First and foremost, employers should help employees evaluate whether they can even afford to retire, otherwise they need to start maximizing their 401(k) plan contributions ASAP.

By knowing a few high-level details about these cases and taking purposeful steps, employers and their benefits advisors can help protect their health plans in defending against similar claims while also putting members' best interests first.

Katie Pfeifer, head of workplace solutions at Cerity Partners, believes it's important to discuss how employers should diversify their offerings to meet the needs of the new wave of college graduates entering the workforce.