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Change the Way You Talk About Short Term Disability

As the healthcare landscape changes, so do the roles voluntary benefits play in employees lives. Employees want to know how insurance will benefit them not what it can do for others. Today, maintaining a certain way of living is a top priority for employees.

Short term disability insurance can address employee concerns when they forgo a paycheck due to injury or illness. It also can help employers improve productivity, manage costs and maintain competitiveness. Exactly how it can help achieve these things needs to be better communicated as short term disability insurance is often misunderstood.

More than 20 percent of workers younger than 40 say they are more likely to hit the lottery than suffer a disability, according to the Council for Disability Awareness.1 One in four of today’s 20-year-olds will become disabled before they reach 67.2 Many employees learn this the hard way as illnesses account for 90 percent of all disabilities.3

Not all health conditions for which disability benefits are payable have a negative association. Pregnancy resulted in the highest use of short-term disability coverage among Generation X and Millennial populations. Employees of these generations want lifestyle benefits that help them maintain their way of living.4

The conversation on short term disability insurance must change from asking employees how long they can go without a paycheck to how long can they go maintaining their current lifestyle. Agents must effectively communicate how short term disability is a necessary benefit. When employees are no longer receiving an income, they can’t continue to build assets and their current way of living will fall to the wayside.

Including disability insurance into every presentation enforces how disability insurance can protect employees’ lifestyles unlike any other. Kemper Benefits Short Term Disability insurance plan is a necessary benefit that can help employees maintain the lifestyle they have worked so hard to create.

  1. Council for Disability Awareness, “2014 Disability Awareness Study,” 2014
  2. Social Security Administration, “Basic Facts.” 2014.