According to Nowicki with the defined contribution plan the benefit to the employer would be, they can set and control their costs. The set what level of care they are going to provide and if the care goes above this amount the responsibility for the excess falls to the employee. This is a way to control costs and inhibit overuse. According to Nowicki the benefit to the employee of define contribution plan is the employer pays the total cost of the care up to the set amount of care chosen out of a variety of coverages by the employee