Human Resources

Inside this Issue:

Online Resources2  Access Aetna Navigator

3  Shop for health care with WellMatch*

Health and Wellness4  Live healthier with the Omada Diabetes

Program*

5  Try a Teladoc visit*

6  Schedule your preventive care

Mental Health 7  Boost your emotional well-being with

the myStrength portal

Retiree Discounts8  Get ready for summer with Dow retiree

discounts

Financial Preparedness9  Review Your Life Insurance Beneficiary

Information

Terminal Illness and End-of-Life Services9  Learn about The Conversation Project

10  Get Compassionate Care with a diagnosis*

11  Know about funeral planning and discounts from MetLife

*  Pre-Medicare retirees only

Benefits News

Welcome to our latest issue of Benefits News! We’ve got plenty of great information that can help you stay healthier now, plan wisely for the future and make the most of your retiree benefits. To learn more, you can always go to www.dowfriends.com.

Summer 2018

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Benefits News | Summer 2018

Stay on track with Aetna Navigator® First things first. Your member website is hands down the best place for handling benefits business. From claims information to finding a specialist, the Aetna Navigator website is your online health hub. You’ll find information and tools to help you make the most of your plan benefits. It’s also where you’ll find the resources to help you save money on health care.

Follow these simple steps to register. Then, each time you access the site, your information will be personalized for you.

1. Have your Aetna member ID card handy

2. Go to aetna.com and click “Login.”

3. Follow the prompts to create your user name and password.

Online Resources

Download the Aetna Mobile appAccess the most popular features of Aetna Navigator on your Android™ or Apple® device, and have a digital copy of your member ID card with you at all times with Aetna Mobile. You’ll use the same log-in information you use for the member website.

Text Apps to 23862 (data and messaging rates may apply) to download Aetna Mobile.

On Navigator, you’ll be able to:

Find network doctors Remember, your share of the cost is lower when you use network doctors. Finding them is quick and easy with our DocFind® search tool, which is prefilled with all your plan information. Log in to aetna.com > Find Care. Then, choose the type of doctor or facility you are looking for.

Locate walk-in clinics and urgent care centers close to you These facilities can handle non-life-threatening issues when you can’t see your regular doctor. And, they are much less expensive (and usually faster) than a trip to the emergency room. Log in to aetna.com > Find Care.

View your claims and Explanation of Benefits (EOB) statements Log in to aetna.com > Manage Claims.

View or replace your Aetna ID card You can view your card online by logging in to aetna.com > ID Card. If you need a replacement ID card, you can request one by calling Aetna at the number below:

• Pre-Medicare retirees: 1-888-488-4488

• Post-Medicare retirees: 1-800-7-DOWDOW (1-800-736-9369)

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Benefits News | Summer 2018Pre-Medicare Retirees

Find care that fits your needs with WellMatch®

With WellMatch, you can shop for doctors and procedures just like you would anything else: by comparing cost estimates, quality ratings, consumer reviews and more. And because WellMatch is brought to you by Aetna, the information is personalized based on your health plan. That means your search estimate includes your cost-sharing details, such as any remaining deductible or the percent amount you need to pay.

Simple steps to get you started • Watch a video that will walk you through how to use

WellMatch. Go to https://vimeo.com/200210367 (password: Health2013).

• View the online user guide for step-by-step instructions at www.dow.com/friends/benefits.

Use WellMatch directly or through Aetna Navigator

• Go to www.wellmatchhealth.com to create your password. Then download the free mobile app to take WellMatch on the go.

• Or, log in at www.aetna.com > See Coverage & Costs > Estimate Costs, to access WellMatch through Aetna Navigator.

Call 1-888-488-4488 if you need help.

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Benefits News | Summer 2018Pre-Medicare Retirees

Health and Wellness

Live healthier with the Omada® Diabetes Program Since the launch of our virtual Diabetes Prevention Program, more than 3,500 Dow people have taken action to reduce their risk for diabetes by participating in this innovative online healthy living program!

