Protect Your Employees Beyond Paychecks with Group Life & Disability Insurance

Health Coverage Employees Want, From a Team You Can Trust

For most employees, a paycheck is just the beginning. What happens if illness or injury keeps them from working—or worse, if a family loses their primary provider? Group life and disability insurance helps small businesses support their teams through life’s biggest challenges. These benefits aren’t just appreciated—they’re remembered.


At Mylet & Musselman Insurance Group, we work with employers across Gettysburg, Mountain Top, Hanover, and nearby Pennsylvania towns  to create group benefit packages that include income protection and peace of mind. Whether you're offering base-level life and disability or building in voluntary buy-up options, we’ll help you choose what’s right for your team.

What’s Included in Group Life and Disability

Group life and disability policies can stand alone or be bundled with your health and dental plans. These policies are typically:

Employer-paid

for base coverage

Voluntary (employee-paid)

for additional protection

Group life insurance provides a lump-sum benefit to an employee’s named beneficiary in the event of death. Standard base amounts often range from $25,000 to $50,000, with optional increases available

.

Group disability plans come in two forms:

Short-Term Disability (STD)

provides partial income (usually 60–70%) for several weeks following illness, surgery, or injury.

Long-Term Disability (LTD)

extends those benefits for months or even years if recovery is slow or unlikely.

We help you decide what to offer, how to structure contributions, and what eligibility rules make sense for your business size.

Why Employers Choose to Offer These Benefits

While not legally required, group life and disability benefits can dramatically improve employee morale and loyalty—especially in small businesses where every team member plays a critical role. These policies:


  • Help reduce financial hardship during medical leave or after tragedy
  • Offer meaningful benefits at a relatively low cost
  • Enhance your overall compensation package in a competitive market
  • Send a clear message: we’ve got your back when life gets hard

We work with carriers that support small-group underwriting and fast policy setup—even if you’re offering benefits for the first time.

Person holding scales of justice, gavel on table, legal setting.

Frequently Asked Questions

  • Can I offer group life and disability without offering health insurance?

    Yes. These benefits can be offered independently, though many businesses bundle them for convenience. We’ll help you build the right combination based on budget and priorities.

  • How much does group life insurance cost?

    Rates depend on group size, average employee age, and benefit levels. Basic life coverage is often very affordable—sometimes just a few dollars per employee per month.

  • Does disability coverage protect the business too?

    It can. Offering disability insurance helps reduce turnover and absenteeism, and it can also ensure smoother transitions when employees need time away to recover.

  • Are these policies portable if an employee leaves?

    Some carriers allow for portability or conversion to individual policies. We’ll show you which plans offer that flexibility and help employees understand their options.

Criminal Defense FAQs in Texas

Answers to common questions from clients.

  • What should I do if I’m arrested in Houston?

    If you’re arrested in Houston or Harris County, remain calm and exercise your right to remain silent. Do not answer questions or give statements to police without speaking to a criminal defense lawyer. Contacting a Houston attorney as soon as possible allows your legal team to begin protecting your rights and preparing your defense. Early legal guidance can make a major difference in the outcome of your case.

  • Will I lose my license after a DWI in Texas?

    A DWI charge in Texas can result in a driver’s license suspension, even before your case goes to trial. You must request an Administrative License Revocation (ALR) hearing within 15 days of your arrest to challenge the suspension. Our Houston DWI lawyers help clients handle both the criminal case and the license hearing. Acting quickly is key to preserving your ability to drive.

  • Can a drug charge be dismissed in Texas?

    In some cases, yes—especially for first-time offenders or minor possession charges. Dismissals may occur due to unlawful search and seizure, lack of probable cause, or procedural issues. In Harris County, certain diversion programs and pretrial interventions may also lead to case dismissal. A Houston drug crimes attorney can evaluate your case and advise on your eligibility for these options.

  • What are the penalties for assault charges in Texas?

    Assault charges in Texas range from Class C misdemeanors (with fines) to first-degree felonies (with lengthy prison sentences). Aggravated assault or family violence allegations carry enhanced penalties and may include restraining orders or loss of firearm rights. In Houston, assault cases are prosecuted aggressively, making it essential to have a knowledgeable criminal defense attorney. A thorough defense can challenge witness accounts, intent, or the nature of the incident itself.

  • Do I have to register as a sex offender in Texas?

    If convicted of certain sex crimes in Texas, registration as a sex offender is mandatory—sometimes for life. This registry is public and can affect housing, employment, and social relationships. Our Houston sex crimes defense attorneys work to minimize exposure to long-term consequences, including avoiding conviction when possible. If registration is required, we also guide clients through compliance and possible deregistration steps in the future.