Benefits Overview

Time Away From Work

Allstate provides eligible employees paid time away from work in the form of a Paid Time Off (PTO) Bank to address personal needs such as vacation, family illness, and incidental illness absences not covered by the Short Term Disability (STD) plan. Full-time and regular part-time employees are eligible for PTO.

Company Holidays

In addition to the PTO Bank, employees receive company-designated holidays. Company-designated holidays may vary by business unit.

Miscellaneous Time Off

Employees are also eligible for other paid time off for certain absences such as jury duty, their naturalization or certain funerals.

Short Term Disability (STD)

This plan provides salary continuation benefits in the event an eligible employee is unable to work due to non work-related illness or injury. Benefits begin after a waiting period and vary depending on the length of service.

Medical

Generally, based on zip code, employees may choose between a Custom Select Plan (CSP), Out-of-Area Indemnity coverage, Consumer Advantage Plan with Health Savings Account, various Health Maintenance Organizations (HMO's), non-CSP point-of-service and exclusive provider organization coverage options.

Dental

Coverage for preventive and diagnostic services, in addition to comprehensive coverage for many restorative and reconstructive services are offered. The plan also includes orthodontia and TMJ services.

Vision

The plan covers periodic exams, eyeglass lenses and frames, or contact lenses, up to a designated dollar amount.

Employee Life Insurance

Provides options up to eight times an employee's Qualified Annual Earnings (QAE). Evidence of insurability rules may apply.

Dependent Life Insurance

Available for your spouse and/or eligible dependent children. Includes three coverage options provided the employee maintains the appropriate minimum amount of employee life insurance.

Accidental Death & Dismemberment (AD&D) Insurance

AD&D insurance coverage is provided at no cost who are actively at work. The benefit amount is two times Qualified Annual Earnings, up to $300,000.

Long Term Disability (LTD) Insurance

Long term disability insurance provides loss of income protection to participants who become totally disabled and unable to work. The LTD plan offers two options: a 90-day or 140-day waiting period. Evidence of insurability rules may apply.

Health Care Flexible Spending Account

Eligible employees can contribute up to $3,000 per year in pre-tax dollars to help pay for eligible health care expenses.

Dependent Day Care Flexible Spending Account

Eligible employees can contribute up to $5,000 per year in pre-tax dollars to help pay for eligible dependent day care expenses.

Group Legal

This plan provides access to a nationwide network of attorneys who can provide assistance with covered legal questions or problems.

Allstate Retirement Plan

The pension plan provides retirement benefits, at no cost, to eligible employees based on their eligible compensation and years of service with Allstate. Employees are vested after 3 years.

The Allstate 401(k) Savings Plan

Pre-tax [i.e., 401(k)] and after-tax employee deposit options are available. Eligible employees can contribute from 1 percent to 50 percent of their annual income; the maximum deposit limits change annually. On pre-tax deposits of up to 5 percent of pay, a fixed Company Contribution is made, along with one that varies based on the Company's performance. All Company Contributions are made in the form of Allstate stock. The Fund offers several investment options, along with the ability to make changes to your account on a daily basis. Subject to the Fund's terms, loans are available and rollovers will be accepted from other qualified employer plans