dBenefits does a lot of the work for you, but you call the shots. dBenefits always waits for your command to issue a payment. If you prefer, you can set up automated payment rules. For example, you could tell dBenefits to pay your life insurance bill every month automatically if it is $50 or less, and to contact you and wait for your approval if it is more than $50. With dBenefits, you only give up the hassle of managing your benefits -- not an inch of control.