Your supplemental health insurance is deductible as a medical expense on Schedule A, Itemized Deductions, for Form 1040. You can deduct the amount that exceeds a certain percentage of your adjusted gross income, or AGI, and that depends on your age during the year.

Syncope is a result of stress experienced by nurses - **Overexertion and bodily injuries**: Nurses often have to lift, move, or reposition patients, which can cause strain on their muscles, joints, and spine. These injuries can lead to chronic pain, disability, or reduced work capacity¹²³. - **Falls, slips, and trips**: Nurses may encounter wet floors, cluttered hallways, or uneven surfaces in nursing homes, which can increase the risk of falling or tripping. These accidents can result in fractures, sprains, bruises, or concussions¹²³. - **Violent injuries by people or animals**: Nurses may face aggression or violence from patients, visitors, or co-workers in nursing homes. This can include physical assaults, verbal threats, or bites from animals. These injuries can cause physical and psychological harm, such as cuts, bruises, infections, or post-traumatic stress disorder¹³. - **Accidental needlesticks and equipment injuries**: Nurses may accidentally prick themselves with needles or sharp objects while administering injections or drawing blood from patients. They may also injure themselves with medical equipment, such as scissors, scalpels, or syringes. These injuries can expose nurses to bloodborne pathogens, such as hepatitis B, hepatitis C, or HIV¹³. - **Transportation injuries**: Nurses may have to travel between different locations in nursing homes, such as patient rooms, offices, or laboratories. They may also have to transport patients or equipment using vehicles, such as cars, vans, or ambulances. These activities can expose nurses to traffic accidents or collisions, which can cause injuries such as whiplash, head trauma, or broken bones¹³. - **Exposure to harmful substances or environments**: Nurses may come into contact with hazardous chemicals, drugs, radiation, or biological agents while working in nursing homes. They may also work in extreme temperatures, noise levels, or lighting conditions. These exposures can cause injuries such as burns, allergies, poisoning, cancer, or hearing loss¹³. - **Infectious diseases**: Nurses may contract various infectious diseases from patients or contaminated surfaces in nursing homes. These diseases can include influenza, tuberculosis, coronavirus (COVID-19), methicillin-resistant Staphylococcus aureus (MRSA), or Clostridium difficile (C. diff). These diseases can cause symptoms such as fever, coughing, diarrhea, or vomiting²³. - **Stress-related illnesses**: Nurses may experience high levels of stress while working in nursing homes due to heavy workloads, long hours, emotional demands, ethical dilemmas, or lack of support. This stress can affect their mental and physical health and lead to illnesses such as anxiety disorders², depression², burnout², insomnia², hypertension², cardiovascular disease², or diabetes². - **Back injuries**: Back injuries are a common type of overexertion injury among nurses who work in nursing homes. According to a study by the American Journal of Critical Care (AJCC), back injuries affect nearly 38 percent of nursing staff². Back injuries can result from lifting heavy objects (such as patients), bending awkwardly (such as when changing bed sheets), twisting excessively (such as when turning patients), or maintaining poor posture (such as when sitting at a desk)². - **Musculoskeletal disorders (MSDs)**: MSDs are a group of conditions that affect the muscles, tendons, ligaments, nerves, joints, or bones of the body. MSDs are often caused by overuse (such as repetitive motions), misuse (such as improper techniques), or abuse (such as excessive force) of the body parts involved. MSDs are common among nurses who work in nursing homes and can affect various body regions such as the neck², shoulder², elbow², wrist², hand², hip², knee², ankle², or foot². MSDs can cause pain (such as low back pain), stiffness (such as frozen shoulder), inflammation (such as tendinitis), numbness (such as carpal tunnel syndrome), weakness (such as rotator cuff tear), or deformity (such as bunion)². Source: Conversation with Bing, 9/27/2023 (1) Occupational injuries and illnesses among registered nurses. https://www.bls.gov/opub/mlr/2018/article/occupational-injuries-and-illnesses-among-registered-nurses.htm. (2) 4 Most Common Nursing Injuries: Workplace Hazards in Healthcare. https://nursa.com/blog/4-most-common-nursing-injuries-workplace-hazards-in-healthcare. (3) The 6 Most Common Nursing Injuries in the U.S. | Unitek College. https://www.unitekcollege.edu/blog/most-common-nursing-injuries/.

