2024 DFA Open Enrollment Guide, Brochure J by Dairy Farmers of America

2024

OPEN ENROLLMENT NOV. 1–15, 2023

Welcome to the

2024 BENEFITS OPEN ENROLLMENT The competitive benefits offered to you as an employee at DFA are a valuable part of your overall compensation. It is important to invest some of your time each year to ensure you get the most out of what is available to you. Open enrollment provides you the opportunity to review your benefits and adjust coverage for you and your dependents. The benefit elections you make now will become effective Jan. 1, 2024. Your choices can be made online, by mobile device or by telephone. You may also contact your local human resources representative with questions. Outside of open enrollment, coverage changes are only allowed if you experience a qualifying life event or family status change. When you experience a life event or family status change (marriage, divorce, birth or adoption, death of a dependent, change in your child’s dependent status, or change in your or your spouse’s employment status), you have 31 days from the date of the event to report it and make changes to your coverage.

2024 OPEN ENROLLMENT ANNOUNCEMENTS This is a passive open enrollment, meaning that a majority (including medical, dental, vision and voluntary benefits) of your current elections will roll over for 2024 if you take no action. Benefits that require you to make an election for 2024 are: • Health savings account (HSA) • Flexible spending accounts (FSAs) — including healthcare FSA, limited purpose FSA and dependent care FSA If your spouse has employer-provided coverage available, he or she must take that coverage as he or she is not eligible for medical benefits from DFA. You have the opportunity to elect voluntary life insurance up to the guaranteed issue amount for yourself or your spouse, even if you previously declined coverage. If you are currently enrolled in voluntary life insurance, you may increase you or your spouse's current election up to the guaranteed issue amount without evidence of insurability! This opportunity is not guaranteed to be available again. See page 10 for details. There are enhancements to the voluntary Aflac accident and critical illness plans at no cost. Details can be found in Forms and Documents on the open enrollment website at myADP.com through Benefits then View Forms and Documents.

2024 ACTION ITEMS Review your comprehensive open enrollment guide and the enclosed rates and notices before making your 2024 benefit decisions. Review your 401(k) and life insurance beneficiary designations to confirm the information is current. If you do not have a beneficiary listed, it is important that you add one. If your spouse and/or dependents have not previously been verified by Consova, you will need to verify them for the 2024 plan year. Consova will be reaching out with more information if this applies to you. Make sure to complete any required health coaching calls and/ or tobacco cessation program by Thursday, Nov. 30, 2023, in order to avoid the surcharge in 2024.

MEDICAL AND PRESCRIPTION DRUG PLANS For 2024, you will continue to be offered the choice of two High Deductible Health Plans (HDHPs): the HDHP Enhanced and the HDHP Basic, in addition to the Preferred Provider Organization (PPO) plan. HDHPs have a higher deductible than the PPO plan as described in the summary below, but the HDHPs give you lower premiums and allow you to contribute to an HSA to save for future health care expenses as discussed in more detail on page 7, including details on the automatic one-time HSA contribution from DFA. With the HDHP options, you pay the cost of all services until the deductible is met, with the exception of most preventive care services. This includes the cost of physician services, prescription drugs and all other medical services. Once you meet the applicable in-network or out-of-network deductible, you and the plan share in the cost of services, called coinsurance, until the applicable out-of-pocket maximum is met.

BENEFIT PLAN DESIGNS

HDHP ENHANCED IN-NETWORK

HDHP BASIC IN-NETWORK

PPO PLAN DESIGN IN-NETWORK

Lifetime Maximum

Unlimited

$2,500

$3,500

$1,000

N/A

$2,000

$5,000

$7,000

$3,000

ANNUAL DEDUCTIBLE

Employee Only Employee +1 Family

(If you elect coverage for more than yourself, the family deductible must be satisfied before benefits will be paid for any covered family member.)

Includes Deductible, Coinsurance and Copays

ANNUAL OUT-OF-POCKET MAXIMUM (OOP)1 Employee Only

$5,000

$7,000

$5,000

Employee +1

N/A

$10,000

$14,000

$10,000

Family

(An individual must meet his or her individual OOP, not the family OOP, before benefits are paid on that individual.)

