Complaints

This profile includes complaints for Combined Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Combined Insurance Company

  Chicago, IL 60631

  
• 

  Combined Insurance Company of America

  711 Kapiolani Blvd Honolulu, HI 96813-5237

• 

  Mr. Peter Eskildsen, Combined Insurance

  Berkeley, CA 94708

• 

  Combined Insurance Company

  883 W Potomac Dr Salt Lake Cty, UT 84123-5566

• 

  Combined Insurance Company

  P.o. Box 91 Sullivan, WI 53178

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/12/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a letter from them. Asking me for money for some kind of insurance coverage. But when I called it is telling me it is a Spam call. But yet they have tried to bill my bank for this money. I tried to call a different number and I was on hold for 3 hours and no one still got back with me. They don't have a email address to send a complaint. 

  

  Business Response

  Date: 03/26/2025

  Please see attached response. 

• Initial Complaint

  Date:03/11/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been unsuccessful in trying to collect Life Insurance payout for my mother. I received her death certificate an opened the claim on 01/29/2025. On that day I was told to expect a packet in the mail ***** business days for me to fill out and send back the death certificate, as it could only be done by mail. On 02/10/2025-my 2nd phone call, I have not received any mail, email or phone call, was given a claim adjuster name, ******* ******-*******, was told she was reviewing the case. I asked if she had an email or phone # I could contact her, was told she has no contact information they could give me, but she would contact me. 02/19/2025- my 3rd phone call, no contact by adjuster in any form, was told my claim is still in review, and adjuster would contact me with any questions. Still haven't received paperwork or email asking for any documents (like death certificate). 02/26/2025- 4th phone call... was sent an email to upload the death certificate through the link the insurance sent, I did that. 03/05/2025- still no response in any form, spoke with ****, I was denied to speak with a supervisor as they would have same information. **** escalated claim for adjuster to contact me within 48 hrs.(no response) Signed into the website provided & uploaded death cert again, emailed a *** to respond with in 48hrs. 03/11/2025, no response, spoke with ******** who transferred me to *****, resolution officer, bad phone connection, could not hear complete sentences. ***** supposedly spoke with adjuster who said something was incomplete, but yet I have not been contacted by any person from the company asking for any documents or even any questions. (The policy #7CD56850 Claim# ********)

  

  Business Response

  Date: 03/22/2025

  Hello. Our response is attached for your review. Thank you.

• Initial Complaint

  Date:03/10/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased a whole family life insurance policy with Combined Insurance. It was for me and my husband and three children. ********* death benefit per person. I bought this policy in 2002. I had automatic deduction for my payments and was never late for 23 years. The policy kept going up in price through the years so about 6 years ago I called to see exactly what I was paying for. I was told it was life insurance for ********** ******* ******* ***** and ****** ********. So I kept it. My son **** passed away on 11/15/2024 at 33 years old. I called combine and they asked me to send the death certificate, which I did. I was denied because they say my children were no longer covered after age 23. I was never told this, 6 years ago they said we were all covered. I have been calling Combined Insurance since January of 2025 and telling my story to 5 different people and being transferred. I am told something different every time. I requested in writing on Feb 21, 2025 for a list of all my payments and when the kids were taken off. I still have not received it. I canceled the policy and asked for a reimbursement of overpayment. I received a check for a little under $ *****. I believe they owe me much more for my over payment. This has been absolutely a horrific experience to go through while grieving my son. I believe this company is being fraudulent.

  

  Business Response

  Date: 03/24/2025

  Please see Company's attached response.

  Customer Answer

  Date: 03/25/2025

   
  Complaint: 23045367
  
  I am rejecting this response because:  I have not received the payment History in the mail or by e-mail and they said they reimbursed me from when my youngest turned 23 in 2017.  What about my other 2 children turning 23?  I believe I have overpaid much longer than 2017. My oldest turned 23 in 2009 and my middle child who is now deceased should have come off in 2014.  
  
  Sincerely,
  
  ********* ********

  

  Business Response

  Date: 03/28/2025

  Our company's follow-up response is attached.

