2027
Benefits Enrollment Guide FRONTLINE NATIONAL
This guide contains important information about the ABM Benefits Program for eligible team members. Please read it thoroughly.
G-FLN 9.14.26
Welcome to Benefits Enrollment for 2027 At ABM, we’re continuing our commitment to benefits that support your physical, mental, and financial wellbeing. Even as health care costs rise nationwide, we’re proud to maintain competitive, high-quality, and accessible coverage for our team members.
2027 Health Care Costs For 2027, Medical contributions will increase by no more than 5%, and ABM will continue to absorb the majority of the cost to keep coverage accessible. Dental contributions will increase slightly, while Vision contributions will decrease. There are no changes to copays, coinsurance, or out-of-pocket maximums across our Medical Plans. The only plan design update is a $100 increase to the individual deductible for the Silver Plan to maintain High-Deductible Health Plan (HDHP) eligibility under IRS rules.
Upgraded Vision Benefits Through VSP Our new Vision Plan brings expanded coverage and valuable enhancements, including: • Prescription safety glasses for eligible team members • $0 copay eye exams for standard and premium lens wearers • Standard progressive lenses covered in full • Retinal screenings covered in full for members with diabetes • Higher frame allowances at select providers • 50% off a second pair at Visionworks • Coverage for nonprescription sunglasses and blue light filtering glasses • Additional urgent eye care visits • Hearing aid discounts up to 60%, plus complimentary batteries
Expanded Employee Assistance Program (EAP) Our enhanced EAP through ComPsych now includes legal and financial services alongside worklife support. Team members can access resources such as legal consultations, financial guidance, and even a simple will—at no cost.
More Coordination With Merrill Accounts Bank of America will administer ABM’s Health Savings Accounts (HSAs), creating a more seamless experience with Merrill 401(k) and ESPP investment accounts.
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Welcome to Benefits Enrollment
New Coverage Under UHC Options Infertility benefits will increase to $15,000 per year.
New Coverage Under Kaiser Plans Kaiser’s Standard and Virtual Complete plans will now include coverage for chiropractic care and hearing aids, expanding support for comprehensive wellness.
Our Continued Commitment to Health and Well-Being We’re proud to offer a wide range of programs and resources designed to support your overall health: • 100% coverage for preventive care under medical, dental, and vision plans • Low-cost or no-cost virtual care options • Wellness incentives through Cigna Supplemental Health • Free access to the Wellhub Digital Tier 1 plan, including MyFitnessPal, Sleep Cycle, Meditopia, and GymLife • Specialized support programs for diabetes, hypertension, joint health, family planning, menopause, and expert second opinions So take a moment to explore your 2027 Benefits Enrollment Guide and choose the options that support you and your family best. As always, ABM remains focused on offering competitive benefits that help you care for yourself and your family while supporting your long-term financial health. Thank you for all you do each day, and we encourage you to review your options carefully during Benefits Open Enrollment.
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, 2026. Be sure to enroll and get the coverage you want for 2027.
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 2027 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.
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Welcome to Benefits Enrollment
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 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.
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Important Notice Regarding Plan Access
Contents 6 About This Guide 7 7 7 8 8 9 9 10 10 11 11 11 12 12 12 13 14 14 15 25 27 28 30 31
Enrollment Basics
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) Verification of Name and Social Security Number for Tax Reporting
How to Enroll
Enroll Online Use the Alight Mobile App Contact the ABM Benefits Center Updating Your Social Security Number and/or Name
Eligibility & When Coverage Begins/Ends
Team Member Eligibility Dependent Eligibility If Your Spouse or Domestic Partner Works at ABM When Coverage/Participation Begins When Coverage/Participation Ends
Medical Coverage Health Savings Account (HSA) Dental Benefits Vision Benefits Health Care Flexible Spending Account (FSA) Life Insurance with Long Term Care Supplemental Insurance
32 34 Cigna Healthcare Supplemental Health Solutions 35 Pre-Tax Commuter & Parking 36 Employee Assistance Program (EAP) 37 Pet Insurance
38 Identity Theft Protection
38 MetLife Personal Finance App 39 Legal Services
39 Marketplace Mall
40 Gym & Wellness Resources
41 ABM 401(k) Employee Savings Plan
42 Employee Stock Purchase Plan (ESPP)
43 Directory of Resources
Important: Additional benefit plans might be offered to you There may be other benefit plans available to you that are not listed in this Guide. Be sure to visit worklife.alight.com/abm and access the “Benefits Information” tab. Once you click on that tab, then click on “Flyers" to view any other plans that might be available to you for 2027. 5
Contents
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 2027.
