2025 Benefits Enrollment Guide

FRONTLINE

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.

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 Surest Medical option 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.

Enrollment

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

If Your Spouse or Domestic Partner Works at ABM When

Begins

Dental

Vision Benefits

Disability Benefits

Life & Accidental Death & Dismemberment Insurance

Naming a Beneficiary

Value Added Services

Life Insurance with Long Term Care

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

Gym & Wellness Resources

ABM 401(k) Employee Savings Plan

Employee Stock Purchase Plan (ESPP)

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 changes to your coverage during the year (see Changing Your Elections During the Year).

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

This Guide includes the following information:

• 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. Choose to make your elections: online, using the app, or by phone.

• How to Enroll – Find instructions for enrolling using the website, via the Alight Mobile 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. For additional information about the plans available to you, visit the ABM Benefits Center at digital.alight.com/abm, login to the Alight Mobile app, or call 833.938.4635.

• Directory of Resources – Carrier phone numbers, websites, and policy numbers are available in one convenient location. The directory is located at the back of this Guide. Keep this directory handy for use throughout 2025.

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 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.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.

Medical Coverage

ABM provides a range of plans and contribution levels to ensure you can make choices that balance cost against other factors that are important to you. The option you choose now will remain in effect through December 31, 2025, 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).

Surest Health (for full-time team members only*)

This option allows you to shop for the best health care value. Whenever you need health care, you can use the Surest app on your smart phone to see all providers and care options in your area. The actual cost to you is displayed within the app, so there are no billing surprises. You can visit any provider you see and pay no more than the amount shown in the app, with no deductible. You will pay less when you use a provider in the network. Unique to Surest Health, you will also pay less when you select a higher value care option or provider, as indicated by a lower copay amount.

To learn more about Surest Health before making your decision, please scan the code to the right. You can explore your treatment costs, find providers, and experience the ease of Surest Health by visiting the pre-enrollment site at join.surest.com/ABM, access code: ABMChoice2025.

* Part-time team members who have met the minimum hour requirement under the Affordable Coverage Act (ACA) are considered full-time. Part-time team members who meet this requirement will be notified.

Medical and Pharmacy

Benefits – Surest Health

Highlights of the plan are shown in the following chart. All medical copays apply to the out-of-pocket maximum. Benefits for out-of-network services will be less than in-network. Out-of-network benefits can be found at digital.alight.com/abm by clicking “View Plan Details” on the plan’s enrollment section. A copy of the SPD is available on digital.alight.com/abm.

Surest Health — Medical and Pharmacy Benefits

Calendar Year Deductible

Out-of-Pocket Maximum

Individual

Family

Physician Office Visits

$8,000 (including prescription drugs)

$16,000 (including prescription drugs)

Wellness/Preventive No copay

Primary Care Physician

Specialist

Virtual Visits (routine)

Urgent Care

$45 - $150 copay1

$40 copay

$90 copay

Lab/X-Ray/Radiology (in physician’s office) No copay

Hospital Services

Inpatient

Outpatient

$400 - $5,500 copay1

$75 - $5,500 copay1

Outpatient Professional Fees No charge; included in outpatient copay

Emergency Room

Mental Health/Substance Abuse

Inpatient

Outpatient

$1,000 copay

$4,500 copay

$110 copay

Prescription Drugs (available only from in-network pharmacies)

Retail (31-day supply)

Tier 1

Tier 2

Tier 3

$25 copay

$90 copay

$200 copay

Tier 4 Specialty

Mail Order (90-day supply)

Tier 1

Tier 2

Tier 3

copay

$65 copay

$225 copay

$500 copay

Tier 4 Not covered

1 Surest Health uses copay ranges. Visit join.surest.com/ABM; access code: ABMHealth2025, to search for care and applicable copays.

Pharmacy Benefits – Surest Health

Your prescription drug benefits are provided under a Preferred Drug List (PDL). The PDL consists of four tiers with medications assigned to different levels based on cost and overall health value. Tier 1 is your lowest-cost option. Not all generic medications are placed in Tier 1 and not all brand medications are placed in Tiers 2 and 3. Some medications may be excluded from your benefit coverage. For Tier 4 specialty medications, you are responsible for a portion of the cost of the drug, depending on which plan you chose. We encourage you to discuss lower-cost options with your doctor. If you have questions regarding your prescription drug benefits, call the pharmacy customer service number on your ID card.

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.

Special Programs for Surest Health

When you participate in Surest Health, you will also have access to the programs below at no cost to you.

You will receive information directly from Surest Health, particularly if one or more of these programs is relevant to you or your family.

Teladoc Health

Depending on your health situation, you may receive information about one or more of these programs:

Diabetes Prevention – Take your first step toward a healthier tomorrow and reduce your risk of Type 2 diabetes. You’ll get access to a team of expert coaches, a library of online lessons, and a smart scale.

