On Life With Helen

Are you a California resident? Medi-Cal is a gift that the State of California provides its residents so it’s valuable to take advantage of if you qualify for it. 

In this eighteenth episode, I am re-releasing episode 18 in which I was joined by Michael McCabe to talk all about Medi-Cal. For the past twenty years, Michael’s job has been Medi-Cal planning, focusing on counseling people on the psychology and financing of a person facing long-term care needs. Through his work, Michael coaches his clients on how to fund Long-Term Care through Medi-Cal Benefits, Waiver Program, IHSS (In-home supportive services). 

Listen to this episode of On Life With Helen to learn from Michael if you qualify for Medi-Cal and how it can help you with. Michael shares how his career in Medi-Cal planning bgan, what he focuses on with his clients, common misconceptions around Medi-Cal, the urgent situations he can help you with, how to avoid getting into crisis mode, and more.  

In This Episode, You Will Learn:

• Michael journey to working in Medi-Cal planning (2:02)
• How Michael helps his clients (8:50)
• Common misconceptions about Medi-Cal (11:08)
• Recommendations to avoid being in crisis mode (21:45)
• The new Medi-Cal regulations (25:59)

Connect with Michael 

• Email
• 916-612-8800

Let’s Connect!

• Email
• LinkedIn
• Website - Ornellas Insurance
• Facebook  Page - Ornellas & associates insurance services
• Facebook Profile Helen Ornellas Lanham

Hosted on Acast. See acast.com/privacy for more information.

Our mental health is just as important as our physical health. It’s important to know the resources available for you so you can help yourself or those in your life who are struggling with their mental health.

In this twenty-sixth episode, I am re-releasing episode 10 to emphasize the importance of understanding what a Mental Health 5150 is. You will hear from Renee Balcom, a health advocate advisor, to discuss how and when a 5150 should be incorporated in a situation. If you are ever with someone who is mentally unstable and causing a safety concern for themselves or others, a Mental Health 5150 will be of great help. Throughout this episode, Renee shares stories from her work with clients that she has had to call a 5150 for, what her advice is for when you need to call for a 5150, her steps for working with clients, and more. 

Tune in to this episode of On Life With Helen to learn what a 5150 is and when it would be appropriate to use! 

In This Episode, You Will Learn:

• Who Renee is (2:13)
• What the 5150 is and the situations it is applied to (4:30)
• Renee’s advice for calling on someone with mental health distress (12:14)
• Renee’s steps when working with clients (14:37)
• To look after those in your life (31:08)

Connect with Renee 

• Email Renee
• Silver Lining Network & Directory 

Let’s Connect!

• Email
• LinkedIn
• Website - Ornellas Insurance
• Facebook  Page - Ornellas & associates insurance services
• Facebook Profile Helen Ornellas Lanham

Hosted on Acast. See acast.com/privacy for more information.

Do you lack confidence when it comes to making decisions about your healthcare or a loved one's health? Working with a health advocate advisor will give you the peace of mind that you are looking for when it comes to navigating the healthcare system. 

In this twenty-fifth episode, I am re-releasing Part 2 of my conversation with Renee Balcom, a health advocate advisor. In Part 1, Renee talked about how a health advocate advisor can help you make informed decisions when it comes to healthcare and  how she helps her clients by creating a care plan. In Part 2, you will hear Renee talk about some of the case studies that she has worked on, the important pieces of information she wants every listener to know, how you can prepare now for the later chapters of life, and more.  I am so excited for you to hear Renee’s expertise that she has learned from over a decade consulting and providing services to families looking for care solutions for their loved ones. 

Tune in to this episode of On Life With Helen to hear Part 2 of the conversation with health advocate advisor Renee Balcom! 

In This Episode, You Will Learn:

• About some of the case studies Renee has worked on (1:41)
• To advocate for the medical treatment our loved ones need (7:45)
• About the Right To Try law (12:32)
• Renee’s tips for preparing to move into this chapter of life (18:15)
• The payment and services that come with working with a health advocate advisor (29:36)

Connect with Renee 

• Email Renee
• Silver Lining Network & Directory 

Let’s Connect!

• Email
• LinkedIn
• Website - Ornellas Insurance
• Facebook  Page - Ornellas & associates insurance services
• Facebook Profile Helen Ornellas Lanham

Hosted on Acast. See acast.com/privacy for more information.

What exactly IS a healthcare advocate advisor? If you are intimidated by the healthcare system, a  health advocate advisor is there to help you make sense of it all.

