Legacy Dow Corning Retirees IMPORTANT INFORMATION ABOUT YOUR DOW CORNING RETIREMENT PLANS
|
|
- Blaise Osborn Mathews
- 6 years ago
- Views:
Transcription
1 Legacy Dow Corning Retirees IMPORTANT INFORMATION ABOUT YOUR DOW CORNING RETIREMENT PLANS Review this information carefully to learn more about what s happening with your Dow Corning Corporation Employees Retirement Plan (ERP) beginning January 1, 2017.
2 Important Information about Your Dow Corning Retirement Plans November 2016 What s Happening Effective January 1, 2017, the Dow Corning Corporation Employees Retirement Plan (ERP) will merge into the Dow Employees Pension Plan (DEPP). This update will not change your pension benefit payment amount. Changes you will experience include administrative updates and the way you receive pension benefit related support from Dow. Dow is taking action in an effort to simplify administration, while also meeting obligations to plan participants and providing additional resources. Carefully review this booklet to understand what to expect, steps to take and where to go for support beginning January 1, What You Can Expect While your pension benefit amount will not change, you will experience some administrative changes. Here is what you can expect to change and stay the same beginning January 1, WHAT IS CHANGING - The issuer of your pension benefit (shown on your bank statement or check) - Resources available to help you with pension-related requests - When pension statements will be mailed to you - The issuer of your Form 1099 beginning in 2018 (for the 2017 tax year) WHAT IS NOT CHANGING - Your gross pension benefit amount (note that your payment amount will be updated to reflect benefit deductions based on your benefit elections, if applicable) - How you receive your pension benefit payment (check vs. direct deposit) - Tax withholdings (note that the method used for calculating tax withholdings may be updated in the future after new tax forms and documentation are processed) If you have a nonqualified plan benefit, the timing of your payment for this benefit will move from midmonth to the end of the month. This separate payment will be made at the same time as your qualified plan payment. The company continues to provide your payment, though Dow will be shown on the payment or bank statement, instead of Dow Corning. 1
3 Important Information about Your Dow Corning Retirement Plans November 2016 What You Can Expect (Continued) More About What Is Changing - Pension benefit payments will be made by the Dow Employees Pension Trust. Currently, Northern Trust issues benefit payments under the Dow Corning ERP. Pension benefit payments you receive on or after January 1, 2017, will come from the Dow Employees Pension Trust. As a result, you will see Dow Employees Pension Trust on your pension check or bank statement (if you currently receive your benefit payment via direct deposit). - You will have access to new resources for help with pension-related requests. The Dow Retiree Service Center and Dow Benefits website will be your go-to resources for pension-related requests. - Pension statements will be mailed to you in January and December, as well as in any month in which your net pension benefit changes (for example, due to changes in tax withholding or benefit premiums). Note you will no longer receive monthly statements by mail. More About What Is Not Changing - Your pension benefit amount stays the same. You will receive the same pension benefit amount as you do today. The method used for calculating tax withholdings may be updated in the future after new tax forms and documentation are processed, but this will not change the gross amount of your benefit. - You will continue to receive your pension benefit payment the same way you do today via direct deposit or paper check mailed to you. - Deductions from your pension payments for retiree medical and life insurance premiums will continue (if applicable). Deduction amounts will reflect your elections for 2017 and any year-to-year cost increases. - Your Form 1099 will come from Dow for payments made in 2017 and going forward. Northern Trust will send your Form 1099 in January 2017 for your 2016 payments. 2
4 Important Information about Your Dow Corning Retirement Plans November 2016 Your Resources Dow has a number of valuable resources available to you as a retiree. Take advantage of these resources as you have questions throughout the year. Dow Retiree Service Center For all benefit-related questions (including pension-related requests starting January 1, 2017), contact the Dow Retiree Service Center: Access the Dow Benefits website Click on Message Center PHONE (Monday Friday, 8 a.m. 6 p.m. Eastern Time) Experienced representatives will assist you with your requests. This is the same service center you currently use for assistance with health and welfare benefits. Dow Benefits Website You may be familiar with the Dow Benefits website ( if you accessed it during annual enrollment. This website is currently available for health and welfare information (unless you receive your retiree benefits coverage through the Aon Hewitt Exchange). Soon you will have access to pension information too. You will receive more information about how to use the Dow Benefits website for pensionrelated information next year before the online self-service features take effect. Dow Friends Website Keep in mind you will continue to have access to the Dow Friends website ( for general information about your pension, resources and other programs. If you have pension-related questions and/or requests before January 1, 2017, you should continue to call the Dow Corning HR Service Center at
5 The Transition Timeline Here s an overview of what is happening when and what action you may need to take as a result. Now through December 31, 2016 Continue to call the Dow Corning HR Service Center at for any pension-related questions. Beginning January 2017 Contact the Dow Retiree Service Center at for pensionrelated requests. 2nd Quarter of 2017 Access the Dow Benefits website to use online self-service features related to your pension benefit (e.g., update your contact information, tax withholding assumptions, direct deposit information).
