At American Family, we want your work experience to provide professional challenge and rewards as you focus on our customer-driven mission. And we want your life outside of work to be fulfilling and satisfying. Our benefits package provides a work and life balance so you can enjoy the people and pursuits you value most.
Whether the position you are offered is full- or part-time, or an internship, will determine which options are available to you. (Note: American Family agents are independent contractors and not offered benefits.)
American Family offers a variety of medical plans, allowing you to find one that meets the needs of you and your family. All full-time and some part-time employees are immediately eligible to enroll in a medical plan. You can enroll yourself and your dependents—a spouse, domestic partner and/or child(ren). And what's more, as a full-time employee (at least 30 hours per week), we pay 90 percent of your premium and 50 percent of the cost of your dependent coverage. As a part-time employee (25-30 hours per week), we pay 65 percent of your premium and 30 percent of your dependent premium. (Some HMOs require a higher contribution from you.)
The plan options vary depending on where you live. All plans offer comprehensive coverage including preventive care and prescription drug coverage. You can also choose a high-deductible health plan that offers a company-funded health savings account.
American Family offers two dental options administered by Delta Dental. All full-time and some part-time employees are immediately eligible to enroll in a dental plan. Like medical, you can enroll yourself and your dependents - a spouse, domestic partner and/or child(ren).
The first option is our Standard Plan which provides coverage up to $1,000 per year for each insured to cover such services as preventive, restorative, and surgical procedures. For a full-time employee (at least 30 hours per week), we pay 90 percent of your premium and share equally in the cost of your dependent coverage. For a part-time employee (25-30 hours per week), we pay 65 percent of your premium and 30 percent of your dependent premium.
The second option is our Extra Plan, which provides coverage up to $1,500, including orthodontics. We pay the same dollar amount towards your premiums as we do for the Standard Plan. You are responsible for the remaining premium.
American Family offers vision insurance though VSP Vision. All full-time and some part-time employees, along with your dependents (spouse or domestic partner and/or children) are eligible to enroll.
The plan provides coverage for exams, as well as frames, lenses and contacts. Other vision benefits are also available in the plan.
Since this is an optional plan, you pay the full cost for the coverage.
Group Legal Insurance
American Family provides pre-paid group legal coverage through Hyatt Legal Services. All full-time and some part-time employees, along with your dependents (spouse or domestic partner and/or children) are eligible to enroll.
The plan provides a variety of personal legal services for you, your spouse or domestic partner and your dependent children. Most covered services are provided at no cost beyond the monthly premium.
Since this is an optional plan, you pay the full cost for the coverage.
Our Group Life Insurance Plan, in the form of term life insurance, provides twice your annual base salary for all full-time and some part-time employees. Coverage is provided immediately upon hire at no cost to you.
American Family 401(k) Plan
The American Family 401(k) Plan offers you a great opportunity to save and invest in your future. The plan is funded by you and the company provides a match. All employees are eligible to participate in the plan, and newly hired employees are automatically enrolled. You can modify your investments and contributions at any time and contribute up to 30 percent of eligible earnings, or opt out if you don't wish to participate. You can even roll funds from another employer's qualified plan to your 401(k) account.
The company match is a fixed dollar-for-dollar match on the first 3 percent of eligible contributions and 50 cents per dollar on the next 2 percent. We offer a variety of investment funds to choose from, ranging from money markets to an international fund to target date retirement funds. Depending on the investment option you choose, you may be responsible for investment fees.
American Family also invests in your future with a Cash Balance Employee Pension Plan. All American Family employees age 21 or older become participants in the plan after one year of service. After three years of service, the benefit is fully vested and available for a future payment. The cash balance pension plan is a defined-benefit plan in which each employee has an account that is credited with a specific percentage of eligible pay each year, depending on age and years of service. The account grows with interest until the employee withdraws the balance upon retirement or leaving the company after becoming vested. Best of all, it's completely company funded and requires no contributions from you.
The Flexible Spending Plan allows you to save for eligible health care and dependent care expenses on a tax-free basis. All full-time and some part-time employees are immediately eligible to enroll (regardless of whether you enroll in medical or dental benefits) in one or both of the account options we offer: a Health Care Account and a Dependent Care Account.
