Abstract: A system having an insurance database, a products database, and a benefit utilization processing system is implemented by a system server coupled to the insurance and products databases. The benefit utilization processing system may be configured to retrieve and display eyewear product and pricing information, receive and extract benefit details from a benefits table, and provide specification options compatible with a selected product. The system may then apply the extracted benefit details, associated with the user, to the eyewear product price to determine individual benefit amounts for the selected product and for each selected option or accessory to determine a final benefit amount based on the user's benefit amounts.