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David Kurtz

David is the President of Senior Benefit Services and a proud 3rd-generation insurance professional has dedicated his life to ensuring exceptional service for clients. His journey began at the young age of 14, working alongside his father to file Medicare claims and master the intricacies of medical underwriting.

Before fully immersing himself in the insurance industry, David served honorably in the United States Marine Corps and earned his Bachelor of Arts degree from Winthrop University. For over 30 years, his unwavering commitment to excellence has shaped Senior Benefit Services into a trusted leader in the Medicare space.

A visionary in the industry, David has played a pivotal role on advisory boards for leading insurance companies and contributed to the creation of several innovative insurance plans now available nationwide.

When he’s not championing client needs, David cherishes time with his wife Priya, his steadfast partner of more than three decades, and their two children. His leadership continues to be driven by a deep passion for service, innovation, and community.

David Jones

Before joining Senior Benefit Services, Inc. in 2018 David worked with hundreds of clients, from medical offices to legal practices to industrial companies, helping them navigate their company retirement plans with expertise in assisting clients to build 401(k) plans that balanced the changing demands of the business and regulatory environment with employee needs. During this time, he held Series 7, 63, and 66, and life and health insurance licenses. A graduate of Elon University (NC) with a BS in Political Science, he currently serves as the Vice President of Senior Benefit Services, Inc.

Along with life and health insurance licenses he holds the Registered Social Security Analyst designation allowing him to help Senior Benefit Services, Inc. clients analyze and optimize their Social Security benefits.

David lives in Hagerstown with his beautiful wife, Tara. He enjoys spending time with his two boys, Abe and Max. He is a lifelong sports enthusiast with a passion for the Las Vegas Raiders and Miami Hurricanes football teams. He served as the President of FC Frederick (Frederick, MD), Locomotive FC (Hagerstown, MD) was the President and Executive Director of Liverpool FC International Academy Western Maryland, where he coached and oversaw the day-to-day operations of the club, reporting directly to the Liverpool FC Academy in England.

Melanie McClanathan

Favorite quote:  “There are going to be times where you will have bad days, bad weeks, and even sometimes bad months – but remember rainbows always come after the darkest storm” – Demi Lovato

What aspect of the healthcare industry do you want to fix? I would love to be able to fix the customer service issues at some of the carriers we deal with. Sometimes it can be not easy to get the needed answers and help. I navigate this by being persistent, asking follow-up questions, and communicating with the agents and clients regarding the outcome.

What do you do at Senior Benefit Services?  I am the Vice President of Operations for all three of our locations (Hagerstown, Cumberland, and Thurmont) ensuring the offices are running smoothly and efficiently. I have been with SBS Inc. since 2008. One of the most important aspects of my job is to ensure the staff are happy and well-trained providing the best client and agent support possible.

What do you like about working at Senior Benefit Services, Inc.?  I love the family atmosphere at Senior Benefit Services, that is probably the best thing. I like that every day has its routines, but challenges also help keep each day fresh and rewarding.

What’s your background?  I grew up and currently live in Greencastle, PA. Before working for Senior Benefit Services, I was in college studying to become an RN while working in retail. I have always enjoyed paperwork (there’s a lot of it in insurance!) and helping people.

What values drive you? Perseverance and determination: I overcame a lot of obstacles in high school which taught me to be resilient. Enthusiasm and optimism: I always look for and hope for the best in people. Hardworking: If I am not striving to do my best and not putting forth my best effort I don’t feel like I was successful.

What activities do you enjoy doing when not at work?  When not in the office, I can be found sitting at the ice rink for my daughter’s hockey practice or my husband’s game. Ice hockey is a family activity and passion for us, especially catching a Hershey Bears or Pittsburgh Penguins game. Outside of hockey, I enjoy taking dance classes (ballet, jazz, and tap), reading, being active outside, and baking.

Heather Ketchens

Favorite quote: “Carry out a random act of kindness, with no expectation of reward, safe in the knowledge that one day someone might do the same for you.” – Princess Diana, Princess of Wales

What aspect of the healthcare industry do you want to fix? I would make it more accessible for everyone, more expansive to include necessary care, and easier to understand.

What do you do with Senior Benefit Services? I am the licensing and contracting specialist for Senior Benefit Services. My job is to handle all licensing for our agents and initiate contracting with the carriers.

What do you like about working at Senior Benefit Services, Inc.? I like the small company atmosphere, which allows the team to be closer-knit.

What is your background? I have an extensive customer service background and years of experience as a first responder. I am in school to get my degree to continue my education in healthcare.

What values drive you? I believe that honesty and integrity drive me every day to apply my best self in everything I do.

What activities do you enjoy doing when not at work? Outside of work, I enjoy spending time with my two dogs, reading, hiking, kayaking, and relaxing with a cup of tea.

