While it should be easier than ever to get employees to consider their voluntary benefits, many companies report that this is still a struggle. New digital and analytics tools make it possible to personalize benefits for each individual. People know it's smart to plan for unexpected events, like an accident or serious illness. Yet when the enrollment opportunity comes along, there's often a disconnect and they don't take advantage of the benefits that can help protect their financial wellbeing.

Behavioral scientists have proven that the constant flood of information fractures our attention. Time is at a premium and people have little appetite for learning about voluntary benefits and how they can help. Some click "complete" before even reading about them.

If employees don't engage, however, everyone loses out, often year after year. To help employees think differently, here are five strategies to increase engagement with voluntary benefits.