For retirees who are age 65+, please contact Via Benefits at 1-800-953-5395 ET
Rohm & Haas Benefits
If you live in Michigan: 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:
Summary Plan Descriptions
- 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 2026
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 2026
Pharmacy
For Plan Year 2026
- 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.
- Pharmacy Benefits at a Glance - Morton
- Pharmacy Benefits at a Glance - ROH
- CVS Prescription Drug Coverage Details - 2026
- CVS Prescription Specialty Drug Coverage Details - 2026
- Cigna Prescription Drug Formulary - 2025 (Pre-Medicare)
Summary Plan Descriptions
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
- High Deductible Plan
- Appendix A for: High Deductible Plan (Pre-Medicare Retirees)
Morton
For Plan Year 2026
- Appendix A: Medicare Advantage Morton Medical (formerly CMED plan; Medicare Retirees)
- Appendix A: Medicare Advantage Morton PPO (Medicare Retirees)
- Appendix A : Medicare Advantage Low Deductible (Medicare Retirees)
ROH Self-Funded HMO Plans
For Plan Year 2026
- Appendix A for: Blue Care Network Summary of Benefits and Coverage 2026
- Appendix A for: Blue Care Network (Midland/Tri-Cities Michigan) Self Funded Plan 2026
- Appendix A for: Evidence of Coverage
ROH Fully-Insured HMOs and Insured Health Plans
For Plan Year 2026
- Appendix A for: 2026 Humana Fully-Insured Plan - Medical (Medicare Retirees)
- Appendix A for: 2026 Humana Fully-Insured Plan - Pharmacy (Medicare Retirees)
- Appendix A for: Medicare Advantage Low Deductible (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.
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:
2026 plan year:
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.
Summary of Material Modifications
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.
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.
COLA Increase
For information about the Cost of Living Adjustment for 2025 under the Rohm and Haas Company Retirement Plan, view the document below.
Beneficiary Designations
If a participant in the Dow Employees’ Pension Plan (the “DEPP”) or the Union Carbide Employees’ Pension Plan (the “UCEPP” and together with the DEPP, the “Plans”) dies commencing their benefit, the Plan may pay a death benefit to the participant’s beneficiary. The Plans contain rules for how to determine the participant’s beneficiary, if a death benefit is payable, and, in certain circumstances, the Plans allow the participant to designate who their beneficiary will be.
If you are married at the time of your death, your spouse is automatically designated as your beneficiary for this purpose—no action or form submission is required to confirm this with Dow. If you are not married, it’s important to keep your beneficiary information current to ensure your wishes are honored. To update your beneficiary designation, please complete and submit the form below to the Dow Benefits team.
Introducing BlackRock LifePath Paycheck™ Funds: LifePath Paycheck is an all-in-one investment solution designed to help you obtain your retirement growth potential during your working years and provide you the option to use a portion of those savings to purchase a lifetime income stream for retirement.
To learn more, visit the following:
- Listen to BlackRock and Dow discuss BlackRock LifePath Paycheck.
- Review BlackRock LifePath Paycheck informational guide.
- Log in to Fidelity’s NetBenefits and click on the BlackRock LifePath Paycheck notification at the top of the screen.
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.