Managing Benefits Billing

This chapter provides overviews of Benefits Billing and the Billing Calculation process, lists a prerequisite, and discusses how to:

Enroll participants.
Calculate charges.
Review charges.
Generate Benefits Billing statements.
Process payments.
Adjust charges and payments.
Review charge and payment history.

Understanding Benefits Billing

You use Benefits Billing to process billing for employees and dependents who are charged directly for benefit plan elections instead of paying through payroll deductions. You can use Benefits Billing for either regular benefits or COBRA benefits.

Understanding the Billing Calculation Process

The Billing Calculation process creates billing charge records for a selected billing calendar. Each billing charge record contains charge information for an individual plan type and billing period combination.

The system queries the Manage Base Benefits business process tables to determine the coverage that is in effect for the plan type as of the end date of the billing calendar. It passes the coverage code and other relevant data to the Deduction Calculation (DedCalc) programs. The DedCalc programs calculate the billing amount using normal rules, which the billing system then modifies based on the rate qualifier.

Rerunning the Billing Calculation Process

Just as with PeopleSoft Enterprise Payroll for North America, you can rerun billing calculations repeatedly for a given billing calendar until you print billing statements for that calendar. The system backs out any previously calculated charges as well as any open credit that it applied previously to the charges.

The system cannot reprocess charges for a billing calendar if you have made adjustments to the charges or have applied payments.

Retroactive Processing

When retroactive processing is called for, the Billing Calculation process compares:

Billing calendar dates.
The date that billing begins for the plan type.
The dates of any charge records for the plan type.

The system then generates retroactive billing charge records for all previous billing periods that:

Have passed since the billing begin date.
Do not have billing charge records.

Billing Calculation Limitations

The Billing Calculation process calculates payments based on employee enrollments in the Manage Base Benefits business process tables and the rates that are specified in benefit programs. The Billing Calculation process does not:

Include any offset from credits when calculating deductions.

You enter flat amounts into Billing Enrollment records to simulate the use of credits.
Calculate imputed income or any other taxable or nontaxable benefit calculations.

The process calculates before-tax and after-tax deduction classifications only.
Bill benefit programs, leave plans, and vacation buy and sell plans (plan types 01, 5x, and 9x).
Update any deduction or other payroll balances.

You have to do this manually. Not making these adjustments can affect imputed income reporting, savings plan limit testing, and FSA claims processing.
Check group limits on life and AD/D insurance plans.

The Billing Calculation process bills only flat-dollar amounts for savings plans, FSA plans, retirement plans, and pension plans (plan types 4x, 6x, 7x, and 8x).

Prerequisite

Before you begin using the Benefits Billing feature, set up the rules for benefits billing.

Enrolling Participants

This section discusses how to:

Locate eligible participants.
Enroll participants automatically.
Enroll participants manually.
Override Benefits Billing parameters for individual enrollees.

Pages Used to Enroll Participants

Page Name	Object Name	Navigation	Usage
Benefits Billing Enrollment	BILL_ENROLL	Benefits, Benefits Billing, Manage Acc Status and Balance, Enroll in Billing, Benefits Billing Enrollment	Enroll employees manually into the Benefits Billing system and update previous enrollments.
Billing Override	BILL_EMPL_PARM	Benefits, Benefits Billing, Manage Acc Status and Balance, Request Hold/Alternate Address, Billing Override	Override Benefits Billing parameters at the individual enrollee level. Set up comments, designate an alternate address, or hold statements for an individual enrollee.

Locating Eligible Participants

A typical Benefits Billing population might include:

Employees on leave without pay.
Employees on reduced schedules who do not earn enough to pay for coverage.
Retirees who continue company-sponsored coverage.
Terminated employees who are enrolled in COBRA.
Dependents of employees who are enrolled in COBRA.
Survivors of deceased employees and retirees.

Note. Dependents of active employees cannot be billed through Benefits Billing. Only dependents who have been given a non-employee status through COBRA processing or some other means can be enrolled in Benefits Billing.

Enrolling Participants Automatically

If you currently implement PeopleSoft Enterprise Benefits Administration, you can use Event Maintenance processes to locate employees and dependents who are eligible for Benefits Billing and enroll them into the Benefits Billing system.

You can also use COBRA Administration processes to locate and enroll COBRA participants who are eligible for Benefits Billing.

