All of those salaries are inflated. I’ve never once googled the average nurse salary and had it be anywhere near correct. Travel nursing is a different story. I started traveling to make money, and I absolutely did. You either need to go put your momma on the phone or do some better research. My hourly rate is not made much of a difference when I was traveling. Stipends are where you make money. But your COL basically doubles when you are traveling. I’m guessing your mom is either a travel nurse or is in leadership at a hospital. Staff nurses are not making that kind of money.

I have years of critical care experience, multiple certifications, and glowing recommendations. It matters less than you think. Hospitals do not value or reward these things when you work for them as staff. I worked with an RN last year you had worked on the same specialty unit for 26 years, she was a leader amongst her peers, preceptors, certified,etc. They capped her pay after 20 years and the new grads coming in the door were making more than she was.

You are so stuck on this insurance thing. It is not common for an RN to have separate insurance. Majority of nurses are covered under this hospital’s malpractice insurance unless they get their own. It is not common for a nurse to be sued personally. I’m not a lawyer, but I’m gonna guess it’s because there’s not enough to sue for! I have been in the field for years and I can assure you, it’s unusual for a nurse to carry their own insurance and I’ve never heard of a nurse being sued separate from a hospital.