When employees terminate, the Benefits Advisory Council will remain in touch with them to maintain the Voluntary Benefits inforce.  We will deal directly with the employees to assure that they do not comprise any of your online data, and we will council them on decisions concerning their voluntary benefit coverage - as well as any employee benefit coverage you elect to keep inforce for terminated employees.  We will work with your Human Resources Department to put in place policies and procedures to cutoff the terminated employee from your company specific Voluntary Benefits Program website and still allow them access to the benefit information they need to have.