Enrolling Participants Manually

Access the Benefits Billing Enrollment page.

Employee ID

When you first enter the Benefits Billing Enrollment page, you are prompted for the ID of the employee that you want to enroll or update.

You cannot create Benefits Billing enrollment records that cover all of an employee’s multiple jobs at once.

Plan Type

You can enter multiple plan types, including:

Simultaneous active and COBRA billing enrollments.

Multiple COBRA billing enrollments.

COBRA Event ID

Automatically assigned by the COBRA batch process, but can also be entered. The value is 0 for non-COBRA billing.

Effective Date

You can have multiple effective-dated billing records for COBRA and non-COBRA events.

Event Identification

For records created through Benefits Administration processes only. Indicates that the record was created through Event Maintenance or Open Enrollment.

Billing Status

Controls billing calculations for each plan type:

Active: You are billing the employee for this plan type.

Hold Billing: Charges are not calculated for this plan type. If you change the status to Active after Hold Billing has been in effect, the system retroactively calculates charges the next time that you run the Benefits Billing calculation process. While Hold Billing is selected for a particular plan type, the system continues to bill for other plan types and continues to produce statements.

Inactive: You are no longer billing for this plan type.

Billing Reason

Identifies the source of the billing entry and the reason that the employee is being billed; for reference only.

Manual: Indicates that you are entering the billing enrollment record manually.

Arrears: Indicates that the participant cannot gross enough to cover deductions.

If the system has automatically enrolled the employee or dependent into Benefits Billing through Benefits Administration or COBRA batch processes, the system selects either Benefits Administration or COBRA to identify the process by which this enrollment record was entered into the system.

Percent Calculation and Flat Amount

Determine how to modify the deduction calculation for billing purposes.

Select Percent Calculation to use the system deduction calculation routines with either the normal Employee Rate or the Total Rate to calculate the amount that is owed for each billing period. The system then multiplies the calculated value by the percentage that is entered. The percentage can be more than 100 percent.

Select Flat Amount to add a dollar amount to the amount calculated by the Percent Calculation settings. If the Percent Calculation check box is cleared, the system bills the employee the flat amount for each billing period. The amount can be a negative number.

Overriding Benefits Billing Parameters for Individual Enrollees

Access the Billing Override page.

Effective Date	You can enter more than one set of override parameters per employee and order them by effective date.
Hold Billing	Select to halt billing for all plan types. When you hold billing and run the Benefits Billing calculation process, the system retroactively calculates charges that occurred during the period that the hold was in effect.
Hold Statements	Select to stop printing billing statements for this employee.
Address Information	Enter an alternate address to send upcoming billing statements. The default address is on the enrollee’s Personal Data record.
Comments	Enter comments that are to be printed on upcoming billing statements for this employee.

Calculating Charges

This section discusses how to:

Calculate charges automatically.
Calculate charges manually for individual participants.

Pages Used to Calculate Charges

Page Name	Object Name	Navigation	Usage
Billing Run Ctl (billing run control)	BILL_RUNCTL	Benefits, Benefits Billing, Calculate and Review Charges, Calculate Periodic Charges, Billing Run Ctl	Calculate charges and create billing charge records for a selected billing calendar.
Manual Charge	BILL_CHRG_ADD	Benefits, Benefits Billing, Calculate and Review Charges, Enter Manual Charges, Manual Charge	Manually post new billing charge records to the system.

Calculating Charges Automatically

Access the Billing Run Ctl page.

Billing Period

Select the period that indicates the billing calendar for which you want to calculate benefits billing charges.

Note. You can rerun the Billing Calculation process until you run the Statement Print process for that billing period.

Payment Due and COBRA Payment Due

Automatically populated with the dates that were defined for this billing calendar. May be modified if necessary.

Calculating Charges Manually for Individual Participants

Access the Manual Charge page.

You can use this page to enter a partial charge for an employee’s first billing period and start automatic billing for that employee in the next billing period. You can also use this page to enter a partial month billing for the last billing period.

If you enter a Billing Charge record manually for an employee, the Billing Calculation process does not automatically calculate the same billing period’s charges for that employee. The Billing Calculation process never deletes manual charge entries, even when the process is rerun for a particular billing period.

