Anonymous
map-marker Middleborough, Massachusetts

Status of continue disability claim

I called to fix my portal

Wrong email gave the correct one.

Tried to find out status of my continuing disability claim.

Could not log on.

Called.

No person to speak with.

How do I speak with a human person

I would like to know where my payment of this claim is coming

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michael m Qbc

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Verified Reviewer
| map-marker Norwalk, Connecticut

I have been a Customer with Combined insurance for many years

I have been with Combined Insurance for many years and as of 1/10/2025 I cancelled my policies due to the fact that this company is a Scam! I was completely disappointed with their service, I filed a claim for an outpatient surgery that I had in November 2024 and didnt receive any response of denial January 10th 2025, received a from the adjuster who was trying to find reasons why my claim didnt qualify, I sent all the information from my doctor and everything they asked for but was still not enough!

So after all these years with this company I decided to cancel all 3 policies! And never recommend that anyone buy into this Scam!

Combined you got my money enjoy it because youll never get my business again and never will I recommend your company to anyone again! And tell everyone that I know that has any policies with your company just how you guys operate!!!

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Anonymous
map-marker Iasi, Iasi

Darina

Combined Insurance - Darina
Combined Insurance - Darina - Image 2
Combined Insurance - Darina - Image 3

Mi sa blocat contu nu știu de ce rezolvati cât mai repede problema va rog frumos aștept se 2 zile mai dureza

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User's recommendation: Superbet

mike L Xbl

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Verified Reviewer
| map-marker North Conway, New Hampshire

None payment/lack of communication

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I have a cancer policy that I've had since 2006. This company is a joke!

The website is a joke! It takes 30 minutes on the phone to get a person. I have stage 4 cancer. It took 2 months to get a payment.

After that, it took 2 months to get another payment of only $150. I send everything they ask for. Payments have stopped. Their response is always the same!

This process has taken too long and I will email the claims department. I get zero responses every time!

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User's recommendation: Stay away.....

Anonymous
map-marker Greensburg, Pennsylvania

Worst company I’ve ever dealt with they don’t wanna pay out on the claims

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Somebody else run in the damn place ive been paying into a policy for well over 20 years probably and now its time to collect and every time it there two months behind they dont even know what the *** theyre doing if the fight with them constantly

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User's recommendation: Go somewhere else

John N Wjj

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Verified Reviewer
| map-marker New Taipei City, New Taipei City

I would like to cancel all policies if I can’t get an agent to contact me

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I CANNOT GET AN AGENT TO CALL ME BACK. IT BEEN 4weeks and numerous phone calls from me. I would like to cancel all policies if I cant get an agent to return my phone calls

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Cons:
  • Will not return my calls

Preferred solution: An agent to call me

Victor C Xbq

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Verified Reviewer
| map-marker Tampa, Florida

THEY TAKE YOUR MONEY THEN WONT PAY YOUR CLAM !!!

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Talk about insurance fraud. The adjusters have no education on medical record knowledge.

They do not even need a high school education to work for the company.

The company should be reported to the attorney general's office. They take your money but never pay the amount you were owed.

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User's recommendation: do not use them

Kathleen M Xkl

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Verified Reviewer
| map-marker Queens, New York

Unsatisfied customer

COMBINED INSURANCE IS THE WORST!! JUST CANCELED MULTIPLE POLICIES WITH THEM YESTERDAY.

I'VE BEEN WITH THEM FOR OVER 10 YEARS. I'VE BEEN OUT ON DISABILITY SINCE MARCH 2024 BUT THEY REFUSED TO PAY UP ON MY POLICIES UNLESS I PRESENT THEM WITH A LETTER SAYING THAT I WAS DENIED BENEFITS FROM WORKER'S COMP. I TOLD THEM MULTIPLE TIMES THAT I NEVER APPLIED BECAUSE I HAVE DISABILITY INSURANCE WITH THEM. IT'S BEEN OVER 18 MONTHS AND STILL WAITING.

I HAD 2 DISABILITIES AND 2 ACCIDENTAL ADDING UP TO 3,600 DOLLARS MONTHLY . I CANCELED THEM YESTERDAY BECAUSE I REFUSED TO GIVE THEM ANYMORE OF MY MONEY FOR FREE

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1 comment
Guest

It's going 14 months for me. Did you ever speak with a Catherine Gallagher.

Shelley R Wgc

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Verified Reviewer
| map-marker Naperville, Illinois

Complaint

An account was opened fraudulently that fameadvice.com is the billing company. After contacting them 7 times via various methods, they have said that the subscription being billed for has been canceled, assured me that no further charges will attempted , and the situation is resolved...

yet 8 more attempts have been made by them to charge various amounts have been made in the last 4 days, of which the last 2 of the charges attempted were made 2 hours prior to while I was actually talking to them & the cherry on top was literally during our conversation about the situation while they were assuring me that they were not charging me any longer.. mind you the whole account was fraudulent and I was continously billed for 5.5 weeks so far after I reported this to them and authorities. Smh.

