2024 Benefits Enrollment Guide - Frontline (Hawaii)

2024 Benefits Enrollment Guide

FRONTLINE (HAWAII)

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. Please refer to “New Plan for 2024.”

• 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:

• 100% coverage for routine preventive care under all medical options when you use a network provider, including routine physical exams, well-baby/child visits, immunizations, mammography screenings, and more.

• No cost or low-cost virtual visits for routine medical care, so you can “see” your doctor from the comfort and safety of your own home for a variety of issues, including colds, flu, anxiety, depression, migraines, and headaches.

• 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:

• You 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.

Enrollment Basics

New Hires/Rehires

Annual Benefits Open Enrollment

Your Benefits During a Leave of Absence

If You Do Not Enroll

Changing Your Elections During the Year (Qualifying Life Event)

How to Enroll

Enroll Online

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 Coverage/Participation Ends

Details About All Your Benefits

Medical Coverage

HMSA Hawaii

Kaiser Permanente HMO

Virtual Visits

Pharmacy Benefits

Dental Benefits

Vision Benefits

Health Care Flexible Spending Account (FSA)

Disability Benefits

Life & Accidental Death & Dismemberment (AD&D) Insurance

Naming a Beneficiary

Value Added Services

Supplemental Insurance

Cigna Healthcare Supplemental Health Solutions

Pre-Tax Commuter & Parking

Employee Assistance Program (EAP)

Pet Insurance

Identity Theft Protection

MetLife Personal Finance App

Legal Services

Marketplace Mall

Discounted Gym Memberships

ABM 401(k) Employee Savings Plan

Employee Stock Purchase Plan (ESPP)

New Plan for 2024

Directory of Resources

About This Guide

This Guide was created to assist you when you elect your benefits. That means it works for you:

• During annual benefits open enrollment for current team members,

• During your initial enrollment period when you first join ABM as a new hire/rehire, or

• When you experience a Qualifying Life Event (QLE) that allows you to make a change to your coverage (see Changing Your Elections During the Year).

It will also serve as a reference during the year when you have questions about your benefits.

The sections below will take you where you need to go:

• Enrollment Basics – Decide if you want to elect or waive Medical, Dental, and/or Vision coverage, as well as any other benefits that require an active enrollment election during annual benefits open enrollment or when you first become eligible. You’ll see when you’re allowed to make changes during the year. Choose to make your elections: online, using the app, or by phone.

• Participation – Determine if you and your dependents are eligible, as well as when your coverage begins and ends.

• Details About All Your Benefits – Get the specifics on all your benefits and use our charts to help you make your choices.

• Directory of Resources – Carrier phone numbers, websites, and policy numbers are available in one convenient location. Keep this directory handy for use throughout 2024.

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 30 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 30 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 section 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 Begins

Eligibility Event Coverage 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 30 days of consecutive 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 30 consecutive days of employment.

First of the month following the effective date of the change, provided you have at least 30 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

Type

▪ 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)

Ends

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.

Details About All Your Benefits

For additional information about the plans available to you, access the ABM Benefits Center at digital.alight.com/abm, login to the Alight Mobile app, or call 833.938.4635.

Medical Coverage

ABM provides a range of plans and contributions to ensure you can make choices that balance cost against other factors that are important to you.

As you consider your options, review the plan deductible (if any), copays, coinsurance, hospital benefits, prescription drug benefits, as well as the amount you pay for coverage each month. Selecting a plan with a higher deductible means that your monthly contributions may be less, but you may have to pay more when you receive care. As long as you are in an eligible class, the option you choose now will remain in effect through December 31, 2024, unless you experience a QLE (see Changing Your Elections During the Year).

HMSA Hawaii

If you select the HMSA plan, you must use HMSA’s exclusive network of providers to receive coverage. The copays shown in the chart on the following page represent the amount you will pay toward the cost. Under this plan, there is no coverage if you go outside the network for care, unless your event qualifies as an emergency or urgent care.

Out-of-Pocket Maximum Individual

$3,000 medical; $3,600 prescription Family

Physician Office Visits

$9,000 medical; $4,200 prescription

Wellness/Preventive No charge

Primary Care Physician

$20 copay

Specialist $20 copay

Urgent Care

Lab/X-Ray (in physician’s office)

Hospital Services

Inpatient

$20 copay

coinsurance, after deductible

coinsurance, after deductible Outpatient

coinsurance, after deductible Emergency Room

Mental Health/Substance Abuse

Inpatient

coinsurance, after deductible

coinsurance, after deductible

Outpatient $20 copay

Prescription Drugs (available only from in-network pharmacies)

Retail (30-day supply)

Tier 1

Tier 2

Tier 3

Tier 4

Tier 5

Mail Order (up to a 90-day supply)

Tier 1

Tier 2

Tier 3

$7 copay

$30 copay

$75 copay

$100 copay

$200 copay

$11 copay

$65 copay

$200 copay

Tier 4 Not covered

Tier 5 Not covered

Kaiser Permanente Hawaii HMO

If you select the Kaiser Permanente (Kaiser) plan, you must use Kaiser’s exclusive network of providers to receive coverage. The copays shown in the chart below represent the amount you will pay toward the cost. There is no coverage out-of-network unless your event is a qualified emergency or urgent care that cannot wait until a Kaiser provider is available. If you are visiting another Kaiser region, you can receive the same or similar benefits as your current location. Please go to kp.org/travel for more information.