EmplID (employee ID)	Enter the ID of the employee that is to be billed.
Billing Period	Select the billing period from the Billing Calendar.
Plan Type	Determine the plan type.
(CAN) Sales Tax	Canadian users can enter charges that represent various Canadian sales taxes that are associated with another benefits charge. For example, a billing charge for a medical plan may have a Canadian sales tax associated with it. You enter this tax as a separate charge and identify the type of sales tax here. This field can be used for the Goods and Services Tax (GST), the Provincial Sales Tax (PST), the Provincial Premium Tax (PPT), the Provincial Sales Tax on Insurance (PSTI), and the Harmonized Sales Tax (HST). Note. You always enter sales tax as a separate charge, as this is the only way that the system can track it. On all Benefits Billing pages dealing with benefits charges, sales tax charges are identified with their sales tax type.
Charge	Enter the total charge for this employee and billing period.

Note. After you save a charge entry record, you cannot directly change the amount of that charge. Any changes must be made through the Bill Charge Adjustment page.

Reviewing Charges

This section discusses how to:

Review individual charge records.
Review charge details.
Review charges by billing period.
Review charges by plan type.

Pages Used to Review Charges

Page Name	Object Name	Navigation	Usage
Charge	BILL_CHRG_VW	Benefits, Benefits Billing, Calculate and Review Charges, Review Charge Details, Charge	See how Benefits Billing charges and payments add up for a selected employee.
Charge Detail	BILL_CHRG_DET	Benefits, Benefits Billing, Calculate and Review Charges, Review Charge Details, Charge Detail	View details of charge actions.
Charge Summary	BILL_CSUM_BY_BPER	Benefits, Benefits Billing, Calculate and Review Charges, Rvw Charge Smry by Bill Period, Charge Summary	Arranges a participant’s charges by billing period.
Smmry byPlantype (summary by plan type)	BILL_CSUM_BY_PTYPE	Benefits, Benefits Billing, Calculate and Review Charges, Rvw Charge Smry by Plan Type, Smmry byPlantype	Arranges a participant’s charges by plan type.

Reviewing Individual Charge Records

Access the Charge page.

Charge ID

A system-generated number that ensures the uniqueness of Billing Charge records.

CBR Evt ID (COBRA event ID)

If this coverage is calculated under COBRA, provides a link to the COBRA event.

Benefit Program, Coverage Code, Benefit Plan, and Deduction Code

Obtained from the participant’s Manage Base Benefits business process records.

Can be used to trace back to the rate tables and calculation rules that created the charge.

(CAN) Sales Tax

Appears if the charge is for Canadian sales tax associated with another benefits charge.

Date Due and Date Overdue

You can modify these dates.

Print Period

Indicates the begin and end dates of the Billing Calendar during which the statement for this charge was sent.

Charge

Original charge calculated by the batch calculation process or entered in the Charge Entry page.

Charge Adjustments

From the Charge Adjustment page.

Payment Adjustments

From the Payment Adjustment page.

Note. Participants who are billed for more than one billing period, or who are billed for more than one plan type, employee record number, or COBRA event within a particular billing period, have multiple billing charge records.

Reviewing Charge Details

Access the Charge Detail page.

Posting Date

Displays the dates that actions were entered into the system.

For detail records with an action type of Charge, the posting date is the last day of the billing cycle.

Action Type

Possible actions include Charge, Charge Adjustment, Payment, and Payment Adjustment.

Charge

The amount of the original charge. If the charge is associated with a Canadian sales tax, the sales tax type (GST, PST, PSTI, and so on) is indicated as well.

Reviewing Charges by Billing Period

Access the Charge Summary page.

(CAN) If the charge is associated with a Canadian sales tax, the sales tax type (GST, PST, PSTI, and so on) is indicated before the Charge column.

Reviewing Charges by Plan Type

Access the Smmry byPlantype page.

(CAN) If the charge is associated with a Canadian sales tax, the system displays the sales tax type (GST, PST, PSTI, and so on) of the charge to the left of the charge amount.

Generating Benefits Billing Statements

This section discusses how to:

Print and reprint billing statements.
Establish print IDs for reprinting statements.

Pages Used to Generate Benefits Billing Statements

Page Name	Object Name	Navigation	Usage
Billing Statement	RUNCTL_BEN040	Benefits, Benefits Billing, Create Statements, Print Billing Statement, Billing Statement	Print and reprint billing statements.
Statement Print	BILL_PRINT	Benefits, Benefits Billing, Create Statements, Reprint Statement, Statement Print	Set up print IDs and select employees for reprinting billing statements.

