Supporting Families.
Supporting Business.
Financial protection solutions to help your business and your employees thrive.
Why Partner with Combined, A Chubb Benefits Company?
Combined, part of the globally recognized Chubb family, delivers a comprehensive suite of voluntary benefits designed to fill gaps in your employees’ existing medical plans — helping them cover deductibles, copays, coinsurance, and unexpected expenses from accidents or illnesses.
Our solutions are backed by over $200 billion in assets and an A+ rating from AM Best, ensuring financial strength and long-term stability for your business and your employees.
Key Employer Advantages
Flexible Cost Options:
Offer benefits at little or no cost to your company. Choose between 100% employee-paid (voluntary) or employer-sponsored contributions, with the flexibility to decide your level of involvement.
Fill Benefit Gaps:
Our voluntary benefits supplement existing plans, protecting employees and their families from financial strain due to unexpected medical expenses or loss of income if disabled.
Cash Benefits Paid Directly:
Employees receive cash benefits to use for everyday living or out-of-pocket expenses, including accident, critical illness, disability, hospitalization, and life coverage.
Improve Morale & Retention:
Offering robust benefits can boost workplace morale, productivity, and loyalty, helping you attract and retain top talent.
Seamless Administration:
Premiums are handled through convenient payroll deduction, with a dedicated billing coordinator and professional claims support. Enrollment is easy with personal consultations, in-person or virtually, including support for new hires and annual enrollment.
Guaranteed Issue Products:
Valuable coverage at reasonable prices, with guaranteed issue options available for employees’ budgets.
Complimentary Value-Add Services:
Enhance your benefits package with free programs such as Combined Connections (access to daily deals), Combined Cares Prescription Discount Program (discounts on prescriptions, hearing care, diabetes supplies), telemedicine, ID theft protection, and accidental death & dismemberment insurance—available to any employee who meets with an enroller, at no cost to your organization.
Why Combined?
100+ Years of Expertise: Nearly 5 million policies in force, accredited by the Better Business Bureau, and trusted by thousands of businesses in the U.S. and Canada.
Chubb Financial Strength: The world’s largest publicly traded property & casualty company, ensuring your benefits partner is here for the long-term.
Personalized Support: We act as your Education, Benefits, and Enrollment Partner, helping employees understand and personalize their benefits, and providing ongoing local support.
Partner with Combined, A Chubb Benefits Company, to provide your employees with peace of mind, financial protection, and a benefits package that stands out — at little or no cost to your business.
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