Combined Insurance Claims Explained

Insurance Claims Combined Insurance Claims Explained

File Combined Insurance Claims Smoothly

Combined Insurance Company of America provides supplemental health, disability, accident, or life insurance to individuals and employers. 

Having an insurance policy in case of unexpected health problems or accidents gives you peace of mind. Unfortunately, when the time comes to claim your insurance, even the best providers tend to make the procedures complicated.

If you are a Combined Insurance policyholder and would like to file a claim, DoNotPay can help you do that in a few clicks.


What Products Does Combined Insurance Offer?

Combined provides supplemental health, life, and income replacement insurance products for individuals. To be more specific, they cover the following options:

Sickness and Accident

  • Accident plan
  • Accident and sickness plan

Both plans cover accident- and illness-related costs

Specified Illness

  • Cancer Care Protector covers long-term cancer treatment expenses
  • Cancer Protector provides the cash benefit if one of the listed cancers is diagnosed
  • Critical Care Protector provides benefits for listed diseases and medical conditions

Cancer Protector and Critical Care Protector policies pay out lump-sum benefits that you can use in any way you choose 

Income Replacement

  • Income Protector provides monthly benefits for a maximum of two years in case of a total disability
  • SickPay Plus provides benefits for injury or illness during medical care and for a maximum of six months

Life Insurance

Family Life Protector is a life insurance policy covering death benefits ranging from $50,000 to $100,000

Combined offers portable group insurance policies to employers, meaning that a staff member can keep the policy if they choose to leave the company.

Regardless of the type, DoNotPay assists in filing your claim, including unemployment or accident insurance. 

Allow DoNotPay To File Combined Insurance Claims for You

Filing Combined or any other insurance policy is a no-brainer with DoNotPay. 

Provide basic information, and we will take care of everything else. This is what you need to do:

  1. Open DoNotPay in your web browser
  2. Choose the insurance type
  3. Enter a few essential details (provider and policy number)
  4. Provide the reason for filing your insurance claim, including the details of the incident 

Once you have completed these simple steps, DoNotPay will submit your claim. Expect to hear from a Combined Insurance representative with further instructions. 

DoNotPay has simplified the whole procedure as we understand how tiresome it can be. Use our app to save time and money!

File Combined Insurance Claims by Yourself

Before filing your Combined Insurance claim, make sure to prepare the following:

  • The completed claim form
  • Policy number 
  • Policyholder’s name and birthdate
  • Copies of supporting documents
  • The death certificate and obituary notice for a life insurance claim

To start with the claim process, you need to download an appropriate form. This is how to complete the claim form you have chosen:

  1. Open the Policyholder page
  2. Click on Forms and Documents on the left
  3. Open and download the appropriate claim form
  4. Print all pages 
  5. Fill out the Claimant Statement
  6. Let the physician fill out the Attending Physician’s Statement
  7. Get your employer to complete the Employer’s Section
  8. Read the Fraud Notification for your U.S. state
  9. Sign and date the claim form

Once you have completed the claim form and gathered all supporting documentation connected to the illness or accident, you can file them by:

  1. Phone
  2. Fax
  3. Mail
  4. An online form

Call Combined Insurance

To file your claim, you can get in touch with the Claim Department at the following numbers:

  • For all U.S. states except New York—1-800-225-4500, Monday–Friday, 7.30 a.m.–6.00 p.m. CST
  • For New York residents—1-800-951-6206, Monday–Friday, 8.30 a.m.–6.00 p.m. EST

Send Combined Insurance Claims via Fax

If you want to send the form via fax, you need to complete and fax it together with supporting documentation and bills to 1-312-351-6930.

Prefer Snail Mail? Here’s the Combined Address for Claims

In case you would like to send your claim by mail, you should use the following address:

Combined Insurance

Claim Department

P.O. Box 6700

Scranton, PA 18505-0700

Do not forget to fill out all sections, sign and date the claim form, and provide copies of relevant documents and invoices regarding your accident or illness.

File Combined Insurance Claims Online

To file your claim on the Combined website, you need to set up your online account, access the Claim page, and follow the prompts to finalize the claims procedure.

Check Your Combined Insurance Claim Status

You can check your claim status by completing an online form or calling one of the above-listed numbers. Make sure to have the policy number and the policyholder’s name and birthdate at hand.

DoNotPay Helps if Combined Insurance Denies Your Claim

Has Combined Insurance rejected your claim? Do not fuss—DoNotPay will help you with this issue!

Follow these steps to appeal Combined’s decision:

  1. Visit DoNotPay in a web browser
  2. Select the appropriate type of insurance
  3. Click Appeal Denied Insurance Claim
  4. Follow our prompts 

Our app will file your appeal letter, and Combined Insurance should reconsider its decision. 

DoNotPay is your trustworthy assistant in all insurance-related matters. You can rely on us to file Fred Loya, Root, Allianz, or Shelter insurance claims, to name a few. We can also present a way to cancel Ambetter, USAA, or Kaiser Permanente insurance coverage if their services don’t meet your criteria. 

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Subscription Issues? DoNotPay Can Help!

If you are looking to test out a service, think twice before disclosing your payment info. Companies will often ask you for your credit card details even when signing up for a free trialthey charge you once the trial expires. 

Use our virtual credit card, and don’t worry about unwanted charges! 

Our credit card gets automatically approved for any free trial, but it rejects any real charges since there is no money on it.

DoNotPay will locate and cancel all your unwanted subscriptions without you having to deal with customer service reps.

We can also help you request refunds from companies or take them to small claims court if they refuse to cooperate.


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