The Dow Chemical Company is a multinational chemical corporation headquartered in Midland, Michigan. Dow manufactures plastics, chemicals, and agricultural products. With a presence in about 160 countries, it employs about 54,000 people worldwide. Dow Chemical also has a large complex on the northwest side of Indianapolis.
Liberty Mutual provides disability insurance to employees of Dow. Liberty Mutual Insurance is an American diversified global insurer, and the second-largest property and casualty insurer in the world. Based in Boston, Massachusetts, it employs over 50,000 people in more than 900 locations throughout the world.
In the disability policy provided to Dow employees, Liberty Mutual defines disability as follows: