Combined Insurance

Retired

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Combined Insurance offers two types of supplemental programs: Accident and Sickness. Combined’s Accident insurance covers you if you are hurt at home or work doing any activity, 24 hours a day, 365 days a year. Combined’s Sickness insurance pays directly to you for covered illnesses. Both types of insurance offer hospital confinement income as well as daily intensive care income.

Combined programs pay in addition to any other insurance,Workers Compensation, Social Security and the CCPOA Disability Benefits program.

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Enrollment and payment arrangements in Combined programs for Retired Chapter members are made directly through Combined.

The Trust does not offer enrollment materials or automatic premium deduction for Retired Members enrolled in Combined Insurance. 

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For more information on products offered through Combined Insurance, please contact:
Joe Gonsalves at 949-633-7001
or the Trust at 1-800-IN-UNIT-6

Combined Services
Joe Gonsalves,
CA Lic. OC28986
Regional Benefit Specialist
949-633-7001
btf_joe@yahoo.com

Combined Agents Direct Lines
Al Morgante	Central California	(559) 359-6772
Ken Marshall	Southern California	(949) 378-4572
Steve Wright	Santa Barbara Area	(805) 201-8875
Chris Goodes	Visalia Area	(559) 799-5910
Michael Marshall	Southern California	(708) 203-1628
Bob Walters	All of California	(510) 750-5275
Sam Kostich		(916) 798-7821
Karen Estabrook	Fresno Area	(562) 244-2970

What Does It Cost?

Accident: Policies start at $3.00/week. Policies include benefits for Hospitalization, Recovery, ICU, Medical Treatment and Accidental Death.

Sickness: Policies start as low as $8.00/month. Cost is based on age.

Check your Combined enrollment packet for information on filing a claim or contact Combined:
866-445-8865 or
Joe Gonsalves:
949-633-7001