Physician Office Visits

Wellness/Preventive No charge

Primary Care Physician

Specialist

Urgent Care

$20 copay/No charge for children 0-17 years

$20 copay

$20 copay

Chiropractic Care Not covered

Routine X-Ray/Radiology Services

In Physician’s Office

Hospital Services

Emergency Room

Mental Health/Substance Abuse

$10 copay or 20% of applicable charges for specialty labs/imaging

$100 copay per visit (waived if admitted)

Inpatient 10% coinsurance

Outpatient

Prescription Drugs

Retail – Supply Limit

Generic

Preferred Brand Name

Mail Order – Supply Limit

$20 copay

30 days

$10 copay (maintenance drugs $3 copay)

$35 copay

90 days Generic

Preferred Brand Name

$20 copay (maintenance drugs $6 copay)

$70 copay

Kaiser Permanente Hawaii HMO — In-Network

Virtual Visits (all plans)

Virtual visits allow you to consult with a doctor from your mobile device or computer. Most visits take about 10-15 minutes. In some cases, doctors may be able to write a prescription following your virtual visit.

Virtual care can be a great option when you’re a little sick or you’re not sure if you really need to go to the doctor. For instance, you can use it if you have flu-like symptoms. Or you could use it if your child has a sore throat. You can also talk with experienced, licensed psychiatrists and therapists about mental health needs, including anxiety, stress, workplace concerns, and insomnia. This care is available seven days a week, from the privacy of your home.

It also works well for managing some long-term health problems. And if you live far from a specialist, you can get regular follow-up care without having to go to the doctor’s office every time. Kaiser also offers services in addition to scheduled phone and video visits at a $0 cost, as well as a chat with a doctor, 24/7 nurse advice line, and E-Visits (online care to treat common conditions).

When to Use Virtual Visits

There are certain times when a virtual visit may make more sense than an in-office visit. Here are some examples:

• Your doctor is not available for an in-office visit,

• You become ill while traveling,

• You need help deciding between urgent care or emergency room care.

Virtual visits are not appropriate for:

• Anything requiring a physical exam or test,

• Complex or chronic conditions, or

• Injuries requiring bandaging or sprains/broken bones.

Conditions Commonly Treated Through a Virtual Visit

Copays for virtual care may vary based on the type of care you receive. The conditions for which you can request virtual care are constantly expanding. Be sure to check with your provider.

Doctors can diagnose and treat a wide range of non-emergency medical conditions, including the following:

• Anxiety/depression,

• Bladder infection/ urinary tract infection,

• Bronchitis,

• Cold/flu,

• Diarrhea,

• Fever,

• Gastrointestinal issues,

• Migraine/headaches,

• Pink eye,

• Rash,

• Sinus problems,

• Skin conditions,

• Sore throat,

• Speech therapy, and

• Stomachache.

How to Access Virtual Visits

Visit KP.org or download the app. Once logged in you can schedule your virtual care appointment. Your login credentials for the website and app will be the same.

Pharmacy Benefits (Kaiser)

Kaiser will generally cover brand-name (when no generic is available), generic, and specialty tier drugs listed on their formulary, as long as the drug is medically necessary, the prescription is filled at a Kaiser or participating network pharmacy, and other plan rules are followed. The formulary can be found at kp.org/pharmacy by selecting the HMO drug formulary for the region in which you reside. Prescriptions for nonformulary drugs may be filled at a Kaiser pharmacy, however, you should expect to pay the full retail cost unless your Kaiser doctor has received an exception for that drug and it is considered medically necessary.

Mail Order Services

There are thousands of participating pharmacies throughout the country to meet your retail prescription needs. You also have the option of using mail order services that provide the same quality you get from your local pharmacy with the convenience of home delivery and standard shipping at no cost to you. You may request same day or next day delivery at an additional shipping cost. If you have medications you take regularly, you could have lower out-of-pocket costs and greater convenience with the mail order pharmacy. Visit the carrier’s member portal to set up your mail order deliveries and obtain more information about the program. If you have questions regarding your prescription drug benefits, call the customer service number listed in this Guide and reference the Policy number shown on your ID card.

Dental Benefits – MetLife or Hawaii Dental Service

You may choose dental coverage for yourself and your eligible dependents, even if you do not elect ABM medical coverage. You may elect coverage through either MetLife or Hawaii Dental Service.

