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Combined Insurance Review & Complaints: Health & Life Insurance

Combined Insurance Company of America offers a solid list of individual health and life insurance products alongside Combined Insurance employee benefits. Combined Insurance quotes are not available online, but our Combined Insurance review finds that the company does allow online insurance claims.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Sep 15, 2020

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Combined Insurance is a supplemental health insurance and disability insurance provider based out of Chicago. They offer both individual products and voluntary employee benefits options and are a part of Chubb, a major multinational insurance company.

About Combined Insurance

Combined Registry Company was founded in 1922 in Chicago and made it through the Great Depression with a lot of belt-tightenings. The founder formed Combined Mutual Casualty Company in 1939 through the acquisition of Texas-based American Casualty Company. In 1947 the name was changed to Combined Insurance Company of America.

The 1950s saw the company begin global expansion, first into Canada and then beyond. 1980 saw the formation of a holding company, Combined International Corporation, which in 1982 merged with Ryan Insurance Group and formed Aon. In 2008 Aon sold Combined Insurance Company to ACE Limited, which in turn acquired Chubb and adopted that name – a somewhat convoluted path to Combined’s status today as a part of Chubb.

Combined Insurance writes supplemental policies including accident, income protection, and critical illness policies on a global level. In the U.S. they sell policies both directly to individuals and to companies as employee benefits options. Products are sold through independent agents, and the company headquarters is still located in Chicago.

The company website states that they have more than 3 million policies in force in the United States alone.

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Combined Products

Combined’s insurance products are divided into two categories: individual and employer.

Individual Products

For individuals, Combined offers a solid list of supplemental health products as well as income replacement products. They also have a life insurance option.

Accident and Sickness

There are two accident and sickness insurance policies available. The first is an accident-only plan, and the second combines accident and sickness coverage in one. Both of these plans will pay benefits directly to the insured and can be used to pay any out of pocket costs associated with an accident or illness. This includes hospital bills but also costs like child care, transportation, and other expenses.

Specified Illness Products

Combined has three specified illness policies, each of which will pay out benefits for the specific illness listed on the policy.

There are two Cancer policies. Cancer Protector is a lump sum policy that will pay out the benefit amount upon diagnosis with one of the types of cancers listed on the policy. The cash benefit can be used by the policyholder in any way they should choose.

Cancer Care Protector is designed to cover the cost of long-term treatment of cancer as well as with recovery from cancer. This operates slightly differently from the one-time lump sum benefit policy.

Critical Care Protector provides benefits for any of a list of covered conditions or illnesses. These include heart attack, stroke, kidney failure, blindness, severe burns, paralysis, and many cancers. This policy is also a lump sum benefit that can be used for any expense.

Life Insurance

There is one life insurance plan offered by Combined. Family Life Protector is a basic whole life insurance policy that offers death benefit amounts of up to $50,000. An accidental death benefit rider can increase this coverage up to $100,000.

Income Replacement

Combined offers two income replacement policies that operate much like short-term disability.

Income Protector is similar to most other short-term disability plans but is independent of an employer. It will pay monthly benefits to replace income for up to two years in the event of a total disability.

SickPay Plus is a more short-term plan that is designed for illness or injury rather than total disability. It provides income replacement for up to six months as long as the insured is under a doctor’s care for an illness or injury that prevents them from being able to work.

Employer Products

The Combined Worksite Solutions side is aimed at businesses seeking voluntary employee benefits packages. The site does not list which products are available; they are likely very similar to those offered to individuals, but they are written as group policies. This generally makes them more affordable, which is what makes them a benefit to employees.

All of the policies are portable, which means the employee will have the option to continue the policy even if they change jobs.


Online quoting is not offered by Combined Insurance. Instead, a contact form to request a reply from an agent is provided. The site states clearly that the company believes talking with an agent is the best way to determine what coverage you need and get accurate quotes.

Filling out the quote request form will result in an agent contacting you, which may mean some unwanted follow-up solicitation efforts even if you go with a different company. While this is common to this type of company as well as to this type of insurance, some potential customers may find it bothersome. Online quoting as an option would be a nice addition for those that prefer not to put personal contact information out there while shopping for insurance. As a large insurer, it is something we would like to see Combined Insurance offer.


