During a time when voluntary coverage is playing a larger role in employers' benefit offerings, it is important to find ways to educate employees about the need for coverage. A smart enrollment strategy includes outreach to millennial employees, who may not understand the need for LTD coverage. This lack of understanding can translate to lower enrollment and end up hurting an employer financially. Reaching this group mandates a fresh and engaging approach to education. As the millennial generation demands instant technology access and information right at their fingertips, employers should consider implementing online educational modules to inform them of the need for coverage and, in turn, encourage enrollment.