Benefits are paid directly to you. All benefits you receive are yours to use as you please. Pay hospital, doctor or other miscellaneous medical expenses. Pay at-home expenses or continuing monthly bills. The choice is yours!
No tax is payable on your monthly benefits as long as you, not your employer, pay the entire premium. If you use the premium under a pre-taxed section 125 plan, your benefits are taxable. Please consult your tax advisor.