Diabetes Management – A personalized way to help manage diabetes. You’ll receive tools and support to track blood sugar levels and develop healthier lifestyle habits.

Hypertension Management – Take control of your heart health with guidance and a personalized plan. You’ll receive a smart blood pressure monitor that allows you to track your daily numbers, get support, set up reminders, and message a coach, all in one place.

Hinge Health

Hinge Health is a digital clinic for joint and muscle care. It gets people moving and keeps them moving to reduce unnecessary surgeries and opioid use. It allows you to take control of your pain, recover from injury, and even prepare for surgery.

Hinge Health physical therapists demonstrate your exercises and suggest modifications as needed, so you can exercise with ease.

2nd.MD

When you participate in Surest Health, you can receive medical consultations via 2nd.MD at no additional cost. 2nd.MD connects you with board-certified, elite specialists via phone or video, within days, from the comfort of your home.

If you receive a new diagnosis, suffer from a chronic condition, or may require surgery, their specialists can help.

Minimum Essential Coverage (MEC) – Bay Bridge

What is the purpose of a Minimum Essential Coverage (MEC) plan?

MEC plans are designed to offer a minimum level of coverage that starts by providing coverage for preventive/wellness care (as outlined in the Affordable Care Act “ACA”) and certain medical care, as well as savings on prescription drugs. Although reimbursement is provided for certain major medical issues, such as hospitalization, the reimbursement amount may be minimal in comparison to the overall cost you may incur. MEC plans are appropriate for people who want a basic level of coverage for things such as routine physicals, well-child care, and trips to a doctors’ office or urgent care center.

What is the difference between a traditional medical plan and the MEC plans?

There are many differences between the MEC plans and traditional plans. It’s important to understand them when making your choice as shown below.

Plan pays allowable $ reimbursement for preventive care or reimburses you directly for certain medical events

You pay remainder

After deductible, plan covers % of eligible cost

You pay remainder

How does reimbursement work with the MEC plans?

Suppose you’re in the Essential Premium plan and need to go to the emergency room. Assume your charges are $1,000. Your reimbursement is $200. You will pay the remaining $800. (See the chart on page 3 for reimbursement levels.)

How many MEC plans are available?

Three: Basic, Essential Plus, and Essential Premium.

How are the three MEC plans alike?

All MEC plans offer 100% coverage for preventive services and wellness care (as outlined in the ACA). And there are no deductibles to satisfy. Prescription drug benefits are also identical for each level.

How are the three MEC plans different?

The three MEC plans provide different levels of reimbursement. For example, for the 1st day of a hospitalization, the Basic plan provides no coverage, the Essential Plus plan provides $500 reimbursement, and the Essential Premium provides $3,200 reimbursement.

Does Bay Bridge issue hard copy ID cards?

Bay Bridge does not issue hard copy ID cards. ID cards are available electronically through The Health Wallet App. See the next page for how to access the app.

MEC Plans

Plans

Does

ABM subsidize the cost of any of the MEC plans?

In most cases, ABM subsidizes the cost of the Bay Bridge Basic and Essential Premium plans for full-time team members.

What types of services do the MEC plans cover?

The MEC plans provide health care services in these categories:

• Direct Primary Care (DCP) – Access through Healthcare2U. No ID card needed. Just call Healthcare2U to set up a visit.

• Prescription medications – Access through ProCareRx (separate ID card).

• Preventive care – Access through MultiPlan (separate ID card).

What do I need to do to see a doctor?

All care (except preventive care) must be coordinated through Healthcare2U or no benefit is provided. To reach Healthcare2U by phone: 800.496.2805. You have unlimited Direct Primary Care (DPC) visits with a $10 fee, You have unlimited urgent care visits with a $25 fee. Unlimited access to bilingual licensed medical providers online or by phone, 24/7/365 for minor illnesses and injuries at $0 out-of-pocket cost to members.

What are the benefits for preventive care?

All MEC plans provide complete coverage for preventive care at no cost to you. Preventive care covers services such as physical exams, well-child care, immunizations, screening mammograms, and PSA tests, along with many other services to keep you healthy.

Are prescription medications covered under the MEC plans?

All MEC plans offer discounted pricing for prescription drugs through ProCareRx. You will have access to discounted rates of up to 85% at over 65,000 retail pharmacies across the U.S.

How to Use the Health Wallet

The Health Wallet app is where you will find details on your health plan benefits and where you will access your ID cards.

• Open “The Health Wallet” App.

• To log in, enter your SSN or Member ID, along with your birthday.

• Once you are logged in, you will have immediate access to a suite of digital health benefits.

• Click to access your MEC, Pharmacy and Direct Primary Care ID cards as well as plan information and links to help you utilize your benefits.