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About This Guide
Enrollment Basics New Hires/Rehires •
You must enroll within 31 days of your hire/rehire date.
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Enrollment in the Employee Assistance Program (EAP) is automatic and coverage begins on your date of hire.
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In general, coverage in all other benefits will begin as follows: ▪
New Hire: In general, on the first of the month following 60 days of consecutive employment with ABM. For plans administered by The Standard, coverage will begin 30 days following your rehire date.
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Rehire: On the first of the month coinciding with or following your date of rehire. For plans administered by The Standard, coverage will begin 30 days following your rehire date.
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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).
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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.
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Failure to enroll is considered a waiver of coverage.
Annual Benefits Open Enrollment
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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).
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IF YOU DO NOT ENROLL DURING ANNUAL BENEFITS OPEN ENROLLMENT, the chart on the following page shows what will happen to your benefits coverage.
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You may change your elections as often as you’d like during annual benefits open enrollment, October 6 – 20 (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, 2027), unless you are no longer employed by ABM, are no longer in an eligible class, or experience a QLE.
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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.
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Failure to enroll is considered a waiver of coverage.
Enrollment Basics
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 worklife.alight.com/abm.
If You Do Not Enroll (During Benefits Open Enrollment) Plan Name
What Happens If You Do Not Enroll
Medical Dental ▪ Vision
Coverage effective in 2026 will end December 31, 2026.
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Health Savings Account (HSA)1 Flexible Spending Account (FSA)
Participation effective in 2026 will end December 31, 2026.
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
If you are currently enrolled and still meet the eligibility requirements, your current election will carry forward and will be subject to the applicable 2027 rates.
Basic Life & AD&D3 Short Term Disability ▪ Long Term Disability ▪ Employee Assistance Program ▪ Marketplace Mall
If you are offered these benefits automatically or are currently participating and still meet the eligibility requirements, your current benefits will carry forward to 2027. If you are newly eligible for any of these benefits, you will be enrolled automatically.
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Life Insurance with Long Term Care
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.
Enrollment Basics fi
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Depending on your work status and location, you may be eligible for some or all of the bene ts shown in the chart at left.
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,
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Marriage,
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Divorce or legal separation,
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Death of a dependent,
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A dependent loses or gains eligibility,
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A change in employment status for you or your spouse/domestic partner,
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You or your spouse enroll in Medicare or Medicaid,
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A court order requiring you to cover an eligible dependent, and
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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. NOTE: Changes related to births, adoptions, or placements are effective on the date of the event. All other changes related to a QLE are effective the first of the month following the event.
Verification of Name and Social Security Number for Tax Reporting During ABM’s annual Affordable Care Act (ACA) reporting process, the IRS notifies ABM when a team member’s or dependent’s name or Social Security number does not match IRS records. To meet Form 1095 C reporting requirements, ABM must correct these discrepancies with the IRS, as penalties may apply if they remain unresolved. ABM is required to provide the Internal Revenue Service (IRS) with your legal name and Social Security Number (SSN) exactly as they appear on your Social Security card. The same is true for any dependents you cover. This verification process helps prevent delays in processing your tax documents and avoid potential discrepancies with the IRS. If you have questions about your Social Security record or need a replacement card, please contact the Social Security Administration. Please review the name and SSN you provide to ABM and confirm that they match the information on your Social Security card (or that of your dependent). If you previously submitted incorrect information, correct your information using one of the options listed on page 11. Enrollment Basics ‑
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How to Enroll Enroll Online Visit the ABM Benefits Center at worklife.alight.com/abm. •
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If you have already registered, you will need to enter your User ID on the first screen and your password on the next screen. 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 have forgotten either your User ID or Password: ▪
You will be prompted to enter your user ID. Click “Don’t have User ID.” Enter the last 4 digits of SSN, and your date of birth with hyphens separating the day, month, and year (ex. 01-01-2000). Click the checkbox to acknowledge the privacy policy and click “Continue.”
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Enter your Alight Worklife password on the next screen. If you do not have it, click “Reset password.” You may choose to have a temporary password sent via mobile phone or email. After receiving, enter last 4 of SSN and DOB again, and type in the temporary password. You may now create a new password and Service center PIN following the requirements shown on the screen. A reminder of your existing User ID will be displayed at this time. Please make a note of it.
If you are a New User, click “Don’t have User ID.” Enter the last 4 digits of SSN, and your date of birth with hyphens separating the day, month, and year (ex. 01-01-2000). Then, enter your zip code. Click the checkbox to acknowledge the privacy policy and click “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.)
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Create five security questions and answers, then click “Continue.”
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Create a Service Center PIN (6-20 digits) you will need if you call the ABM Benefits Center.
