Here are all the articles I've written about Disability Insurance. Enjoy!

October 15th, 2018

Freelancers & Independent Contractors! A new CA law could HURT your status!

If you’re a FREELANCER in CA (aka INDEPENDENT CONTRACTORS) — read all of this to protect your $$$ !

The Insurance Mom wants to make you aware of a recent CA Supreme Court ruling.    It could really HURT you as a FREELANCER.     If you HIRE freelancers, this new state law could hurt you as a business owner.   WATCH OUT!

For more information or to sign-up and have YOUR voice heard please visit I’m Independent to protect your rights as freelancers and/or a business owner.

Dynamex Operations West Inc. v. Superior Court (Dynamex) could require many 1099 independent contractors to become W-2 employeesand YOU won’t have a choice.

The ABC test determines WHO is an independent contractor or an employee.    You will be Independent Contractors ONLY if the hiring entity is able to PROVE ALL THREE of the following:

     (A)    That the worker is free from the control and direction of the hiring entity in connection with the performance of the work, both under the contract for the performance of the work and in fact;

     (B)    That the worker performs work that is outside the usual course of the hiring entity’s business; and,

     (C)    That the worker is customarily engaged in an independently established trade, occupation, or business of the same nature as the work performed.

You should be VERY alarmed!!   The Dynamex ruling is now CA State law and will NOT be appealed.

freelancers independent contractors

The new standard could potentially reach back four years which could financially destroy your business even if you were fully compliant in operating under the previous standard of Independent Contractors.

Hmmm… I have questions:   Who is going to be the watchdog?   The regulators?   The enforcers?   Are small businesses at risk as much as large businesses?    How will the regulators know who’s …

Read More…
June 24th, 2015

Have YOU planned for the OMG??!

Do YOU have enough bucks tucked under the mattress for that OMG-unexpected-high-medical-expense?  And, they’re always unexpected!  How will you pay for stuff?   Most people don’t have enough saved up for that OMG! time… or even for sushi next week.    I have some great ideas… like an automatic savings plan, like life insurance, like disability insurance, like Long Term Care Insurance.

Call The Insurance Mom… we should tawk!…

Read More…
June 10th, 2015

Can you measure the value of time?

Tim Wiholt, an insurance broker from Nashville, wrote this lovely LinkedIn post.  I adored it!  I just had to share his sentiments.

Life by the numbers . . . the average person lives to be about 80.  We spend roughly the first 20 years learning, the last 20 retiring, and the 40 in the middle ‘making a life.’

His message?  We all have the same amount of time on this little planet.   Make those precious minutes for the time in the middle count.  And take care of yourself mentally, physically, and financially to enjoy those last 20.

The best way to make sure the latter 20 years go smoothly is to plan ahead with Long Term Care insurance.  The best way to make sure your loved ones are protected is to get Life insurance, so your family has choices, not expenses.  No way to predict the future, but there is such a thing as smart planning.

Bravo, Tim!  Wiser words were never spoken.  Read the whole article with tips on time management here: https://www.linkedin.com/grp/post/42972-5989768525483438081

 …

Read More…
Contact Mom
menu mobile header