Claims can be filed online through the Combined website, which the company states can mean benefits are paid up to ten days sooner.

Claims forms can also be downloaded and returned to the company either through the regular mail or via fax. There are also toll-free numbers provided to reach a representative; New York has its own number since Combined operates a separate branch in that state. These lines are only available during business hours.

Claim status information is also available online, and there is a customer login area where policyholders can view benefits and claims. While the site does not have a lot of claims detail, they do have a good FAQ section and offer all of the basic information needed to get a claim started and ensure it is successfully processing.

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Ratings and Consumer Reviews

Combined Insurance has an A+ rating with the Better Business Bureau (BBB), and there are 67 complaints on file in the past three years. They have been accredited since 1954. The reviews are mainly negative and mainly center on claims, with a few positive as well. For the size of the company, the number of complaints is not high.

Pissed Consumer has a higher number of reviews with a total of 313. The company is rated 1.7-stars overall here. The complaints cite difficulty reaching a customer service representative and claims taking a long time to be paid, or not being paid at all. Although the number of reviews here is higher, it is still not a red flag number for a company of this size.

The Bottom Line

Combined has a long history and strong financial stability thanks to its status as part of Chubb. They offer a range of supplemental products, but since we do not have rates we are unable to comment on the value they offer. If you do not mind being contacted by an agent, they are worth pursuing for comparison quotes when shopping for disability or other supplemental coverage.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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Combined Insurance
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.


  1. Having the same issue with my critical care claim.

    Every time I call them there is some other paper they need for me to sign.

    Instead of telling me what I need.

    They mail out a form to me instead of calling and saying they need these forms.

    I’m getting the run around..please contact me

  2. I will be canceling my combined account.

    I was put on short term disability in December due to a medical issue. ought the claim in April of 2019.

    Is faxed and mailed paperwork from the doctor to start the ball rolling and then had him fill out more paperwork for the claim.

    those people were confused they didn’t even have the nerve to call me and ask I called to see how the claim was progressing.

    I just faxed over a letter sent by my employer that they had eliminated my position now those idiots still are jerking me around.

    I had to jump through hoop after hoop to get the money that is owed me not doing it anymore

  3. So sorry to reply late, but this just popped up in my email.

    This is the process I did in order to get my Cancer claim payment from Combined Insurance Company of America in Illinois.

    I filed a Consumer Complaint online with the Office of the Attorney General State of Illinois (Combined Claims dept is licensed in that state).

    They notified Combined of my complaint & I got a phone call almost immediately from a Combined Claims Rep.

    Within 2 weeks I received a partial payment check on my claim (depends on what type of Cancer coverage you have).

    If you have a legitimate claim, believe me, the last thing Combined Insurance wants is an investigation into how they process or deny claims.

    I hope this helps & I wish you well.

  4. So sorry to hear you’re having the same problems I’m having with Combined.

    After battling & having surgery for Kidney Cancer in July 2019, I filed a claim in August 2019 &amp.

    I uploaded my pathology report, still no reply or payment.

    I will be filing a complaint with Chicago State Attorneys Office for the fraudulent practices of Combined not making payments of valid covered claims.

    • I totally agree with you.

      I filed a claim from September and still under review.

      Every time I’ve had to file a claim there’s been issues.

      Combined is an awful company to deal with. We sure do make our premiums on time, don’t we!

      I will join you in making that complaint to the Chicago Atty General office.

    • hi, Neva, i am currently going through treatment for ovarian cancer and I’m having the same issues with filing a claim.

      They seem to for some reason not getting my files from doctors who are sending them directly to the fax provided.

      I want to join you in this fight because it seems that they are just out to collect premiums and not follow through with claims.

      If you can contact me at I would love to chat with you and see what we can to as a team to get help.

      Thank you love and be blessed.

  5. I have with Combined for many years and never had an issue.

    Fast forward to March of this month I get injured at work file a claim submitted my paperwork via fax and by mail all my documentation filled out correctly or so I thought.

    Come to find out when I went to see the Dr about my injuries I only saw a physician assistant, very rarely do I see a doctor.

