Long term care insurance companies in Pennsylvania address the significant costs associated with prolonged health care, including nursing home care and home health assistance. This sector comprises independent agencies, brokerages, and specialized firms, each providing tailored insurance plans that cater to individuals and families looking to secure their futures. As the demand for such services increases due to an aging population, these companies are adapting their offers by integrating innovative products like hybrid policies that combine life insurance with long-term care benefits. The industry is steadily progressing towards greater accessibility and flexibility to meet evolving consumer needs.


The companies featured in this listing range from well-established names to newer organizations, all grounded in Pennsylvania. Their sizes vary from small teams with fewer than 10 employees to larger agencies employing around 500. Most of these companies were founded between the 1960s and 2000s, specializing in various insurance offerings, including life, health, and specific long-term care solutions. Locations, such as Philadelphia, Harrisburg, and Pittsburgh, serve as hubs for these significant players in the long-term care insurance market.


Continue reading to explore the top long term care insurance companies in Pennsylvania.


Top 23 Long Term Care Insurance Companies in Pennsylvania


1. Underwriters Brokerage Service

  • Website: ubsnet.com
  • Ownership type: Private
  • Headquarters: Pittsburgh, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1970
  • Headcount: 11-50
  • LinkedIn: underwriters-brokerage-service

Underwriters Brokerage Service (UBS) is an insurance brokerage based in Pittsburgh, Pennsylvania, founded in 1970. With a team of 19 employees, UBS specializes in offering a variety of financial products, including life insurance, annuities, long-term care insurance, and disability insurance. The company serves both individual consumers and businesses, helping them manage risks and secure their financial futures through comprehensive insurance solutions. UBS has a dedicated focus on long-term care, providing resources and training for linked and hybrid insurance products. Their website features tools for proposal requests and cost analysis, indicating an active engagement in the long-term care insurance market. However, UBS does not appear to have received any external funding, which may suggest a more traditional business model focused on brokerage services rather than aggressive expansion or innovation in the insurance space.


2. BGA Insurance Group

  • Website: bgainsurance.net
  • Ownership type: Private
  • Headquarters: West Conshohocken, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2008
  • Headcount: 11-50
  • LinkedIn: bga-insurance-group

BGA Insurance Group, founded in 2008 and based in West Conshohocken, Pennsylvania, operates as a private insurance agency. With a team of 36 employees, the company focuses on Medicare and retirement planning services, assisting seniors and their families in navigating complex healthcare options. Their offerings include Medicare Supplement Insurance, Medicare Advantage plans, and notably, long-term care insurance. BGA Insurance Group prides itself on providing personalized consultations, ensuring that clients receive tailored advice to secure their financial stability as they age. The agency's commitment to client education and support is evident in their approach, which includes home visits and ongoing communication to keep clients informed about their options. This dedication to service has garnered positive testimonials from clients, highlighting the agency's role in helping them make informed decisions about their healthcare and insurance needs.


3. Body-Borneman Insurance, Inc.

  • Website: body-borneman.com
  • Ownership type: Family Owned
  • Headquarters: Boyertown, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1962
  • Headcount: 11-50
  • LinkedIn: body-borneman-ins

Body-Borneman Insurance, Inc. is a family-owned independent insurance agency based in Boyertown, Pennsylvania, established in 1964. With a dedicated team of approximately 31 employees, the agency specializes in a comprehensive suite of insurance solutions, including personal, business, life, and specialty insurance. They serve both individual consumers and businesses, focusing on protecting assets and managing risks. Body-Borneman has built a strong reputation for customer service and tailored solutions, which is evident in their long-standing relationships with clients. The agency has a particular emphasis on life and group health insurance, which includes long-term care insurance. They understand the critical need for long-term care coverage, especially as a significant portion of the population over 65 may require such services. Their independent status allows them to navigate the insurance market effectively, providing clients with options that best fit their needs.