Omada is based on our Diabetes Prevention Program clinical trial, which showed that people at high risk can delay or avoid developing type 2 diabetes by losing weight through diet and exercise. Participants who made these healthy lifestyle changes reduced their risk of developing diabetes by 58%! Plus, they lost 5% of their body weight — and maintained that loss for a year or more!

If your doctor has said you’re at risk for type 2 diabetes or heart disease, and you participate in a Dow medical plan, we will cover the entire cost of the program for you and your eligible adult dependents — a $700 value.

See if you’re eligible to participate You can contact the HR Service Center at 1-877-623-8079 with questions.

1. You must be covered under a Dow medical plan.

2. You must complete the one-minute risk screening questionnaire, which can be accessed at www.omadahealth.com/dow.

3. If you qualify to participate based on #1 and #2 above, Dow will cover the entire cost of the program.

You may not qualify to participate if you’re not covered under a Dow medical plan, or your body mass index (BMI) is less than 24.

Important update for Medicare-eligible retirees: CMS/Medicare will cover diabetes prevention programs for Medicare participants.

Your participation in Omada is voluntary, and your responses will be handled confidentially. No individually identifiable data will be shared with Dow. Your responses to the screening will be stored by Omada during the term of the program.

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Benefits News | Summer 2018Pre-Medicare Retirees

Talk to a doctor from home or workAs an Aetna member, you and your covered family members can use Teladoc® anytime, day or night. With this service, you’ll have access to U.S. board-certified doctors and pediatricians, by phone or video consult. Teladoc doctors can write prescriptions and coordinate care with your regular doctor. And the cost can often be less than an in-person office visit.

Teladoc doctors can treat and prescribe for many medical conditions, including:• Allergies and respiratory concerns• Cold and flu symptoms• Headaches and earaches• Pink eye• Rashes and itching• Sinus issues• Urinary tract infections• Other non-emergency issues

Enhanced benefits added!Your Teladoc benefits now offer access to behavioral health providers and dermatologists.

• Behavioral health professionals can help with addiction, depression, mental and physical challenges, family difficulties and other challenges. Whether you need one or multiple consultations, Teladoc can help you find peace of mind.

• Dermatologists can treat ongoing or complex skin conditions like psoriasis, skin infection, rosacea, suspicious moles and many more. Simply log in to your account and upload images of your issue. You will receive a response online through Teladoc’s message center within two business days.

Simply log in to your account and request the type of visit you’d like to get started.

Don’t wait! Set up your account now — before you need care in a hurryYou have three ways to register:

1. Online: Go to teladoc.com/aetna2. By phone: Call 1-855-Teladoc (1-855-835-2362)3. Download the app: Get the free Teladoc app from

the App Store® or Google Play™.

Teladoc operates subject to state regulation.

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Benefits News | Summer 2018All Retirees

Schedule your preventive care and wellness screeningsIt’s still worth a pound of cure, and it’s still covered at 100% — so you have nothing to lose and everything to gain. If you haven’t already done so, be sure to schedule gender- and age-appropriate preventive services and screenings for yourself and your family.

Everyone’s risks for disease can differ based on age, gender, family history and more. That’s why you should talk to your doctor about which preventive care services are right for you and your family. The following are common screenings that are generally covered with no copay or deductible by Dow medical plans.*

Service Frequency Gender Age

Adult physical exam Annual Male and female 18+

Blood pressure reading As recommended by your doctor

Male and female 18+

Cholesterol test As recommended by your doctor

Male and female 18+

Blood sugar test As recommended by your doctor

Male and female 18+

Routine eye exam Annual Male and female 18+

Cervical cancer screening (Pap test)

Annual Female 18+

Breast cancer screening (mammogram)

Annual Female 40+

Prostate cancer screening Talk to your doctor about what’s right for you

Male 40+

Colorectal cancer screening Talk to your doctor Male and female 50+Frequency depends on test type: • Colonoscopy Every 10 years• Sigmoidoscopy/

Barium enema/Virtual colonography

Every 5 years

• Fecal occult Annually

For a full list of recommendations, go to https://www.cdc.gov/vaccines/schedules.