6 PO Box 2169 Midland, MI Important Information about Your Dow Corning Retirement Benefits - New number to call for your pension benefits starting January 1, Pension-related information coming to Dow Benefits website in 2017 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. Content Steward: Bill Mon LIT #
Live a Healthy and Vibrant Life
2017 Annual Enrollment November 2 18, 2016 Medicare -Eligible Retirees DOW U.S. BENEFITS WHAT S NEW FOR 2017 Live a Healthy and Vibrant Life Your Dow retiree benefits support you in living a healthy and
More informationDOW U.S. BENEFITS WHAT S NEW FOR
2018 Annual Enrollment November 1 17, 2017 Medicare -Eligible Retirees DOW U.S. BENEFITS WHAT S NEW FOR 2018 Live a Healthy and Vibrant Life Your Dow retiree benefits support you in living a healthy and
More informationNew Hires. Dow Benefits Quick Reference Guide Helping You Thrive
New Hires Dow Benefits Quick Reference Guide Helping You Thrive Welcome to The Dow Chemical Company This guide is designed to provide you with information on your benefits what to expect within the next
More informationWHAT S NEW FOR Helping You Thrive. Active Employees DOW U.S. BENEFITS. Inside Annual Enrollment November 4 November 20, 2015
2016 Annual Enrollment November 4 November 20, 2015 Active Employees DOW U.S. BENEFITS WHAT S NEW FOR 2016 Helping You Thrive The most important element in our Company s success is you, the Human Element.
More informationSummary Plan Description for the DEPP Component of the Dow Employees Pension Plan. Applicable to Employees Hired Prior to January 1, 2008
Summary Plan Description for the DEPP Component of the Dow Employees Pension Plan as amended and restated effective January 1, 2017 Applicable to Employees Hired Prior to January 1, 2008 A U.S. Benefit
More informationRohm and Haas Company Retirement Plan
Summary Plan Description Appendix I of the Dow Employees Pension Plan Rohm and Haas Company Retirement Plan A U.S. Benefit Plan As in Effect on January 1, 2017 If you are an active Employee of the Company,
More informationPARTICIPATION IN THE Lucent Technologies Inc. Long Term Savings and Security Plan
PARTICIPATION IN THE Lucent Technologies Inc. Long Term Savings and Security Plan Participation in the Lucent Technologies Inc. Long Term Savings and Security Plan (the Plan ) can help you reach your financial
More informationSummary Plan Description for: The Dow Chemical Company Texas Operations Hourly Total and Permanent Disability Plan
Summary Plan Description for: The Dow Chemical Company Texas Operations Hourly Total and Permanent Disability Plan Amended and Restated Effective January 1, 2013 and thereafter until superseded This Summary
More informationINCOMING ABLE ROLLOVER FORM
INCOMING ABLE ROLLOVER FORM PLEASE READ THE IMPORTANT INFORMATION BELOW Complete this form to initiate a transfer of funds from another Qualified ABLE Plan (QAP) into an existing STABLE Account, report
More informationSummary Plan Description for the UCEPP Component of the Union Carbide Employees Pension Plan as amended and restated effective January 1, 2017
Summary Plan Description for the UCEPP Component of the Union Carbide Employees Pension Plan as amended and restated effective January 1, 2017 Applicable to Employees Hired Prior to January 1, 2008 A U.S.