You can only chat with support 24/7 , send an email which you are supposed to receive a response within 12-24 hours and most issues are resolved within 12 hours( which i sent 3 and have yet to get a response...and it has been over a month since i sent the 1st email), or by phone that I have never been able to speak to anyone just sit on hold forever and ever only to get recording saying they are only available m-f 8-5 eastern time * which all of the calls I made were during those hours *

This has got to be the absolute worst company I have ever had the unpleasant opportunity to deal with!! If I could give them negative stars it would be -100+

Scam scam scam and they are just doing the billing for another website that isn't any better (worse actually )

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User's recommendation: NEVER NEVER EVER NEVEREVER subscribe to anything that uses Fameadvice.com as their billing provider

sasha m Anh

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Verified Reviewer
| map-marker Monsey, New York

Can never login in

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Takes FOREVER just to log in. Keeps cycling and cycling.

It's like they don't want you to get on in order not to make a claim. Just awful.

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Carole K Klr

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Verified Reviewer
| map-marker Houston, Texas

Still not finalizing a claim from. Dec 2023

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Had left knee claim paid in May of 2023.

Hurt right knee in Oct 2023 and had to have surgery on it. Sent all information requested.

You can never talk to a person who is actually in charge of your claim.

6 months of runaround is just ridiculous.

View full review
Pros:
  • Easy to get
Cons:
  • You can never talk to the person in charge of your claim

Preferred solution: The 1,000 the claim was supposed to pay

User's recommendation: Go with another company

Anonymous
map-marker Waynesboro, Pennsylvania

Didn't get paid on a policy want me to pay

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Wanted me to pay on a policy for a deceased man . He passed on the 26th of July, and they wanted me to pay the following months payment. W

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User's recommendation: Don't trust them at all, I can prove everything

Rudy R Rrr

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Verified Reviewer

Paperwork

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Can you provide what my two policies cover? I have requested this multiple times and nothing has happened.

Also, I'm still waiting for the letter telling me why my claim was denied. Thank you for your time.

View full review
Pros:
  • Are available to talk
Cons:
  • Employees customer service have no answers and there computer system is always down

Preferred solution: I would like for my claim to behonor

User's recommendation: Ask specific questions of policies

1 comment
Elinda Frr

So sorry to hear that you had this experience. I am an agent working with Combined and would be happy to help you with whatever questions and or concerns you have. Feel free to email me at chantel.anderson@***.com with your contact details so that I can contact you to assist you further.

Insurance Expert Talks

Exposed: Types of Insurance Scams and Fails

Exposed: Types of Insurance Scams and Fails

Mar 7, 2021

The insurance fraud: What is insurance fraud? What are the worst cases? How insurance fraud is discovered? How to protect yourself from an insurance scam? In this video, Charles R. Gallagher, an attorney, exposes the most common insurance fraud examples.

Read full article
Charles
Charles

Charles R. Gallagher, an attorney and managing partner with Gallagher & Associates. His practice focuses on insurance litigation, foreclosure defense and consumer law.

Teresea Fnl

False Advertisement

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Had this SDI for a few years. Was in unexpected accident that caused me 2 be off of work.

I figure let me fill out these forms & give my DRs there portion. Uploaded it was told the process & if need be repeat the process 4 continue claim. Exposure of this company came 2 light. Was told the adjuster would call, if need be.

But claims c/s & claims resolution all reviewed & stated all is needed was turned n. Plus they asked the necessary questions. 1 month is now turning into 2 months. U call, ask questions they have every excuse on need this time & that time 2 complete it.

Liars. By this time I reached out 2 the sales rep agent that sold it. Now, they know nothing, don't know how the process goes & etc. This is the same person that said alert him if & when I do a claim & he can assist with a smooth process.

Liar. Then 4 whatever reason some wayward shady siu investigator, reaches out "phone & email." She demonstrated herself as a liar, hippa & privacy violations. You ask her question & she lied on doing extensive investigation on anyone putting a claim in. Really, because that's just bogus in itself.

She stated my claim wasn't fully completed. Which was a lie. The claim documents are/were completed the right way. Come 2 find out this is there motive on not paying out claims, unbeknownst 2 myself.

They are a scam, ponzi/pyramid scheme. Collect our money with no intentions on a payout. Those that have gotten there claim paid congrats on that. What's also a red flag, they all bash there competitor's.

