Also don't forget that say you do the LOM insurance and you start a different job because lets face it $24k/year isn't enough. they don't pay the $24k on top of what you earn at your different job. they split the difference. So you get a job a Home depot at $8/hr. they will only pay the difference of what you make at home depot and what you selected for your plan. And then there is also STD and LTD which goes into pay and I have no clue if LOM is paid on top of that or only after that is used up or what the case is. Lots of gotchas and isn't as simple as they made it sound previously