More informationYour Spending Account
Your Spending Account Agenda Welcome to Your Spending Account How the HRA (YSA) differs from the HSA (Bancorp) Top 5 HRA questions Your Spending Account Overview Proprietary & Confidential September 2014
More informationLower-cost investing coming soon
Lower-cost investing coming soon A valuable benefit keeps getting better The University of North Carolina (UNC) System retirement programs are one of the great benefits you have as an employee, giving
More informationSummary Plan Description for: The Dow Chemical Company Retirement Health Care Assistance Plan (RHCAP)
Summary Plan Description for: The Dow Chemical Company Retirement Health Care Assistance Plan (RHCAP) Amended and Restated Effective January 1, 2014 and thereafter until superseded This Summary Plan Description
More informationChrysler Benefit Express Benefit Center & YSA An Integrated Partnership
Chrysler Benefit Express Benefit Center & YSA An Integrated Partnership Agenda Benefit Center Overview Your Spending Account Overview Your Benefits Resources Demo Preview of UPoint Proprietary & Confidential
More informationOnce you are logged on to YBR, you will see a Start Saving message. Click on this message and you will have two ways to enroll:
PARTICIPATION IN THE Nokia Savings/401(k) Plan with Management Plan Design Participation in the Nokia Savings/401(k) Plan (the Plan ) can help you reach your financial goals for retirement. Read this overview
More informationWhy you ve received this notice
Human Energy. Yours. TM The enclosed government-required notice applies to retirees and/or their eligible dependents that are currently eligible for Medicare and are currently participating in the Chevron
More informationHow to Get Your Phillips 66 Retirement Benefits For Active Employees Planning to Retire
> Start Your Retirement Process > Your Overall Retirement Process Timeline > Your Retirement Resources > Initiate Your Retirement Process > Receiving Your Pension Payments > Your Retirement Process Checklist
More informationHealth Care & Retirement
Benefits Flexibility Choices Competitive Coverage Protection Health Care Retirement Work/Life Benefits Flexibility Choices Competitive Coverage Protection Health Care Retirement Work/Life Benefits Flexibility
More informationWHAT S CHANGING. Open Enrollment Open Enrollment Is Nov. 28 Dec. 9, 2016 YOUR 2017 BENEFITS UPDATE. Enroll on-the-go!
YOUR 2017 BENEFITS UPDATE WHAT S CHANGING Open Enrollment 2017 Open Enrollment for your 2017 DTE Energy benefits starts Monday, Nov. 28 at 12:01 a.m. Eastern time and runs through Friday, Dec. 9 at 11:59
More informationResearch Foundation (RF) Retiree Health Insurance Plan. Post-65 Medicare-Eligible Retiree Transition Guide
Research Foundation (RF) Retiree Health Insurance Plan Post-65 Medicare-Eligible Retiree Transition Guide A NEW WAY TO SUPPLEMENT MEDICARE COVERAGE Eligibility for the Aon Retiree Health Exchange You will
More informationSummary Plan Description for: Delta Dental Premier Basic Plan, Delta Dental PPO sm High Plan, Participating in:
Summary Plan Description for: Delta Dental Premier Basic Plan, Delta Dental PPO sm High Plan, Participating in: The Dow Chemical Company Dental Assistance Program (ERISA Plan #503) Amended and Restated
More informationDon t wait for the Check retirement savings light to come on. Enroll today. BorgWarner Inc. Retirement Savings Plan (099103)
Don t wait for the Check retirement savings light to come on. Enroll today. BorgWarner Inc. Retirement Savings Plan (099103) ! Don t come up short When it comes to your retirement savings, you don t want
More informationYOUR RETIREMENT SAVINGS PLAN
Benefits to Smile About Invest in Your Future We are pleased to present you with information about Marriott s 401(k) program to help you save for your retirement. The Retirement Savings Plan1 a 401(k)
More informationEmployer Administration Guide. BenefitWallet Employer Administration Guide
Employer Administration Guide 1 Contents Welcome...3 HSA Fees and Rates...4 USA PATRIOT Act Screening...5 HSA Contribution Limits...6 Frequently Asked Questions...7 Contact Us...9 2 Welcome BenefitWallet
More informationPRESCRIPTION DRUG COVERAGE AND MEDICARE. December Dear Prudential Employee and/or Covered Dependent:
This is an important notice from Prudential about your prescription drug coverage and Medicare. If you are not eligible for Medicare benefits, this notice does not apply to you and you do not need to take
More informationPlan Highlights. Universal Health Services, Inc. Supplemental Deferred Compensation Plan. For Amounts Deferred on or After January 1, 2009 Only*
Universal Health Services, Inc. Supplemental Deferred Compensation Plan Plan Highlights For Amounts Deferred on or After January 1, 2009 Only* *For amounts deferred before January 1, 2009, the terms of
More informationInformation for Age 65+ NXP Medicare-Eligible Retirees and Medicare-Eligible Dependents
Information for Age 65+ NXP Medicare-Eligible Retirees and Medicare-Eligible Dependents Beginning January 1, 2016, NXP retirees who are at least 65 years old and eligible for Medicare (or their dependent
More informationLife and Accidental Death & Personal Loss Insurance Program. Wrap Document and Summary Plan Description
Life and Accidental Death & Personal Loss Insurance Program Wrap Document Effective as of Contents Introduction... 1 Who Is Eligible... 3 Glossary of Key Terms Eligibility... 3 Enrolling for Coverage...