Coinsurance

80%

100% (not subject to deductible)

Inpatient Hospital Services/Outpatient Surgery

80% after deductible

Outpatient Lab, Outpatient X-ray and Other Radiology Procedures

80% after deductible

Emergency Room

80% after deductible

Urgent Care Facility

80% after deductible

$50 copay

Teladoc Telemedicine

80% after deductible

$25 copay

Primary Care Office Visit

80% after deductible

$25 copay

Specialist Office Visit

80% after deductible

$50 copay

Prescription Drugs: Retail Pharmacy (31-Day Supply)

After deductible: Generic: 85% Formulary: 80% (member pays $40 max.) Non-formulary: 60% (member pays $65 max.)

Tier 1: $10 copay Tier 2: $30 copay Tier 3: $50 copay

Prescription Drugs: Mail Order (90-Day Supply)

After deductible: Generic: 85% Formulary: 80% (member pays $120 max.) Non-formulary: 60% (member pays $195 max.)

Tier 1: $30 copay Tier 2: $90 copay Tier 3: $150 copay

Routine Preventive Care

The plan will limit out-of-network payments to reasonable and customary levels. Amounts over this level will not go toward the deductible or the out-of-pocket maximum. These amounts can be substantial. You may be balance billed the difference between the provider’s charge and Blue Cross Blue Shield’s allowable. 1 In-network and out-of-network claims cross accumulate for both the deductible and out-of-pocket maximum.

BLUE CROSS BLUE SHIELD CARE CONNECTED CONCIERGE

COMPARE PLANS

Managing your health care issues is easier if you don’t have to do it alone. Care Connected links you with someone who’s knowledgeable about the issues you face and about your benefits plan. Depending on your needs, this could be a dedicated customer service advocate or a personal nurse. Your Care Connected team can help you:

A plan comparison tool is available to help you compare costs and benefits between the High Deductible Health Plans and the PPO plan. This tool enables you to enter your anticipated medical expenses and compare the estimated costs under each plan. You can locate the tool at myADP.com through Benefits then View Forms and Documents while making your elections.

• Understand your insurance plan and the system or review your bills • Choose the right care, schedule appointments and submit prior authorizations • Request medical documentation • Navigate difficult health issues and improve your overall health The Concierge team is available by phone at 1-833-644-1302, 7 a.m.–7 p.m. CDT, Monday–Friday. You can also visit myhealthtoolkitkc.com, select the wellness tab and then choose Care Connected.

TELADOC: A CONVENIENT WAY TO AVOID WAITING ROOMS 24/7 If you can’t wait or do not have quick access to medical care, Teladoc can get you the care you need for common medical concerns on your phone or on the web, all day, every day.

Speak with a doctor in minutes.

Get the care you need — including some prescriptions.

Pay much less than going to the emergency room.

Common medical concerns handled by Teladoc: • Sinus pain • Mild asthma • Mild allergic reactions • Minor headaches

• Burning with urination • Nausea, vomiting, • Cold sores intestinal issues • Sprains, strains • Bumps, cuts, scrapes • Pinkeye/eye irritation • Coughs, sore throat

• Minor fevers, colds • Rashes, minor burns • Behavioral health • Dermatology

PPO

HDHP BASIC AND ENHANCED*

General Medicine

$25 copay

$55 consult fee

Dermatology

$50 copay

$85 consult fee

Psychologist, Licensed Clinical Social Worker, Counselor or Therapist

$25 copay

$90 consult fee

Psychiatrist (Initial Visit)

$25 copay

$220 consult fee

Psychiatrist (Ongoing Visit)

$25 copay

$100 consult fee

*You pay the consult fee until the deductible is met, then coinsurance applies.

Grab your insurance card and go to teladoc.com or call 1-800-Teladoc (835-2362) to set up your account. Once you have an account, log in with your username and password whenever you need to consult with a Teladoc physician. Prefer a mobile app? Check out the back page for details!

PHARMACY PLAN INFORMATION Your pharmacy administrator is CVS Caremark®. Visit a pharmacy in the CVS National Network, which includes CVS retail pharmacies, Walgreens, Target, Walmart, Costco and more! Visit caremark.com for more information. DFA offers plan participants the opportunity to have certain preventive drugs covered at 100%! If your medication falls on the CVS generic preventive drugs list, it will be covered at 100% if it is obtained through an in-network pharmacy. In addition to using mail order to fill maintenance medications, you can fill a 90-day maintenance medication at any retail CVS pharmacy. Maintenance medications are commonly used to treat conditions that are considered chronic or long term and usually require regular, daily use. Examples include those used to treat high blood pressure, heart disease, asthma and diabetes. If you request a brand name when a generic is available, you may be required to pay the difference in the cost of the brand name vs. generic drug (in addition to the applicable coinsurance). Your specialty prescriptions will come from VIVIO Health. VIVIO will also help you manage your complex or chronic condition with one-on-one case management. Visit myvivio.com/dfa or call VIVIO at 1-800-470-4034.