In this twenty-fourth episode, I am excited to re-release episode 7. In this episode, I had the chance to be joined by Renee Balcom, a health advocate advisor. Through her work, Renee helps people learn the healthcare system, understand the decisions they need to make, and cope with the challenges and strains of caregiving. Renee created the Silver Lining Network & Directory after realizing that overwhelmed family caregivers need a resource to quickly find appropriate and professional solutions. Throughout this episode, Renee explains what the job of a health advocate advisor is, stories from her career, and what it looks like to work with her. 

Tune in to this episode of On Life With Helen to hear Episode 7, where I have an amazing conversation with health advocate advisor Renee Balcom! 

In This Episode, You Will Learn:

• About Renee’s background as a health advocate (2:16)
• How Renee connects with her clients  (11:01)
• Renee’s process to creating a care plan for her clients (16:48)
• Renee’s experience discovering client neglect and abuse  (19:09)
• How to get in touch with Renee (32:37)

Connect with Renee 

• Email Renee
• Silver Lining Network & Directory 

Let’s Connect!

• Email
• LinkedIn
• Website - Ornellas Insurance
• Facebook  Page - Ornellas & associates insurance services
• Facebook Profile Helen Ornellas Lanham

Hosted on Acast. See acast.com/privacy for more information.

Are you waiting for a sign to make a career change? No matter how many years of experience, people supporting you, or dollars that you have saved away, taking the leap of faith to make a big change is always scary, yet so rewarding. 

In this episode, I am talking with Lauren Bayha. Lauren has recently decided to open up her own insurance agency,  BenefitsBay Insurance Solutions. Not only that, but Lauren has also taken over the Sacramento Association of Health Underwriters after many years as a member. Lauren’s courage to step out and pursue building her own business is an inspiration for others who want to become a solo-preneur. 

Listen to episode 23 of On Life With Helen to learn from Lauren about her experience starting her own insurance agency. She talks about why she decided to pursue building her own agency, who has supported her journey so far, what services her agency is offering to clients, and more. 

In This Episode, You Will Learn:

• About Lauren’s background and why she decided to start her own insurance agency  (2:40)
• About the support Lauren has received since starting her agency (7:36)
• What Lauren has learned in the first few months as a solo-preneur (14:07)
• The services Lauren’s agency is offering to clients (18:20)
• About Lauren’s involvement in Sacramento Association of Health Underwriters (26:26)

Connect with Lauren 

• LinkedIn

Let’s Connect!

• Email
• LinkedIn
• Website - Ornellas Insurance
• Facebook  Page - Ornellas & associates insurance services
• Facebook Profile Helen Ornellas Lanham

Hosted on Acast. See acast.com/privacy for more information.

Are your efforts going to what you do best as a business owner or are you paralyzed by endless non-revenue-generating activities? One of the most common problems faced by businesses is the unending rise in overhead costs stemming from inefficiencies in compliance, and hiring, among others.

In this episode, I am talking with Ben Godinez, a Business Consultant at Vensure Employer Services. He is passionate about helping small businesses grow by solving operational challenges and streamlining compliance requirements. Today, he’ll share with us how Vensure Employer Services’ PEO (Professional Employer Organization) helps business owners. Additionally, he’ll share some use cases that will help you understand its benefits. This conversation with Ben will help business owners or aspiring business owners understand how to streamline non-revenue-generating activities.

Listen to episode 22 of On Life With Helen to learn how a PEO can transform a business from Ben Godinez!

In This Episode, You Will Learn:

• What a PEO is and what it does (01:56)
• The types of companies that a PEO works great with (05:50)
• Real-life challenges that were solved by adopting VensureHR’s PEO solution (10:17)
• How VensureHR approaches the onboarding process for new customers (18:22)
• Three areas a business owner should consider getting a PEO to help handle (27:49)

Connect with Ben 

• Website
• LinkedIn

Let’s Connect!

• Email
• LinkedIn
• Website - Ornellas Insurance
• Facebook  Page - Ornellas & associates insurance services
• Facebook Profile Helen Ornellas Lanham

Hosted on Acast. See acast.com/privacy for more information.

Recent studies show that divorces among couples who are over 50 years are on the rise in the US. One of the challenges that such couples face that younger couples don’t is how to split their assets such as a house in a way that secures their future financial stability. The reverse mortgage has proven to be a game-changer in this area because it allows such couples to split a house without making mortgage payments.

In this episode, I am joined by Mitchell Cooper, a Certified Reverse Mortgage Professional with Mutual of Omaha Mortgage. Today, Mitch is going to help us understand the concept of the reverse mortgage and the group that can benefit from it. He’ll also share with us its benefits and the impact that the rising interest rates are having on it.

Listen to this episode of On Life With Helen to learn about how a reverse mortgage can be used as an asset protection tool from Mitchell Cooper.

