{"id":21,"date":"2018-08-08T18:00:22","date_gmt":"2018-08-08T18:00:22","guid":{"rendered":"https:\/\/benefitwriters.com\/?page_id=21"},"modified":"2026-10-26T17:49:55","modified_gmt":"2026-10-26T17:49:55","slug":"group_quote","status":"publish","type":"page","link":"https:\/\/benefitwriters.com\/?page_id=21","title":{"rendered":"Group Quote"},"content":{"rendered":"<p><div  class=\"jk_fe_section jk_fe_fullwidth_section jk_section_regular jk_effect_parallax \" style=\" background-color:#efefef;      \" >\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"container \" style=\"width:100%;\">\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"row   \" style=\"                \" id=\"\">\n\t\t\t\t\t<div class=\"col col-lg-12 col-md-12 col-sm-12 col-xs-12 \" data-col-type=\"4_4\">\n\t\t\t\t\t\t\t<div class=\"footer_col_set_min_height\"><div class=\"preview_layer_container\" 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data-module-id=\"4\">\n\t\t<div style=\"padding-top:10px;  padding-bottom:10px;     color:#000000;\" id=\"\" class=\"fe_text_mod jk_text_align_left \"  ><span class=\"entry-content text_mod_aln_mob_left\"><h1><strong><span style=\"font-size: 40px;\">Understanding the Difference Between Fully-Insured and Self-Insured Programs<\/span><\/strong><\/h1>\n<p>\n<span style=\"font-size: 15px;\">To an employee, a fully-insured health insurance plan should look and feel just like a self-insured plan. However, there are a few key differences business owners and leaders should understand before choosing one type of health insurance plan over another.<\/span><\/p>\n<h2><strong><span style=\"font-size: 25px;\">Fully-Insured Plans<\/span><\/strong><\/h2>\n<p>\n<span style=\"font-size: 15px;\">With fully-insured plans, the employer pays annual policy premiums to the insurance company. The amount of the premium payment varies but is generally based on the type of policy chosen and the number of employees to be covered under the plan. The insurance company pays claims that are covered under the terms of the policy, while the employer is only responsible for paying the policy premiums.<\/span><\/p>\n<p><span style=\"font-size: 15px;\">Fully-insured plans provide some financial certainty for the employer because the insurance company is assuming the risk. There are also very few administrative expenses related to the plan because the insurance company handles everything.<\/span><\/p>\n<h2><strong><span style=\"font-size: 25px;\">Self-Insured Plans<\/span><\/strong><\/h2>\n<p>\n<span style=\"font-size: 15px;\">In contrast, under a self-insured health plan, employers essentially act as their own health insurance company. Rather than paying premium payments to an insurance carrier, the business retains those funds, paying an insurance company or plan administrator to handle administrative tasks and claims management. Self-insured plans are also referred to as \u201cself-funded\u201d plans or \u201cAdministrative Service Only\u201d (ASO) plans.<\/span><\/p>\n<p><span style=\"font-size: 15px;\">Whatever you call them, while the plan may still be administered by a major health insurance carrier, the insurance company isn\u2019t actually on the hook for paying claims; the business itself is responsible for that. This can result in either additional savings to the employer, or additional risk, depending on plan participants\u2019 claims.<\/span><\/p>\n<h2><strong><span style=\"font-size: 25px;\">When to Choose Fully Insured vs. Self-Insured<\/span><\/strong><\/h2>\n<p>\n<span style=\"font-size: 15px;\">Deciding to offer employees fully-insured vs. self-insured health care plans should be done only after evaluating the benefits and drawbacks of each approach.