Combined Insurance
reviews and complaints

I have been a Combined Insurance customer for many years with a wide variety of policies, as have other members of my family.

I became disabled from a Worker's Comp injury several years ago. I was diagnosed with multiple injuries, but was told by Combined Insurance my policy only covered one injury at a time.

A year into my policy, Combined started bawking at paying, despite receipt of all the required paperwork. I filed a complaint with the NYS Insurance Dept, citing bad faith insurance policies, as there was no reason for Combined Insurance to deny payment.

They subsequently paid on the claim, much later, and without the benefit of interest, but in the meantime I contacted an attorney. Come to find out I was eligible for benefits under each of my separately stated injuries. I have been attempting to get my money out of Combined for six months now. They deliberately misled me, and now to sue costs a lot of money I don't have (not to mention energy due to illness).

Combined used to be a solid company, but clearly belongs now in the category of micro insurance currently being invested by the government for failure to pay on mini-policies due to lack of funds. Beware.

Run Forrest Run!

DO NOT use this company. They are a bunch of incompetient people.

They will double bill you and then when you catch them at it even though they can see it on their payment history they will make you prove to them they did it.

They will lose your personal information and then call your relatives and discuss the problems with them.

They obviously don't communicate with each other because we told them we don't want their insurance, even closed out one of the bank accounts they were pulling money from and they continue to harrass us by phone and mail and are now harrassing the bank that we closed the account with. Still trying to get their money from a bank we told them we closed. UNBELIEVABLE!

This company is a total JOKE. Spend your money elsewhere!

So where do I start, well if ur considering a career in insurance DO NOT WORK FOR COMBINED. U will be overworked and underpaid. They are the lowest paying insurance company in Canada. The managers job is to sell u a dream and an opportunity. During the interview they act like they've interviewed on overwelming amount of applicants however thats far from true. Each provience has one executive. The executives are extremly dilussional and ONLY care for themselves. The dream is to one day become an executive but by the time u figure out that a Combined executives salary is ONLY $50000 a year, they recieve a company car but taxed HEAVILY on it, it's too late by then and u've wasted a bunch of time. The executives will ALWAYS push u to do greasy things, diffrent ways to decieve clients, lie to agents, anything for the executives to bonus. As a matter of fact the Executive in Saskatchewan is ACTIVELY commiting FRAUD and the higher ups know about it and they refuse to do anything. Actually the individuale who discovered the fraud was TERMINATED FOR REPORTING IT. And when it comes to nepatisam...this company is ahead of others. The Executive on the West coast is ONLY in that position because of the balls sac he was shot out of. His daddy is the reason y he is where he is, what a sad pathetic exsistance. The Executive in MB., at his own admitance is a closet homo (I'm sorry people had to find out this way).
Combined will try to sell u on the residuale income, now if u play ur cards right u can build a large residuale income, however they fail to tell u that the company owns the residuales and not the individuale. They also hold back the residuale payout in December...how sad, I'm sure this selfish act has reuined many Christmas'. Now if u callculate ur residuales on the monthly report the company sends and what u actually recieve in ur account u will notice a HUGE disscrepincy and if left unreported that adds up to thousands of lost income. Also ur residuales dissapear after five years. Combined will make u go after another mans dream, thats what the company was founded on. I have left this filthy, unethical orginization. As a result I gave up my residuale income which was over $50, 000/yr and in my oppinion it is DEFFINATLY worth it. Approximatly 9 people have left the organization as a result of my resignation. The company has tryed desperatly to disscredit us with slandeouse letters sent to clients about those who have left and encourage their agents and managers to activly tell people thing about us that are not true. PLEASE DO NOT b dilissional and fall victim to their empty promises u will b sorry. NOBODY in Combined has become a millionare as some of them claim, u may even fell sorry for ur manager if u were to c how they actually live. DO NOT B LIED TO!

This is a good company these complaints are probably because they did not give the correct or relevant information they required. my wife had a knee rupture from slipping and twisting her knee and it bled. we were out of town and had to go to the hospital to have it drained. had to return home and on the way had to stop at the emergency room to have them check it again to see if it was still bleeding (as it was friday night) and our doctor would ot be available. After many visits and orthopedic doctor evaluations she sent in the paperwork and hospital/doctor info. it took less than 2 weeks and she recieved 2100.00. now what is so wrong with this company?

