2024 Benefits Enrollment Guide - Basic

2024 Benefits Enrollment Guide

BASIC

This guide contains important information about the ABM Benefits Program for eligible team members. Please read it thoroughly.

Welcome to Benefits Enrollment for 2024

At ABM, we are committed to offering a wide range of affordable benefits plans that support your overall physical and mental health. In an environment where insurance costs are constantly on the rise, we’re doing everything possible to work with our insurance carriers to manage cost increases and minimize the impact on you. We continuously explore new and innovative solutions to enhance our offerings and better address the health and wellness needs of you and your family.

Annual Benefits Open Enrollment for Current Team Members

Action required: Benefits open enrollment is for ALL TEAM MEMBERS, including those who recently enrolled or made a change in coverage! You must take action if you are eligible for ABM-sponsored plans. Your current Medical, Dental, Vision, Health Savings Account (HSA), and Health Care Flexible Spending Account (FSA) coverage, if any, will end December 31, 2023. Be sure to enroll and get the coverage you want for 2024!

Enrollment for New Hires/Rehires

You have 31 days from your hire/rehire date to enroll. If you do not enroll, it is considered a waiver of coverage. See Enrollment Basics for more information.

Updates and Key Features for 2024

New Plan for 2024 – ABM announced in January a new leave program, briefly described below.

• Organ Donor Leave – Organ Donor Leave is available for all full-time U.S. team members, including those on the frontline, and provides 100% paid leave to team members who choose to make a life-changing difference for others through organ donation. The significance of a living organ donation decision is huge, and we want to ensure that our team members have the necessary support and time to recover and heal after such a generous act.

Focus on Physical and Mental

Wellness

– As part of ABM’s commitment to your health and wellbeing, we’re pleased to offer these plans and features for 2024:

• ABM will continue to provide an Employee Assistance Program (EAP) at no cost to you and your dependents. The EAP gives you access to professional counseling to help you balance your work and family demands.

• Routine dental care and eye exams will continue to be covered in full to help encourage you to maintain healthy habits.

• Additional wellness benefits that reward you for participating in routine health care activities are also available if you elect Cigna Healthcare’s Accidental Injury plan.

Other important benefits – ABM offers one of the most expansive benefits programs in the industry:

• Depending on your work status and location, you may have access to an array of choices for Disability and Life Insurance, Pre-Tax Commuter and Parking Benefits, Legal Services, Identity Theft Protection, Discounted Gym Memberships, Identity Theft Protection, Pet Insurance, ABM’s 401(k) Plan, Employee Stock Purchase Plan, and more.

This 2024 Benefits Enrollment Guide includes everything you need to understand your options and enroll. Enroll online in either English or Spanish at the ABM Benefits Center (digital.alight.com/abm) or use the Alight Mobile app.

IMPORTANT NOTICE REGARDING PLAN ACCESS

This Guide contains a general overview of all ABM’s benefits offerings. Depending on your work status and location, you may have access to some of these offerings. To see the benefits specifically available to you, please access the ABM Benefits Center at digital.alight.com/abm.

Rates are not included in this Guide and are shown when you go through the enrollment process.

Si necesita asistencia en español, por favor llame al centro de Servicio ABM al siguiente número 833.938.4635. Un agente que hable español le atenderá. Desde la página de inicio de Alight, haga clic en “Enroll Now,” haga clic en “Language Preferences” ubicado en la esquina superior izquierda, seleccione la opción para español, luego haga clic en “Save.”

Las tarifas no están incluidas en esta Guía y se muestran cuando realiza el proceso de inscripción.

Your Benefits During a Leave of Absence

If You Do Not Enroll

Changing Your Elections During the Year (Qualifying Life Event)

How to Enroll

Use the Alight Mobile App Contact the ABM Benefits Center

Eligibility & When Coverage Begins/Ends

Team Member Eligibility

Dependent Eligibility

If Your Spouse or Domestic Partner Works at ABM

When Coverage/Participation Begins When

Enrollment Basics

New Hires/Rehires

• You must enroll within 31 days of your hire/rehire date.

• Coverage will begin on the first of the month following 60 days of consecutive employment with ABM.

• Your elections will remain in effect through December 31 of the current year, unless you are no longer employed by ABM, are no longer in an eligible class, or experience a QLE (see Changing Your Elections During the Year).

• If you do not enroll during your initial enrollment period, you will not have another opportunity to enroll until the next annual benefits open enrollment, within 31 days of experiencing a change in eligible class, or within 31 days of a QLE.

• Failure to enroll is considered a waiver of coverage.