MetLife Plans

You may choose dental coverage for yourself and your eligible dependents, even if you do not elect ABM medical coverage. The dental plans are PPOs and use a MetLife Dental network, which means that when you use an in-network provider, you will pay less. You can select one of two plans, the Premium Dental Plan or the Standard Dental Plan. The chart below shows what you will pay for typical dental services and procedures under each plan.

Preventive (two cleanings & exams per year; one bite-wing x-ray per year; additional x-ray benefits for children)

Note: If you use an out-of-network provider, you will receive the same reimbursement percentage as shown above, but your provider will not be charging the discounted MetLife dental rates.

Hawaii Dental Service (HDS)

The Hawaii Dental Service plan requires you to receive care from an in-network provider. Out-of-network coverage is available, however, you will have to pay any out-of-pocket costs upfront, then submit a claim to HDS for reimbursement. Costs may be higher when seeking services from a non-participating provider. The HDS participating network is Delta Dental Premier in Hawaii and the mainland.

Hawaii Dental Service — In-Network Calendar Year Deductible

Coinsurance

Preventive 0%, no deductible*

Basic You pay approximately 30%, after deductible

Major You pay approximately 50%, after deductible

Orthodontia Not covered

* For other X-rays (full mouth), you pay approximately 30%, after the deductible. Note: You can find out the level of coverage for a specific dental procedure in advance of treatment. Simply ask your provider for a pre-treatment estimate to find out how much the plan will cover, as well as how much you will pay out-of-pocket.

Vision Benefits – EyeMed

You may choose vision coverage for yourself and your eligible dependents, even if you do not elect ABM medical coverage. Vision benefits are available to help you pay for the cost of caring for your family’s eyesight needs. The plan uses EyeMed’s Insight provider network, giving you many options for finding eye care, including Target, LensCrafters, and Pearle Vision. The chart below shows benefits available under the plan.

Exam Services (once every calendar year)

Exam at PLUS Providers

copay

copay

Fit and Follow-up – Standard $0 copay; contact lens fit and two follow-up visits

Fit and Follow-up – Premium

Frame (once every calendar year)

$0 copay; 10% off retail price, then apply $40 allowance

Any available frame at PLUS Providers $0 copay; 20% off balance over $250 allowance

$0 copay; 20% off balance over $200 allowance

Contacts (once every year in lieu of lenses)

Contacts – Conventional $0 copay; 15% off balance over $150 allowance

Contacts – Disposable

Contacts – Medically Necessary

$0 copay; 100% of balance over $150 allowance

copay; paid-in-full

Standard Plastic Lenses (once every calendar year in lieu of contacts)

to $40

to $40

When you see the icon above, you will know that you are accessing providers that offer even greater benefits.

to $100

to $120

Laser correction surgery discount: If you have laser correction surgery in-network, you will receive a discount of 15% off the retail price or 5% off the promotional price. This benefit is not available out-ofnetwork.

Retinal Imaging: Up to $39.

Discounted lens options are also available.

Health Care Flexible Spending Account (FSA) – WEX

The Health Care FSA lets you pay for eligible health care expenses with pre-tax dollars. (If you participate in the HSA, you may not also make contributions to the FSA.) Eligible expenses include health care costs that are not covered by your medical, dental, and vision plan, such as deductibles and copays.

Certain over-the-counter drugs are not eligible for FSA reimbursement without a doctor’s prescription. You can go to WEX’s website for a list of eligible expenses. For details on all FSA-eligible expenses, refer to IRS Publication 502 (https://www.irs.gov/forms-pubs-search?search=publication+502).

When you elect the FSA, you decide how much of each paycheck you want to contribute into your account before taxes are calculated. You may not change your contribution during the year unless you have a QLE. The annual amount you can contribute to your FSA is a minimum of $300, to a maximum of $3,200 for 2024.

Using Your FSA

When you open your FSA, WEX will send you a debit card. Use the card to pay for eligible expenses at your doctor’s office or at a pharmacy. For certain transactions, you may need to file a claim with WEX for reimbursement from your account, so you are always advised to keep receipts and records of your FSA purchases.

The FSA is considered a “Use It or Lose It” plan. That means that you must use all the money you contribute to the account in the year you contribute it or during the grace period. If you leave ABM, coverage ends on your last day of employment.

If your eligibility changes and you are no longer eligible for the plan, coverage will end on the last day you were in an eligible class; contributions will end at the end of the pay period in which you become ineligible. You may continue to submit claims for expenses incurred while you were a participant, as described in the next section.

Grace period for filing claims

You have a grace period for using up your FSA account funds. These rules apply:

• Expenses incurred during 2024 through March 15, 2025 can be filed for reimbursement up to June 15, 2025.

• If you leave ABM, you must file eligible FSA expenses within 31 days of the date upon which your employment ends. Eligible claims must be incurred while you were a participant in the FSA.

Please refer to the Health Care FSA SPD available on digital.alight.com/abm for details. You will not be allowed to change your election during 2024 unless you have a QLE.

