Health & Welfare Benefits

You have 30 days from your date of hire to enroll in benefits and you must enroll to have benefits (or actively waive benefits if you choose not to enroll). If you do not take action, you will be automatically enrolled in baseline benefits.

You will receive a New Hire letter with important information about your DSM benefits coverage, how to enroll and the timing of when you will receive additional materials including ID cards.

In addition to the New Hire letter, look for an enrollment kit from Fidelity Investments providing you information on our DSM 401(k) retirement benefits.

Eligibility for Coverage

DSM’s U.S. nonbargained employees and Engineering Plastics Bargaining Unit employees regularly working 20 or more hours per week and their eligible dependents may participate in DSM health and welfare benefits immediately upon hire, with the exception of short-term disability (STD).

STD is available three months from the date of hire.

Additionally, DSM Engineering Plastics Bargaining Unit employees are not eligible for basic accidental death and dismemberment (AD&D), short-term disability (STD) and long-term disability (LTD) coverage.

Eligible Dependents

Benefit PlanCovered Dependents
Medical (includes prescription drugs), Dental and Vision
  • Spouse (may be subject to spousal surcharge)
  • Same- and opposite-sex domestic partners
  • Your children and children of your domestic partner up to age 26
  • Disabled dependents over age 26 if unmarried, financially dependent on you, covered prior to age 26, and not eligible for coverage through their own employer
Spouse Life, Child Life and Optional AD&D
  • Spouse
  • Same- and opposite-sex domestic partners
  • Your children and children of your domestic partner up to age 19
  • Disabled dependents age 19 and older

Learn about the following benefit options available to you by reviewing the benefits information on this website. Then use the directions provided below to enroll.

How to enroll

After reviewing your benefit options, enroll in your benefits within 30 days of your date of hire. As a new user, you will need to register for a username and password to access the enrollment site. Step by step registration instructions can be found here. Registration code: mydsm-benefits.

You have 3 ways to enroll:

  • Web - DSM Benefits site- Enroll online at your convenience, any time of day or night.
  • Phone - 1-866-353-9740, Monday through Friday 9:00 a.m. to 7:00 p.m. ET & Saturday from 8:00 a.m. to 5:00 p.m. ET.
  • App - Download the benefits app “ADP Mobile Solutions.” Not all web functionality is included in the App.

You can also email questions to Please allow 24-48 hours for a response, not including weekends. Note: Due to the privacy requirements of submitting questions relating to benefits, the email response will be sent via a secure email which requires you to create a username and password to open the email.

  • Be sure to provide the necessary dependent information to enroll eligible family members. If newly enrolling dependents for health care coverage, you will be required to provide your spouse’s Social Security number during the enrollment process. You will also be required to submit proof of your dependents’ eligibility after you enroll. The benefits enrollment site will prompt you to complete the dependent verification process online for each dependent and will include a list of the specific documentation required based on each dependent. For example, if you enroll a child, you will need to submit a birth or adoption certificate. If you enroll a spouse, you will need to submit a marriage certificate. (Domestic Partners require recent documentation showing a common address and intermingling of finances such as a utility bill and a bank statement which includes both individual’s names). Failure to respond will result in a retroactive termination of coverage without reimbursement of premiums paid.
  • Make sure you’ve provided beneficiary information for your life insurance and your DSM 401(k) Plan.
  • If enrolling online or via the app, don’t forget to fully submit your elections. Your elections are not completed if you click ‘Finish Later’ or do not agree to the to the terms of enrollment. A green message and confirmation number will appear indicating you have finalized your enrollment. Save a copy of your confirmation statement as a record of your enrollment, to compare against the deductions in your pay check.
ActionWere you hired during the last quarter of the year?

If you are hired during (or after) Annual Enrollment, you need to enroll for your new hire event for elections through December 31, and then immediately complete Annual Enrollment elections for the next plan year. When enrolling online, the Annual Enrollment window will open immediately following completion of your New Hire enrollment. It is important that you complete both enrollments even if your elections are the same, since you are required to confirm your Tobacco status and your enrolled spouse’s coverage status (if applicable). If both are not completed and you do not answer these questions, you will automatically be subject to the surcharges associated with each. (See Tobacco Surcharge and Spousal Surcharge sections below).

ActionTobacco Surcharge

If you and your spouse/DP enroll in a DSM medical plan, you will be required to attest to whether you have used tobacco products in the past 6 months. If you are a tobacco user, or do not attest to being tobacco-free during enrollment, you and your covered spouse/DP will each pay a $300 surcharge (added to your medical premiums annually).

ActionSpousal Surcharge

The spousal surcharge is an additional premium that will apply if your spouse/DP has access to medical coverage through his/her employer and enrolls in a DSM medical plan. If you cover your spouse/DP under a DSM medical plan, you must certify that your spouse/DP does not have other employer coverage available. If you do not certify, or if your spouse/DP has access to their own employer’s medical plan you will pay a $1,200 surcharge per year or $100 per paycheck.

ActionRules for DSM Married Couples
  • Spousal surcharge does not apply.
  • Employee and spouse cannot cover each other for Life Insurance or AD&D but can participate in the same Medical Plan as Employee plus Spouse or Family coverage.
ActionEvidence of Insurability (EOI)

At the time of hire, you have the opportunity to elect certain benefits such as Optional Life, Long Term Disability Buy Up, and Spousal Life Insurance without providing proof of good health. If you elect coverage now, you and your dependents can enroll for coverage up to a specified amount (“guaranteed issue”) without providing Evidence of Insurability (EOI). The enrollment system will confirm how much coverage you can elect before EOI applies.

If you wish to enroll for coverage greater than the guaranteed issue amount, you must provide EOI. If EOI is required, you must submit Evidence of Insurability and submit it to Prudential. This can be completed via the enrollment site immediately following enrollment, or you can download the EOI documents from the Resources page.

New Hires enrolling in DSM benefits are covered as of their date of hire. The process for your enrollment information to pass to the health care providers can take up to 2 weeks from the date you finalize your benefits enrollment. Please keep this in mind when contacting the providers and if any medical appointments are needed during this period. Your ID card may take another week to arrive by mail, once your eligibility is received. If you need to make an appointment, print a copy of your ID card (if it is available) and note that you may need to pay for your appointment out of pocket until your eligibility information is active with the provider. The claim can be reprocessed for reimbursement upon request afterwards.

401(k) Retirement Benefits

You can easily invest for retirement through contributions to the DSM USA Defined Contribution Plan.


You are immediately eligible to enroll on your date of hire. You don’t have to wait to enroll, you can log in now and select your contribution rate and investments.

How to enroll

You will receive an enrollment kit from Fidelity Investments providing you information on our DSM 401(k) retirement benefits. If you do not take any enrollment action either by enrolling or opting out, within 45 days of becoming eligible, you will be automatically enrolled with a 4% contribution* which will be invested in the Target Retirement Fund that most closely matches your retirement date, based on an assumed retirement age of 65. You may change your contribution rate and investment elections at any time.

You can review your contributions and investments by visiting the Fidelity website or contact Fidelity at 1-800-835-5095.

*Eligible DSM employees may participate in the DSM USA Defined Contribution Plan. Some Engineering Plastics Bargaining Unit employees are eligible for the DSM Engineering Plastics, Inc. Bargaining Unit Employees’ Incentive Savings Plan which are governed by the rules of that plan and may differ from the DSM USA Defined Contribution Plan. Please check your Summary Plan Description (SPD) which can be found when you log on to your account at Fidelity or contact them directly if you have any questions.