Printing and Reprinting Billing Statements

Access the Billing Statement page.

Billing Period

Select from the Billing Calendar.

As Of Date

Used to determine which charges are overdue. The system totals charges with due dates prior to the as of date and prints the total as the amount overdue. This date has been kept separate because some organizations bill in advance for benefits.

Reprint and Print ID

If you want to reprint statements, select the Reprint check box and enter a print ID. You define reprint report print IDs in the Statement Print page, which is explained in the following section.

The printed statements include all plan types that are being billed. They do not differentiate between COBRA and non-COBRA charges, and they don't itemize the charges by an employee's different employee record numbers (if the employee has multiple jobs). The inclusion of a due date on each item allows for separate due dates for COBRA coverage.

Billing statements can also include statement comments. You can use the Billing Parameter page to create global comments that appear on the statements of all employees who are participating in a given billing calendar, and you can use the Employee Override page to compose a statement comment that appears on an individual employee's billing statement.

Note. The system produces only statements for individuals who have active billing enrollments or outstanding balances in the Benefits Billing system. The system does not print statements for employees who are inactive with a zero balance or who have Hold Statements selected in the Employee Override page. If a charge that is displayed on the statement is subject to a Canadian sales tax, the system displays the charge's sales tax type (GST, PST, PSTI, and so on) to the left of the charge amount.

Establishing Print IDs for Reprinting Statements

Access the Statement Print page.

Billing Period

Select from the Billing Calendar.

EmplID (employee ID)

Select the employees for whom Billing Statements need to be reprinted.

Processing Payments

This section discusses how to:

Log payments.
Review payment history.

Pages Used to Process Payments

Page Name	Object Name	Navigation	Usage
Payment Entry	BILL_PAYMENT	Benefits, Benefits Billing, Apply Payments, Allocate Payments to Charges, Payment Entry	Log individual payments from a participant and allocate those payments to separate charges.
Benefit Billing Payment Review	BILL_PAYMENT_VW	Benefits, Benefits Billing, Apply Payments, Review Payments/Details, Benefit Billing Payment Review	Examine charge payment history for a selected participant.
Smmry by Pst Date (summary by post date)	BILL_PSUM_BY_PTDT	Benefits, Benefits Billing, Apply Payments, Review Payments by Post Date, Smmry by Pst Sate	Review payments for a specific participant, arranged by posting date.

Logging Payments

Access the Payment Entry page.

Posting Sequence

Provided by the system. Enables you to enter multiple payments on the same day.

Form of Payment

You can enter either Check or Cash, but the interface value can be set automatically only by the Billing Calculation batch process.

Payment

Enter the total payment that is provided by the employee. The system automatically allocates this payment to the oldest charges. You can redistribute the payment among the participant’s various charges manually in the Allocations group box.

Allocation Details

This group box enables you to manually distribute the payment to the various open charges. When a charge is paid in full, it is closed by the system and does not appear the next time that you access the Payment Entry page. If, after allocation of the payment, a charge is not paid in full, it remains open for the next payment.

Applied to Open Credit

If payment exceeds the total amount owed, the system posts the excess payment here.

Note. The system does not allow participants to have payments applied to open credit as long as they have unpaid charges.

Note. Any changes to saved payment entries must be made through the Payment Adjustments page.

Reviewing Payment History

Access the Benefit Billing Payment Review page.

Posting Date

The date when the payment was actually applied to the charges.

Entry Date

The date when you entered the payment record into the system.

Print Period

The billing period during which information about this payment appeared on the participant’s billing statement.

Payment

The payment amount that was originally entered.

Payment Adjustments

Adjustments made on the Payment Adjust page.

Actual Payment

The amount of the payment that was actually applied against charges. This value is identical to either the Payment or Payment Adjustment value, except in cases in which overpayments were applied to open credit.

Adjusting Charges and Payments

This section discusses how to:

Make adjustments to charges.
Make adjustments to payments.

