Employer form mostly working with persist to db

app/models/plan.rb

@@ -1,17 +1,18 @@
 class Plan < ApplicationRecord
   belongs_to :employer_setup_process
-  has_many :plan_benefits
+  has_many :plan_benefits, dependent: :destroy
+  accepts_nested_attributes_for :plan_benefits, allow_destroy: true, reject_if: :all_blank
 
-  after_create :create_default_benefits
+  after_initialize :create_default_benefits, if: :new_record?
 
 
 
   private
-  
+
   def create_default_benefits
     benefits = IdCardBenefitsTemplate.find_by(title: "BLANK").id_card_benefits.sort_by(&:sequence)
     benefits.each do |ben|
-      plan_benefits.create(benefit_desc: ben.benefit_desc, sequence: ben.sequence)
+      plan_benefits.new(benefit_desc: ben.benefit_desc, sequence: ben.sequence)
     end
   end
 end