  Customer Answer

  Date: 04/02/2025

   
  Complaint: 23045367
  
  I am rejecting this response because:  I have still received no payment record or notice of when the kids were removed. The money I was sent did not include the 2 Children who turned 23 in 2009 and 2014!
  
  Sincerely,
  
  ********* ********

• Initial Complaint

  Date:02/28/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello! I have Short-term Disability from this Company through my job. I had Bariatric Sleeve surgery on the 5th of February and needed to apply for Disability. I have to be out a total of 6 weeks from work because I can't lift more than 25 Lbs and I'm a CNA and we have to lift way more than that. I started my Claim early so it wouldn't be any problems or hold up. I filed on Feb 11th and had all my paperwork in by the 15th of February. The Company is still giving me the run around on giving me any money since I been off. The Doctor had faxed them 2 times with my paperwork the first was detailed in the paperwork they sent for them to fill out letting them know I would be out for 2 weeks and the second was updated and sent to them on the 20th letting them know I need the additional 4 weeks because I'm not able to lift from the 2/20-3/19 when I would be discharged and able to get to full duty. I have talked to several Agents letting them know about the severity of my claim and informing them I have no money coming in at all and don't know how I'm suppose to pay my rent and bill's. Each person said they would escalate it and call me back and this was Mon and Tues and I called again today. The Agent I talked to on Mon said my Employer portion wasn't in and I let them know that's not correct they sent that on the 17th. Then they said the computer is freezing up they will call me back when it's working. That never happened. Then I called on Tues and they said they requested more Doctors info and Informed him that I have numerous stuff in from my Doctor he went and checked the paperwork and confirmed I was right inside and that he's going to take it to his Manager and call me back which never happened. I've heard nothing from them then I called today and I'm still getting the run around. There trying there best to not pay me while my Bills are piling up and I'm stressing myself out because I don't know what to do. I should be focused on healing.

• Initial Complaint

  Date:02/11/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  CLAIM ******** I am filing this complaint due to Combined Insurances unfair denial of my disability claim, excessive delays, lack of transparency, and poor communication regarding my medical records submission.:I became disabled on November 13, 2024, and submitted my claim paperwork on November 27, 2024.Months later, I requested a hardship review, and Combined Insurance informed me they needed my medical records due to my emergency reconstructive ********** medical provider advised me it would take 30 days to process the records, but a supervisor at Combined Insurance told me to request the records myself and upload them to their portal.I followed their instructions, uploaded my records, and waited weeks for an update. When I finally called for a status, I was told:They never received my records.Their portal was down indefinitely.I needed to print ***** pages and mail them instead.After mailing the documents, they requested additional paperwork from my doctor, delaying the process further.Despite submitting a surgeons letter, a letter from my PCP, and a letter from my therapistall confirming that my procedure was medically necessary as a reconstructive surgery due to infections, rashes, and mental health concernsCombined Insurance denied my claim.The denial letter did not explain why their medical reviewer determined my surgery was not medically necessary. Instead, they unilaterally classified it as cosmetic, disregarding my PCP, surgeon, and therapists professional medical opinions that this was a reconstructive procedure required for my ********* no point was I given an opportunity to speak with their medical reviewer or receive a detailed explanation of how they justified overriding the conclusions of my treating physicians and misclassifying my reconstructive surgery as elective.

  

  Business Response

  Date: 02/28/2025

  February 28, 2025                                                                        
  
  Better Business Bureau
  **************************************************************************************
  
  RE:          YOUR ID #********
  
  Dear BBB Customer Relations Representative:
  
  Thank you for your letters dated February 12th and February 26, ********************** Number referenced above.
  
  Please be advised that we forwarded your inquiry to our ***************** with the customers request to review the claim that was denied.  The ***************** requested additional medical records from the Doctor on 2/21/2025.  Once the additional records are received, the file will be referred to an Independent Medical Reviewed for consideration. The customer will then be contacted directly as soon as the reviewers report is received and claim determination is made. On February 24, 2025, the Adjuster contacted the customer by phone advising of the above. And on February 25th, we sent the customer a follow up letter explaining the same.  
  
