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Retirement Benefits
Consider your retirement planning and progress toward meeting your goals.
Review your Dow Savings Plan, often referred to as the 401(k) ― When you contribute to the Dow 401(k), Dow helps you save for retirement through company contributions:
- Dow provides company matching contributions of 5% of eligible pay* when you contribute at least 6%.
- Beginning January 1, 2024, Dow will provide an additional automatic non-elective company contribution equal to 4% of eligible pay* whether or not you are contributing.
With the Dow 401(k), you have a variety of investment options, giving you the flexibility to choose a diversified investment mix that’s right for you – based on your goals and tolerance for risk. Contact Dow HR Solutions at Fidelity at (877) 440-4015 or log in to your account at www.netbenefits.com/dow for additional information. Consider your Dow pension benefits (if applicable) ― Pension benefits you may have earned are funded entirely by Dow with no need for you to contribute. The specific pension benefits you are eligible to receive are based on when you joined Dow, and if you were part of a heritage organization. Keep in mind that Dow will end future pension benefit accruals after December 31, 2023. Any accrued benefits you have as of that date will remain available and you will continue to earn service toward vesting and early retirement eligibility, if applicable.
Access your Pension Modeler to see the estimated potential value of your retirement benefits, if applicable. You can find step-by-step instructions in the Pension Plan KB Article. If you need assistance, call (833) 693-6947 (MYDOWHR).
Employee Stock Purchase Plan (ESPP)
Dow also offers the ESPP as part of your Total Rewards to provide an opportunity to share in the company's success and support you in achieving your long-term financial goals. When you participate, you become a Dow shareholder by purchasing shares of company stock at a discount through payroll deductions. You will receive more information as part of the ESPP enrollment period.
* Eligible pay includes base pay, actual Performance Award (PA) and overtime.
Make your choice
Other considerations
Choose the amount you want to contribute to the Dow 401(k). With pre-tax, Roth and after-tax options, you have flexibility. Learn more.
Are you a new hire?
You are eligible to begin contributing to the Dow 401(k) as soon as you are hired. You will receive an email from Fidelity with instructions for enrolling in the plan.
If you eligible for Dow pension benefits, you can estimate how much income you'll have in retirement through the Dow U.S. Benefits Site.
Maximize your financial wellbeing
Use resources available through Fidelity to effectively navigate your finances and plan for your future (go to www.netbenefits.com/dow). You can also use the modeler through the Dow U.S. Benefits Site to estimate how much pension income you'll have in retirement.
Other considerations
Are you eligible for Dow pension benefits? If so, you can estimate how much income you'll have in retirement through the Dow U.S. Benefits Site.
Maximize your financial wellbeing
Use resources available through Fidelity to effectively navigate your finances and plan for your future (go to www.netbenefits.com/dow). You can also use the modeler through the Dow U.S. Benefits Site to estimate how much pension income you'll have in retirement.