<\/span><\/p>\n<p><span style=\"font-size: 15px;\">Fully-insured plans are the more traditional option. This type of plan tends to work well for smaller companies that don\u2019t have the financial resources \u2013 or the time \u2013 to self-insure. Because the insurance company handles all of the claims administration work, the company\u2019s owners or human resources staff are free to focus on growing the business without worrying about administering the plan.<\/span><\/p>\n<p><span style=\"font-size: 15px;\">Self-insured plans generally work well for companies looking for more customization of, and more control over, the plans they offer workers. Employers who choose self-insured plans like the fact that self-insuring creates the potential for lower out-of-pocket costs, both for the business and for employees participating in the plan.<\/span><\/p>\n<p><span style=\"font-size: 15px;\">Large businesses tend to prefer self-insured plans over fully-insured options. However, small- and mid-sized businesses can also choose self-insured health plans. Businesses of any size whose workforces are made up primarily of young, generally healthy workers may end up realizing significant cost savings by self-insuring if claims are few and relatively low.<\/span><\/p>\n<p><span style=\"font-size: 15px;\">Of course, nobody knows ahead of time what the coming year\u2019s claims experience will look like. Even young, seemingly healthy employees may have significant health care expenses. One protection for any company offering a self-insured plan is to purchase stop-loss insurance. This type of policy says that the insurance company will pay claims that exceed a predetermined amount. This can help limit the business\u2019 financial risk when choosing a self-insured plan.<\/span><\/p>\n<h2><strong><span style=\"font-size: 25px;\">Which Option Works for Your Business?<\/span><\/strong><\/h2>\n<p>\n<span style=\"font-size: 15px;\">Choosing a self-insured or a fully-insured health care plan for your business is a major decision. It\u2019s important to select a plan option that works for your business model and structure, and for your budget.<\/span><\/p>\n<p><span style=\"font-size: 15px;\">While fully-insured plans may be attractive because they allow businesses some budget certainty when it comes to health care costs, self-insured plans can ultimately be more cost-effective in the long run.<\/span><\/p>\n<p><span style=\"font-size: 15px;\"><img decoding=\"async\" src=\"data:image\/png;base64,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\" alt=\"pastedGraphic.png\" \/> Can Help Your Company<\/span><\/p>\n<p><span style=\"font-size: 15px;\">The bottom line is that while one company may find that choosing either a self-insured health insurance plan is most advantageous, another similarly sized company in the same industry might determine that a fully-insured plan is the best fit.<\/span><\/p>\n<p><span style=\"font-size: 15px;\">Reviewing options and making decisions about whether to choose a fully-insured vs. a self-insured health care plan can be overwhelming. Fortunately, an employee benefits consultant\u00a0can help you evaluate both options and make an informed decision that makes sense based on your business\u2019 current and anticipated future needs and goals.