Annual Benefits Open Enrollment

• Annual benefits open enrollment is for all team members, including those recently enrolled based on being hired/rehired or who experienced a change in eligible class or QLE (see Changing Your Elections During the Year).

• IF YOU DO NOT ENROLL DURING ANNUAL BENEFITS OPEN ENROLLMENT, the chart on the following page shows what will happen to your benefits coverage.

• You may change your elections as often as you’d like during annual benefits open enrollment, November 7 – 21 (11:59 p.m. Central Time). The elections we have on file for you when the enrollment system closes will be considered your final elections and will be effective for the entire plan year (January 1 – December 31, 2024), unless you are no longer employed by ABM, are no longer in an eligible class, or experience a QLE.

• If you do not enroll during annual benefits open enrollment, you will not have another opportunity to enroll until the next annual benefits open enrollment, within 31 days of experiencing a change in eligible class, or within 31 days of a QLE.

• Failure to enroll is considered a waiver of coverage.

Your Benefits During a Leave of Absence

If you take a leave of absence, your benefits may be affected depending on the type of leave you take. To determine how your benefits are affected, refer to the applicable Summary Plan Description (SPD) located at the ABM Benefits Center on digital.alight.com/abm

If You Do Not Enroll

Plan Name

▪ Medical

▪ Dental

▪ Vision

▪ Health Savings Account (HSA)1

▪ Flexible Spending Account (FSA)

▪ Voluntary Short Term Disability2

▪ Voluntary Life & AD&D2, 3

▪ Accidental Injury2

▪ Critical Illness2

▪ Hospital Indemnity2

▪ Pre-Tax Commuter & Parking4

▪ Pet Insurance

▪ Identity Theft Protection2

▪ Legal Services

▪ Discounted Gym Membership5

▪ Employee Stock Purchase Plan (ESPP)4

▪ ABM 401(k) Employee Savings Plan4

▪ Basic Life & AD&D3

▪ Short Term Disability

▪ Long Term Disability

▪ Employee Assistance Program

▪ Marketplace Mall

What Happens If You Do Not Enroll

Coverage effective in 2023 will end December 31, 2023.

Participation effective in 2023 will end December 31, 2023.

If you are currently enrolled and still meet the eligibility requirements, your current election will carry forward and will be subject to the applicable 2024 rates.

Depending on your work status and location, you may be eligible for some or all of the benefits shown in the chart at left.

If you are offered these benefits automatically or are currently participating and still meet the eligibility requirements, your current benefits will carry forward to 2024. If you are newly eligible for any of these benefits, you will be enrolled automatically.

1 You may change or stop your contributions at any time. Any changes made mid-year will be effective the 1st of the month following when the change was initiated.

2 You may drop coverage at anytime without a QLE, however, you may not change or reenroll in coverage unless you experience certain changes in eligibility or a QLE.

3 You may update your beneficiary information at any time.

4 Once eligible, you may enroll, change, or stop contributions at any time.

5 You may enroll, change, or drop coverage at any time.

Changing Your Elections During The Year

Qualifying Life Event (QLE)

When you pay for benefits coverage using pre-tax dollars, the IRS dictates that you may only change these elections outside annual benefits open enrollment (or your initial enrollment period, if a new hire/rehire) if you have a QLE.

An eligible QLE includes:

• Birth, adoption, or the placement of a child for adoption,

• Marriage,

• Divorce or legal separation,

• Death of a dependent,

• A dependent loses or gains eligibility,

• A change in employment status for you or your spouse/domestic partner,

• You or your spouse enroll in Medicare or Medicaid,

• A court order requiring you to cover an eligible dependent, and

• A significant reduction of hours, such as full-time to part-time.

Any change in your coverage must be consistent with your eligible QLE. For example, if you have a baby, you may add your child to your medical coverage; you may not remove your spouse from coverage because of the birth of your child.

You will have 31 days from the date of the QLE to change your benefits. If the QLE is due to your entitlement or loss of entitlement for Medicare, Medicaid, or Children’s Health Insurance Program (CHIP), or due to a Special Enrollment Period under the Federal Marketplace, you have 60 days to change your benefits. If you miss this deadline, your next chance to make any changes will be during the next annual benefits enrollment period or within 31 days of experiencing another QLE.

How to Enroll

Enroll Online

Visit the ABM Benefits Center at digital.alight.com/abm.

• You will need to enter your User ID and Password.

▪ If you are a New User, simply click on “New User.” You will be asked to create a User ID that is at least 8 characters. Create and confirm a Password that is between 8-15 characters. (Passwords require 3 of these 4 elements: upper case letter, lower case letter, number, or special character.)

