2026 Benefits Enrollment Guide
STAFF & MANAGEMENT (PUERTO RICO)
This guide contains important information about the ABM Benefits Program for eligible team members. Please read it thoroughly.
Welcome to Benefits Enrollment for 2026
2026 is going to be a great year for benefits at ABM. We’re still offering our innovative array of plans, but we’re making some incredible enhancements and strengthening many key features:
Free digital Tier 1 plan from Wellhub that includes 10 different premium resources, such as MyFitnessPal, Sleep Cycle, Meditopia, and GymLife. You can actually start using this digital plan immediately – no need to wait for 2026.
Instant approval on most levels of Voluntary Life Insurance coverage so you can elect or increase coverage amounts for you and/or your eligible dependents without answering medical questions.
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, 2025. Be sure to enroll and get the coverage you want for 2026.
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.
This 2026 Benefits Enrollment Guide includes everything you need to understand your options and enroll. Enroll online in English or Spanish at worklife.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, visit the ABM Benefits Center at worklife.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.
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
If Your Spouse or Domestic Partner Works at ABM When Coverage/Participation Begins
Value Added
Life Insurance with Long Term Care
Employee Assistance Program (EAP)
Pet Insurance
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 worklife.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 2026.
Enrollment Basics
New Hires/Rehires
• You must enroll within 31 days of your hire/rehire date.
• Coverage will begin on the first of the month coinciding with or following your hire/rehire date.
• 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 7 – 21 (11:59 p.m. Central Time). The elections we have on file for you when the enrollment system closes will be considered your final elections and will be effective for the entire plan year (January 1 – December 31, 2026), 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 on worklife.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
▪ Gym & Wellness Resources5
▪ 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 2025 will end December 31, 2025.
Participation effective in 2025 will end December 31, 2025.
If you are currently enrolled and still meet the eligibility requirements, your current election will carry forward and will be subject to the applicable 2026 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 2026. 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 new 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 open enrollment period or within 31 days of experiencing another QLE.
How to Enroll
Enroll Online
Visit the ABM Benefits Center at worklife.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 Service Center 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 with ABM, 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 with ABM, go to worklife.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 and choose the Alight Worklife option to register and make your benefit elections
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 worklife.alight.com/abm, use the Alight Mobile app, or call the ABM Benefits Center. The ABM Benefits Center and Alight Mobile app will indicate the options available to you, if any, and the associated cost.
New Hires/Rehires: You must enroll within 31 days of your hire or rehire date. Coverage will begin on the first of the month coinciding with or following your hire/rehire date.
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 each benefit plan.
2 Your share of the cost of coverage for a domestic partner and/or child(ren) of a domestic partner must be deducted on an after-tax basis. Further, the portion of the cost of coverage ABM contributes toward 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 worklife.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 worklife.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, 2026.
New Hires/Rehires First of the month coinciding with or following your date of hire.
Change in Eligibility First of the month coinciding with or following the effective date of the change, provided you have at least 30 consecutive days of employment. (Transfer to a different location or client, change from Staff/Management to Frontline, or vice versa, etc.)
QLE
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
▪ Gym & Wellness Resources1
▪ 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
day of the
▪ 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.
Last
month in which you are no longer employed by ABM or are no longer in an eligible class.
Medical Coverage – Triple-S
Your coverage will remain in effect through December 31, 2026, 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).
Triple-S — Medical and Pharmacy Benefits
Calendar Year Deductible
Individual
Family
Out-of-Pocket Maximum
Individual
Family
Physician Office Visits
Wellness/Preventive
Primary Care Physician
Specialist
Virtual Visits (routine)
Urgent Care
$0
$0
$6,350 (including prescription drugs)
$12,700 (including prescription drugs)
No copay
$10 copay; $0 copay at SALUS Clinics
$15 copay; $0 copay at SALUS Clinics
$10 copay
$15 copay
Lab/X-Ray/Radiology (in physician’s office) 25% coinsurance; 0% coinsurance at SALUS Clinics
Hospital Services
Inpatient
Outpatient Facility
Outpatient Professional Fees
Emergency Room
Mental Health/Substance Abuse
Inpatient
Outpatient
Prescription Drugs
Generic
Preferred Brand
Non-Preferred Brand
Preferred Specialty
Non-Preferred Specialty
$50 copay/admission at preferred hospital; $100 copay/admission at non-preferred hospital
$50 copay
No charge
$75 copay
$50 copay/admission at preferred hospital; $100 copay/admission at non-preferred hospital
$15 copay; $0 copay at SALUS Clinics
$5 copay; $10 copay mail order
$15 copay; $30 copay mail order
20% coinsurance, minimum $20; 15% coinsurance, minimum $40 mail order
20% coinsurance, maximum $100
20% coinsurance, maximum $100
Short Term Disability – The Standard (formerly NYL GBS)
ABM provides Short Term Disability benefits, at no cost to you. If you meet the disability definition, you may be eligible to receive a portion of your weekly salary, based on how long you have worked at ABM.
