2025 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 2025
At ABM, we are committed to offering a wide range of benefits plans that support your overall physical, mental, and financial wellbeing. For 2025, we will roll out an innovative program that couples life insurance and long term care, expand our wellness benefits, add features to certain medical plans that can help you manage medical conditions, and make it easier for you to get the life insurance coverage you need.
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, 2024. Be sure to enroll and get the coverage you want for 2025!
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 2025
An innovative new financial protection plan through Chubb called Life Insurance with Long Term Care that lets you use a portion of your Life Insurance benefit to pay for home health care, assisted living, and nursing home care.
Instant approval on most levels of Voluntary Life Insurance coverage so you can elect or increase your coverage amount without providing evidence of insurability.
Increased wellness benefits that reward you for participating in routine health care activities if you elect Cigna Healthcare’s Supplemental Insurance.
New features in our UHC and Surest Medical options to help manage Diabetes and assist with overall joint health.
A new medical option for the Greater Houston area that is similar to ABM’s current Gold option but offers in-network coverage only through the narrow Kelsey-Seybold network.
Continued focus on physical and mental wellness, including 100% coverage for routine preventive care under all medical, dental, and vision options, no cost or low-cost virtual visits, and the continued availability of our Employee Assistance Program (EAP).
Cost-sharing stability in our Medical Plan options, with no changes to copays, coinsurance, and out-of-pocket maximums across all Medical Plan options. No changes to deductibles for Gold option, Surest Choice, and Surest Health. Minor change to in-network deductibles for Silver option: individual deductible increasing by $100 and family deductible increasing by $200 (as part of the required increase for high-deductible plans).
This 2025 Benefits Enrollment Guide includes everything you need to understand your options and enroll. Enroll online in English or Spanish at 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 (During Benefits Open Enrollment)
Changing Your Elections During the Year (Qualifying Life Event) How to Enroll
Enroll Online
Use the Alight Mobile App Contact the ABM
Eligibility & When Coverage Begins/Ends
Team Member Eligibility
Dependent Eligibility
If Your Spouse or Domestic Partner Works at ABM When
Enrollment Basics
New Hires/Rehires
• You must enroll within 31 days of your hire/rehire date.
• In general, 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, October 8 – 22 (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, 2025), 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 (During Benefits Open Enrollment)
▪ 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)5
▪ ABM 401(k) Employee Savings Plan4
▪ Basic Life & AD&D3
▪ Short Term Disability
▪ Long Term Disability
▪ Employee Assistance Program
▪ Marketplace Mall
▪ Life Insurance with Long Term Care
Coverage effective in 2024 will end December 31, 2024.
Participation effective in 2024 will end December 31, 2024.
If you are currently enrolled and still meet the eligibility requirements, your current election will carry forward and will be subject to the applicable 2025 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 2025. If you are newly eligible for any of these benefits, you will be enrolled automatically.
You will not be allowed to elect coverage until the next Benefits Open Enrollment.
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.
• If you have already registered, you will need to enter your User ID and Password. If you have forgotten either your User ID or Password, simply click on “Forgot User ID or Password.”
▪ You will be prompted to enter the last four digits of your Social Security Number (SSN) and date of birth.
▪ You will then be prompted to enter your password. (If you do not remember your password, click “Reset Password.”)
▪ If you have established biometrics (fingerprint or face ID), you can choose the option to receive a notification on the Alight Mobile app to verify your identity.
• If you are a New User, click on “New User” and verify your identity. You will be asked to enter the last four digits of your Social Security number (SSN), your date of birth, and your five-digit zip code.
▪ Confirm security by selecting “Continue.”
▪ Choose your credentials by creating a User ID that is at least 8 characters. Create and confirm a Password that is between 10-64 characters. (Passwords require 3 of these 4 elements: upper case letter, lower case letter, number, or special character.)
▪ Create five security questions and answers, then click “Continue.”
▪ Create a phone PIN (6-20 digits) you will need if you call the ABM Benefits Center.
• 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 elections 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
Linking the App to Your Account
• In the app, choose the setup option.
• Sign in and agree to connect your device via an access code sent by text message.
• Enter the access code in the app to confirm your identity.
• Follow the directions on your device to set up your fingerprint or face identification.
• You will then be able to open the Alight Worklife site. Enter your user ID, choose the Login with Alight Mobile button, and use your mobile device to identify yourself to gain access.
