Combined Services LLC Combined Services LLC
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As a Combined Services LLC Producer, you will have a dedicated Representative that will work with you. Representatives are assigned by State. For your Combined Services LLC Representative's contact information, click above on the State your are licensed in or contact one of our sales offices below:
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Combined Services LLC
Combined Services LLC
Combined Services LLC
Combined Services LLC
Combined Services LLC
Combined Services LLC
Combined Services LLC
 
Combined Services LLC
We offer the following Products:
Group Products
Individual Products & Financial Services
Voluntary Group Products
Voluntary Individual Products
Flexible Benefits Administration
COBRA Compliance Administration
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Proposal Forms


Founded in 1975, Combined Services LLC is a wholly owned subsidiary of Fort Dearborn Life Insurance Company® (FDL). FDL is rated "A+" (Superior) by A.M. Best1 and "A+" (Strong) by Standard and Poor's2. The parent company of FDL, Health Care Service Corporation, a Mutual Legal Reserve Company, is one of the largest non-investor owned health insurers in the United States. Combined Services LLC offers a complete portfolio of employee benefit products and services including Group Life, STD, LTD and Dental on non-contributory, contributory and voluntary platforms. We also offer Voluntary/Individual products such as Life with Critical Illness Benefits and Accident products.

As General Agent for Northeast Delta Dental encompassing Maine, New Hampshire and Vermont, we offer outstanding Dental Benefit programs that are backed by a Guarantee Of Service Excellence Program. This guarantee of major areas of service is reinforced by a comprehensive group refund policy.

We also provide administrative services such as Flexible Benefits, HRAs and COBRA Compliance Administration.

Finally, Combined Services LLC offers an attractive producer bonus program that allows you to earn up to an additional 30% of your paid commissions for both new and renewal business. Annually, we offer an outstanding Leaders' Conference for our top producers.

1Affirmed November 1, 2007, A.M. Best rates the overall financial condition of a company based on a scale from A++ (Superior) to F (In Liquidation). 2For financial strength in its most recent report.

Contact a Sales Office:

New Hampshire

15 North Main Street, Suite 300
Concord, New Hampshire
03301-4945

Phone: 1 603 227-2000

Fax: 1 603 224-4256

Toll-Free: 1 888 227-9745
Massachusetts

140 Wood Road, Suite 304
Braintree, Massachusetts
02184-2508

Phone: 1 781 848-9966

Fax: 1 781 848-8554

Toll-Free: 1 888 249-9966

Combined Services LLC
Group Products
Product Carrier Market Size Features
Term Life, AD&D, Dependent Life, Supplemental Life Fort Dearborn Life 2+
Guarantee Issue
Accelerated Death Benefit
Seat Belt Benefit
Insured Benefit Account
Short-Term Disability Fort Dearborn Life 2+
Guarantee Issue
Partial Disability Benefit
Long-Term Disability Fort Dearborn Life 2+
Guarantee Issue
Partial Disability Benefit
Disability Management
Dental Delta Dental Plan of ME 5+
Participating Dentists
Service Guarantees
Local Claim Processing
Delta Dental Plan of NH 5+
Participating Dentists
Service Guarantees
Local Claim Processing
Delta Dental Plan of VT 5+
Participating Dentists
Service Guarantees
Local Claim Processing
New England Dental Administrators Self Insured Market
Third Party Administrator
Participating Dentists
Service Guarantee
Fort Dearborn Life
(CT and MA)
10+
National PPO Network
Customized Designs (25+)
Vision Avesis 10+
Insured and Network Access Programs
National Provider Network
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Individual Products & Financial Services
Product Carrier Market Size Features
Universal and Term Life American General 1
Low Cost
High Cash Accumulation
Annuitities Fort Dearborn Life 1
Fixed Annuities
Indexed Annuities
Dental Delta Dental Plan of ME 1
Participating Dentists
Service Guarantees
Local Claim Processing
Delta Dental Plan of NH 1
Participating Dentists
Service Guarantees
Local Claim Processing
Delta Dental Plan of VT 1
Participating Dentists
Service Guarantees
Local Claim Processing
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Administration Products
Product Carrier Market Size Features
Flexible Benefits &
HRA Administration
Combined Services LLC
Premium Conversion Only
2+
Document Drafting
Non-Discrimination Testing
Combined Services LLC
Premium Conversion and Reimbursement Accounts
Varies
Debit Cards
Non-Discriminating Testing
Local Claims Processing
Dedicated Claims Unit
Toll-Free Customer Service
Combined Services LLC
Section 132- Travel
Varies
Field Assistance
Toll-Free Customer Service
COBRA Compliance Administration Combined Services LLC 20+
Per Occurrence Fee
Toll-Free Customer Service
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Voluntary Group Products
Product Carrier Market Size Features
Term Life, AD&D Fort Dearborn Life 2+
Simplified Issue with no participation requirements
Guarantee Issue with 6+ employees or 25% minimum participation
No excluded industries
Short-Term Disability Fort Dearborn Life 2+
Guarantee Issue
No excluded industries
$750 weekly maximum
20 hour eligibility
No Participation Requirement
Long-Term Disability Fort Dearborn Life 2+
Guarantee Issue
No excluded industries
20 hour eligibility
Minimum Participation - 2 Enrollees
Dental Delta Dental Plan of ME 1+
No Participation Requirement
Participating Dentists
Service Guarantees
Delta Dental Plan of NH 1+
No Participation Requirement
Participating Dentists
Service Guarantees
Delta Dental Plan of VT 1+
No Participation Requirement
Participating Dentists
Service Guarantees
Fort Dearborn Life
(CT, MA and RI only)
2+
No Participation Requirement
2 Enrollees Minimum
Fee Schedule Program
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Voluntary Individual Products
Product Carrier Market Size Features
Life with Critical Illness Colorado Bankers Life 3+
Death Benefit
Critical Illness Benefit
Portable
Enrollment Support
Life (Cash Value) Boston Mutual Life 50+
Contingent Guarantee Issue
Whole Life
Portable
Enrollment Support
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Producer Proposal Request Downloads

Combined Services LLC CSLLC Request for Proposal

(134K)
Combined Services LLC Flexible Request for Proposal

(185K)
Combined Services LLC COBRA Request for Proposal

(136K)
Combined Services LLC Employer Census Template

(15K)
Combined Services LLC Request for Proposal Checklist

(148K)
Combined Services LLC New Business Checklist

(175K)

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Combined Services LLC
Combined Services LLC