Life happens. Things change. You may want to change your benefits too. We can help.

We took the most common life events and outlined things to consider with your benefits plan. Choose from below to get started.

Birth or
Adoption

Job Status
Change/
Transfer Work
Locations

Marriage
or Domestic
Partnership

Death of
a Spouse,
Domestic Partner
or Child

Divorce or
End of Domestic
Partnership

Gain or Loss of
Other Healthcare
Coverage

Not sure if your life event qualifies for a benefits change?

View a comprehensive list of qualified events →

Birth or Adoption

Congratulations!

We want to help you make the most of your Lowe’s benefits as you welcome the new addition to your family. Please select the proper circle below:

Birth

Adoption

Birth

Whether you are still waiting for the baby’s arrival or already have your bundle of joy, Lowe’s benefits can help. Please select the proper circle below:

Expecting

The Baby
Is Here

Expecting

Congratulations on the pending arrival of a new addition to your family! You might not realize all the ways your benefits support you in this process. Here is a checklist that can help:

Do now:

  1. Review your medical plan

    Maternity care is available under designated medical plans. Need more information about your medical plan design? Click here.

  2. Enroll in the maternity management program

    Enroll in the maternity program under your medical plan. Click here.

    If you enroll in the maternity program under your medical plan within the first 24 weeks of your pregnancy, the deductible for the baby will be waived. Call 1-877-543-3875 for more information.

  3. Review Lowe’s leave policies

    Start looking at Lowe’s leave of absence, Short-Term Disability, and FMLA policies. View now.

    Begin filling out the paperwork for Short-Term Disability and FMLA. Download paperwork.

Consider:

  1. Who will be your pediatrician?

    Your medical plan can assist you with finding an in-network pediatrician. Search now.

  2. Will you need child care?

    The Family Assistance Plan can assist with finding a child care provider. Search now.

    The Dependent Care FSA can help you save for child care.

  3. Other ways to save money

    The healthcare FSA can help with medical costs too. View now.

  4. Using Health Support Services

    Lowe’s self-funded plans (Option 1, Option 2, and HDHP) offer support for covered employees, including health navigators, health coaching, and more. Click here to learn more.

The Baby Is Here

Congratulations on the birth of your child! You have 31 days from the birth to make any benefits changes. Changes will be in effect retroactively to the date of your child’s birth. Here is a checklist of items to do to help your benefits support you after the arrival of the baby.

Do now:

  1. Update your Medical, Dental, and Vision plans

    Add the baby and make any other changes to your Medical, Dental, and Vision plans. Remember, adding the baby’s information does not automatically enroll them in benefits. The baby must be added to each benefit through the Empowered Benefits system. Log in to make changes here.

  2. Make sure you have applied for Short-Term Disability and FMLA (if applicable)

    Short-Term Disability and FMLA can provide protection for eligible employees. Learn more here.

  3. Schedule your baby’s visit to the pediatrician

    Eligible wellness benefits are covered at 100% if they are received in-network. Not sure if you are eligible? Check here.

Consider:

  1. Signing up for a healthcare and/or dependent care FSA

    Flexible spending accounts for medical and child care expenses can help you save money. Learn more here.

  2. Updating Life Insurance and other supplemental coverage (Disability, Accidental Death and Dismemberment, Critical Illness, Fixed Indemnity, Accident coverage)

    Life Insurance and supplemental coverage can create financial protection for you and your family. Review your beneficiary information at My Lowe’s Life. You can also create a will free of charge if you are enrolled in the Lowe’s Life Insurance plan. Discover the different supplemental coverage available here.

  3. Getting help through the Family Assistance Program

    Having a baby is a major life change. Call the Lowe’s Family Assistance Program to help manage stress, ease into a work/life balance, find child care, or receive counseling. Call 1-877-543-3875 (option 1) to get started.

  4. Reviewing your 401(k), employee stock purchase, and financial planning options

    Consider enrolling in or updating your 401(k) or Employee Stock Purchase Plans. 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 details.

  5. Using Health Support Services

    Lowe’s self-funded plans (Option 1, Option 2 and HDHP) offer support for covered employees, including health navigators, health coaching, and more. Click here to learn more.