More informationI m Retiring! What s Next?
How to Get Your ConocoPhillips Retirement Benefits Pension, Retiree Health and Life Insurance I m Retiring! What s Next? 1 2 3 4 Initiate your retirement process Elect your form of pension payment Sign
More informationWhat to expect with PayFlex
What to expect with PayFlex Detailed information about your health savings account (HSA) HSA members moving to PayFlex 69.03.615.1 (6/15) We d like to tell you what you can expect from us as you prepare
More informationAgency Distribution Financial Professionals
BENEFITS FLEXIBILITY CHOICES COMPETITIVE COVERAGE PROTECTION HEALTH CARE RETIREMENT WORK/LIFE BENEFITS FLEXIBILITY CHOICES COMPETITIVE COVERAGE PROTECTION HEALTH CARE RETIREMENT WORK/LIFE BENEFITS FLEXIBILITY
More informationTarget 401(k): Information About Your Investment Options, Fees, and Other Expenses
April 2017 NO ACTION IS REQUIRED Target 401(k): Information About Your Options, Fees, and Other Expenses As required by federal regulations, each year Target sends this notice with information about your
More informationWestinghouse Electric Company Savings Plan. Summary Plan Description (SPD)
Westinghouse Electric Company Savings Plan Summary Plan Description (SPD) Revised June 1, 2012 This booklet is a summary of the plan document that constitutes the Westinghouse Electric Company Savings
More informationDisability Program. Statutory Agents and Financial Services Associates
Disability Program Statutory Agents and Financial Services Associates Important Notice This Summary Plan Description (SPD) booklet, including any subsequent related Summaries of Material Modifications
More informationDOW U.S. BENEFITS FOR PRE-MEDICARE-ELIGIBLE RETIREES
2019 Annual Enrollment November 1 16, 2018 DOW U.S. BENEFITS FOR PRE-MEDICARE-ELIGIBLE RETIREES Live a Healthy and Vibrant Life Your Dow retiree benefits support you in living a healthy and vibrant life.
More informationThe Auto Club Group Retiree Health Program. Medicare-Eligible Retiree Guide
The Auto Club Group Retiree Health Program Medicare-Eligible Retiree Guide Replacing Your Auto Club Group Retiree Health Plan Did You Know? With the Aon Retiree Health Exchange, you could potentially pay
More informationBenefits News. Your Resource for Information on your Dow Benefit Solutions. Get to Know MAP Plus Option 2 High Deductible. Human Resources.
Benefits News Issue 2 Human Resources Your Resource for Information on your Dow Benefit Solutions Get to Know MAP Plus Option 2 In this issue of Benefits News, you will get a closer look at the MAP Plus
More informationUNT System ORP and TSA Retirement Program Changes Questions & Answers click to view
click to view The Retirement Redesign 1. Why is UNT System redesigning the retirement plans?...2 2. Who is impacted by the redesign?... 2 3. What was the decision making process?... 2 4. When will these
More informationRe: Cintas Supplemental Executive Retirement Plan (SERP) Plan Year 2014
November 4, 2013 Re: Cintas Supplemental Executive Retirement Plan (SERP) Plan Year 2014 Dear Partner: I am pleased to inform you that the 2014 annual enrollment for the Cintas Supplemental Executive Retirement
More informationYour Benefits Resources 101
Your Benefits Resources 101 How to Enroll Enrolling means choosing the right benefits for you and your family. With Your Benefits Resources, it s easy to find what fits. Use this to explore and enroll
More informationPrudential Employee Savings Plan (PESP)
Prudential Employee Savings Plan (PESP) This document constitutes part of a prospectus covering securities that have been registered under the Securities Act of 1933. Important Notice This Summary Plan
More informationUse this guide to learn more about Medicare and how it works with your Nokia medical and prescription drug coverage. IMPORTANT!
