Get ready to enroll
Your Dow U.S. benefits are about you. You'll have access to a comprehensive benefits program while you are in the U.S. Be sure to learn more about the benefits available to you and make the most of them while you're on assignment.
Want to know how to navigate? Take a look.
Make the right choices for you
This guide provides information about the benefits available to you while you are on assignment in the U.S. Your eligibility for Dow U.S. benefits is based on your Expat agreement.
Keep reading for a general overview of the benefits available to you while in the U.S. and how to use them. You can also find detailed information about your benefit plans in the Summary Plan Description (SPDs). SPDs are important documents that summarize your benefits, describe how they work and provide you with their terms and conditions.
Enrolling for benefits
If you are a new Expat, you'll receive an email invitation from dowbenefits@ehr.com once your information has been recorded in the Dow U.S. benefits system. The email will provide a link to the Dow U.S. Benefits Site, where you will elect your benefits. You must take action to enroll in order to have U.S. benefits coverage for you and your eligible dependents.
Enroll within 31 days
You may enroll once you receive the email invitation from dowbenefits@ehr.com. Enroll within 31 days of your assignment start date to ensure you have continuous benefits coverage. If you enroll within 31 days of your assignment start date, your benefits coverage is effective on the day you begin your assignment. If you miss this 31-day deadline, you may still elect your benefits within 90 days of your assignment start date; however, your benefits coverage will not take effect until the date you complete your enrollment, which means you may be without benefits coverage for a period of time. To avoid any gaps in benefits coverage, be sure to enroll as soon as you receive the email invitation.
Your ID card will be sent to the address on file with Dow after you complete your enrollment. You can temporarily use your host location office address or the Expat Mailing Service until you have a mailing address. Note: Physical ID cards are not mailed. Instead, you can access your ID card through the Cigna Envoy customer portal or mobile app.
Key terms to know
Get ready to enroll by reviewing common terms for U.S. benefits. Then, if you're a new Expat, be sure to watch for the email invitation from dowbenefits@ehr.com alerting you it's time to enroll!
Designate your beneficiaries
A beneficiary is the person(s) who will receive your benefit if you die. As you enroll in Dow U.S. benefit plans and programs, be sure to designate your beneficiaries for Business Travel Accident/Occupational Accident insurance and review them periodically to ensure they remain up-to-date. Read more.
Annual enrollment
As you continue your assignment, you'll have the option each November to participate in annual enrollment. Annual enrollment is a once-a-year chance to review benefits coverage and make any changes for the upcoming year. Every year, Dow will announce the annual enrollment dates, a set time in which to make the changes, such as removing or adding eligible dependents to your benefits coverage. If you do not take action during the annual enrollment dates, the benefits you elect now will remain in effect until you leave the U.S.
Transitioning to your new medical plan
The Cigna International medical coverage includes the Guided Health Advisor program to help you have an easier transition while on assignment. The Global Health Solutions Health and Wellness team can assist you and your family in:
- Understanding the Cigna International Medical Plan and answering any questions
- Planning for medical needs and accessing care while on assignment so you can avoid medical emergencies
- Finding local doctors and liaising between doctors in your home country and where you’re on assignment to facilitate medical records
- Managing any chronic conditions and addressing health concerns or special needs
Please note that if you are identified as having a medical condition, a Cigna Healthcare nurse may reach out to you to offer help on how best to be prepared before or during your international assignment and answer any medical questions you may have.
Get started
- Visit public.cignaenvoy.com, scroll down and click on “Guided Health Advisor” to log in using the global ID number and password:
- Global ID: 02002DOWC
- Password: s7Ux0P
- After you read the messages in the Message Center, click "continue," then "Guided Health Advisor."
- When prompted, enter your own login and password.
- Check the "yes" consent box at the end of the questionnaire so that you may receive outreach from a Cigna Healthcare nurse if needed.
You will find information related to local health care, required and recommended immunizations, crime rate, weather, currency, finding providers who bill Cigna Healthcare directly and accept guarantees of payment and more. Learn more.
Dow U.S. Benefits Site: Designed with you in mind
The Dow U.S. Benefits Site is designed with you in mind, providing tools and resources to help you enroll and get the most out of Dow's Total Rewards benefit offerings throughout the year.
Getting answers to your questions is quick and easy:
- Search key words from the home screen.
- Use the "Chat" button to get help from the interactive Virtual Guide.
- Get personal assistance by sending a secure message through the "Inbox."
If you're a new Expat, you'll have access to the site once you receive the email invitation from dowbenefits@ehr.com. Be sure to take the time to explore all the site has to offer.
If you need more immediate assistance
Call (833) 693-6947 (MYDOWHR) and select option 1, then option 2.
When to call: You need immediate assistance with a personal question about your benefit eligibility or coverage, help verifying/updating information, or assistance with registration or access to the Dow U.S. Benefits Site.
Earn rewards for wellbeing
Dow's Wellbeing Portal provides easy access to best-in-class resources supporting employees' mental, physical, financial and social wellbeing. We encourage you to care for your wellbeing and reward you for taking personally meaningful actions.
As a Dow employee, you can earn credits annually, which you can redeem through the global store within the Dow Wellbeing Portal. Note: Dow uses a global equity model to manage a fair and equitable wellbeing incentive program globally.
Earn rewards for wellbeing with the Dow Family Health Center: All employees using the Dow Family Health Center for the first time will receive a wellbeing voucher code for 250 points upon their first appointment checkout.