Future Financial Security

Retirement is that special opportunity to enjoy the benefits of a long and rewarding career. Our plans enable you to prepare for your retirement years throughout your whole working career.

Savings Plan

Our Savings Plan is an opportunity for both you and Dow AgroSciences to contribute to your financial security when you retire. Dow AgroSciences 401(k) plan can play an important role in helping you build this savings.

The plan provides:

• The ability to contribute a percentage of pre-tax base earnings annually in accordance with IRS contribution limits
• The ability to contribute a percentage of after-tax earnings annually
  Annual matching contribution for each dollar you contribute up to a percentage of your base pay after completing one year of service
• A number of fund options to choose from and flexibility in changing investment choices
• Twenty-four hour access to personal account information via the internet and phone
• An opportunity to roll over previous employer 401(k) plans to the Dow account

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Pension Plan

The Dow Employees’ Pension Plan (DEPP) is provided to all eligible employees at no cost to the employee. This plan is a qualified defined benefit pension plan. The pension benefit is based on a formula using age, years of credited service and final average pay. Final average pay is based on your three highest consecutive years (HC3A) of earnings (base pay and target performance award). The pension benefit is based on a steady accrual pattern, earning pension value throughout your career at Dow.

Eligible employees will accrue a percentage of total pay for each year of service according to the schedule below. Upon separation from Dow, your final average pay is multiplied by your total percentage accrued to determine the value of the DEPP account balance. The DEPP account balance will be converted to a monthly annuity to be paid when you begin receiving your benefit.

Employees are vested in the DEPP after five years of service with at least 1,000 hours worked in each of those five years.

¹The maximum amount of basic annual accruals is 425%.
²The supplemental annual accrual will be used if your HC3A exceeds the Social Security wage base. The maximum amount of supplemental annual accruals is 120%.

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Retiree Medical and Life Insurance Coverage Continuation

Retiree medical and life insurance also may be available to eligible retirees until they are eligible for Medicare. Dow subsidizes this coverage up to a set maximum. Retirees must pay premiums for this coverage.

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Stock Purchase Plan

Dow AgroSciences has a Stock Purchase Plan, enabling employees to buy stock of The Dow Chemical Company at a discount and therefore share in the company's success.

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Financial Planning

Financial Planning Services are available through our Employee Assistance Program.

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Long-Term Care Insurance

This employee-paid insurance provides qualified nursing home care or home health care services for you and your covered family members. Dow provides employees with the option of purchasing coverage directly from John Hancock Life Insurance Company.

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Please keep in mind…

• This information is intended only as an overview for quick reference purposes. Many details and provisions of the various plans and policies have been omitted. If there are discrepancies between this information and the plan documents, summary plan descriptions, certificates of insurance, or other official documents, such documents shall govern.
• Availability of some plans and programs and benefits coverages may differ for certain bargained-for groups.
• The Dow Chemical Company reserves the right to amend, modify and terminate any plan, program or policy at any time, at its sole discretion.