Question 1

What exactly does Affirm Assist do?

Accepted Answer

Affirm Assist helps manage monthly long-term care insurance claims for policyholders and their families. We handle gathering documentation, completing forms, meeting deadlines, and ensure they are correctly filled out with accurate dates, submit them on your monthly schedule, and track confirmation, so the recurring paperwork burden is off your plate. We are not a law firm, insurance agency, or home care provider.

Question 2

Do you guarantee my claim will be approved or paid?

Accepted Answer

No. Claim approval and benefit payment are decided solely by your insurance company based on your policy. What we do is make sure your paperwork is accurate and submitted on time, which reduces the risk of delays caused by incomplete documentation.

Question 3

How do I get started?

Accepted Answer

Simply complete our short intake form or reach us directly. We will review your information and reach out within one business day to walk you through the next steps.

Question 4

Is my personal and health information kept private?

Accepted Answer

Yes. Affirm Assist operates under strict HIPAA-compliant privacy and security protocols. All personal, medical, and financial information you share with us is handled with the highest level of confidentiality and is never sold or shared with third parties.

Question 5

Do you ever receive my benefit payments?

Accepted Answer

No. Affirm Assist operates on a submission-only model. We manage all claim paperwork and communications with your insurer, but your benefit payments go directly from the insurance company to you or your care provider. We never handle, receive, or redirect your benefit funds.

Question 6

How are you different from agencies that file claims for free?

Accepted Answer

Home-care agencies file claims as a courtesy tied to the care they bill. We're independent — we don't provide care and don't bill your policy, so our only job is making sure your claim is right and on time. That independence is the entire point.

Question 7

Do I need to switch home care agencies or caregivers to use Affirm Assist?

Accepted Answer

No. We're agency-neutral, which means we work alongside whatever care arrangement you already have — private caregiver, family caregiver, assisted living, memory care, home care agency, or facility care. Nothing about your current care needs to change.

Long-Term Care Insurance Claim Filing FAQs

Make Monthly Long-Term Care Claim Filing Easier