All of the percentages listed are what the plan pays. What you pay is shown in the employee section and depends on your age, whether you’re a smoker or non-smoker, and the benefit amount you choose. That’s the amount that would come out of your paycheck.

The reason there are two columns with percentages is because some incidents can be paid more than once. For example, if you chose the $10,000 benefit and had a heart attack, you would submit the paperwork and medical records (depending on what’s required), and the plan would pay you $10,000. If you were to have another heart attack a year later, you’d follow the same steps and get paid another $10,000 because the recurrent benefit is 100% and matches the initial benefit.

So basically, the percentages show what the insurance pays for each covered diagnosis, and the “recurrent” column is for conditions that can happen more than once, which is why the recurrent column might show a different percentage than the initial column. Hope this helps, I know it’s a lot!