Employee Benefits

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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:
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    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 their paycheck on a pre-tax basis.
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    Dental and Vision Insurance

  • Dental and vision benefits are available for full-time, regular employees and eligible dependents. Union employee coverage varies per local contract.
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    Life Insurance

  • Ameren provides employees with Basic life insurance and Accidental Death and Dismemberment (AD&D) coverage. Most employees also have the option to purchase Supplemental life and AD&D coverage.
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    Long-Term Disability (LTD)

  • Full-time employees are eligible to participate in the LTD Plan, which provides an income to an employee in the case of an extended illness.
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    Retirement 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 years of service with Ameren.
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    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 their 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.
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    Flexible Spending Accounts (FSA)

  • Ameren employees can choose to participate in two separate FSA accounts each year - Dependent Care and/or Health Care. Employees contribute to the FSA on a pre-tax basis, reducing their taxable income. The accounts can be used to pay for qualified day care or healthcare expenses with pre-tax dollars.
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    Work-Life Employee Assistance Program

  • Ameren's Work-Life Employee Assistance Program (EAP) provides both confidential professional assistance to employees and members of their immediate family for personal problems, as well as serving as a resource for finding appropriate community services, including financial, legal, community referral resources and mental health/chemical dependency care that is convenient, affordable and confidential. An independent private consulting firm that specializes in confidential assistance for employees operates the Work-Life EAP. The Work-Life EAP is provided at no cost to employees.
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    Paid Holidays, Vacations and Sick Leave

  • Employees receive paid holidays, (location dependent), as well as paid vacation time. Employees also are provided with a sick leave allowance based on employment type. Sick leave allowances typically increase as an employee’s length of service with Ameren increases.

    Time off for Special Purposes:
    • Military service
    • Jury duty
    • Death in family
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    Educational Assistance Program

  • Ameren pays up to 100% of an employee’s tuition and some fees for approved 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.

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    Stock Purchase Plan (DRPlus)

  • Ameren offers a stock purchase plan called DRPlus to all employees. 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 can begin or terminate participation at any time.
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