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Welcome to Dow's benefit program

To help you be your best at work and at home, Dow’s Total Rewards package includes a comprehensive benefits program that supports every aspect of your wellbeing.

Manage your health

Navigate your life

Prepare for your future

As part of the continued integration of Circulus into Dow, it’s time to make new benefit elections: June 15 – 26, 2026. Your current Circulus benefits will end June 30, 2026. If elected, your Dow benefits will take effect July 1, 2026, and will remain in effect through December 31, 2026. If you do not enroll by June 26, you will not have the opportunity to enroll in benefits until the next annual enrollment period, which will take place in November 2026.

Steps to take.

We know benefits are important to you. To ensure you and your family have the coverage you need for the rest of the year, take the steps below:

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 (833-MYDOWHR).

Step 1: Learn about your Dow benefit 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.

Go to guide

Visit the Resources for You page for tips on maximizing your Dow benefits and important updates throughout the year.

Go to Resources for You

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

Your Dow medical coverage through Aetna

As you transition to Dow coverage, there are a few important considerations to keep in mind — like provider access, deductible timing and planning for ongoing care. Learn more.

Step 2: Enroll for benefits June 15 – 26, 2026.

This is your chance to choose your Dow benefits. The benefits you elect now will be in effect July 1 – December 31, 2026. Starting June 15, you’ll access the Dow U.S. Benefits Site to:

Elect your benefits. Our comprehensive benefits package is designed to support your wellbeing and provides you with the flexibility to choose the combination of benefits that fit your unique situation.
Choose who you will cover. You may enroll your eligible spouse/domestic partner and eligible children. Please note: If you need a Letter of Loss for your spouse, please request that from Circulus as soon as possible by contacting Sarah Tegler (stegeler@gnapartners.com) and Jennifer Howard (jhoward@gnapartners.com).
Complete the spouse/domestic partner verification. Dow requires this online verification each year to cover your spouse/domestic partner under medical coverage. It’s a simple online form you’ll need to complete before you elect your benefits. You also must provide required documentation when enrolling for the first time.
Designate your beneficiaries. Designating your beneficiaries protects the financial security of your loved ones by ensuring your benefits are distributed as you wish.

Watch for an email with a link to the U.S. Benefits Site once you have access to the system starting June 15. As you enroll, keep in mind a few key considerations as you select your Dow benefits.

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) and text (if you opt into text messaging).

Key dates

June 15, 2026: You can access the Dow U.S. Benefits Site to enroll.
June 26, 2026: Deadline to enroll.
June 30: Circulus benefit coverage ends.
July 1, 2026: Dow benefit coverage begins.

IMPORTANT! If you don't enroll by June 26, 2026, you will not have the opportunity to enroll in benefits until the 2027 annual enrollment period in November 2026.

Learn more about enrolling by the deadline.

Watch for your ID cards to arrive after you enroll.

More about ID cards ＋

Step 3: Enroll in the Dow Employees’ Savings Plan — Dow 401(k).

Following your transition date, Fidelity will send you information via email on the Dow Employees’ Savings Plan, 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 of your transition, 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 documentation in time for it to be received by September 29, 2026.

After you enroll, you must provide a copy of the required documentation to the Dow Benefits Service Center:

Deadline: Documents must be received by September 29, 2026.
Identification: Include your Dow ID number on the top right-hand corner of each page.

If you do not complete the required verification, your dependents will no longer be covered under Dow benefit plans.

They will lose coverage for medical, dental and vision benefits.
They will not remain eligible for most Dow-sponsored benefits.
In some cases, limited resources — such as the Employee Assistance Program (EAP) — may still be available.

Your own coverage will continue based on your benefit elections.

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 Wellbeing Portal and explore the resources available to help you care for your wellbeing.

Go to 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 (833-MYDOWHR)

May 2026