Chubb is our parent company! -No medical examination -You get on and off the job coverage -Cash paid to you directly -Covers you internationally -You own it and it follows you wherever you go even if you change jobs or live to another state -Paid on top of your other benefits such as sick days, workers compensation, Unum, Colonial, Metlife, Transamerica, 1199, Farmington, Aflac, V.I.P and the assault grant. -Get paid when you go to ER or Hospital affiliated urgent care for any injury or illness

INSTRUCTIONS 1. Create your account in Policy Holder Portal portal 2. Take a picture of all your discharge papers (ambulance, emergency room, follow-up visits with doctors and statement saying how long you been and will be out of work.) 3. Download claims form from link I sent abover Claim Form link and have all sections filled it out to be submitted according to below. ( Sometimes if you are hospitalized or have a sickness or surgery Combined may request the last 5 year histories from the primary care physician, so be prepared to fulfill this information or have your doctor beat them to the punch by providing information early or telling them that this condition has no precedent) Section A filled out by claimant (you) Section B fillef out by claimant (you) *Fill out for the type of claim you are filing -Accident -Sickness -Accident & Sickness -Disability Section C filled out by employer (HR or Supervisor) Section D filled out by attending physician, (ER physician, surgeon or PCP) Fill out information release and sign. Fill and sign for electronic payment 4. Upload all documents to portal or to the APP(send copies to me to review and fax in as a redundancy) IMPORTANT!!! Make sure dates from the job in Section C matches doctor’s date in Section D, must include letterhead from doctor that states you are totally disabled with definitive dates! No "est" no "N/A" in any date response field. *having problem? call me to walk you through it after the above steps have been taken

HOW TO SIGN UP FOR COVERAGE WITH OVER THE PHONE DIGITAL SIGNATURE I would need to input all your info... This is what I need to begin your application Name Phone Number DOB Email Address Resident Address Height Weight PCP Beneficiary Did you have any need or advice for surgery in the last 12 months? In the last 5 years have you had any medical advice treatment or Prescription medication for cancer diabetes heart attack stroke or any other heart condition? BANK NAME A checking account and routing number is needed for a once a month payment to give you protection for many years to come.

Here are some tips for New Policy Holders: * Understand Your Coverage: Take time to read through your policy documents thoroughly. Don't hesitate to ask your insurer to clarify any confusing language or exclusions. * Know Your Rights and Responsibilities: As a policyholder, you have certain rights, such as the right to file a claim and the right to appeal a denied claim. You also have responsibilities, such as paying your premiums on time and disclosing all relevant information when applying for coverage. * Keep Important Documents Safe: This includes your policy documents, proof of coverage, and any claim correspondence. * Review Your Coverage Regularly: Your needs and circumstances may change over time, so it's important to review your coverage regularly to ensure it still meets your needs. * Don't Be Afraid to Ask Questions: If you have any questions about your policy or how to file a claim, don't hesitate to contact your insurer. Check your bank regularly to make sure payments are up to date and being paid to ensure coverage is active. Request and review your policy to know what it covers and dont cover  Make sure insured and  beneficiaries information is complete to avoid delay in the releasing of benefits