DFA offers voluntary programs that are available to support you or a family member who is a diabetic, has chronic hypertension, or needs to have non-emergency surgery. Details about each of these programs can be found in the ADP document library, which can be accessed online at myADP.com or through the mobile app. You can also access each company’s website by scanning the below QR code with your smartphone camera. Prevent diabetes, manage your diabetes or manage your hypertension with LIVONGO: DFA offers three programs through LIVONGO which are free of charge to you and your dependents. These programs help you prevent diabetes, manage Type 1 or Type 2 diabetes, or manage your hypertension. Participation in these programs comes with applicable medical supplies at no additional cost. • Diabetes prevention: smart scale • Diabetes: blood glucose meter, testing strips and lancets • High blood pressure: blood pressure monitor

Reverse your Type 2 diabetes with Virta: DFA offers a program through Virta which is free of charge to you, your spouse and adult dependents who are Type 2 diabetics between the ages of 18 and 79. Virta can help members eat their way to better health with a personalized nutrition plan and support from medical providers, coaches and digital health tools. By shifting what they eat, not how much, members can quickly lose unwanted weight, lower A1c and reduce medications.

Save money with SurgeryPlus: SurgeryPlus can be an option when you need to have a planned, non-emergent surgery. The SurgeryPlus network includes quality providers with favorable surgery outcomes. Additionally, use of one of these providers can result in significantly less out-of-pocket expense and reduced hassle. If you or a family member is seeking to have bariatric surgery, it is a requirement to utilize a SurgeryPlus provider. 6

HEALTH SAVINGS ACCOUNT A Health Savings Account (HSA) can help you manage your expenses today and in the future. It’s yours to:

INVEST IN YOUR HSA

Own | The HSA is always yours, even if you change jobs, re-enroll in the traditional plan, become unemployed or retire.

HealthEquity offers a wide range of investment and savings options to suit your individual needs and financial goals including Cash Account, Yield Plus and Varying Risk mutual funds.

Grow | Your unused balance rolls over from year to year. No “use it or lose it.”

2024 CONTRIBUTION LIMITS

Save | HSAs provide tax-free contributions, tax-free withdrawals for qualified health expenses and tax-free earnings from investment options.

2024 IRS annual maximum allowed contributions for these accounts are:

$4,150 EMPLOYEE-ONLY

$8,300 FAMILY

Choose | Use for current expenses, save for the future (money you save can be used for health expenses after you retire) or explore investment options.

At age 55, an additional $1,000 contribution is allowed annually. HSA funding and limits: Employees are responsible for tracking annual limits, including any employer contributions you receive.

ACCOUNT ELIGIBILITY

2024 EMPLOYER CONTRIBUTION

The following must be true to be eligible for a HSA:

Any employee enrolled in either HDHP in 2024 with a HealthEquity HSA will receive an automatic one-time HSA contribution from DFA. If you elect Employee-Only coverage, you will receive $750. If you elect Family coverage, you will receive $1,500.

• Must be covered by one of the HDHPs • Cannot be claimed as a dependent on someone else’s tax return • Cannot have any other coverage such as: • A plan that is not an HDHP • Spouse's plan that is not an HDHP • Medicare or Medicaid • TRICARE coverage (military health care) • Health reimbursement arrangement (HRA) • Health care FSA (does not apply to a dependent care FSA or a limited purpose FSA) It is the account holder’s responsibility to maintain compliance under these regulations.

QUALIFIED EXPENSES IRS Publication 502 provides a complete list of eligible expenses and can be found at irs.gov. Funds can be used to pay for medical expenses for yourself, your spouse and tax dependents even if they are not covered by your health plan.

Employer contributions count toward the IRS annual limits, so plan your contributions carefully to avoid exceeding those annual limits. Employer and employee contributions are state taxable for California and New Jersey employees.

YOUR RESPONSIBILITIES AS THE HSA ACCOUNT HOLDER It is your responsibility as the HSA account holder to keep your itemized receipts. HSAs are monitored by the IRS, and non-qualified expenses are subject to your normal income tax rate — if you are under the age of 65, there is an additional penalty of 20%.

