We continuously look for ways to make smart investments in our Total Rewards.
This reflects our continued commitment to you so that you can meet your health, wealth and life goals. As life keeps getting busier — at home and at work — we want to make it as easy as possible for you to find the Dow support and resources available to you. Throughout the year, we will highlight tools, resources and tips that will enhance your wellbeing and help you make the most of your Dow benefits. We encourage you to take advantage of them. Keep reading to see how Dow supports your health, wealth and life.
Support for your health.
The health of our company starts with the health of our employees. Dow offers tools and resources to help you take charge of your health and maintain a resilient lifestyle.
Support for your wealth.
Leverage the resources offered by Dow to help your money work smarter, not harder — so you can meet your financial goals.
Support for your life.
Having meaningful relationships and feeling connected — both in the work that you do and in the communities in which you live — are wellbeing boosters. Our role in the community helps us to feel connected and find purpose in and outside of work.
Additional news to use
We want to make sure you stay in the know. Check out recent communications and updates you may have missed.
Stay up-to-date with text messages
Don't miss out on key benefit alerts. Sign up for text messages to receive important, real-time, benefit news and updates. See how.
Resources for Working Caregivers
Many of our Dow colleagues balance their daily work duties and responsibilities as a caregiver. Dow is committed to supporting the caregivers among us to aide with the challenge. Visit Dow’s Resources for Working Caregivers article to learn more about resources available to help employees and leaders navigate the joys and demands of caregiving.
Aetna One® Advocate Interactive Guide
If you’re an Aetna participant, you already know Aetna One advocate provides care you can count on. Download this interactive brochure to learn more and see how Aetna One Advocate can help you navigate your health care journey.
Maven Moments
Maven, an offering available for Aetna participants, is the world’s largest virtual clinic for women and families. Maven regularly offers free virtual live events that bring together their providers and network of thought leaders for discussions on top-of-mind issues related to women's and family health. Learn more here.
Health
Comprehensive medical coverage to support your health
When it comes to your health, Dow has you covered by providing you with a choice of medical options and the flexibility to choose what suits you based on your needs and budget. Each offers comprehensive coverage, preventive care and has an out-of-pocket maximum to protect you from catastrophic costs.
Preventive care services are designed to help you stay healthy and include things like annual check-ups, immunizations and routine screenings. Staying on top of your health with preventive care is the best way to see where things are going well and where you may need to focus to prevent bigger problems from developing. Medical carriers have guidelines for what is generally covered as preventive care, which varies based on your age, gender and family history.
It’s important to note that some procedures may require prior authorization. Prior authorization is the requirement that your provider gets approval from your insurance plan before prescribing you medication or doing a medical procedure. If you do not get prior authorization when it’s required, your benefits will be reduced, or in some instances, not paid at all.
Learn more by visiting your medical carrier’s website or by calling the number listed on the back of your ID card.
Enrolled in an Aetna medical plan?
Be sure to download the interactive brochure to see how you can partner with Aetna One Advocate to make the most of your Dow benefits.
Care guides: Helping you care for health conditions
Dow believes in offering programs that address the full range of employee needs and support you every step of the way as you navigate health challenges and strive to be at your best. We know it can be scary if you’re facing a difficult diagnosis, which is why we put the power of knowledge at your fingertips with resources to support you if you or a loved one are:
- Facing a cancer diagnosis
- Managing a digestive condition
- Experiencing bone or joint pain
- Struggling with substance use
Personify Health: Your health and wellbeing partner
Making your health a priority is easier when you can do it wherever and whenever you want. Personify Health helps improve or maintain good health through convenient resources — right at your fingertips. With the online portal or mobile app, you’ll have access to programs and resources to help you get active, sleep better, manage your finances, find emotional balance and more — so you can prioritize your wellbeing in the way that works for you. Additionally, as a Dow employee, you can earn credits annually that you can redeem through the global store within the Dow Wellbeing Portal.
Wellbeing tip!
Dow recently introduced two specialty programs to help you better manage your health and achieve your personal goals:
- Hinge Health’s virtual programs combine gentle exercise with 1-on-1 support to help reduce joint and muscle pain. Take advantage of your Hinge Health benefit.