The company collects premiums from supplemental insurance programs such as a "Hero Plan" but makes the claims process so inconvenient it’s not worth completing the process. Every attempt to resolve a claim is meeting with some request of obscure documentation that is of course time consuming to obtain. The claims representatives are about as pleasant and helpful as a DMV employee at 5 pm on a Friday. Then when you finally cancel the policy Combined Insurance continues to bill you then make you go through the process of obtaining a refund. Unless you enjoy filing paperwork in quadruplicate I suggest avoiding the worthless organization all together.

Me, my father and my grandmother have been customers for over 30+ years... he passed away and i tried to file a claim for his hospitalization insurance and they wanted to give the money (what little they were going to pay) to his ex wife, not to me or the hospital to help pay the bill... who ridiculous is that... i am now dropping my policies...what a shame we have wasted money for so lomg. i feel bad for the others who are being ripped off... after reading all these reviews I am blown away...seems like such a scam

Upon Lois trying to get in contact with my boss to sell him insurance she called several times and each time I tried to help her only to be greeted with RUDENESS and complete UNPROFESSIONALISM. Then after several days of her not being able to get in contact with my boss she comes into the office. She asks for my boss and when I told her he wasn't here you would have thought I killed the president. She was completely unprofessional and demanding throwing a fit right in front of my customers - this is not a good sales tactic! I have advised my boss to not buy from her because of her continuous rude interactions. God forbid we did buy from her and then actually need something, I'm sure we'd be met with the same unprofessionalism.

I was contacted by Combined and much to my mistake decided to work for them. There is this 2 week of training that focus on what W. Clement Stone wrote. I read two of his books and much to my surprise; I find much of his work is based on psychological studies that he distorts to justify his point of view. Even in the training there is a ###zation of a quote from Socrates. My office my first week I was on my own, my supervisor said nothing to me and I was given a listing of policy holders, active and lapsed, as well list of leads, and was told nothing. My second week I attend a meeting by the Manager in which he continued to call everyone "Stupid". I also had a private meeting with the Manager in which I got more listings...many with DNC (D0 Not Call) meaning under the law we can not contact them. The Manager told me to call them regardless and watched over me. After over 6 hours he then reviewed my performance with me and use words "slow" "whimp" "stupid" for me and the clients, those with claims as "taking the Combined" . Then I spent a day driving around town with my supervisor who did not say much. At the end of the day after the only person we actually meet he called me "Cold Blooded" "slow" and "heartless" just to name a few. I was thinking of pulling to the curb and telling him to get out of my car. Instead I drove him to his car and decided working for Combined was not for me. I never went back nor called them. I was told I was to receive a weekly advance and gas mileage, but only got it for the lst of 4 weeks I worked at Combined. After this experience, and two previous negative experiences working for insurance companies I turned in the license.

Filed a claim with Combined Insurance for my hip replacement surgery. I was diagnosed at the age of 4 with Juvenile Rheumatoid Arthritis. I had my first joint replaced in 2006. They paid for my surgery time as well as the time i was disabled for. I then had both my knees replaced in 2007 and they again paid the claim like they were suppose to. I am now 23 and have had my other hip replaced. They are now refusing to pay my claim. They have lied to me on every occasion, have told me that they have sent letters to my doctors for more information then i find out they never sent anything, etc... All i want is my claim to be handled fairly and correctly. They are not telling me that since I will never recover from Arthritis that they cant pay my claim. If i remember correctly, my claim was for my hip replacement surgery not for having arthritis!? I can and will recover from my hip being replaced and should be paid for the time i am disabled. I have paid into this policy since i was 4 years old and this is the treament i get? I really want to and need to file a lawsuit against them as well as a complaint with the DOI.

I have 3 policies & total refuse to pay bi cause they say hi need more info about the claim, i also provide the Dr cell phone, bills from hospitals, & info of the clinic but the company never pay.a penny hospital, accident, & Anny loss this company is just stiling money from working people never buy any from this company is just Bunche of rats.

the worst is i been paying more than 8 year i never use.

ulises hdez policies P8124998, P6727559 and P5317991

is just a waste of money I waste 8 years payin allmost $90 each month

please never buy any ting from this crap company .

i had suplimental insurance..the service and lies are so bad i cancelled them last week ..first they said i needed to fill out a medical release form for them to retrive my medical history ..i did that and sent it back..now they say they mailed my dr a form to fill out of wich they have not...she filled aout a claim form and signed it when i went for the check up gave ot to me and i mailed it to combined . i have been trying to contact the agent that sold me this insurance. i called chicago and they said they could not give me that information? now they tell me that they need to know from the dr that this was not a pre existing condition . she clearly marked no on the claim form she filled out and gave me. there are to many excuses of why they cant pay me yet...Thank you Debbie Logan 618.550.1687
e mail [protected]@hotmail.com