DENTAL PLANS Dental coverage continues to be administered by Delta Dental of Kansas, and you have access to the nationwide Delta Dental networks. You can find an in-network dentist by using the dentist search online at deltadentalks.com or by downloading the Delta Dental mobile app.

BASIC AND ENHANCED DENTAL PLAN OPTIONS When selecting your dental care provider, they will fall into one of three options:

DELTA DENTAL PPO DENTIST

DELTA DENTAL PREMIER DENTIST

NON-PARTICIPATING DENTIST

These dentists accept payment based on a reduced fee schedule. (Your out-ofpocket expenses will be lowest when you see a Delta PPO dentist.) There is no balance billing.*

These dentists accept payment based on Delta’s contractual agreement. There is no balance billing to you.*

Benefit payments will be based on Delta’s Maximum Plan Allowance, and you will be responsible for any difference between the dentist’s charge and Delta’s Maximum Plan Allowance. Balance billing is possible.*

Annual Deductible

$50 per person, up to $150 family maximum

Preventive Services — Includes Routine Exams, X-rays and Cleanings

Covered at 100% (no deductible)

Basic Services — Includes Periodontics and Oral Surgery

Covered at 80% after deductible

Major Services — Includes Crowns, Dentures and Bridgework

Covered at 60% after deductible

Orthodontia — Applies Only to Dependent Children Under Age 19

Covered at 50% after deductible

DENTAL ENHANCED

DENTAL BASIC

Orthodontia Lifetime Maximum

$2,500 per person

$1,500 per person

Annual Maximum — Delta Dental Preventive Plus Program

$2,500 per person

$1,500 per person

Routine care (exams, X-rays, perio-maintenance cleanings) will not reduce your plan year maximum benefit amount.

*Balance billing is when you are billed the difference between the dentist’s charge and Delta’s maximum allowance.

VISION PLAN DFA’s vision coverage through VSP includes exams, lenses and frames or contact lenses, and many cosmetic lens options. The vision plan is built around a network of eye care providers, with better benefits at a lower cost to you when you use in-network providers. Your vision plan also includes: Essential Medical Eyecare Program, TruHearing Discounts, and VSP Kidscare Plans. To learn more, visit dairyfarmersofamerica.vspforme.com.

BENEFIT

IN-NETWORK

Eye Exam Copay

$10

Prescription Glasses Copay

$25

Eye Exam

Every calendar year

Lenses

Every calendar year

Frames

Every other calendar year

Frame Allowance

$150 plus 20% off any out-of-pocket costs Covered after copay

Single Vision Lens

(including polycarbonate lenses for dependent children)

Lined Bifocal Lens

Covered after copay

Lined Trifocal Lens

Covered after copay

Lenticular

Covered after copay Photochromic, standard progressive, tints, dyes and anti-reflective coating

Cosmetic Lens Options — Covered Cosmetic Lens Options — Not Covered Contact Lenses (in Lieu of Glasses) Additional Discounts

35%-40% average savings on all non-covered lens options $60 max. copay for fitting and $150 for materials, 15% discount on fitting evaluation fee 20% discount on additional pairs of prescription glasses and non-prescription sunglasses from VSP provider

Laser Surgery Limited out-of-network reimbursements available.

Average discount savings of 15%-20%

FLEXIBLE SPENDING ACCOUNTS Stretch your health care and dependent care dollars by using pretax dollars for qualified costs by participating in the flexible spending account (FSA) program. Pretax means the dollars used for eligible expenses are not subject to social security tax, federal income tax, and in most cases, state and local income tax. Participation in the FSA program must be elected each year during open enrollment for the following calendar year. The health care and limited purpose health care FSA allow for up to $610 of your unused 2023 FSA balance to be carried into the 2024 FSA plan year. If you are not eligible to open or contribute to an HSA (see page 7 for details), you may participate in the health care FSA. If you are eligible to contribute to the HSA, you are only eligible to enroll in the limited purpose health care FSA and/or the dependent care FSA.