Kiley Kolius

Favorite Quote: “It’s better to try and fail than to not try at all” – Zubair Durrani

What aspect of the healthcare industry do you want to fix? Many things within the healthcare industry could be improved. One that comes to mind is the accessibility and affordability of healthcare services. It would be amazing if everyone had equal access to quality healthcare without the burden of high costs.

What do you do at Senior Benefit Services, Inc.? In my role as a new business specialist, I ensure that all applications are promptly submitted for approval and keep track of them during the underwriting process to guarantee seamless approval.

What do you like about working at Senior Benefit Services, Inc.? I love the family atmosphere for sure! I also love that everyone is so helpful around here.

What’s your background? I grew up and lived in Frederick, Maryland for 19 years and moved to Williamsport, Maryland. I went to Frederick Community College where I earned my Associate Degree. Once I graduated, I left my part-time job at Bed Bath and Beyond and have been blessed to be part of an amazing team here at Senior Benefit Services since 2023.

What values drive you? I am driven by values like kindness, curiosity, and creativity. I love connecting with people, learning new things, and helping whenever I can.

What activities do you enjoy doing when not at work? I enjoy weightlifting, spending quality time with my family, Fiancé, and my pets, as well as traveling to new destinations.

Rachel Olson

Favorite quote: “The meaning of life is to find your gift.  The purpose of life is to give it away.” – David Viscot

What aspect of the healthcare industry do you want to fix?  I wish providers would stop pushing medication on patients and start looking for the root cause of their health issues.  Medication is 100% necessary for a lot of situations. Reviewing and modifying a person’s diet, exercise and lifestyle would be a healthier, more natural remedy to many common health issues.

What do you do at Senior Benefit Services? As a New Business Specialist, I check all new applications for accuracy before I send them off to the carriers for processing. I make sure all applications are submitted promptly, monitoring them through the underwriting process to provide a smooth and quick approval time.

What do you like about working at Senior Benefit Services, Inc.? The company culture at Senior Benefit Services is top-notch. I genuinely enjoy the people that I work with and the policies they have in place for their employees. I feel valued and appreciated every single day.

What’s your background? I worked for Greencastle Antrim School District as a classroom teacher for 17 years before retiring early and joining the staff at Senior Benefit Services. I taught grades K, 2nd, and 3rd.

What values drive you? I am driven by hard work and integrity.  As a parent, I strive to be a role model for my kids. At work, I pride myself on doing the absolute best job I can to keep my department organized and running smoothly.      

What activities do you enjoy doing when not at work? When I’m not working, I enjoy spending time with my husband, two children, and our dogs. I also enjoy cooking, reading, listening to live music, and spending time at the beach.

Laury Skidmore

Favorite quote: “Be on guard. Stand firm in the faith. Be courageous. Be brave.”-1 Corinthians 16:13

What do you do at Senior Benefit Services? I am one of two Administrative Assistants in our Cumberland, MD office. My responsibilities include scheduling appointments for prospective and existing clients, supporting our office’s advisors, and answering any questions our clients may have about their insurance needs. I enjoy working with our clients helping to make them feel comfortable and welcome in our office.

What do you like about working at Senior Benefit Services, Inc.? It’s great to work in an environment where everyone has a voice and the staff is encouraged to express their concerns and ideas.

What’s your background? I spent a few years in retail before transitioning to financial services. My time at the credit union prepared me well for the challenges and workload here at Senior Benefit Services, Inc. I have been married for 10 years and have a 9-year-old son.

What values drive you?  Strong work ethic, honesty, reliability, and loyalty.

What activities do you enjoy doing when not at work? Spending time with my family camping and cheering on my husband and son from the sidelines at the racetrack.

Kelly Phillips

Favorite quote: “Happiness can be found even in the darkest of times if one only remembers to turn on the light.” -Albus Dumbledore

What aspect of the healthcare industry do you want to fix? The ease at which you can contact an insurance company whether it be an issue that needs resolved or just general questions. The wait times are unbearable and can be frustrating for our clients.

What do you do at Senior Benefit Services? I am an Administrative Assistant in our Cumberland office happily serving both the clients and agents with their everyday needs.

What do you like about working at Senior Benefit Services, Inc.? Even though I haven’t been here long, I like the fact that it feels like I’ve known my co-workers for years. Also, the gratification I get from assisting our clients is another reason why I like my job.

What’s your background? I spent 14 years in medical billing where I learned a lot about insurance and how it works. This has allowed for a smoother transition into helping our clients deal with their insurance policies and any questions they might have.

What values drive you? Above all, I strive to be kind, honest, and loyal, and I value anyone who has a good work ethic.

What activities do you enjoy doing when not at work? I enjoy spending time with family and friends, reading, and taking trips to the beach!

Charles Gamache

Favorite quote: Everything happens for a reason, and that reason is growth if you choose to grow from it

What problem within the healthcare industry do you want to fix? I want to help agents and brokers understand how to utilize their licenses and make it easy to offer the products their clients need. I want to ensure that the agents and brokers have the support and knowledge I wish I had when I started in this industry.