    I guess companies are trying to save money which I understand, but because a PA signed my disability paperwork I was told by combined it can be approved by a doctor.

    I haven’t found that in writing anywhere, nor could Combined.

    Also, they don’t tell there customers holidays are not part of business days, they hang on to paperwork until the very last day.

    I live in California and it literally takes 10 business days to arrive.

    I have asked supervisors on many occasions not once has anyone called me.

    I’m being told my policies will not cover me beyond 6 mos, I have not received a full check but one time this company is pathetic.

    I cannot wait to cancel my policies


    I applied for a Marketing Manager (a supervising manager position) position with a company called the John Capra Agency in Dallas through ZipRecruiter.

    I received an online request to come to their office for an interview. I had a couple of questions first.

    I wanted to make sure it wasn’t a preliminary interview (as I live 3 hours away) and wanted some info on the Agency (there was 0 info about it on Google).

    I called the person (Ken Keith) that was listed in the interview email.

    After asking my questions (which he didn’t answer), he asked me what I had applied for, about my experience, and salary expectations.

    He said I sounded like a good fit and the salary expectations were in line with the pay.

    He added that the job ad should have said Combined Insurance (which it didn’t).

    He said I should speak to John Capra himself as he would have the answers and gave me his number.

    I called and left messages with him twice and never received a reply.

    I went ahead and scheduled the interview (shot in the dark), and drove up to their office.

    It was a nice office, but no receptionist.

    A man asked me to sit in a conference room with others (I just assumed they were in line for an interview).

    I sat next to one guy who had his resume out.

    I asked him if they were begind and he said he didn’t know.

    A few minutes later a man comes in and starts placing pamphlets in front of us.

    I get a pamphlet that says “sales careers”.

    I lean over to the guy next to me and ask what position he applied for. He said “Sales Executive”.

    I pull the man (John Hunt I believe) with the pamphlets aside and tell him that there must be a mistake as I didn’t apply for a sales position.

    He asks me what position I applied for and I tell him Marketing Manager.

    He corrects me and says its a “Market Manager” position.

    I refute him and show him the job ad. It shows it clearly as a supervising manager position titled Marketing Manager.

    I tell him I’ve been the Director of Marketing for a group of companies for over 6 years and I was never looking for a sale position.

    I explain how far I drove and how much time and money they wasted me.

    I ask him how he’s going to make it right. He says he’s sorry and that it was the recruiting agency’s fault.

    I tell him this is absolutely not true as the 2 people responsible (Ken Keith and John Capra) are officed right next door to his.

    I asked to speak to his supervisor and he said he was it.

    These kinds of companies disguise sales position job ads with meaningless, non-applicable titles that sound super important, yet are only meant to lure applicants in.

    They never even looked at my resume or location.

    The serious lack of unprofessionalism and this kind of false advertising by this company is completely unacceptable.

    • Hi Henry.

      Just to be transparent, I’m not responding to you as a representative of Combined Insurance.

      I have read and clearly understood your complaint about Combined Insurance.

      First of all your information has no credit and will get no merit.

      I have worked for this company for many years and there are no such positions in the company based on what you mentioned.

      Secondly, Combined does not do false advertising. The company is too great for that.

      Combined Insurance believes in training their staff on a highly professional level and that’s what they do best.

      It would seem as if the position was more important to you than learning about the company and helping to change people’s lives, hence your claims.

      My personal opinion is that you wouldn’t do well working at Combined because your attitude is wrong.

      Combined is staffed with great people with big personalities who are successful and have the right attitude.

      There are no limits to what is attainable working for this company.

      If you had only sat down and got out of yourself for a half-hour, your probability of becoming a market director would have been great because that was your opportunity.

      Instead, you decided to focus on the “Position ” you wanted and thought you were better than the starting point.

      Small minds seek positions of importance to make themselves and GREAT MINDS seek positions of importance to make a difference.

      The longest-serving member has been with the company for 62 years. That speaks volume.

      I said that to say all the venom you are spitting has no effect on the great talents that continue to join the company and are helping to build it extensively.

      I’m happy you didn’t get the opportunity because you would not be a good representative of the company’s roots, culture, and purpose.

      You have to be a true representative of its mission.