<\/span><\/p>\n<p><span style=\"font-size: 15px;\">At <img decoding=\"async\" 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alt=\"pastedGraphic_1.png\" \/> we work with businesses of all sizes, in a variety of industries, helping them design and implement health insurance and other employee benefits programs designed to help them attract and retain high-performing talent, while keeping benefit program costs in check.<\/span><\/p>\n<p>To learn more about how we can help, contact us online (infor@benefitwriters.com)\u00a0today, or call us at (214) 771-3011.<\/p>\n<p><strong><span style=\"font-size: 10px;\"><em>Disclaimer:\u00a0\u00a0<\/em><\/span><\/strong><span style=\"font-size: 10px;\">Section 202 of the Consolidated Appropriations Act of 2021 (CAA) requires that agent, broker and consultant compensation related to all group health plans and individual health insurance policies be disclosed for arrangements entered into, renewed or extended on or after December 27, 2021. This law requires agents, brokers and\/or consultants (and their subcontractors) to disclose their compensation to plan fiduciaries. Specifically, any covered service provider that receives compensation in excess of $1,000 annually must provide this disclosure. The disclosure must include amounts paid directly and those received indirectly related to group and individual health plans. This requirement applies to contracts with both fully insured and self-funded group health plan arrangements.\u00a0<\/span><\/p>\n<\/span><\/div><div class=\"center-area\"><i class=\"glyphicon glyphicon-edit\"><\/i><div class=\"preview_layer\">Text <\/div><\/div><\/div><\/article><\/div>\n\t\t\t\t\t\t <\/div>\n\t\t\t\t\t<a class=\"preview_page_row_setting\" title=\"Edit Row\" href=\"javascript:void(0)\" data-row_id=\"4\" ><span class=\"glyphicon glyphicon-cog\"><\/span>\n\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"preview_page_section_layer\"><i class=\"glyphicon glyphicon-edit\"><\/i><\/div>\n\t\t\t\t\t\t\t<a class=\"preview_page_section_setting\" title=\"Edit Section\" href=\"javascript:void(0)\" data-section_id=\"4\" ><span class=\"glyphicon glyphicon-cog\"><\/span>\n<\/a>\n\t\t\t\t\t\t<\/div><div  class=\"jk_fe_section jk_section_regular jk_effect_parallax lazyload\" style=\" background-image:inherit;     min-height:600px; \"  data-bg-image=\"url(https:\/\/benefitwriters.com\/wp-content\/uploads\/2018\/08\/lighthouse_rockwall_tx_insurance_company_benefitwriters.jpg.jpg)\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"container \" style=\"\">\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"row   \" style=\"                \" id=\"\">\n\t\t\t\t\t<div class=\"col col-lg-12 col-md-12 col-sm-12 col-xs-12 \" data-col-type=\"4_4\">\n\t\t\t\t\t\t\t<div class=\"footer_col_set_min_height\"><style>.text_27 .fe_text_mod .entry-content > *{color:#ffffff;}.text_27 .fe_text_mod a{color:#0073aa;}.text_27 *{font-family:Baumans;}.text_27 .fe_text_mod {border-top-color:#000000; border-top-width:0px; border-top-style:; border-radius:10px;}.text_27 .fe_text_mod {border-bottom-color:#000000; border-bottom-width:0px; border-bottom-style:; border-radius:10px;}.text_27 .fe_text_mod {border-left-color:#000000; border-left-width:0px; border-left-style:; border-radius:10px;}.text_27 .fe_text_mod {border-right-color:#000000; border-right-width:0px; border-right-style:; border-radius:10px;}<\/style>\n\t\t\t<article id=\"post-27\" class=\"21 post-21 page type-page status-publish hentry \">\n\t\t<div  class=\"preview_layer_container  text_27\" data-module-id=\"5\">\n\t\t<div style=\"padding-top:100px;       color:#ffffff;\" id=\"\" class=\"fe_text_mod