Peel the label off the can (or cans!) of sweetened condensed milk, place it in a pot or large saucepan, and cover it with water by 1 to 2 inches. Bring it to a very gentle boil, then reduce the heat to LOW, so that the water has a nice slow simmer.
A RealAge answered. A self-insured plan is a health plan offered by an employer who collects premiums from employees and assumes the responsibility and financial risk of paying the employees' and covered dependents' medical claims. Employers that offer self-insured plans tend to be large companies.
Self-funded plans incur lower taxes than other health plans. In most states, there is no premium tax applied to the employer's claim fund, thus an immediate savings equal to the amount of the premium tax (approximately 2% to 3%) is realized. Funds usually held by the insurance carrier in various reserves are available for use by self-funded employers.