1A – Less than five years of service
2A – Five or more years of service
of your basic weekly earnings
up to 13 weeks
up to 13 weeks
Maternity: Regardless of your years of service, the plan provides 100% of your weekly earnings for up to 6-8 weeks, depending on type of delivery and physician certification, with no elimination period applied.
* Benefits may be coordinated with any state or other benefits you may receive. Other income may offset benefits.
A few important points:
• If you are absent from work due to sickness, injury, or pregnancy, notify your supervisor on the first day you are absent.
• If you are absent from work for more than seven consecutive days due to sickness, injury, or pregnancy, initiate your disability claim with The Standard.
• Benefits begin on the eighth consecutive day of disability. There is no benefit waiting period for maternity benefits.
• Benefits are coordinated with ABM’s Parental Leave.
Long Term Disability (LTD) – The Standard (formerly NYL GBS)
ABM provides LTD benefits, at no cost to you. You are automatically enrolled. If you meet the disability definition, you may be eligible to receive a portion of your monthly pre-disability earnings up to a maximum monthly benefit, as shown below. The duration of your benefits will depend upon your age at the time your disability begins.
* Benefits are coordinated with any state, Workers’ Compensation, Social Security, 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 three months prior to your effective date of coverage, you may not be eligible for LTD payments if you become disabled for that condition during the first 12 months after your LTD coverage is effective.
Basic Life & AD&D Insurance – The Standard
(formerly NYL GBS)
ABM provides Basic Life and AD&D Insurance, at no cost to you. You are automatically enrolled but you need to designate a beneficiary. These plans provide financial protection to your beneficiaries if you die or suffer certain accidental injuries. If you die in an accident, the AD&D coverage may pay an AD&D benefit to your beneficiaries in addition to the Basic Life Insurance benefit. (See page 34 for important information that pertains to both plans, including Imputed Income.)
Beginning at age 65, your Basic Life Insurance benefit will be reduced to a percentage of the original amount of coverage, as shown below.
Voluntary Life Insurance* – The Standard (formerly NYL GBS)
Special Enrollment Opportunity
During this Benefits Open Enrollment, you may apply for or increase your Voluntary and Dependent Life Insurance up to the guaranteed issue (GI) amount listed below with no medical questions asked. New hires are also offered this opportunity. Amounts elected above the GI will require medical history, also known as providing Evidence of Insurability (EOI), and are subject to approval by The Standard. If you elect or change coverage during the year due to a QLE, you will be required to provide EOI.
For You – Increments of $25,000, up to the GI amount of 3 times your annual compensation, up to a maximum of $1,000,000, rounded down to the prior $25,000 increment.
For Your Spouse – Increments of $10,000, up to the GI amount of $50,000, to a maximum of $250,000. Not to exceed 50% of the team member’s Basic Life Insurance amount.
* If you elect coverage under this plan and are enrolled, you must work at least 16 hours or more per week in order to be eligible for benefits. If your weekly hours drop below 16, it is your responsibility to drop coverage and be aware that any contributions you have paid will not be refunded.
For Your Child(ren) – $2,000, $5,000 or $10,000 (all guaranteed issue without EOI).
Able Legacy team members: See the important information on page 34.
Coverage for You
You may purchase Voluntary Life Insurance for yourself in $25,000 increments, subject to the following:
Coverage for Your Dependents
If you purchase Voluntary Life Insurance for yourself, you may purchase Voluntary Dependent Life Insurance for your spouse (in $10,000 increments) and/or child(ren), subject to the following:
Voluntary AD&D Insurance* – The Standard (formerly NYL GBS)
Coverage for You
You may purchase
the following:
Coverage for Your Dependents
If you purchase
* If you elect coverage under this plan and are enrolled, you must work at least 16 hours or more per week in order to be eligible for benefits. If your weekly hours drop below 16, it is your responsibility to drop coverage and be aware that any contributions you have paid will not be refunded.
Value Added Services
The services below are included with your Life/AD&D Insurance and/or Short Term Disability coverage.
Life Services Toolkit (provided by Health Advocate℠)
(included with Life/AD&D Insurance)
This benefit offers an array of services to you and your beneficiaries. There are various estate planning services available to you, such as will planning, funeral planning, and document drafting (power of attorney and advance directives). Your beneficiaries also have access to up to six face-to-face confidential grief support sessions, telephonic counseling, and individualized grief support kits.
