Kemper Senior Solutions
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1 Kemper Senior Solutions Offered by: Insurance Benefits Provided by Reserve National Insurance Company PP-KSS (6/13) For agent use only. Not for use in sales presentations
2 Kemper Corporate Overview Multi-line insurance holding company incorporated in 1990 and based in Chicago, IL (Ticker NYSE:KMPR) Flagship operating companies have been conducting business for more than 80 years More than 6 million policyholders More than $8 billion in assets Licensed in 42 states Underwriting companies are rated A - (Excellent) by A.M. Best Company, the leading insurance industry rating authority
3 Kemper Senior Solutions Underwritten by Reserve National Insurance Company Kemper Owned Rated A - (Excellent) by A.M. Best Company Thousands of rural Americans have trusted Reserve National Insurance Company for more than 55 years Based in Oklahoma City, OK Focused on developing new and innovative solutions for your clients needs Reserve National s experience is rooted in the Senior Market For Agent Use Only
4 Kemper Senior Solutions Every Agent Needs This Product! Issue to Age 85 Only 2 Health Questions Great Commissions Lifetime Renewals Insurance Benefits Provided by Reserve National Insurance Company
5 Home Health Care Indemnity Policy Insurance Benefits Provided by Reserve National Insurance Company
6 Home Health Care is a Major Concern FACTS YOU SHOULD KNOW: Hospital stays are getting shorter. More people are recovering at home instead of having extended hospital stays. Estimates indicate that 11 million Americans need home health care services. 1 Home care is the fastest growing segment of the health care industry. 1 Benefits under Kemper Senior Solutions Home Health Care policy are payable regardless of any other coverage you may have, including Medicare. 1 SOURCE: Basic Statistics About Home Care, National Association for Home Care.
7 Kemper Senior Solutions Home Health Care Indemnity Benefits What is Covered? A benefit is paid each day you receive the following services in your home from an Approved Home Health Care Practitioner, up to a daily maximum benefit of $150. Skilled Nursing Care (RN). $ 75 General Nursing Care (LPN or LVN).. $ 60 Physical Therapy. $ 75 Speech Pathology.. $ 75 Occupational Therapy. $ 75 Chemotherapy Specialist Services. $ 60 Enterostomal Therapy $ 50 Respiration Therapy. $ 50 Medical Social Services. $ 100 Subject to the policy provisions and limitations
8 Kemper Senior Solutions Home Health Care Indemnity Benefits Home Health Care Aide Benefit We will pay, subject to the policy provisions and limitations, a daily benefit of $40 for each day your require the services of a Home Health Care Aide immediately following a hospital confinement of not less than three days. Prescription Drug Benefit If you incur expenses in excess of the deductible of $50 per policy year for Prescription Drugs, we will pay 80% of these expenses, limited to a maximum benefit of $250 per policy year. The Home Health Care Benefit and the Home Health Care Aide Benefit are subject to the Maximum Benefit Periods provided in the policy. See the policy and/or outline of coverage for details. *Subject to the policy provisions and limitations Guaranteed renewable!
9 Restoration of Benefits The Restoration of Benefits provision fully restores the Maximum Benefit Period of the Home Health Care Benefit if the Covered Person has used all or a portion of the client s Maximum Benefit Period, and then: Does not receive or require Home Health Care or Home Health Care Aide Services for 180 consecutive days; and The Covered Person s Physician certifies that the Covered Person has recovered to the point of not requiring Home Health Care or Home Health Care Aide Services. There is no limit for the number of times the Maximum Benefit Period can be restored in a covered person s lifetime! Policy provisions may vary by state.
10 Restoration of Benefits Example: If a Covered Person has a stroke and receives the Home Health Care Benefit for 72 days, then a month later develops complications from the stroke and receives the benefit for 15 additional days, then three months later has a hip replacement and receives the Home Health Care Benefit for 36 days, the total of the benefit period he would have used is 123 days. If he does not use or require Home Health Care or Home Health Care Aide Services for 180 consecutive days, the Restoration of Benefits provision restores the Maximum Benefit Period in full for both the Home Health Care Benefit and the Home Health Care Aide Benefit. Policy provisions may vary by state.
