It's just my laymans explanation of how you won't, personally, see a benefit. I've never had a company send me a check except as a refund. Usually the reduction

It's just my laymans explanation of how you won't, personally, see a benefit. I've never had a company send me a check except as a refund. Usually the reductions are rolled into the next cycle. But if they are mailing checks that is even better.