4. Gannon Associates Insurance

  • Website: gannonassociates.com
  • Ownership type: Private
  • Headquarters: Towanda, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1973
  • Headcount: 51-200
  • LinkedIn: gannon-associates_2

Gannon Associates Insurance, established in 1973 and based in Towanda, Pennsylvania, operates as a private insurance agency. With a workforce of approximately 77 employees, the company provides a wide array of insurance products tailored for both personal and business needs. Their offerings include auto, home, life, and commercial insurance, alongside health-related products such as Medicare and long term care insurance. Gannon Associates emphasizes risk management and customer service, aiming to ensure that clients receive appropriate coverage for various risks. Their commitment to community involvement is evident through support for local events and organizations, reflecting a strong connection to the areas they serve. While they have not reported any funding, their longevity and established presence in the insurance market suggest a stable operation.


5. T.W. Cooper Insurance

  • Website: twcooperinsurance.com
  • Ownership type: Private
  • Headquarters: Coopersburg, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1977
  • Headcount: 11-50
  • LinkedIn: tw-cooper-insurance

T.W. Cooper Insurance Group, established in 1977, is a private insurance agency located in Coopersburg, Pennsylvania. With a team of approximately 29 employees, the agency provides a wide array of insurance solutions, including personal, business, life, and health insurance. Their offerings include individual long-term care insurance, which is crucial for clients planning for future healthcare needs. The agency prides itself on delivering tailored insurance solutions to both individuals and businesses, helping clients manage risks and protect their assets. T.W. Cooper Insurance operates as an independent agency, collaborating with various top carriers to ensure clients receive suitable coverage. Their commitment to customer service is reflected in positive client reviews, highlighting their personalized approach and community involvement.


6. Kressler Wolff & Miller

  • Website: kwminc.com
  • Ownership type: Private
  • Headquarters: Easton, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1923
  • Headcount: 11-50
  • LinkedIn: kressler-wolff-miller

Kressler Wolff & Miller is an independent insurance agency based in Easton, Pennsylvania, with a history dating back to 1923. The agency specializes in a comprehensive suite of insurance solutions, including personal, business, life, and health insurance. They serve both individual consumers and businesses, tailoring coverage options to protect against unexpected risks. Their commitment to customer relationships is evident in their approach, where they act as advocates for their clients' insurance needs. Kressler Wolff & Miller offers long-term care insurance as part of their life and health benefits, indicating their recognition of the importance of this coverage in financial planning for individuals, particularly seniors. The agency operates with a team of licensed insurance advisors who provide personalized service and support, ensuring clients are well-informed about their options. With offices in Easton, Allentown, and Stroudsburg, they primarily serve the Lehigh Valley, Pocono Mountains, and Northwest New Jersey regions.


7. URL Insurance Group

  • Website: urlinsgroup.com
  • Ownership type: Family Owned
  • Headquarters: Harrisburg, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1986
  • Headcount: 11-50
  • LinkedIn: url-insurance-group

URL Insurance Group, founded in 1986 and based in Harrisburg, Pennsylvania, operates as a family-owned insurance brokerage. The company provides a variety of insurance products, including health, life, and Medicare insurance, catering to individuals, families, and businesses. With a commitment to personalized service, URL Insurance Group positions itself as a collaborative partner in the insurance sector. They have built a reputation for helping clients navigate their insurance needs, emphasizing the importance of feeling safe and protected. The firm has grown from its humble beginnings in a hotel basement to a multi-line brokerage, now employing around 50 people and serving over 50,000 clients annually. Their offerings include long-term care insurance as part of their life insurance products, but they also focus heavily on Medicare and health insurance solutions.


8. AIMCOR Enterprise Insurance Group (AIMCOR EIG)


AIMCOR Enterprise Insurance Group (AIMCOR EIG), founded in 2015 and based in Paoli, Pennsylvania, operates as a private insurance agency and financial services provider. The company specializes in B2B distribution of various insurance products, including life insurance, long-term care insurance, fixed annuities, and disability income. AIMCOR EIG supports financial institutions and advisors by offering comprehensive services that enhance client relationships and ensure compliance with fiduciary obligations. Their approach integrates innovative technology and tailored solutions to meet the specific needs of their partners. With a focus on long-term care, AIMCOR EIG provides resources and training to help advisors effectively incorporate these products into their offerings, thereby addressing the growing demand for long-term care solutions in the market.