  Due to privacy and as the release of policy information specifically regarding claims is strictly prohibited, we are unable to provide additional feedback to your office.
  
  Thank you for contacting us.
  
  Sincerely,
  
  
  Combined Life Insurance Company of ********
  Consumer Service Investigations
  Task ID #******

  Customer Answer

  Date: 03/03/2025

   
  Complaint: 22927241
  
  I am rejecting this response because:Combined Insurances response does not resolve my complaint. They continue to delay my claim by repeatedly requesting medical records they have already received.
  I submitted the required documentation, including:
  A letter from my surgeon confirming my procedure was reconstructive and medically necessary due to infections and skin complications.
  A letter from my primary care physician (PCP) supporting the surgery for ongoing infections and related health issues.
  A letter from my therapist addressing the impact on my overall well-being.
  Full medical records from my PCP detailing the infections, rashes, and medical history leading up to the procedure.
  Despite following their instructions, uploading records, and later mailing ***** pages of documents when they claimed their portal was down, they continue to stall by asking for more records instead of processing my appeal.
  Additionally, they have misrepresented my claim by focusing only on mental health concerns while ignoring the primary reason for my surgeryongoing infections and medical complications. Their classification of my procedure as cosmetic directly contradicts the professional opinions of my surgeon and PCP.
  Sincerely,
  
  **** *********

  

  Business Response

  Date: 03/10/2025

  March 10, 2025
  
  Better Business Bureau
  **************************************************************************************
  
  RE:          YOUR ID #********
  
  Dear BBB Customer Relations Representative:
  
  Thank you for your follow up letter dated March 4, 2025 regarding the additional information your Office received from the consumer involved in your ID Number referenced above.
  
  We forwarded your inquiry to our ***************** for further review and were advised that on March 5, 2025, the appeal review was concluded.  On March 5th, the ***************** contacted the customer by phone- left a detailed voicemail message advising of the appeal determination as well as mailed the Appeal Determination Letter on March 6th.  On March 7th,we sent a follow up letter to the customer, advising the same. 
  
  Due to privacy and as the release of policy information specifically regarding claims is strictly prohibited, we are unable to provide additional feedback to your office. Rest assured that this inquiry has been addressed accordingly.
  
  Thank you for contacting us.
  
  Sincerely,
  
  
  Combined Life Insurance Company of ********
  Consumer Service Investigations
  Task ID #******

• Initial Complaint

  Date:02/10/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have filed a claim over a month ago and I still haven't heard anything about it. I call about it and the person from another country tells me the same that they have been telling me. They said it would take 10 to 15 days to hear something and like I said it's been over a month ago. I wouldn't give this company a one star.

  

  Business Response

  Date: 02/25/2025

  February 25, 2025
  
  Better Business Bureau
  **************************************************************************************
  
  RE:          YOUR ID #********
  
  Dear BBB Customer Relations Representative:
  
  Thank you for your letter dated February 11, ********************** Number referenced above.
  
  Please be advised that our ***************** has reviewed the inquiry to your office,and we have contacted the customer directly by phone and mail. On February *******, the Adjuster called the customer- informed of the claim payment as well as the additional information that need to be submitted for review of additional benefits.  On February 20th, we sent the customer a follow up letter explaining the claim handling and benefit payment and reiterated the additional information that should be submitted for review of additional benefits. Rest assured that this inquiry has been addressed accordingly.
  
  Due to privacy and as the release of policy information specifically regarding claims is strictly prohibited, we are unable to provide additional feedback to your office.
  
  Thank you for contacting us.
  
  Sincerely,
  
  
  Combined Insurance Company of America
  Consumer Service Investigations
  Task ID #******
  

• Initial Complaint

  Date:02/03/2025

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been a customer for ***************************************** for 54 years. I have paid my premiums on time every time. Last year in July I suffered a DVT blood clot and was in the hospital for three days and off work for three weeks. i have a policy that pays for hospital stays, time off work, etc. I have filed a claim three times, and uploaded documentation from the hospital and the wound care that had been taking care of me and still have not been paid. I know what my policy covers, but I can't even get them to review the claim. I don't know if you can give me any advise or help on getting paid for a claim on insurance I have had with them for years or not, but any help would definitely be appreciated. I didn't realize they would not be here for me when I needed them, that is just bad business. Thank you.

