[en] The objective of this paper is to present a method for a load-combination analysis. To keep the analysis mathematically tractable so as to gain insight into the problem, the loads are modeled as either Poisson square wave or filtered Poisson process. Parameters considered include load occurrence rate, intensity variation, duration of each occurrence and simultaneous occurrence of different loads (coincidence). The probability distribution and first two moments of the maximum of the combination of two or more load parameters. Comparisons are made with some of the existing stochastic combination analyses. The numerical results agree well with Monte-Carlo simulation. It is found that at the extreme tail of the distribution (low-risk level) loading coincidence plays a dominant role and serious underestimate of the risk would result if not considered. In this regard, the implication of exclusion of simultaneous occurrence of some of the severe environmental loads in the current load combination method (e.g. severe winds and earthquakes) at low-risk level is examined. Also, the load-combination formula based on a constant load reduction factor (e.g. in current building codes) are not risk-consistent i.e. depending on the relative magnitude of the individual load effects, it may seriously under- or overestimate the combined effect. In view of this formulation of design criteria based on 'acceptable risk', e.g. based on use of a chosen fractile value of the lifetime maximum combined effect is suggested