Here's a comprehensive summary of all three products working together: COMBINED PRODUCTS OVERVIEW: 1. Accident Protector (Accident-Only Coverage) Key Benefits: - Hospital Confinement: $150/day - Intensive Care: $5,000 per accident - Emergency Room: $100 (+ $25 x 4 follow-up visits) - Ambulance: $100 ground/$500 air - Surgery: $250 minor/$1,000 major - Fractures: $250 minor/$1,000 major - Physical Therapy: $25/session (up to 10) - Death Benefits: Up to $100,000 (common carrier) 2. Accident & Sickness Protector Key Benefits: - Hospital Confinement: $165/day - Intensive Care: $1,250/day - Emergency Room: $200/visit (max 4/year) - Surgery: $1,000 major/$100 minor - Family coverage available at 50-100% of benefits 3. SickPay Plus - Monthly Benefit: $1,500 - Duration: Up to 3 months - Starts: Day one of inability to work - Total Maximum Benefit: $4,500 (3 months) HOW THEY WORK TOGETHER (SCENARIOS): Scenario 1 - Major Accident (like a car crash): - Accident Protector pays: * $5,000 for intensive care * $150/day hospital stay * $500 for air ambulance * $1,000 for major surgery - Accident & Sickness Protector adds: * $165/day additional hospital benefit * $1,250/day additional intensive care - SickPay Plus provides: * $1,500/month income replacement * Up to 3 months of support Scenario 2 - Illness (like pneumonia): - Accident & Sickness Protector covers: * $165/day hospital stay * $200 emergency room visit * $1,250/day if intensive care needed - SickPay Plus provides: * $1,500/month while unable to work * Up to 3 months of income support Scenario 3 - Minor Injury (like a broken arm): - Accident Protector pays: * $100 emergency room * $250-$1,000 for fracture * $25/session for physical therapy - Accident & Sickness Protector adds: * $200 additional emergency room benefit - SickPay Plus provides: * $1,500/month if unable to work KEY ADVANTAGES OF COMBINING: 1. Multiple benefit streams for accidents 2. Coverage for both accidents AND illness 3. Short-term income replacement 4. 24/7 protection on/off job 5. Benefits paid directly to you 6. Portable between jobs 7. Can be used with other insurance IMPORTANT NOTES: - All are supplemental insurance, not major medical replacements - 90-day claim filing requirement - Pre-existing conditions have waiting periods - Each policy has specific exclusions - SickPay Plus requires physician care - Benefits can stack from multiple policies - Family coverage options available on some benefits This three-policy combination provides comprehensive protection covering: - Accident-specific benefits - Hospital/medical expenses for both accidents and illness - Short-term income replacement - Accidental death benefits - Follow-up care coverage

**You did not have to pay back money. That is paid out to you from your policy.** ACCIDENT PROTECTOR pays you in 28 different ways if you are injured on or off the job or internationally. You keep this policy with a locked in rate until age 99. You own it, and it follows you to every job, every state, and its good for any emergency room or urgent care affiliated with a hospital. https://drive.google.com/file/d/1gCdEIu49wtpSaEC5mkU-ivJciZwNUr97/view?usp=drivesdk ACCIDENT SICKNESSPROTECTOR - Protector pays you in 4 different ways if you are sick on or off the job or internationally. You keep this policy with a locked in rate until age 85 You own it, and it follows you to every job, every state, and its good for any emergency room or urgent care affiliated with a hospital. https://drive.google.com/file/d/1Yv979KIpvQqTJjetyzv4HskgxHNHzbWn/view?usp=drivesdk SICKPAYPLUSS- pays you $1500 a month for 3 months if you are injured on or off the job or internationally. You keep this policy with a locked in rate until age 72. You own it, and it follows you to every job, every state, and its good for any emergency room or urgent care affiliated with a hospital. https://drive.google.com/file/d/1aL-GbYdR-Bw1XXjqLQyg5an9e6HoTfth/view?usp=drivesdk FUN FACT! Getting a small Final Expense Whole Life insurance policy of $30k could save your family from an embarrassing GoFundme. You can also consider an additional $100k in Whole Life Insurance that builds cash value that you can borrow on to buy a new car or a home. https://drive.google.com/file/d/1fI0FrdkteCOfpqvTMrARco7XcUkNCzaC/view?usp=drivesdk GOT A FAMILY HISTORY OF CANCER, HEART DISEASE , KIDNEY DISEASE OR ANYTHING THAT IS CONSIDERED A CRITICAL ILLNESS.? received $100k upon diagnosis and you do what you want with the money. https://drive.google.com/file/d/1iaABuGnDFK4kjrBTz15c6TiyTnR9L4ge/view?usp=drivesdk https://poplme.co/pl0wfW8f/share

The whole life insurance policy has a total value of $350,000 BUILDS CASH VALUE $100,000 is the face value of the policy which accumulates cash value after 2 years allowing you to borrow on it when the need arrives LIVING BENEFIT it includes an accelerated death benefit that you get you up to $75,000 of your money up front if diagnosed with a terminal illness with one year to live. You use the money how you want. DOUBLE PAY OUT ACCIDENTAL DEATH it has an accidental death benefit rider which doubles the face value of your policy of $100,000 to $200,000 in caase of an accidental death TERM INSURANCE RYDER and then you get to choose up to $1500,000 in Term insurance to age 65 For a total policy value of $350,000 THE PRIMARY TAX ADVANTAGES OF WHOLE LIFE INSURANCE ARE: * Tax-Free Death Benefit: * The most significant benefit: When you die, the death benefit paid to your beneficiaries is generally not subject to income tax. This allows your loved ones to receive the full amount of the benefit without having to pay taxes on it. * Tax-Deferred Growth of Cash Value: * The cash value within the policy grows tax-deferred. This means you don't owe income tax on the growth of the cash value while it remains within the policy. * Tax-Free Access to Cash Value (Generally): * You can often access the cash value through policy loans or withdrawals. While excessive withdrawals or policy lapses can have tax implications, accessing the cash value through loans is generally tax free