  

  Business Response

  Date: 02/18/2025

  February 18, 2025
  
  Better Business Bureau
  **************************************************************************************
  
  RE:          YOUR ID #********
  
  Dear BBB Customer Relations Representative:
  
  Thank you for your letter dated February 4, ********************** Number referenced above.
  
  Please be advised that our ***************** has reviewed the inquiry to your office,and we have contacted the customer directly by phone and mail. On February ******, the Adjuster called the customer to inform of the status of the claim payment- that a request to expedite the final review of the claim payment was sent to the Reviewer. On February 10th,the additional check payment was sent to the customer.  On February 13th, we sent the customer a follow up letter explaining the claim handling and the additional benefit payment. Rest assured that this inquiry has been addressed accordingly.
  
  Due to privacy and as the release of policy information specifically regarding claims is strictly prohibited, we are unable to provide additional feedback to your office.
  
  Thank you for contacting us.
  
  Sincerely,
  
  
  
  Combined Insurance Company of America
  Consumer Service Investigations
  Task ID #******

  Customer Answer

  Date: 02/24/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. According to the response my claim was finally processed and I am supposed to be receiving payment for that claim according to the provisions of my policy. It has been 14 days since the business stated I would be receiving the payment I was entitled to, so I will just wait a little longer and see.  
  
  Sincerely,
  
  ***** ****

• Initial Complaint

  Date:01/27/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have had a Policy with Combined for 23 years for short term disability. I filed a Claim on November 22, 2024, for disability due to right ************. I supplied all Documentation requested. I am still waiting to get Paid. I have called approximately 15 times and keep getting told you will hear in two days. Last week I spoke to ****** ***** a customer relations representative who informed me he was escalating the issue, and I would hear back in 48 hours. As expected, 48 hours came and went with nothing completed on my claim. I again called today to find nothing has been done. I requested a supervisor ******* who told me it should have been resolved but hasn't. So, he is again escalating it which I have zero confidence in. Last time I filed a claim I had to contact your office to get paid then withdrew complaint. This seems to be a pattern. I depend on this money to live while recuperating, I shouldn't have to call these many times with no resolution. 

  

  Business Response

  Date: 02/07/2025

  February 7, 2025
  
  Better Business Bureau
  **************************************************************************************
  
  RE:          YOUR ID #********
  
  Dear BBB Customer Relations Representative:
  
  Thank you for your letter dated January 27, ********************** Number referenced above.
  
  Please be advised that our ***************** has reviewed the inquiry to your office,and we have contacted the customer directly by phone and mail. On January *******, the Adjuster processed the total benefits and called the customer on January 29th, to advise of the payment. On January 30, 2025, we sent the customer a letter advising of the claim handling and benefit payment, and apologized for any concern or inconvenience experienced regarding this matter.
  
  Due to privacy and as the release of policy information specifically regarding claims is strictly prohibited, we are unable to provide additional feedback to your office. Rest assured that this inquiry has been addressed accordingly.
  
  Thank you for contacting us.
  
  Sincerely,
  
  
  Combined Insurance Company of America
  Consumer Service Investigations
  Task ID #******

• Initial Complaint

  Date:01/25/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased this insurance Chubb Combined Insurance from a *** through Chubb Insurance. The *** never gave me any paperwork he said he was gonna email me my policy. Never received email. I called him numerous times he never called me back. Well in September 2024 unfortunately things happened and I had to submit a claim. My employer had no clue what he signed me up for we tried to contact the *** again and no returned call. In January 2025 I finally got a letter from Chubb so I filed a claim. I keep getting a run around, policy was suppose to go to email never, never received it in email. I noticed they canceled me, which once they made payment I intended to pay them. I tried to call, and email and I get no where to see the status of this claim. I am homeless currently due to lack of info I received and had no clue about policy or who it was through.