Pages Used to Adjust Charges and Payments

Page Name	Object Name	Navigation	Usage
Charge Adjustment	BILL_CHRG_ADJUST	Benefits, Benefits Billing, Make Adjustments, Adjust Charges, Charge Adjustment	Adjust charges on existing Billing Charge records.
Payment Adjust (payment adjustment)	BILL_PAY_ADJUST	Benefits, Benefits Billing, Make Adjustments, Adjust Payments, Payment Adjust	Adjust payments to existing Billing Payment records.
Adjustm. Summary (adjustment summary)	BILL_ADJ_SMRY	Benefits, Benefits Billing, Make Adjustments, Review Adjustment Summary, Adjustm. Summary	View a summary of all adjustments for a participant.

Making Adjustments to Charges

Access the Charge Adjustment page.

Note. You can apply only one charge adjustment at a time.

Post Date	Automatically set to today’s date, but you can change it.
Post Seq (post sequence)	Assigned by the system. Enables you to schedule more than one charge adjustment for a particular post period.
Adj Amt (adjustment amount)	Enter the amount of the adjustment. If you increase the charge, the system checks to see whether the participant has any overpayments allocated to open credits. It applies open credits to the increase in the charge, updates the charge balance, and inserts detail rows showing the allocation of the open credits to the charge. If you reduce a charge that has already been paid, you end up with an overpayment. The system checks to see whether the employee has other open charges. If open charges exist, the system requests that you make a payment adjustment. If no open charges exist, the system selects a payment that is allocated to the charge that is being adjusted and automatically creates a payment adjustment that reduces the payment. The system then increases the open credit balance by the amount by which the payment was reduced.
Adjustment Description	Enter the reason for the adjustment.

Making Adjustments to Payments

Access the Payment Adjust page.

Payment Adjustments

Distribute the total adjustment among the charges.

Post Date

Automatically set to today’s date, but you can change it.

Post Seq (post sequence)

Assigned by the system. Enables you to schedule more than one charge adjustment for a particular post period.

Payment Change

Enter the total adjustment.

Net Adjustment

The net adjustment is equal to the payment change if the adjustment increases the payment or if no open credit is associated with the payment.

If the payment adjustment reduces the payment or an open credit exists, the Net Adjustment field represents the amount that is left over when the open credit has been wiped out, which then has to be subtracted from charges.

The system requires that the value in the Net Adjustment field equal the value in the Net Adjustment Allocated field, except when the total adjustment exceeds the total due on charges. In this case, as with payments, the system requires that all the charges are paid off, and it applies the remainder to open credit.

Adjustment Distribution

You can redistribute the payment to other charges through the adjustment.

Reviewing Charge and Payment History

You can view a history of all payments, charges, and remaining balances for an employee.

This section discusses how to review employee billing history.

Page Used to Review Charge and Payment History

Page Name	Object Name	Navigation	Usage
Employee Billing	BILL_BLNC_SMRY	Benefits, Benefits Billing, Manage Acct Status and Balance, Review Employee Balances, Employee Billing	View charges, payments, and grand totals that are associated with an individual employee.

Reviewing Employee Billing History

Access the Employee Billing page.

The charge and payment values that are displayed are accounted for in all adjustments previously posted against them. The Net column displays the balance that is still outstanding for each charge and payment combination.

Note. Canadian sales tax types (GST, PST, PSTI, and so on) are displayed to the left of the charge listing when appropriate.

The Grand Total field adds the Total Charge, Total Payment, and Net columns.

Employee ID	When you first enter the Benefits Billing Enrollment page, you are prompted for the ID of the employee that you want to enroll or update. You cannot create Benefits Billing enrollment records that cover all of an employee’s multiple jobs at once.
Plan Type	You can enter multiple plan types, including: Simultaneous active and COBRA billing enrollments. Multiple COBRA billing enrollments.
COBRA Event ID	Automatically assigned by the COBRA batch process, but can also be entered. The value is 0 for non-COBRA billing.
Effective Date	You can have multiple effective-dated billing records for COBRA and non-COBRA events.
Event Identification	For records created through Benefits Administration processes only. Indicates that the record was created through Event Maintenance or Open Enrollment.
Billing Status	Controls billing calculations for each plan type: Active: You are billing the employee for this plan type. Hold Billing: Charges are not calculated for this plan type. If you change the status to Active after Hold Billing has been in effect, the system retroactively calculates charges the next time that you run the Benefits Billing calculation process. While Hold Billing is selected for a particular plan type, the system continues to bill for other plan types and continues to produce statements. Inactive: You are no longer billing for this plan type.
Billing Reason	Identifies the source of the billing entry and the reason that the employee is being billed; for reference only. Manual: Indicates that you are entering the billing enrollment record manually. Arrears: Indicates that the participant cannot gross enough to cover deductions. If the system has automatically enrolled the employee or dependent into Benefits Billing through Benefits Administration or COBRA batch processes, the system selects either Benefits Administration or COBRA to identify the process by which this enrollment record was entered into the system.
Percent Calculation and Flat Amount	Determine how to modify the deduction calculation for billing purposes. Select Percent Calculation to use the system deduction calculation routines with either the normal Employee Rate or the Total Rate to calculate the amount that is owed for each billing period. The system then multiplies the calculated value by the percentage that is entered. The percentage can be more than 100 percent. Select Flat Amount to add a dollar amount to the amount calculated by the Percent Calculation settings. If the Percent Calculation check box is cleared, the system bills the employee the flat amount for each billing period. The amount can be a negative number.

