The Pension Protection Act of 2006 was supposed to allow (read that as “require the employer”) a 401(k) beneficiary to roll the 401(k) account into an IRA as a beneficiary IRA. While this is still ‘permitted’ the rules do not mandate that the employer must allow this.
So, as part of your planning, and for sake of keeping your affairs in order. you should consider moving (rolling over) your 401(k) to an IRA upon a change in employers. There are certainly times where you might not want to do this. If you retire/quit from a company and are 55 or older, you have the opportunity to make withdrawals with no 10% penalty. At 54 or under, there are few reason now to make the move.