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To a large pot over medium-high heat, add the vegetable oil. Once hot, add the sliced kielbasa. Cook until the kielbasa is browned on both sides, about 7-9 minutes. Remove the kielbasa from the pot and set it aside on a plate to keep warm.
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In the same pot, melt the butter. Add the chopped onion, carrots, garlic, salt, and pepper. Stir to combine. Cook for an additional 10-12 minutes, or until the onion becomes translucent and the carrots start to soften.
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Sprinkle the flour over the vegetables and stir well. Continue cooking for another minute.
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Pour in the chicken broth, milk, and Worcestershire sauce. Stir to combine. Bring the mixture to a simmer.
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Return the browned kielbasa to the pot. Add the beans.
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Reduce heat to medium-low and simmer, stirring occasionally until thickened, about 15-20 minutes.