You usually think of two things when you talk about your salary: Gross and Net Earnings.
Your Gross Earning is the amount of money you make before taxes are taken out of your pay check. Your Net Earning is the actual amount that you take home after all of the taxes are taken out of your pay check (Take Home Pay).
The QTB Benefits Program withdraws funds from your Gross Earnings to be used for a specific benefit before taxes are calculated. When the money is withdrawn, your gross pay amount is lowered; therefore, it lowers the amount of taxes you pay. The less tax you pay, the more money for you.