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. In general, 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
Domestic Partner2
Must be legally married to the team member.
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.alight.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.
If you elect coverage for a new dependent, a letter will be mailed to you within three business days of adding the dependent. You will then have 30 days from the date you added the dependent to submit the required documentation. Documentation received after 30 days will not be considered. You can upload documents within 24 hours of adding a dependent on the Alight portal.
All dependent documentation must be provided to Alight, not ABM. You may upload documentation to the ABM Benefits Center at digital.alight.com/abm 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, please keep in mind these restrictions on electing duplicate coverage:
Medical, Dental, and Vision – 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.
Voluntary Life Insurance – You may each elect VLI coverage as an Employee. Alternatively, one of you may elect VLI coverage for yourself as an Employee and then elect Spouse coverage for your spouse/domestic partner. But neither of you are allowed to be covered as both an Employee and a Spouse. Further, if you and your spouse/domestic partner elect VLI separately, 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, 2025.
New Hires In general, the first of the month following 60 consecutive days of employment with ABM.
Rehires
Change in Eligibility
QLE
First of the month coinciding with or 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 coinciding with or 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 coinciding with or 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
▪ Medical/Dental/Vision
▪ EAP
▪ Voluntary Life1
▪ Voluntary AD&D1
▪ Life Insurance with Long Term Care1
▪ Accidental Injury1
▪ Critical Illness1
▪ Hospital Indemnity1
▪ Identity Theft Protection1
▪ Legal Services1
▪ Discounted Gym Memberships1
▪ FSA
▪ Short Term Disability
▪ Voluntary Short Term Disability1
▪ Long Term Disability
▪ Voluntary Long Term Disability1
▪ Basic Life & AD&D1
▪ Pre-Tax Commuter & Parking
▪ Marketplace Mall
▪ Pet Insurance1
Last day of the month in which you are no longer employed by ABM or are no longer in an eligible class.
▪ 401(k)
▪ ESPP
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 day you cancel coverage or are no longer in an eligible class. If you leave ABM, your coverage will not be cancelled, however, you should notify MetLife of your termination. Your current rates will continue through your policy anniversary date, unless you cancel coverage earlier.
Your contributions, if any, and corresponding matching contributions to the 401(k) end with your last paycheck, provided the annual limit has not been met. You own all vested contributions in your account.
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
Fax: 866.616.3558
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
Medical/Pharmacy – Triple S
800.981.3241
servicioalcliente@ssspr.com ssspr.com
Medical/Pharmacy – Kelsey-Seybold
Concierge: 713.442.2304
24-Hour Appointment Scheduling: 713.442.0000
After Hours Nurse Hotline: 713.442.0000
kelsey-seybold.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 my.kp.org/abm
California
English: 800.464.4000
Spanish: 800.788.0616
Mandarin/Cantonese: 800.757.7585
Northern California Policy #9038 Southern California Policy #102205
Colorado
800.632.9700
Policy #26937
Georgia
404.261.2590
Policy #9334
Hawaii
Oahu: 808.432.5955
Outside Oahu: 800.966.5955
Policy #15043
Mid-Atlantic States
(Maryland, Virginia, Washington, D.C.)
800.777.7902
Policy #18284
Washington 888.901.4636
Policy #979600
Northwest (Oregon & Southern Washington State)
800.813.2000
Policy #14332
Medical/Pharmacy – Bay Bridge MEC
Bay Bridge Administrators
800.845.7519
bbadmin.com
Preventive care: Group #732
Hospital indemnity: Group #27974
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 – 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
CS@hawaiidentalservice.com hawaiidentalservice.com Policy #1588
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
Life with Long Term Care – Chubb
Claims & policy questions: 855.241.9891
Fax: 603.352.1179
Claims: claims@gotoservice.chubb.com
Policy questions: csmail@gotoservice.chubb.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
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
Claims filing: myCigna.com
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
Voluntary Long Term Disability – NYL GBS
800.362.4462
888.842.4462
mynylgbs.com
Voluntary Short Term Disability – Aflac
800.433.3036
aflacgroupinsurance.com Group #24523
HSA – Optum Health Bank
866.234.8913
Optumbank.com
FSA/Commuter – WEX
866.451.3399
Claims fax: 866.451.3245
wexinc.com
Employee Assistance Program (EAP) –TELUS Health
800.272.2727
Puerto Rico: 866.229.2572 or 787.931.7693
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.