  

  Business Response

  Date: 02/07/2025

  Hello.  Please see the attached response letter regarding Complaint ID # ********. Thank you.

• Initial Complaint

  Date:01/15/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Filed a accident claim as a result of motor vehicle accident on January 17, 2024. Claim has not been paid. Has been accused of insurance fraud which has proven to be false; accused of submitting an altered social security award letter which was also proven to be false. All these malicious accusations were made to prevent from paying the claim. I have requested information and documents on a policy that issued with some similarities in name and birthdate in a different state but accusing me of being that individual with no evidence, so I want that information so that I can possibly a police report for identity theft which I gave a substantial amount of proof that in the past I had been a victim of identity theft. This has no bearing on my claim being honored. My medical records were sent to 3 independent medical reviewers without my signed consent which is a violation of *****. only signed releases for Combined to review my medical records. So federal law states I am entitled to the contact information for the three independent reviewers and any medical notes or files that they may have about me. Finally, an explanation on my why tax returns were requested which is not in my policy or requirement for claim payments. I have yet to receive that explanation. Finally, why was my social security award letter required when the disability is not a result of injury sustained in the claim and was told that I could not collect on the claim if I did not provide the letter was was accused of submitting an altered claim award letter. After the independent reviewer verified that my injuries were sustained due to an automobile accident not a recurrent disability its a year and Combined has not honored my claim but still continue to bill me monthly for disability premiums. The California Department of Insurance is also investigating and I will be filing a civil lawsuit if this matter is not resolved with payments and all requested information in the near future.

  

  Business Response

  Date: 01/29/2025

  January 29, 2025                             
  
  Better Business Bureau
  **************************************************************************************
  
  RE:          YOUR ID #********
  
  Dear BBB Customer Relations Representative:
  
  Thank you for your correspondence dated January 15, 2025 regarding the inquiry your office received from our  customer as referenced in your ID Number shown above.  We note that the customer also mentioned her related claim complaint with the CA Department of Insurance and conveyed her concerns with the overall handling of the claim.
  
  Please be advised that our ***************** has reviewed the inquiry to your Office and we have contacted the customer directly. 
  
  Due to privacy and as the release of policy information specifically regarding claims is strictly prohibited, we are unable to provide additional feedback to your office. Rest assured that we have addressed the customers inquiry accordingly.
  
  Thank you for contacting us.
  
  Sincerely,
  
  
  Combined Insurance Company of America
  **************** Investigations
  Task ID #******

  Customer Answer

  Date: 01/29/2025

   
  Complaint: 22813753
  
  I am rejecting this response because:
  
  They have not answered any of my questions written.  
  Sincerely,
  
  ****** Marie *****

  

  Business Response

  Date: 01/31/2025

  January 31, 2025                             
  
  Better Business Bureau
  **************************************************************************************
  
  RE:          YOUR ID #********
  
  Dear BBB Customer Relations Representative:
  
  Thank you for your January 29, 2025 follow up correspondence regarding the customers rejection of our letter to your Office.
  
  Per our January 29, 2025 letter to your Office, we stated that have contacted the customer directly. We would note that the Adjuster sent a letter dated 1/22/2025 to the customer addressing the claim handling, in detail.  Due to privacy reasons, the customer should send all communication regarding the claim directly to the ******************  
  
  Thank you for contacting us.
  
  Sincerely,
  
  Combined Insurance Company of America
  **************** Investigations
  Task ID #******/******

  Customer Answer

  Date: 02/03/2025

   
  Complaint: 22813753
  
  I am rejecting this response because:
    They have already received the information from the providers who agreed that my disability is a result of an automobile accident back in December and furthermore they never gotten written authorization from me to provide these independent reviewers my medical records also I have asked for the names contact information and a copy of the reports from each independent medical reviewer which they have yet to provide me.  Combined no longer has to respond I'm going to take a different course now. 

  Sincerely,

  
  ****** Marie *********