Adoption

Congratulations on the new addition to your family! You have 31 days from the adoption of your child to make any benefits changes. Changes will be in effect retroactively to the date of your child’s adoption. Here is a checklist of items to do to help your benefits support you after the adoption is finalized.

Do now:

  1. Update your Medical, Dental, and Vision plans

    Add the child and make any other changes to your Medical, Dental, and Vision plans. Remember, adding the baby’s information does not automatically enroll them in benefits. The baby must be added to each benefit through the Empowered Benefits system. Log in to make changes here.

  2. Schedule your child’s visit to the pediatrician

    Eligible wellness benefits are covered at 100% if they are received in-network. Not sure if you are eligible? Check here.

Consider:

  1. Signing up for a healthcare and/or dependent care FSA

    Flexible spending accounts for medical and child care expenses can help you save money. Learn more here.
  2. Getting help through the Family Assistance Program

    An addition to the family is a major life change. Call the Lowe’s Family Assistance Program to help manage stress, ease into a work/life balance, find child care, or receive counseling. Call 1-877-543-3875 (option 1) to get started.

  3. Updating Life Insurance and other supplemental coverage (Disability, Accidental Death and Dismemberment, Critical Illness, Fixed Indemnity, Accident coverage)

    Life Insurance and supplemental coverage can create financial protection for you and your family. Review your beneficiary information at My Lowe’s Life. You can also create a will free of charge if you are enrolled in the Lowe’s Life Insurance plan. Discover the different supplemental coverage available here.

  4. Reviewing your 401(k), employee stock purchase, and financial planning options

    Consider enrolling in or updating your 401(k) or Employee Stock Purchase Plans. 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 plan details.

  5. Using Health Support Services

    Lowe’s self-funded plans (Option 1, Option 2 and HDHP) offer support for covered employees, including health navigators, health coaching, and more. Click here to learn more.

  6. Taking Advantage of Your Pre-Paid Legal Benefit

    Those who have already enrolled in the Pre-Paid Legal benefit can use those services toward an adoption. Others can enroll in Pre-Paid legal during their initial eligibility window or during annual enrolment.

Marriage/Domestic Partnership Started

Congratulations on your new life together! You have 31 days from the date of the life event to make any benefits changes. Benefits will become effective immediately after election. Here is a checklist of things to do to help your benefits support you as your new life together starts.

Do now:

  1. Update your Medical, Dental, and Vision plans

    Add your spouse/domestic partner, and make any other changes to your Medical, Dental, and Vision plans.Remember, adding your spouse or domestic partner’s information does not automatically enroll them in benefits. They must be added to each benefit through the Empowered Benefits system. Log in to make changes here.

  2. Review your beneficiary information

    Review your beneficiary information at My Lowe’s Life. You can also create a will free of charge if you are enrolled in the Lowe’s Life Insurance plan.

Consider:

  1. Signing up for a healthcare and/or dependent care FSA

    Flexible spending accounts for medical and child care expenses can help you save money. Learn more here.

  2. Updating your Life Insurance and other supplemental coverage (Disability, Accidental Death and Dismemberment, Critical Illness, Fixed Indemnity, Accident coverage)

    Life Insurance and supplemental coverage can create financial protection for you and your family. Discover the different supplemental coverage available here.

  3. Getting help through the Family Assistance Program

    A marriage or domestic partnership is a major life change. Call the Lowe’s Family Assistance Program to help manage stress, ease into a work/life balance, find child care, or receive counseling. Call 1-877-543-3875 (option 1) to get started.

  4. Reviewing your 401(k), employee stock purchase, and financial planning options

    Consider enrolling in or updating your 401(k) or Employee Stock Purchase Plans. 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 details.

  5. Using Health Support Services

    Lowe’s self-funded plans (Option 1, Option 2, and HDHP) offer support for covered employees, including health navigators, health coaching, and more. Click here to learn more.

Marriage/Domestic Partnership Ended

The ending of your marriage or domestic partnership could necessitate changes to your benefits choices. Please review the following benefits options. You will have 31 days after the qualifying life event to make any changes to your benefits. Please contact HR Shared Services if you are outside your 31 day window at HRSharedServices@Lowes.com.