HEALTH CARE FSA Medical Plan Eligible Expenses1

• Medical expenses • Prescription and over-thecounter costs • Dental expenses • Vision expenses

You do not have to be enrolled in a medical plan to contribute to an FSA. It is the account holder’s responsibility to retain copies of all receipts. FSAs are regulated and monitored by the IRS. Claims must be substantiated. While many claims can be identified by provider name, dollar amount or more, you may be required to send in additional information. Eligible expenses

LIMITED PURPOSE HEALTH CARE FSA

DEPENDENT CARE FSA

HDHP Enhanced or Basic

PPO, HDHP Enhanced or Basic

• Dental expenses • Vision expenses • Medical expenses once the 2024 IRS annual HDHP deductibles of $1,600 employee only/$3,200 family have been reached

• Licensed adult and child day care centers • Day camps • Home care • Nursery school for children not yet in first grade

Contribution Limits

$3,050

$5,0002 (or $2,500 if married and filing separate tax returns)

Balance Rollover Limits

$610

There is no rollover and unused money will be forfeited.

Deadline to Incur Expenses

Dec. 31, 2024. Receipts must be submitted by March 31, 2025.

HSA Participation

Yes

Investment Options 1

PPO Plan

Important notes applicable to all FSAs

IRS Publication 502 provides a complete list of eligible expenses and can be found at irs.gov. The following list includes some of the most common eligible expenses: • Deductibles, copayments and amounts that exceed the dollar maximum as provided for in your health care plan • Out-of-pocket dental expenses • Immunizations • Hearing exams • Glasses • Prescription and over-thecounter drugs

No, your FSA funds do not earn interest and cannot be invested.

Go to irs.gov for a complete list of eligible expenses. Highly compensated employees are not eligible to contribute to a Dependent Care FSA per IRS rules.

EMPLOYEE ASSISTANCE PROGRAM Life can be a juggling act. It takes time, and lots of it, to manage work, family and personal challenges. To help you, we are pleased to provide SupportLinc Employee Assistance Program, administered by CuraLinc Healthcare. SupportLinc offers confidential, expert guidance to help address and resolve everyday issues. Their emotional well-being and work-life balance resources will help keep you at your best.

Employees who use the EAP find their stress levels have improved. Call: 1-888-903-0650 Log in at supportlinc.com and enter group code DFA.

In-the-moment support

Legal consultation

Convenience resources

Financial expertise

Short-term counseling

Complete confidentiality

Reach a licensed clinician by phone 24/7/365 for immediate assistance.

By phone or in-person with a local attorney.

Referrals for child and elder care, home repair, housing needs, education, pet care and so much more.

Planning and consultation with a licensed financial counselor.

Access in-person or video counseling sessions (up to six sessions) to resolve concerns such as stress, anxiety, depression, relationship issues, work-related pressures, or substance abuse.

SupportLinc ensures no one will know you have accessed the program without your written permission except as required by law.

VOLUNTARY BENEFITS DFA offers employees an opportunity to choose benefits that suit their personal circumstances and lifestyle by purchasing additional protection through these voluntary benefit offerings. You are not required to be enrolled in any other company benefits to elect these coverages.

LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D) INSURANCE BENEFITS DFA provides full-time employees with a basic life insurance benefit and an accidental death and dismemberment benefit through New York Life Group Benefit Solutions. In addition to your basic life insurance benefit, full-time employees may also elect supplemental life insurance in $10,000 increments from $10,000 to $500,000. Spouses are able to elect up to the lesser of $250,000 or 100% of the employee’s supplemental coverage in $5,000 increments. A $10,000 or $20,000 dependent child option is available (the benefit is $2,500 for dependents seven days to six months of age). Any amounts elected above the guaranteed issue amount will require evidence of insurability. If required, an evidence of insurability form will be mailed to you after the open enrollment period ends. Evidence of insurability is not needed for the dependent child coverage. You may purchase additional AD&D insurance through New York Life Group Benefit Solutions: • Yourself: AD&D coverage is available to a maximum of $500,000. • Your family: If you elect family coverage and no dependent children are covered, your spouse coverage amount will be 50% of your coverage amount. If one or more dependent children are insured, your spouse coverage amount will be 40% of your coverage amount. Each of your covered children’s benefit amount will be 10% of yours, subject to a maximum benefit of $20,000. 10

For 2024 only, even if you previously declined coverage, you will be able to elect up to $250,000 of coverage without completing an evidence of insurability form. Employees who currently have between $10,000 and $240,000 of supplemental life insurance may increase their coverage to $250,000 without proof of good health during open enrollment. You may also elect up to $50,000 of supplemental life coverage for your spouse without submitting evidence of insurability. Any spouse life elections for amounts above $50,000 will require evidence of insurability.

