Thanks Macropod! I changed the details to fit my specific case and got most of what I need. I even added in a jpg image (feeling quite proud of myself).
I need the BENEFIT (medical, dental, life ins, etc) to list the cost the employee pays or the benefit (like in life insurance). Since this would throw my Dependents down a line - would that mean that I need a 3rd key? If so, I need help inserting that. And knowing where to put the key "end" (so it will repeat).
I have attached the HAVE NOW file and the WOULD LIKE file. My HAVE NOW file is amazing - thanks to you.

I also have my coded doc attached too.
Also - how do I find out more about this code syntax? Does this language have a name or something to search by? How would I find out the questions above if I didnt have you to help me? Not that I mind you helping me but if I need to make modifications based on different circumstances, I would like to know how to learn more.