If they don't have physical advertisements of any sorts, not the place 2 do business with. We need visibility. Pure trash mentality & they will continue 2 try & go into your account 2 steal your money.

Go where you & your dollars matter. Cancel ASAP.

View full review
Loss:
$5000
Cons:
  • Fraud
  • Deceptive advertising

Preferred solution: Combined insurance claims bankruptcy

User's recommendation: Don't bother & go where you & your dollars matter.

7 comments
Guest

I honestly believe the majority of the reps are in on it as well. You pay into your premium & when you need to finally use it, here comes the barrage of lies, unethical business tactics & etc.

Catherine Gallagher is violating your privacy by doing that. I'm wishing you nothing but success in pursuing this disheartening matter. No 1 should have to continue to suffer behind them not doing what they promote.

This is a scam/ponzi scheme. Collect from customers with no return/real results in the end.

Guest

By any chance was the investigator name Catherine Gallagher.

Guest
reply icon Replying to comment of Guest-2632395

Yes, it was Catherine Gallagher

Guest
reply icon Replying to comment of Guest-2633203

OMG. I'm dealing with this liar now along with the CA Department of insurance.

She is a pathological liar. I'm working with an attorney this information has helped me tremendously. What I'm planning will help all the insured that has been scammed by Combined.

This women is a real piece of work. She even went as far as googling me and fraudulently pulling my credit report.

Guest

The information that Chantel Anderson provided dod not have a visible email address or direct phone number 2 contact her. The uneasiness combined insurance places on consumers is loud & clear.

Elinda Frr

So sorry to hear that this is your experience with Combined Insurance. I am an agent who works with the company and would like to help you in any way I can, perhaps shed some more light or help with your claim.

If you're open to it, send me an email with your contact information at chantel.anderson@***.com. I would be happy to help in any and every way that I can!

Guest
reply icon Replying to comment of Elinda Frr

Received the reply that Chantel Anderson did with a visible email or phone # attach. All was shown was her 1st & last name & nothing else.

View more comments (6)
Sanae Qay

Giving a feedback on claim

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Original review updated May 27, 2024

I never write reviews, but recently, an agent recommended that I write down a review as I had a positive experience, so here I am.

I have been their client for a year and recently, I was hospitalized due to an accident on my way home. I was denied insurance from the company as it was not in place, but I did receive the supplemental payout of 4400.

The agent was indeed pretty helpful; however, upon request to fill out the claim form, he declined to do so, and I eventually had to fill it out myself. He did help with some suggestions

View full review
Pros:
  • Insurance got paid
Cons:
  • It took 12 days to reimburse

User's recommendation: Definitely a go for hospitalization

Anonymous

This review is written by an individual who has purchased the reviewed product/service and/or confirms being a paying customer of this company. Check our FAQ

Verified Buyer
| map-marker Lakeland, Florida

From a God send to a Monster

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Combined Insurance - From a God send to a Monster
Contains 1 confidential file for company representatives

I have been with combined for almost 30 years and never a issue. Now we have issues.

Im not going to sit down and fill out 11 pages of stuff and give it to doctors. The old forms was a front and back, thats it, nothing more. I told a supervisor that it was easy when I was single mom but now being old with this insurance is a nightmare. I have 5 policies, so you think they would be concerned, I guess they don't care about customers anymore.

Furthermore, I feel if a company is going to be sold, that consumers should be warned and given a chance to look into the company.

Picture below will show a front and back ,1 pg for a claim, now they want people who are sick, and doctors that are over worked to fill out 11 pages for 1 small claim. That's half of a tree.

Does not make sense. They try to convince me it's the same thing, bull, if it is go back to the 1 page.

View full review

User's recommendation: I'm sure there are other small companies out there that offer better plans.

1 comment
Guest

Then don’t fill it out and pay the “small claim” out of pocket. You need to follow their rules, not say what you will/will not do. It sounds like you are hiding something and don’t like the questions or info required on the forms.

About

Related Companies

CHUBB, Federal Insurance Company, Chubb Atlantic Indemnity

Summary

Combined Insurance is an American company. The company specializes in supplemental insurance. The company was founded by W. Clement Stone. The tagline of the company is: "Let us make it easy. Combined Insurance." The company provides a diverse range of different insurance products such as supplemental accident and health insurance. The company operates in the United States, Canada, Ireland, New Zealand, Portugal, Spain, Thailand, and the UK. Combined Insurance is famous for providing easily understandable supplement insurance plans. In addition, the company offers professional advice on selecting supplement disability and other coverage.

Combined Insurance is recognized as a leader in supplemental insurance.

Combined Insurance reviews and complaints

Combined Insurance is ranked 239 out of 2192 in Insurance category

Area Served

USA, Canada, UK

Payment Methods

MasterCard

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