Combined Insurance Company

October 20, Revdex.com NWabash Avenue, Suite Chicago, IL 60611- Complaint ID#: [redacted] Dear Revdex.com: This letter is being written in response to your email of October 13, While our policies have been traditionally sold in person by way of door-to-door sales, our home office is also reaching out to customers as wellIn brief, we contact current and past customers in order to discuss new policiesHowever, it is not our intention to overwhelm or alienate a customer Based on Ms [redacted] ' report, it appears that we were rather aggressive in our approachPlease ask Ms [redacted] to accept our apologies for any concern or inconvenience she may have experienced as a result of this situation In accordance with Ms [redacted] ' request, we have taken steps to discontinue all future contact with herSpecifically, we have informed sales management that all field agent contact is to be stopped and we have also flagged her former policy record to prevent telephone and mail contact with her While we trust that this letter satisfactorily responds to your inquiry, if you have any questions, or if I can be of further assistance, please let me know Sincerely, [redacted] , Senior Coordinator Combined Insurance Company of America Consumer Service Investigations Direct: ( [redacted] Toll Free: ( [redacted] FAX: ( [redacted] Case # [redacted]

Initial Business Response / [redacted] (1000, 5, 2014/02/14) */ February 12, Revdex.com NWabash Avenue Suite Chicago, IL Re: Your Case #: XXXXXXXX Consumer: [redacted] Dear Revdex.com: This letter is being provided in response to your inquiry of February 7, Ms [redacted] owns an Income Protection Policy #TXXXXXXX that provides benefits for total disability while the insured is totally disabled and under the regular care of a physicianShe also owns an Accident Protector Policy #TXXXXXXX and an Accident and Sickness Protector Policy #TXXXXXXX Our Claim Department received Ms [redacted] 's claim on August 22, A payment was promptly issued on August 26, The payment provided the emergency room benefit under policy numbers TXXXXXXX and TXXXXXXX, the emergency room follow up visit under policy number TXXXXXXX and total disability benefits under policy number TXXXXXXX Our Claim Department subsequently issued payments on September 17, 2013, September 27, 2013, November 5, 2013, December 6, 2013, February 4, and February 10, for additional total disability benefits and two more emergency room follow up visits On the statement completed and signed by her physician on January 28, 2014, he indicated that Ms [redacted] remained totally disabled, but that she would not be following up with him until April 17, He also stated that she was scheduled to return to work on April 21, Based on his statement, our Claim Department provided total disability to January 28, as it is our company's procedure to pay disability benefits to the date a doctor signs a claim form In phone conversations our Claim Department had with Ms [redacted] on February 5, and February 7, 2014, Ms [redacted] asked that we pay disability benefits to the date we were going to process the payment, February 7, Our Claim Department made a decision to grant Ms [redacted] 's requestA benefit check was issued on February 10, covering total disability to February 7, However, in order for our Claim Department to review her claim for additional disability benefits, they will require verification of treatment between February 7, and April Ms [redacted] indicated that she was going to wait until April and submit this additional information to our company In her statement to your office, Ms [redacted] stated that all of our Customer Service Call Center representatives were rude and disrespectfulShe also reported that a supervisor told her that she did not care about Ms [redacted] 's issues as she had her own We reviewed several of the conversations Ms [redacted] had during the first week of February While we did not hear or detect rude and/or disrespectful behavior, we did note that Ms [redacted] appeared frustrated and she commented to one representative in particular that he was not understanding the point she was trying to makeIn that particular call, she asked to be transferred to a managerHe transferred her to [redacted] in our [redacted] Claim Department During the conversation with Ms [redacted] Ms [redacted] stated that she used to be insured through [redacted] and that she never had challenges with claims through themShe also stated that [redacted] once paid her three months of disability into the futureMsGariepy said that she didn't care about [redacted] procedures as she had to focus her concerns on our claims and proceduresWhile she never told Ms [redacted] that she didn't care about her issue, we discussed this matter with Ms [redacted] Please extend our apologies to Ms [redacted] for any concern or inconvenience she may have experienced as a result of this situation While we did not detect any rude and/or disrespectful treatment, if Ms [redacted] is referring to a particular incident during a call she made prior to February 2014, please ask her to provide our office with the representative's name and/or the date of the call to our company so that we may research the matter and take any necessary corrective action In closing, while Ms [redacted] stated that another insurance company provided disability benefits into the future, as we discussed above, our procedure is to pay disability benefits to the date a doctor signs a claim formHowever, in cases where it appears that the insured will remain totally disabled beyond the date the form was signed, our Claim Department encloses a new claim form with the benefit check We trust that this letter satisfactorily responds to her inquiry If you have any questions, or if we can be of further assistance, please let us know Sincerely, [redacted] Senior Coordinator Combined Life Insurance Company of [redacted] Consumer Service Investigations Direct: (XXX) XXX-XXXX Toll Free: (XXX) XXX-XXXX / Ext XXXXX FAX: (XXX) XXX-XXXX Case # XXXXXXX Final Consumer Response / [redacted] (3000, 7, 2014/02/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) This reply seems very much like an attack on my credibilityThe issue was not to pay into the future as I told the rep it was to pay until the date that the adjuster signed off on the claimIt was stated that it was at the adjuster discretion and that's not right if it's policy then let it be policy but Ok I will make an appointment to follow up with my doc so that my disability can continue until he seems necessaryIf needs be I will submit a continuance claim formFor the record that manager was not professional with me or my disability situationI hope I will not have any negative handling with my claims in the future because I had to file this claim with Revdex.com

