Looking for employee staying power? We can help. Combined Insurance, a Chubb company, has been around nearly 100 years. We know a thing or two about how supplemental insurance—Accident, Critical Illness, Disability or Life—can help you address the challenge of attracting and retaining employees.

 

Increase your benefits. Not your costs.

What can you do to get and keep the people you need?

Supplemental insurance is one solution. Studies like the Tower’s Watson Global Benefit Attitudes survey show that employees place a great deal of weight on the quality and perceived value of benefits.

Employees Value More Benefits

  • 83% of employees want—and would fully pay for—supplemental benefits1
  • Nearly 87% of employees offered supplemental benefits felt that they mattered to their employers1

Supplemental benefits provide employees with greater financial security and better support during a health or injury crisis or other personal needs. More peace of mind for employees means greater focus and loyalty for you.

1http://www.hrdive.com/news/benefitpro-83-of-employees-want-and-would-fully-pay-for-voluntary-benefit/446668

Supplemental Insurance from Combined Worksite Solutions

Accident Insurance

Covers Unplanned Expenses

If injured from an accident, helps pay costs associated with the injury

Additional Options:

  • Sports Package—benefits paid for injuries sustained while playing organized sports
  • Rehabilitation Package—benefits paid for admission and confinement care, plus recovery at home
  • Family Care—benefits paid for up to 30 days of childcare during a parent’s recovery

Critical Illness Insurance

Pays Cash Benefits

When diagnosed with or treated for covered conditions, pays a lump-sum cash benefit; employee chooses how to use the cash

Additional Options:

  • Mortgage and Rent Helper – provides cash for housing expenses when missing work due to illness
  • Advocacy Package – offers personal and confidential support during illness

Life Insurance

Prepares for the Unexpected

Beneficiaries receive a cash benefit in the event of the insured’s death to help cover expenses such as:

  • Housing, rent, mortgage and general household costs
  • Credit card debt
  • Education
  • Childcare
  • Terminal illness or care
  • Funeral and burial

Universal and Term Life options available.


Disability Insurance

Provides Income 

Benefits paid to employees when they are disabled due to an accident or illness:

  • Unbundled coverage – sickness, or-on-off the job accident (in addition to what Workers’ Compensation would cover)
  • Plan Design – allows customization or elimination and benefit periods
  • Partial Recovery Benefit – covers a total disability if insured returns to work at less than 75% of previous earnings

See the respective policy or certificate for complete details. Product availability, benefits, including exceptions and limitations, may vary by state.

Visit us at Booth 1205 to learn more
(and get some fun giveaways!) at the
Leading Age Annual Meeting & Expo 2017!

SOCIAL MEDIA


CONTACT US NOW


518-478-5083       Kevin.Murphy@combined.com

COMBINED INSURANCE COMPANY OF AMERICA

HOME OFFICE: 8750 BRYN MAWR AVENUE
CHICAGO, IL 60631

COMBINED LIFE INSURANCE COMPANY OF NEW YORK

NEW YORK: 13 CORNELL ROAD
LATHAM, NY 12110

® 2017 COMBINED INSURANCE COMPANY OF AMERICA, ALL RIGHTS RESERVED
A CHUBB COMPANY

 

These policies have exclusions and limitations. For costs and complete details of the coverage, contact your insurance agent or the company. These accident, critical illness, and disability income policies 1) provide limited benefits; 2) are supplemental coverage and are not a substitute for Major Medical Coverage. Lack of Major Medical Coverage (or other minimum essential coverage ) may result in an additional payment with your taxes.

Products vary by state. Subject to availability and qualifications. Life, accident & sickness and disability insurance policies issued by Combined Insurance Company of America in all states, except New York. In New York, life, accident & sickness and disability insurance policies issued by Combined Life Insurance Company of New York. Combined Insurance Company of America is not licensed and does not solicit business in New York.



 

PRIVACY POLICY  |  TERMS OF USE