[reverendsteveii]

So what you're saying is when I file a claim and it's paid (precious miracle that that is) it comes from my employer and not the insurance company?

[sgerenser]

Most likely, if you’re in a medium to large company (not sure the cutoff, probably somewhere around 500-1000 employees). Smaller companies will generally actually need the insurance company to be the payer as well since otherwise one or two huge payouts could bankrupt them.