MEDICARE FACTS 2017 MEDICARE AND YOUR NOKIA COVERAGE Use this guide to learn more about Medicare and how it works with your Nokia medical and prescription drug coverage. FOR PARTICIPANTS IN THE FORMERLY
More informationAon Retiree Health Exchange What your Pre-Medicare retirees need to know
Aon Retiree Health Exchange What your Pre-Medicare retirees need to know Q. Why is OP&F changing our current health care coverage? A. Funding for the retiree health care plan at OP&F is limited, making
More informationPLAN NEWS. See inside for details.
United Launch Alliance 401(k) Savings Plan PLAN NEWS Changes to Your Investment Options United Launch Alliance (ULA) regularly reviews the funds in the 401(k) Savings Plan to make sure they offer a combination
More informationMyPenPay User Guide. Login Page
MyPenPay User Guide MyPenPay is an online payment information system that FCA is making available to their retirees. The system offers retirees easy access to information regarding their pension payments.
More informationReceiving Required Minimum Distributions. Making it simple with TIAA
Receiving Required Minimum Distributions Making it simple with TIAA Required Minimum Distributions what you need to know What are Required Minimum Distributions? 1 How can you receive minimum distributions
More informationFrequently Asked Questions about Short Term Disability
The purpose of this FAQ is to help you better understand your employer provided short term disability (STD) benefits and the claim process. The questions are presented in two sections: Questions about
More information2014 Legal Notices. Notice of Creditable Coverage and CHIP Notice. Smart Choices, Healthy Lives.
2014 Legal Notices Notice of Creditable Coverage and CHIP Notice Smart Choices, Healthy Lives www.prubenefitscenter.com Important Notice This Guide is intended to help you understand the main features
More informationDTE Energy retirees: Welcome to PayFlex
DTE Energy retirees: Welcome to PayFlex You are enrolled in a Retiree Reimbursement Account (RRA). Your new RRA comes with some great tools to help you manage your account. Through the PayFlex member website,
More informationCONNECTICUT MANDATORY INCOME TAX WITHHOLDING (APPLIES TO CONNECTICUT RESIDENTS ONLY) Pension Withholding Change for Connecticut Retirees
News VOLUME XIV, EDITION 1 JANUARY 2018 CONNECTICUT MANDATORY INCOME TAX WITHHOLDING (APPLIES TO CONNECTICUT RESIDENTS ONLY) Pension Withholding Change for Connecticut Retirees Many of you have inquired
More informationAMR Bar Date/Proof of Claim Process FREQUENTLY ASKED QUESTIONS
AMR Bar Date/Proof of Claim Process FREQUENTLY ASKED QUESTIONS By May 18, 2012, AMR Corporation and its various subsidiaries that filed Chapter 11 petitions, including American Airlines and American Eagle
More informationA NEW DIRECTION FOR YOUR FUTURE
A NEW DIRECTION FOR YOUR FUTURE Transition Guide MEDTRONIC SAVINGS AND INVESTMENT PLAN Medtronic is committed to helping you build financial security and appreciates your contributions to the company s
More informationFINRA SAVINGS PLUS 401(K) PLAN SUMMARY PLAN DESCRIPTION 2017
FINRA SAVINGS PLUS 401(K) PLAN SUMMARY PLAN DESCRIPTION 2017 TABLE OF CONTENTS INTRODUCTION: THE FINRA SAVINGS PLUS PLAN... 1 This Booklet is Only a Summary... 1 Administrative Information... 1 Not a Contract
More informationJPMorgan Chase 401(k) Savings Plan Recent Communications
JPMorgan Chase 401(k) Savings Plan Recent Communications February 2018 Match Confirmations Special Award Questions & Answers Document (U.S.) Annual Incentive Compensation Election Q&A February 2018 Dear
More informationLife is a Journey. The University System of Maryland Retirement Plans
Life is a Journey R E T I R E M E N T A D E S T I N AT I O N The University System of Maryland Retirement Plans Fidelity Can Help Your Every Step of the Way. Online Log on to netbenefits.com/usm the home
More informationMy Retirement. A Guide to Planning for Your Future
My Retirement. A Guide to Planning for Your Future You Are Retiring Soon TIP: START THE PROCESS THREE MONTHS OUT If possible, start the retirement process about three months before you retire. This will
More informationHi, I m Gary Gamma from Vanguard, and if you re like me, you dream of retiring one day.