9. American Brokerage Services

  • Website: absgo.com
  • Ownership type: Private
  • Headquarters: Wyndmoor, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1997
  • Headcount: 11-50
  • LinkedIn: americanbrokerageservices

American Brokerage Services, Inc. (ABS), founded in 1997 and based in Wyndmoor, Pennsylvania, operates as a private insurance brokerage. The company specializes in a range of insurance products, including life insurance, long-term care insurance, disability insurance, and annuities. ABS primarily serves licensed financial professionals and insurance agents, providing them with access to various insurance solutions and resources to enhance their business operations. Over the years, ABS has brokered approximately $4 billion in fixed annuity premiums and around $200 million in fixed life insurance premiums, alongside some long-term care and disability insurance premiums. With a network of over 7,000 licensed agents across all 50 states, ABS leverages its relationships with more than 80 top-rated insurance carriers to offer tailored solutions that meet the needs of their clients. Their commitment to supporting financial professionals in protecting consumers underscores their role in the insurance industry.


10. Michael A. Starr Insurance, Inc.


Michael A. Starr Insurance, Inc. is an independent insurance agency based in Chambersburg, Pennsylvania, established in 1989. The agency serves a wide array of clients, including individuals and businesses, by providing various insurance products such as auto, home, business, life, and health insurance. With a commitment to customer service, Starr Insurance operates independently, allowing them to offer competitive coverage options from multiple reputable insurance carriers. They have built a strong customer base, serving over 18,000 clients across Pennsylvania and neighboring states. Their offerings include individual long-term care insurance, reflecting their capability to address the needs of clients seeking coverage for potential long-term care expenses. The agency prides itself on its customer-centric approach, emphasizing the importance of personalized service and advocacy in navigating insurance claims and policy management.


11. Pinnacle Financial Services, Inc.

  • Website: pfsinsurance.com
  • Ownership type: Private
  • Headquarters: Warminster, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 96%, Malawi 4%
  • Latest funding: Other (Debt), $2.5M, February 2021
  • Founded year: 2001
  • Headcount: 11-50
  • LinkedIn: pfsinsurance

Pinnacle Financial Services, Inc., founded in 2001 and based in Warminster, Pennsylvania, operates as an insurance agency that provides a wide array of insurance products. Their portfolio includes Medicare, annuities, life insurance, and notably, long-term care insurance. The company primarily supports independent agents and brokers, equipping them with training, resources, and a comprehensive product portfolio to effectively serve their clients. Pinnacle Financial Services has a strong emphasis on the senior market, which aligns with the needs of long-term care insurance. They have also received funding of $2.5 million in 2021, indicating a commitment to enhancing their services and expanding their reach in the insurance industry. With a dedicated team and a focus on agent support, Pinnacle aims to facilitate the growth of its partners while addressing the insurance needs of their clientele.


12. Emmanuel Insurance

  • Website: emmanuelins.com
  • Ownership type: Family Owned
  • Headquarters: Lower Gwynedd Township, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 83%, Philippines 17%
  • Founded year: 2006
  • Headcount: 11-50
  • LinkedIn: wenhold-insurance-agency

Emmanuel Insurance, established in 2006 and based in Lower Gwynedd Township, Pennsylvania, is a family-owned insurance agency. With a team of around 30 employees, the company provides a variety of insurance products, including personal, business, and life insurance. Their mission is to enrich the lives of their clients by offering tailored insurance solutions that help manage risks and protect assets. Emmanuel Insurance is committed to delivering superior service and maximizing protection for its policyholders. They also engage in community initiatives and charitable giving, reflecting their dedication to social responsibility. The agency has received positive feedback from clients, boasting over 300 five-star reviews, which highlights their focus on customer satisfaction. While they do offer long term care insurance, it is one of many products in their portfolio, indicating a broader insurance focus rather than a specialization in long term care.