      However, I pray that you will do some introspection, seek to cultivate a new mindset and attitude with an intent to improve on your ability to focus positively and unselfishly and also to improve on your grammar.

      All the best in your endeavors.

      • Hi Julie,

        You ARE SPEAKING as if it’s on their behalf.

        Combine can address their own issues/concern.

  7. I’ll keep it short.

    My wife and I had what they call an “accident protector” policy for about 5 years.

    In that time we made no claims.

    My wife and went for a walk, and her knee just “popped”.

    After a doctor visit, it turns out she needed a minor surgical procedure.

    Filed the claim with Combined, and, voila – the first claim denied!

    Called and canceled the policy immediately.

    Combined Insurance Company is a scam. I’d advise anybody to stay clear of them.

    • Combined has very poor customer service.

      I was able to cancel my 5 policies for the hospital within 10 days.

      Nobody from combined treats you well when you mention the word ‘cancel’.

      I’m so sorry for your issues.

  8. This is a horrible company. I trusted one of their district managers with my account information who said it was to determine my financial viability.

    Instead, it was used to withdraw money from my account even before I had decided whether or not I wanted the life insurance policy he offered me.

    Shame on me for being so gullible. I only trusted him because I had a term policy from years back, with Combined, that was shortly coming to the end of the term.

    I did not suspect such an underhanded move.

    This kind of unprincipled duplicity is allowed to exist in this company.

    I eventually got my money back, but only after I had contacted the Better Business Bureau and the NJ Dept. of Banking and Insurance.

    The Better Business Bureau was helpful but the NJ Dept. of Banking and Insurance conducted an investigation that, to all intents and purposes, merely consisted of questioning the manager and the two interns he had with him.

    I actually have an email from one of them apologizing for my experience and stating that she’s reported things that she’s seen and methods of this district manager that she was uncomfortable with, to say the least.

    Of course, there was no action taken.

    It was his word against mine and the other two were merely protecting his job.

    I was so angry that I even canceled the original policy before it even expired.

    I wouldn’t give this outfit another penny and anyone who decides that they’re worth looking into should beware.

    Look at the reviews. It is apparent that integrity is not part of their company policy.

  9. I had surgery on June 6, 2019. I called combin to informed them of what happened. I was advised what I needed to do.

    So on June 26,2019, I tried over 10 times to fax my paper worker, and it never went through so I had to scan it to them on that date.

    Now here we are July 8,2019 and I had to call several times to find out if my papers were received.

    I’ve left messages for my adjuster and still no calls back.

    I had left combine before due to similar reasons before and came back.

    I’m at the point where I know I would be treated better with Alflac insurance I’ve heard many good things about them.

    I’m aware every company has issues, but like the one, I’m dealing with.

    Since I’ve been out of work Combine still gets there money.

    Now, whenever they give me mine it’s going to be broken up into checks, oh and let’s not forget my doctor is filling the other form and I’ve yet to get anything.

    • I experienced the same issue with Combined.

      My surgery was on June 2019.

      It took 3 months to process this claim and that was only because another adjuster was gracious enough to look at my case.

      My adjuster was horrible.

      I spoke with my credit union and the representative there states that we are supposed to be placed in a non pay status for the months that we are out of work which means they should not be taking money from your account.

      It’s unfortunate that this company makes it a policy to get over on their stakeholders.

      I intend on making my dissatisfaction known.

      All the best!

  10. I filed a claim in the mid march of 2019 and its now one week before June.

    I have contacted combined several times since the claim was submitted to them.

    I received a letter stating they had received all of my documentation and my claim was being reviewed but when I called on the 16th of May the rep.

    Told me they hadn’t started the reviewing process and she was sending it to be reviewed while I was actually still on the phone.

    What happened to the rapid 5 day pay out stated on the website and by my agent.

    I smell BS in the air and feel like the next letter i receive will be your claim has been denied…

    • We are going through a horrible time trying to get Combined to honor their policy for a cancer claim.

      They have been horrible with Giving every excuse in the book.

      Our next step will be with a lawyer to see what can be done.

      I and my husband have had this policy for years and paid into it faithfully.

