blue pen making check marks in check boxes (Photo: Shutterstock)

Many companies that sponsor ERISA welfare benefit plans are currently undergoing their open enrollment process and issuing related participant communications. To assist with that process, this article highlights certain participant disclosure requirements and provides an Automatic Participant Disclosures Checklist for use during open enrollment and throughout the plan year.

The Employee Retirement Income Security Act of 1974 (ERISA) sets forth certain ongoing disclosure and reporting requirements for welfare benefit plans. As discussed in more detail below, a number of disclosures are required to be provided automatically at the time of eligibility/enrollment or periodically thereafter for existing welfare plans. These automatic disclosures include, but are not limited to:



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