13. YMI Insurance

  • Website: ymiagency.com
  • Ownership type: Family Owned
  • Headquarters: Stroudsburg, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1955
  • Headcount: 11-50
  • LinkedIn: yutz-merkle-insurance-agency-inc-

YMI Insurance, based in Stroudsburg, Pennsylvania, is a family-owned insurance agency that has been serving clients since 1955. Originally formed from the merger of Yutz-Merkle Insurance Agency and The Lehigh Agency, YMI Insurance has established itself as a trusted provider of personal and business insurance solutions. The agency offers a range of products, including home, auto, life, and notably, long-term care insurance. YMI Insurance emphasizes community engagement and customer education, ensuring that clients are well-informed about their insurance options. With a team of experienced advisors, the agency is dedicated to protecting the interests of individuals and businesses alike. YMI Insurance operates across several states, licensed in Pennsylvania, Delaware, Maryland, New Jersey, New York, South Carolina, and Virginia, which broadens its reach and service capabilities. Their commitment to client satisfaction is reflected in their proactive approach to policy management and customer service.


14. Fischer Insurance Agency

  • Website: fischeragency.com
  • Ownership type: Private
  • Headquarters: Williamsport, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1966
  • Headcount: 1-10
  • LinkedIn: fischer-insurance-agency

Fischer Insurance Agency, established in 1966, is a privately owned insurance agency located in Williamsport, Pennsylvania. With a small team of dedicated professionals, the agency specializes in a wide array of insurance products, including auto, home, business, and life insurance. They serve both individual consumers and businesses, tailoring their offerings to meet specific client needs. Notably, Fischer Insurance Agency provides long-term care insurance as part of their health insurance services, indicating their involvement in this important area of coverage. The agency prides itself on its commitment to customer service and education, ensuring that all agents are licensed and continually working towards professional designations. They represent Erie Insurance, a well-regarded carrier in the industry, which adds to their credibility. Fischer Insurance Agency has built a reputation for reliability and personalized service, making them a trusted choice for many in their local community.


15. Baron Insurance Group

  • Website: baroninsurancegroup.com
  • Ownership type: Private
  • Headquarters: Manheim, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 78%, Ghana 22%
  • Founded year: 1965
  • Headcount: 11-50
  • LinkedIn: baron-insurance-group

Baron Insurance Group, established in 1965, is a private insurance agency located in Manheim, Pennsylvania. With a team of 23 employees, the company provides a variety of insurance products, including personal, business, and life insurance. They cater to both individual consumers and businesses, focusing on risk management and financial security. Baron Insurance Group emphasizes building strong relationships with clients and educating them about their insurance needs. Their offerings include long-term care insurance, which is part of their life and disability insurance segment. The agency is recognized for its commitment to client service and has received accolades such as the Silver Life Recognition Award from Erie Insurance, highlighting their performance in life insurance sales. They operate with a philosophy of enriching the lives of their team, clients, and community, aiming to be a trusted advisor in the insurance space.


16. Insurance Services of Zelienople PA


Insurance Services of Zelienople, LLC is a family-owned insurance agency established in 1980, located in Zelienople, Pennsylvania. The agency provides a variety of insurance products, including health, life, and employee benefits, catering to both individual consumers and businesses. With a team of licensed sales representatives, they aim to offer personalized service to help clients navigate their insurance needs. Their offerings include long-term care insurance, which is part of a broader portfolio that also features Medicare, dental and vision, disability insurance, and annuities. Operating primarily in Western Pennsylvania and Ohio, the agency prides itself on understanding the local insurance landscape and tailoring plans to meet the specific needs of their clients. They emphasize low costs and proper benefit structures, aiming to empower clients to make informed decisions about their insurance options.


