File a Recovery claim

Three paths. Same data. No video. No "tell us your story." No photos of suffering required — just standard documentation of the calamity event.

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Coming soon

Auto-fill (eProfile)

If you have an eProfile, your identity and membership status are pulled automatically. You confirm the calamity details only.

Use form for now →
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Coming soon

Chat with Companion

The AI Companion guides you through the claim questions. Factual only — no emotional interrogation.

Use form for now →
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~10 minutes

Self-service form

Fill out the standard claim form with calamity details and upload documentation. Fastest path available now.

Open the form →
Recovery is calamity aid funded by investment yield + targeted contributions. Payouts depend on fund availability and may be partial or full. Recovery is NOT a commercial coverage product; we do NOT guarantee payout. Claim review focuses on verifying the calamity event happened — not judging worthiness or extracting emotional narratives.

Elderly member who can no longer care for themselves or their home? That qualifies as a calamity case. File here and we will respond with care; if the full Karam senior-care program applies, you will be guided through it. Learn about Karam →