- If you’re enrolled in an Aetna medical plan, Maven provides access to holistic care for women and families, including fertility and family building support, maternity and newborn care, menopause and ongoing care. Learn more.
Wealth
Helping you build your retirement readiness
Planning for retirement is an important step you can take toward feeling financially secure — and participating in the Dow Savings Plan, or 401(k), can help. Whether you’re a seasoned saver with the Savings Plan or you’re just getting started, the math is on your side. That’s because Dow helps you contribute with:
- Company matching contributions: Dow contributes 5% of eligible pay when you contribute at least 6%.
- Automatic non-elective company contribution: Dow makes a contribution equal to 4% of your eligible pay whether or not you’re contributing.
That means Dow contributes up to 9% of your eligible pay to your retirement savings each year. Learn more by reviewing the Employees’ Savings Plan article (KB0046032) or logging into your account.
Building your retirement nest egg
As you're thinking about your retirement, be sure to consider your Dow pension benefits (if applicable). While Dow has stopped pension accruals as of December 31, 2023, any benefits you earned as of that date remain available. Use the Pension Modeler available through the Dow U.S. Benefits Site to view your final pension benefits (select Prepare for Your Future > Model My Retirement Income).
Student debt: Make your money work for you
With Dow’s Student Debt Retirement Savings Match program, your student loan payments count as contributions to your account in the Savings Plan — making them eligible for the company matching contributions. When you enroll in the program, Dow will apply your monthly student loan payments as if they are contributions to your Savings Plan — helping you build your future savings while paying off today’s debt. For questions, please contact the Fidelity Student Loans Service Center at (866) 711-0350.
Health Savings Account: Use it now OR in the future
If you’re enrolled in the High Deductible Medical Plan and meet the eligibility requirements, you have access to a Health Savings Account (HSA), which allows you to set aside tax-free money to pay for eligible health care expenses now or in the future. The money in your HSA is yours to keep — even when you retire. There are many advantages to the HSA:
- Triple tax savings. The money goes into your account tax-free, grows tax-free and comes out tax-free when you use it to pay for eligible expenses.
- Money rolls over year after year. Any money you don’t spend can be saved year after year to pay for future expenses, including expenses you incur in retirement.
- You’re in control. You can stop, start or change your contributions at any time during the year. Plus, you can invest your money in a variety of investment options through Fidelity.
Life
Grow your career with Dow
We know how hard you work every day and that focusing on your career growth is another investment of your time and energy. It’s exciting to see our employees develop and grow with us. Understanding how we fit into Dow’s larger picture will help ensure that our time and energy are focused on the most important activities. Explore resources to help you manage your goals and career development.
Get involved at Dow
At Dow, we want every employee to feel safe and respected. Our Employee Resource Groups (ERGs) offer focused communities to support a diverse and inclusive culture and to encourage sharing, personal growth and education. Employees are welcome to join any or all of the following ERGs:
- Asian Diversity Network (ADN)
- Disability Employee Network (DEN)
- Global African Affinity Network (GAAN)
- GLAD
- Hispanic Latin America Network (HLN)
- Middle East North Africa Intercultural Network (MENA Intercultural Network)
- PR!ME
- RISE — Early Careers
- Veterans Network (VetNet)
- Women’s Inclusion Network (WIN)
Spring Health: There when you need it
We know that one size doesn’t fit all, and that all our employees have different challenges and goals in life. Spring Health, our Employee Assistance Program (EAP) provider, is your go-to resource for personalized support. You, your spouse/domestic partner, and your dependents have access to 24/7 crisis support, coaching, online wellness resources, work-life services and more.
Wellbeing tip!
Focus on your mental and emotional wellbeing, which is deeply connected to all aspects of being well. Dow offers a variety of confidential resources for you and your family. Find what you need, whether you’re looking for a boost, would like personal support or need immediate help.
Please note: This communication represents a high-level summary and does not constitute the full terms and conditions of these benefits. Some benefits highlighted may require an employee to be enrolled in a certain medical plan (i.e. Maven is offered to employees with an Aetna medical plan only). Eligibility and other terms may vary for employees who are subject to a collective bargaining agreement. Dow reserves the right to amend or terminate its benefit plans at any time in its sole discretion.
Content Steward: Dow North America Benefits | (833) 693-6947 (MYDOWHR)
April 2025