Do now:

  1. Update your Medical, Dental, and Vision plans

    Remove your spouse/domestic partner, and make any other changes to your Medical, Dental, and Vision plans. Log in to make changes here.

  2. Review your beneficiary information

    Review your beneficiary information at My Lowe’s Life. You can also create a will free of charge if you are enrolled in the Lowe’s Life Insurance plan.

Consider:

  1. Contacting the Family Assistance Program

    The end of a marriage or domestic partnership can be difficult. Call the Lowe’s Family Assistance Program to help manage stress, ease into a work/life balance, find child care, or receive counseling. Call 1-877-543-3875 (option 1) to get started.

  2. Updating your healthcare and/or dependent care FSA

    Consider any changes that may need to be made to your flexible spending accounts for medical and child care expenses. Learn more here.

  3. Updating your Life Insurance and other supplemental coverage (Disability, Accidental Death and Dismemberment, Critical Illness, Fixed Indemnity, Accident coverage)

    Life insurance and supplemental coverage can create financial protection for you and your family. Discover the different supplemental coverage available here.

  4. Reviewing your 401(k), employee stock purchase, and financial planning options

    Consider enrolling in or updating your 401(k) or Employee Stock Purchase Plans. 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 Plan details.

Death of Spouse, Domestic Partner or Child

We extend our sympathies to you after the passing of your loved one. The death of a child, spouse or domestic partner could necessitate changes in your benefits choices. Please review the following benefits options. You will have 31 days after the qualifying life event to make any changes. Please contact HR Shared Services if you are beyond your 31 day window at HRSharedServices@lowes.com.

Do now:

  1. Update your Medical, Dental, and Vision plans

    Remove your child, spouse or domestic partner, and make any other changes to your Medical, Dental, and Vision plans. Log in to make changes here.

  2. Review your Life Insurance and other Lowe’s benefits

    Full-time employees can contact Cigna at 1-800-238-2125 for more information about a current Life Insurance policy issued through Lowe’s benefits.

  3. Review your dependent care FSA or other spending plans (if applicable)

    Consider any changes that may need to be made to your flexible spending accounts for medical and child care expenses. Learn more here.

Consider:

  1. Contacting the Family Assistance Program

    The death of a loved one can be difficult. Call the Lowe’s Family Assistance Program to receive counseling, manage stress, or ease into a work/life balance. Call 1-877-543-3875 (option 1) to get started.

  2. Researching supplemental insurance

    Additional supplemental coverage can create financial protection for you and your family in times of need. Review the different supplemental coverage available here.

  3. Reviewing your 401(k), employee stock purchase and financial planning options

    Consider enrolling in or updating your 401(k) or Employee Stock Purchase Plans. 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 details.

  4. Using Health Support Services

    Lowe’s self-funded plans (Option 1, Option 2 and HDHP) offer support for covered employees, including health navigators, health coaching, and more. Click here to learn more.

Gain or Loss of Healthcare Coverage

We want to help you take the proper steps when you have a change in health coverage. Please choose the circle that reflects your situation:

Gain of Other
Coverage

Loss of Other
Coverage

Gain of Other Coverage

If new health coverage will be replacing coverage provided by Lowe’s, please review the following checklist to assist you as you make changes to your benefits. You will have 31 days after the qualifying life event to make any changes. Benefits will become effective immediately after election.

Do now:

  1. Update your Medical, Dental, and Vision plans

    Make any needed changes to your Medical, Dental, and Vision plans. Log in to make changes here.

  2. Update your healthcare and/or dependent care FSA

    Consider any changes that may need to be made to your flexible spending accounts for medical and child care expenses. Learn more here.

  3. Update your Life Insurance and other supplemental coverage Disability, Accidental Death and Dismemberment, Critical Illness, Fixed Indemnity, Accident coverage)

    Life Insurance and supplemental coverage can create financial protection for you and your family. Review your beneficiary information at My Lowe’s Life. You can also create a will free of charge if you are enrolled in the Lowe’s Life Insurance plan. Discover the different supplemental coverage available here.

