If you are visually impaired or blind, you can visit the PDF version by Pressing CONTROL + ALT + 4
<br /> 2018 Annual Enrollment | November 1 – 17, 2017<br /> Active Employees<br /> DOW U.S. BE<br /> NEFITS DECISION GUIDE<br /> SOLUTIONS FOR A BETTER FUTURE<br /> Choosing Your 2018 Benefits<br /> You are the Human Element. You help make great things happen and bring<br /> our solutions to life. This is why Dow invests in you, and provides rewards<br /> and benefits for you to live a healthy and vibrant life. Annual enrollment is a<br /> time to learn about your options and choose the benefits that will help you<br /> and your family thrive.<br /> 2018 Benefit Highlights<br /> Use this guide with the tools on the Dow Benefits website to help you<br /> consider your needs, evaluate your choices and make the best benefit<br /> decisions for 2018.<br /> The Dow Benefits website offers several tools to help you choose your benefits:<br /> - Medical Plan Comparison and Cost Analysis Tools<br /> - Dental Plan Comparison Tool<br /> - Life Insurance Needs Analysis Tool<br /> - Re<a title="Dow 2018 Benefit Decision Guide page 1" href="http://viewer.zmags.com/publication/7e3be868?page=1"> 2018 Annual Enrollment | November 1 – 17, 2017 </a> <a title="Dow 2018 Benefit Decision Guide page 2" href="http://viewer.zmags.com/publication/7e3be868?page=2"> 2018 Benefit Highlights Use this guide with the to</a> <a title="Dow 2018 Benefit Decision Guide page 3" href="http://viewer.zmags.com/publication/7e3be868?page=3"> Ask .............................................</a> <a title="Dow 2018 Benefit Decision Guide page 4" href="http://viewer.zmags.com/publication/7e3be868?page=4"> ASK 4 Employee Benefits Decision Guide 2018</a> <a title="Dow 2018 Benefit Decision Guide page 5" href="http://viewer.zmags.com/publication/7e3be868?page=5"> Ask To better understand which benefits are right </a> <a title="Dow 2018 Benefit Decision Guide page 6" href="http://viewer.zmags.com/publication/7e3be868?page=6"> INVESTIGATE 6 Employee Benefits Decision Guide</a> <a title="Dow 2018 Benefit Decision Guide page 7" href="http://viewer.zmags.com/publication/7e3be868?page=7"> Medical Plans Dow offers several options for medi</a> <a title="Dow 2018 Benefit Decision Guide page 8" href="http://viewer.zmags.com/publication/7e3be868?page=8"> MAP Plus – Two Choices (continued) How the MAP Pl</a> <a title="Dow 2018 Benefit Decision Guide page 9" href="http://viewer.zmags.com/publication/7e3be868?page=9"> HMOs and HMO-like Plans – Only Available at Some </a> <a title="Dow 2018 Benefit Decision Guide page 10" href="http://viewer.zmags.com/publication/7e3be868?page=10"> DECIDE — WHICH MEDICAL PLAN IS RIGHT FOR ME? If y</a> <a title="Dow 2018 Benefit Decision Guide page 11" href="http://viewer.zmags.com/publication/7e3be868?page=11"> Health Savings Account (HSA) If you enroll in MAP</a> <a title="Dow 2018 Benefit Decision Guide page 12" href="http://viewer.zmags.com/publication/7e3be868?page=12"> What are the benefits of an HSA? Learn how an HSA </a> <a title="Dow 2018 Benefit Decision Guide page 13" href="http://viewer.zmags.com/publication/7e3be868?page=13"> Dental Plans Dow offers choices for dental covera</a> <a title="Dow 2018 Benefit Decision Guide page 14" href="http://viewer.zmags.com/publication/7e3be868?page=14"> DECIDE – WHICH DENTAL PLAN IS RIGHT FOR ME? If yo</a> <a title="Dow 2018 Benefit Decision Guide page 15" href="http://viewer.zmags.com/publication/7e3be868?page=15"> Vision Care Plan You have the option to elect the</a> <a title="Dow 2018 Benefit Decision Guide page 16" href="http://viewer.zmags.com/publication/7e3be868?page=16"> Reimbursement/Flexible Spending Accounts (FSAs) T</a> <a title="Dow 2018 Benefit Decision Guide page 17" href="http://viewer.zmags.com/publication/7e3be868?page=17"> Current HCRA Participants Electing the HSA for 20</a> <a title="Dow 2018 Benefit Decision Guide page 18" href="http://viewer.zmags.com/publication/7e3be868?page=18"> DECIDE – WHICH REIMBURSEMENT ACCOUNT IS RIGHT FOR</a> <a title="Dow 2018 Benefit Decision Guide page 19" href="http://viewer.zmags.com/publication/7e3be868?page=19"> Retirement Health Care Assistance Plan (RHCAP) Th</a> <a title="Dow 2018 Benefit Decision Guide page 20" href="http://viewer.zmags.com/publication/7e3be868?page=20"> Life Insurance Life insurance benefits offer an im</a> <a title="Dow 2018 Benefit Decision Guide page 21" href="http://viewer.zmags.com/publication/7e3be868?page=21"> Dependent Life Insurance for Child(ren) Provides </a> <a title="Dow 2018 Benefit Decision Guide page 22" href="http://viewer.zmags.com/publication/7e3be868?page=22"> Accident Insurance Dow offers insurance that prov</a> <a title="Dow 2018 Benefit Decision Guide page 23" href="http://viewer.zmags.com/publication/7e3be868?page=23"> Long Term Disability (LTD) The LTD program provid</a> <a title="Dow 2018 Benefit Decision Guide page 24" href="http://viewer.zmags.com/publication/7e3be868?page=24"> Legal Plan MetLaw, offered through Hyatt Legal Pl</a> <a title="Dow 2018 Benefit Decision Guide page 25" href="http://viewer.zmags.com/publication/7e3be868?page=25"> QUESTIONS? Employee Benefits Decision Guide 2018 </a> <a title="Dow 2018 Benefit Decision Guide page 26" href="http://viewer.zmags.com/publication/7e3be868?page=26"> Questions? Check out the Resources link, found in</a>