Long Term Care Insurance, Carroll County, Westminster MD

My wife and I have an existing Long Term Care (LTC)  Insurance policies and have had it for over 11 years.  Our  Agent decided to resign leaving us high and dry. We contacted the Dept. of Aging and asked if they could suggest someone knowledgeable in LTC policy matters and they said they have had excellent results in dealing with Melissa Barnickel.  After talking with Melissa, we were very impressed with her experience in this area.  She agreed to act as our new Agent if we received approval from the the headquarters of our LTC company.  We did this and received approval to have her appointed as our  new Agent. She is now our  new Agent even though there was no compensation or commission received by her.  Melissa Barnickel has been most helpful in giving us a better understanding of our LTC policies.            J  and RB