Rohm & Haas 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.

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 ROH retirees and eligible family members.

For plan year 2023

Medical Cost and Coverage – Electronic Materials (Formerly Shipley & Rodel)

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 Shipley retirees and eligible family members.

For plan year 2023

Summary Plan Descriptions

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

The SPDs are comprised of two parts: 1) SPD Wrapper or Part I and 2) Appendix A or Part II. Please select the summary plan description (SPD) applicable to you.

ROH Self-Funded PPO Plans

• Rohm and Haas Retiree Medical Care Program – Low Deductible and High Deductible Plans
  • Appendix A for: High Deductible Plan (Pre-Medicare Retirees)
  • Appendix A for: Summary of Silverscript Prescription Drug Benefits (For Medicare Retirees – Non-Morton)
  • Appendix A for: Medicare Advantage Low Deductible (Medicare Retirees)
• Cigna - International Medical and Dental Plan
• Medicare Advantage PPO
  • Appendix A for: Plan Document Notice
  • Appendix A for: Evidence of Coverage
  • Appendix A for: Schedule of Cost Sharing

ROH Self-Funded HMO Plans

• Self-Funded HMO SPD Wrapper (applies to all self-funded HMO’s)
• Appendix A for: Blue Care Network (Midland/Tri-Cities Michigan) Self-Funded Plan
• Appendix A for: Cigna Self-Funded HMO
  • 2023 Cigna Medical OAPIN Rider
• Appendix A for: Humana Self-Funded Plan (Pre-Medicare Retirees)
• Appendix A for: Humana Fully-Insured Plan – Medical (Medicare Retirees)
• Appendix A for: Humana Fully-Insured Plan – Pharmacy (Medicare Retirees)

ROH Fully-Insured HMOs and Insured Health Plans

• Fully-Insured HMOs and Insured Health Plans Wrapper
  
  • Appendix A: Medicare Advantage Plan PPO (Medicare Retirees)
    

Contact your HMO or the Retiree Service Center (800-344-0661) to obtain a copy of the HMO publication, which contains coverage details.

Morton

• Morton Retiree Medical Plan – Part I
  • Appendix A: Medicare Advantage Morton Medical (formerly CMED plan; Medicare Retirees)
    
    • Evidence of Coverage
    • Summary of Cost Sharing
  • Appendix A for: Medicare Advantage Low Deductible (Medicare Retirees)
    • Evidence of Coverage
    • Summary of Cost Sharing
  • Appendix A: Medicare Advantage Morton PPO (Medicare Retirees)
    • Evidence of Coverage
    • Summary of Cost Sharing
  • Appendix A for: Summary of Silverscript Prescription Drug Benefits (For Medicare Retirees – Morton)
• Morton Retiree Dental Program (Part I)

Life Insurance Information

For information regarding your retiree life insurance coverage, please download the applicable Summary Plan Description (SPD) below.

Summary Plan Descriptions

• Chemical Retiree Life Insurance SPD
• Morton Salt Retiree Life Insurance SPD
• Plaskon Retiree Life Insurance SPD
• Electronic Materials Retiree Life Insurance SPD

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 Attorney Map
• 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:

• 2023 Retiree Guide: Pre-65
• 2023 What’s New: Pre-65
• 2023 What’s New: Post-65

Summary Plan Descriptions

For a detailed description of the Pension Plan for Heritage Rohm and Haas Employees and its Participating Subsidiary Companies, refer to information below.

• Rohm and Haas Company Retirement Plan

Summary of Material Modifications

• Rohm and Haas Company Retirement Plan Supplement

Pension Modeler

For heritage ROH employees and deferred participants to estimate current or future pension benefits, please go to the Dow Benefits website: Pension Retirement Modeling Tool. To help you navigate and use the Pension Retirement Modeling Tool, use this “How-to Guide” with screen shots and instructions: ROH How-to Guide for Pension Modeling.

Commencing a Deferred Pension Benefit

If you deferred your early retirement or vested benefit in the Rohm and Haas Company Retirement Plan when you terminated employment, please read this Frequently Asked Questions document for information on commencing your pension benefit at a later date.

Annual Pension Funding Notices

This notice provides important funding information about your pension plan. It also provides a description of how the plan's assets are invested and a description of the benefits under the plan that are eligible to be guaranteed by the Pension Benefit Guaranty Corporation (PBGC), a federal agency.

• Dow Employees' Pension Plan

Lump Sum Notice

For further information on the lump sum interest rate assumptions applied under the Rohm and Haas Company Retirement Plan, view the Lump Sum Notice.

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.

• Dow Employees' Pension Plan - Form 5500

COLA Increase

For information about the Cost of Living Adjustment for 2023 under the Rohm and Haas Company Retirement Plan, view the document below.

• COLA Increase Document

Savings Plan Service Center

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.

• Savings Plan Service Center

Summary Plan Descriptions

• Employees’ Savings Plan

For plan year 2022

• VSP Vision Benefits