| 摘要 |
The disclosure relates to the method and apparatus of a communication system for enabling an employee to access information by a terminal concerning their up-to-date savings plans and the values thereof, withdrawal information, explanations of provisions, employee benefit information (e.g., group life insurance, disability coverage, vested retirement, etc.), explanations of savings plan and benefit options, and benefit news bulletins. The system is adapted to provide information to an employee dependent upon interaction by the employee, such as forecasts of accumulated values of voluntary salary savings and other deferred compensation programs, forecasts of dollar benefit of new savings plans, IRA's, the results of different combinations of benefit coverages and the implications of each variation of programs and plans, as well as the results of "what if" financial games. The system can also provide transactional services by which the benefit and financial programs can be changed by the employee in a manner that affects the existing benefit and/or financial programs, such as, savings plan option selection, moving monies from one fund to another, withdrawals, etc.
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