Initial Business Response / [redacted] (1000, 5, 2014/07/03) */ As the details of Mr [redacted] 's claim are protected under the Health Insurance Portability and Accountability Act (HIPAA), we are unable to release any information to your organizationHowever, be assured that our Claim Department spoke with Mr [redacted] on this day, Thursday, July 3, 2014, and they will be writing to him directly to further address his concerns If you have any questions, or if we may be of further assistance, please do not hesitate to contact us Sincerely, [redacted] L [redacted] Senior Compliance Coordinator Combined Insurance Company of America Consumer Service Investigations, Case XXXXXXX (direct line) X-XXX-XXX-XXXX (toll free) X-XXX-XXX-XXXX ExtXXXXX (fax) X-XXX-XXX-XXXX

I met with an agent and decided to open policies It was explained to agent to post date initial payment of policies so that there would be enough funds in the accountI was assured that this could be done that way and I didn't have to worry Unfortunately that didn't happen, My account was charged the same day for each policy amount thus resulting an overdraft charge of $for each transaction!! Furious this mishap, I contact the agent he ststes he pur the check in to be post dated He doesn't know what happenedSo then I call the company to cancel the policies and get a quick refund Since my entire transactions with the company was done electronically, including my signature for the policies, I figured my money would be returned to me the same wayNOT!!! Not only do they not refund electronically, I was informed that I can expect to receive a check in the mail 7-business days!!! business days I have yet to receive a refund.!!! No answer from the agent, I call the company To my disdain, I am told that my the request on my refund just went in yesterday and whoever told me I was suppose to receive a check 7-business days was wrongNeedless to say I will never use nor recommend this companyHopefully "my check is in the mail" or im gonna have to file further complaints!!

I have had Combined Insurance for over years Last year I had surgery and a stroke Combined's claim service was excellent! They paid me for coverages I wasn't even aware of I am in the property & casualty insurance business and never miss an opportunity to share my experience I recommend Combined to everyone that the subject arises with

I have submitted a SICKPAY Plus claim and the claims depthas done nothing but the run around to pay me on my claimI submitted my Drnote, physician statement, the company from state short term disability proof, employer proof that I am off from work for the next months, a copy of my HIPAA form from my initial applicationAnd they still have not approved my claimI am a current policy holder and military veteran spouse and I am completely disguised with how my claim has been handledI am recommending EVERYONE to STAY AWAY FROM THIS COMPANYMy claim number to prove to combined insurance this is a LEGIT COMPLAINT , that I will be escalating this to the commissioner and seeking legal counsel nowConsumer BEWARE- They will NOT want to pay you on your claims and give you every [redacted] to not pay you

