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Supplemental insurance pays benefits directly to you and helps you cover expenses your primary insurance doesn’t.
The answer, quite simply, is that primary insurance such as your health insurance covers only a portion of the total costs you may need help with in the event of sickness or injury.
It’s great that you have insurance – but what about the non-covered costs?
What about replacing lost income, paying rent, buying food – even just covering the expense of transporting loved ones to visit you at a recovery facility? Not to mention the cost of continuing to pay your major medical insurance premiums so your benefits don’t lapse.
That’s why Combined Insurance offers supplemental disability insurance, accident insurance, sickness insurance and life insurance. Our policies are easy to understand so you can make the right decisions about your coverage.
It’s a lot to worry about. Supplemental insurance simply helps you rest a little easier.
Combined Insurance supplemental insurance products are designed to help fill in the gaps your major medical insurance doesn’t cover – and assist in ensuring nothing falls through the cracks.
An estimated 60% of cancer costs are nonmedical expenses and not covered by typical health insurance. - American Cancer Society: Cancer Facts and Figures 2014 page 3.
Unlike your major medical insurance benefits, which are typically paid to the medical provider, Combined Insurance is paid directly– to you.
It’s your money. You can spend your cash benefit however you like to help replace lost income and assist you and your family maintain your lifestyle.
Combined Insurance isn’t tied to your work. Your benefits are portable because they’re yours, not your employer’s.
Combined Insurance agents love working with people by helping them select the right insurance coverage. Talk to one today!
Take our quick needs assessment to figure out whether your family has the insurance coverage you need.
Got questions? Concerns? Or maybe you just want to hear a reassuring voice. Get in touch now.
Our professional customer care team is standing by to help in every way they can.
Check the status of a claim, update your account information, get answers to questions and more.
View your policies, check your payment history, see updated claim status and more.
It's fast, easy, convenient and secure. Just log in to your account to get a new claim started.
Combined Insurance Company of America (Chicago, IL Illinois) is a leading provider of individual supplemental accident, disability, health, and life insurance products and a Chubb company. With a tradition of nearly 100 years of success, we have an A+ rating by the Better Business Bureau and are one of Ward’s Top 50® Performing Life-Health Insurance Companies. Combined Insurance is also the number one Military Friendly® Employer in the over $1B revenue category for 2019 by VIQTORY. This is the company’s eighth consecutive year on the top 10 list and fifth consecutive year in the top 5—Combined Insurance was previously named the number one Military Friendly® Employer in the nation for 2015 and 2016. In New York, products are underwritten by Combined Life Insurance Company of New York (Latham, NY).
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