[humblegunner]

At thirty years, this is roughly equivalent to $40,000 per year in pension and benefit payments

It may be less, depending upon how it's calculated.

I may be covered for $100,000 worth of medical work
but if all I use is $50.00 worth of linament for my bad knees,
is it still counted as $100,000 worth of benefits?

[AlmaKing]

You’re having a discussion with yourself?