Well let's see...hmm...it maybe 20% that the employer pays on your behalf for FICA etc. Is the amount you're getting close to what your net paychek is after FICA witholdings?
Crude example: Gross pay is $1,000 a week. After FICA witholdings your actual paycheck is $800. Since the insurance payment is not subject to FICA they figure you are "whole" at $800....your take home is the same as if you had worked.
Just a guess and maybe way off base. At any rate, good luck!
