Skip to main content

Cookies on BBB.org

We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Cookie Preferences

Many websites use cookies or similar tools to store information on your browser or device. We use cookies on BBB websites to remember your preferences, improve website performance and enhance user experience, and to recommend content we believe will be most relevant to you. Most cookies collect anonymous information such as how users arrive at and use the website. Some cookies are necessary to allow the website to function properly, but you may choose to not allow other types of cookies below.

Necessary Cookies

What are necessary cookies?
These cookies are necessary for the site to function and cannot be switched off in our systems. They are usually only set in response to actions made by you that amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site will not work. These cookies do not store any personally identifiable information.

Necessary cookies must always be enabled.

Functional Cookies

What are functional cookies?
These cookies enable the site to provide enhanced functionality and personalization. They may be set by us or by third party providers whose services we have added to our pages. If you do not allow these cookies, some or all of these services may not function properly.

Performance Cookies

What are performance cookies?
These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance.

Marketing Cookies

What are marketing cookies?
These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant content on other sites. They do not store personal information directly, but are based on uniquely identifying your browser or device. If you do not allow these cookies, you will experience less targeted advertising.

Find a Location

Combined Insurance Company has 36 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Country
    Please enter a valid location.

    Business ProfileforCombined Insurance Company

    Insurance Companies
    HeadquartersMulti Location Business
    BBB accredited business
    The Complaints and Reviews shown on this HQ profile may have been submitted against either the HQ itself or one of the corporate-owned locations found under "Find Locations".

    At-a-glance

    Customer Reviews

    1.31/5stars

    Average of 265 Customer Reviews

    Customer Complaints

    290 complaints closed in last 3 years

    110 complaints closed in last 12 months

    BBB Rating & Accreditation

    Accredited Since: 3/20/1954

    Years in Business: 102

    Customer Reviews are not used in the calculation of BBB Rating

    Overview of BBB Rating

    Overview

    Combined Insurance Company of America provides individual supplemental accident & health, disability, and life insurance products and is a Chubb company. 

    Business Details

    This is a multi-location business.

    Find a Location

    Combined Insurance Company has 36 locations, listed below.

    *This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

      Country
      Please enter a valid location.
      Headquarters
      Chicago, IL 60631
      BBB File Opened:
      1/1/1954
      Years in Business:
      102
      Business Started:
      1/1/1922
      Business Incorporated:
      10/2/1919
      Accredited Since:
      3/20/1954
      Type of Entity:
      Corporation
      Alternate Business Name
      • Combined Insurance Co. of America
      Business Management
      • Ms. Tanya Stojanovski, Manager
      • Mr. Rich Williams, President
      Contact Information

      Principal

      • Mr. Rich Williams, President

      Customer Contact

      • Ms. Micaela Falco
      Additional Contact Information

      Website Addresses

      Customer Complaints

      290 Customer Complaints

      Need to file a complaint? BBB is here to help. We'll guide you through the process. How BBB Processes Complaints and Reviews

      File a Complaint

      Most Recent Customer Complaint

      05/08/2024

      Complaint Type:
      Order Issues
      Status:
      Answered
      February 2022 I made an accident injury claim with Chubb Combined Insurance, which was paid (Claim #********).I have been a customer for 5 year in good standing.November 2023 I required surgery from the same accident and I made a supplemental claim. This required me to mail in documentation from the hospital and doctor.Patiently I waited to hear from Combined Insurance to acknowledge they had received the documentation and began the supplemental claim. Finally on 04/10/25 @ 3:04 pm I called and inquired on the supplemental claim status. I request to speak with a supervisor after not receiving an adequate response from the call taker. I spoke with ******** who assured me that they had received the documents I had sent in. She confirmed receipt of the documents and said that everything was with the claims adjuster, *********************. ******** said that she would expedited my claim and understood my frustration about the lack of communication.She said I should finally receive a call from ****** within 48 hours. I did not receive a call.On Friday 4/19/24 @ 0938 I called back into Combined Insurance to seek information as to the delay and why I had not been contacted yet. I Spoke with another supervisor, *******, again and I was told my case had been escalated again, and the claims adjuster, *********************, would call me but could not say when. I never received a call.On Tuesday 05/07/24 @ 0900 I called Combined Insurance once again seeking information as to the status of the claim and why I had not received a call? I asked to speak with a supervisor and once again spoke with *******. She checked for updates on escalation case and advised that it was still being reviewed by the claims adjuster. @ 0940 I request to speak with ********* supervisor and I was forwarded to the escalation team supervisor ******. She advised that she was escalating my complaint to her supervisor and asked to please allow 48 hours for the review. I patiently agreed
      Read More

      Customer Reviews

      265 Customer Reviews

      What do you think? Share your review.

      How BBB Processes Complaints and Reviews

      Start a Review

      Most Recent Customer Review

      Sona S

      5 stars

      05/27/2024

      There pay at list in ******* ******. My mom had 3 claims my dad 1 ,my kids 1, I had 1 and my sister had 2 claims. I'm not going to lie it takes little times sometimes if I don't submit correctly or I fill it out wrong or there waiting for my doctor to respond or I forgot supporting documents but in the end when I fix all their do pay.    

      Combined Insurance Company Response

      05/29/2024

      Hello ****, we are happy to hear that you are satisfied with your coverage. If we can be of any further assistance, please feel free to email me at **************************************** Thank you, *******.

      Local BBB

      BBB of Chicago & Northern Illinois

      BBB Reports On

      BBB reports on known marketplace practices.

      BBB Business Profiles may not be reproduced for sales or promotional purposes.

      BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

      When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

      BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

      As a matter of policy, BBB does not endorse any product, service or business.