Employee Benefits
By almost any measure―size, assets, revenues, kilowatthour sales, or market value―Ameren Corporation ranks among the top 25% of the nation's utilities. Ameren's competitive, attractive and comprehensive benefits package reflects the corporation's size and stature as one of the nation's lowest-priced, highest quality energy providers. Here is a brief description of Ameren's benefits package for full-time, regular employees:
	Medical Insurance
	Ameren supplements a major portion of the cost for medical coverage for all full-time, regular employees and eligible dependents. Coverage begins on the first day of employment. The employee’s cost for coverage is deducted from his/her paycheck on a pre-tax basis.
	Dental and Vision Insurance
	Dental and vision benefits are available for most full-time, regular employees and eligible dependents. Union employee coverage varies per local contract.
	Life Insurance
	Ameren provides regular employees with basic life insurance coverage. There are no restrictions on who can be named as a beneficiary under these plans. Ameren also provides accidental death and dismemberment insurance.
	Long-Term Disability (LTD)
	Some full-time employees are eligible to participate in the LTD Plan, which provides an income to an employee in case of an extended or terminal illness.
	Pension Plan
	The Ameren Retirement Plan helps provide a solid foundation of retirement income for an employee. Employees are 100% vested in their account balances after completing 3-5 years of service with Ameren, depending upon the appropriate formula.
	Savings Investment Plan
	Most regular employees are eligible to participate in the Ameren Savings Investment Plan (SIP) immediately upon employment. An employee can choose from a variety of investment funds, offering varying levels of risk. An employee’s elected percentage is invested into his/her account on a pre-tax or after-tax basis. Employees receive a company match on contributions, which is dependent on management or local union packages.
	Flexible Spending Accounts
	Ameren employees can choose to participate in two separate Flexible Spending Accounts―Dependent Care and/or Health Care. When employees contribute to a Flexible Spending Account, their taxable income is reduced because payroll deductions are taken before taxes are withheld; therefore, contributions are not subject to Social Security, federal income and, in most cases, state and local taxes.
	Employee Assistance Program
	The Employee Assistance Program (EAP) provides confidential professional assistance to employees and members of their immediate family for any personal problems. An independent private consulting firm, which specializes in confidential assistance for employees, operates the EAP. The EAP is a pre-paid program provided at no cost to Ameren employees.
	Paid Holidays and Vacations
	Employees receive paid holidays, depending on location, as well as paid vacation time.
	Sick Leave
	Employees are provided with a sick leave allowance based on location. Sick leave allowances typically increase as an employee’s length of service with Ameren increases.
	Educational Assistance Program
	Ameren pays up to 75% of an employee’s tuition and some fees for approvable degree programs, up to and including the Master's degree level. In addition, courses related to an employee's work or courses that qualify the employee for a promotion are reimbursed. A reimbursement is issued upon receipt of final grades at the end of the term.
	Stock Purchase Plan (DRPlus)
	Ameren offers a stock purchase plan called DRPlus to all employees whether or not they are stockholders. The DRPlus Plan provides a convenient means of purchasing shares of Ameren Corporation Common Stock (ticker symbol: AEE) without the payment of any brokerage commissions or service charges. The DRPlus Plan is entirely voluntary, and the employee may begin or terminate participation at any time.
	Time Off for Special Purposes
	-  Jury Duty   -  Death in Family   -  Military Service   -  Personal Time Off
	Other Benefits
	-  Professional Registrations (if applicable)   -  Flexible Time Schedules (subject to operating requirements)   -  Credit Union