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:08/08/2022
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.
6/5/2022 7/09/2022 7/25/2022 I have been a client of this Insurance company since 2015. This is the first year I have filed any claims. The website is faulty and the agents are untruthful and inept. I had surgery for a severely broken hand and severed ligament. I have entered a claim into the system 3 times and it does not appear online in my account. I called and a claims agents gave me a claim number and assured me it was in the system. I have yet to receive payment and when i entered the "claim number" I am being told no such number exists. I have been on hold with these people for hours on end and still nothing. I am behind on my bills due to loss time from work and PT.
Business Response
Date: 08/16/2022
We are providing a response to your inquiry.Initial Complaint
Date:08/05/2022
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.
Policy # V1944527 Policy effective date 2/17/22 Policy Type - Accident/ Sickness Hospitalization Dates - 3/5/22 thru 3/10/22 Diagnosis: Pneumonia Date Claim submitted: 3/25/22 Claim # ******** I've been getting the run around from the company for almost 5 months now and I'm getting no resolutionBusiness Response
Date: 08/17/2022
August 17, 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 yesterday and sent a letter dated August 16, 2022, 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 us.
Sincerely,
Combined Life Insurance Company of ********
**************** Investigations
Case #*******/8267119Customer Answer
Date: 08/21/2022
Complaint: 17676653
I am rejecting this response because: As of today August 21st I still have not received anything in the mail from Combined Insurance. I did speak with the claims supervisor and I was informed about their decision and was told that a letter was being mailed out to me. This is not the first time that I was told that papers were being mailed out to me and I never received any of them.
Sincerely,
*************************************Business Response
Date: 08/26/2022
August 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.
Please be advised that our ***************** is in contact with our customer regarding her additional claim inquiry. While privacy concerns prevent us from providing claim-related details to your office,we are able to state that the claim adjustor and the customer have been in contact via telephone and email regarding this matter. Rest assured that this is being addressed accordingly.
Thank you for contacting us.
Sincerely,
Combined Life Insurance Company of ********
**************** Investigations
Case #*******/8267119/8275189Customer Answer
Date: 08/29/2022
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:08/02/2022
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.
I have called in at minimum 5 times to inquire on the status of my paperwork. I pay a monthly fee for services and if injured, sick or unable to work I file forms. I have done so and each time I am told something different, my paperwork has been recieved or to look online. I have ... of course the website is almost always wrong. The party assigned to my paperwork NEVER calls back. I am furious and need the actual assistance I signed up for. Specifically on claim ********!!!Business Response
Date: 08/12/2022
August 12, 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 telephone on August 4, 2022 and followed up with a letter dated August 5, 2022, 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 us.
Sincerely,
Combined Insurance Company of America
**************** Investigations
/Case #*******Customer Answer
Date: 08/15/2022
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:07/21/2022
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 submitted a claim to Combined Insurance *** on 6-2-22 via mail. They received the required paperwork on 6-9-22 and said it was gonna take about a week to review the claim and that theyd let me know if they needed extra info. We pay $145.17/mo. for this ins. and have been their customer since 5/2016. I and my ***************************************** agent have made contact w/ Combined a couple times since to find out the status of our claim (#********). They told our agent it was gonna be escalated earlier this month, but when I talked to them on 7/18/22, Combined shared that they would escalate it because it hadnt been done when our agent last talked to them. Its been four days since my last call, and our claim still doesnt show up as processed. Ive been given conflicting information and excuses as to why this is so. We just want the benefits we were promised wed get when we decided to purchase this supplemental health/accident insurance.Business Response
Date: 07/28/2022
July 28, 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 with a letter dated July 27, 2022, 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 us.
Sincerely,
Combined Insurance Company of America
**************** Investigations
/Case #*******Initial Complaint
Date:07/21/2022
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 submitted a claim to Combined for my cancer diagnoses back in January or February and I keep getting the runaround. Documents have been both mailed and faxed and yet they keep claiming that they don't have the information they need. I was told on multiple occasions by Combined representatives that they had all the info they needed and now months later they try to say they don't have my info. This is very unprofessional and should not take this long. I just want my claim processed in a timely manner and not have to take months and months.Business Response
Date: 07/28/2022
July 28, 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 reached out to our customer by telephone-- left a voicemail message, and followed up with a letter dated July 26, 2022, in response to his inquiry to 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 us.
