Employers generally don't become the heads of their companies without learning a thing or two about corporate language. Contracts, financial agreements and other forms are intelligible to these business leaders precisely because they've risen to the top and are responsible for explaining things to their workforces. Unfortunately, there are still some documents that can stump them.
Agreements with insurance carriers and benefit providers are usually so long and detailed that even a week off and a dictionary won't be able to help managers and and supervisors make heads or tails of anything. This isn't because they aren't capable – it has more to do with the fact that one needs to be exposed to the milieu of such language day in and day out to even approach getting a feel for it.
Thankfully, there are professionals who can help organizations discern the best courses of action regarding benefit policies. Employee benefit specialists have operated in the context of insurance agreement and service documents for years, giving them the expertise to intuitively understand how a company should proceed with regard to employee compensation. Employers can't be too hard on themselves. Instead, they should confer with a benefit consultant and spend their own time and resources on more important business decisions.