Here are all the articles I've written about Messages. 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 …

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October 21st, 2014

Good News for All You Ladies in CA!


Were you excited to hear that the new federal law, The Affordable Care Act (ObamaCare,) would make it so your health insurance would cover your birth control, but then were disappointed to find out that your specific brand was the exception to that rule?

Well, the State of California has passed SB 1053 that improves the access women have to THE FULL RANGE of contraceptive methods!

The ACA lacked clarity and that led to the health insurance companies interpreting it in a different way than the law intended.  Some plans covered the full range of contraceptive methods, some had co-pays for rings and patches, and some didn’t cover IUD’s.  The federal law had wording that wasn’t specific enough regarding female care.  Confusion reigned.

The goal of SB 1053 is to make it so YOU and your doctor are making the best choice for your health, and SB 1053 is helping make that happen in California.

SB 1053 was passed on September 25th.   Find out more at or…

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August 18th, 2014

Are you OK with one person taking control of what happens to your medical bills?

I don’t think I’ve ever politicized a blog post.  This could be a first.   So you’ve gotta know how important it must be.

Proposition 45 will be on the ballot in November.  Prop 45 is a flawed, deceptive measure that will increase costs for consumers and (maybe) harm the quality of our health care.

A special interest group (of course!) is sponsoring Proposition 45, an initiative on the November 2014 ballot that gives ONE POLITICIAN (the Insurance Commissioner) new power over your health care – including your premiums, co-pays, deductibles and even the treatment options your health insurance covers.

This is bad.  This is very, very bad.

We all want to control health care costs – that’s why California has a new independent commission with the authority to negotiate rates with health plans and reject them if they’re too expensive. We should give this commission a chance to work, NOT give more power to a single politician who can take campaign contributions from special interests.

There are many reasons why Prop 45 is NOT a good idea.   And they all might cost YOU a lot of money.

1.            Prop 45 gives one politician just too much power.

2.            Prop 45 creates a more costly bureaucracy.

3.            Prop 45 is sponsored by special interest (lawyers, lawyers, lawyers!) who could make a LOT of money under this measure.

Be wary of what’s on your ballots, kiddies.  The Insurance Mom doesn’t want you and the whole state of California to get caught in a terrible mess caused by Prop 45.

Ask yourself this:   Do you trust one politician to dictate what will happen to your health and finances?

With one elected official in charge, you won’t have any input – nor will doctors or hospitals – on the best decisions for your …

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May 16th, 2011

Around the world in 80 seconds…

WOW!   The Insurance Mom just went global!   How cool is THAT?!!…

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April 20th, 2010

3 Ways to Stop Medical Mistakes

It could be a matter of life and death.   If you are hospitalized here are 3 ways to make sure mistakes don’t happen:

1.   BE THERE! Stay with the patient at all times.  NEVER leave a hospitalized friend or family member alone.  Even if you have to hire a private duty nurse for night times.

2.  ASK QUESTIONS! Don’t worry about sounding nosy or seeming annoying.  Memorize the “five rights” of medication safety:  Right Patient, Right Drug, Right Dose, Right Route (such as IV or oral), Right Time.

3.  KNOW YOUR RIGHTS! And enforce them.  These include the right to see your medical records.  Go with your gut.  If it seems like the wrong time for a medication, or if the medicine suddenly looks different, ask questions before accepting it or before letting your friend or family member accept it.

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January 19th, 2010

Is the 405 driving you crazy?

For everyone living — and driving — in the  LA area, here‘s an important heads-up about construction and closures on the 405.   And you thought it couldn’t get any worse!…

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November 4th, 2009

Welcome To The Insurance Mom!

Listen doll… I think it’s safe to assume you’re here because you need real information about, and help with, the insurance part of your life. I’m so glad you’re visiting. Yes… insurance, any kind of insurance, is a dark and scary place and The Insurance Mom is here to help guide you along the way. That’s why you’re here, right? This is where you can come if you want to feel safe and secure knowing that you’re getting straight forward information, in plain English, about your health, life, disability, short term health and Long Term Care insurance questions.

The Insurance Mom knows you don’t want to handle all of this by yourself. So sit, get comfy, read a little, learn a lot. And then give me a call on 323-654-2207, or send an e-mail to Thanks so much for being here. Now, enjoy the site… I insist!…

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