This benefit also provides professional financial, legal, and estate services. These include free online will preparation, a 30-minute counseling session by phone with a certified consumer credit counselor or financial planner, unlimited telephone consultation with a legal advisor and a free 30-minute face-to-face consultation, and up to a 25% discount on legal services. For additional information and services, click here
Travel Assistance (provided by Assist America)
(included with Life/AD&D Insurance)
Travel Assistance can help team members and their families prepare for trips and during critical situations while away from home. The program can assist participants with finding qualified medical providers, legal services, or with the replacement of lost credit cards and passports. To learn more, click here
Health Advocacy (provided by Health Advocate℠) (included with Short Term Disability)
Health Advocacy can help you when you go out on a Short Term Disability claim. You can have a health care expert by your side — one person who can help make sense of your diagnosis, research treatment options, find the right medical professionals/facilities, untangle medical bills, and locate support services. To learn more, click here
Important Life & AD&D Insurance Provisions
Imputed Income (Basic Life Insurance only)
IRS regulations allow employers to provide up to $50,000 of life insurance to employees on a tax-free basis. If the life insurance ABM provides to you is more than $50,000, you will be taxed on the amount over $50,000. This is referred to as “imputed income.” The tax rate is determined by the IRS and based on your age as of December 31 of the current tax year. For example, Tom has employer-provided life insurance in the amount of $60,000 and will be 45 on the last day of 2026. This means he has $10,000 of coverage in excess of $50,000. Based on his age, the IRS requires that his imputed income be calculated at a rate of $0.15 per $1,000 ($0.15 x 10 = $1.50). Tom would pay taxes associated with $1.50 per month.
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 60 days from either of these events to continue all or a portion of your Life, AD&D (Basic, Voluntary, and Dependent), and/or Long Term Disability Insurance. The Standard will send a letter with options. In order to receive your letter within the 60-day timeframe, you must ensure your proper mailing address and termination date are on file with ABM. Certain age limits apply. Premiums will increase at that time. For additional information, refer to your certificate located at the ABM Benefits Center on worklife.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 worklife.alight.com/abm.
Life Insurance with Long Term Care – Chubb
An innovative 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. Note: If you have previously purchased this coverage for yourself, you will not be eligible to select additional coverage for yourself in 2026. However, if you have not previously elected coverage for yourself, your spouse and/or children, you may do so during the 2026 Benefits Open Enrollment period.
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 50 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.
Coverage Options
Spouse
Child(ren)
50% of team member’s coverage amount, to a maximum of $25,000
$5,000 - $25,000, in $5,000 increments
Lesser of 50% of the team member’s coverage amount or $25,000
$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 visit worklife.alight.com/abm and click on the Benefits Information tab. Click on Flyers to access a detailed brochure titled Life Insurance with Long Term Care. You may also click on Important Notices to access the Chubb California Consumer Privacy notice, the LTC Personal Worksheet, and the Chubb Request for Service form. The Request for Service form lets you change your name/address, request a certificate, make billing changes, and more.
Employee Assistance Program (EAP) – TELUS Health
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 worklife.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 worklife.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.
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 situations, including:
• Money matters
• Home & real estate
• Estate planning
• Family & personal
• Civil lawsuits
• Elder-care issues
• Traffic & other matters
With this plan, you pay a monthly cost for coverage and receive no bills when you receive covered legal services. You choose between the High Plan or Low Plan. A complete list of covered services can be found in the Legal Services Overview, available at worklife.alight.com/abm. Click on the Benefits Information tab and then click on Flyers.
There are no waiting periods, no deductibles, and no claims form when you use a network attorney for a covered matter. Network attorneys are available in person, by phone, or by email and online tools. You always have a choice in which attorney to use. You can choose from MetLife’s network of prequalified attorneys or use an attorney outside the network and be reimbursed a portion of the cost.
In addition, MetLife’s website provides you with the ability to create wills, living wills, and powers of attorney online in as little as 15 minutes. Answer a few questions about yourself, your family, and your assets to create these documents instantly. In state where available, you also have access to sign and notarize your documents online through our video notary feature.
Please keep in mind that if you elect Legal Services coverage, it will remain in effect throughout 2026, unless you experience a QLE.
Marketplace Mall – Beneplace
Enjoy access to exclusive group discounts on a wide range of voluntary insurance options—helping you protect what matters most. Easily compare auto, home, renters, and condo insurance rates from multiple providers all in one place to ensure you’re getting the best deal.
Through ABM’s Marketplace Mall, you can unlock thousands of special offers and savings, all at no cost to you. It’s your one-stop shop for discounts on everyday essentials, services, and experiences, with new deals added every week. Categories include: auto, home, and pet insurance; health and wellness programs; fitness memberships and equipment; meal services and nutrition plans; eyewear and skincare; online therapy and mental health tools; loan and refinancing services; tax and real estate services; investment resources; travel deals (cruises, hotels, and car rentals); electronics (computers, laptops, and tablets).