17. Trion Group, a Marsh & McLennan Agency, LLC Company

  • Website: trion.com
  • Ownership type: Corporate
  • Headquarters: King Of Prussia, Pennsylvania, United States (USA)
  • Latest funding: December 2010
  • Founded year: 1999
  • Headcount: 201-500
  • LinkedIn: trion

Trion Group, a Marsh & McLennan Agency, LLC Company, is a corporate entity based in King of Prussia, Pennsylvania, founded in 1999. The company specializes in consulting services that revolve around employee benefits and risk management solutions. They cater primarily to large employers, helping them enhance employee satisfaction and manage various risks effectively. Trion Group's offerings include business insurance, employee health consulting, and voluntary benefits management, with a notable inclusion of long-term care insurance within their voluntary benefits portfolio. This positions them as a player in the long-term care insurance market, although it is part of a wider array of services aimed at improving overall employee benefits. Their affiliation with Marsh & McLennan Agency provides them with substantial resources and expertise in the risk management and benefits consulting sectors.


18. Douple Agency, Inc

  • Website: doupleinsurance.com
  • Ownership type: Private
  • Headquarters: Ephrata, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1941
  • Headcount: 11-50
  • LinkedIn: douple-agency-inc

Douple Agency, Inc. is an independent insurance agency based in Ephrata, Pennsylvania, established in 1941. With a team of 11 to 50 employees, the agency specializes in a wide array of insurance services, including auto, home, business, life, and health insurance. They cater to both individual consumers and businesses, emphasizing personalized service to help clients navigate their insurance needs. As an independent agent, Douple Agency represents multiple insurance carriers, allowing them to offer competitive pricing and tailored coverage options. Their services extend beyond traditional insurance, including individual and group long-term care insurance, which reflects their commitment to addressing the evolving needs of their clients. Douple Agency operates primarily in Pennsylvania but also provides services in Maryland, North Carolina, and New York, showcasing their regional reach and established presence in the insurance market.


19. Evergreen Insurance, LLC

  • Website: evergreeninsurance.net
  • Ownership type: Private
  • Headquarters: Ebensburg, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1980
  • Headcount: 11-50
  • LinkedIn: evergreeninsurance

Evergreen Insurance, LLC, based in Ebensburg, Pennsylvania, has been operational since 1980. This private insurance agency employs between 11 to 50 individuals and offers a wide range of insurance products. Their offerings include business, personal, farm, and life & health insurance, catering to both individuals and organizations. Evergreen Insurance emphasizes tailored solutions to meet the unique needs of their clients. Among their life and health insurance products, they provide long-term care insurance, which is essential for individuals planning for future healthcare needs. The agency collaborates with various trusted carriers to deliver these insurance solutions, ensuring a comprehensive approach to risk management for their clients.


20. Fringe Benefit ServicesPA


Fringe Benefit ServicesPA, established in 1970 and based in Sharon, Pennsylvania, is a family-owned insurance agency. The company specializes in a variety of insurance products, including health, life, and disability insurance. They cater to both individual consumers and businesses, providing personalized consultations to help clients navigate their insurance options. The agency emphasizes service and personal attention, aiming to meet the unique needs of their clients. They represent over 60 well-known insurance carriers, allowing them to offer a wide array of products. Their offerings include Medicare planning, employee benefits, individual health insurance, life insurance, supplemental insurance plans, dental insurance, travel insurance, and notably, long term care insurance. Despite their broad range of services, the company does not appear to have received any recent funding, indicating a stable, self-sustaining operation.


21. Spencer Insurance Agency, Inc


Spencer Insurance Agency, Inc., based in Jenkintown, Pennsylvania, has been serving the community since 1963. This family-owned agency provides a variety of insurance products, including auto, home, business, life, and long-term care insurance. As an independent insurance agency, Spencer Insurance tailors its offerings to meet the unique needs of both individual consumers and businesses. They emphasize the importance of customized insurance solutions, ensuring that clients are adequately protected against various risks. The agency partners with several top-rated insurance companies to deliver competitive pricing and comprehensive coverage options. Their commitment to client service is evident in their testimonials, highlighting a long-standing relationship with many customers. Spencer Insurance Agency also maintains a resource library and blog to educate clients on various insurance topics, including long-term care, which indicates their involvement in this segment of the insurance market.


