Consumers with shopping bags f you can’t work and are unable to earn a paycheck, how are all the other necessary expenses going to be paid, to say nothing of the discretionary expenses people would like to be able to pay? (Photo: Shutterstock)

Since passage of the Pension Protection Act of 2006, employers have been authorized by the Department of Labor to automatically enroll workers into 401(k) plans. This has proven to be a great way to encourage employee retirement savings and is generally seen as a favorable process for both employers and employees.

While there have been uses of automatic enrollment in other product lines, widespread authorization and support of the practice by the DOL was not published until Dec. 4, 2018. At that time, the DOL noted the belief that extending the ability of employers to offer employees automatic enrollment in disability coverage would be important for employee financial wellness.

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