October 30, 2015Revdex.comNWabash Avenue, Suite 3120Chicago, IL 60611-7621Complainant ID #: 94576058Consumer: Justin [redacted] Dear Revdex.com Customer Relations Advocate:This letter is being written in response to your inquiry of October 27, 2015.Privacy concerns prevent us from discussing the details regarding Mr [redacted] ’ inquiryHowever, we are able to state that he will be receiving two separate responses from our companyOur department will respond to his refund request concernsHowever, as we are not in a position to discuss the concerns he raised regarding his employment, our Human Resources department will respond to that portion of his inquiry.We are mailing our response to the Post Office box he referenced in his letterIf you have any questions, or if we can be of further assistance, please let us know.Sincerely,Paul [redacted] , Senior CoordinatorCombined Insurance Company of AmericaConsumer Service InvestigationsDirect: [redacted] Toll Free: (800) 663-/ Ext FAX: (312) 351- Case #4760174NOTE: WE TRIED TO UPLOAD THE ABOVE LETTER TO YOUR WEBSITE ON 10-30-15, BUT THE SITE WAS DOWN

Initial Business Response / [redacted] (1000, 5, 2015/08/28) */ August 28, Revdex.com NWabash Avenue, Suite Chicago, IL XXXXX-XXXX Re: Complaint ID #: XXXXXXXX Consumer: [redacted] Dear Revdex.com Customer Relations Advocate: This letter is being provided in response to Ms [redacted] 's August 19, inquiry to your office Prompted by your inquiry to us, we reviewed our records and learned the following Ms [redacted] applied for a policy through an agent of our company on August 13, On August 19, 2015, she faxed a signed policy cancellation/refund request letter to our companyOn August 25, 2015, we mailed her a full premium refund checkOn that same day, we also mailed a letter to her in a separate envelope in order to acknowledge that her policy was cancelled and that a full premium refund had been processed Her policy is now being considered null and void from the beginning While we trust that this letter satisfactorily responds to your inquiry, if you have any questions, or if I can be of further assistance, please let me know Sincerely, [redacted] , Senior Coordinator [redacted] Insurance Company of America Consumer Service Investigations Direct: (XXX) XXX-XXXX Toll Free: (XXX) XXX-XXXX / Ext XXXXX FAX: (XXX) XXX-XXXX Case #XXXXXXX

Initial Business Response / [redacted] (1000, 5, 2014/06/11) */ See attached response

I have been out of work since 3-14-16, so I waited for the tine period to put in the claim I had all the forms they sent me to be filled out by the drAfter which I waited to see when will I receive a payment to my surprise I never received a payment but more forms to be filled out this went on a for a while I called and every time they said u need to have the forms filled out by your drThis situation is still unresolved I made it known to them every weeks religiously they took their payment out from my bank account without fail I hav yet to receive any othet pay ment frm them my car note is now backed up may lose my vehicleIm kind of upset wth my bank [redacted] because thats where I was introduced to this non paying companyAfter posting my experience wth combined insurance on [redacted] in a matter or minutes I had sumthing ppl inbox me and said they are the worst I responded wish I would have known that b hand they also referred me to other companies such as [redacted] etcI tell my co workers and other customers at [redacted] to run when they are approached by thus company its been hell of an experienceI hav not received any thing but more forms to he filled out so I just gave up and will cancel the life insurance policy also I can only imagine what will happen if I passed awayI believe in karma whole heartedly and they will suffer lost due to there shady business practices

As stated in our June 3, response to you, since the disclosure of Mr [redacted] ’s claim information is strictly prohibited, in accordance with our Privacy Pledge as well as HIPAA (Health Insurance Portability and Accountability Act) regulations, we are unable to provide any further information to you at this time Be assured that after speaking with Mrs [redacted] by phone on June 1, our June 3, correspondence was mailed directly to her addressing the concerns expressed in her call to us as well as her inquiry to you Furthermore, we have now received correspondence from the [redacted] on behalf of Mrs [redacted] and we will be responding to them directly If you have any questions, please let us know Sincerely, Tamara [redacted] , Senior Coordinator Combined Insurance Company of America Consumer Service Investigations (toll free) ###-###-####

