How do you process refunds?

Hi folks,

Another question to see how customers are doing things:

We currently use the Expenses module for employee reimbursements (mostly travel).  We pay these via Payroll.

However, we occasionally have situations where we need to give employees a refund and (for a variety of reasons) we can't use the original deduction code:

1 - employee didn't have health insurance deducted, and it was our (employer's) error.  The employee has written a check out to the insurer, and we are going to refund them that money.  (So, the refund is coming from the employer, not the health insurance vendor.)

2 -  employees are going to be assessed a fee in addition to a deduction amount.  We the employer would like to refund them the fee amount -- but the total amount needs to come from the employee and go to the vendor.