22. Eber & Associates Insurance Services


Eber & Associates Insurance Services, founded in 2001 and based in Pittsburgh, Pennsylvania, is a private insurance agency that provides a variety of insurance products. Their offerings include business, personal, life, and health insurance, with a notable emphasis on long-term care insurance as part of their employee benefits solutions. The agency prides itself on delivering personalized service, ensuring that clients receive tailored insurance options that meet their specific needs. With a team of certified experts, Eber & Associates operates across multiple states, allowing them to serve a broad client base. Their commitment to community involvement and customer satisfaction is reflected in positive client testimonials, highlighting their responsive and attentive service. The agency collaborates with various insurance partners to provide comprehensive coverage options, reinforcing their position in the insurance market.


23. Penn Summit Insurance Agency LLC

  • Website: pennsummit.net
  • Ownership type: Private
  • Headquarters: Chalkhill, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2008
  • Headcount: 11-50
  • LinkedIn: penn-summit-insurance-agency

Penn Summit Insurance Agency LLC, based in Chalk Hill, Pennsylvania, has been operational since 2008. This private insurance agency serves individuals, businesses, and organizations by providing tailored insurance solutions to manage risks and protect assets. With a team of 11-50 employees, they pride themselves on offering personalized service and a variety of insurance products, including personal insurance, business insurance, and employee benefits. Among their offerings is long-term care insurance, which they include in their employee benefits section. As an independent agency, they have access to multiple insurance companies, allowing them to provide clients with various coverage options. Their commitment to customer service is evident through their 24/7 availability and a focus on building trusted relationships with clients.



Long Term Care Insurance Insights: Key Companies in Pennsylvania


CompanyHeadquarterSizeFoundedOwnership
Underwriters Brokerage ServicePittsburgh, Pennsylvania, United States (USA)11-501970Private
BGA Insurance GroupWest Conshohocken, Pennsylvania, United States (USA)11-502008Private
Body-Borneman Insurance, Inc.Boyertown, Pennsylvania, United States (USA)11-501962Family Owned
Gannon Associates InsuranceTowanda, Pennsylvania, United States (USA)51-2001973Private
T.W. Cooper InsuranceCoopersburg, Pennsylvania, United States (USA)11-501977Private
Kressler Wolff & MillerEaston, Pennsylvania, United States (USA)11-501923Private
URL Insurance GroupHarrisburg, Pennsylvania, United States (USA)11-501986Family Owned
AIMCOR Enterprise Insurance Group (AIMCOR EIG)Paoli, Pennsylvania, United States (USA)201-5002015Private
American Brokerage ServicesWyndmoor, Pennsylvania, United States (USA)11-501997Private
Michael A. Starr Insurance, Inc.Chambersburg, Pennsylvania, United States (USA)11-501989Private
Pinnacle Financial Services, Inc.Warminster, Pennsylvania, United States (USA)11-502001Private
Emmanuel InsuranceLower Gwynedd Township, Pennsylvania, United States (USA)11-502006Family Owned
YMI InsuranceStroudsburg, Pennsylvania, United States (USA)11-501955Family Owned
Fischer Insurance AgencyWilliamsport, Pennsylvania, United States (USA)1-101966Private
Baron Insurance GroupManheim, Pennsylvania, United States (USA)11-501965Private
Insurance Services of Zelienople PAZelienople, Pennsylvania, United States (USA)11-501980Family Owned
Trion Group, a Marsh & McLennan Agency, LLC CompanyKing Of Prussia, Pennsylvania, United States (USA)201-5001999Corporate
Douple Agency, IncEphrata, Pennsylvania, United States (USA)11-501941Private
Evergreen Insurance, LLCEbensburg, Pennsylvania, United States (USA)11-501980Private
Fringe Benefit ServicesPASharon, Pennsylvania, United States (USA)11-501970Family Owned
Spencer Insurance Agency, IncJenkintown, Pennsylvania, United States (USA)1-101963Family Owned
Eber & Associates Insurance ServicesPittsburgh, Pennsylvania, United States (USA)1-102001Private
Penn Summit Insurance Agency LLCChalkhill, Pennsylvania, United States (USA)11-502008Private


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