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Have Questions About the Claim Process?

View a list of the most common questions and get the answers you need!

The Accident and Health Claim Process

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1. File a claim

For accident download this form and for Health claims here.

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2. Initial documentation is evaluated

Your adjuster will review the initial documentation received.

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3. Adjuster will contact you

Your adjuster will send a letter to let you know what, if any, additional documentation is required to settle your claim.

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4. Claim is processed (paid or denied or combination therein)

Once all necessary documentation is received by Home Office, a determination can be rendered. Claim proceeds will be issued to you, the primary insured, the beneficiary(-ies) of record, or the Estate of the Insured according to the terms of the policy. In certain instances, proceeds will be issued to a health care provider, as directed by you.

Health Claim Process

Health Claim - FAQs

    Need help with your existing claim?

    If you have already filed a claim, you may contact our Call Center during local business hours:

    Monday - Friday 
    7:00 AM to 6:00 PM CST
    800-777-1195

    Please have your claim and/or policy number(s) ready. This can be found at the top of your request letter.

      How do I file a claim?

      You may contact your Agent to obtain claims forms, if necessary, or to collect claim documentation for submission to Home Office.

      Your Agent may assist you in filing a claim via the KL Forms website/portal.

      You may submit your claim documentation directly to Home Office via one of the below submission methods:
      Mail: 1350 Timberlake Manor Parkway, Suite 200
      Chesterfield MO  63017 or
      Facsimile: 314-819-4391, or
      Email: lifm28@kemper.com

        How do I check the status of my claim?

        Contact our Claims Call Center during local business hours at 1-800-777-8467 to seek a status on your claim.

          What is the telephone number for the Claims Call Center at Home Office?

          1-800-777-8467

            What is the mailing address for Kemper Life’s Home Office?

            1350 Timberlake Manor Parkway, Suite 200
            Chesterfield MO 63017

              How long will it take for my claim to be processed (paid or rejected or some combination therein)?

              Each claim is different and can include multiple factors which make providing a date for final determination difficult.

                How do I obtain a duplicate or specimen copy of my policy?
                • Contact our Claims Call Center during local business hours at 1-800-777-8467 to request a duplicate or specimen copy of the policy.
                • Contact your Agent
                • Write to Policy Services at Home Office seeking a duplicate or specimen copy of your policy.
                  Is there a fee for a duplicate copy of the policy?

                  No. There is no fee.

                    Is there a fee for a specimen copy of the policy?

                    No. There is no fee.

                      Is a claim form required to file a claim under a First Occurrence Cancer policy?

                      No, no claim form is required.

                        What type of documentation is required to process a claim under a First Occurrence Cancer policy?

                        The Insured, Beneficiary, and/or Next of Kin should submit the pathology report which details the first diagnosis of cancer.

                          Is a claim form required to file a claim under a Cancer and Specified/Special Disease policy?

                          No, no claim form is required.

                            What type of documentation is required to process a claim under a Cancer and Specified/Special Disease policy?

                            The Insured, Beneficiary, and/or Next of Kin should submit the pathology report which details the first diagnosis of cancer along with the complete itemized bill bearing the diagnosis, a UB-04 and/or HCFA-1500 billing statement, and the corresponding Explanation of Benefits (EOB) from the primary health insurance carrier for each date of service you wish to receive consideration.

                              What is a UB-04 billing statement?

                              A UB-04 is a standardized billing statement/form.

                              A UB-04 form can be sought from any hospital, ambulatory surgery center, nursing facility, and other medical institution that has rendered services to you.

                                What is a HCFA-1500 billing statement?

                                A HCFA-1500 is a standardized billing statement/form.

                                A HCFA-1500 can be sought from any physician’s office or practice (primary care physician, oncologist, surgeon, anesthesiologist, etc.) that has rendered services to you.

                                  What is an Explanation of Benefits?

                                  An Explanation of Benefits is a statement sent to you by your health insurance carrier(s) explaining what medical treatments and/or services were paid on your behalf.

                                  Need to report a claim?

                                  Download the form for Accident claims here and Health claims here.