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

You think YOUR insurance company is bad?

You think your insurance company is bad?! Check out the latest bovine defecatory material about Aetna from CNN. We all know medical claims can be a nightmare to handle… How would you feel if something like this happened to YOU? The Insurance Mom says BE YOUR OWN BEST ADVOCATE!   Stay involved.  Keep informed.  

Big changes are coming for small business owners….

CALLING ALL SMALL BUSINESS OWNERS!!! Are you aware of the big health insurance changes coming in 2016??  The Affordable Care Act (aka ObamaCare) will create a tsunami that may really change your health insurance benefits. Small Groups used to be classified as 2-50 employees.  In 2016, it will change to 1-100 employees. This major shift… Continue reading Big changes are coming for small business owners….

You Can’t Take it With You — Life Insurance That Is!

Got life insurance at work?   Great! Leaving the job for something bigger and better?  Congrats! Retiring from the daily grind?   Have fun! But… heads-up!   You can’t take your cheap, affordable term life insurance with you.   I bet you didn’t know that, right?    You can only keep your cheap, affordable term life insurance if you change… Continue reading You Can’t Take it With You — Life Insurance That Is!

Long-Term Care Clarity!

Does Medicare cover long-term care expenses?  The answer may surprise you!   There was a neat article this week in the LA Times about Long-Term Care Insurance which spelled it out very nicely.   If you haven’t given much thought to how you’d pay for long term care expenses, you’re not alone.    Most of us haven’t.… Continue reading Long-Term Care Clarity!

Small Businesses: How To Claim Your Health Insurance Premium Tax Credit

Questions abound!   Here’s an answer: HOW TO CLAIM THE TAX CREDIT How does an employer claim the tax credit? The credit is taken on the annual tax return. The IRS will provide information on how tax-exempt employers can claim the new credit. Does taking the tax credit affect an employer’s deduction for health insurance premiums?… Continue reading Small Businesses: How To Claim Your Health Insurance Premium Tax Credit

Are You an Employee or an Independent Contractor?

Watch out!  The IRS is cracking down on cheating companies!   This recent article is from Parade Magazine: Some labor-force experts predict that 50% of jobs created in the economic recovery will go to contractors, consultants, or other temporary employees.  That’s good news for employers, since these “contingent workers” cost 30% less than full-time staff (no… Continue reading Are You an Employee or an Independent Contractor?

Small Business Health Care Tax Credit

If you own a small business, this is for you.    Did you know that, as a result of the recent health care reform legislation, starting in 2010 you may be eligible for a 35% tax credit? Eligibility Rules Providing health care coverage. A qualifying employer must cover at least 50 percent of the cost of… Continue reading Small Business Health Care Tax Credit