Health & Insurance

Summary Plan Descriptions

Medical

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.

Costs & Coverage

To help you make an informed choice, review the charts below outlining the cost and coverage of the medical plans offered to Dow employees and eligible family members.

Pharmacy

Summaries of Benefits & Coverage

Cigna - International Medical and Dental Plan

Access to this plan is limited to eligible participants only

Appendix A Information

COBRA

Forms

Resources

Dental

Costs & Coverage

Summaries of Benefits & Coverage

Plan Information

COBRA

Forms

Contacts

Vision

Vision

Cost & Coverage

For plan year 2024

Contacts

Life & Accident Insurance

Life & Accident Insurance

Life Insurance

Life Insurance Extras

Will Preparation and Estate Resolution Services

Employees who are enrolled in Employee-Paid Life Insurance can prepare or update a standard will for little or no cost, and probate assistance is available for their estate.

Accident Insurance

Forms

Other

Other

Long Term Disability

Group Legal Plan

The Group Legal Plan provides personal legal services for eligible Employees, their Spouses and Dependent Children.

Your RHCAP is switching to Via Benefits, powered by WTW. Starting on December 27, 2023, Via Benefits will help you use the Retirement Health Care Plan (RHCAP) you currently manage through HealthEquity. You'll receive more information soon, including how to use the Via Benefits Accounts mobile app and website to keep track of your account activity, check balances, submit expenses, upload supporting documents, and more!

RHCAP

RHCAP Fund Performance

RHCAP Plan assets are invested in two institutional funds provided by Northern Trust. The default election invests 60% of the assets in an equity fund and 40% in a fixed-income fund. Additionally, a secondary option is available which allocates 20% of the assets to an equity fund and 80% in a fixed-income fund. The assets are invested in the following funds:

Northern Trust U.S. Investable Market Index Fund – The market index fund employs a "passive management" or indexing investment approach. The primary objective of the market index fund is to approximate the risk and return characteristics of the Morgan Stanley U.S. Investable Market Index. This index is commonly used to represent the broad U.S. equity market. To achieve its objective, the fund employs a replication technique which generally seeks to hold each index constituent in its proportional index weight.

Northern Trust Aggregate Bond Index Fund - The bond index fund employs a "passive management" or indexing investment approach. The primary objective of the bond index fund is to hold a portfolio representative of the overall U.S. bond and debt market, as characterized by the Barclays Capital Aggregate Index. The bond index fund provides the desired exposure using quantitative techniques which maintain the portfolios neutrality to the index by monitoring a broad range of factors while limiting exposure to liquid securities and excessive transaction costs.

The investment goal of the RHCAP fund is to provide one option (60% equity / 40% fixed income (default)) which aims to deliver growth of capital and low to moderate level of current income and a second option (20% equity / 80% fixed-income) which aims to deliver a low level of growth of capital and a moderate to high level of current income. The investments are subject to the volatility of the financial markets and there may be periods during which the returns are or could be negative.

IMPORTANT!

Choosing to move to the 20/80 fund is a permanent and irrevocable election.

You cannot change back to the 60/40 fund in the future.

RHCAP Annual Portfolio Returns*

As of August 31, 2023

20% Equity/ 80% Fixed Income Portfolio

60% Equity/ 40% Fixed Income Portfolio