My fiancé and I both took out insurance policies with CombinedHis was for accidental coverage as well as mine which included emergencies resulting in overnight stays in the hospitalHe sent in a claim after her spent time in the hospital and was constantly denied claiming he didn't provide enough informationHe continued to comply with their requests for more documentation which clearly stated his emergency and stay at the hospitalStill, they kept sending denial lettersI signed up this summer for a policy that would cover me in case of a complicated pregnancyThe woman who sold us the policy stated many times that emergency induction would be coveredSo a few weeks after my emergency induction, I filed my claimReceived a letter denying my claim asking for more documentationI sent them at least pages of documentation including the application signed by my OBGYNI've called their office times over the past several weeks and have received no call backIt's been almost months since my initial claim was filedMy fiancé is a salesman for a different life insurance company and understands the ins and outs of a company like thisHe is disgusted in the way this company has robbed usPlease don't waste your time or money this company is clearly a FRAUD

Dear Customer: Thank you for your recent inquiry You should be hearing from our Claims department shortly regarding your concernIf you should have any questions in the meantime, please contact us at 1-800- [redacted] for further assistance Combined Insurance

Initial Business Response / [redacted] (1000, 5, 2015/04/20) */ To: [redacted] Dispute Resolution Specialist RE: Your Complaint #: XXXXXXXX Consumer: [redacted] Dear Ms [redacted] In accordance with HIPAA (Health Insurance Portability and Accountability Act) regulations, it is our goal to protect all confidential policyholder health information, specifically regarding claims, while continuing to provide high quality service to our customers As the disclosure of Mr [redacted] 's claim information is strictly prohibited, we are unable to provide any further information to you at this timeHowever, be assured that our Claim Department has contacted Mr [redacted] directly to discuss his claim and we have honored his request for cancellation of his policies If you have any questions, please do not hesitate to contact us Sincerely, [redacted] L [redacted] Senior Coordinator Combined Insurance Company of America Consumer Service Investigations (direct line) X-XXX-XXX-XXXX (toll free) X-XXX-XXX-XXXX ExtXXXXX (fax) X-XXX-XXX-XXXX

Initial Business Response / [redacted] (1000, 5, 2015/05/13) */ May 13, Revdex.com NWabash Avenue Suite Chicago, IL 60611- Re: Your Complaint Number: XXXXXXXX Consumer: [redacted] Dear Ms [redacted] : This letter is being written in response to your inquiry of May 7, The policy Ms [redacted] discussed in her inquiry to your office was issued on November 10, As her loss occurred within the first year of the policy issue date, our Claim Department began a standard pre-existing condition investigationSuch investigations begin by writing to the insured for a signed and dated authorization and often include a request for a list of physician's names After her claim was initially received in our mail room on March 3, 2015, the adjustor wrote to Ms [redacted] and asked her for a signed authorization and a list of physician's namesThe requested information was received on March 30, and on April 2, letters were mailed to two of her doctorsAt that time, a courtesy letter was mailed to Ms [redacted] regarding the claim status After sending a second request letter to one of her doctors on April 20, and an additional request by fax to the same doctor on April 21, 2015, the records from that doctor were received on April 24, On May 1, 2015, the claim file was sent to our Medical Director for review On May 8, 2015, a claim benefit check was issued under the new policyHowever, in reviewing the file for this response, a claim manager noted that an incorrect benefit was providedAn additional payment was issued to Ms***The combined total of the initial (incorrect) payment and the additional payment served to provide the maximum benefit payable for her loss under her new policy(It is also important to note that an additional benefit was provided under another policyThe additional benefit was included in the initial benefit check of May 8, 2015.) Ms [redacted] also indicated that she was receiving multiple emailsThese emails were sent through our Vodafone system, a system that was designed to provide automatic claim updatesThe Vodafone case was closed on May 13, 2015, so Ms [redacted] will not be receiving any more emails regarding her claim We regret that Ms [redacted] believed that her claim was being delayed intentionallyPlease assure her that a routine claim investigation took place because her loss happened to be within the first year of the policy's issue dateOnce the response was received from her doctor, the records were forwarded to our Medical Director for review and her claim was paid While we trust that this letter satisfactorily responds to her inquiry, if you have any questions, or if I can be of further assistance, please let me know Sincerely, [redacted] Binder, Senior Coordinator Combined Life Insurance Company of New York Consumer Service Investigations Direct: (XXX) XXX-XXXX Toll Free: (XXX) XXX-XXXX / Ext XXXXX FAX: (XXX) XXX-XXXX Case #XXXXXXX