Final expense insurance, also known as burial or funeral insurance, is a type of whole life insurance designed to help cover the costs associated with your death, such as funeral arrangements, burial plots, and outstanding medical bills. It typically offers a smaller death benefit (around $2,000 to $35,000) compared to traditional life insurance policies, but it's also easier to qualify for and often comes with lower premiums. This can be a good option for people who want to ensure their loved ones aren't left with a financial burden when they pass away. There are two main factors to consider when calculating how much final expense insurance you need in NYC: * Funeral and burial costs: This includes expenses like casket, burial plot, headstone, funeral service fees, and cremation costs (if applicable). You can get a general idea of these costs by researching funeral homes in your area or using a funeral cost calculator like the one offered by New York Life https://www.newyorklife.com/resources/financial-calculators/burial-and-final-expenses-calculator. * Outstanding debts: Consider any outstanding debts you want your policy to cover, such as medical bills, credit card debt, or a mortgage. Once you have a ballpark figure for these costs, you can add them together to determine the amount of coverage you need. It's also a good idea to factor in potential inflation to ensure your policy will be sufficient in the future. The cost of transporting a body from Hawaii to NYC can vary depending on several factors, including: * Funeral home fees for preparation and shipping * Airfare costs * Weight of the deceased and casket * Distance traveled Funeral home fees typically range from $3,000 to $5,u000, while airfare can cost anywhere from $2,000 to $5,000. In total, expect to pay anywhere from $5,000 to $10,000 for transporting a body from Hawaii to NYC. Here are some additional things to consider: * Some airlines may have restrictions on the size and weight of caskets that can be transported. * You will need to obtain a death certificate and embalming permit before shipping the body. It's always best to contact a funeral home directly to get a quote for transporting a body. They will be able to give you a more accurate estimate based on your specific needs. The average cost of a funeral in NYC can range from $5,000 to $10,000, depending on the specific services included. Here's a breakdown of some factors affecting the cost: * Type of service: Traditional burials are typically more expensive than cremations. * Facility fees: Funeral home charges for use of their facilities for visitation and ceremonies. * Casket or urn selection: Costs can vary depending on the material and style chosen. * Embalming: This process adds to the overall cost. * Additional services: Transportation, flowers, obituary notices, etc., all contribute to the final cost. The cost of a burial plot in NYC can vary greatly depending on the cemetery location and size of the plot. Here's a general range: * Basic burial plots: $4,500 - $19,000 * Premium locations (Manhattan): Upwards of $1 million Staten Island cemeteries tend to have the most affordable options, while Manhattan has the most expensive. Consider contacting cemeteries directly for specific pricing information.

-OUTPATIENT AMBULATORY CARE  Also called ambulatory care, this term defines any service or treatment that doesn't require hospitalization. An annual exam with your primary care physician is an example of outpatient care, but so are emergent cases where the patient leaves the emergency department the same day they arrive. -OUTPATIENT SURGERIES  Outpatient surgeries can take a few minutes or a few hours, and most are not for medical emergencies. A typical outpatient surgery might be a simple mole removal, a hernia repair, or a knee replacement. -INPATIENT SURGERIES  Someone who has inpatient surgery is admitted to the hospital for at least one overnight stay to recover from their surgical procedure. On the other hand, an outpatient surgery doesn't require an overnight stay — the patient can leave later in the day to return home C-SECTION (INPATIENT SURGERY)  A C-section usually requires a hospital stay for 2 to 3 days. Your health care provider will discuss pain relief options with you. Once the anesthesia begins to wear off, you'll be encouraged to drink fluids and walk. You remain in the hospital for up to four days after delivery. Because a cesarean delivery is an abdominal surgical procedure, it is associated with an increased risk of infection, blood clots, bleeding, and pain. After the procedure, your doctor monitors your condition and manages your pain with medication.