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.
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