Chuck Krugh
Chief Executive Officer
Chuck Krugh is a highly accomplished and experienced financial professional, with a deep understanding of the financial needs and goals of physicians and dentists. He is a Certified Financial Planner (CFP), Chartered Life Underwriter (CLU), and Chartered Financial Consultant (ChFC). Chuck is also an entrepreneur, and the founder and CEO of Doctor Disability, where he and his team have helped over 20,000 physicians and dentists find disability insurance.
Chuck’s personal experience with the importance of disability insurance, shaped his mission to provide financial security for his clients. As a child, Chuck’s father suffered a major heart attack and was never able to return to work. Thankfully, his family was covered by disability insurance which provided the income they needed to survive financially. This experience motivated Chuck to ensure that others have the same protection and security for themselves and their families.
Chuck is also dedicated to education and the well-being of children. He is the co-founder of Foundations Cognitive Schools, an organization that helps children overcome learning challenges. The school helps the children improve brain speed, auditory/visual processing, attention, memory, and coordination so they can have greater success in school and life.
Chuck is married, has four children, and enjoys playing beach volleyball and golf on the weekends. He is dedicated to helping others achieve their financial and personal goals, and is a respected leader in his community.
Beth Aroz
Senior Insurance Advisor
Beth is a dedicated and licensed insurance agent who has been with DoctorDisability for over 7 years. With a genuine passion for helping others, Beth excels in guiding physicians through the process of securing disability insurance, providing financial security to thousands of doctors across the country. She believes that every client is unique and takes pride in customizing tailored insurance plans that best fit each individual’s needs.
A native of Southern California, Beth enjoys spending her free time exploring new adventures with her husband, daughter, and her beloved senior dog, Mr. Fox. When she’s not with family, she finds joy in creative pursuits like interior design and home organization, blending her love for aesthetics with her talent for structure and planning.
Beth’s enthusiasm for insurance and her commitment to personalized service make her a trusted advisor for the medical community, ensuring her clients have the protection they need for their financial future.
Kristen Giancola
Underwriting Specialist
Kristen is DoctorDisability’s go-to expert when it comes to navigating the underwriting process. Acting as your personal advocate, Kristen is dedicated to ensuring your disability insurance policy is approved quickly and efficiently. She keeps you informed every step of the way, answers any questions you may have, and serves as the liaison between you and the insurance company to make the process as seamless as possible. Kristen’s top priority is making sure you are satisfied with the underwriting experience, and her commitment to exceptional customer service shines through in her quick responses and personalized support.
Outside of work, Kristen enjoys spending time with her husband and their two huskies, Piper and Cooper. An avid traveler, she loves exploring new places, and when she’s home, you can find her cheering on the Philadelphia Eagles as one of their biggest fans.
With her passion for customer service and deep knowledge of the underwriting process, Kristen ensures every client’s journey to securing disability insurance is smooth, informed, and stress-free.
Jessica Lyon
Senior Insurance Advisor
With seven years of experience in the insurance industry, Jessica is a trusted and knowledgeable advisor at DoctorDisability. She has developed an extensive understanding of the unique needs physicians and dentists face when it comes to disability and life insurance. Her commitment to helping others is reflected in her client-first approach, where she focuses on building relationships and ensuring that each individual receives the best protection tailored to their specific needs.
Before joining DoctorDisability, Jessica successfully owned and operated her own business, gaining invaluable experience in customer service, problem-solving, and strategic planning. These skills allow her to provide an exceptional level of care and attention to detail, ensuring that her clients are fully informed and confident in their decisions.
Jessica is passionate about helping others achieve peace of mind, especially when it comes to safeguarding their financial future and health. Outside of work, she is a dedicated wife and mother of four, managing both a busy family life and a rewarding career. Her personal and professional experiences uniquely position her to understand the importance of comprehensive insurance coverage for her clients.
Katie Merrick
Quote Specialist
Katie brings her passion for finding great deals and her dedication to helping others to her role as a Quote Specialist at Doctor Disability. With a background as a Retirement Educator, she deeply understands the importance of protecting your assets and income. Her motto, “People don’t plan to fail, they just fail to plan,” reflects her commitment to ensuring clients are prepared for whatever the future holds.
When she’s not helping clients secure the best rates and coverage, Katie loves spending time outdoors and reconnecting with nature. Whether she’s sipping coffee in the morning sun, strolling along the beach at sunset, or gardening, she believes that slowing down and grounding herself in nature is a key to happiness.
Katie also enjoys thrift shopping and hunting for treasures at garage or estate sales—an enthusiasm she channels into finding the best deals for clients. Her passion for helping others and her knack for uncovering value make her an invaluable part of the Doctor Disability team.
Madison Koelliker
Client Service
Madison is the Client Service Specialist at DoctorDisability, where she ensures every client feels supported and confident with their policy. Known for her attention to detail and efficiency, Madison takes pride in providing top-notch service that helps deliver financial security to physicians and their families.
Born and raised in sunny Southern California, Madison loves being near the water and embraces an active lifestyle. When she’s not working, she enjoys spending time with her family, friends, and her cat, Honey. A creative soul, Madison finds joy in crafting, exploring new hobbies, and discovering the best local spots for Mexican food. She also loves cheering on her nieces and nephews at sports events and catching a baseball game whenever she can.
Madison’s commitment to excellence and passion for helping others make her a vital part of the DoctorDisability team, ensuring every client’s needs are met with care and precision.
Micah Munck
Marketing Manager
Micah is the Marketing Manager at DoctorDisability, where he brings creativity and strategy to meet the company’s marketing needs. In addition to his marketing role, Micah supports clients with their requests and quotes, ensuring every physician receives personalized care and the resources needed to succeed. His dedication to excellence plays a key role in providing financial security for doctors across the country.
Born and raised in Southern California, Micah graduated from Vanguard University and proudly embraces his West Coast roots. A lifelong lover of theater and film, he enjoys performing and expressing his creative side through the arts. When he’s not on stage or behind the scenes, Micah loves spending time with his wife, Leilani, and enjoying time with family and friends. His other passions include fitness, long walks, and video games. He also enjoys a good cup of black coffee and a good meal.
Micah’s passion for storytelling, creativity, and helping others makes him an integral part of the DoctorDisability team, ensuring every client feels confident and secure in their financial future.
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