Voluntary Short Term Disability* – Aflac

Short Term Disability coverage provides added financial resources that can help with medical costs or ongoing living expenses, such as rent, mortgage, or car payments if you become disabled. Here’s how coverage works:

• Benefits are paid when you are sick or hurt and unable to work, up to 60% of your salary (up to 40% in states with state disability). Partial disability benefits are also available.

• You elect a monthly benefit – from $300 to $5,000. All levels of coverage are automatically available, without providing evidence of your good health.

• You may only enroll when you first become eligible, during annual benefits open enrollment, or within 31 days of a QLE.

• Your contributions for coverage are paid through convenient payroll deductions.

• Coverage is portable, which means you can take it with you if you leave ABM, (provided ABM’s Master Policy remains active).

More information is available at digital.alight.com/abm

* If you elect coverage under this plan and are enrolled, you must average at least 16 hours of work per week in order to be eligible to claim benefits. Any contributions you have paid for coverage will not be refunded if your average hours drop below 16. It is your responsibility to drop coverage if your average weekly hours drop below 16.

Voluntary Life & AD&D Insurance*

Coverage for You

You may purchase Voluntary Life and AD&D Insurance for yourself in the following amounts:

• $10,000,

• $25,000, or

• $50,000.

Voluntary Life Insurance coverage provides financial protection to your beneficiaries if you die. AD&D coverage provides a benefit for a qualifying accident which results in the loss of limb(s) or eyesight. If you die in an accident, the AD&D coverage may pay an increased benefit.

Guaranteed Coverage Levels

NYL GBS lets you purchase Voluntary Life Insurance up to a specific amount without having to answer health questions (also known as providing Evidence of Insurability or EOI). This is referred to as guaranteed issue. You may request coverage higher than this amount and will be required to provide EOI, as shown in the chart below.

New Hires

Annual Open Enrollment

You may purchase 3 times your annual compensation, up to $1,000,000, rounded down to the next $25,000 increment, without providing EOI1

Current coverage holder:

You may increase $25,000, up to the Guaranteed Issue

New coverage holder: You may elect coverage but must provide EOI for any coverage elected

You may purchase $50,000 or 50% of team member coverage (whichever is less), up to a maximum of $250,000, without providing EOI1

Current coverage holder: You may elect coverage but must provide evidence of insurability for any coverage elected

New coverage holder: You may elect coverage but must provide EOI for any coverage elected

1 Amounts you elect exceeding the guaranteed issue shown above will require completion of an EOI form and are subject to approval by NYL GBS. Child life insurance is never subject to EOI.

Note that if you enroll or change your coverage amount due to a QLE, you may increase or elect new coverage by providing EOI.

Event Team Member Spouse

Important Life & AD&D Insurance Provisions

Accelerated Benefit

If you are diagnosed with a terminal illness while the coverage is active, with a life expectancy of 12 months or less, you may receive a portion of your Basic Life Insurance (and Voluntary Life Insurance for you and/or your spouse, if enrolled) benefit in a lump sum. Your death benefit will be reduced by any accelerated payment made. Certain limits apply.

Conversion Privilege

If your employment ends or you cease to be in an eligible class, you can convert all or a portion of your Life and/or AD&D (Basic, Voluntary, and Dependent) to an individual policy. Certain age limits apply. Premiums will increase at that time. Refer to your certificate located at the ABM Benefits Center on digital.alight.com/abm for details.

Naming a Beneficiary

Certain plans require you to name a beneficiary who will receive the benefit in the event of your death. It is important to keep your beneficiary designations up to date, particularly if you have a QLE that may change your family situation. You can update your beneficiary elections at any time at the ABM Benefits Center on digital.alight.com/abm.

Summaries of these plans can be found by accessing the ABM Benefits Center at digital.alight.com/abm.

Value Added Services – ComPsych

The services below are included with your Life Insurance, AD&D, and/or LTD coverage.

New York Life Employee Assistance and Wellness Support

(included with Life Insurance, AD&D, and LTD)

This benefit gives you:

• Three face-to-face counseling sessions,

• Five telephonic wellness coaching sessions,

• Assistance with crisis intervention and critical incident counseling, and

• Family care services, including customized research, referral, and educational support.

New York Life Financial, Legal, & Estate Support

(included with Life Insurance, AD&D, and LTD)

This benefit provides professional services, including free online will preparation (self-guided), unlimited financial guidance/information, unlimited access to legal experts, and referrals to local attorneys for a free 30-minute phone consultation and a 25% fee reduction thereafter.

Secure Travel Services (included with AD&D)

Secure Travel Services offers pre-trip planning, assistance while traveling, and emergency medical transportation benefits for covered persons traveling 100 miles or more from home. Phone service is available 24/7/365.

Supplemental Insurance* – Cigna Healthcare

Accidental Injury

Accidental Injury coverage is designed to help cover out-of-pocket expenses and extra bills related to an accidental injury. When you have an accident, Cigna Healthcare will provide cash benefits directly to you to help cover expenses that may not be fully covered by your medical insurance. You can select either the Low Plan or the High Plan. The benefits paid by the two plans are outlined below.

