RE: Do you have worms in your fish?
We have them here in western NY also... As other posters have said, warmer shallower waters seem to be more likely to be infested than deep, cold water...If there are only a few of the little critters I pop 'em out with the point of my knife...Once or twice I've caught fish with so many grubs that I threw them out..
I've never seen them in trout, pike or walleyes...Seen plenty in bass and panfish, especially bluegills and sunfish, but sometimes in perch and crappies also..