I don't know about you but I dread this time of the year. I don't look forward to opening the Benefits Information Packet. Within these past couple of years, the benefits are shrinking and we end up paying more for health and dental insurance. Did you notice the same thing with your benefits too? Our insurance co-pay used to be only $5 but it has gone up to $20 this year. I guess I shouldn't complain since I know there are a lot of people out there that has no insurance at all. So right now, I am trying to digest and understand all these insurance mumbo-jumbo. I also have to compare different insurance quote from companies and find one that is well-suited for my family's insurance needs.