Hi, I m Gary Gamma from Vanguard, and if you re like me, you dream of retiring one day. Most of us do. We look forward to a time when we can say goodbye to the daily grind and enjoy a more relaxed schedule,
More informationSPECIAL RETIREMENT BENEFITS ANNOUNCEMENT FOR SALARIED EMPLOYEES WHO PARTICIPATE IN THE RETIREMENT PLAN OF INTERNATIONAL PAPER COMPANY
PAUL J. KARRE Senior Vice President Human Resources and Communications 6400 Poplar Avenue Memphis, TN 38197 February 27, 2014 SPECIAL RETIREMENT BENEFITS ANNOUNCEMENT FOR SALARIED EMPLOYEES WHO PARTICIPATE
More informationCalPERS SCP POFF Rollover. Your choice, simplified. Welcome Kit
CalPERS SCP POFF Rollover Your choice, simplified. Welcome Kit Table of Contents Understanding Your CalPERS SCP POFF Rollover 2 Getting Started What s your investment strategy? Introducing your fund options
More informationWestinghouse Electric Company Savings Plan. Summary Plan Description (SPD)
Westinghouse Electric Company Savings Plan Summary Plan Description (SPD) Revised January 1, 2010 This booklet is a summary of the plan document that constitutes the Westinghouse Electric Company Savings
More informationGSEPS PLAN HIGHLIGHTS
GSEPS PLAN HIGHLIGHTS The Georgia State Employees Pension and Savings Plan (GSEPS) is a retirement benefit plan that offers you both the security of a traditional pension plan and the opportunity to invest
More informationLEGAL NOTICE. Medicare Part D Notice of Creditable Coverage SMART CHOICES HEALTHY LIVES.
2016 LEGAL NOTICE Medicare Part D Notice of Creditable Coverage SMART CHOICES HEALTHY LIVES www.prubenefitscenter.com Medicare Part D Notice of Creditable Coverage This is an important notice from Prudential
More informationFinancial Support for Your Retiree Health Care. Planning for Your Future
Financial Support for Your Retiree Health Care Planning for Your Future Updated September 2012 Important Notice This Brochure is intended to help you understand Prudential s financial support toward the
More informationFOR INFORMATION, CONTACT THE PLAN SPONSOR AND ADMINISTRATOR: NATIONAL CITY BANK REINVESTMENT SERVICES P.O. BOX CLEVELAND, OHIO
FOR INFORMATION, CONTACT THE PLAN SPONSOR AND ADMINISTRATOR: NATIONAL CITY BANK REINVESTMENT SERVICES P.O. BOX 94946 CLEVELAND, OHIO 44101-4946 FOR OVERNIGHT COURIER DELIVERY: NATIONAL CITY BANK REINVESTMENT
More informationLife, Accident and Critical Illness Insurance Programs
Life, Accident and Critical Illness Insurance Programs Important Notice This Summary Plan Description (SPD) booklet, including any subsequent related Summaries of Material Modifications (SMMs), is intended
More informationHealth Coverage Tax Credit (HCTC) FAQs
Health Coverage Tax Credit (HCTC) FAQs What is the tax credit? How much is the credit? Am I eligible for the tax credit? How and when does the HCTC get notified that I m an eligible PBGC pension recipient?
More informationDefinitions. Access to Services. Banking Transactions with Internet Banking
This Internet Banking Agreement and Disclosure ( Agreement ) describes your rights and obligations as a user of the Internet Banking service or the Bill Payment service ( Services ). It also describes
More informationyour retirement savings
your retirement savings Why Investment Balance Matters 3 How Much Help Do You Want? 8 Ways You Can Get Help With Investment Balance 10 Click here for printer-friendly version At Kaiser Permanente, financial
More informationAon Retiree Health Exchange What your retirees need to know
Aon Retiree Health Exchange What your retirees need to know Q. Why is OP&F changing our current health care coverage? A. Funding for the retiree health care plan at OP&F is limited, making the group health
More informationAttached is a letter sent to Eligible Retail Shareholders in respect of the Retail Entitlement Offer.
