Complaints
This profile includes complaints for Combined Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 306 total complaints in the last 3 years.
- 106 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:10/24/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have a cancer policy with Combined Insurance that has been in effect since April ****. I have paid my premiums religiously. This year I was diagnosed with Breast Cancer and have been trying to get Combined to pay on the claim I filed with them. I originally filed the claim in June, I uploaded what I believed to be all of the needed documents August 1, 2022. Since them I have called multiple times to get the status of my claim. I am usually told it is still waiting to be assigned to a Claims Adjuster. This last time they said I needed more info. I had the forms filled out by the doctor. Uploaded, faxed, and emailed them to Combined on 10/3/22. It has been 20 days, and still no update to my claim. Combined is fantastic about sending an email for a survey after each time I call them, but that is all I ever seem to be able to get. I also requested a copy of my benefits be mailed to me. That never happened either. I am still receiving treatment, but at this point, I feel that I may be finished with treatment before Combined ever pays. My Combined Policy # is M2681540, and the Claim # is ********
Business Response
Date: 11/04/2022
November 4, 2022
Better Business Bureau of ******* & Northern ******** Inc.
***************************************************************************************** 60611
RE: YOUR ID#: ********
Dear BBB Customer Relations Representative:
Thank you for your correspondence regarding your ID Number referenced above.
Privacy concerns prevent us from providing claim-related details. However, we are able to state that our **************** has completed the review and sent our customer a letter dated November 3, 2022 regarding the inquiry to your office. The letter should arrive shortly. Rest assured that this matter has been addressed accordingly.
Thank you for contacting us.
Sincerely,
Combined Insurance Company of America
**************** Investigations
/Case #*******Initial Complaint
Date:10/20/2022
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Re: Case #******** at Combined Insurance Company/Refusal to provide me with income verification. I currently receive a $2500 (when averaged) monthly benefit from Combined Insurance, and they are refusing to provide me with documented proof of said benefit. I have been submitting claims to Combined Insurance since January 2021. Sometime in January of 2022, I requested a letter from my representative, **************. The response was "negative." I made a second request for same on (or about) October 17, 2022. I spoke directly with my representative on said day. He informed me that getting such a letter should "not be a problem," but that he had to clear it with his manager. I thanked him and hung up the phone. I tried calling yesterday, but my call was not received so I left a message. To date I have not received a return call or email regarding my request. Due to my illness and non-working status at this time, I am forced to downsize. I'm selling my house and I'm buying a less expensive and smaller house. The Mortgage Loan Officer is requesting documentation to show how Im currently supporting myself. I informed him of the $2500 monthly payout for disability insurance I purchased several years ago, and they requested proof. As per the Loan officer, verification of the amount I receive monthly, and if applicable, the date the benefit ends are needed. The sale of my current house is approaching, and I have not been approved for loan to purchase my new house. ************** was informed of the purpose for my need of the verification letter. Does Combined executives want me to become homeless? Combined Insurance is blocking my ability to obtain a loan by refusing to provide me with the income verification letter. Your assistance is needed to obtain same. Thanks for your assistance. Contact: General # *************, Claims Representative: ********************* ****************** *************************************************************************Business Response
Date: 10/28/2022
We are providing our response to your correspondence dated October 20, 2022.Initial Complaint
Date:10/17/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
th. -I have not recived payment for an accident claim $590 and a $50 wellness claim that was issed to me last week -October I have called the company and they said they would research claims and call me back. I am requesting that they CHUBB pay my claims immediately.Business Response
Date: 10/24/2022
Our company's response letter to your office is attached.Initial Complaint
Date:10/17/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have been a combined customer since 2017. I had a small claim about 2 years ago. There was no communication from them but it was paid after a couple months. On 7/29/22 I was in a car accident. I am the sole provider for a family of 5. I was hospitalized, taken by ambulance and had to have surgery. I also have not been able to work since and am currently in physical therapy. I started a claim a week after the accident and have been updating the claim weekly. After about a month I started calling every 10 days. I kept being asked to wait for more time. One of the most frustrating things is how I am constantly reminded that "claims only take ***** days" or "you know sir you can check on your claim online." My claim status on line has always said "incomplete web submission". As I have kept calling, I get bounced from operator to manager. Four weeks ago I was told my adjuster was in final review of my claim and I would see a check soon. After seeing nothing I called last week and the girl I was talking to said it was waiting for an adjuster to be assigned to it. Very dissatisfied with my experience so far. I have recommend Combined to several friends and co workers. One of my co workers who took my recommendation is dealing with this same thing. I have not heard anything from combined, except emails asking me to buy different policies. I understand that everyone is short on staff and there are struggles but to not even communicate and then get conflicting answers. Its extremely frustrating.Business Response
Date: 10/26/2022
We are providing our response to case # ********.Initial Complaint
Date:10/10/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I, have a life policy with Combine Insurance, for my Granddaughter ,*********************************, policy # ELD36101,I have not asked for a loan against this Policy that I mention,but since last year the Combine Ins. claims that I had asked for a loan,I called them last year to please correct my record, they never answered, and this year the same thing they send me a letter about the same thing, I told them to show me the cancell check that states that I recevied this money that they say that I got from them,I talk to a nice *********************, he said that nothing showed that I had gotten money against this policy, that they would send me a letter, but they have ignored me again,for the second time,I am a widow woman I just lost my spouse on 01/07/2021. I feel that I am taken advanage of,please help me, thank-youBusiness Response
Date: 10/17/2022
October 17, 2022
Better Business Bureau of ******* & Northern ******** Inc.