* If you elect coverage under these plans and are enrolled, you must average at least 16 hours of work per week in order to be eligible to claim benefits. Any contributions you have paid for coverage will not be refunded if your average hours drop below 16. It is your responsibility to drop coverage if your average weekly hours drop below 16.

Covered Injuries and Surgical Procedures

Tendon, Ligament, and Rotator Cuff

Dislocations (Separated Joint)

Fracture (Broken Bone)

$100 (exploratory);

$200 (repair)

Up to $2,500 (non-surgical) and $5,000 (surgical)

Up to $2,500 (non-surgical) and $5,000 (surgical)

$200 (exploratory):

$600 (repair)

Up to $3,000 (non-surgical) and $6,000 (surgical)

Up to $5,000 (non-surgical) and $10,000 (surgical)

Wellness Benefit:

As part of Accidental Injury insurance, you and your covered dependents can receive $50 (Low Plan) or $75 (High Plan) per calendar year per insured individual for receiving a covered health screening. Screenings include blood tests, chest x-rays, stress tests, mammograms, and colonoscopies. A full list of covered tests is available on digital.alight.com/abm.

Hospital Indemnity

Hospital Indemnity coverage pays a benefit when you are admitted to the hospital for a covered stay. This coverage is in addition to your medical plan to help you pay for the costs associated with a hospital stay. It can also be used to help pay the out-of-pocket expenses your medical plan may not cover, such as coinsurance, copays, and deductibles. The benefits paid by the plan are shown below:

Hospital Admission (per confinement, per calendar year)

Hospital Confinement (per day benefit)

Hospital ICU Confinement (per day benefit)

Critical Illness

$1,000

$200

$350

Critical Illness insurance is designed to help you offset the financial effects of a catastrophic illness with a lump sum cash benefit if you or a family member is diagnosed with a covered critical illness. The benefit paid by the plan is based on the amount of coverage in effect on the date of diagnosis of a critical illness or the date treatment is received according to the terms and provisions of the policy. You may elect this coverage without medical questions. The amount of coverage you may purchase is shown below:

• Team member – Increments of $10,000 up to $30,000.

• Spouse/domestic partner – Increments of $5,000, up to $15,000.

• Child(ren) – Increments of $5,000, up to $15,000.

Coverage is portable, which means you can take this plan with you if you leave ABM.

Conditions covered by this plan are shown below (paid at 100% of elected amount unless otherwise noted below):

• Cancer,

• Carcinoma in situ (paid at 25%),

• Heart attack,

• Coronary artery bypass surgery (paid at 25%),

• End stage renal (kidney) failure,

• Major organ failure,

• Permanent paralysis as the result of a covered accident,

• Coma as a result of severe traumatic brain injury (paid at 25%),

• Blindness,

• Benign brain tumor,

• Additional infectious conditions (paid at 25%): Bacterial Meningitis, Malaria, Tuberculosis, Necrotizing Fasciitis, and Osteomyelitis, and

• Additional covered conditions for dependent children: cerebral palsy, and cystic fibrosis.

Wellness Benefit:

As part of the Critical Illness insurance, you and your covered dependents can receive $50 per calendar year per insured individual for receiving a covered health screening. Screenings include blood tests, chest x-rays, stress tests, mammograms, and colonoscopies. The plan document and full list of covered tests is available on digital.alight.com/abm

Cigna Healthcare Supplemental Health Solutions

The services listed below are included with your Accidental Injury, Hospital Indemnity, and Critical Illness benefits — at no additional cost to you.

Mental Health Resources

Find expert advice and information about mental health issues. Free phone seminars are conducted by guest experts who can help you learn more about common issues, as well as offer coping techniques and support. Seminars are open you, parents, caregivers, and loved ones. Registration is not required. Visit Cigna.com/MentalHealth for the seminar schedule.

My Secure Advantage (MSA)

• Full-Service Financial Wellness Program – You and members of your household can work with a money coach for 30 days for help with basic money management, debt, saving for college or retirement, purchasing a home, marriage or divorce, loss of income, and a death in the family. Through an online portal, you can communicate with your money coach, view educational webinars, and access financial tools. To work with your money coach after the initial 30-day period, self-pay is $39.95 per month.

• Identity Theft Protection – Includes a free 30-minute consultation with a fraud resolution specialist and a fraud resolution kit for victims of identity theft. You can also learn how to better protect yourself from identity theft.

• Legal Consultations – Create and execute state-specific wills, powers of attorney, and other important legal documents online. Then use your legal consultation benefits to obtain a qualified attorney’s review.

Visit Cigna.MySecureAdvantage.com

Healthy Rewards®

Access to discounts on a variety of health and wellness areas, such as:

• Fitness club memberships and fitness devices,

• Meal delivery,

• Alternative medicine (acupuncture, chiropractic services, massage therapy, podiatry, physical and occupational therapy, etc.),

• Vision care, LASIK surgery, hearing aids, and

• Yoga products and virtual workouts.

