Business Groups

With past acquisitions and the formation of new insurance service groups, Combined offers a broad range of products and services to meet the insurance needs of individuals and groups.

Additionally, we are partnering with other companies that compliment our services and align with our goals and objectives.

By leveraging the expertise of all these groups we are able to provide the products that address the needs of our policyholders

• Combined Insurance Select Programs
• BeneTrax
• Employee Benefit Communications (EBC)

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Combined Insurance Select Programs
Combined Select Programs (CSP), a business unit of Combined Insurance Company of America, offers Blanket and Group Accident & Health insurance products to meet the needs of university students, employer group and other specialty groups.

We emphasize the importance of relationships.
Through the strength of broker, agent and program manager relationships, CSP delivers a high level of service to our clients and customers. This dedication to service is at the core of our relationships, something we and our policyholders highly value.

We deliver customized solutions.
Offering private label products to program managers has differentiated us in the marketplace and enabled us to be a key player in the products we offer.

Our products include:

• University Health
• Student Accident
• Foreign Visitor Medical
• Individual and Short Term Medical Coverage
• AD&D
• Dental & Vision
• Disability
• Employer Stop Loss

Our ability to react quickly and recognize new opportunities has been the key to our success and we expect to continue making strong contributions to our partners, both inside and outside of Combined.

For more information on our products or services, please call (212) 901-1900.

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BeneTrax
BeneTrax, a division of Combined Insurance Company of America, is a fully integrated, easy to use benefit information system bridging payroll and human resources data in determining total compensation costs.

BeneTrax's customized benefit statements, human capital cost analysis and virtual compensation software enables businesses to track, display and communicate human capital investment data – essential in assessing a company's total salary and benefits costs.

Additionally, BeneTrax software enables companies to produce complete compensation reporting, an effective tool in today’s competitive marketplace.

You can find more information regarding BeneTrax solutions at www.benetrax.com or call our office at: (775) 329-2363.

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Employee Benefit Communications
Employee Benefit Communications, Inc. (EBC), a subsidiary of Combined Insurance Company of America, is the top voluntary benefit enrollment firm in the United States.

EBC is comprised of a nationwide network of implementation and enrollment professionals who work with companies and organizations to match employee benefit needs with employer's desire to provide comprehensive benefits.

Together with the employer, EBC works to establish the foundation for a successful enrollment strategy.

Each enrollment is customized according to the desired program(s) the employer wishes to implement for their employees. An EBC professional works with the appropriate client contacts to implement the program while ensuring minimum disruption to the daily business activities.

For more information about EBC's enrollment solutions visit us at www.ebcfl.com or call our office at (813) 639-0099.

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© 2005 Combined Life Insurance Company of New York.