Consider:

  1. Contacting the Family Assistance Program

    Call the Lowe’s Family Assistance Program to help manage stress, ease into a work/life balance, find child care, or receive counseling. Call 1-877-543-3875 (option 1) to get started.

  2. Reviewing your 401(k), employee stock purchase and financial planning options

    Consider enrolling in or updating your 401(k) or Employee Stock Purchase Plans. 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 details.

Loss of Other Coverage

If health coverage from Lowe’s will be replacing coverage provided by your former health plan, please review the following checklist as you make changes to your benefits. You will have 31 days after the qualifying life event to make any changes. Benefits will become effective immediately after election.

Do now:

  1. Update your Medical, Dental, and Vision plans

    Make any needed changes to your Medical, Dental, and Vision plans. Remember, adding your spouse, domestic partner, and/or child’s information does not automatically enroll them in benefits. They must be added to each benefit through the Empowered Benefits system. Log in to make changes here.

  2. Update your healthcare and/or dependent care FSA

    Consider any changes that may need to be made to your flexible spending accounts for medical and child care expenses. Learn more here.

  3. Update your Life Insurance and other supplemental coverage Disability, Accidental Death and Dismemberment, Critical Illness, Fixed Indemnity, Accident coverage)

    Life Insurance and supplemental coverage can create financial protection for you and your family. Review your beneficiary information at My Lowe’s Life. You can also create a will free of charge if you are enrolled in the Lowe’s Life Insurance plan. Discover the different supplemental coverage available here.

Consider:

  1. Contacting the Family Assistance Program

    Call the Lowe’s Family Assistance Program to help manage stress, ease into a work/life balance, find child care, or receive counseling. Call 1-877-543-3875 (option 1) to get started.

  2. Reviewing your 401(k), employee stock purchase and financial planning options

    Consider enrolling in or updating your 401(k) or Employee Stock Purchase Plans. 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 details.

  3. Using Health Support Services

    Lowe’s self-funded plans (Option 1, Option 2 and HDHP) offer support for covered employees, including health navigators, health coaching, and more. Click here to learn more.

Job Status Change or Transfer Work Location

A change in status or location may create changes to your benefits. Please choose the circle that reflects your situation:

Temporary
to Full-Time

Part-Time
to Full-Time

Transfer
of Location

Full-Time
to Part-Time

Temporary to Full-Time

Congratulations on becoming a full-time employee at Lowe’s! There are many ways that Lowe’s benefits can make a difference. Upon transfer to a regular/full-time position, an employee has 60 days to complete their enrollment election. Benefits will go into effect immediately after an election if 90 days of service has already been completed. Here is a checklist to help you as you make your benefits selections:

Do now:

  1. Select your Medical, Dental, and Vision plans

    Determine which plans are best for you and your family. Once you’ve made your decisions, log in to make selections here. Remember, adding your spouse, domestic partner, and/or child’s information does not automatically enroll them in benefits. They must be added to each benefit through the Empowered Benefits system.

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

    Flexible spending accounts for medical and child care expenses can help you save money. Learn more here.

  3. Review Life Insurance and other supplemental coverage options Disability, Accidental Death and Dismemberment, Critical Illness, Fixed Indemnity, Accident coverage)

    Life Insurance and supplemental coverage can create financial protection for you and your family. You can also create a will free of charge if you are enrolled in the Lowe’s life insurance plan. Discover the different supplemental coverage available here.

Consider:

  1. Contacting the Family Assistance Program

    Call the Lowe’s Family Assistance Program to help manage stress, ease into a work/life balance, find child care, or receive counseling. Call 1-877-543-3875 (option 1) to get started.

  2. Reviewing 401(k), Pre-Paid Legal, and employee stock purchase options

    Consider enrolling in or updating your 401(k) or Employee Stock Purchase Plans. Lowe’s matches some 401(k) contributions, and also offers discounted company stock to employees. Click here for 401(k), here for Employee Stock Purchase Plan and here for Pre Paid Legal details.

  3. Using Health Support Services

    Lowe’s self-funded plans (Option 1, Option 2, and HDHP) offer support for covered employees, including health navigators, health coaching, and more. Click here to learn more.

