Bachelor magna cum laude, Union College, 1968. Master of Business Administration, University Kentucky, 1975.
Manager pensions, pension actuary Textron Corporation, Providence, 1980—1982. Director division medicare cost estimates Health Care Financing Administration, Baltimore, 1982—1984. Actuary Group Hospitalization, Washington, 1984.
Director actuarial division Blue Cross Insurance Kentucky, Louisville, since 1984.
Member of American Academy Actuaries (member subcommittee federal impact role health actuary 1982-1984), Society Actuaries (associate).
Married Colleen Ann Gibbons, December 22, 1970. 1 child Richard Keith.