Reviews

My agent told me I was covered for any time I missed work for injury or cancer. It's been 7 months since my injury. First claim in 9 years and the website crashes, no contact from the company, can sign in, then no menu options work, i was told that my agent quit, no money, no response. Total scam. I can't believe that they have an A+ rating with so many one star reviews. It says a lot about BBB.  

Hi ***, we are sorry to hear of the difficulties you have experienced with your claim and the self-service website. In an effort to better serve you, we have forwarded your comments along with a callback request to our ***************** Team. If I can be of any further assistance, please email me at ************************************* Thank you, *******.

I filed a claim and I was told it would take 3 weeks to receive and funds. I was only out of work on **** for 3 months and I was behind in all my bills and no one reached out to me at all. Terrible company and I want to receive the many that I paid into this insurance ******* NOT GO WITH THIS COMPANY.   

Hello ******, we are sorry to hear of the difficulties you have experienced with your claim. Please email me at **************************************** with your claim number and preferred contact number so that we can be of further assistance. Thank you, *******.

Terrible customer service. Speak with someone in a foreign country that doesn't understand English. Can't file a claim because there website Can't upload documents.

Dear Mr. ********* apologize for any difficulty you may have experienced when attempting to upload your claim on our ************ website.Please be advised that any attachments being submitted must be in an accepted format of .PNG, .JPG, or .PDF and 2 MB or ******** may submit a new claim to our office through online submission through our ************ website, by mail, or by fax. You may also submit information regarding an existing claim by mail, fax or through our ************ website.Claim forms and instructions can be downloaded and printed from our website at ****************************************************. They can be found under the Forms and Documents link in the File a Claim section.Please be advised that claim information can be mailed or faxed to the following address:Combined Insurance ATTN: Claim Department *********************** ********** Fax No.: ************ One of our Claims Adjustors will then review the information. If any additional information is needed the insured will be notified accordingly.Sincerely, *****

I put a claim in and didn't hear anything for 3 months until I got a letter saying they're closing my case after contacting me several times yet I never received anything. No calls, texts, letters, emails, NOTHING. The letter said I had 15 days to respond but I didn't get it until the 13th day. Funny how that works. They sure as s*** can spam call me when I didn't have an open claim. But when I try calling them I'm met with an answering machine that sends you in circles and long long long hold times. You guys are a prime example of a scummy insurance company.

Hi *****, we are sorry to hear of the difficulties you have experienced with your claim. In an effort to better serve you, we have forwarded your comments along with a callback request to our ***************** Team. If I can be of any further assistance, please email me at ************************************* Thank you, *******.

After a death in the family, we were owed money from Combined Insurance. They reached out and asked for our current address after sending a letter to the wrong address. After confirming our address in email and over the phone, our check was still sent to the wrong address. They reached out again to get our address and insured that they would overnight our check. They did not. Instead, they sent it to the wrong house again. We are still waiting on a supervisor call and a tracking number for our newly issued check.

Hello *******, we are sorry to hear of your loss and the difficulties you have experienced with your claim. Please email me at **************************************** with your claim number and preferred contact number so that we may be of further assistance. Thank you, *******.

I guess I should have read all these negative reviews before I purchased the policy and I would have saved over $1000 in paying into a policy that didn't want to pay out. Prior to committing, I asked the *** several times if she was positive that a hysterectomy would be covered because if not there is no reason for me to open a policy. She assured me that as long as it's not a result of cancer or AIDS that I would be covered. She said she knew *** who had hysterectomies, knee surgery and back surgery and that is not considered a preexisting condition. Yea well I guess they will say anything just to get you to open a policy. I had my surgery 10/1/24 and mailed off all their required papers that week. Two weeks later I call to inquire and was informed that they now want contact information for every doctor I have seen for the last 2 years. They could have asked for that from the start but no problem I sent that as well. 2 weeks later--we are still waiting for the medical records. 5 weeks later same song. I asked to speak to my claims adjuster and was told YOU CAN NOT SPEAK TO THEM BUT ILL SEND THEM A MESSAGE. I called 11/13/24 to get an update and was told I'd been DENIED citing preexisting condition. What do you consider a preexisting condition? Did I know I would need surgery? Yes eventually. That is why I asked the *** if that was covered. She told me as long as I wasn't getting a hysterectomy to remove cancer then I was covered. I do not have cancer. Since I was denied I immediately cancelled my policy so I wouldn't pay another $205 for nothing. I then asked if I would be able to appeal this decision? She told me YOU CANT APPEAL BECAUSE YOU JUST CANCELLED YOUR POLICY. So you want to get paid another month for nothing? NO THANK YOU I thought that because Combined was offered through *** that it would be credible. THEY ARE DEFINITELY SCAMMERS. RUN VERY FAST AND SAVE YOUR MONEY BECAUSE AFTER THEY DONT PAY OUT YOU WILL NEED THAT MONEY TO PAY YOUR BILLS.