11 Kemper Senior Solutions Home Health Care Coverage is Affordable Kemper s Home Health Care Benefit: $150 maximum benefit per day equivalent to $54,750 maximum benefit per year* Since this is an indemnity plan it will pay out even if Medicare or other health insurance pays! Rx Drug Benefit (included at no extra charge): $250 maximum benefit per year* Will pay 80% of prescription expenses less a $50 deductible (requires expense of $363 for maximum benefit) *Benefit may vary by state.
12 Kemper s Home Health Care Rx Drug Benefit
13 Kemper s Home Health Care Coverage is Affordable Sample Premium Example: Ages 65 Basic Plan: $ Annual Premium $ Rx Drug Benefit. $ Effective Yearly Expense Policy provisions and premiums may vary by state.
14
15 Home Health Care Indemnity Policy Extra Benefits Option Insurance Benefits Provided by Reserve National Insurance Company
16 Optional - EXTRA Benefits Annual Physical Exam $ 150 We will pay $150 each time you have a Physical Examination, limited to one exam every 12 months.* *Benefit requirements vary by state.
17 Optional - EXTRA Benefits Vision $40 per exam + $75 for lenses and frames $40 each time you have an eye examination limited to one exam every 12 months. $75 each time you purchase eyeglass lenses and frames, limited to one set of lenses and frames every 24 months.
18 Optional - EXTRA Benefits Hearing Benefit $ 50 per exam + $250 for hearing aid $50 each time you have a hearing examination, limited to one exam every 12 months. $250 each time you purchase a hearing aid, limited to one hearing aid every 24 months.
19 Optional - EXTRA Benefits Ambulance $ 100 per trip We will pay $100 for each ambulance trip to a hospital and $100 for the return trip home, limited to $200 in any 12-month period.
20 Optional - EXTRA Benefits In-Hospital Private Duty Nurse Benefit $80 a day We will pay $80 for each 24-hour day you are confined in a hospital and require private duty nursing services from an RN, limited to 30 days in any 12-month period.
21 Kemper Senior Solutions Home Health Care Indemnity Benefits Kemper Senior Solutions is issuing 97% of the Home Health Care applications submitted to the company After 7 years, Reserve National still has approximately 85% of policies renewing Guaranteed renewable with lifetime renewals Simplified Underwriting (accept or decline) underwriting with no rate ups and can issue up to age 85 Not affected by HealthCare Reform The policy can be used every year because of the Rx Drug Benefit Policy provisions may vary by state.
22 Kemper Senior Solutions Every Agent Needs This Product! Clients who were declined for LTCi Clients who can t afford LTCi Great Commissions Lifetime Renewals
23 Call us today to get started with this exciting product! x 4057
Home Health Care Insurance Plan
KEMPER SENIOR SOLUTIONS Home Health Care Insurance Plan Insurance Benefits Provided by Reserve National Insurance Company A Kemper Life & Health Company B-HHC-SS-5 (08/14) KEMPER SENIOR SOLUTIONS Peace
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Y o u r B e n e f i t s a t a G l a n c e Single Coverage Deductible... $3,750 per Member Coinsurance... None Total Out-of-Pocket Limit... $3,750 per Member Family Coverage Deductible... $3,750 per Member
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PPO Plan For Non-PPO Providers Employee Premium None None None None None Explanation of Plans and Options Available to You Deductible Annual Out-of-Pocket If you choose a doctor who is not contracted with
Plan changes are in red In-Network 2015 Out-of-Network
General Information Lifetime Maximum Benefit Unlimited Unlimited Annual Maximum Benefit Unlimited Unlimited Coinsurance Percentage 80.00% 50.00% Precertification Requirements Precertification Penalty Covered