Dow Corning Benefits

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.

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.

• 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.

To help calculate your monthly premium, if you are on the Support Schedule:

Dow Corning Retiree Medical Calculator

• 2025
• 2024

• Summary of Material Modifications - End of COVID-19 Emergencies
  

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)
     
• Low Deductible Plan
  
  
  • Appendix A: Medicare Advantage Low Deductible (Medicare Retirees)
    
    
    • Evidence of Coverage
      
    • Summary of Cost Sharing
       
  • Appendix A for: Summary of Silverscript Prescription Drug Benefits (For Medicare Retirees)

• Medicare Advantage PPO
  
  
  • 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)
  
  
  • DCC Health Reimbursement Arrangement for Non-Grandfathered Retirees

• 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
  • Appendix A: Blue Care Network Summary of Benefits and Coverage 2024
  • Appendix A: Evidence of Coverage

For information regarding your pre-age 65 or post-age 65 life insurance coverage, please download the applicable Summary Plan Description (SPD) below.

• Retiree Life Insurance SPD for Retirees who retired on or after January 1, 2017
  
  
  • Retiree Life Insurance Premiums
    
    
• 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

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.

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.

• 2024 What's New: Pre-65
• 2024 What's New: Post-65
• 2024 What's New: Pre-65 (RHCAP)
• 2024 What's New: Post-65 (RHCAP)

• 2025 What's New: Pre-65
• 2025 What's New: Post-65
• 2025 Retiree Guide: Pre-Medicare & Medicare (Pre-65 & Post-65)

For a detailed description of the Pension Plan for Dow Corning Employees and its Participating Subsidiary Companies, select the applicable link below.

• Dow Corning Corporation Employees' Retirement Plan Summary Plan Description
  

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.

• Dow Employees' Pension Plan

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.

• Dow Employees' Pension Plan - Form 5500

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.

• Employees’ Savings Plan

• VSP Vision Benefits