What Does Combined Do?
Combined Insurance through the Trust pays cash direct to you. On-the-job. Off-the-job. Any time. Any day. No activity excluded. Starting on Day One.
What is Combined?
Good question. Combined Insurance is a supplemental policy that helps cover the “money gap” left from any other coverage you may have. Combined pays cash DIRECTLY TO YOU or to whomever you choose, and PAID IN ADDITION to benefits provided by any other insurance policy, workers compensation, or social security.
This is money you can use however you see fit. Groceries. Car payment. Mortgage or rent. School. You get the picture. Health insurance may pay the doctor, but it does nothing towards your other bills.
WHAT ABOUT GOLD SHIELD?
Combined works in addition to Gold Shield, and together that’s a strong 1-2 punch.
How Does It Work?
Combined has two kinds of coverage, accident coverage and an injury/sickness income program. Each is separate coverage, but both work in a similar fashion, both designed to pay you cash benefits to help when you are injured or sick.
WHAT’S NEW IN ACCIDENT CHAMPION?
- Follow-up Visit Coverage
- Rehabilitation Package
- Therapy Visits Covered (Up to 10 visits)
- Sports Package Benefit Available for the Family
- Transportation Benefit (Ambulance, Medivac)
- Many additional enhancements starting on day one
WHAT’S NEW IN THE SICK PAY PLUS PLAN?
- No Longer Required to Collect Disability Income:
- Overnight Stay as Inpatient
- Outpatient Surgery
- 0 day Elimination Period
- 6 month Benefit Period
- Available for Spouse
- Pays if a doctor certifies you are unable to work, due to any injury or illness.
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.
Check your Combined enrollment packet for information on filing a claim or contact Combined: 866-445-8865 or
Joe Gonsalves: 949-521-4267
Regional Benefit Specialist
CA Lic. 0C17875
Who Can Apply?
Rank and File; Supervisor; Retired
What Does It Cost?
Coverage for Accident Champion comes in two tiers. Basically if you want to save a little money you can by the lower tier coverage for less cost. This means you can have accident coverage starting at less than $4 a week.
Pricing for the Sick Pay Plus coverage varies by age, and includes “good health” discounts that lower your monthly payment.
Download the Rates and Coverage brochure for complete details.
Accident Champion: Policies start under $4.00/week. Policies include benefits for Hospitalization, Recovery, ICU, Medical Treatment and Accidental Death.
Sick Pay Plus: Policies start as low as $39.00/month. Cost is based on age+good health discounts.