Hi ********, we are sorry to hear of the difficulties you have experienced with your claim. In an effort to better serve you, we have forwarded your comments along with a callback request to our ***************** Team. If I can be of any further assistance, please email me at ************************************* Thank you, *******.

If I could give 0 stars I would!! Don't use this company!! They are a complete scam! Have a short term disability policy with them for 3000. Been out of work since 10/16/24. Had surgery had the doctors paperwork the job paperwork and paystubs!!! Why do you need paystubs??! Called them daily since 11/10/24. Still no payment always we are working hard on your claim. NEVER able to talk to my claims **** it was always the *** will get back to you. A call came in and I was told I would get 56 bucks from 10/26/2024 to now(remind you the police was for $3000 a month. I would say run from this company they are scamming federal employees and everyone else! Take your hard earned money to Anyone over Combined Insurance/ Chubb.  

Hello *****, we are sorry to hear of the difficulties you are experiencing. Please email me at **************************************** with your claim number and preferred contact number so that we may be of further assistance. Thank you, *******.

I'm not convinced this company isn't just a big scam. Thank god my job went back to offering AFLAC, because I'll be cancelling my Combined policy and going back to AFLAC, which never gave me a problem (maybe just required more paperwork).I've tried filing two claims. I got a bad staph infection (MRSA) from either work, or BJJ, and was hospitalized for 3 days. The *** advised they wouldn't cover it because it was considered an illness, not an injury. I gave them the benefit of the doubt. But then, I had a fall injury and was transported by ambulance to hospital. That was in July. The claim and paperwork was filed in August. I currently have 3 phone calls, and 6 emails, most of which are assuring me that the "claim has been escalated". I was told early on, that they had everything they needed, there's no reason it should be held up. That was 2 months ago. I get the same scripted message every time I try to follow up, with no actual updates. ***** would have paid me in 5 days. This company is a total scam. 

Dear Mr. ******* We are sorry to lose you as a customer. If you would like, I can ask a claims professional to call you to discuss your claim. Please send me an email at ************************************* with your phone number and claim number, if you have it, and someone will reach out. Thank you.

My daughter is special needs and had surgery on 3 parts of her legs. I filed a claim on 9/05/24. I received a check for 1 of her 3 surgical same day procedures. I followed up on 10/04/24 + 10/10/24 to request the additional 2 surgery payouts totaling $1,000. They apologized and related the case would be reviewed for payment. I followed up on 11/01/24, they said yes of course they will ask the adjuster **** ****** to review the claim bc they may need something additional than the post op notes, EOB, and doctor forms they already have. I asked to leave a message to the adjuster, they stated no, his mailbox isn't set up. I asked for his office number, they stated no bc it's only an internal # for employees. I asked for his email, and they said no they can't share that... Meanwhile my bills are being sent to collections while they fumble my daughter's claim# ********, and they continue to automatically collect my payments. They have not sent anything via **** bc I have the *** that saves all scanned mail. They have not emailed or called after multiple attempts. Which department regulates insurance companies intentionally delaying payments? Friends stick with AFLAC

Dear Ms. *********** I am sorry for the delay in processing your claim. I have sent a request to the **************** team asking that this be expedited, and I hope that this will be resolved for you in a short period of time. If you need further assistance, please contact me at *************************************

It's so frustrating cause their website takes forever to load and when you trying to get in contact with them they don't do nothing and keep you on hold forever. I want to cancel.

Hello Mr. ****** We are sorry to lose you as a customer. If you would like, please send me an email at ************************************* with your phone number, policy/claim number, a brief description on what you are attempting to do online and I can assist you. Thank you.