Charge ID	A system-generated number that ensures the uniqueness of Billing Charge records.
CBR Evt ID (COBRA event ID)	If this coverage is calculated under COBRA, provides a link to the COBRA event.
Benefit Program, Coverage Code, Benefit Plan, and Deduction Code	Obtained from the participant’s Manage Base Benefits business process records. Can be used to trace back to the rate tables and calculation rules that created the charge.
(CAN) Sales Tax	Appears if the charge is for Canadian sales tax associated with another benefits charge.
Date Due and Date Overdue	You can modify these dates.
Print Period	Indicates the begin and end dates of the Billing Calendar during which the statement for this charge was sent.
Charge	Original charge calculated by the batch calculation process or entered in the Charge Entry page.
Charge Adjustments	From the Charge Adjustment page.
Payment Adjustments	From the Payment Adjustment page.

Billing Period	Select from the Billing Calendar.
As Of Date	Used to determine which charges are overdue. The system totals charges with due dates prior to the as of date and prints the total as the amount overdue. This date has been kept separate because some organizations bill in advance for benefits.
Reprint and Print ID	If you want to reprint statements, select the Reprint check box and enter a print ID. You define reprint report print IDs in the Statement Print page, which is explained in the following section.

Posting Sequence	Provided by the system. Enables you to enter multiple payments on the same day.
Form of Payment	You can enter either Check or Cash, but the interface value can be set automatically only by the Billing Calculation batch process.
Payment	Enter the total payment that is provided by the employee. The system automatically allocates this payment to the oldest charges. You can redistribute the payment among the participant’s various charges manually in the Allocations group box.
Allocation Details	This group box enables you to manually distribute the payment to the various open charges. When a charge is paid in full, it is closed by the system and does not appear the next time that you access the Payment Entry page. If, after allocation of the payment, a charge is not paid in full, it remains open for the next payment.
Applied to Open Credit	If payment exceeds the total amount owed, the system posts the excess payment here. Note. The system does not allow participants to have payments applied to open credit as long as they have unpaid charges.

Posting Date	The date when the payment was actually applied to the charges.
Entry Date	The date when you entered the payment record into the system.
Print Period	The billing period during which information about this payment appeared on the participant’s billing statement.
Payment	The payment amount that was originally entered.
Payment Adjustments	Adjustments made on the Payment Adjust page.
Actual Payment	The amount of the payment that was actually applied against charges. This value is identical to either the Payment or Payment Adjustment value, except in cases in which overpayments were applied to open credit.

Payment Adjustments	Distribute the total adjustment among the charges.
Post Date	Automatically set to today’s date, but you can change it.
Post Seq (post sequence)	Assigned by the system. Enables you to schedule more than one charge adjustment for a particular post period.
Payment Change	Enter the total adjustment.
Net Adjustment	The net adjustment is equal to the payment change if the adjustment increases the payment or if no open credit is associated with the payment. If the payment adjustment reduces the payment or an open credit exists, the Net Adjustment field represents the amount that is left over when the open credit has been wiped out, which then has to be subtracted from charges. The system requires that the value in the Net Adjustment field equal the value in the Net Adjustment Allocated field, except when the total adjustment exceeds the total due on charges. In this case, as with payments, the system requires that all the charges are paid off, and it applies the remainder to open credit.
Adjustment Distribution	You can redistribute the payment to other charges through the adjustment.