***************************************************************************************** 60611
RE: YOUR ID#: ********
Dear BBB Customer Relations Representative:
Thank you for your correspondence and follow up regarding your ID Number referenced above.
Privacy concerns prevent us from providing policyholder-related details. However, we are able to state that we have sent a letter to ****************** today, in response to her inquiry to your office. Rest assured that this matter has been addressed accordingly.
Thank you for contacting us.
Sincerely,
Combined Insurance Company of America
**************** Investigations
/Case #*******Business Response
Date: 11/11/2022
November 11, 2022
Better Business Bureau of ******* & Northern ******** Inc.
***************************************************************************************** 60611
RE: YOUR ID#: ********
Dear BBB Customer Relations Representative:
Thank you for your follow up correspondence regarding your ID Number referenced above.
While privacy concerns prevent us from providing policyholder-related details, we would like to note that we have sent another letter to ****************** today in response to her follow up inquiry to your office. Rest assured that this matter has been addressed accordingly.
Thank you for contacting us.
Sincerely,
Combined Insurance Company of America
**************** Investigations
/Case #******* [*******]Initial Complaint
Date:10/07/2022
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
My wife ************************* ************************* has accidental death insurance for $50,000 policy number V12218499 She pass away en June 06 2020 This company has been stalling this case for over at year, they had made me fill over and over forms which they never answer. They never return calls or letters or answer to the forms that i have fill twice. This $50,000 was to be divide between our 3 sons, I have pay this policy every month even after my wife died (around over 6 months) they were taking automatically from my bank account every month. I had investigate this company and found this is a common strategy from their part. There are thousands of complains against this company. I will appreciated your help in resolving this matter. Yours truly ***********************Business Response
Date: 10/13/2022
October 13, 2022
Better Business Bureau of ******* & Northern ******** Inc.
***************************************************************************************** 60611
RE: YOUR ID#: ********
Dear BBB Customer Relations Representative:
Thank you for your correspondence regarding your ID Number referenced above.
Privacy concerns prevent us from providing claim-related details. However, we are able to state that our **************** has contacted ************** by phone and sent a letter regarding his inquiry to your office. Rest assured that this matter has been addressed accordingly.
Thank you for contacting us.
Sincerely,
Combined Insurance Company of America
**************** Investigations
/Case #*******Customer Answer
Date: 10/13/2022
Complaint: 18181736
I am rejecting this response because: We have at contract for $50,000 to be pay to our sons, which they had never pay. They never call me in regards of my wife life insurance. I had send the documents they requested twice and never had in answer. There is only one answer to this contract, which is to pay the $50,000 to ours sons. The contract is very simple inclusive there are the written names of ours sons in the contract. First they sold us at health insurance for my late wife and later they persuade us to add at small life insurance for her, in behalf of our sons. What is the reason that they don't pay up the money ? They are reluctant to pay at contract that is been done with us, we had pay every month the amount that they charges to be cover, we are not missing any payments in top they were getting the money out of our bank account for 6 months after my wife dead, even do they were inform. There is no at solid excuse why they will not abide to the contract they make with my late wife, is very clear that they even had the names of our 3 sons that were to be pay up in case of my wife pass. Went they said they call me (which is not true) and talk to me about what ? They just plain ignore my calls and my letters, i had send the forms twice by certified mail and they don't pay or even mentioned that they had receive the forms. They are just ignoring a contract that they have to pay. To put it very simple : They sold me at product which I pay in full, were is my product ?Yours truly *********************
Sincerely,
***********************Business Response
Date: 10/26/2022
October 26, 2022
Better Business Bureau of ******* & Northern ******** Inc.
***************************************************************************************** 60611
RE: YOUR ID#: ********
Dear BBB Customer Relations Representative:
Thank you for your follow up correspondence regarding your ID Number referenced above.
We would like to note that our **************** has contacted ************** by phone today--left a voice message regarding his inquiry to your office. A letter was also mailed, and it should arrive shortly. Due to privacy concerns, we are unable to provide additional feedback. Rest assured that this inquiry has been addressed accordingly.
Thank you for contacting us.
Sincerely,
Combined Insurance Company of America
**************** Investigations
/Case #******* (*******)Customer Answer
Date: 10/27/2022
Better Business Bureau: I finally in touch with them; will see if they resolve the problem. I spoke with *** and send her more paper work that they require. After 2 years of diligence someone respond to my claim. Thank you much Sincerely yours *********************
Sincerely,
*********************Initial Complaint
Date:10/05/2022
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On june 24 th 2022 i had a outpatient surgery which under my sick policy i get $500 for surgery and $50 a day for recovery which was thru aug 29 th 2022 total they owe me is $3750. I faxed them all the paperwork on aug 16 th when i finally got a itemized bill n within 15 business day my check should of been sent outi have called them 6 times n each time they tell me the check was approved on sept 8 th and they are waiting for the adjuster to approve it i speak to ************ get no wheres can you please help with this matterBusiness Response
Date: 10/15/2022
October 15, 2022
Better Business Bureau of ******* & Northern ******** Inc.
