In article ,
Steve Stone wrote:


but claim payments come out of the employer pocket, not the insurance
company pocket.

That depends a little on how the plan is set-up. Many companies may
re-insure or essentially lay off part of the risk to another company.
Think of it as the company's version of a deductible.

--
Searching is half the fun: life is much more manageable when thought
of as a scavenger hunt as opposed to a surprise party.
Jimmy Buffett