BlueScope Steel Limited ABN 16 000 011 058 Level 11 120 Collins Street Melbourne VIC 3000 Australia PO Box 18207 Collins Street East Melbourne VIC 8003 Telephone +61 3 9666 4000 Facsimile +61 3 9666 4118
More informationHow to Get Your Phillips 66 Pension Benefits For Former Employees
How to Get Your Phillips 66 Pension Benefits For Former Employees 1 2 3 Initiate your retirement process Elect your form of pension payment Sign and return your pension paperwork Start Here Get started
More informationFor Participants in the Management Retiree Plan Design
INFORMATION AND ACTION GUIDE 2012 Benefits Enrollment This package contains everything you need to make your enrollment decisions, including: This guide; Your personalized enrollment worksheet; and Benefits
More informationYour Retirement Guide: A Step-by-Step Checklist
Your Retirement Guide: A Step-by-Step Checklist Save Well, Live Well You Are Retiring Soon Congratulations! Retirement is a big step. You will be asked to make many important decisions about your Cummins
More informationCREDIT PROTECTION PROGRAM ( PROGRAM ) DISCLOSURES:
CREDIT PROTECTION PROGRAM ( PROGRAM ) DISCLOSURES: This Product Is Optional: Your purchase of the Credit Protection Program ( Program ) is optional. Whether or not you purchase the Program will not affect
More informationUAW Retiree Medical Benefits Trust Annual Notice of Changes for 2017
Medicare Plus Blue SM Group PPO offered by Blue Cross Blue Shield of Michigan UAW Retiree Medical Benefits Trust Annual Notice of Changes for 2017 You are currently enrolled as a member of Medicare Plus
More informationSubject: IMPORTANT TAX INFO FOR INTERNATIONAL STUDENTS FOR TAX YEAR 2018
Subject: IMPORTANT TAX INFO FOR INTERNATIONAL STUDENTS FOR TAX YEAR 2018 WHAT: Mandatory International Student Tax Requirements WHO: All international students and dependents WHEN: Tax Forms for Year 2018
More information2018 Consolidated 1099 Tax Statement
2018 Consolidated 1099 Tax Statement Furnished by Edward Jones for Taxable Brokerage Accounts Use this document to help understand your Consolidated 1099 Tax Statement from Edward Jones. The Consolidated
More informationAccessing Your 401(k) Plan. Stay connected to your retirement plan account.
Accessing Your 401(k) Plan Stay connected to your retirement plan account. Your retirement plan is one of the most valuable employee benefits your company offers because it can help you build a successful
More informationPhillips ANNUAL BENEFITS ENROLLMENT FOR PRE-65 RETIREES. The First Step in Your Wellness Journey
Phillips 66 2014 ANNUAL BENEFITS ENROLLMENT FOR PRE-65 RETIREES The First Step in Your Wellness Journey 2014 ANNUAL BENEFITS ENROLLMENT FOR PRE-65 RETIREES Nov. 1 Nov. 22, 2013 your HEALTH. Your wellness
More informationTRU Partnership Employees Savings and Profit Sharing Plan (Puerto Rico)
TRU Partnership Employees Savings and Profit Sharing Plan (Puerto Rico) This document is a Summary Plan Description (SPD), as defined by the Employee Retirement Income Security Act of 1974 (ERISA), of
More informationYour choice, simplified.
CalPERS Supplemental Income Plans Your choice, simplified. Learn about the new investment lineup and Plan redesign coming October 2013 Important Information Regarding Changes to your Placer County 401(k)
More informationWithdrawal Request Form BlackRock CollegeAdvantage 529 Plan
Withdrawal Request Form BlackRock CollegeAdvantage 529 Plan Use this form to request a Withdrawal from your BlackRock CollegeAdvantage account This Withdrawal may have tax consequences depending on how
More informationBen E. Keith Company Retirement Plans. Welcome to Empower Retirement!
Ben E. Keith Company Retirement Plans Welcome to Empower Retirement! Agenda Who is Empower Retirement? Your new 401(k) plan at Empower Investment options Transfer of your Ben E. Keith Profit Sharing Plan
More informationThis document is being provided exclusively by AGL Resources, which retains responsibility for the content.
