New Hire

Welcome to Lowe’s! We are excited to have you join the Lowe’s team. Your HR Manager or Coach will discuss the benefits available to you, but below are answers to some commonly asked questions.

Am I eligible to enroll in full-time benefits?

Regular full-time employees are eligible to enroll in Medical (includes prescription drugs); Dental, Vision; Life Insurance; Fixed Indemnity; Critical Illness; Accident; Disability; Accidental Death and Dismemberment (AD&D); flexible spending accounts (FSA); health savings account (HSA); pre-paid legal; a commuter benefit; auto and home insurance discounts; 401(k); and the employee stock purchase plan.

How long do I have to enroll in benefits?

You must enroll within 60 days of your hire or re-hire date. Elections made after the 60th day will not be accepted.  After 60 days, you cannot enroll unless you have a qualified status change.

When will my benefits start?

Full-Time Benefits Benefit Effective Date

Medical, including Prescription Drugs



Life Insurance

Critical Illness



Fixed Indemnity

Accidental Death & Dismemberment (AD&D)

Flexible Spending Accounts

Health Savings Account (HSA)

Commuter Benefit

Pre-Paid Legal

Auto and Home Insurance

After 89 days of continuous employment (Exception for Hawaii employees: eligibility for medical is based on state guidelines)
Business Travel Accident InsuranceOn your date of hire
Employee Stock Purchase PlanJune 1 or December 1 on or after your date of hire
401(k) Plan, including Lowe’s matching contributionsAfter 180 days of continuous employment


What should I enroll in?

Lowe’s cannot provide advice or guidance on what plans to enroll in, but we do make the following recommendations for all new full-time employees as they consider their choices:

Do now:

  • Select your Medical, Dental, and Vision plans.

Determine which plans are best for you and your family. Once you’ve made your decisions, click here to enroll. If you are not logged in to My Lowe’s Life, you will be prompted to enter your employee ID and password.

  • Look into a healthcare and/or dependent care FSA.

Flexible spending accounts for health and dependent care expenses can help you save money. Click here for additional information.

  • Review Life Insurance and other voluntary benefits (Disability, Accidental Death and Dismemberment, Critical Illness, Commuter Benefit, Fixed Indemnity, and Accident).

Life Insurance and voluntary benefits may provide additional financial protection for you and your family. You can also create a will free of charge if you are enrolled in the life insurance plan. Discover the different voluntary benefits available by reviewing the benefit options under the “Benefits” tab.


  • Contacting the family assistance program.

Call the Lowe’s family assistance program to help manage stress, ease into a work/life balance, find childcare, or to receive counseling. To get started call 1-877-543-3875.

  • Reviewing 401(k) and employee stock purchase plan options.

Consider enrolling in Lowe’s 401(k) and/or employee stock purchase plan. Lowe’s matches some 401(k) contributions and also offers discounted company stock to employees. Click here for 401(k) and here for employee stock purchase.

You can learn more about the benefits available by researching your choices on this site. If you have a qualifying status change, consider the My Life tool as well. You may also want to visit the New Employee Exchange Community on Connections as you begin your career with Lowe’s.