I have been a Combined Insurance customer for many years with a wide variety of policies, as have other members of my family.

I became disabled from a Worker's Comp injury several years ago. I was diagnosed with multiple injuries, but was told by Combined Insurance my policy only covered one injury at a time.

A year into my policy, Combined started bawking at paying, despite receipt of all the required paperwork. I filed a complaint with the NYS Insurance Dept, citing bad faith insurance policies, as there was no reason for Combined Insurance to deny payment.

They subsequently paid on the claim, much later, and without the benefit of interest, but in the meantime I contacted an attorney. Come to find out I was eligible for benefits under each of my separately stated injuries. I have been attempting to get my money out of Combined for six months now. They deliberately misled me, and now to sue costs a lot of money I don't have (not to mention energy due to illness).

Combined used to be a solid company, but clearly belongs now in the category of micro insurance currently being invested by the government for failure to pay on mini-policies due to lack of funds. Beware.

So where do I start, well if ur considering a career in insurance DO NOT WORK FOR COMBINED. U will be overworked and underpaid. They are the lowest paying insurance company in Canada. The managers job is to sell u a dream and an opportunity. During the interview they act like they've interviewed on overwelming amount of applicants however thats far from true. Each provience has one executive. The executives are extremly dilussional and ONLY care for themselves. The dream is to one day become an executive but by the time u figure out that a Combined executives salary is ONLY $50000 a year, they recieve a company car but taxed HEAVILY on it, it's too late by then and u've wasted a bunch of time. The executives will ALWAYS push u to do greasy things, diffrent ways to decieve clients, lie to agents, anything for the executives to bonus. As a matter of fact the Executive in Saskatchewan is ACTIVELY commiting FRAUD and the higher ups know about it and they refuse to do anything. Actually the individuale who discovered the fraud was TERMINATED FOR REPORTING IT. And when it comes to nepatisam...this company is ahead of others. The Executive on the West coast is ONLY in that position because of the balls sac he was shot out of. His daddy is the reason y he is where he is, what a sad pathetic exsistance. The Executive in MB., at his own admitance is a closet homo (I'm sorry people had to find out this way).
Combined will try to sell u on the residuale income, now if u play ur cards right u can build a large residuale income, however they fail to tell u that the company owns the residuales and not the individuale. They also hold back the residuale payout in December...how sad, I'm sure this selfish act has reuined many Christmas'. Now if u callculate ur residuales on the monthly report the company sends and what u actually recieve in ur account u will notice a HUGE disscrepincy and if left unreported that adds up to thousands of lost income. Also ur residuales dissapear after five years. Combined will make u go after another mans dream, thats what the company was founded on. I have left this filthy, unethical orginization. As a result I gave up my residuale income which was over $50, 000/yr and in my oppinion it is DEFFINATLY worth it. Approximatly 9 people have left the organization as a result of my resignation. The company has tryed desperatly to disscredit us with slandeouse letters sent to clients about those who have left and encourage their agents and managers to activly tell people thing about us that are not true. PLEASE DO NOT b dilissional and fall victim to their empty promises u will b sorry. NOBODY in Combined has become a millionare as some of them claim, u may even fell sorry for ur manager if u were to c how they actually live. DO NOT B LIED TO!!!

The company collects premiums from supplemental insurance programs such as a "Hero Plan" but makes the claims process so inconvenient it’s not worth completing the process. Every attempt to resolve a claim is meeting with some request of obscure documentation that is of course time consuming to obtain. The claims representatives are about as pleasant and helpful as a DMV employee at 5 pm on a Friday. Then when you finally cancel the policy Combined Insurance continues to bill you then make you go through the process of obtaining a refund. Unless you enjoy filing paperwork in quadruplicate I suggest avoiding the worthless organization all together.

I have 3 policies & total refuse to pay bi cause they say hi need more info about the claim, i also provide the Dr cell phone, bills from hospitals, & info of the clinic but the company never pay.a penny hospital, accident, & Anny loss this company is just stiling money from working people never buy any from this company is just Bunche of rats.

the worst is i been paying more than 8 year i never use.

ulises hdez policies P8124998, P6727559 and P5317991

is just a waste of money I waste 8 years payin allmost $90 each month

please never buy any ting from this crap company .

I am a Ex-Mgr for Combined. I had the unfortunate experience of working for the Dietz a few years ago. I recently ran into another Ex-Agent as for if you have been on this site then you know that people only work for Combined long enough to ruin your household income and run you and your car or truck to the ground. The former employee told me of the big news all to the upcoming module. I was astonished to hear that Connie Dietz had received a big promotion even after she was investigated for all of her unethical tactics. And that Kevin Dietz has also been promoted. Her district was one of the worst and had the most turnover than any terr. Mgr. I am SHOCKED that Connie Dietz was promoted as I am of Kevin Dietz who is one of the cruelest manipulators and mind F***ks I have ever met. Stay away from Combined Insurance. I can only say that all of these Ex-employees cant be wrong. So, look at the big picture. Never work for Connie Dietz in Washington State. She is unethical and will stop at nothing to get her numbers.

Been there... In hell that is.