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Review your benefit options, elect or waive coverage, review/update your beneficiary information (if applicable).
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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.
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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.
How to Enroll
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 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.
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Sign in and agree to connect your device via an access code sent by text message.
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Enter the access code in the app to confirm your identity.
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Follow the directions on your device to set up your fingerprint or face identification.
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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.
Updating Your Social Security Number and/or Name For Team Members ABM: Call 888.328.8606, Monday – Friday, 6 a.m. – 10 p.m. CT and Saturday – Sunday, 9 a.m. – 4 p.m. CT. Able Legacy: Call 888.328.8606, Monday – Friday, 8 a.m. – 6 p.m. PT.
For Dependents
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Online: Visit worklife.alight.com/abm.
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Alight Mobile App: Visit alight.com/app or scan the QR code above.
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ABM Benefits Center: 833.938.4635, Monday – Friday, 7 a.m. – 7 p.m. CT.
How to Enroll
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. 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
Must be legally married to the team member.
Domestic Partner2
A person of the opposite or same sex with whom the team member has established a domestic partnership.
Child (biological, adopted, foster, or step-child)
Under age 26.
Child of a Domestic Partner2
Under age 26
Child Covered Under a Qualified Medical Child Support Order (QMSCO)
Order must be a QMSCO.
Disabled Child Aged 26 or Older3
Must be incapable of self-sustained employment because of physical disability, mental or cognitive disability, mental illness, or mental health disorder; dependent on the team member for a majority of his/her financial support and maintenance; live with the team member for more than half the year; and have been covered under the plan before age 26.
1 Unless otherwise noted in the flyer specific to the benefits plan. 2 Your share of the premium for coverage for a domestic partner and/or child(ren) of a domestic partner
must be treated as after-tax. Further, the portion of the premium ABM contributes toward that coverage is subject to imputed income. 3 You will be required to complete a disabled dependent form for each benefit plan in which you enroll a
disabled child who is age 26 or older.
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Eligibility & When Coverage Begins/Ends
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. NOTE: Hospital certification is considered an acceptable proof of birth, but you will ultimately need to provide a required form of documentation (i.e., official birth certificate) within the required 30-day period. 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. 13
Eligibility & When Coverage Begins/Ends
When Coverage/Participation Begins Eligibility Event Coverage Begins Team Members Elections you make during annual benefits open enrollment will take effect January 1, 2027. New Hires
Enrollment in the Employee Assistance Program (EAP) is automatic and coverage begins on your date of hire. In general, all other benefits begin the first of the month following 60 consecutive days of employment with ABM.
Rehires
Enrollment in the Employee Assistance Program (EAP) is automatic and coverage begins on your date of hire. In general, all other benefits begin the first of the month coinciding with or following your date of rehire.
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. (Change from part-time to full-time, 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 Benefit Type ▪
Medical/Dental/Vision
▪ EAP
Coverage Ends Last day of the month in which you are no longer employed by ABM or are no longer in an eligible class.
Short Term Disability Voluntary Short Term Disability1 ▪ Long Term Disability ▪ Voluntary Long Term Disability1 ▪ Basic Life & AD&D1 ▪ Voluntary Life1 ▪ Voluntary AD&D1 ▪ Life Insurance with Long Term Care1 ▪ Accidental Injury1 ▪ Critical Illness1 ▪ Hospital Indemnity1 ▪ Identity Theft Protection1 ▪ Gym & Wellness Resources1 ▪ ▪
FSA Pre-Tax Commuter & Parking ▪ Legal Services1 ▪ Marketplace Mall ▪ ▪
At 11:59 p.m. the day you are no longer employed by ABM or are no longer in an eligible class.
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Pet Insurance1
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.
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401(k)
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.
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ESPP
ESPP contributions stop at the end of the month prior to leaving ABM. Any contributions deducted from a check issued after that time will be refunded to you.
1 You may be able to continue coverage for these plans after you terminate. Please contact the carrier.
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Eligibility & When Coverage Begins/Ends
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, 2027, 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).
Silver (with HSA) and Gold Options – UnitedHealthcare (UHC) The Silver and Gold options are administered by UHC and have these features:
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In-network coverage that saves you money. Whenever you use an in-network provider you will pay a discounted rate. When using Tier 1 premium providers in UHC’s Silver and Gold options, your out-of-pocket costs will be even less.
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Out-of-network coverage if you need it. If you choose to receive care outside UHC’s network, you will not have access to discounted rates negotiated by UHC. Your treatment will be subject to the out-of-network deductible and coinsurance, and, in some cases, a copayment, before the plan starts paying benefits. Treatment will be allowed at 140% of Medicare’s reimbursement rates. Any charges above this amount will not be covered and you might receive a bill from a provider for the difference between the provider’s charge and what the plan pays (balance billing). You may be required to submit claims when you receive out-of-network care. Keep in mind, there is no coverage for out-ofnetwork pharmacy services.
