Combined Insurance through the Trust
pays cash
direct to you.
On-the-job. Off-the-job. Any time.
Any day. No activity excluded.
Coverage Kicks In:
• Any outpatient surgery. (Even one stitch
counts.)
or• Any fracture.
or• Confinement to the hospital overnight as an
inpatient.
Starting on Day One.
This is paid in addition to any other benefits provided by any other insurance policy, workers compensation or Social Security.
What is Combined?
Good question. Combined Insurance is asupplemental 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.
HOW DOES IT WORK?
Combined has two kinds of coverage, Accident and Sickness. Each is separate coverage, but both work in a similar fashion. Just like the name says, one pays benefits for loss from accident, the other from sickness.
IS COMBINED AFFORDABLE?
Coverage for both plans comes in two levels, half-unit and full-unit. Basically if you want to save a little money you can by half the benefit for half the cost. This means you can have Accident coverage for as low as $3 a week.
Pricing for the Sickness coverage varies by age, but is also available in half and full levels.
WHAT ABOUT GOLD SHIELD?
Combined works in addition to Gold Shield, and together that’s a strong 1-2 punch.
WE DO COVER YOU BY:
• Being struck, knocked down, or runover.
• Driving or riding in ANY automobile, bus, taxicab, truck, or any farm machinery!
• We EVEN cover you on a motorcycle, bicycle, in a boat or ANY
recreational vehicle. • Flying or riding in ANY aircraft
(private or commercial).
• At the hands of ANY burglar, robber, or by personal assault.
• We cover you by drowning. • Fire or smoke inhalation. • Hunting, fishing, or camping, while
participating in ANY sporting event or recreational activity.
• In other words, regardless of your trade or profession, we cover you if you are hurt
AT HOME, AT WORK, AT PLAY OR ANY ACTIVITY WHATSOEVER
24 HOURS A DAY... 7 DAYS A WEEK... 365 DAYS A YEAR.
Coverage Highlights Inside!
Combined Insurance is an official partner of the CCPOA Benfit Trust Fund. Their benefit representatives visit Institutions
Combined ACCIDENT Coverage
HALF UNIT
$3.00 WEEK BENEFITS AND COVERAGE $6.00 WEEKFULL UNIT
$50.00 A DAY $1,500.00 A MONTH
Should any accident require CONFINEMENT IN A HOSPITAL overnight as an inpatient, we
pay beginning with the very first day. Or if you wish to, you can do as most people
do and take the Full Unit and receive a wonderful income month after month after
month... even for the rest of your life while confined in a hospital.
$100.00 A DAY $3,000.00 A MONTH $750.00 PER ACCIDENT
Should you be confined in an INTENSIVE CARE UNIT one day or more from any
accident, we will pay an additional lump sum benefit.
$1,500.00
PER ACCIDENT
JUST A REMINDER: TO COLLECT BENEFITS FOR HOSPITAL CONFINEMENT OR INTENSIVE CARE, YOU MUST BE CONFINED.
Part 1:
In The Hospital
Part 2:
Recovery Income
Part 3:
Medical Treatment
$75.00 PER ACCIDENTIf, because of any accident, you require EMERGENCY TREATMENT at a hospital emergency room within 48 hours of the
accident, we pay a benefit of...
$150.00 PER ACCIDENT $25.00 PER ACCIDENT
In addition to all of this, for minor injuries such as cuts, burns, or bruises caused by any accident, we will even pay an income benefit for TREATMENT BY A PHYSICIAN at a hospital, doctor’s office, clinic or elsewhere.
$50.00 PER ACCIDENT UP TO $750.00 A MONTH (6 MONTHS MAXIMUM)
NOW, HERE IS SOMETHING THAT YOU WILL FIND IN VERY FEW POLICIES AVAILABLE TODAY.
FOLLOWING HOSPITAL CONFINEMENT overnight as an inpatient, OUTPATIENT SURGERY, or treatment for FRACTURES, there is usually a recovery period. Should that happen, we will continue to pay you an income at home, while you are totally disabled, for up to six (6) consecutive
months. UP TO $1,500.00 A MONTH (6 MONTHS MAXIMUM)
THIS RECOVERY BENEFIT IS PAYABLE TO YOU WHILE YOU’RE RECOVERING AT HOME OR ANYWHERE!
In order to help protect against higher costs, both premiums and benefits
increase 5% each year for the first ten years your policy is in force, up to a maximum increase of 50% from the original amounts .
This policy is absolutely
NON-CANCELLABLE, GUARANTEED RENEWABLE for the REST OF YOUR LIFE...
That means your right to renew this policy is guaranteed for your lifetime as long as the scheduled premium is paid.
We CANNOT CHANGE THE PREMIUMS SHOWN IN THE SCHEDULE OF,PREMIUMS AND BENEFITS and WE CANNOT CANCEL YOUR POLICY regardless of your age,
health condition, or the number of claims you file .
HALF UNIT
$13.00 MONTH
$3.00 WEEK
THE ENTIRE COST IS ONLY
FULL UNIT $26.00 MONTH $6.00 WEEK
Part 5:
Inflation Fighters
$25,000And as an ADDED FEATURE to this coverage ... If you sustain an injury, which results in the LOSS of your LIFE, SIGHT in both eyes or
multiple LIMBS, we would pay an amount of...
