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.

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

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

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.

Generally, employees may choose between point-of-service (POS) or indemnity coverage, depending on where they live, and an HMO option. There are three POS options to choose from: Buy-Up, Standard and Catastrophic.

Comprehensive coverage for many restorative and reconstructive services are offered. This also includes orthodontic benefits for eligible dependents, and 100 percent coverage for preventive care.

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

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

Dependent Life Insurance offers two levels of coverage for your spouse and/or eligible dependent children.

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

Long term disability insurance provides benefits to participants who become totally disabled and cannot work for an extended period of time. The LTD plan offers two options: a 90-day or 140-day waiting period. Evidence of insurability rules may apply.

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

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

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

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 5 years.

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 amount for 2005 is $14,000. 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. The minimum amount the company will contribute is 50 cents and the maximum is $1.50. 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