Combined sent paperwork to wrong location for my Doctor. I had to step in and correct this.
When they finally started to pay the claim, they did so bi-monthly which would be okay except it was as much as 30 days between bi-monthly checks. After 90 days, my premiums were to be waived. At 60 days, they informed me that I had to re-submit paperwork to start the claim again and that my time started over. I took out this policy 3.5 years ago so that I something happened to me I wouldn't lose everything I had.
Thanks to Combined, I must try to go back to work against my 3 doctors wishes. If you are considering a disability policy, Please for your sake DO NOT choose Combined
Review about: Combined Insurance Disability Insurance.