For retirees who are age 65+, please contact Alight at 888-628-0082 (TTY 711) M-F 8AM-8PM CT
Dow Corning Benefits
If you live in Michigan and are a DCC Grandfathered Retiree (retired before 1/1/1995): The MyMichigan Health Network remains available to Aetna Medicare Advantage members through out-of-network coverage. While MyMichigan Health will no longer participate in the Aetna Medicare Advantage network as of January 1, 2025, you will have continued access to MyMichigan Health providers without a difference in your cost share due to Dow’s plan design. For more information, review the Dow/MyMichigan letter that was mailed to impacted retirees in October 2024.
New medical plan names, same great coverage. We’ve simplified the names of our two core plans available through Aetna:
- MAP Plus Option 1 is now Low Deductible Medical Plan
- MAP Plus Option 2 is now High Deductible Medical Plan
While the names have changed, what’s covered remains the same.
Medical Cost and Coverage
To help you make an informed choice, we have provided a series of medical charts. The charts will outline the cost and coverage of the medical plans offered to Dow retirees and eligible family members.
Pharmacy
For Plan Year 2025
- CVS Caremark – Login to refill medication, get cost information, coverage and plan details or call 1-800-552-8159 to contact the Customer Care Team.
- Cigna Prescription Drug Formulary - 2025
Calculating Retiree Medical Premiums
To help calculate your monthly premium, if you are on the Support Schedule:
Dow Corning Retiree Medical Calculator
Summary Plan Descriptions
Please select the summary plan description (SPD) applicable to you:
- DCC Grandfathered Retirees (retired before 1/1/1995)
- High Deductible Plan
- Appendix A for: High Deductible Plan (Pre-Medicare Retirees)
- Appendix A for: High Deductible Plan (Pre-Medicare Retirees)
- Low Deductible Plan
- Medicare Advantage PPO 2025
- Appendix A for: Plan Document Notice
- Appendix A for: Evidence of Coverage
- Appendix A for: Schedule of Cost Sharing
- DCC Non-Grandfathered Retirees (hired before 1/1/2006)
- The SPD’s for the self-funded HMO’s are comprised of two parts: 1) SPD Wrapper and 2) Appendix A
- Self-Funded HMO SPD Wrapper (applies to all self-funded HMO’s)
- Appendix A: Blue Care Network (Midland/Tri-Cities Michigan) Self-Funded Plan 2025
- Appendix A: Blue Care Network Summary of Benefits and Coverage 2025
- Appendix A: Evidence of Coverage 2025
Life Insurance Information
For information regarding your pre-age 65 or post-age 65 life insurance coverage, please download the applicable Summary Plan Description (SPD) below.
Summary Plan Descriptions
- Retiree Life Insurance SPD for Retirees who retired on or after January 1, 2017
- DCC Life Insurance SPD for Retirees who retired before January 1, 2017 (see page 16)
- Retiree Life Insurance Premiums
For Life Insurance premiums for eligible DCC retirees, download this item
- Retiree Life Insurance Premiums
Life Insurance Extras
Will Preparation and Estate Resolution Services
Pre-Age 65 retirees who are enrolled in Retiree-Paid Optional Life Insurance can prepare or update a standard will for little or no cost, and probate assistance is available for their estate.
- Estate Resolution Services FAQ
- Digital Estate Planning
- Will Prep FAQ
- Funeral Planning Guide - provides an easy-to-use format for documenting information your survivors will need upon your death.
- Dignity Funeral Planning - provides information on funeral discounts and planning services available through MetLife Advantages ‐ at no additional cost to you.
- Grief Counseling - can provide you, your dependents or beneficiaries with support, comfort, tools and services to help get back to a productive life after experiencing any major loss.
Annual Enrollment Information
Dow's annual open enrollment provides you an opportunity to review your current benefit elections and decide if you want to make changes for the coming year.
A comprehensive look at what's new for the coming year.
2025 plan year:
Summary Plan Descriptions
For a detailed description of the Pension Plan for Dow Corning Employees and its Participating Subsidiary Companies, select the applicable link below.
Annual Pension Funding Notice
These notices provide important funding information about your pension plan. They also provide a description of how the plan's assets are invested and a description of the benefits under the plans that are eligible to be guaranteed by the Pension Benefit Guaranty Corporation (PBGC), a federal agency.
Pension Form 5500
Each year, the Company is required to provide information to the Internal Revenue Service (IRS) and the Department of Labor (DOL) regarding the Dow Employees’ Pension Plan. This reporting requirement is generally satisfied by filing the IRS Form 5500, including all applicable Schedules and Attachments. The Company generally files the Form 5500 in mid-October for the prior year and posts a subset of the filing here, which provides the basic plan and actuarial information. The entire filing can be found on the DOL website at www.efast.dol.gov.
401(k) Information
The Dow Chemical Company Employees’ Savings Plan (401(k)) record keeper is Fidelity Investments. The Savings Plan Service Center at Fidelity has been established to handle the day-to-day Plan operations. The Savings Plan Service Center offers a voice response system, a website and Plan representatives to answer your questions.