▪ If you forget either your User ID or Password, simply click on “Forgot User ID or Password.”

• To verify your identity, you will be asked to enter:

▪ The last four digits of your Social Security number (SSN).

▪ Your date of birth.

▪ Your five-digit zip code.

• Confirm security by selecting “Continue.”

• Create five security questions and answers, then click “Continue.”

• Review your benefit options, elect or waive coverage, review/update your beneficiary information (if applicable).

• Once you are satisfied with your elections, click “Complete Enrollment.” Note that your elections are saved as you go through the enrollment process and will be processed even if you do not click “Complete Enrollment.” If you elected any coverage that you do not want, you need to go back to those plans and decline coverage and/or remove dependents; otherwise, your enrollment will be processed based on the elections you entered. After clicking “Complete Enrollment” you have the option of printing your election choices by clicking the blue “Print This Page” button.

• If you have an email address on file, you will receive an email that includes a link to your secure mailbox on the portal. You may print this confirmation and/or save it to your device. If you don’t have an email address on file, go to digital.alight.com/abm and click on Health and Insurance at the top of the page. Then click “Your Coverage” under the Coverage Details column. You will then have the ability to view your elections.

Use the Alight Mobile App

Here are three ways to get the Alight Mobile app:

1. Text “Benefits” to 67426 (U.S. only)

2. Visit http://alight.com/app

3. Scan the QR code with your phone

Contact the ABM Benefits Center

If you need personal assistance, simply call 833.938.4635, Monday – Friday, 7 a.m. – 7 p.m. CT.

A representative will guide you through the enrollment process. You will be given a Case Number. Please write this down and use it if you have any questions or need additional assistance.

You can also communicate with the ABM Benefits Center via chat.

The ABM Benefits Center can assist via telephone in various languages.

Eligibility & When Coverage Begins/Ends

Team Member Eligibility

To determine if you are eligible for benefits and to see the specific benefits plans that apply to you, visit the ABM Benefits Center at digital.alight.com/abm, use the Alight Mobile app, or call the ABM Benefits Center. The ABM Benefits Center and Alight Mobile app will indicate the options available to you, if any, and the associated cost.

New Hires/Rehires: You must enroll within 31 days of your hire or rehire date. Coverage will begin on the first of the month following 60 days of consecutive employment with ABM.

Dependent Eligibility

The information below will help you determine if you have a dependent who qualifies to be enrolled as an eligible dependent. You will need to provide a Social Security Number (SSN) and date of birth for all dependents that you enroll, since all dependents enrolled in ABM’s benefits plans will be verified (see Dependent Eligibility Verification for more information).

Dependent coverage begins and ends when coverage for the team member begins and ends (unless otherwise noted), as described in When Coverage/Participation Begins/Ends.

Type of Dependent Eligibility Requirements1

Spouse Must be legally married to the team member.

Domestic Partner2 A person of the opposite or same sex with whom the team member has established a domestic partnership.

Child (biological, adopted, foster, or step-child) Under age 26.

Child of a Domestic Partner2 Under age 26

Child Covered Under a Qualified Medical Child Support Order (QMSCO) Order must be a QMSCO.

Disabled Child Aged 26 or Older3

Must be incapable of self-sustained employment because of physical disability, mental or cognitive disability, mental illness, or mental health disorder; dependent on the team member for a majority of his/her financial support and maintenance; live with the team member for more than half the year; and have been covered under the plan before age 26.

1 Unless otherwise noted in the flyer specific to the benefits plan.

2 Your share of the premium for coverage for a domestic partner and/or child(ren) of a domestic partner must be treated as after-tax. Further, the portion of the premium ABM contributes toward that coverage is subject to imputed income.

3 You will be required to complete a disabled dependent form for each benefit plan in which you enroll a disabled child who is age 26 or older.

Dependent Eligibility Verification

ABM is committed to providing affordable health care benefits for all team members and their eligible dependents. To ensure benefits dollars are equitably distributed amongst all team members, we must verify we are only paying the expenses of eligible dependents.

ABM has partnered with Alight to verify dependent eligibility. Please follow the instructions provided on digital.aight.com/abm or the Alight Mobile app when enrolling dependents. If your dependents have already been verified, they will not be required to go through this process during annual benefits open enrollment.

All dependent documentation must be provided to Alight, not ABM. You may upload documentation to the ABM Benefits Center or the Alight Mobile app. You may also fax documentation to Alight at 866.616.3558.

IMPORTANT: Any dependent not verified by the verification deadline date will be removed from coverage retroactively. Note that if you receive ID cards prior to submitting approved documentation, this does not indicate that your dependent(s) have been approved. If claims are incurred and paid by the plan prior to your dependent(s) being retroactively removed from coverage, you will be required to reimburse the plan the full amount paid.

