Retirement Benefits

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:

  • Company matching contributions ― 5% of eligible pay* when you contribute at least 6%.
  • Automatic non-elective company contribution ― Equal to 4% of eligible pay* whether or not you are contributing.

Learn more by reviewing the Employees' Savings Plan article.

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)

Dow stopped pension benefit accruals as of December 31, 2023. You may have already received your benefits or you plan to in the future. You should factor in any pension benefits you're eligible for into your retirement planning.

For other general details about pension benefits, including the Summary Plan Descriptions (SPDs), review the Pension Plan article or call (833) 693-6947 (MYDOWHR).

Note: If you are an employee represented by a labor organization, special rules related to your retirement benefits may apply. Dow will work in accordance with the terms of the applicable collective bargaining agreement and discuss terms that may be subject to bargaining obligations required by law.

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

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.

Other considerations

  • Review your Pension Statement now (if applicable). Access your personalized statement showing your final accrued Pension benefit as of December 31, 2023. It’s available on the Dow U.S. Benefits Site (use single sign-on if on the Dow network or log in directly and then click on your Message Center “Inbox”).
  • Put your student loan payments to work for you. With the Dow Student Debt Retirement Savings Match, Dow treats your monthly student loan payment like a retirement contribution ― and provides a matching contribution. Learn more.

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).