In 1934, Carroll Abrams started the General Insurance Agency in Georgetown, SC. From those humble beginnings, Senior Benefit Services has evolved into an Independent Marketing Organization (IMO) specializing only in the senior insurance market. We provide independent brokers and large brokerage firms with top contracts from over 30 Senior Market Insurance Carriers, allowing them to address the full range of their clients’ planning needs.
While there are many IMOs in the industry, very few immediately respond to the needs of independent agents. Our reputation has been built on superior customer service and exceptional support. Whether your client is considering retirement or already there, our purpose is to exceed your expectations, allowing you to confidently build your practice, your life, and your client’s legacy.
Click on a Staff Member’s Name Below To Go Directly to Their Bio
Leadership Team
| David Kurtz President |
David Jones Vice President |
Meet Our Support Staff
| Kiley Kolius New Business Specialist |
Kristen Coover Commissions Specialist |
C&L Contracting and Licensing Specialist |
| Charles Gamache Marketer |
Melanie McClanathan Office Manager and New Business Lead |
Rachel Olson New Business Specialist |
| Cassidy Timms Administrative |
Leadership Team
David Kurtz
President
David, 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.
Click Here to Connect with David on LinkedIn
David Jones
Vice President
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, David 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.
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. He enjoys spending time with his two boys Abe and Max and lives in Hagerstown with his beautiful Fiancée Tara.
Click Here to Connect with David on LinkedIn
Ops Center Staff
Kiley Kolius
New Business Specialist
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.
Kristen Coover
Commissions Specialist
My favorite quote is: “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 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.
Charles Gamache
Marketer
Favorite Quote: The future belongs to those who believe in the beauty of their dreams. – Eleanor Roosevelt
What is something within the healthcare industry you want to fix? If I could address one issue within the healthcare industry, it would be improving transparency and simplicity in insurance coverage and costs.
What do you do at Senior Benefit Services? Marketer, Educate, recruit and support independent Health Insurance Agents.
What do you like about working at Senior Benefit Services, Inc.? I like working with a supportive team that values innovation and fosters professional growth.
Melanie McClanathan
Office Manager and New Business Lead
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 difficult 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 Inc.; 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,t 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.
Click Here to Connect with Melanie on LinkedIn
Rachel Olson
New Business Specialist
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.
Cassidy Timms
Administrative Assistant
Favorite quote: “The ultimate measure of a man is not where he stands in moments of convenience and comfort, but where he stands at times of challenge and controversy.” – Dr. Martin Luther King Jr
What aspect of the healthcare industry do you want to fix? I want to help improve healthcare accessibility so that everyone, regardless of background or circumstances, can receive the care they need. I believe care should be easier to understand, more inclusive, and available to all.
What do you do with Senior Benefit Services? As an Administrative Assistant at Senior Benefit Services, I serve as the vital first point of contact for clients and partners, ensuring seamless communication and scheduling for our team of agents. I pride myself on creating an efficient, well-organized office environment that allows our advisors to focus on what matters most – helping seniors navigate their benefit options with confidence.
What do you like about working at Senior Benefit Services, Inc.? Everyone is so kind, welcoming, and ready to help each other out.
What is your background? Born in Queensland, Australia, and came to the US in 2007 with my family! I competed in gymnastics until age 16 and went on to become a Junior Olympic Developmental Coach, traveling throughout the region. Since then, I’ve worked primarily in administrative roles, with accounting always part of the mix. I have always enjoyed working with numbers and learning more about the business side of things.
What values drive you? Integrity, Accountability, Generosity, and Open-mindedness
What activities do you enjoy doing when not at work? I enjoy spending time with my two cats and my partner, watching movies, playing games, and going on adventures. I also enjoy all kinds of music, arts and crafts, baking, singing, and dancing!