Dow recently announced a refreshed Total Rewards offering. Please note these changes do NOT impact Retirees.
New medical plan names, same great coverage. We’ve simplified the names of our two core plans available through Aetna:
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 ROH retirees and eligible family members.
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.
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.
Contact your HMO or the Retiree Service Center (800-344-0661) to obtain a copy of the HMO publication, which contains coverage details.
For information regarding your retiree life insurance coverage, please download the applicable Summary Plan Description (SPD) below.
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.
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.
For a detailed description of the Pension Plan for Heritage Rohm and Haas Employees and its Participating Subsidiary Companies, refer to information below.
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.
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.
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.
For further information on the lump sum interest rate assumptions applied under the Rohm and Haas Company Retirement Plan, view the Lump Sum Notice.
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.
For information about the Cost of Living Adjustment for 2023 under the Rohm and Haas Company Retirement Plan, view the document below.
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.