jk_text_align_center \"  ><span class=\"entry-content text_mod_aln_mob_left\"><p><span style=\"font-size: 30px;\">WHAT OUR CLIENTS SAY<\/span><\/p>\n<\/span><\/div><div class=\"center-area\"><i class=\"glyphicon glyphicon-edit\"><\/i><div class=\"preview_layer\">WHAT OUR CLIENTS SAY <\/div><\/div><\/div><\/article><style>.review_988 *{font-family:Helvetica;}.testimonial.review_988{padding-top:50px;}.testimonial.review_988{padding-bottom:50px;}.jk_font_ffffff p{color:#ffffff!important;}.jk_font_ffffff b{color:#ffffff!important;}.testimonial .cycle-slideshow {border-top-color:#000000; border-top-width:0px; border-top-style:solid; border-radius:10px;}.testimonial .cycle-slideshow {border-bottom-color:#000000; border-bottom-width:0px; border-bottom-style:solid; border-radius:10px;}.testimonial .cycle-slideshow {border-left-color:#000000; border-left-width:0px; border-left-style:solid; border-radius:10px;}.testimonial .cycle-slideshow {border-right-color:#000000; border-right-width:0px; border-right-style:solid; border-radius:10px;}<\/style><div class=\"preview_layer_container \" data-module-id=\"6\"><div  class=\"testimonial   review_988 \" >\n\t\t\t\n\t\t\t<span class=\"testim1\" style=\" \"><\/span>\n\t\t\t<div class=\"testim2 jk_font_ffffff\" style=\"    font-size:14px;\">\n\t\t\t\t\n\t\t\t\t<div class=\"cycle-slideshow composite-example\"\n\t\t\t\t\tdata-cycle-fx=\"scrollHorz\"\n\t\t\t\t\tdata-cycle-timeout=\"3000\"\n\t\t\t\t\tdata-cycle-swipe=true\n\t\t\t\t\tdata-cycle-prev=\"#prev\"\n\t\t\t\t\t\n\t\t\t\t\tdata-cycle-next=\"#next\"\t\t\t\t\t\n\t\t\t\t\tdata-cycle-manual-speed=\"300\"\n\t\t\t\t\tdata-cycle-slides=\"&gt; div\"\n\t\t\t\t><div>\n\t\t\t\t\t\t<span class=\"jk-star-rating star-backpos5\" style=\"width: 100px; height:17px;\"><\/span><a href=\"https:\/\/benefitwriters.com\/testimonials\/\" class=\"review_carousel_read_more\">Read More<\/a>\n\t\t\t\t\t\t<div class=\"testimonial_content\" style=\"height:110px\"><p class=\"textbox\" dir=\"ltr\"><strong><span style=\"font-size: 15px;\">Diane was extremely helpful in getting me set up and trained to use the numerous tools offered by Benefit Writers.\u00a0 Great customer service and quick response!<\/span><\/strong><\/p><\/div>\n\t\t\t\t\t\t<div class=\"clear\"><\/div>\n\t\t\t\t\t\t<div class=\"testimonial_author\"><b>Jennifer McClain<\/b>&nbsp;&nbsp;&nbsp;&nbsp;Rockwall Chamber of Commerce<\/div>\n\t\t\t\t\t\t\n\t\t\t<\/div><div>\n\t\t\t\t\t\t<span class=\"jk-star-rating star-backpos5\" style=\"width: 100px; height:17px;\"><\/span><a href=\"https:\/\/benefitwriters.com\/testimonials\/\" class=\"review_carousel_read_more\">Read More<\/a>\n\t\t\t\t\t\t<div class=\"testimonial_content\" style=\"height:110px\"><p class=\"textbox\" dir=\"ltr\"><strong><span style=\"font-size: 15px;\">Diane is not only a professional in the Benefits and Insurance world but also serves her clients with passion.\u00a0 The one thing that always stands out is her willingness to help her clients no matter what they need.\u00a0 I have enjoyed being associated with her personally and through the National Association of Health Underwriters.\u00a0 It takes a special person to give of their time and talents while helping her clients and being a Wife, Mother, and Grandmother at the same time.\u00a0 That is what sets her apart from other people in our industry.