DOL: Cut Paper Waste in Health Benefits Communications
To Whom It May Concern:
I strongly support the DOL’s proposal to allow ERISA group health plans to use electronic delivery (e-delivery) by default (RIN 1210-AC35). I also urge the DOL to extend e-delivery to all ERISA-covered health and welfare plans.
The DOL estimates that group health plans currently print and mail up to 11 billion sheets of paper each year to satisfy requirements developed before widespread internet access.
Today, 95% of consumers say that they are comfortable managing their health benefits online. The proposal also ensures that those who prefer paper can continue receiving it at any time and at no cost.
I also encourage the Department to extend the rule beyond group health plans. Extending the rule to all ERISA-covered health and welfare plans, including life and disability plans, is the best way to maximize its benefits.
By one estimate, ERISA health and welfare plans print and mail a combined 20.4 billion sheets of paper annually. An additional analysis found that reducing this waste could help lessen the nation’s environmental footprint each year by:
- Saving the equivalent of 2.2 million trees;
- Conserving 2.16 billion gallons of water;
- Preventing 1.35 billion pounds of greenhouse gas emissions; and
- Reducing energy use, landfill waste, and harmful air and water pollution.
This proposal would help protect our environment, align with consumers’ strong preference for electronic communications, and save millions each year. I urge you to finalize this rule promptly and expand it to all ERISA health and welfare plans.