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An annual deductible for yourself and your family members. ▪
With the Silver option, except for preventive services (including preventive medications), you pay 100% of your medical and prescription drug expenses until you meet the plan’s annual deductible. There is not a separate deductible for prescription drugs. (Note that certain prescriptions considered preventive do not have a deductible applied.)
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With the UHC Gold option, you have copays for doctor/specialist visits and prescription drugs (and som other services). For most other covered services, you must meet your deductible before the plan pays benefits.
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Out-of-pocket maximum caps your annual expenses. If you reach your annual out-of-pocket maximum, your plan then pays the remainder of your eligible expenses at 100% for the rest of the calendar year, including copays, deductibles, and coinsurance. (Contributions for coverage, non-covered expenses, and charges over the out-of-network allowable amount are not included.)
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Freedom to go to the doctor of your choice. You can choose any doctor (including specialists), facility, or hospital in UHC’s network. You do not need referrals or need to choose a Primary Care Physician (PCP). Some services, however, will be subject to pre-authorization.
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100% coverage for preventive care. Wellness and preventive care are covered at 100%, with no deductible, when you use network providers.
Medical Coverage
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Prescription drug coverage. Prescription drug coverage is only available when using a network pharmacy or the mail order drug program. With the Silver option, prescriptions are subject to the deductible, with the exception of certain preventive prescriptions. With the UHC Gold option, copays are required.
Kelsey-Seybold Houston The Kelsey-Seybold Houston option has these key features: •
Extensive provider network. You can access over 1,000 Kelsey-Seybold physicians for preventive, diagnostic, and specialty services available at over 40+ locations in the Greater Houston area. No referral needed.
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Virtual Care. You have access to virtual care 365 days a year — connect with Kelsey-Seybold providers anytime through VideoVisitNOW (on-demand) or a scheduled Video Visit, wherever you are.
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Coverage when traveling. When traveling outside of Houston, you may use UHC’s national network for Urgent Care. No referral required.
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Specialized care referrals. For other specialized care, Kelsey-Seybold may refer you to one of 2,800 in-network UHC affiliated provider physicians, based on your specific care needs. Referrals are required.
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Behavioral/mental health coverage. You may self-refer to UHC’s Behavioral/Mental Health Network. No referral required.
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Extensive hospital network. Hospital affiliates include St. Luke’s, Texas Children’s, Memorial Hermann, HCA, Methodist, and more.
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MyKelseyOnline. With the free MyKelsey app, you can email your doctor’s office, get most test results, and schedule appointments – right from your smartphone.
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In-network benefits only. This plan provides in-network benefits only. Out-of-network care is not covered unless it is an emergency.
UHC Charter – UHC This option is offered to team members in Atlanta, Chicago, and Dallas. It has all the features of the UHC Gold option, however, this plan provides in-network benefits only through a “narrow network.” Out-of-network care is not covered unless it is an emergency. In addition, you will be assigned a Primary Care Physician (PCP) when you enroll. You will also be required to get a referral from your PCP if you need to see a specialist.
Surest Choice This option lets you shop for the best health care value. Whenever you need health care, 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. The cost to you can vary significantly depending on the provider you choose, so make sure to do your comparisons in advance. Visit the provider you choose 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 Choice, you will also pay less when you select a higher value care option or provider, as indicated by a lower copay amount. 16
Medical Coverage
To learn more about Surest Choice before making your decision, visit surest.care/ABMChoice.
Medical and Pharmacy Benefits – UHC, Kelsey-Seybold, UHC Charter, & Surest Choice Highlights of the plans are shown in the following chart. All medical copays apply to the out-of-pocket maximum. The coinsurance percentage in the Silver and Gold columns is the amount you pay toward the cost. Benefits shown are for in-network care only. Benefits for out-of-network services will be less than in-network. Out-of-network benefits under UHC’s Gold and Surest Choice options can be found at worklife.alight.com/abm by clicking “View Plan Details” on each plan’s enrollment section. (Out-of-network services are not covered under Kelsey-Seybold Houston or UHC Charter.)