Note: Some discount programs are only available at myCigna.com®. Visit myCigna.com for information on participating providers.

Pre-Tax Commuter & Parking – WEX

ABM provides a transit benefit, through WEX, that allows you to save money for commuter and parking-related expenses. With this benefit, you can use pre-tax dollars to pay for bus/subway/ferry tickets, passes, and tokens, vanpool fares, commercial parking, and commuter parking costs.

You are able to set aside pre-tax dollars from your paychecks, as follows:

• Mass transit/public transportation – Up to $315 per month.

• Parking expenses – Up to $315 per month.

Eligibility begins on the day you are hired; you may enroll as soon as administratively practicable. Enrollment must be done by visiting the ABM Benefits Center at digital.alight.com/abm

With WEX, you will be able to use your debit card (the same debit card as your FSA, if enrolled) at the kiosk to purchase a daily, weekly, or monthly pass, as needed. You may also use your debit card to automatically load a recurring pass with the transit authority.

Once your enrollment is loaded in the system and funds are reflected, you can begin to spend them.

If your election is made before the 15th of the month, it will be effective the first of the month following the date you make it (for example, an election made January 5th will be effective February 1st). If your election is made on or after the 15th of the month, it will be effective the first of the next month (for example, an election made January 15th will be effective March 1st).

Team members utilizing the SmartCommute program (Washington, D.C./WMATA area, Atlanta, Chicago, and San Francisco) will need to place orders for a monthly pass within the WEX system by the 10th of the month for the pass to be effective the first of the following month. This means you would need to place your pass order in the WEX SmartCommute system by January 10 in order to have your pass for February.

Note: Funds are not tied to a calendar year and can, therefore, be used to reimburse future qualified expenses, subject to certain limits.

IMPORTANT:

This program is subject to certain IRS rules and regulations and funds may only be used to reimburse qualified expenses. Refunds of unused funds are not permitted. If you terminate employment with ABM, you will forfeit any unused pre-tax funds.

Employee Assistance Program (EAP) –

TELUS Health (formerly LifeWorks)

(Full time team members only)

Your overall well-being and happiness depend on balancing your life at home and your life at work. To assist in achieving this balance, ABM encourages you and your family to ease the stress of challenging situations by contacting the EAP.

The EAP can help you address a wide range of work and personal issues. You and your eligible dependents may call the EAP 24/7/365 and speak to a client care representative who can assess your needs or concerns. You will then be eligible for up to six face-to-face, phone, or video sessions per issue per year. If additional sessions are necessary, you may negotiate discounted rates with your counselor.

You don’t need to enroll to use the EAP – you are automatically enrolled. Use of the EAP is 100% confidential and voluntary.

With the mobile app, you can access qualified support for your mental, physical, social, and financial well-being, at any time, from anywhere. Here’s how it works:

• Search for resources and tools on topics ranging from family and life to health, money, and work.

• Access well-being assessments and self-guided digital therapy programs.

• Take advantage of Perks, helping you save money on daily essentials and luxuries from top brands and retailers.

• Access noncritical moment support services to help:

▪ Achieve well-being,

▪ Manage relationships and family,

▪ Deal with workplace challenges,

▪ Tackle addictions,

▪ Find child/elder care services,

▪ Get legal advice,

▪ Get financial guidance,

▪ Improve nutrition, and

▪ Get support for your physical health.

You can reach the EAP by phone, web, or mobile app. There is no cost to you or your eligible dependents.

Pet Insurance – MetLife

With MetLife Pet Insurance, you can feel confident that the health of your pets and your wallet are protected if you’re faced with an unexpected trip to the vet. Coverage is available for accidents, illness, cancer, diabetes, and more.

Key features include:

• Flexible coverage, with up to 90% reimbursement.

• Freedom to visit any licensed U.S. vet.

• Optional preventive care coverage (for flea and tick treatments, spay and neuter, heartworms, teeth cleaning, and more).

• 24/7 access to Telehealth Concierge Services.

• Discounts and offers on pet care.

• Coverage of pre-existing conditions when switching providers.

In certain states, you can also cover exotic animals, including avian, reptiles, hamsters, rabbits, and more. This coverage is available for exams, diagnostics, treatments, and wellness.

• MetLife Pet mobile app to submit and track claims, manage your pet’s health and wellness, and find nearby pet services.

Here are easy instructions to participate.

A link is available on the ABM Benefits Center at digital.alight.com/abm that will redirect you to MetLife’s enrollment site. You will be asked to:

1. Select and enroll in the coverage that’s best for you and your pet.

2. Download the mobile app.

3. Take your pet to the vet.

4. Pay the bill within 90 days and submit it with your claim documents via the MetLife Pet mobile app, online portal, email, fax, or mail.

