Okay, let’s break this down. Susana has a broad set of skills that are valuable in the insurance and healthcare industries. She has 22 years of experience, which is a significant amount of time to develop expertise. The fact that she has held leadership positions, like Senior Case Manager/Team Leader, also adds to her value. However, her skills are not in high demand in the current job market, and her location in Encinitas, California, may not be in a hub for her industry. Considering these factors, I estimate her hourly rate to be around $75, which is a relatively low rate compared to other professionals with similar experience and skills.