Gym & Wellness Resources – Wellhub
Wellhub gives you access to thousands of fitness facilities and a platform of digital wellness resources, with one single membership. There is also a “free tier” that gives you access to 10 different premium resources, such as MyFitnessPal, Sleep Cycle, Gym Life, and more. 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.
You can create a Wellhub account at any time during the year, not just during Benefits Open Enrollment. For rates and more information, visit the Wellhub 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
ABM’s 401(k) Employee Savings Plan is an effective way to save for your future, defer taxes, and receive a generous ABM match. You are eligible to make personal contributions beginning the first of the month following 30 days of employment. You are eligible for the ABM match beginning the first of the month following six months of employment. Rehired team members who previously qualified for the 401(k) Plan are eligible upon rehire.
Pre-Tax Contributions – With traditional pre-tax contributions, you reduce your current taxable income and pay taxes on these contributions and their earnings at a later date. Pre-tax contributions are subject to certain IRS limits each year.
Maximum Contribution Amount – Once eligible, you may contribute up to 50% of your eligible earnings on a pre-tax basis, up to the annual IRS limit.
Catch Up Contributions – If you reach age 50 in 2026 or are already older than 50, you can defer additional amounts called “Catch Up Contributions,” up to the annual Catch Up amount. If you are ages 60-63 in 2026, you are eligible for additional Super Catch Up Contributions.
Company Match – ABM will match the first 3% and half of the next 2% of your eligible compensation that you contribute. To receive the maximum Company Match of 4%, you need to contribute 5% of your eligible compensation. For example, if you make $50,000 and contribute $2,500 (5%), ABM will contribute an additional $2,000.
Vesting – Your contributions and match are immediately vested. This means you have a non-forfeitable right to all money in your account.
Investment Options – Merrill offers 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 – Go to Benefits OnLine at benefits.ml.com to enroll, see available investment options, change your contributions, change your investment elections, and designate a beneficiary.
Employee Stock Purchase Plan (ESPP) – Merrill
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 quarter through payroll deductions (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 purchase month (March, June, September, December). Additionally, you save money because there is no commission charged to purchase the stock. Below is the annual schedule for each offering period:
1 Modifications include a change in contribution percentage or an election to withdrawal/stop participation.
2 During lock-out period, you cannot make any elections (enrollment, change in contribution percentage or withdrawal) in the system.
3 Purchase will be on or around this date, if these dates fall on a weekend, it will be the Friday before the weekend.
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.
To amend, suspend, cancel or resume your contributions, visit benefits.ml.com, go to “Offering Summary” and select an option from the “Actions” dropdown menu.
Directory of Resources
Below is a directory of all benefits plans offered by ABM. Your eligibility information is available on the ABM Benefits Center. 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 worklife.alight.com/abm
Medical/Pharmacy – UHC (or UHC Charter)
855.ABM.3456 or 855.226.3456 myuhc.com
Policy #743018
Network: Choice Plus (or UHC Charter)
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 choose.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
Medical/Pharmacy – Triple S
800.981.3241
ssspr.com servicioalcliente@ssspr.com
Special Medical Programs
(Included with UHC, Kelsey-Seybold, & Surest)
2nd.MD
866.269.3534
2nd.md/abm
Hinge Health
855.902.2777
hinge.health/abmindustries help@hingehealth.com
Teladoc Health
800.TELADOC (800.835.2362)
teladoc.com (Registration code: ABM) help@teladochealth.com
Dental – MetLife
800.942.0854
metlife.com/mybenefits
Policy #305807
Network: PDP
Dental – Hawaii Dental Service
808.529.9248
hawaiidentalservice.com
CS@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 – The Standard
855.204.3126 for Standard Insurance Company (for all calls, except for NY)
855.204.3127 for The Standard Life Insurance Company of New York (for NY DBL) standard.com
Policy # varies by type of coverage
Value Added Services
Life Services Toolkit – Health Advocate℠ (included with Basic Life and AD&D insurance)
800.378.5742
English: standard.com/eforms/17526.pdf
Spanish: standard.com/eforms/17526spu.pdf
Travel Assistance – Assist America, Inc. (included with Basic Life insurance)
800.872.1414
English: standard.com/eforms/14684.pdf
Spanish: standard.com/eforms/14684spu.pdf
Health Advocacy (provided by Health Advocate℠) (included with Short Term Disability insurance)
844.450.5543
English: standard.com/eforms/18390.pdf
Spanish: standard.com/eforms/18390spu.pdf
Health Advocacy (provided by Health Advocate℠) (included with NY DBL Disability insurance)
844.450.5543
English: standard.com/eforms/18390.pdf
Spanish: standard.com/eforms/sny18390spu.pdf
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 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
888.851.7032
Puerto Rico: 877.847.4530 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
Download the Wellhub app
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. For positions covered by a union contract, wages and benefits are determined by the union contract and may differ from the benefits described here.