Sincerely,
Combined Insurance Company of America
**************** Investigations
/Case #*******Initial Complaint
Date:07/19/2022
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.
with a broker I started an insurance plan through ******************* in 2021. I canceled this insurance Jan 2022. After review of bank statements This company continued to charge my card for insurance that was cancelled. I have called several numbers which include ****** the broker, market place, and the combine insurance. with ***** on the line Combine was notified of no insurance policy due to cancel in jan 2022. I then am being advised by the combine they will not reimburse me and they still have not cancelled the plan to continue charging me. Now i have to file a fraud complaint and probably change bank accounts due to their continue fraud. I want a reimbursement and i want this off of my account.Business Response
Date: 08/04/2022
We are responding to your inquiry.Initial Complaint
Date:07/19/2022
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 would like to file a complaints about life insurance company called combined ins. My brother who had life insurance with them passed away in February and they refuse to pay. Multiple attempts to get them process the claim. They continue to say we are reviewing this claim. Even the attorney office has. Contacted them without success. Horrible service. Life insurance claim to fame what would you do if someone passes. 7months later with no payment is ridiculous. This should be documented so other people are aware of how poorly they run this company.Business Response
Date: 07/27/2022
Our response to your office is enclosed.Initial Complaint
Date:07/18/2022
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.
I have paid premiums to **** company for 8 years. At first they were great. First 3 years. They were prompt. After 3 years it is nothing but a fight for them to pay a claim. Their website is a joke that they prefer you to file your claim. My policy # is T7425674. This claim # ******** that I am filing a complaint on I have asked combined for reconsideration after taking forever to process. A year ago I had the same procedure done but this time more evasive by being sedated. They paid the claim last year and this time denied the claim. Last year also had a biopsy procedure done which is removal of thyroid tissue to biopsy, they paid the claim for the procedure. A couple months later I had it done again at the hospital and was sedated and biopsy was more evasive also removal of tissue to be biopsies and that claim was denied and I was told that it's not covered because I did not have removal of a body part or organ. I argued that a biopsy is removal of body tissue! Of course they still denied the claim although they paid it a couple months prior. There is no one to talk to except any operator and it's suggested to send letter back writing to have reconsidered. There is only and name of nitin/nitin claim ***** On the letter. Cannot contact the adjuster. This company has received so many bad reviews on the same issue of constant denials after people start their policies they are great and soon after, it starts. I would like reconsideration on my claims I had 2 claims paid of different procedures and then had both procedures done again and denied. It is horrible that you cannot speak directly to anyone on the claim and they never provide information on website they push to use. Today is the 18th of July, their website stated today its in review. I call every week and not told it's denied until the letter today I recieved dated July 4th.Business Response
Date: 07/22/2022
Our company's response is attached. A separate response is being mailed to our insured by our Claims Department.Customer Answer
Date: 07/25/2022
Complaint: 17586372
I am rejecting this response because: this procedure was affecting tissue as in destroying nerves. As I stated you paid this procedure last year. Also, as claimed, you paid a claim for removal of body tissue of my thyroid and a couple months later denied it as well claiming it must be removal or repair of body tissue. So how do you explain removal of body tissue for biopsy is not covered? Along with destroying body tissue with the ablation? You have so many bad reviews same problems. Your great at first then deny every claim after a couple years of paying premiums. Explain removal of tissue fully sedated of thyroid for a biopsy? This is wrong. You need to make good on what you say you cover. You don't pay "by mistake" 2 times 2 different procedures.
Rd
Sincerely,
***********************Business Response
Date: 08/01/2022
Our company's response to your office is attached.Customer Answer
Date: 08/07/2022
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 **** am looking for them to accept claims and not deny as they have previously paid
Sincerely,
***********************Initial Complaint
Date:07/18/2022
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 my disability claim they received it May 24 for a month I called asking what was taking so long was told they dont need any additional documentation to find out a month later they needed a surgical report and never bothered to notify me they are dragging their feet on paying out my disability claim. Today the customer service hung up on meBusiness Response
Date: 07/26/2022
July 26, 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 **************** by telephone and followed up with a letter dated July 21, 2022, in response to her inquiry to 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 us.
Sincerely,
Combined Insurance Company of America
**************** Investigations
/Case #*******Initial Complaint
Date:07/13/2022
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 accident insurance policy with Combined. I have a payable accident claim. They refuse to pay and ask for more information. I have provided everything I can submit. I keep getting a run aroundBusiness Response
Date: 07/22/2022
July 22, 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 **************** by telephone and followed up with a letter dated July 18, 2022, in response to his inquiry to 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 us.
Sincerely,
Combined Insurance Company of America
**************** Investigations
/Case #*******
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