In This Episode, You Will Learn:

• The impact that divorce has on personal wealth (03:52)
• How reverse mortgage works (05:30)
• The best time to perform reverse mortgage transaction in a divorce (14:36)
• How interest rates affect such transactions (18:37)

Connect with Mitchell Cooper 

• LinkedIn

Let’s Connect!

• Email
• LinkedIn
• Website - Ornellas Insurance
• Facebook  Page - Ornellas & associates insurance services
• Facebook Profile Helen Ornellas Lanham

Hosted on Acast. See acast.com/privacy for more information.

When was the last time you had a difficult conversation in your workplace? There have been major changes in the workplace throughout the past few years, and it’s important for all employers to be clear communicators while also providing their employees a safe space to do the same.

In this twentieth episode, I am talking with Jay Johonson. Jay is the CEO of Coeus Creative Group and is an internationally renowned speaker specializing in behavior and organizational development. He has given keynotes and workshops in 19 countries across 4 continents, empowering audiences with an eye-opening perspective on behavior, communication, and leadership. Jay’s 2018 TEDx talk demonstrating a new approach to dealing with difficult people established Coeus Creative Group as a thought leader in the world of behavioral intelligence. This conversation with Jay will help anyone, employer or employee, to understand how to navigate the challenging situations and conversations in the modern workplace. 

Listen to this episode of On Life With Helen to learn from Jay Johnson on how you can better manage difficult conversations!

In This Episode, You Will Learn:

• Who Jay is and what his passion is (2:14)
• The top three difficult conversations Jay helps his clients with (5:05)
• How to connect with your colleagues in a hybrid work environment (14:04)
• Jay’s advice for employers to identify and handle employee burnout (20:50)
• One of the most transformational moments in Jay’s career (24:50)

Connect with Jay 

• Website
• LinkedIn
• Email

Let’s Connect!

• Email
• LinkedIn
• Website - Ornellas Insurance
• Facebook  Page - Ornellas & associates insurance services
• Facebook Profile Helen Ornellas Lanham

Hosted on Acast. See acast.com/privacy for more information.

Have you and your family discussed the details on what to do when one of you passes away? 

In this nineteenth episode, I am talking about a difficult event that happened recently in my life. Just a few weeks ago, my sisters and I said goodbye to our mother after she had lived a long, full, and beautiful life. I share with you the last 10 years of my mother’s life, what health difficulties she went through, and how my sister’s and I honored her wishes. Since losing my mother, it has been an extremely emotional past few weeks. However, I am so grateful that we had prepared for her passing so that we are able to grieve in peace and without stress. 

Listen to this episode of On Life With Helen to learn about my mother’s passing and what I recommend all listeners do to prepare for the inevitable day when a family member passes away. 

In This Episode, You Will Learn:

• About the last 10 years of my mother’s life (2:30)
• My mother’s unique journey with memory loss (8:09)
• How my sisters and I honored my mother’s wishes before she passed away (10:26)
• Why I am grateful that my mother had life insurance (11:26)

Let’s Connect!

• Email
• LinkedIn
• Website - Ornellas Insurance
• Facebook  Page - Ornellas & associates insurance services
• Facebook Profile Helen Ornellas Lanham

Hosted on Acast. See acast.com/privacy for more information.

Do you live in California? If so, it is important to learn about Medi-Cal and understand how you can qualify. 

In this eighteenth episode, I am joined by my great friend, Michael McCabe. Michael has been doing Medi-Cal planning for the last twenty years, focusing on counseling people on the psychology and financing of a person facing long-term care needs. He coaches his clients on how to fund Long-Term Care through Medi-Cal Benefits, Waiver Program, IHSS (In-home supportive services). Medi-Cal is a gift that the State of California is giving to people, so why not take the benefit?

Listen to this episode of On Life With Helen to learn from Michael about the ins and outs of qualifying for Medi-Cal and what situations it can help you with. Michael shares how he began working in Medi-Cal planning, what he specifically focuses on with his clients, the common misconceptions around Medi-Cal, the urgent situations he can help you with, how to avoid getting into crisis mode, and more.  

In This Episode, You Will Learn:

• How Michael began working in Medi-Cal planning (2:02)
• What Michael specifically does for his clients (8:50)
• The common misconceptions about Medi-Cal (11:08)
• Michael’s recommendation to avoid being in crisis mode (21:45)
• The new Medi-Cal regulations (25:59)

Connect with Michael 

• Email
• 916-612-8800

Let’s Connect!

• Email
• LinkedIn
• Website - Ornellas Insurance
• Facebook  Page - Ornellas & associates insurance services
• Facebook Profile Helen Ornellas Lanham

Hosted on Acast. See acast.com/privacy for more information.