Employer Excess Funding - Example:
$1200 benefit per year funding ($100/ month PAC)

IF: only $700 used by employee ....
The $500 left can be:
1/ returned to business;
2/ added to Employee's next year's benefit; or
3/ prepay next year's funding

Employee advantage: Cash Control - means each employee can choose where to spend their benefit $$'s.

Employer advantage: Cost Control - means no more increasing premiums that create pressure to reduce benefits. Employers can also choose to increase benefits; when they want. (Note: Certain rules apply. Ask for details.)