      • So sorry to hear your having the same problems I’m having with Combine.

        After battling & having surgery for Kidney Cancer in July 2019, I filed a claim in August accompanied by my pathology report, still no reply or payment.

        I will be filing a complaint with Chicago State Attorneys Office for the fraudulent practices of Combined not making payments of valid covered claims.

  11. Filed a claim in March 2019. First time I called to check I was told that my surgeon had not sent his part of the paperwork.

    So I obtained that and mailed it “attn claims” 4 weeks go by and no word.

    I call again now they can’t seem to find any paperwork for this claim.

    Catherine, who is supposedly handling this claim was “unavailable” when I called.

    Now I have to spend my time and money to fix someone’s mistake.

    I hope when this is read at combined that someone is held accountable for this.

    Very sloppy claim handling!! I deserve to be compensated for the time I’m putting into fixing this!!

    And it should come out of someone’s pay. That would be a great incentive not to mess up again!

    This is done routinely where I work and trust me, it works!!!

  12. Since February 27 I file a claim with combine this is the second time they do this to me

    I called customer service every person that I talk to the supervisors do not know what they are doing.

    this company is terrible I asked today to speak to the supervisor she put me on hold and won’t even give me the survey or anything I had to get it myself .

    I hope they do better work than this And do my paperwork there’s no reason that somebody has to wait so long to get a claim.

  13. This place is unbelievable! I have had a policy with them ( two until a few months ago)for several years before I needed to utilize it, but when it was time to pay, they found every excuse possible.

    Then they had a habit of losing your paperwork and telling you they never received it! After speaking to a different representative every time I called, a nice one named Latoya looked thoroughly through my files and said she saw a lot of duplicates!

    Those were the papers that they claimed I never sent, one lady insisted that she didn’t receive something and after I found the confirmation she mysteriously found it!

    Each person that answers the phone will tell you something different!

    I am soooo disappointed that I have put so much money in this company ($208 for about 2 &1/2 years). I have a pending claim and if they don’t pay, I’m out!!!!

  14. If an employer no longer stays with Combined Life and an employee has a policy for whole life insurance, would the employee receive the money for canceling policy?

  15. Very disappointed that this company collects so much money and issues bounce checks! Got a check in October and the bank did not honor it! Management and the entire staff can’t help do the NYC office of complaints will look into it! Nobody is helpful in that office they all been telling me the same thing since November! That the check was cashed! I wonder if it is robots that work in the accounts and claims department that no one can cross check the company’s Bank account to see if the check was cleared.

  16. I have a heart condition. Does this affect my insurance at all?

    • For New York State, if you have heart disease or any other heart issue then you qualify for their cancer-only coverage (as long as you have been cancer-free and haven’t had any treatment or advice for cancer in the past 10 years) and for their Accident-only insurance and if you are aged 55-70 for their Golden Advantage Life Insurance.

      You don’t qualify for any other sickness coverage policy.

  17. This is the worst company I have dealt with. When I first submitted my claim on Nov 7th, 2018 I was told to allow 7 to 10 business days for processing. I contacted them multiple times during that 7 to 10 business days and they could only tell me that my case was still in review. Finally, on Nov 19th I spoke with a representative and he told me my claim would be ready by Nov 21st, 2018, which would have been 10 days since I submitted the claim. When I called on the 21st I was told it wasn’t ready and I should call back on Monday, Nov 26th after the holiday and it would be ready by then. I called them back on the 27th and I was told my claim is still being processed. Today is currently Nov 29th, 2018 and I have called multiple times every day since the 27th and I am told everytime to check back later. For medical reasons, I have been unable to work since Oct 1st, 2018 and I have had no way of making money to support my family. This company clearly does not care about its customers and what they have going on in their lives. I wouldn’t recommend this company to anyone. If you are considering signing up with this company stay away. You will lose everything you have worked hard for in your life by putting your trust into this company. I have had my policies for almost two years, never made a late payment but when it comes time for this company to send you the money you are owed they will wait until the very last minute. I just have my fingers crossed that I will hear something before my landlord attempts to file for an eviction.