What do you do at Senior Benefit Services? I am a Marketing Specialist. My job is to communicate and support the brokers and agents, grow their business, and support their clients by offering the most comprehensive portfolio of products.

What do you like about working at Senior Benefit Services, Inc.? What I like most about working at Senior Benefit Services is the support and engagement. Every person I work with is very friendly, and it is a welcoming environment. Every day, you learn something new and sharpen your tools.

What’s your background? I was born and raised in Pompano Beach, Florida. My wife, baby girl and I moved to Hagerstown in July of 2024. I have coached and managed multiple teams within the fitness industry, worked as an electrician, and I have worked as a licensed agent in the insurance industry since 2018.

What values drive you? What drives me is growth, faith, and dependability. I am always looking to become the strongest version of myself for myself and my family in any way I can. I enjoy seeing that in others and helping them achieve it. I am a person who has always liked to help others, and sometimes an open ear or conversation is all someone needs to change their life and those around them.

What activities do you enjoy doing when not at work? I enjoy spending time with my wife and daughter when I am not working. We like to watch shows or movies, cook, and when it’s nice out, we will go hiking or to a park. We also love to travel to new places or explore the places we know.

Barb Plovock

Favorite quote: “Strive not to be a success, but rather to be of value.” Albert Einstein

What aspect of the healthcare industry do you want to fix? I would like to see the transition from the workforce into retirement simplified. The rising cost of prescription medications is also an issue that I’m happy to see is starting to be addressed at the federal level.

What do you do at Senior Benefit Services? I am the Administrative Assistant for our Thurmont, MD office. My responsibilities include scheduling appointments for prospective and existing clients, supporting our office’s advisors, and answering any questions our clients may have related to their insurance needs. I maintain a positive attitude, so each client feels they have had a comfortable and satisfactory experience.

What do you like about working at Senior Benefit Services, Inc.? I enjoy working with people, and so my role at Senior Benefit Services is a perfect fit. The opportunity to help simplify our clients’ lives as they transition from the workforce to retirement is very satisfying to me.

What’s your background? I grew up in a small Southwestern Pennsylvania coal mining town, relocating to the suburbs of Washington D.C. in the mid-1980s. While there I worked in hospitality for the Marriott Corporation. In the late 1990’s, I moved to South Central Pennsylvania to raise a child, working in the local school district as an administrative assistant. I joined Senior Benefit Services Incorporated in 2013.

What values drive you? Hard work and integrity are very important to me. Almost every situation in life is a “you reap what you sow” opportunity, and I try very hard to find success in everything that I do.

What activities do you enjoy doing when not at work? I enjoy being outdoors, hiking, and power walking. My daughter lives in Pittsburgh, Pennsylvania, where I enjoy visiting with her family. We also enjoy vacations at the beach.

Kristen Coover

Favorite quote: “If you are unwilling to learn no one can help you. If you are determined to learn, no one can stop you.” – Unknown

What do you do at Senior Benefit Services? I work as a liaison between the insurance carriers and our advisors to resolve commission questions/concerns. My primary responsibility is to reconcile commission statements and payments ensuring that our advisors and brokers are compensated on time.

What do you like about working at Senior Benefit Services, Inc.? I enjoy the sense of family in our office. We all work together to help and support each other. Been with the company since 2019.

What’s your background? I grew up in Chambersburg, PA. I started working in the hospitality industry, eventually working my way into the accounting department. I have always enjoyed working with numbers and solving any financial challenges that businesses face.

What values drive you? My family inspires me to do more. I want them to continue to grow and develop throughout their adult lives; stressing to them that helping out others is life’s greatest reward.

What activities do you enjoy doing when not at work? In my free time, I enjoy sitting on my deck and reading a good book.

Kyle Thompson

Favorite Quote: Healthcare’s a puzzle missing a piece ~ Self

What aspect of the healthcare industry do you want to fix?  I want to improve the accessibility and clarity of healthcare information, ensuring that Seniors can easily understand their benefits and make informed decisions.

What do you do at Senior Benefit Services? I optimize digital marketing strategies to connect seniors with the best Medicare solutions, ensuring they get the information and support they need from a Local Maryland Medicare business.

What do you like about working at Senior Benefit Services, Inc.? I appreciate the company’s commitment to honesty and transparency in serving Seniors. Knowing that our work makes a difference in people’s lives is rewarding. The office culture at Senior Benefit Servics Inc. is top-notch.

What’s your background? I have a Bachelor’s Degree in Marketing and Media and have worked in Marketing since 2011. I focus on digital strategies that drive growth and engagement.

What are the values that drive you? Honesty, transparency, and a genuine desire to make a positive impact drive me. I believe in creating meaningful connections through authentic communication.

What do you enjoy doing when you’re not working? I love spending time with my Wife and cooking. I also love spending time outdoors, whether hiking, camping, or simply enjoying nature. It helps me recharge and find inspiration for creative marketing campaigns.