Our Experts


First and foremost, Chesapeake Benefit Services strives to maintain the highest level of professional and ethical standards.

As an independent brokerage firm, we are not committed to any one product or vendor. Our recommendations are based solely on the needs of the customer and what makes sense for them.

We represent a broad line of product. We offer a wide assortment of high-quality products from a broad range of vendors. In addition to conventional insurance products, Chesapeake Benefit Services markets a number of unique product offerings. These include group and individual medical, high deductible major medical for individuals, and short-term medical for non-COBRA individuals.

We believe that each customer is unique. We are independent in our judgment and comprehensive in our approach to customer solutions. We understand that different customers will have different needs.

Chesapeake Benefits is staffed to handle all phases of new business development and implementation. However, we believe the real value of our partnership begins after the sale. We maintain customer support every step of the way to serve as their advocates for all of their benefit plans.

Our customers can expect to communicate with us in a new and more efficient ways by means of enhanced technology.

Lori Kern

Lori Kern

President, Group Consultant and Senior Broker

With over 25 years of experience working with employee benefits, Lori brings a level of expertise that incorporates all facets of a benefit consultant. With knowledge and work experience from an employer, carrier and broker perspective, Lori is able to develop and preserve client relationships to the highest degree.

Michelle Christopher

Michelle Christopher

Claims Manager

With over 12 years of experience in human resources and employee benefits, Michelle provides knowledge and understanding in claims resolution and benefit implementation. Michelle provides daily support with benefit claims, as well as ongoing assistance with customer service. Michelle also works directly with individuals to obtain personal insurance plans, as well as Medicare.


Meryl Kern

Meryl Kern

Account Representative

With previous experience in customer service, Meryl is able to provide effective communication and support to all existing clients, as well as potential new business. Meryl assists with employee enrollment changes as well as benefit plan administration.


(410) 778-9008

860 Washington Ave

Chestertown, MD 21620

We will call you.

Our Services

Life and A.D & D.
Short Term Disability
Long Term Disability
Long Term Care