New Employee Benefits Enrollment - Dow Corning

ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)
In the case of a death, a number of additional benefits are also provided through the plan. Some
examples are:
� Survivor benefit – in addition to any other benefits payable, provided the employee has a
surviving spouse, domestic partner and/or surviving dependent children. The benefit will be one
percent of the principal amount, per month for six months.
� Child care benefit – to assist with the costs related to a surviving child’s enrollment in a
qualified child care center. The benefit will be five percent of the principal amount (up to $5,000
per year) for up to four years for each dependent child enrolled in a qualified child care center.
� Education benefit – to assist with costs related to a surviving child’s enrollment in a qualified
higher education program. The benefit will be five percent of the principal amount (up to $5,000
per year) for up to four years for each surviving child enrolled in a qualifying higher education
program.
� Seat belt and air bag benefits – if the insured person dies in an automobile accident in which a
seat belt was in proper use and the automobile was equipped with an airbag for that location in
the car. The benefit will be 20 percent of the principal amount, up to $50,000.
You should know…
� If your spouse or domestic partner is an Employee or Retiree of Dow Corning, your spouse or
domestic partner may enroll for coverage under your plan, you may enroll for coverage under
your spouse’s or domestic partner’s plan or you may both enroll individually for the maximum
amount of coverage. However, you may not enroll for coverage under both plans to receive
double coverage. If you both enroll individually, children are covered under the parent with the
highest level of coverage.
Annual Employee Contribution for 2008
AD&D Employee
$ 2.16 per $10,000 of coverage
Waiver - $ 0
AD&D Spouse or Domestic Partner*
$ 2.16 per $10,000 of coverage
Waiver - $ 0
* Per IRS regulations, Dow Corning cannot withhold benefit premiums for a domestic partner on a pre-tax basis.
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