KEMPER HEALTH

Short Term Disability Insurance

People expect to miss the occasional day or two of work because of illness or injury. But sometimes health issues can lead to extended leaves of absence and even lost income. For example, nearly one in three women can expect to suffer a disability that keeps them out of work for 90 days or longer, and for men the odds are about one in four1. In addition, a 2010 study revealed that 48 percent of Americans do not save any annual income! For these reasons and more, short term disability insurance is more than just a good idea—it is a necessity.

Plan at a glance

  • Group platform
  • Minimum/Maximum benefits amounts: $100-$1500/week
  • Flat benefit amount
  • Maximum percent of salary replacement: Up to 60% (40% in CA, HI, NJ and RI)
  • 24- hour and non-occupational only coverage available (selected at the employer level)
  • Benefit period options: 13 week, 26 week and 52 week benefit periods available

1. Social Security Administration, Fact Sheet, February 7, 2013;

Kemper Health is the brand name for insurance products issued by subsidiary insurance companies controlled by Kemper Corporation. Each subsidiary of Kemper Corporation is solely responsible for the insurance products it underwrites and issues.

The underwriting company for the worksite voluntary Accident Expense, Accident Indemnity, Cancer, Critical Illness, Dental, Short Term Disability and Whole Life Insurance Products is Reserve National Insurance Company, which is responsible for the underwriting risks, financial and contractual obligations and support functions associated with the products it issues. The underwriting company for the worksite voluntary Hospital Indemnity, Signature Gap, Indemnity Outpatient Prescription Drug, Limited Medical, and Vision Insurance Products is Fidelity Security Life Insurance Company. Fidelity Security Life Insurance Company is not financially affiliated with Kemper Corporation. All products are subject to the terms, conditions, limitations and exclusions of the specific policy. Product availability may vary by state. The Kemper Health voluntary insurance plans, either alone or in combination with each other, are not “minimum essential coverage” under the federal Affordable Care Act. Neither Reserve National Insurance Company, Fidelity Security Life Insurance Company, nor their agents, representatives, associates or employees render legal or tax advice. The employer should seek the expert assistance of its own legal or tax adviser.

IMPORTANT: If an individual is insured under one or more Kemper Health voluntary insurance plans and is also covered by Medicaid or a state variation of Medicaid, most non-disability benefits are automatically assigned according to state regulations. This means that instead of paying the benefits to the insured individual, we must pay the benefits to Medicaid or the medical provider to reduce the charges billed to Medicaid. Proposed insureds should consider their circumstances before enrolling in Kemper Health coverage.

If you are an employer offering one or more of these insurance products to your employees, the product(s) may constitute a part of an employee benefit plan under the Employee Retirement Income Security Act of 1974 (“ERISA”). An employer offering an ERISA employee benefit plan will be responsible for a number of obligations applicable under ERISA, including, without limitation, the obligation to make required disclosures to employees and file reports with the federal government. You should consult with an experienced attorney concerning the requirements for compliance with ERISA.