PKA Insurance Group Inc

In general, disability insurance can be split into two types: private insurance (individual or group policies purchased from an insurance company) and government insurance (social insurance provided through state or federal governments). Private disability insurance refers to disability insurance that you purchase through an insurance company. Many types of private disability insurance exist, including individual policies, group policies, group association policies, specialized group policies, and riders attached to life insurance policies. Depending on the type of policy chosen, private disability policies usually offer more comprehensive benefits to insured individuals than social insurance. Individually owned policies may offer the most coverage, followed by group policies offered by an employer or association.

Today, a competitive employee benefit package can play an important role in an individual’s employment decision making. An attractive employee benefit package will not only assist you in obtaining services that you might not otherwise be able to afford, but it might also be able to provide you with significant tax benefits. We offer the following benefits for your employees. We provide voluntary (Employee paid) and employer paid options for as low as 2 lives and above on a guaranteed issue basis. Guaranteed issue means there are no medical questions to qualify (Group Dental Insurance, Group Long Term Disability Insurance, Group Short Term Disability Insurance, Group Life Insurance, Group Health Insurance, Group Long Term Care Insurance)

We know that the reasons to travel abroad are many and varied - that's why our products are too. Our full-service approach to providing international medical insurance products includes servicing vacationers, those working or living abroad for short or extended periods, people traveling frequently between countries, and those who maintain multiple countries of residence. To meet all of these needs, we have developed a comprehensive range of major medical, life, dental and disability products that can be tailored to meet your needs.

You know that you need life insurance. However, with the wide variety of insurance policies available, you may find choosing the right one difficult. It’s really not as confusing as it seems, however, once you understand the basic types of life insurance policies such as Term Life Insurance, Traditional Whole Life Insurance, Universal Life, Joint or Survivorship Life for you and your spouse etc.

Long term care is the assistance provided to a person who has a severe cognitive impairment requiring continual supervision or is unable to perform the activities of daily living (such as bathing, dressing, or getting up from a bed or chair). Long term care services may also include assistance with day to day activities such as medication management, personal hygiene, light housekeeping or meal preparation. Services provided by a physical, respiratory or speech therapist may also be included. Long term care can be provided in your home, an adult day care, assisted living facility or a nursing home.