*Age, gender and frequency schedules may apply.

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Benefits News | June 2018All Retirees

Boost your emotional well-being with myStrength™ The myStrength online portal is like a health club for your mind! And it’s free to join. At myStrength, you’ll find tools to help you overcome depression, anxiety, stress, substance misuse and chronic pain. It’s clinically proven, easy to use and completely confidential.

Once you’re set up with myStrength, you’ll log in to a home page created just for you. You can read articles, watch videos and try eLearning programs. Or you can just get inspired by the daily quote.

Need a little help on the go? Take these support services with you by using the myStrength app:

• Get custom inspiration based on your mood

• Track your mood over time

• Upload your own inspiring photos and videos

• Opt to receive check-in reminders

Connect to myStrength today at www.mylifevalues.com (user name: MYDOWEAP, password: MYDOWEAP).

Mental Health

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Benefits News | Summer 2018

Retiree Discounts

Get ready for summer with Dow retiree discountsSaving money sounds good, right? Then you’ll like the sound of these discounts available to Dow retirees. You can get discounts on a variety of building materials, including insulation, shingles and paint — as well as vehicle rental and purchases. To learn more, go to www.dowfriends.com > Benefits (U.S.) > Check out these great discounts > Retiree discounts.

Building MaterialsDow retirees in North America are eligible to take advantage of the “Save More With Dow” rebate program. Dow Building Solutions (DBS) offers a full line of building envelope solutions designed to deliver energy efficiency, moisture resistance and protection from air infiltration. Qualifying products include:

• STYROFOAM™ Brand Insulation

• WEATHERMATE™ Housewraps

• GREAT STUFF™ Insulating Foam Sealant

In addition, Dow retirees in the U.S. can take advantage of the DOW POWERHOUSE™ Solar Shingles rebate program. This program provides a $750 rebate. Retirees can also get 20% off retail prices at O’Leary Paint.

Just in time for summer, Dow retirees can take advantage of a free home energy audit from Dr. Energy Saver. This energy audit is a $425 value, available at no cost to retirees living in the U.S. To schedule an appointment, just call Jim Haines at 1-888-635-6751.

Vehicle Rental and PurchaseWhy not drive into summer with a discount? If you’re renting a car at Avis, Dow retirees are eligible for Avis corporate rental rates. Just be sure to use discount number A333300 at Avis. And if you’re buying a new car, discounts are available from Chrysler, Ford and Mitsubishi. Chrysler and Ford discounts are available in the U.S. and Canada. The Mitsubishi discount is only available in Canada.

All Retirees

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Benefits News | Summer 2018All Retirees

Financial PreparednessReview your life insurance beneficiary information As the people in your life change, so might your desired beneficiaries and contingent beneficiaries. Dow offers several benefits policies for which you may have named beneficiaries. You should review them from time to time, especially if you have recently experienced a life event.

To review or update your life insurance beneficiary information, please visit www.metlife.com/mybenefits.

Terminal Illness and End-of-Life ServicesThe Conversation Project about end-of-life wishesThe Conversation Project is a campaign with a goal that is both simple and transformative: to have every person’s end-of-life wishes expressed and respected. Too many people die in a manner not of their choosing. The Conversation Project offers people the tools, guidance and resources they need to begin talking about their wishes and preferences.

Dow Health Services is working in partnership with The Conversation Project to bring this important resource to you and your family. The campaign does not promote any specific preference for end-of-life care; instead, it seeks to encourage and support people in expressing their end-of-life wishes for care.

Co-founded by Pulitzer Prize winner Ellen Goodman, in collaboration with the Institute for Healthcare Improvement (IHI), The Conversation Project’s cornerstone is a website that offers visitors a Conversation Starter Kit and asks people to submit their personal stories to be shared at www.theconversationproject.org and via YouTube®, Twitter® and Facebook®. By sparking

cultural change at the kitchen table — not in the intensive care unit — The Conversation Project hopes it will become easier for people to communicate end-of-life wishes that can be expressed in advance and respected at the end.

