See the "Caveats" below.  I hope you find what your looking for and that you can come to an amicable resolution of your problem.

We will NOT respond to any questions about law - other than if it applies to our "Day Job"  Medical, Life, Disability & Retirement Plans.  That is why we have Google Ads on the site, so that you can find an appropriate professional to help you.  If you need to consult an Attorney - click here for links. 

This Web site is designed to provide accurate and authoritative information regarding the subject matter covered. BUT it will no longer be regulary maintainted.  The webmasters "Day Job" is now keeping him too busy to regulary update this site or answer any questions on anything other than Insurance Matters.  It is provided with the understanding that the website   is not engaged in rendering legal, tax, Medical or Insurance advice. Be sure to verify that any forms linked to are the MOST recent version.  The links are from our review of various search engines, advertising and so forth.  We do NOT necessarily recommend those we link to.  We link to many Government sites and as the saying goes - one of the world's 3 biggest lies is - I'm from the Government and we're here to help you.  We not responsible for content on external web sites, nor do we have any control over them. If legal,  tax, Insurance or Medical advice is required, the services of a competent professional in your state, if you are outside of California click here for a Health Insurance Professional  should be sought. Click here for more formal wording and the visitor agreement.

Linking - You are encouraged and permission is granted to link to ANY page shown on our site map.  You may not link to any other pages, without express permission.  Click here for more details.