Medical and Pharmacy Benefits – UHC, Kelsey-Seybold, UHC Charter, & Surest Choice IMPORTANT: Kelsey-Seybold Houston is available to team members in the Greater Houston area only. UHC Charter is available to team members in Atlanta, Chicago, and Dallas only. Silver (with HSA)
UHC Gold, Kelsey-Seybold Houston, & UHC Charter
Surest Choice
Calendar Year Deductible Individual
$3,500
$1,500
Family
$7,000
$3,000
In lieu of deductible, provider choice determines your copay (see ranges below)
Individual
$6,000 (including prescription drugs1)
$6,000 medical; $2,000 prescription
$6,000 (including prescription drugs1)
Family
$12,000 (including prescription drugs1)
$12,000 medical; $4,000 prescription
$12,000 (including prescription drugs1)
Wellness/Preventive
No copay
No copay
No copay
Tier 1 Premium Care2 Primary Care Physician
10%, after deductible
$15 copay (UHC Gold); N/A (Kelsey-Seybold & UHC Charter)
N/A
Primary Care Physician
20%, after deductible
$25 copay (UHC Gold); $15 copay (Kelsey-Seybold & UHC Charter)
$15 - $100 copay3
Tier 1 Premium Care2 Specialist
10%, after deductible
$45 copay (UHC Gold); N/A (Kelsey-Seybold & UHC Charter)
N/A
Specialist
20%, after deductible
$55 copay (UHC Gold); $45 copay (Kelsey-Seybold & UHC Charter)
$15 - $100 copay3
Virtual Visits4
20%, after deductible
$25 copay
$15 copay
Urgent Care
20%, after deductible
$25 copay
$50 copay
Lab/X-Ray/Radiology (in physician’s office)
20%, after deductible
No copay
No copay
Out-of-Pocket Maximum
Physician Office Visits
17
Medical Coverage
continued
Silver (with HSA)
UHC Gold, Kelsey-Seybold Houston, & UHC Charter
Inpatient
20%, after deductible
$250 min copay/$500 max copay, plus 25%, after deductible
$200 - $3,000 copay3
Outpatient
20%, after deductible
$200 copay, plus 25%, after deductible
$40 - $3,000 copay3
Tier 1 Premium Care2 Physician Outpatient Professional Fees
10%, after deductible
15%, after deductible N/A (Kelsey-Seybold)
N/A
Outpatient Professional Fees
20%, after deductible
25%, after deductible 15%, after deductible (KelseySeybold)
No charge; included in outpatient copay
Emergency Room
20%, after deductible
$200 copay, plus 25%, after deductible
$500 copay
Inpatient
20%, after deductible
$250 min copay/$500 max copay, plus 25%, after deductible
$2,000 copay
Outpatient
20%, after deductible (10% tier 1)
$15 copay
$60 copay
Surest Choice
Hospital Services
Mental Health/Substance Abuse
Prescription Drugs (available only from in-network pharmacies) Retail (31-day supply) Tier 1
$10 copay, after deductible
$15 copay
$20 copay
Tier 2
$35 copay, after deductible
40% – $45 min/$90 max
$60 copay
Tier 3
$60 copay, after deductible
50% – $70 min/$140 max
$90 copay
Tier 4
20%, up to a $200 maximum, after deductible
10% – $150 max
Specialty Tier 1 = $240 copay Specialty Tier 2 = $270 copay Specialty Tier 3 = $300 copay
Tier 1
$20 copay, after deductible
$37.50 copay
$50 copay
Tier 2
$70 copay, after deductible
40% – $112.50 min/$225 max
$150 copay
Tier 3
$120 copay, after deductible
50% – $175 min/$350 max
$225 copay
Tier 4
20%, up to a $200 maximum, after deductible
10% – $150 max
Not covered
Mail Order (90-day supply)
continued 18
Medical Coverage
1 Certain prescription drugs considered preventive are not subject to the deductible (see Pharmacy Benefits, UHC & Surest Choice). 2 Tier 1 premium providers are recognized for providing higher value in health care delivery, which means you may save money on the care
you receive. Tier 1 premium providers are not associated with Kelsey-Seybold Houston or UHC Charter. To find Tier 1 premium providers, go to welcometouhc.com/tieredbenefits and click on Benefits > Find a Doctor or Facility. Tier 1 premium providers are identified with a blue Tier 1 dot next to their name. 3 Surest Choice uses copay ranges. Visit surest.care/ABMChoice to search for care and applicable copays. 4 If you receive virtual care outside of an office visit, different copays may apply depending on the type of service you receive.
Special Programs – UHC Options When you participate in a Medical Plan administered by UHC, Kelsey-Seybold, UHC Charter, or Surest, you will also have access to the programs below at no cost to you. You will receive information directly from UHC, particularly if one or more of these programs is relevant to you or your family.
2nd.MD When you participate in a Medical Plan administered by UHC, 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.
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.