5. Receive reimbursement by check or direct deposit if the claim expense is covered.

Additional information is available at the ABM Benefits Center on digital.alight.com/abm

Identity Theft Protection – Norton LifeLock

Norton LifeLock Benefit Plans provides innovative security features and identity restoration services to individuals and families. Help protect your identity and devices with either our Benefit Essential or Benefit Premier plans. (Refer to the information on digital.alight.com/abm for details.)

This coverage provides:

• Device security – Access anti-virus software and multi-layered, advanced security to help protect devices against existing and emerging threats, including malware and ransomware.

• Online privacy – Protect your devices and help keep online activity and browsing history private. Privacy Monitor scans common public people-search websites to help you opt-out. And SafeCam alerts you and blocks attempts to access your webcam.

• Identity – Monitor fraudulent use of personal information and send alerts when a potential threat is detected.

• Home and Family – Take action to monitor your child’s online activity with easyto-use tools to set screen time limits, block unsuitable sites, and monitor search terms and activity history.

To enroll, you must setup both your phone number and email address on the ABM Benefits Center at digital.alight.com/abm at the time of enrollment. Please note that Norton LifeLock does not monitor all transactions.

Please visit: Norton.com/benefitplans to learn more.

MetLife Personal Finance App

The MetLife Personal Finance App has smart tools and customizable features that can help support your financial goals.

• Take an interactive financial assessment.

• Identify opportunities to reduce your monthly bills.

• Cancel unwanted subscriptions.

• Build personalized budgets.

Download the MetLife Personal Finance App from the App Store or Google Play today.

Legal Services – MetLife

This plan gives you a cost-effective way to access a network of experienced attorneys to help you and your family members with an array of legal matters.

With this service, you pay a monthly cost for coverage and receive no bills when you receive covered legal services.

Please keep in mind that if you elect Legal Services coverage, it will remain in effect throughout 2024.

This program is a good option for legal matters, including:

• Adoption,

• Bankruptcy,

• Debt collection defense,

• Digital estate planning,

• Divorce,

• Traffic citations,

• Trusts, and

• Will preparation.*

Certain issues can even be handled online.

There is no additional charge for consultations and no limit to the visits you may have during the year.

If you utilize an attorney who is outside the MetLife network, you will be reimbursed fees up to a specific maximum amount. Please call MetLife to request information about the fee reimbursement policy.

*Note that online access for state-specific wills is also a Value Added Service under New York Life Financial, Legal, & Estate Support (see Value Added Services –Com Psych), so you may already have access to a service that meets your needs.

Marketplace Mall – Beneplace

You have access to group discounts on a variety of voluntary insurance offerings so you can protect what matters most. Compare auto, home, renters’, and condo insurance rates from multiple insurance companies at once, so you know you’re getting the best rate. Plus, you can access thousands of exclusive discounts through ABM’s Marketplace Mall. It’s cost-free and simple to enroll.

This is your one-stop shop for savings on products, services, and experiences, with new deals added weekly in these categories:

• Auto/home and pet insurance,

• Healthy living,

• Fitness memberships and equipment,

• Nutrition and meal services/programs,

• Health supplies: glasses, contacts, skincare,

• Online therapy,

• Digital mental health support tools,

• Loans and refinancing,

• Tax preparation services,

• Real-estate,

• Investment tools,

• Cruises, hotels, and car rental, and

• Computers, laptops, and tablets.

Gym & Wellness Resources – Wellhub (formerly Gympass)

ABM has partnered with Wellhub to give you access to thousands of fitness facilities and a platform of digital wellness resources, with one single membership. With Wellhub, you can experience:

• Gym Network – Access to thousands of gyms and fitness facilities nationwide, with top brands including Life Time, LA Fitness, Barry’s Bootcamp, SoulCycle, and much more.

• Live Streamed Classes – Stream live fitness classes from the comfort of your own home, including yoga, strength training, Pilates, and HIIT.

• Virtual Personal Training – Take up to eight one-on-one training sessions per month to get personalized attention.

• On-Demand Wellness Content – Browse a library of 20+ app partners across fitness, meditation, mental wellness, and nutrition.

• Wellbeing Services Menu – Wellhub offers free monthly classes and introductory webinars to learn more about Wellhub.

For rates and more information, visit the website or download the Wellhub app. Use your ABM team member Unique ID to register for free and explore what Wellhub has to offer. Your Unique ID is your Employee ID. If you are a Legacy Able Services team member, your Unique ID is your Employee ID, preceded by the letter A (for example, A12345).

ABM 401(k) Employee Savings Plan – Merrill

ABM’s 401(k) Employee Savings Plan (the 401(k) Plan) is a simple and effective way to save for your future, defer taxes, and receive a generous ABM match.

You become eligible to make personal contributions beginning the first of the month following 30 days of employment. You become eligible for the ABM match beginning the first of the month following six months of employment. (This plan is not available in Puerto Rico.) If you are a rehired team member who previously qualified for the 401(k) Plan, you will qualify immediately upon rehire.