If you have any questions regarding the dependent verification process, please call the ABM Benefits Center at 833.938.4635.

Social Security Number (SSN) Required for Enrolled Dependents

In order to comply with the Affordable Care Act of 2010, regulations from the Centers for Medicare and Medicaid Services (CMS), and carrier requirements, ABM is required to collect SSNs for all dependents enrolled in a Company-sponsored plan. This also helps ensure dependent claims are processed in a timely manner.

The collection and use of SSNs is limited by federal and state laws and regulations. When an SSN is used for protected health information (PHI), Health Insurance Portability and Accountability Act (HIPAA) privacy rules dictate who can collect the information, how it can be used, and with whom it can be shared. With these rules, collection of SSNs for reporting to the IRS and CMS are considered a legitimate and necessary use of the SSN under federal law.

If Your Spouse or Domestic Partner Works at ABM

If both you and your legal spouse or domestic partner are employed by ABM, you may each enroll as an individual or one of you may elect Employee & Spouse coverage, Employee & Child(ren) coverage, or Employee & Family coverage. If you elect coverage separately, you cannot cover each other as a dependent and your eligible child(ren) may only be covered by one of you.

When Coverage/Participation

Eligibility Event Coverage Begins

Begins

Team Members Elections you make during annual benefits open enrollment will take effect beginning January 1, 2024.

New Hires

Rehires

Change* in Eligibility1

QLE

First of the month following 60 consecutive days of employment with ABM.

First of the month following date of rehire if the break in service is not more than 90 days from the last date worked, provided you previously completed at least 60 consecutive days of employment.

First of the month following the effective date of the change, provided you have at least 60 consecutive days of employment. *Change from part-time to full-time, transfer to a different location or client, change from Staff/Management to Frontline, or vice versa, etc.

First of the month following the effective date of the event. For birth, adoption, or placement for adoption, coverage is effective on the date of birth, adoption, or placement.

When Coverage/Participation Ends

Ends

▪ Medical

▪ Dental

▪ Vision

▪ EAP

▪ Identity Theft Protection1

▪ Legal Services1

▪ Discounted Gym Memberships1

▪ FSA

▪ Short Term Disability

▪ Voluntary Short Term Disability

▪ Long Term Disability

▪ Basic Life & AD&D1

▪ Voluntary Life1

▪ Pre-Tax Commuter & Parking

▪ Marketplace Mall

▪ Voluntary AD&D1

▪ Accidental Injury1

▪ Critical Illness1

▪ Hospital Indemnity1

▪ Pet Insurance1

▪ 401(k)

Last day of the month in which you are no longer employed by ABM or are no longer in an eligible class.

At 11:59 p.m. the day you are no longer employed by ABM or are no longer in an eligible class.

At 11:59 p.m. the last day of the pay period you are no longer employed by ABM or are no longer in an eligible class.

At 11:59 p.m. the day you cancel coverage, are no longer employed by ABM, or are no longer in an eligible class.

Your contributions, if any, and corresponding matching contributions to the 401(k) end with your last paycheck, provided the annual limit has not been hit. You own all vested contributions in your account.

▪ ESPP ESPP contributions stop at the end of the month prior to leaving ABM. Any contributions deducted from a check issued after that time will be refunded to you.

1 You may be able to continue coverage for these plans after you terminate. Please contact the carrier.

Directory of Resources

Below is a directory of all benefits plans offered by ABM. Check your benefits materials for eligibility information. If you have questions, contact the administrator shown below.

ABM Benefits Center

833.938.4635 (phone)

866.616.3558 (fax)

Mon – Fri, 7 a.m. – 7 p.m. CT digital.alight.com/abm

Medical/Pharmacy – UHC

855.ABM.3456 or 855.226.3456

myuhc.com

Policy #743018

Network: Choice Plus

HSA – Optum Health Bank

866.234.8913

Optumbank.com

Medical/Pharmacy – Surest (Choice/Health)

866.683.6440

Benefits.Surest.com or Surest app

Group #78800282

Network: UHC Choice Plus

Medical/Pharmacy – Kaiser Permanente

California

800.464.4000 (English)

800.788.0616 (Spanish)

800.757.7585 (Mandarin/Cantonese)

my.kp.org/ABM

Northern California Policy #9038

Southern California Policy #102205

Colorado

800.632.9700

my.kp.org/ABM Policy #26937

Georgia

404.261.2590

my.kp.org/ABM Policy #9334

Hawaii

Oahu: 808.432.5955

Outside Oahu: 800.966.5955

my.kp.org

Policy #15043

Mid-Atlantic States

(Maryland, Virginia, Washington, D.C.)