Maven Maven is a personal health platform designed to support you and your loved ones through fertility, family building, menopause, and midlife health. It offers 24/7 access to a dedicated care team, unlimited video visits, and a library of articles, videos, and classes. From fertility guidance, egg freezing, adoption, surrogacy, and male fertility support to menopause symptom relief, nutrition advice, career guidance, and mental and emotional care, Maven provides comprehensive, personalized support at every stage of life.
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 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. 19
Medical Coverage
Kaiser Permanente DHMO Kaiser Permanente (Kaiser) is only available if you live or work inside the service area in California, Colorado, Georgia, Mid-Atlantic States (Maryland, Virginia, and Washington, D.C.), Northwest (Oregon and parts of Southern Washington State), or Washington. ABM offers two Kaiser Plans: Standard Plan and Virtual Complete Plan. If you select a Kaiser plan, you must use Kaiser’s exclusive network of providers for routine care. (There is no coverage for routine services out-of-network.) Both Kaiser plans offer: •
In-network preventive care services – Routine physical exams, mammograms, and cholesterol screenings are offered at no cost, even before you reach your deductible. (There is no coverage for routine services out-of-network.)
•
Wide range of covered services and supplies – Both options cover the same extensive array of services and supplies, at varying coverage levels.
•
Out-of-pocket maximum caps your expenses each year – If you reach your annual out-of-pocket maximum, both options will then pay the remainder of your eligible expenses at 100% for the rest of the calendar year. That includes copays, deductibles, and coinsurance.
•
Prescription drug coverage – Available under both options for retail and mail order drugs.
•
Coverage while you travel – If you get injured or sick while traveling, you are covered for urgent and emergency care around the world. Outside Kaiser states, members can get urgent and emergency care through Cigna’s PPO Network providers and urgent care at various MinuteClinics (in select CVS and Target stores) and Concentra urgent care centers. Before leaving town, contact Kaiser to see if you need a vaccination or a prescription refill. If you are visiting another Kaiser region, you can receive the same or similar benefits as your current location. More information is available at kp.org/travel.
Note: There are a few things to keep in mind when you get preventive care. While there is no cost or a copay for most preventive care services, if you have symptoms of a health condition, you may also need diagnostic services to figure out the cause. Since diagnostic services aren't preventive, you will most likely receive a bill for any additional services. A copy of Kaiser benefits summaries and Summary Plan Descriptions (SPDs) can be found on the ABM Benefits Center at worklife.alight.com/abm or at choose.kp.org/abm.
Medical and Pharmacy Benefits – Kaiser DHMO Highlights of the Standard and Virtual Complete Plans are shown in the chart on the following page.
20
Medical Coverage
Medical and Pharmacy Benefits – Kaiser DHMO KAISER DHMO
California, Colorado, Georgia, Mid-Atlantic States (MAS) (Maryland, Virginia, Washington, D.C.), Northwest, and Washington Standard Plan
Virtual Complete Plan
Calendar Year Deductible Individual
WA – $100 All other states – $1,000
$2,000
Family
WA – $200 All other states – $2,000
$4,000
Individual
WA – $4,000 All other states – $5,000
$6,850
Family
WA – $8,000 All other states – $10,000
$13,700
Out-of-Pocket Maximum
Physician Office Visit Copays Wellness/Preventive
No Charge
No Charge
Primary Care1
WA – $35 All other states – $30
First 3 visits2 – $30 Subsequent visits – $30, after deductible
Specialist
WA – $35 All other states – $60
$50, after deductible
Virtual Visits
No Charge
No Charge
Urgent Care
CA – $30 WA – $35 GA – $50 All other states – $60
WA – $35 per visit, 10 visits per year
Chiropractic Care
MAS – 30% coinsurance, 20 visits per year All other states – $30 per visit, 20 visits per year
Lab/X-Ray
WA – 20% coinsurance, after deductible
CA/WA: First 3 visits2 – $30, no deductible Subsequent visits – $30, after deductible All other states – $50, after deductible WA: First 3 visits2 – $30; subsequent visits – $30, after deductible; limited to 10 visits per year CO/NW/GA – 30% coinsurance after plan deductible, 20 visits per year MAS/CA – 30% coinsurance, 20 visits per year Lab: All states – $15 copay, no deductible
All other regions – No Charge
X-ray: CO/MAS/WA – $15 per encounter, after deductible X-ray: GA/CA/NW – 30% coinsurance, after deductible
Inpatient
20%, after deductible
30%, after deductible
Outpatient
WA – $35 copay, 20% coinsurance All other regions – 20%, after deductible
30%, after deductible
Hospital Services
Emergency Room
WA – $150 copay and 20% coinsurance, after deductible. Copay waived if admitted.