<\/span><\/strong><\/p><\/div>\n\t\t\t\t\t\t<div class=\"clear\"><\/div>\n\t\t\t\t\t\t<div class=\"testimonial_author\"><b>Mark Waugh<\/b>&nbsp;&nbsp;&nbsp;&nbsp;Waugh Benefits Consulting<\/div>\n\t\t\t\t\t\t\n\t\t\t<\/div><div>\n\t\t\t\t\t\t<span class=\"jk-star-rating star-backpos5\" style=\"width: 100px; height:17px;\"><\/span><a href=\"https:\/\/benefitwriters.com\/testimonials\/\" class=\"review_carousel_read_more\">Read More<\/a>\n\t\t\t\t\t\t<div class=\"testimonial_content\" style=\"height:110px\"><p class=\"textbox\" dir=\"ltr\"><strong><span style=\"font-size: 15px;\">I had the pleasure of working with Diane and her clients for approximately two years.\u00a0 Diane is great at building client relationships and making appropriate product recommendations that fit each client's needs.\u00a0 She is very knowledgeable about HSA products and a variety of other insurance products.\u00a0 I highly recommend working with her as your agent.<\/span><\/strong><\/p><\/div>\n\t\t\t\t\t\t<div class=\"clear\"><\/div>\n\t\t\t\t\t\t<div class=\"testimonial_author\"><b>Lea Webb<\/b>&nbsp;&nbsp;&nbsp;&nbsp;Personal Trainer and Certified Lifestyle and Weightloss Management Coach<\/div>\n\t\t\t\t\t\t\n\t\t\t<\/div><div>\n\t\t\t\t\t\t<span class=\"jk-star-rating star-backpos5\" style=\"width: 100px; height:17px;\"><\/span><a href=\"https:\/\/benefitwriters.com\/testimonials\/\" class=\"review_carousel_read_more\">Read More<\/a>\n\t\t\t\t\t\t<div class=\"testimonial_content\" style=\"height:110px\"><p class=\"textbox\" dir=\"ltr\"><strong><span style=\"font-size: 15px;\">Diane offers her industry experience wrapped with a solution to meet the needs, no matter how small or large; she is your defense and tackle to make that touchdown.\u00a0 She is very diverse and always looking for solutions while making things happen.\u00a0 She is an excellent industry leader and is willing to get the job done.\u00a0 I highly recommend Diane.<\/span><\/strong><\/p><\/div>\n\t\t\t\t\t\t<div class=\"clear\"><\/div>\n\t\t\t\t\t\t<div class=\"testimonial_author\"><b>Tamela Southan<\/b>&nbsp;&nbsp;&nbsp;&nbsp;Benefits Advisor at Benefit Solutions By Design<\/div>\n\t\t\t\t\t\t\n\t\t\t<\/div><div>\n\t\t\t\t\t\t<span class=\"jk-star-rating star-backpos5\" style=\"width: 100px; height:17px;\"><\/span><a href=\"https:\/\/benefitwriters.com\/testimonials\/\" class=\"review_carousel_read_more\">Read More<\/a>\n\t\t\t\t\t\t<div class=\"testimonial_content\" style=\"height:110px\"><p class=\"textbox\" dir=\"ltr\"><strong><span style=\"font-size: 15px;\">Diane is dedicated to getting the job done right the first time.\u00a0 Whether she is working for a client or working on a committee, her energy and creativity are limitless in bringing the project to a successful conclusion.<\/span><\/strong><\/p><\/div>\n\t\t\t\t\t\t<div class=\"clear\"><\/div>\n\t\t\t\t\t\t<div class=\"testimonial_author\"><b>RoseMary Deininger<\/b>&nbsp;&nbsp;&nbsp;&nbsp;Life After Retirement <\/div>\n\t\t\t\t\t\t\n\t\t\t<\/div><\/div><\/div><\/div><div class=\"center-area\"><i class=\"glyphicon glyphicon-edit\"><\/i><div class=\"preview_layer\">Review <\/div><\/div><\/div><\/div>\n\t\t\t\t\t\t <\/div>\n\t\t\t\t\t<a class=\"preview_page_row_setting\" title=\"Edit Row\" href=\"javascript:void(0)\" data-row_id=\"5\" ><span class=\"glyphicon glyphicon-cog\"><\/span>\n\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"preview_page_section_layer\"><i class=\"glyphicon glyphicon-edit\"><\/i><\/div>\n\t\t\t\t\t\t\t<a class=\"preview_page_section_setting\" title=\"Edit Section\" href=\"javascript:void(0)\" data-section_id=\"5\" ><span class=\"glyphicon glyphicon-cog\"><\/span>\n<\/a>\n\t\t\t\t\t\t<\/div><div  class=\"jk_fe_section jk_section_regular jk_effect_parallax \" style=\" background-color:#ffffff; padding-bottom:35px; padding-top:35px;    \" >\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"container \" style=\"\">\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"row   \" style=\"  padding-top:10px; padding-bottom:10px;             \" id=\"\">\n\t\t\t\t\t<div class=\"col col-lg-12 col-md-12 col-sm-12 col-xs-12 \" data-col-type=\"4_4\">\n\t\t\t\t\t\t\t<div class=\"footer_col_set_min_height\"><style>.tagline1332 *,.tagline1332{font-family:Baumans;}<\/style>\n\t\t<div class=\"preview_layer_container \" data-module-id=\"7\">\n\t\t<div style=\"padding-top:10px;  padding-bottom:10px;  background:#ffffff; color:#74a0cc;  font-size:22px;      \" id=\"\" class=\"fe_tag_line_mod jk_text_align_center tagline1332 \" >\n\t\tSTOP OVERPAYING FOR INSURANCE! GET YOUR FREE TEXAS INSURANCE QUOTE TODAY!\n\t\t<\/div><div class=\"center-area\"><i class=\"glyphicon glyphicon-edit\"><\/i><div class=\"preview_layer\">tag line <\/div><\/div><\/div><div class=\"preview_layer_container \" data-module-id=\"8\"><style>.jk_button_module a.button_dynamic_classes_548:hover{ background : #f97b27 !important;}.jk_button_module a.button_dynamic_classes_548{ background : #fca729 !important;}.jk_button_module a.button_dynamic_classes_548:hover *{ color : #ffffff !important;}a.button_dynamic_classes_548 *, a.button_dynamic_classes_548, a.button_dynamic_classes_548 span{font-family:Helvetica;}<\/style><div  class=\"jk_button_module  jk_text_align_center aln-center \"  id=\"\" style=\"\">\n\t\t\t<a href=\"tel:2147713011\"   class=\"button_dynamic_classes_548 jk_text_align_center\" style=\"   border-radius:10px; padding-left:20px; padding-right:20px; margin-top:5px; margin-bottom:5px;  \" >\n\t\t\t<span class=\"jk_button_text\" style=\"font-size:16px;line-height:16px; color:#ffffff; \">Call Us Now<\/span><br\/>\t\n\t\t\t<span class=\"jk_sub_button_text\" style=\"font-size:20px;line-height:20px; color:#ffffff;  \">(214) 771-3011<\/span>\n\t\t\t<\/a><\/div><div class=\"center-area\"><i class=\"glyphicon glyphicon-edit\"><\/i><div class=\"preview_layer\">CALL US BUTTON <\/div><\/div><\/div><\/div>\n\t\t\t\t\t\t <\/div>\n\t\t\t\t\t<a class=\"preview_page_row_setting\" title=\"Edit Row\" href=\"javascript:void(0)\" data-row_id=\"6\" ><span class=\"glyphicon glyphicon-cog\"><\/span>\n\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"preview_page_section_layer\"><i class=\"glyphicon glyphicon-edit\"><\/i><\/div>\n\t\t\t\t\t\t\t<a class=\"preview_page_section_setting\" title=\"Edit Section\" href=\"javascript:void(0)\" data-section_id=\"6\" ><span class=\"glyphicon glyphicon-cog\"><\/span>\n<\/a>\n\t\t\t\t\t\t<\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-21","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/benefitwriters.com\/index.php?rest_route=\/wp\/v2\/pages\/21","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/benefitwriters.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/benefitwriters.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/benefitwriters.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/benefitwriters.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=21"}],"version-history":[{"count":28,"href":"https:\/\/benefitwriters.com\/index.php?rest_route=\/wp\/v2\/pages\/21\/revisions"}],"predecessor-version":[{"id":3030,"href":"https:\/\/benefitwriters.com\/index.php?rest_route=\/wp\/v2\/pages\/21\/revisions\/3030"}],"wp:attachment":[{"href":"https:\/\/benefitwriters.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=21"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}