Valentine Saint Martin Combined Insurance - Insurance Benefits Manager - Combined Insurance/Healthcare By Valentine

Valentine Saint Martin Combined Insurance

Insurance Benefits Manager at Combined Insurance/Healthcare By Valentine

New York City

HOW MY PRODUCTS HELP YOU - No medical exam required (answer a few short questions) -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 move to another state -Paid on top of your other benefits such as sick days, workers compensation, (V.I.P, assault grant, Farmington, Aflac, Unum, etc) -Get paid when you go to ER or urgent care for any injury or illness WHY I DO WHAT I DO! I became the change I needed to see. I am Valentine Saint Martin, a licensed insurance agent and worksite benefit provider. I help self-employed business owners protect their families, their businesses, and their legacy. I help protect the front-line healthcare workers and first responders of New York City. I make sure that hard-working individuals have a safety net in place that prevents hardship in the event of a disability, sickness, or injury. I do all of this by providing tax-free or tax-deferred income for themselves and their families for life. I worked in the healthcare business for twenty years, helping patients understand their insurance, I performed claims billing and collecting for the physicians when insurance companies had difficulties in paying claims. I set out to bridge the gaps between the client, the provider, and the insurance company because I noticed there was a lack of communication and education between all involved parties. I became a licensed insurance agent to better educate as many people as I can about their policies, to help them choose the best coverage, and how to use the products I provide for them. I am fingerprinted by the FBI with a full background check. I have a legal, moral, ethical, and fiduciary responsibility to all.

WHY CHOOSE COMBINED

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

SIGNING UP OVER THE PHONE

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.

INSURANCE EDUCATION CORNER

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 65. 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

WHOLE LIFE INSURANCE

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

HOW TO FILE A CLAIM

CLAIM FORM https://www.combinedinsurance.com/content/dam/chubb-sites/combined-insurance/microsite/policyholder_forms/english/NYRCE-1-0320-A.pdf 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 above 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 combine the ask for 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) 4. Upload all documents to portal or to the APP(send copies to me to review and fax in as a redundancy) having problem? call me to walk you through it after the above steps have been taken

HEALTHCARE SCREENING BENEFITS

This is a once a year benefit that pays $50 for one of the covered examinations. Health screening benefits take place 90 days after an Accident Protector policy is enforced. See included attachments for covered test such as LdL(cholesterol), prostate, mammogram, papsmear, etc.