30%, after deductible
All other states – 20%, after deductible
continued 21
Medical Coverage
KAISER DHMO
California, Colorado, Georgia, Mid-Atlantic States (MAS) (Maryland, Virginia, Washington, D.C.), Northwest, and Washington Standard Plan
Virtual Complete Plan
Mental Health & Substance Abuse Inpatient
20%, after deductible Private session: WA – $35, no deductible All other states – $30, no deductible
Outpatient1
30%, after deductible Private session: CO/GA – $30, no deductible All other states – First 3 visits2 – $30, no deductible Subsequent visits – $30, after deductible
Group sessions: WA – No Charge All other states – $15, no deductible3
Group sessions: CO/GA – $15, no deductible WA – No Charge All other states – First 3 visits2 – $15, no deductible Subsequent visits – $15, after deductible
WA – 20% coinsurance, 1 device per ear, every 36 months
WA – 30% coinsurance, 1 device per ear, every 36 months
CO/CA – $3,000 allowance, 1 device per ear, every 36 months
CO/CA – $3,000 allowance, 1 device per ear, every 36 months
GA/NW – 30% coinsurance, 1 device per ear, every 36 months after plan deductible
GA/NW – 30% coinsurance, 1 device per ear, every 36 months after plan deductible
MAS – No Charge, 1 device per ear, every 36 months
MAS – No Charge, 1 device per ear, every 36 months
Retail – Supply Limit
30 days
30 days
Generic
$15 copay
$15 copay
Preferred Brand
$40 copay
WA – $50 copay, no deductible All other states – $50 copay, after deductible
Non-Preferred Brand $40 copay
WA – $50 copay, no deductible All other states – $50 copay, after deductible
Adult Hearing Aids
Individual
Prescription Drugs
CO – 20% coinsurance up to a maximum of $250
WA – 30%, no deductible, up to $200
All other states – applicable copay applies for Generic, Brand, or Non-Preferred Brand Name
All other states – 30%, after deductible, up to $200
Mail Order – Supply Limit
CA – up to 100 days All other states – 90 days
CA – up to 100 days All other states – 90 days through retail only
Generic
$30 copay
$30 copay, no deductible
Preferred Brand
$80 copay
WA – $100 copay, no deductible All other states – $100 copay, after deductible
Non-Preferred Brand $80 copay
WA – $100 copay, no deductible All other states – $100 copay, after deductible
Specialty
Retail only
Specialty
Retail only
1 Northwest Region, per Senate Bill 1529: Primary care visit – $5 copay (no deductible) for first 3 visits per year.
First 3 visits are any combination of Primary Care Non-Specialty Medical Services, Mental Health Outpatient Services, Naturopathic Medicine Visits, Substance Use Disorder Outpatient Services, or Telemedicine Services. 2 Benefits subject to the first three visits are cumulative in CA, CO, WA, and MAS. 3 Benefits for group substance abuse sessions vary by state.
22
Medical Coverage
Virtual Visits All ABM Medical Options 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:
23
•
Anxiety/depression,
•
Migraine/headaches,
•
Bladder infection/ urinary tract infection,
•
Pink eye,
•
Rash,
•
Sinus problems,
•
Skin conditions,
•
Sore throat,
•
Speech therapy, and
•
Stomachache.
•
Bronchitis,
•
Cold/flu,
•
Diarrhea,
•
Fever,
•
Gastrointestinal issues,
Medical Coverage
How to Access Virtual Visits Visit your carrier’s website or download the carrier’s app. Your login credentials for the website and app will be the same. •
If you are enrolled in a UHC plan, choose from provider sites where you can schedule a visit. You will pay your portion of the service costs based on the option you select.
•
If you are enrolled in Surest Choice, once logged in, search “virtual visit” and register to request an appointment.
•
If you are enrolled in a Kaiser plan, download the KP.org app. Once logged in, you can schedule your virtual care appointment.
Pharmacy Benefits UHC, Kelsey-Seybold, UHC Charter, & Surest Choice 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, call the pharmacy customer service number on your ID card. IMPORTANT: Although prescription drugs count toward the deductible under the Silver option, certain preventive medications, (e.g., insulin, blood pressure, cholesterol drugs) may be covered without a deductible applied. Existing members can visit myuhc.com or the UHC app to determine if a medication is considered preventive, or to search and price a medication that is specific to the Silver option.
Kaiser Kaiser will generally cover brand-name (when no generic is available), generic, and specialty tier drugs listed on their formulary, as long as the drug is medically necessary, the prescription is filled at a Kaiser or participating network pharmacy, and other plan rules are followed. The formulary can be found at kp.org/pharmacy by selecting the HMO drug formulary for the region in which you reside. Prescriptions for nonformulary drugs may be filled at a Kaiser pharmacy, however, you should expect to pay the full retail cost unless your Kaiser doctor has received an exception for that drug and it is considered medically necessary.