800.777.7902

my.kp.org/ABM Policy #18284

Washington 888.901.4636

my.kp.org/ABM Policy #979600

Northwest (Oregon & Southern Washington State)

800.813.2000

my.kp.org/ABM Policy #14332

Medical/Pharmacy – Bay Bridge MEC

Bay Bridge Administrators

800.845.7519

bbadmin.com

Group #732 (Preventive Care)

Group #27974 (Hospital Indemnity)

Healthcare2U (virtual, primary, & urgent care visits)

800.496.2805

Multiplan PHCS (find a preventive care provider)

800.922.4362

multiplan.us

ProCare Rx (pharmacy)

855.828.1484

memberaccess.procarerx.com/account/login

Medical/Pharmacy – Highmark Life

90 Degree Benefits

800.969.5238

90degreebenefits.com

Group #440001

Medical/Pharmacy – HMSA

800.776.4672 hmsa.com

Policy #63394

Medical/Pharmacy – Medica

952.945.8000

medica.com/members Group #78800282

Network: UHC Choice Plus

Dental – MetLife

800.942.0854

metlife.com/mybenefits

Policy #305807

Network: PDP

Dental – Hawaii Dental Service

808.529.9248

Email: CS@hawaiidentalservice.com hawaiidentalservice.com

Policy #1588

Dental – Allied Dental

800.825.7531

Group #170064

Dental – WDS Delta Dental (King County)

800.554.1907

deltadentalWA.com

Group #00780

Network: PPO and Premier

Vision – EyeMed

866.800.5457

eyemed.com

Policy/Group ID #1018671

Network: EyeMed Insight

COBRA – UHC

866.747.0048

uhcservices.com

Disability, Life, & AD&D – NYL GBS

800.362.4462

888.842.4462

mynylgbs.com

Policy # varies by type of coverage

Value Added Services – ComPsych

NYL Employee Assistance and Wellness Support

(included with Life Insurance)

800.344.9752

guidanceresources.com

ID: NYLGBS

NYL Financial, Legal, & Estate Support (included with Life Insurance and AD&D)

800.344.9752

guidanceresources.com

ID: NYLGBS

Secure Travel Services (included with AD&D)

800.344.9752 guidanceresources.com

ID: NYLGBS

Voluntary Short Term Disability – Aflac

800.433.3036

aflacgroupinsurance.com Group #24523

Supplemental Insurance –Cigna Healthcare

Accidental Injury, Critical Illness, Hospital Indemnity

Claims/Questions:

800.754.3207, Option 2

CignaSupplementalHealthPlans.com

Policy # varies by type of coverage

Supplemental Health Solutions –Cigna Healthcare

(included with Cigna’s Supplemental Insurance)

Mental Health Resources

Cigna.com/MentalHealth

My Secure Advantage

833.920.3895

Cigna.MySecureAdvantage.com

Healthy Rewards

800.258.3312 myCigna.com

FSA/Commuter – WEX

866.451.3399

Claims Fax: 866.451.3245 wexinc.com

Employee Assistance Program (EAP) –TELUS Health

800.272.2727 one.telushealth.com

Username: ABM (ABMPR in Puerto Rico)

Password: MyEAP

Pet Insurance – MetLife

800.GET.MET8 or 800.438.6388 metlife.com/getpetquote

Identity Theft Protection – Norton LifeLock

800.607.9174

my.norton.com

Legal Services – MetLife

800.821.6400

Mon – Fri, 8 a.m. – 8 p.m. ET members.legalplans.com

Marketplace Mall – Beneplace

800.683.2886

abm.savings.beneplace.com

Gym & Wellness Resources – Wellhub wellhub.com/en-us Help Center: support.wellhub.com

ABM 401(k) Employee Savings Plan –Merrill

800.813.9323

800.228.4015

888.221.9867 benefits.ml.com

Employee Stock Purchase Program (ESPP) – Merrill

800.813.9323 benefits.ml.com

This Benefits Enrollment Guide is intended only to highlight some of the major benefits provisions of ABM’s benefits plans and should not be relied upon as complete detailed representation of these plans. Please refer to these plans’ Summary Plan Descriptions (SPDs) for further details. Should this Guide differ from the SPDs, the SPDs prevail. The benefits described in this Guide may be amended, changed, or terminated by ABM at any time without prior notice to, or consent by, team members. These benefits do not create a contract of employment between ABM and any team member, nor an obligation by ABM to maintain any particular benefits plan, program, or process.