    • I’m sorry to hear you had a bad experience with Combined Insurance but you have been giving the wrong information. I’m a senior agent for Combined and it’s 15 business days the claims department has to review the case. This is where your agent should be helping you through your claim. If you need any help or have any questions feel free to contact me if you’re not happy. I will be happy to help.

      • Should switch to AFLAC, their one day pay is amazing.

      • Sorry to say this but you are completely incorrect.

        Our claim has been under review since May 21 and the Incident took place April 12th, 2019.

        We have spoken with combine several different times and they have given us every excuse you could possibly come up with including simply that “ they do not understand themselves why it has not been settled”.

        Claiming that they are calling and speaking with the managers and making them aware of the situation.

        This story has been told to us by three representatives now.

      • I have been dealing with a claim that happened on Dec. 2, 2019; it was originally filed on Dec. 12th, 2019.

        My rep has just passed me off to the 800 number and going online.

        I am getting no answers as to when it will be complete or if I will even get approved.

        I am now a month and 1/2 without income.

        Are you able to look into this matter?

    • If you are filing a disability claim it is extremely important to have the doctor or his/her assistant fill out the claim form and to provide all records pertaining to your injury/illness.

      Sometimes Doctors require a permission form to release records to you and/or to the insurance company. It is a pain in the neck and never will an agent warn you about the hassle of filing disability claims.

      Usually all other claims sail through smoothly but occasionally things are delayed because some of their databases are on obsolete computer systems which means they have trouble finding accurate information. Keep records of everything and use the online claims process.

      Whenever you sit down with an agent make sure you get the name of number of their manager and the local market director as well because agent turnover is really high (95%) so the agent who sells you a policy probably won’t be there 3 months from now when you need help filing a claim.

  18. I got Combined over a year ago, then I had my second baby on 12/29/2017. I sent the claim in January 2018, after 6 months these people denied, my claim saying that I was pregnant at the time of the application. Obviously, I was, that’s why I bought the insurance, and I didn’t lie. I told the agent I was pregnant, she called her supervisor and he said it was ok.

    End of the story claim denied, working with a lawyer to sue these people. Be aware of this scam.

    • One of the more difficult things in life in keeping up with all the paperwork especially if we have little kids. Unfortunately it was your responsibility to read your policy documents and the brochure/flyer the agent gave you.

      Agents won’t admit it but they are under tremendous pressure to sell and will do and say almost anything to get that sale including lying. It’s perfectly OK to tell an agent that you want them to come back tomorrow with their manager to review everything again before you sign.

      In this case however, your policy should have been rescinded and all premiums returned to you.

      If that didn’t happen then call Combined to find out why not because if you were pregnant (easily proved with medical records) then you didn’t qualify for the policy and shouldn’t have been sold one.

      When that happens and it is discovered then the company “rescinds” the policy and refunds all of your premiums. By now the writing agent has probably left the company.

      • I have received an adverse complaint from the friend of my IUL prospect that is discouraging her friend to buy because Combined did not honor her claim.

        Can you reply through my email address ASAP so we can interact to find out what happened and clear the reputation of Combined?


  19. When my children we little my mother purchased life insurance for them. At the time I was told by her that when they turned 25 they would need to pay to keep their policies active. My mother passed away in 2006. So in Dec/Nov of 2017 knowing that my son was about to turn 25 in Feb, I contacted combine life only to be told his policy had been closed because we had not responded to the letters that were sent in July to the assisted living housing that my mother had lived at when she passed away. I feel as though we were ripped off this policy was in effect for at least 15 years and now we have nothing!

    • Sorry, you feel you got ripped off but you have to remember that insurance companies are not mind readers. When payments are not made, letters are sent out and if not responded to we have no way of knowing the situation, therefore, will be canceled.

    • Life is extremely complicated and people suffer. Which means we need to plan which is also difficult because we typically over-commit and then become overwhelmed when things fall through the cracks which consumes time that should be spent on planning.

      In this case, when your mother fell ill at some point it became obvious she was nearing the end of her life.

      This was the signal to help her get her affairs in order, and to find out about all the financial details including insurance policies.

      It’s too late now but certainly a word to the wise for others. If you are having trouble try to listen to Dave Ramsey podcasts on the iHeart phone app. It is free and great financial and life advice.


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