Two Contribution Types – You may choose to make traditional pre-tax contributions, Roth 401(k) contributions (new in 2023), or a combination of both. You can derive potential tax benefits now or later, depending on the option you choose.

• With traditional pre-tax contributions, you reduce your current taxable income and pay taxes on these contributions and their earnings at a later date.

• With after-tax Roth contributions, you pay taxes now, so you will not need to pay taxes on these amounts at a later date. And Roth earnings are generally tax-free if a qualified distribution is taken.

Both pre-tax and Roth contributions are subject to certain IRS limits each year. Consider whether your tax rate will be lower or higher in retirement to see which contribution type may be right for you.

Maximum Contribution Amount – You may defer (contribute) up to 50% of your eligible earnings once you are eligible for the plan, pre-tax, up to the annual IRS limits. The annual pre-tax limit for 2024 is $23,000. If you will reach age 50 in 2024 or are already older than 50, you can defer additional amounts called “Catch Up Contributions.” The annual catch up amount for 2024 is $7,500.

Company Match – In addition to your contributions, ABM will pay into your savings account if you choose to contribute to the account. ABM will match the first 3% and half of the next 2% of your eligible compensation that you contribute. To receive the maximum Company Match of 4%, you need to contribute 5% of your eligible compensation. For example, if you make $50,000 and contribute $2,500 (5%), ABM will contribute an additional $2,000.

Vesting – Your contributions and match are immediately vested. This means you have a non-forfeitable right to all money in your account.

Investment Options – Through Merrill, you have a variety of investment options. If you are not sure how to invest the money in your account, a Merrill representative can offer guidance.

One-Stop Account Management – Contact Merrill to enroll, see available investment options, change your contributions, change your investment elections, and designate a beneficiary.

Employee Stock Purchase Plan (ESPP) – Merrill (formerly

At ABM, you’re not just a team member. You can also be a Company owner! The ESPP is a convenient way to purchase ABM common stock through payroll deductions at a 5% discount. Once enrolled, you can purchase ABM common stock each month through payroll deduction (minimum 1%, maximum 10% of your base pay).

The Company provides a 5% discount on the stock price to team members. The price per share of stock will be 95% of the average of the high and low ABM stock price on the last trading day of any calendar month. Additionally, you save money because there is no commission charged to purchase the stock. Stock must be held for six months from the purchase date.

It's easy to set up access to your ESPP on Benefits OnLine® (see QR code).

• Go to Benefits OnLine at benefits.ml.com, select “Create your User ID now” and follow the prompts. You’ll need your Social Security number. If you already have a User ID and password for Benefits OnLine, you do not need to create new ones.

• Open the brokerage account you'll need for your ESPP. After you log in, select your ESPP’s name on the “Home” page and go to “Brokerage/Sell Shares.” Then, select “Open an Account” and follow the prompts. For more information about getting started, view your ESPP Guide, which is available in the “Documents” section of Benefits OnLine.

Eligibility and Plan details are explained in the ESPP Guide and the ABM Employee Stock Purchase Plan Prospectus, available at Benefits OnLine. You should read the Prospectus carefully before you decide to participate in the ESPP.

New Plan for 2024

Organ Donor Leave

ABM is proud to introduce a new policy to support full-time team members who choose to make a life-changing difference through living organ donation (including the donation of a partial lung, kidney, liver, or bone marrow). We want to ensure that our team members have the necessary support and time to recover and heal after such a generous act. You must have completed 30 days of continuous employment with ABM to be eligible for Organ Donor Leave.

You will receive up to a maximum of 13 continuous weeks of Organ Donor Leave at 100% of your base compensation, coordinated with other eligible disability benefits. The length of leave will be determined by the amount of recovery time required, as verified by a medical record or doctor’s note. Once recovery from the organ donation is complete, the entitlement to Organ Donor Leave will end.

You should provide at least 30 days advance notice of the organ donation procedure, or as soon as reasonably practical if advance notice is not possible, by submitting a request for a leave of absence with ABM.

A few important notes:

• Any disability coverage you have or are entitled to, including an ABM-enrolled plan, private, union, or state disability coverage, will be the first source of coverage for Organ Donor Leave. If eligible for disability coverage, you will be required to apply for any such disability coverage to be eligible for Organ Donor Leave.

• ABM will provide Organ Donor Leave benefits, if necessary, to reach 100% pay for the eligible period. As a result, if you do not receive any primary benefits, ABM will cover the full 100% benefit through the Organ Donor Leave. If the primary benefits only cover portions of the wages, then ABM will cover the difference to ensure you receive 100% of your base compensation during the Organ Donor Leave.

• There is no waiting period before Organ Donor Leave can begin.

• Available sick time or vacation time may be used for absences related to screening or evaluation in advance of the donation procedure or if the leave associated with organ donation lasts more than 13 weeks.

• Any family or medical leave entitlement under federal or state law will run concurrently with Organ Donor Leave.

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.