Doug Worman RHU (Registered Health Underwriter)
Since 1976, Doug has helped thousands of Pennsylvanians solve their long-term care insurance needs. As an Independent LTCI Specialist, this allows unbiased advice and comparison/quotes from all LTCI Companies. He is one of the leading LTCI Specialist in the country.
Doug has “lived” the long-term care dilemma personally, as his mother was a kidney dialysis patient for six years and mother-in-law lived in an Alzheimer's facility for four years. His aunt presently is in a long-term care facility in Lancaster County, Pennsylvania, costing $7200 per month. He has seen how long term care will affect families emotionally, physically and financially.
He also the Regional Agency Director for LTCR (Long Term Care Resources). LTCR is one of the nations leading sponsored group long-term care insurance providers, trusted by over 400 associations. Doug advises members of the American Medical Association, American Bar Association, Unions, Trade Associations, College Alumni Associations, Military Associations, and many other associations and organizations. Please visit LTCR’s website www.ltcr.com to see if your organization is one of them. Members receive benefits not available to the general public.
Each week he’s invited to speak on "The Problems and Concerns of Needing Long Term Care" at different clubs, groups and organizations. He has spoken hundred's of times at Rotary, Lions, Kiwanis, Sertoma clubs, and other organizations. He writes a bi-monthly newspaper column titled, "Your Long Term Care".
Bottom line: When Doug was interviewed by Kiplinger’s for their Retirement Planning Guide he was asked, “What is the biggest mistake you see people make concerning long-term care insurance?”
“Simply put, a person will not pay as little for LTC Insurance as they will right now because of their present age and health. But the biggest mistake and one of the saddest situations I come across each week are people that “haven’t gotten around to it yet”. When they do decide, “it’s time” they have lost that window of opportunity because their health has changed. And sometimes it’s just a minor change. This happens too often. They should find out their long-term care insurance options NOW before they lose their eligibility. Then they can make an educated decision concerning LTCI.”