***************************************************************************************** 60611
RE: YOUR ID#: ********
Dear BBB Customer Relations Representative:
Thank you for your correspondence regarding your ID Number referenced above.
Please be advised that our ***************** has contacted our customer by phone on October 13, ******** a voice message as she was unavailable, and followed up with a letter in response to the inquiry received in your office. As the release of policy information, specifically regarding claims, is strictly prohibited and it is our goal to protect all confidential information, we are unable to provide any feedback to your office. Rest assured that this matter has been addressed.
Thank you for contacting **.
Sincerely,
Combined Life Insurance Company of ********
**************** Investigations
Case #*******Customer Answer
Date: 10/19/2022
Complaint: 18171367
I am rejecting this response because:Yes Combined Called and left a message on the 13th that someone would be contacting me with information on when my check would be put in my account and i have not rec'd a email or a letter or my check yet.
Sincerely,
***************************Business Response
Date: 10/27/2022
October 27, 2022
Better Business Bureau of ******* & Northern ******** Inc.
***************************************************************************************** 60611
RE: YOUR ID#: ********
Dear BBB Customer Relations Representative:
Thank you for your follow up correspondence regarding your ID Number referenced above.
We would like to note that our ***************** has contacted our customer again by phone on October 24 and October 26, 2022, but she was unavailableleft another voice message to return call. Due to privacy concerns, we are unable to provide additional feedback. Rest assured that this matter has been addressed.
Thank you for contacting **.
Sincerely,
Combined Life Insurance Company of ********
**************** Investigations
Case #******* (#*******)Customer Answer
Date: 11/02/2022
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
***************************Initial Complaint
Date:10/05/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
False advertisement about processing claims within ***** days if submitted online. Online portal down at times and not updated in timely manner. Absolutely no communication between company and customer regarding pending status or required documents unless the customer calls. Every phone call staff gives different answers. First payment received after 2 months of disability solely because the customer has to call numerous times to inquire whats needed to help process claim.Business Response
Date: 10/18/2022
October 18, 2022
Better Business Bureau of ******* & Northern ******** Inc.
***************************************************************************************** 60611
RE: YOUR ID#: ********
Dear BBB Customer Relations Representative:
Thank you for your correspondence and follow up regarding your ID Number referenced above.
Privacy concerns prevent us from providing claim-related details. However, we are able to state that our **************** has completed their further review of the claim and sent a letter dated October 17, 2022 to our customer regarding the inquiry to your office. The letter should arrive shortly. Rest assured that this matter has been addressed accordingly.
Thank you for contacting us.
Sincerely,
Combined Insurance Company of America
**************** Investigations
/Case #*******Initial Complaint
Date:10/02/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Combined insurance is taking months to pay claims. Proof from my last 2 claims this year. When they typically have 10 days to pay by law. Nowadays the way they get around the permitted 10-day amount of is by not posting my claim to my account which I submitted over 10 days ago. I filed my claim online and faxed the claim as well. All of my paperwork is intact, and nothing is missing. I have had this account for nearly 8 years, and I am aware of what is required, everything but a blood sample. While my doctor's ****** sends me to collections, combined insurance is taking their sweet old time to pay my claim. Where are the checks and balances with the supplemental insurance companies. Who regulates them? When I call, they say, "give it some time and it will post to your account." How long will this go on before someone begins to look into them. Please helpBusiness Response
Date: 10/07/2022
October 7, 2022
Better Business Bureau of ******* & Northern ******** Inc.
***************************************************************************************** 60611
RE: YOUR ID#: ********
Dear BBB Customer Relations Representative:
Thank you for your correspondence regarding your ID Number referenced above.
Please be advised that our ***************** contacted our customer by phone on October 5, 2022 to provide information and update on her claim; unfortunately,she was unavailable and we were unable to leave a message. A letter dated October 7, 2022 has also been sent, in response to the inquiry received in your office. As the release of policy information specifically regarding claims is strictly prohibited, and it is our goal to protect all confidential information, we are unable to provide any feedback to your office. Rest assured that this matter has been addressed.
Thank you for contacting **.
Sincerely,
Combined Life Insurance Company of ********
**************** Investigations
Case #*******Initial Complaint
Date:10/02/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I filed an accident claim for my broken foot in March 14, 2022 for an accident that occured 2/27/2022. I have called them numerous times several times, left several messages and even posted complaints on their ******** page and still have had no response. No one has real answers. They claim they have an adjuster looking at the claim and the adjuster does not respond to our calls. We have been literally begging them to contact us and tell us something but they continue to say that the adjuster will call but its October and still no call and no paid claim. I have sent them all the documents they requested and my doctor and the hospital has sent the documents they requested and still no one responds!Business Response
Date: 10/06/2022
Our company's response to your office is attached.
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