Paid Time Off (PTO) Bank
At American Family, we understand the importance of achieving balance between our professional and personal lives. To allow you to make your own choices about your time off, we provide a Paid Time Off (PTO) Bank with a number of hours for you to use in any way you wish – for vacations, travel, family time and sick time off. The amount of time you have in your PTO Bank varies by your length of service; however, time continuously accrues in your bank, allowing you to use time off as you earn it.
Caring for those we love is an important part of our lives and American Family's parental leave program allows you to take the time you need to care for a new baby or an older parent. We offer new parents two weeks' of paid time off, and all employees are eligible for two weeks' paid time to care for an older parent with a serious health condition.
Holidays are special times of celebration with friends and family, and we offer eight paid holidays per year to employees. Holidays are not part of our PTO Bank but are available as a separate time off benefit. Your holiday schedule, and eligibility, may vary depending on your department and normal work schedule.
Short-term disability is another program that protects you financially. It replaces 100 percent of your income for up to eight weeks in the event that you can't work due to an injury, illness or personal health condition. After eight weeks, it replaces 70 percent of your income until the 90th day of a continuous absence. Short-term disability provides income protection from the eighth day to the 90th day of a continuous absence. All full-time and some part-time employees are immediately enrolled at no cost.
Maternity leave provides paid time off after the birth of a child. New mothers are eligible for eight weeks of paid maternity leave. The eight-week duration runs concurrently with our short-term disability benefit and is effective the day of birth.
Coverage under the long-term disability plan is available if you are unable to work due to injury, illness or personal health condition while actively employed. Our long-term disability plan will provide 60 percent pay replacement starting on the 91st day of a continuous absence. Full-time and some part-time employees are immediately eligible for long-term disability. Long-term disability is fully insured though Unum and is provided at no cost to all full-time and some part-time employees immediately upon hire.
American Family Insurance believes in the power of education and encourages continuous learning throughout our employees' careers. Every employee, regardless of position or location, can participate in learning opportunities offered by the Education Division. In addition, American Family pays for approved insurance industry courses.
Tuition Reimbursement Program
American Family also offers a Tuition Reimbursement Program to support your efforts in continuing your education and your professional and personal development. To be eligible, you must be a regular full-time, active employee or a defined or regular part-time active employee in good standing, with at least twelve consecutive months of employment at American Family Insurance.
The program covers not only tuition, but the cost of textbooks and qualifying educational fees. Full-time employees are eligible for up to $3,000 per year in tuition reimbursement, and part-time employees are eligible for up to $1,500 per year.
Flexible Work Arrangements
A little flexibility goes a long way—and American Family Insurance offers flexibility for our employees so that you can balance the needs of your personal life while meeting the needs of our customers.
Our flexible schedule options include:
- A 5-day/4-day schedule, in which you work five days one week and four days the next
- A 4-1/2-day work week
- Working outside the office intermittently
- Working from home on a regular basis (for certain roles)
Charitable Matching Program
Community involvement has always been a focus and priority at American Family Insurance, as it correlates directly with our company's mission – to inspire, protect and restore dreams. American Family will match any individual employee gift (up to $1,000) to United Way or any other 501c(3) non-profit (not including religious or political organizations), American Family Children’s Hospital and any two-or-four year academic institution.
That's in addition to the eight-hours of paid volunteer time employees receive annually. At American Family, we encourage community involvement - whether that's a financial gift or the gift of time, we want you to be active and proud of the community you live.
We value education as a way to achieve dreams and build our communities. Any dependent child of employees, agents or agent staff will be eligible to apply for a $2,500 scholarship that can be used on any two- or four-year accredited academic institution, and can be renewed annually up to four years ($10,000). The application and criteria includes at least a 2.5 grade point average (GPA), community or school involvement and an essay that describes how this scholarship will help the student achieve his or her dream.
Our Well-Being Program includes a partnership with Virgin Pulse to offer incentives, challenges and healthy fitness and nutrition options at work. We encourage all employees to participate, challenge one another and have fun while building a healthy balance in life.
Making a professional impression with our customers is very important. Our dress-for-your-day policy promotes a professional, yet comfortable, work atmosphere for our employees and customers.
Our Employee Assistance Program, Life Works, provides confidential help to you and your household members in resolving personal or work/life issues. This service is available to all employees and their household members at no cost for the first meeting/consultation. LifeWorks also offers a highly informative website with articles and tools to support you in a wide variety of your work/life needs.