Note: Bay Bridge does not issue hard copy ID cards. ID cards are available electronically through The Health Wallet App.

Wellness Care (ACA Preventive Services)

Annual physical exam, well child care, immunizations, screening mammograms, etc.

Doctor Visits & Urgent Care

Primary Care Visits

Virtual Visits

Doctor’s Office Visit –Diagnostic/Sick Care

Urgent Care Visits

Inpatient Hospital Benefits

1st

2nd

4th

Other Benefits

Emergency Room (illness and accident)

Prescription Drugs

Reimbursements are paid directly to the

Two

Four

Two visits per person

Four per family per year

visits)

Virtual Visits (Surest Health and MEC)

ABM’s Medical Plan options cover virtual visits that 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 or send you to a lab for tests.

Virtual care can be a great option if, for instance, 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).

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

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 complex or chronic conditions, and injuries requiring bandaging or sprains/broken bones.

Conditions Commonly Treated Through a Virtual Visit

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,

How to Access Virtual Visits

• Migraine/headaches,

• Pink eye,

• Rash,

• Sinus problems,

• Skin conditions,

• Sore throat,

• Speech therapy, and

• Stomachache.

Surest Health: Log into the Surest app or website, search “virtual visit,” then register to request an appointment. Once you are registered, you can schedule your virtual care appointment. MEC: Log into your Health Wallet and follow the instructions.

Dental Benefits – MetLife

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 the MetLife Dental network, which means you will pay less when you use an in-network provider. 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)

crowns, root canals)

(adults and children)

charge; no deductible applied

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.

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.

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

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

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

Contacts – Medically Necessary

copay; paid-in-full

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

copay

to $40

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.

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 Long Term Disability* – New York Life Group Benefit Solutions (NYL GBS)

If you meet the disability definition, you will be eligible to receive a portion of your monthly pre-disability earnings up to a maximum monthly benefit, as shown in the chart below. If you elect coverage when you first become eligible, you will not be required to provide Evidence of Insurability (EOI). If you elect coverage at a later date, you will be subject to this requirement.

Varies depending on your exact age when your disability began

* Benefits are coordinated with any state, Workers’ Compensation, or other benefits you may receive. Other income may offset benefits.

A few important points:

• Benefits begin after 90 days of disability.

• If you had symptoms or received treatment or medication for any condition during the six months prior to your effective date of coverage, you may not be eligible for VLTD payments if you become disabled for that condition during the first 12 months after your VLTD coverage is effective.

Voluntary Life Insurance* – NYL GBS

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.

Coverage for Your Dependents

If you elect Voluntary Life for yourself, you may purchase Voluntary Life for your spouse and/or child(ren), subject to the following limits:

To age 19

To age 26 if the child is primarily supported by you

Age 19 or more and meets the requirements of a disabled dependent child

Rates are listed for each benefit plan as you go through the enrollment process. Deductions will be taken from your paycheck on an after-tax basis.

Guaranteed Coverage Levels

New for 2025 enrollment, NYL GBS is offering an opportunity to purchase Voluntary Life Insurance without having to answer health questions (also known as providing Evidence of Insurability or EOI). This is referred to as guaranteed issue.

When you enroll or increase current coverage for 2025, these are your guaranteed issue amounts:

Team Member – You may purchase up to $25,000 without providing EOI.

Spouse – You may purchase up to $25,000 without providing EOI.

Amounts you and/or your spouse 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.

IMPORTANT: Legacy Able team members with existing coverage with NYL GBS should read the important information below.

Important Information for Legacy Able Team Members

If you are a Legacy Able team member and currently have Voluntary Life Insurance coverage through NYL GBS, please read this important information!

If you make any changes to your Voluntary Life and/or Voluntary Dependent Life Insurance coverage, you will select from ABM’s Voluntary Life and/or Voluntary Dependent Insurance options and will be subject to the rules in place for those plans. You will need to take the steps to complete new beneﬁciary designations. Note: You cannot change your personal coverage without changing your dependent coverage, and vice versa.

IMPORTANT: Once you move from Able’s coverage options to ABM’s coverage options, you will not be allowed to revert to your Able coverage in the future. That means your current Able coverage will be terminated and your only coverage options will be through ABM.

Voluntary AD&D Insurance* – NYL GBS

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.

Coverage for Your Dependents

If you elect Voluntary AD&D for yourself, you may purchase Voluntary AD&D for your spouse and/or dependent child(ren), subject to the following limits:

Spouse

Child

$10,000, $25,000, $50,000, or 100% of team member’s VAD&D

The lesser of $50,000 or 100% of team member’s VAD&D

$2,000, $5,000, $10,000 $10,000

To age 70

To age 26

Age 26 or more and meets the requirements of a disabled dependent child

Rates are listed for each benefit plan as you go through the enrollment process. Deductions will be taken from your paycheck on an after-tax basis.

