I would suggest providing a block for the sumc element so that it always waits for the message to disappear. This is beneficial in that any interaction with the text field will always wait - ie if you are setting, getting, etc.
text_field(:sumc){
pw_element.when_not_visible
text_field_element(:id => /sumCalc/)
}
You can then use populate_page_with as you would normally.
Note: This assumes that you are using Ruby 1.9+ where the insertion order into hash is maintained - ie page_populate_with
will input the :sum_ctgy, :sd and :foregin then :sumc (and assuming that is the order you specify them in).