Since 1979, I have worked in the insurance industry specializing in employee benefit plans for small businesses. This includes Health, Dental, Disability Insurance and Retirement Plans. As many of my accounts have matured as well as myself, I have expanded to include Medicare Supplements, Drug Plans and Long Term Care Insurance. With the constantly changing laws and regulations, my expertise and experience have been helpful to many people and small businesses. My education includes BS in Business Administration from Indiana University of PA, Chartered Life Underwriter (CLU) and Chartered Financial Consultant(ChFC) from The American College. Member of Society of Financial Service Professionals (25+ yrs), National Association of Health Underwriters (NAHU), Shenandoah County Chamber of Commerce.