$50,000
$12,500
If an injury results in the loss of one limb or the loss
of sight in one eye, we would pay an amount of...
$25,000
ONLY ONE BENEFIT AMOUNT, THE HIGHEST, WILL BE PAID FOR MULTIPLE INJURIES RESULTING FROM ONE ACCIDENT AND LOSS MUST OCCUR WITHIN 180 DAYS FROM THE DATE OF THE ACCIDENT THAT CAUSED THE INJURY.
Part 4:
AD&D Benefit
What it Covers & What it Costs
SICKNESS MONTHLY PREMIUMS
ISSUE AGE HALF UNIT FULL UNIT
6 mos.-19 yrs $ 8.50 $17.00 20-34 $14.00 $28.00 35-44 $19.50 $39.00 45-54 $27.00 $54.00 55-59 $37.00 $74.00 60-64 $44.00 $88.00
Of course, PRE-EXISTING CONDITIONS ARE NOT COVERED DURING THE FIRST YEAR YOU HAVE THIS POLICY. “Pre-existing condition” means a bodily illness or disease which was diagnosed or treated by a physician within the 12 months preceding the issue date of the policy.
However, we do cover you for ANY OTHER SICKNESS starting immediately. Take for example: Appendicitis, Ulcers, Gall Bladder, Respiratory, Kidney Problems, and Pneumonia or more serious conditions such as Cancer, Stroke, or Heart Trouble.
Part 2:
HOSPITAL CONFINEMENT INCOME BENEFIT
$50.00 A DAY $1,500.00 A MONTH
Should any covered sickness require confinement in a hospital overnight as an inpatient, we pay $50.00 a day starting with
the very first day, or $1,500.00 a month. Or if you wish to, you can do as most people
do and take the Full Unit and receive a wonderful income of $100.00 a day while hospitalized. In other words, up to $3,000.00 a month... month after month after month… even for the rest of your life while confined in
a hospital. $100.00 A DAY $3,000.00 A MONTH $100.00 A DAY
DAILY INTENSIVE CARE INCOME BENEFIT
In the event of a serious sickness it is sometimes necessary to be confined in an
intensive care unit. Should this occur, for each day you are confined in an intensive care unit, we will pay an additional benefit of $100.00 a day on the Half Unit; $200.00 a
day on the Full Unit.
$200.00
A DAY
JUST A REMINDER: TO COLLECT BENEFITS FOR HOSPITAL CONFINEMENT OR INTENSIVE CARE, YOU MUST BE CONFINED.
Combined SICKNESS Coverage
HALF UNIT BENEFITS AND COVERAGE FULL UNIT
$50.00 PER SICKNESS
If, because of a covered sickness, you require emergency treatment at a hospital
affiliated emergency care facility we pay a benefit of $50.00 for each sickness on the
Half Unit; $100.00 on the Full Unit.
$100.00
PER SICKNESS
Part 1:
What it Covers & What it Costs
Part 4:
Inflation Fighters
Part 3:
TOTAL DISABILITY INCOME FOLLOWING
HOSPITAL CONFINEMENT OR OUTPATIENT SURGERY
$25.00 A DAY UP TO 6
MONTHS
NOW, HERE IS SOMETHING THAT YOU WILL FIND IN VERY FEW POLICIES AVAILABLE TODAY. Following hospital confinement overnight as an inpatient, or outpatient surgery; there
is usually a recovery period. If, because of covered sickness, you are continuously
totally disabled beginning within 30 days following a period of confinement in a hospital for which benefits are payable under Section B for such sickness, or outpatient surgery; we will pay you, while
you remain totally disabled for up to a maximum of 6 consecutive months.
$50.00
A DAY UP TO 6 MONTHS
THIS RECOVERY BENEFIT IS PAYABLE TO YOU WHILE YOU’RE RECOVERING AT HOME OR ANYWHERE!
In order to help protect against higher costs, both premiums and benefits
increase 5% each year for the first ten years your policy is in force, up to a maximum increase of 50% from the original amounts . This policy is absolutely NON-CANCELLABLE, GUARANTEED RENEWABLE to
age 75 at which time it terminates.
We CANNOT CHANGE THE PREMIUMS SHOWN IN THE SCHEDULE OF,PREMIUMS AND BENEFITS and WE CANNOT CANCEL YOUR POLICY regardless of your age,
Remember, if you don’t see
the Towers,
you don’t have the Trust.
Run by COs for COs.
Accept No Substitutes.
Don’t put it off
To find out more about Combined
Insurance, or to apply contact
Benefit Trust Representative:
Joe Gonsalves
949-521-4267
or
949-633-7001
joseph.gonsalves@combined.com
Don’t
Duck
Around
CCPOA Benefit Trust Fund
1-800-In-Unit-6 | www.ccpoabtf.org
Get to know
Combined.
Sooner
is better.
We’ve Got You Covered.
1-800-In-Unit-6
1-800-468-6486
CCPOA
Benefit Trust Fund
2515 Venture Oaks Way, Suite 200 Sacramento, CA 95833-4235