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The first check you get from your insurance company is often an advance against the total settlement amount, not the final payment. For injured workers who need to get an independent medical review.Accurate summary of benefits and coverage (SBC). General Instructions: Read all instructions carefully before completing the form. The first page of the GFE includes a summary of loan terms and a summary of estimated settlement charges. The "primary payer" pays what it owes on your bills first, then you or your health care provider sends the rest to the "secondary payer". This summary covers the procedures in OPM's reduction in force regulations. The Employee Guide to Reduction in Force Benefits. FICA Federal Insurance Contributions Act. FOIA Freedom of Information Act.