Choose what's best for you
Enrollment is your once-a-year chance to elect coverage that works for you. Take the time to make thoughtful decisions.
The Dow U.S. Benefits Site has features to help you choose the right options for your personal situation and get the most out of your Dow plans and programs throughout the year. When you’re ready to make your choices, the simple selection process will walk you through all the steps you need to take. Plus, you have quick and easy access to your pension account information (if applicable) and other resources. Ready to enroll? Follow the steps below.
1. Consider your situation
Look at your options, factor in your health status and needs, and think about your preferences. For medical plan details, review the cost and coverage summaries available through the Dow Benefits & Wellbeing hub. A tool to help you calculate your monthly premiums based on coverage level and other factors is also available through the site.
2. Access enrollment
Go to the Dow U.S. Benefits Site during enrollment (November 1 – 16). Establish a new account if you haven’t visited lately. Otherwise, sign in with your username (which is the email you provided when registering) and password. Complete the enhanced security by entering a verification code (follow the on-screen instructions). This helps to ensure your account and data stay secure.
3. Make your choices
On the Dow U.S. Benefits Site homepage, select the option to enroll from the top notification bar and follow the step-by-step process. Once you make your choices, you will see an enrollment confirmation screen – you can print it and save it for your records. This is your verification that your elections were saved and applied. There’s no need to call the service center to verify your elections.
4. Review dependents and beneficiaries
It’s important to review and update your dependents (who have coverage under the plan) and beneficiaries (who receive a benefit if you die) as needed. You will need to provide proof of eligibility for any new dependents you add during annual enrollment. Learn more about poof of eligibility for dependents.
5. Complete the spouse/domestic partner verification
If you cover a spouse/domestic partner who is not yet eligible for Medicare, you must complete the spouse/domestic partner insurance verification process every year. The Dow U.S. Benefits Site will walk you through the verification when you make your elections.
You must complete the spouse/domestic partner verification even if you do not actively enroll or change coverage. If you do not use the online system to make elections for 2023, complete the verification by calling the Dow Retiree Service Center at (800) 344-0661 (select option 2 for health insurance, life insurance and the Dow U.S. Benefits Site.) If not completed, your spouse/domestic partner will be removed from coverage.