On January 1, 2009, Farmers is launching Total Rewards. This is a total package that recognizes performance, contributes to your future financial security and offers valuable flexibility for our employees.

Here's a quick look at the major benefits available to employees of the Farmers Insurance Group of Companies^®:

• Retirement Plans: 401(k)Savings Plan and Cash Balance Program. Employer/employee funded plans.
• Medical Coverage: Multiple plans to suit your needs.
• Dental: Dental Plan provides diagnostic, preventative and other dental services.
• Vision: Vision plan provides eye examinations, eye glasses and contact lenses.
• Options Plus Accounts: Flexible Spending, Dependent Care Spending Accounts and Health Savings Accounts - reimburse you for health care and dependent care expenses with tax free dollars.
• Life Insurance: 1x your base pay, up to $500,000 company paid. Option to purchase up to 6x your base pay to a max of $3 million also available.
• Accident (AD&D) Insurance: Option to purchase up to 6x your base pay (to $1.5 million).
• Dependent Life Insurance: Spouse Life Insurance up to $100,000. Child Life Insurance up to $10,000.
• EAP: Employee Assistance Program provides counseling sessions and a 24-hour hotline to help you manage work and personal life.
• Long-Term Disability: Employer-funded plan that provides a monthly benefit equal to 60% of salary to eligible employees who become totally disabled.
• Short-Term Disability: Income replacement if you are on an extended medical absence up to 25 weeks.
• Paid Time Off: A pool of days to use for any reason, including, vacation, personal time, family illness and occasional sick days.

Lifelong Learning

When you become a Farmers employee, you're not just taking a job: you're embarking on a career…one in which lifelong learning plays a crucial role.

Farmers employees regularly participate in activities strengthening their professional and on-the-job skills and boosting their leadership potential.

Professional certification - a requirement for both tenure and advancement for many careers at Farmers - ensures career progress based on knowledge and performance.

Every employee is encouraged to participate in continuing education - and a select few are recognized each year for their achievements with a Farmers Continuing Education Award.