Welcome to Dow!

We’re thrilled you’re a part of our team.

Dow invests in you, supporting you in being your best at work and at home. This includes a comprehensive benefits program you receive as part of your Dow Total Rewards that helps you:

Steps to take.

We know benefits are important to you. To ensure you and your family have the coverage you need, take the steps below during the first 90 days of your employment with Dow:

At Dow, we recognize and embrace what makes us each unique as individuals. It’s part of how we succeed as a business, and also applies to your benefits. They provide a solid foundation of resources and security automatically, while offering you choices so you can tailor them to fit your needs.

If you have questions about your benefits or the enrollment process and want to talk to someone, call (833) 693-6947 (MYDOWHR).

Step 1: Learn about your Dow benefits program.

Before making your elections, consider the coverage you’ll need, special savings opportunities available to you, your premiums and more. Review the Benefits Guide to learn more about your options.

Dow Benefits Guide

After you enroll in your Dow benefits, take advantage of convenient, affordable, high quality health care through the Dow Family Health Centers. Learn more.

If you want more information after reviewing your Benefits Guide, the Dow Benefits & Wellbeing Site provides additional details, such as Summary Plan Descriptions.

Dow Benefits & Wellbeing Site

Dow offers tools and resources to help you manage your health and wellbeing. Learn more.

Step 2: Enroll for benefits within 31 days of your hire date.

Watch for an email invitation from dowbenefits@ehr.com. It will arrive approximately two weeks after your information provided as part of the onboarding process is recorded in the system. Once you receive the email, you can access the Dow U.S. Benefits Site to:

Elect your benefits,
Choose who you will cover,
Complete the spouse/domestic partner verification (learn more), and
Designate your beneficiaries (learn more)

As you enroll, keep in mind a few key considerations related to the Health Savings Account (HSA), Health Care Flexible Spending Account (HCFSA), life insurance and additional Long Term Disability coverage.

Once you finish making your elections, you’ll see an enrollment confirmation screen. This is verification that your elections were saved and applied; you can print it for your records. You will also receive a confirmation notice via email (typically within one hour of finishing your enrollment).

You have 90 days to enroll in or update your Dow benefits. While we encourage you to enroll in benefits within 31 days of your hire date, you may enroll or make updates within the first 90 days of your employment. Learn more.

Need to enroll for both the remainder of 2024 and 2025? Start by reviewing 2024 information (including what's new and cost and coverage summaries). For 2025 information, access the latest Benefits Guide.

Watch for your ID cards to arrive after you enroll.

About ID cards

Step 3: Enroll in the Dow Employees’ Savings Plan within 60 days of your hire date.

Following your hire date, Fidelity will send you information via email on the Dow Employees’ Savings Plan ― which is the Dow 401(k) ― including investment options and how to enroll. Review this information and follow the enrollment instructions. You must enroll through Fidelity and not the Dow U.S. Benefits Site.

If you don’t make an election within 60 days, automatic enrollment applies:

Your contributions will start at 6% of your salary (on a pre-tax basis)
Your contributions will increase by 1% each year (in April) until they reach 15%

You can opt out of automatic enrollment, make changes to contributions and choose investment options at any time through Fidelity:

Step 4: Submit all required documentation within 90 days of your hire date.

After you enroll, you must provide a copy of the following documents to the Dow Benefits Service Center. Be sure to include your Dow ID number on the top right-hand corner of each page:

Birth certificate(s) for you and any covered dependents
Marriage certificate (if married and covering your spouse)

All forms and documents must be received within 90 days of your hire date for your benefits coverage to be effective. If you fail to provide this documentation, your Dow benefits coverage will be terminated and you and your dependents will default to only company-paid benefits. Learn more.

The elections you make now will be in effect for the entire year, unless you experience a qualifying life event (e.g., having a baby, getting married or divorced). If you do not enroll during your first 90 days of employment, you will not be eligible to participate until the next annual enrollment period in the fall.

Step 5: Check out the resources available through the Dow Wellbeing Portal.

Dow's Wellbeing Portal provides easy access to best-in-class resources to support your mental, physical, financial and social wellbeing. Enroll in the Portal and explore the resources available to help you care for your wellbeing ― and get rewarded for it.

We encourage Dow employees to care for their wellbeing and reward employees for taking personally meaningful actions. Employees are eligible to earn up to 700 credits annually, which can be redeemed through the global store within the wellbeing portal. Dow uses a global equity model to manage a fair and equitable wellbeing incentive program globally.

Dow Wellbeing Portal

"Dow” refers to the company and its subsidiaries that are authorized to participate in the benefit plans described in this guide. The brief summaries of benefits in this guide provide only general information. The benefits are governed by the Plan Document and Summary Plan Description for the applicable benefit. You should refer to the Plan Document and Summary Plan Description of the applicable benefit plan(s) for a more complete description of a benefit plan’s terms. If there is any inconsistency between (a) the information provided in this document and any oral or written representations made by anyone regarding a benefit plan, and (b) the legal documents of a benefit plan, including the Plan Document or Summary Plan Description for the applicable benefit plan, the legal documents will govern. Dow reserves the right to amend, modify or terminate the benefit plan(s) described at any time in its sole discretion. The descriptions in this document are subject to change based on the terms of the benefit plan(s) and applicable law.

Content Steward: Dow North America Benefits | (833) 693-6947 (MYDOWHR)

LIT #318-70418 | October 2024