, and had authority to appoint most of the directors on the board, according to the state attorney general’s complaint.The attorney general’s office alleged that St. Clare’s Corporation failed to make contributions to the pension fund “for all but three years from 2001 to 2019” and concealed from retirees “the insolvency of the pension plan.”In 2018, the St. Clare’s board terminated the pension plan effective Feb. 1, 2019, because of an approximately $50 million shortfall. More than 1,100 employees lost retirement benefits, including about 650 who lost all pension payments and about 450 who received a lump-sum payment “equal to 70% of the value of their vested pension,” the complaint states. The retired employees include “nurses, lab technicians, social workers, EMTs, orderlies, housekeepers, and other essential workers” who worked at the hospital “between 10 and 50 years,” the complaint states.Testimony and reactionOn Dec. 9 during the civil trial, Scharfenberger testified that during his tenure no boards he sat on ever discussed the hospital’s pension plan, according to The Times-Union of Albany. In a written statement issued in August, when Scharfenberger still led the Diocese of Albany, the diocese said the bishop “has actively sought ways to help the pensioners” while denying that the diocese ever “exercised any control over St. Clare’s Hospital operations or its pension.” “He hosted a listening session with pensioners at Siena College to identify issues and consider ways to help those in need. He also reached out to the Mother Cabrini Foundation to try to secure funding for the pensioners, but that effort was unable to move forward once the pensioners filed the lawsuit,” the statement said. “The diocese is eager to see the case move forward and promptly resolved,” the August statement continued. “Our prayers continue for all who are struggling in any way, and as we stated previously, our offer to connect those in need with services that can help, stands. No one should walk alone.”His successor, Bishop Mark O’Connell, who was installed as bishop of Albany on Dec. 5, told reporters shortly before the verdict was announced last week: “I care deeply about their hurt [and] not having their pensions,” according to The Evangelist.During the Dec. 12 press conference, when a reporter asked O’Connell what the diocese would do if the jury found the diocese liable for the pension fund collapse, the bishop noted that the diocese is already in the midst of a bankruptcy process.“If we are liable, then we’ll do what we can to make amends, given that they are one creditor as a group among many people accusing the Diocese of Albany,” O’Connell said, according to WAMC Northeast Public Radio. “And that’s what bankruptcy process is. We obviously cannot pay a billion dollars. Right? So that’s what Chapter 11 is all about, to figure out what’s fair. And since you have a bankruptcy judge and mediators, it’s not up to us.”Later that day, the jury found the diocese not liable in the pension fund collapse lawsuit. The diocese issued a written statement, according to The Evangelist, that said: “As grateful as we are for the jury’s informed decision, we are still very much aware of the hurt felt by the St. Clare’s pensioners who cared for the sick and the poor throughout the long history of St. Clare’s Hospital. This does not mean that we will turn our backs to the pensioners, for as Bishop O’Connell has noted, they are a part of our flock; they are still in need of healing.”That same day, lead plaintiff Mary Hartshorne, who worked in the hospital’s radiology department for about 28 years, told WNYT Channel 13 in Albany that she and other hospital retirees were pleased with the jury’s verdict but did not feel they would be made whole.“We’ve been playing this game for seven and a half years, and I think my question I ask everybody is: How do you get that back? You don’t,” she said.This story was first published by the National Catholic Register, CNA’s sister news partner, and has been adapted by CNA.](https://unitedyam.com/wp-content/uploads/2025/12/albanys-retired-bishop-files-for-personal-bankruptcy-catholic-bishop-edward-scarfenberger-credit-photo-courtesy-of-the-diocese-of-albanynational-catholic-register-dec-19-2025-1.webp)
![Pro-life, Christian health insurance company launches in Texas #Catholic
Co-founder Bob Hogan (left) and CEO and co-founder Daniel Cruz (right) are launching a pro-life health insurance plan that is in line with Catholic morality. / Credit: Courtesy of Presidio Healthcare
CNA Staff, Nov 28, 2025 / 07:00 am (CNA).
Two Texas pro-lifers are launching a health care plan that embraces Catholic life ethics, creating an ethical option for Christians.Health insurance companies often cover things that are in tension with Catholic Church teaching or a Christian pro-life ethic, such as abortion, contraceptives, or assisted suicide.Daniel Cruz and Bob Hogan founded the FortressPlan by Presidio Healthcare because they wanted a pro-life, Christian alternative. “FortressPlan,” which launched in November, does not cover any health care offerings that go against Catholic teaching. While making a start in Texas, the co-founders hope to expand across the U.S. Hogan, co-founder of Presidio and an alum of Franciscan University of Steubenville in Ohio, said that health care sharing ministries “are largely unregulated and are not legally required to pay families’ medical bills,” which can “cause tremendous financial stress for families.”As a more realistic alternative, he and Cruz “set out to create a real insurance company,” Hogan said in a statement shared with CNA. Cruz spoke with CNA about the Catholic values behind the FortressPlan. CNA: What makes Presidio Healthcare’s FortressPlan unique among insurance options in the U.S.?Daniel Cruz: The FortressPlan stands out as the only health insurance plan that aligns with the culture of life. Unlike other insurers, it does not cover abortifacients, contraception, transgender treatments or surgeries, euthanasia, in vitro fertilization, or similar practices.What makes the Fortress Plan pro-life and Christian? What inspired you to align the plan with the “Ethical and Religious Directives for Catholic Health Care Services”?Presidio Healthcare Insurance Company is the first health insurer in the United States to be filed as a Catholic entity. Designed to respect the dignity of every person, the FortressPlan aligns with the “Ethical and Religious Directives [ERDs] for Catholic Health Care Services.”The ERDs represent a formally recognized expression of Catholic moral doctrine, protected under federal conscience and religious-freedom laws, which allows us to operate in the private market with an authentically Catholic health plan. A major element of our mission is to promote life-affirming physicians and services, and the ERDs serve as a concrete guide to help us accomplish that aim.What inspired you to launch the pro-life Christian health insurance option, the FortressPlan? What challenges have you faced in launching it?I was approached by a former client to estimate the cost of an abortion for their health plan. This request ignited a passion to apply my skills as an actuary in a different direction. After discovering that no insurance companies were entirely pro-life or that sharing ministries fell short of offering true financial protection for families, I decided to establish the first pro-life Christian insurance company.What are your future goals for the FortressPlan and this movement toward pro-life, Christian insurance? How do you hope it will impact people?Our future objectives include expanding nationwide and entering both the ACA [Affordable Care Act] and employer markets, building a well-recognized brand that represents Christian health care.](https://unitedyam.com/wp-content/uploads/2025/11/pro-life-christian-health-insurance-company-launches-in-texas-catholic-co-founder-bob-hogan-left-and-ceo-and-co-founder-daniel-cruz-right-are-launching-a-pro-life-health-insuranc.webp)
