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The super-catch-up provision is designed to help late-career workers maximize their retirement savings—particularly those who may have fallen behind earlier in their careers. However, the law creates a new layer of complexity for employers and plan administrators.

While many state laws now include protections for workers who legally use cannabis, a recent federal court decision underscores a critical—and often overlooked—limitation: not all protections come with a legal remedy.

The Eighth Circuit’s ruling in Parker reinforces longstanding legal principles: evidence matters, and Title VII protections do not extend to generalized workplace dissatisfaction. Employers that act consistently, document performance issues, and follow through on internal policies are well-positioned to defend against similar claims.