Why Online Enrollment May Not Be Enough

For employees and employers alike, the open enrollment process is often overwhelming. In fact, research shows that 41% of employees feel their company’s open enrollment process is extremely confusing.¹ Additionally, annual enrollment can be a time-consuming process for HR professionals.

But, benefits enrollment doesn’t have to be frustrating. If your organization’s open enrollment results in stress and confusion, it could be due to a lack of enrollment options. Here are some reasons why an online-only enrollment process may not be the best choice for everyone.

Computer access may be limited.

For organizations with unique schedules and a diverse workforce, it can be especially difficult to meet the needs of each employee. Municipalities, for example, manage around-the-clock staff, and only a handful of those employees work in the same office. In some cases, staff members don’t have access to work-issued computers to complete an online enrollment.

For those employees, the process can be frustrating and time-consuming.

Some employees don’t understand the technology.

Today’s workforce is made up of numerous generations working side-by-side. And while some employees may embrace technology, others may find online tools overwhelming. In fact, studies have shown that 78% of Americans still prefer live support.² And, only 10% of millennials turn to the Internet to learn about employee benefits at enrollment time.³  

Providing an alternative enrollment option can make the process simpler and more comfortable for employees who prefer in-person support.

Many employees put off enrollment due to a lack of understanding.

Selecting benefits can be an overwhelming process. From major medical to supplemental options, there is a lot to consider. And, some employees don’t want to sort through those options alone. But, only 15% of employees are offered a personalized benefits enrollment experience with one-to-one benefits counseling sessions.⁴

While providing access to digital and online tools is a great way to educate employees about their benefits, it may not be enough to create comfortable enrollment decisions. By offering one-on-one or group enrollments, you can help employees better understand their options and make informed choices about their benefits.

Open enrollment will happen every year. But, you don’t have to go it alone. Reach out to your American Fidelity account manager to learn more about your enrollment options.

 

This blog is up to date as of February 2020 and has not been updated for changes in the law, administration or current events.

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