While the subject is end of life, this conversation is best carried out as early as possible. This way, people can discuss their wishes without pressure, when they are still relatively young and healthy.

“We are all mortal, yet as a society, we have been painfully slow in recognizing how many of the people we love are not dying in the way they would choose: in comfort, among people who care about them, and engaged in what matters most for as long as possible,” said Goodman. “We believe this is the time to change the cultural norm from not talking about how we want to live at the end of our lives to talking about it.”

Visit www.theconversationproject.org to review and request the resources you need to begin the conversation with your family and friends.

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Benefits News | Summer 2018Pre-Medicare Retirees

More ways to support your benefits and care options When facing a serious illness or disease, it’s important to know that you are not alone. That’s because an Aetna Compassionate Care℠ case manager will work with you and your loved ones every step of the way. You’ll get guidance and support to help you make best use of the health system, your benefits and your care options. This program is part of your health plan, so you pay nothing extra to take advantage of it.

Charting a course through the health care system A serious diagnosis can weigh heavily on your mind, which can take away from your ability to find the best answers. Your Compassionate Care case manager can:

• Help you understand your condition, treatments and choices

• Review and coordinate health care services for you

• Work with doctors and other health care providers, home health care and hospice

• Connect you with social workers, behavioral health specialists, community and faith-based resources

• Help you manage pain and symptoms

• Find extra support if you’re a caregiver to a loved one.

Expert backing from a team of specialists The program’s medical directors are licensed doctors, who provide important medical oversight and direction. Staff social workers can help with issues like:

• Transportation to and from treatment

• Financial concerns

• Housekeeping, and more.

Understand more about hospice services If you’re considering hospice, your case manager can help you think it through. Your case manager can:

• Walk you through your Aetna plan’s hospice benefits

• Give you information to help you make decisions that are best for you.

To learn more, visit www.aetna.com and search for “Compassionate Care Program” or call 1-888-488-4488.

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Benefits News | Summer 2018All Retirees

Funeral planning and discounts from MetLife®

Losing a loved one is always so difficult. It’s a time when you can use help so that planning and decision-making are a little easier. Your MetLife life insurance policy includes funeral planning services and discounts* from Dignity Memorial™.

You and your family will have access to compassionate counselors, as well as discounts on funeral services, through the largest network of funeral homes and cemetery providers in North America.

• Discounts of up to 10% off funeral, cremation and cemetery services

• Expert assistance — available 24 hours, 7 days a week, 365 days a year — to help guide you and your family in making confident decisions

• Planning services — online, over the phone or in print — to help make final wishes easier to manage

• Bereavement travel services to help with time-sensitive travel arrangements to be with loved ones

Visit www.finalwishesplanning.com or call 1-866-853-0954 to connect with a Dignity Memorial counselor.

*Discounts through Dignity Memorial’s network of funeral providers are pre-negotiated.

The Dow Chemical Company 2040 Dow Center Midland, MI 48674

“Dow” refers to The Dow Chemical Company and its subsidiaries that are authorized to participate in the benefit plans described in this guide.

The brief summaries of benefits in this communication provide only general information. You should refer to the plan document and summary plan description of the applicable plan(s) for a more complete description of a plan’s terms. If there is any conflict between (a) information in this communication and any oral or written representations made by anyone regarding a plan, and (b) the legal documents of a plan, including the plan document or summary plan description for the applicable plan, the plan legal documents will govern. The Dow Chemical Company reserves the right to amend, modify, and terminate the plan(s) described in this communication at any time in its sole discretion. The foregoing descriptions are subject to change based on the terms of the plan(s) and applicable law.

® Trademark of The Dow Chemical Company (“Dow”) or an affiliated company of Dow.

© 2018 The Dow Chemical Company. All rights reserved.

Lit.#318-61257

Published June 2018

More Information and ResourcesContact the Dow Retiree Service Center via the Message Center on the Dow Benefits Website or call 1-800-344-0661, option 1. You can view a copy of this newsletter at www.dowfriends.com.

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