Kemper no longer offers short-term/cash indemnity products. However, Kemper still services these policies, which are guaranteed renewable - meaning Kemper will not cancel currently active policies. Kemper presently markets other types of insurance products that are available. 

Insurance companies like Aetna and Guarantee Trust Life are the leaders in the limited duration/cash indemnity product category with relaxed underwriting criteria. 

Find State-Specific Information

Short-term/Limited Duration plans are only available in some states. Find your state's page on the  LTC NEWS Cost of Care Calculator to see if your state offers these products.

Kemper's Home Care Cash Indemnity Product

Kemper was known for having a home care only plan. The policy features included:

• Daily Benefit of $150 a day, depending on the type of provider used

• Some states offer adult day care coverage

• Benefit Period of 365 days

• Restoration of benefits

• Zero-Day Elimination Period 

• Prescription Drug Indemnity Benefit of $250 a year 

Kemper Claims

Kemper still honors all the policies they have issued. LTC NEWS offers free - no-obligation assistance - including help finding quality caregivers and facilities. Since most agents have little or no experience in this area, this assistance can benefit the entire family - Filing a Long-Term Care Insurance Claim.

Shopping for Long-Term Care Insurance?

Several insurance companies offer traditional Long-Term Care Insurance or hybrid policies that combine life insurance or annuities with a qualified raider for long-term care.

Numerous state and federal regulations impact Long-Term Care Insurance and related products. Each state's department of insurance regulates products and premiums. Because of regulation, an insurance agent, agency, or financial advisor cannot give a consumer a special discount that is not available otherwise. 

Use all the tools and resources available on LTC NEWS to help you in your research - Resources for Long-Term Care Planning.

There are more similarities than differences when it comes to features and benefits. However, options and benefits vary from company to company, and premiums can vary between companies by over 100% when comparing equal benefits.

Underwriting

Long-Term Care Insurance is medically underwritten, and every company has underwriting rules that determine insurability and rate class. An experienced Long-Term Care Insurance specialist will understand these underwriting rules when helping you select the best company and policy options.

Please note: Depending on your health, a limited duration/short-term cash identity policy might be appropriate. Since every company has different underwriting rules, you could be eligible for coverage with one company and not another.

Be sure to seek the assistance of a qualified Long-Term Care Specialist to compare each policy's features, benefits, and costs. You can find  

a trusted and qualified specialist representing the major insurance companies that offer these products - Work With a Specialist.

About Long-Term Health Care Planning

Long-Term Care Insurance can be personalized to meet your unique needs, concerns, and budgetary concerns about the costs and burdens of aging and declining health. A specialist will help you develop your plan to address your concerns. Generally, you can design a plan to meet some or all of these common goals:

• Safeguard income and savings

• Protect the lifestyle of your spouse/partner

• Provide options for quality care

• Reduce the stress and burdens otherwise placed on family members

• Give your adult children time to be family

• Provide a legacy for loved ones 

State variations may apply.