Full-Time to Part-Time

Shifting from full-time employment to part-time employment will necessitate changes to your benefits. You will have 31 days after the job status change to make any changes. Your benefits will become effective immediately. Click here to learn about benefits available to part-time employees. Follow these guidelines as you make the change.

Do now:

  1. Select your Medical, Dental, and Vision plans

    Determine which plans are best for you and your family. Click here for more information on part-time Medical, Dental, and Vision plans. Remember, adding your spouse, domestic partner, and/or child’s information does not automatically enroll them in benefits. They must be added to each benefit through the Empowered Benefits system.

     

    To make changes to your Lowe's benefits, log in here. You also may want to consider health plans available through the federal or state marketplace. GoHealth can help determine if you qualify for a subsidy, what plans are available, and get you enrolled. Call 1-855-414-6191 or click here to contact GoHealth.

  2. Update your Life Insurance and other supplemental coverage (Short-Term Disability, Critical Illness, Fixed Indemnity Plan, Accident coverage)

    Life Insurance and supplemental coverage can create financial protection for your family. Discover the different supplemental coverage available here.

Consider:

  1. Contacting the Family Assistance Program

    The change in your work schedule may create new challenges. Call the Lowe’s Family Assistance Program to help manage stress, ease into a work/life balance and find child care. Call 1-877-543-3875 (option 1) to get started.

  2. Reviewing 401(k) and employee stock purchase options

    Consider enrolling in or updating your 401(k) or Employee Stock Purchase Plans. 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 Plan details.

Part-Time to Full-Time

Congratulations on becoming a full-time employee at Lowe’s! There are many ways that Lowe’s benefits can make a difference. Upon transfer to a regular/full-time position an employee has 60 days to complete their enrollment election. Your newly elected benefits will become effective immediately if 90 days of service has already been completed. Here is a checklist to help you as you make your benefits selections:

Do now:

  1. Select your Medical, Dental, and Vision plans

    Determine which plans are best for you and your family. Click here for more information on full-time Medical, Dental, and Vision plans. Remember, adding your spouse, domestic partner, and/or child’s information does not automatically enroll them in benefits. They must be added to each benefit through the Empowered Benefits system. Log in to make changes.

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

    Flexible spending accounts for medical and child care expenses can help you save money. Learn more here.

  3. Review Life Insurance and other supplemental coverage options Disability, Accidental Death and Dismemberment, Critical Illness, Fixed Indemnity, Accident coverage)

    Life Insurance and supplemental coverage can create financial protection for your family. You can also create a will free of charge if you are enrolled in the Lowe’s Life Insurance plan. Discover the different supplemental coverage available here.

Consider:

  1. Contacting the Family Assistance Program

    Call the Lowe’s Family Assistance Program to help manage stress, ease into a work/life balance, find child care, or receive counseling.Call 1-877-543-3875 (option 1) to get started.

  2. Reviewing your 401(k), employee stock purchase and financial planning options

    Consider enrolling in or updating your 401(k) or Employee Stock Purchase Plans. 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 Plan details.

  3. Using Health Support Services

    Lowe’s self-funded plans (Option 1, Option 2, and HDHP) offer support for covered employees, including health navigators, health coaching, and more. Click here to learn more.

Transfer of Location

Moving to another Lowe’s location could change the medical plan you receive, but there are things you can do to help make the transition easier for yourself and your family.

Do now:

  1. Review your medical plan

    Your medical provider may have changed because of your new location. Check this page to see which provider serves you. Log in to make selections here.

  2. Go to My Lowe’s Life and check out the moving checklist

    If you are moving to a new residence, a checklist on My Lowe’s Life can help you prepare for your move, beginning from two months out. Click on the “moving” link in My Work/Life within My Lowe’s Life to learn more.

Consider:

  1. Contacting the Family Assistance Program

    If you are moving out of town, the Family Assistance Program can help you manage stress, ease into a work/life balance and find child care. Call 1-877-543-3875 (option 1) to get started.

  2. Using Health Support Services

    Lowe’s self-funded plans (Option 1, Option 2, and HDHP) offer support for covered employees, including health navigators, health coaching, and more. Click here to learn more.