Open Enrollment
D'Addario Annual Open Enrollment Information
Open Enrollment is your opportunity to learn about the 2025 Benefits Program, view or update your current coverage options, or elect new coverage options for you and your family. You can access and review our 2025 Benefits Guides below. Employees can attend our upcoming educational meetings to learn more about our 2025 benefits program.
Benefits Overview
ALLIED WILL CONTINUE AS THE ADMINISTRATOR FOR THE MEDICAL PROGRAM - AETNA SIGNATURE ADMINISTRATORS / NORTHWELL DIRECT NETWORKS
- Employee contributions as a percentage of costs will remain the same going into next year. That means your payroll deductions will increase in accordance with the plan spend overall. D'Addario will continue to pay 75% of total plan costs.
- The lowest salary band is expanding from covering those earning less than $50,000/year to include those earning less than $60,000/year.
- There will be no plan changes for the 2025-2026 plan year.
- NFP's Concierge service (see below) is available to help quickly resolve issues that do come up.
Aetna Dental Plan
- The dental rates will be increasing slightly this year, however there will be no plan changes.
Davis Vision
- There will be no plan or rate changes to the plan this year.
NEW for 7/1/2025 - ZEPBOUND* Discount Program
- Anyone with an eligible prescription can purchase Zepbound vials for weight loss through Lilly Direct for 60-70% less than the total cost through insurance! For more information on this publicly available program, please visit the Lilly Direct website and click Get Started.
*Expenses for Zepbound through Lilly Direct do not count towards your medical deductible or out-of-pocket maximums
NEW for 7/1/2025 - Medicare 1-1 Assistance
- If you or a family member is nearing Medicare eligibility age, you may have questions. NFP’s Medicare team is ready to help and can be contacted at 1-888-805-7701 or TeamMedicare@nfp.com.
NEW for 7/1/2025 - Voluntary Coverages
- D'Addario will be offering all benefits-eligible employees the opportunity to enroll in Accident, Specific Disease, and Hospital Indemnity plans. These are 100% employee-paid coverages, administered by Sun Life. To learn more about these coverages, please refer the benefit summaries and a brief overview below.
How To Enroll
Visit ADP WorkforceNow to review your current coverage and enroll and modify your elections.
If you'd like to change your existing coverage or make new elections, you must do so by June 13th. Your current medical, dental and vision elections will carry forward to 2025 if you don't make a new election.
NEW Voluntary Accident, Specified Disease, & Hospital Indemnity Coverages
- Accident insurance pays a cash benefit to an employee or a covered dependent who is injured in a covered accident.
- Specified Disease insurance (Critical Illness) pays a lump sum benefit upon diagnosis of a covered condition.
- Benefit options offered to employees range from $10,000 to $40,000, in $10,000 increments.
- Spouses are eligible for 100% of the employee amount.
- Children are eligible for 50% of the employee amount.
- You must have medical insurance to be eligible for this coverage. Your medical insurance does not need to be through D’Addario.
- Hospital Indemnity insurance provides a cash benefit when an employee or covered dependent is admitted to the hospital due to a covered sickness or injury (including for maternity/pregnancy).
Please note, all plans are offered with the following provisions:
- Guaranteed Issue – no health questions required for enrollment.
- No pre-existing condition limitations or waiting periods – benefit payable event must occur after the plan effective date.
- Wellness / health screening benefit included on Specified Disease that pays $50 each year you get your annual physical.
InsurChoice - NFP's Digital Marketplace
InsurChoice offers you the ability to personalize your protection program — bringing you quick, convenient, holistic coverage with incredible cost-saving discounts across a variety of top-rated insurance products and carriers. Our program is simple, fast, and always online. Find coverage in the blink of an eye!
Key benefits include:
- Competitive pricing: One size doesn’t fit all, so you can match yourself with the best rates and coverages from multiple insurance companies.
- Custom-tailored coverage: Select the products that meet YOUR needs.
- Stability: We have relationships with key national carriers who have a proven track record of rate and coverage stability.
- Innovation: With our innovative product delivery platform, we are constantly striving to add more benefits and improve your experience.
Additional Resources
NFP Benefits Concierge and Claims Advocacy team
As a reminder, all employees and enrolled dependents participating in our Medical plan have access to a Benefits Concierge and Claims Advocacy team. This is a valuable resource provided to us by our benefits consulting firm, NFP. They provide a one-stop contact center for answering your medical plan questions and resolving medical claim issues.
The Benefits Concierge can help with Medical:
- Benefits questions
- ID card issues
- Prescription issues
- Provider network questions
- And much more!
The Claims Advocacy team can help with Medical:
- Claims questions
- Review of Explanation of Benefits
- Questions Regarding Bills/Claims Resolution
- Prescription Issues
- Appeals
- And much more!
Contact Us
Contact Human Resources
Contact your Human Resource Department Monday through Friday from 8 am to 5 pm (EST)
Contact your Claims Advocate (medical claims related inquiries)
Email: CSclaims@nfp.com
Contact your Benefits Concierge (medical benefits related inquiries) Monday through Friday from 9 am to 6 pm (EST)
Phone: 877-835-1361
Email: DBbenadmin@nfp.com
The information in this document is intended as a general outline of the benefits offered under your employer's benefits program and should not be considered legal, investment, or other benefits advice. Specific details and plan limitations are provided in the Summary Plan Descriptions (SPD), which is based on the official written Plan Documents that may include carrier policies, contracts, and plan procedures. The SPD and Plan Documents contain all the specific provisions of the plans. In the event that the information in this document differs from the Plan Documents, the Plan Documents will prevail. Benefit plans are subject to change, amendment, or termination without notice to or the agreement of any employee/participant. If you have any questions regarding this information, contact Human Resources.