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How to handle Flex credits when Employee rate is greater than the Flex Credit?

Received Response

When using Flex credits we see we can use those credits to pay for benefits but if the Rate is greater than the credit it only allows for overspending but there is no option to say remaining amount should be paid by employee, we would like to understand if anyone has worked on such requirement before or help us on how can we achieve this requirements using Flex credits Program.

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