We are in receipt of Mr*** rebuttal to our October 18, response
To reiterate, the disclosure of Mr*** claim information is strictly prohibited. Therefore, we are unable to provide any further information to you at this timeHowever, be assured that on October 20th, Mr*** spoke directly with Mr***, addressing his concerns regarding his policy and claim and confirming the actions taken.
If you have any questions, please let us know
Sincerely,
*** L***, Senior Coordinator
Combined Insurance Company of America
Consumer Service Investigations
(toll free) 1-***
*** ***
*** ***

In accordance with our Privacy Pledge as well as HIPAA (Health Insurance Portability and Accountability Act) regulations, it is our goal to protect all confidential
policyholder information, specifically regarding claims, while continuing to provide high quality service to our customers.
As the disclosure of Mr***’s claim information is strictly prohibited, we are unable to provide any further information to you at this timeHowever, be assured that we have been in contact with Mrs*** by phone and we have mailed correspondence directly to her addressing the concerns expressed in her inquiry to you. She should receive our letter within the next 10-business days
If you have any questions, or if we may be of further assistance, please do not hesitate to contact us
Sincerely,
Tamara ** *** Senior Coordinator
Combined Insurance Company of America
Consumer Service Investigations
(toll free) 1-800-225-

Initial Business Response /* (1000, 7, 2015/04/06) */
Our previous response included a "typo" in the first paragraph which listed an incorrect policyholder nameBelow is our corrected response
To: *** ***, Dispute Resolution Specialist
RE: Your Complaint #: XXXXXXXX
Consumer:
*** *** ***
Dear Ms***
In accordance with HIPAA (Health Insurance Portability and Accountability Act) regulations, it is our goal to protect all confidential policyholder health information, specifically regarding claims, while continuing to provide high quality service to our customersAs the disclosure of Mr***'s claim information is strictly prohibited, we are unable to provide any further information to you at this time
However, be assured that we have mailed correspondence directly to Mr***, addressing the concerns expressed in his inquiry to youHe should receive our letter within the next 5-business days
If you have any questions, or if we may be of further assistance, please do not hesitate to contact us
Sincerely,
*** L***
Senior Coordinator
Combined Insurance Company of America
Consumer Service Investigations
(direct line) X-XXX-XXX-XXXX
(toll free) X-XXX-XXX-XXXX ExtXXXXX
(fax) X-XXX-XXX-XXXX

Through work, I was asked in interested in obtaining a Worksite Solution "Accident" policy and in the course of discussion with the Combined Insurance rep, was shown a list of things that were covered The list looked pretty good and I signed up for payroll deduction I then tripped on a piece of raised sidewalk while walking, fell flat on my face and broke front teeth, requiring a fixed bridge consisting of crowns I had stitches in my lower lip as well Two weeks later, I developed an abscess of another tooth which the dentist felt was caused by the fall It required a root canal and another crown The policy reimbursement sheet stated that it would pay $for crowns Little did I know that the actual policy said it would pay for the greater of either an extraction or a crown I fractured a root on one of my broken teeth and that had to be extracted The policy would only pay for crown PERIOD, not all of the ones required by my accident I really feel that this is advertising

On 9-20-16, I spoke to Combined Insurance customer service via telephone number
1-800-*** and experienced a type of Identity Theft conversation I retired on 8-31-and requested with the female on the phone that their services (liability insurance) was no longer needed When I gave her my information she claimed that the policy isn't under my name but someone else who shares the same name (my son whom I no longer have a relationship with) When I informed her that all the premiums were being deducted from my own personal checking account she said it didn't match How could that be when the account is under my name, birth date, SS# and so fourth? Still she says that I have no right to cancel it since it didn't match the personal information I relayed to her My question is how did this happen? I started the account back in and there is no way that the other person who shares the same name with me could have been old enough at the time to start up the account This is truly a case of Identity Theft and this person didn't sound like she wanted to help me Since, I wasn't able to close the account, once again not able to provide the necessary information, I did the next best thing but did a stop payment on all accounts from two different financial institutions regarding all accounts pertaining to COMBINED INSURANCE One more thing, when I tried to click on Contacts via their website it would take me to a page that closes me out of the internet page It makes me think that they don't want to deal with customers via telephone especially if they want to cancel their accounts