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.

Portability and/or Conversion Privilege

If your employment ends or you cease to be in an eligible class, you have 62 days from either of these events to continue all or a portion of your Life and/or AD&D (Basic, Voluntary, and Dependent). NYL GBS will send a packet with options. In order to receive your packet within the 62-day timeframe, you must ensure your proper mailing address and termination date are on file with ABM. If you have questions or need assistance in completing the application, call NYL GBS at 1-800-423-1282. Certain age limits apply. Premiums will increase at that time. For additional information, 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 designation at any time or find summaries of these plans on the enrollment portal 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.

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.

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. Benefits increase by 25% if your accident occurs during an organized sporting event.

* If you elect coverage under any of 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)

(repair)

(surgical)

to $2,500 (non-surgical) and $7,500 (surgical)

(exploratory)

(repair)

(surgical)

to $5,000 (non-surgical) and $15,000 (surgical)

Wellness Beneﬁt: As part of Accidental Injury coverage, you and your covered dependents can receive $50 (Low Plan) or $75 (High Plan) per calendar year per insured individual for receiving a covered dental exam, vision exam, or 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. It can also be used to help pay out-of-pocket expenses your medical plan may not cover, such as coinsurance, copays, and deductibles. Benefits paid by the plan are shown below:

Hospital Admission (per confinement, per 60 days)

Hospital Confinement (per day benefit, up to 15 days per confinement, per 90 days)

Hospital ICU Admission (per confinement, per 60 days)

Hospital ICU Confinement (per day benefit, up to 15 days per confinement, per 90 days)

Hospital Observation Stay (per day, up to 72 hours total; 24-hour elimination period required)

Critical Illness

$1,000

$200

$1,350

$350

$50

Wellness Beneﬁt:

As part of Hospital Indemnity coverage, you and your covered dependents can receive $50 per calendar year per insured individual for receiving a covered dental exam, vision exam, or 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

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

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.

Critical Illness coverage includes a $3,000 Pandemic Infectious Disease benefit payable when you are admitted to and confined in a hospital due to any Pandemic Infectious Disease (PID) hospitalization, including COVID-19.

Covered conditions paid at 100% of elected amount include: cancer, heart attack, heart wall formation, end stage renal (kidney) failure, major organ failure, sickle cell anemia, permanent paralysis as the result of a covered accident, coma as a result of severe traumatic brain injury, blindness, and benign brain tumor. Additional covered conditions for dependent children: cerebral palsy, and cystic fibrosis.

Covered conditions paid at 25% of elected amount include: advance heart failure, aortic and cerebral aneurysm, pulmonary embolism, coronary artery bypass surgery, carcinoma in situ, Crohn’s disease, advanced obesity, bacterial meningitis, malaria, tuberculosis, necrotizing fasciitis, severe sepsis, and osteomyelitis.

Wellness Beneﬁt:

As part of Critical Illness coverage, you and your covered dependents can receive $50 per calendar year per insured individual for receiving a covered dental exam, vision exam, or 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 that lets you save money on commuter and parkingrelated expenses. You can use pre-tax dollars to pay for bus/subway/ferry tickets, passes, and tokens, vanpool fares, commercial parking, and commuter parking costs. Set aside pre-tax dollars from your paychecks, as follows:

• Mass transit/public transportation – Up to $325 per month.

• Parking expenses – Up to $325 per month.

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

Use your debit card (the same debit card as your FSA, if enrolled) at the kiosk to purchase a daily, weekly, or monthly pass. Or 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.

If you use the SmartCommute program (Washington, D.C./WMATA area, Atlanta, Chicago, and San Francisco), place your order for a monthly pass by the 10th of the month for the pass to be effective the first of the following month. (You would need to place your order by January 10 in order to have your pass for February.)

Note: Funds are not tied to a calendar year and can 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 2025.

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.

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 costfree 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,

• Glasses, contacts, skincare,

• Online therapy,

• Digital mental health support tools,

• Loans and refinancing,

• Tax preparation services,

• Real-estate services,

• 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 team member, your Unique ID is your Employee ID, preceded by the letter A (for example, A12345).

ABM 401(k) Employee Savings Plan – Merrill

Depending on your work status, location, and inclusion under a Collective Bargaining Agreement (CBA), you may have access to the 401(k) Plan described in this section. Contact Merrill for eligibility information.

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, 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 2025 is $23,500. If you will reach age 50 in 2025 or are already older than 50, you can defer additional amounts called “Catch Up Contributions.” The annual catch up amount for 2025 is $7,500.

Company Match – In addition to your contributions, ABM may pay into your savings account if you choose to contribute to the account. Matching contributions, if any, from ABM will help your savings grow at an even faster rate.

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 Computershare)

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.

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.