For an optimal site experience, we recommend using a different browser.
Using Internet Explorer may prevent you from accessing, and some site features may not function as expected.


Combined Insurance, a leading provider of individual supplemental accident, disability, health, and life insurance products, and a Chubb company, today announced that its SickPay Plus® policy is now available nationwide. SickPay Plus is one of the company’s fastest-growing products, serving the needs of Americans who do not receive a single paid sick day when they are sick or hurt and can’t work.

“Nobody plans on getting sick or hurt, but the truth is many of us simply can’t afford to miss work. First-day coverage is one of the key reasons why SickPay Plus appeals to consumers,” said Jan Martin, Vice President, Product Innovation for Combined Insurance. “With seven out of ten Americans living paycheck to paycheck, Day One coverage is essential to stay on top of basic bills, such as rent, mortgage, food, and utilities. Many similar insurance products require waiting 30, 60, 90 days or even longer for coverage to begin. SickPay Plus provides benefits of up to $2,000 a month paid directly to the policy holder to help them take care of their and their family’s needs.”

American consumers have a real need for this insurance policy. About 40 percent of U.S. workers—45 million people—do not receive a single paid sick day, according to 2015 statistics from the U.S. Department of Labor’s Bureau of Labor Statistics. Some sectors of the economy have very high percentages of workers without paid sick leave. For example, 64 percent of workers in Natural Resources, Construction, and Maintenance industries don’t receive paid sick leave, according to the BLS. Additionally, 51 percent of workers employed by small businesses with fifty or fewer employees do not have paid sick days.

“Every day we talk to people who must choose between going to work sick or staying home to get well,” said Doug Abercrombie, Senior Vice President and Chief Agency Officer for Combined Insurance. “Our consumer focus groups revealed not only the need for the product, but the features that would make it work best for them. We incorporated those features, including healthy lifestyle discounts, into the final product. SickPay Plus is designed truly with the consumer in mind. For Combined Insurance’s dedicated Sales Agents, this also provides a great opportunity to potentially help customers through this product.”

SickPay Plus shows high rates of customer satisfaction. According to a most recent Combined Insurance Survey, 97 percent of those who purchased SickPay Plus and responded to the survey are satisfied or very satisfied with the product. Additionally, 97 percent of respondents would consider recommending the first-day coverage plan to a friend or family member.

To learn more about SickPay Plus, visit

Combined Insurance has an A+ rating by the Better Business Bureau, and an A+ (Superior) financial strength rating by A.M. Best, one of the world’s top insurance rating firms. The company has also been recognized for six consecutive years as a leading provider of supplemental insurance on Ward’s 50® Top Performing Health-Life Insurance Companies list. Combined Insurance was also honored by G.I. Jobs® magazine as the number one Military Friendly® Employer for two consecutive years—2015 and 2016.

About Combined Insurance

Combined Insurance Company of America is a leading provider of individual supplemental accident, disability, health and life insurance products and a Chubb company. With a field sales force and corporate staff in excess of 5,000 people worldwide, Combined Insurance meets the growing coverage needs of policyholders around the globe. For more information about Combined Insurance products and/or career opportunities, call 1-800-490-1322 or visit

  • Follow us on Twitter:
  • Like us on Facebook:
  • Connect with us on LinkedIn:

About SickPay Plus

The SickPay Plus insurance policy has exclusions and limitations. For costs and complete details of the coverage, call your insurance agent or the company. Not all product features are available in all states. In New York, life, accident & sickness, and disability insurance policies are issued by Combined Life Insurance Company of New York (Latham, NY).

About the New Chubb

Chubb is the world’s largest publicly traded property and casualty insurance company. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. The company is distinguished by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength, underwriting excellence, superior claims handling expertise and local operations globally. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb maintains executive offices in Zurich, New York, London and other locations, and employs approximately 30,000 people worldwide. Additional information can be found at: