Fort Dearborn Life Insurance Company of New York® - offers both employer-paid and voluntary group insurance products designed to improve the quality of employee benefit programs along with value-added services that provide unique solutions for the employer and the employee. Fort Dearborn Life Insurance Company of New York also provides flexible solutions to meet New York's Disability Benefits Law as well as options that give employees additional income protection.

COBRA Compliance Administration - Combined Services LLC has been providing this service since 1982. Our COBRA program reduces Employers' administrative burdens and insures that Federal guidelines of COBRA administration are met.

Health & Dependent Care Flexible Spending/Premium Conversion/Health Reimbursement Accounts - Combined Services LLC offers an array of Flexible Benefits Plans to fit your needs. These pre-tax plans defined via sections 125, 105, 129 and 132 of the IRS Code are designed to save employees money. Studies have shown that these plans are the most under-utilized tax saving programs. Combined Services LLC can help you educate your clients and their employees so that they can take advantage of these great programs.