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46% of adults can’t cover an emergency expense of $4001
Many employees think ‘being healthy’ is enough to avoid illness. This mindset can leave them financially unprepared if an unexpected illness or injury occurs. It seems both employers and employees lack the proper understanding on how to apply an income replacement plan. With the right educational tools, you can increase your clients' and their employees’ readiness to elect critical illness and short-term disability insurance.
In 2014, fewer than 40% of employees in the private sector had short-term disability coverage.
–Bureau of Labor Statistics
The Kemper Health Critical Illness and Short-term Disability insurance products complement your clients’ existing major medical plans, MEC, and HDHPs. Benefits are paid directly to employees and can be used for medical and non-medical costs, like child care, rent or even groceries. These insurance plans can help protect employees when the unexpected leaves them unable to earn a paycheck.
Partner with us- we understand the challenges of educating your clients and their employees. Let Kemper Health give you the tools you need to succeed!
Click here to view our CI Educational video
Contact your Territory Manager today at 877.907.5511 to learn more about the Kemper Health voluntary benefit solutions.
1 Federal Reserve research, 2016

KB-AH-VP (06/16)
The underwriting company for the Accident Expense, Accident Indemnity, Critical Illness Dental Short Term Disability and Whole Life Insurance Products is Reserve National Insurance Company, a Kemper Life & Health Company. Kemper Corporation (NYSE: KMPR) is one of the nation’s leading insurers, with subsidiaries that provide an array of products to the individual and business markets. Kemper underwriting companies are rated “A-” (Excellent) by A.M. Best Company, a leading insurance industry rating authority. Kemper Corporation is not responsible for the products of any of its underwriting companies. The underwriting company for the Hospital Indemnity, Gap, Limited Medical, and Vision Insurance Products is Fidelity Security Life Insurance Company (FSL). FSL is rated “A-” (Excellent) by A.M. Best Company. FSL 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. Neither Reserve National Insurance Company FSL, nor its agents, representatives, associates or employees render legal or tax advice. The employer should seek the expert assistance of its own legal or tax adviser.

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