2025 Benefits Enrollment Guide
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.
New offerings for Frontline team members, including:
• Voluntary Long Term Disability – You will be eligible to receive a portion of your monthly pre-disability earnings up to a maximum monthly benefit.
• Voluntary Life Insurance (VLI) for dependents – In addition to VLI coverage for yourself, you may now elect coverage for your spouse and child(ren). You may elect certain levels of VLI for your spouse without providing evidence of insurability; child options do not require evidence of insurability.
• Voluntary Accidental Death & Dismemberment (VAD&D) for dependents –In addition to VAD&D coverage for yourself, you may now elect coverage for your spouse and child(ren). All options are available without providing evidence of insurability.
New Hires/Rehires
Annual Benefits Open Enrollment
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 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
Vision
Life Insurance with Long Term Care
Pre-Tax Commuter & Parking
Employee Assistance Program (EAP)
Pet Insurance
MetLife Personal Finance App
Marketplace Mall
Gym & Wellness Resources
Employee Stock Purchase Plan (ESPP)
Directory of Resources
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.
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.
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.
Life Insurance with Long Term Care – Chubb
An innovative new program offered through Chubb allows you to purchase Life Insurance for yourself and your eligible family members, with the added bonus of Long Term Care coverage for you and your spouse.
There are several ways Life Insurance with Long Term Care can work: Use it as Life Insurance – Protect your family with money that can be used in the event of your death. You may also elect coverage for your spouse and/or child(ren).
Use it as Long Term Care (LTC) – If you become chronically ill (as defined by the plan), you can receive 4% your Life Insurance benefit during each month you receive LTC, up to 25 months. Note: The plan defines a Chronically Ill Individual as an Insured who has been certified by a Licensed Health Care Practitioner as: 1) being unable to perform, without substantial human assistance, at least two activities of daily living (bathing, continence, dressing, eating, toileting, and transferring) for a period of 90 days; or 2) the Insured has a severe cognitive impairment that requires substantial supervision to protect the insured from threats to his or her health and safety. Certification by the Licensed Health Care Practitioner of the Chronically Ill Insured must occur at least once every 12 months.
Coverage Options
You
Spouse
Child(ren)
$10,000
$25,000
$75,000
$100,000
$150,000
50% of team member’s coverage amount, to a maximum of $25,000
$5,000 - $25,000, in $5,000 increments
$150,000 (Guaranteed Issue)
Lesser of 50% of the team member’s coverage amount or $25,000
Lifetime Ages 19-70
Ages 19-60
$25,000 To age 26 15 days to age 26*
*Child coverage may be converted to individual coverage at age 26, up to five times the elected coverage amount. For example, if your child’s coverage amount was $10,000 before age 26, this may be converted to $50,000 of coverage after age 26, at the applicable contribution rate.
For more information about the plan and examples of how to use the benefits, please contact the ABM Benefits Center and request the detailed flyer for Life Insurance with Long Term Care.
Note: 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.
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.
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.
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.