This document is being provided exclusively by AGL Resources, which retains responsibility for the content. AT ANY TIME Visit the Merrill Lynch Benefits OnLine website to access your retirement benefit
More informationRetirement Online EMPLOYER GET READY GUIDE NYSLRS NYSLRS. New York State and Local Retirement System. Thomas P. DiNapoli, State Comptroller
Retirement Online EMPLOYER GET READY GUIDE NYSLRS NYSLRS New York State and Local Retirement System Thomas P. DiNapoli, State Comptroller Table of Contents SECTION 1: Introduction... 1 SECTION 2: Who Should
More informationSilverScript Employer PDP sponsored by Southern California Edison Frequently Asked Questions
SilverScript Employer PDP sponsored by Southern California Edison Frequently Asked Questions Q: What is SilverScript Employer PDP sponsored by Southern California Edison? A: SilverScript Employer PDP sponsored
More informationThe Bank of Fincastle's and i-bankwithbillpay Personal Internet Banking Disclosure Statement
The Bank of Fincastle's i-bank@home and i-bankwithbillpay Personal Internet Banking Disclosure Statement This Agreement and Disclosure Statement (this "Agreement") sets forth the terms and conditions of
More informationKey Features of the HSBC Child Trust Fund ( HSBC CTF )
Key Features of the HSBC Child Trust Fund ( HSBC CTF ) This is an important document. You need to read this before you invest in the HSBC CTF. April 2016 Key Features of the HSBC CTF The purpose of this
More informationCollegeChoice CD 529 Savings Plan Enrollment Form. 1. Account Owner. 2. Successor Account Owner/Custodian (optional but recommended)
Page 1 of 6 Account Number: (to be assigned by the CollegeChoice CD 529 Savings Plan) CollegeChoice CD 529 Savings Plan Enrollment Form Congratulations! You are well on your way to saving for college with
More information* * Billing Notice. Total Amount Due $ Statement Date: July 10, OneUSG Connect - Benefits connect-benefits.usg.
Statement Date: July 10, 2017 V000001 TEST L. DBP BILL 01 DO NOT MAIL JACKSON GA 30233 OneUSG Connect - Benefits connect-benefits.usg.edu OneUSG Connect - Benefits Call Center 1-844-5USGBEN (587-4236)
More informationManaging Your Regions Personal Checking Account
Managing Your Regions Personal Checking Account At Regions, we believe in making banking with us as simple as possible. So we ve developed this guide with information and tips to help you get the most
More informationTHE UNIVERSITY OF TEXAS AT TYLER VOLUNTARY SEPARATION INCENTIVE PROGRAM
Frequently Asked Questions THE UNIVERSITY OF TEXAS AT TYLER VOLUNTARY SEPARATION INCENTIVE PROGRAM What is the purpose of the Voluntary Separation Incentive Program (VSIP)? To better control institutional
More informationTri-County Trust Company Online Banking Disclosure and Agreement 05/13/2016
Tri-County Trust Company Online Banking Disclosure and Agreement 05/13/2016 This Online Banking Agreement and Disclosure ( Agreement ) describes your rights and obligations as a user of the Online Banking
More informationPlease read annual enrollment. Important changes are coming to the BP Retiree Medical Plan. October 24 November 4
Please read Important changes are coming to the BP Retiree Medical Plan. 2017 annual enrollment October 24 November 4 What s inside? 2 3 5 7 9 10 11 13 What s changing Compare your new coverage How it
More informationQUESTIONS AND ANSWERS
QUESTIONS AND ANSWERS Understanding Medicare Part D Q1: What is Medicare Part D? A1: Beginning January 1, 2006, Medicare Part D was introduced as an entirely voluntary prescription drug benefit offered
More informationtake a few minutes to review the pages that follow to see how to get started.
Picture Your Future Join the SABIC U.S. Employee Retirement Savings Plan today! You've received this booklet because you're eligible to join the SABIC U.S. Employee Retirement Savings Plan (the "Plan").
More informationTHE HOOPP HANDBOOK. A guide for HOOPP members and those eligible to join HOOPP
THE HOOPP HANDBOOK A guide for HOOPP members and those eligible to join HOOPP CONTENTS WELCOME TO YOUR PENSION PLAN 2 About HOOPP 3 Advantages of being a HOOPP member SECTION ONE GETTING TO KNOW THE HOOPP
More informationHealth Reimbursement Arrangement (HRA) Plan Medicare Eligible
3M Retiree Health Reimbursement Arrangement (HRA) Plan Medicare Eligible (Effective January 1, 2015) Summary Plan Description Table of Contents Introduction... 4 Customer Service... 5 Eligibility... 7
More informationStart Here. Quick Start Guide for the Alcatel-Lucent 2010 Annual Open Enrollment Period B E N E F I T S ENROLLMENT
12 0 1 0 B E N E F I T S ENROLLMENT Start Here Quick Start Guide for the Alcatel-Lucent 2010 Annual Open Enrollment Period 1 Benefits 2010 For Participants in the Management Retiree Plan Design welcome
More informationRetirement Savings Plan
Retirement Savings Plan Dear BorgWarner Employee: Welcome to your Retirement Savings Plan a great way to take the wheel and drive toward a more comfortable financial future. As a participant, you can take
More information