ACCIDENT INSURANCE

IDENTITY THEFT

AFLAC | Voluntary accident insurance provides a range of fixed, lump-sum benefits for injuries resulting from a covered accident or for accidental death and dismemberment. These benefits are paid directly to the insured and may be used for any reason, from deductibles and prescriptions to transportation and child care. Two plans are being offered, a low plan and a high plan.

ALLSTATE IDENTITY PROTECTION | Your identity is made up of more than your social security number and credit score. That’s why Allstate Identity Protection does more than monitor your credit reports. They help you look after your online activity, from financial transactions to what you share on social media — so you can protect the trail of data you leave behind.

CRITICAL ILLNESS INSURANCE AFLAC | Voluntary critical illness insurance provides a fixed, lump-sum benefit upon diagnosis of a critical illness, which can include heart attack, stroke, paralysis and more. These benefits are paid directly to the insured and may be used for any reason, from deductibles and prescriptions to transportation and child care. This coverage also includes a $50 annual wellness (health screening) benefit.

HOSPITAL INDEMNITY INSURANCE

LEGAL PLAN METLIFE | Legal matters, both planned and unplanned, are part of life. Enrolling in the MetLife Legal Plan gives you the financial and emotional peace of mind to know you will be covered for many expected and unexpected legal events. The MetLife Legal Plan provides you, your spouse and dependents with fully covered legal services from attorneys experienced in estate planning documents, civil suits, adoption, identity theft issues and much more.

AFLAC | Voluntary hospital indemnity insurance provides a range of fixed, lump-sum daily benefits to help cover costs associated with a hospital admission, including room and board costs. These benefits are paid directly to the insured following a hospitalization that meets the criteria for benefit payment.

IMPORTANT CONTACTS AND MOBILE APPLICATIONS Provider websites and mobile apps listed on this page are a great resource to view plan information, review claims and find out more general information about each provider. Mobile app icons are shown below for the providers that offer this service. To download any of these free mobile apps, visit your smartphone’s app store. Follow the prompts to log in/register. DFA Benefit Solution Center Online and telephonic enrollment services myADP.com 1-800-422-6109 Blue Cross Blue Shield — Medical Plan myhealthtoolkitkc.com 1-833-644-1302 CVS Caremark — Prescription Drug Plan caremark.com VIVIO — Specialty Prescriptions myvivio.com/dfa 1-800-470-4034 Teladoc — Virtual Care (General Medicine, Dermatology and Behavioral Health)

teladoc.com 1-800-Teladoc (835-2362)

Virta — Diabetes Reversal virtahealth.com/join/dfa Livongo — Pre-Diabetes, Diabetes and Hypertension Management go.livongo.com/dfamilk/hi Registration code: DFAMILK 1-800-945-4355 SurgeryPlus — Surgery Assistance my.surgeryplus.com 1-855-713-1576 HealthEquity — HSA and FSA healthequity.com HSA: 1-866-346-5800 FSA: 1-877-924-3967 Delta Dental — Dental Plan deltadentalks.com 1-800-234-3375 VSP — Vision Plan dairyfarmersofamerica.vspforme.com 1-800-877-7195

New York Life — Life and AD&D and Disability newyorklife.com 1-888-842-4462 Aflac — Accident, Critical Illness and Hospital Indemnity aflacgroupinsurance.com 1-800-433-3036 Allstate Identity Protection myaip.com 1-800-789-2720 MetLife — Legal Services legalplans.com 1-800-821-6400 SupportLinc eConnect Mobile — Employee Assistance Program supportlinc.com (Group code is DFA) 1-888-903-0650

ADP MOBILE MAKES BENEFITS EASY Access and elect your 2024 benefits during open enrollment using the ADP Mobile Solutions app. Download the free ADP Mobile Solutions app by scanning the QR code to the left with your mobile phone’s camera, or log in from your mobile browser. The comprehensive open enrollment guide and Summaries of Benefits and Coverage (SBCs) for DFA medical plans can be found in Forms and Documents on the open enrollment website at myADP.com through Benefits then View Forms and Documents.

The 2024 employee benefits open enrollment is Wednesday, Nov. 1–Wednesday, Nov. 15, 2023. Your benefit elections become effective Monday, Jan. 1, 2024.

The enclosed description of benefits does not guarantee current or future employment or benefits. If there is any conflict between this guide and the official plan documents, the official documents will govern. It is important that you read this entire guide carefully to ensure that you make informed choices for yourself and your family. Brochure J Images © 2024 Dairy Farmers of America. All rights reserved. 2024 Brochure J DFA 3030299