Mail Order Services (all options) 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. 24
Medical Coverage
Health Savings Account (HSA) – Bank of America If you elect the Silver Medical Plan option, you are eligible to participate in the HSA. The Silver option is considered a High-Deductible Health Plan (HDHP) that allows HSA participation. This account lets you contribute tax-free money that can be used to pay for eligible health care expenses that are not covered by your medical, dental, or vision care plans. HSAs offer a triple tax advantage—pre tax contributions, tax free investment growth, and tax free withdrawals for qualified medical expenses —making them one of the most tax efficient benefits available. Here’s how the HSA works: •
Once you enroll in the Silver Medical Plan option, you will be asked if you want to make contributions to an HSA. If you are a new HSA participant, you will need to set up an account with Bank of America, the HSA administrator. The account is owned by you and administered by Bank of America.
•
You can make contributions to your HSA through payroll deductions that come out of your paycheck before taxes are calculated.
•
The funds in your account can be withdrawn at any time to cover eligible health care expenses such as deductibles, copays, and other out-of-pocket medical, prescription drug, dental, or vision care charges, and certain contributions such as COBRA, long-term care, and Medicare. For a complete list of allowable health care expenses, access IRS Publication 502 (irs.gov/publications/p502).
•
Your account balance rolls over from year to year, allowing you to grow a larger balance. Your account can even be used after you leave ABM or when you retire.
For more information about the HSA, access IRS Publication 969 (irs.gov/publications/p969).
Making HSA Contributions When you elect to contribute to your HSA, you will be asked how much you want to contribute. You must contribute at least $300 each year you participate. You can change the amount of your contributions at any time during the year, subject to the maximum annual contribution limits set by the IRS. Please note that any changes made to your contributions outside the enrollment period will be effective the first of the month following the date you make the change. All contribution amount changes can be made at the ABM Benefits Center on worklife.alight.com/abm. Maximum Annual Contribution for 2027
Team member only
$4,500
Team member plus dependent(s)
$9,000
Age 55 and over
Additional $1,000 per year
‑
‑
Health Savings Account (HSA) ‑
‑
25
Participant
A Range of Investment Options Bank of America’s HSA investment platform generally allows you to invest balances above $1,000 into a curated lineup of mutual fund based options. These typically include broad market index funds, target date strategies, and other diversified choices designed for long term growth. You can transfer money between the cash and investment portions, adjust allocations, and monitor performance through the Bank of America online portal, with earnings in the investment account growing tax free when used for qualified medical expenses.
Using Your HSA Funds Whenever you have an eligible health care expense, such as your deductible, you can use funds in your HSA to pay for this expense. You may either use your HSA debit card (such as at your pharmacy to pay for a prescription drug), or you may pay out of your pocket and reimburse yourself with funds from your account. Here are some important points to remember: •
As with any bank account, you must be sure that there are funds in your account before you use your debit card to pay expenses.
•
If you use HSA funds to pay for expenses that are not eligible, you will pay a 20% penalty plus income taxes on the funds you used. Once you become eligible for Medicare, the 20% penalty no longer applies.
Important HSA Reminders You may not open and fund an HSA if: •
You did not elect the Silver Medical Plan option,
•
You are covered by your spouse’s plan (unless it is also a HDHP),
•
You currently participate in a Health Reimbursement Account (HRA),
•
You make contributions to a Health Care Flexible Spending Account,
•
You can be claimed as a dependent on someone else’s tax return,
•
You are enrolled in Medicare, TRICARE, or TRICARE for Life, and/or
•
You have received Veterans Administration Benefits in the past three months.
Important Information if You Currently Participate in Optum Bank’s HSA After enrolling for 2027, you will receive information that will give you the option to transfer funds from your Optum Bank account to your new Bank of America account. Of course, you can leave your Optum Bank account open, but if you prefer to consolidate, you will have that choice. Optum Bank will charge a fee for leaving your account with them.
‑
‑
‑
Health Savings Account (HSA) ‑
‑
26
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. Premium Dental Plan
Standard Dental Plan
Individual
$25
$50
Family
$75
$150
Calendar year maximum
$3,000 per person
$1,500 per person
Preventive (two cleanings & exams per year; one bite-wing x-ray per year; additional x-ray benefits for children)
No charge; no deductible applied
No charge; no deductible applied
Basic (fillings, crowns, root canals)
30%, after deductible
30%, after deductible
Major (dentures)
50%, after deductible
50%, after deductible
Coinsurance
50%, after deductible
50%, after deductible
Lifetime maximum
$2,500
$1,000
Calendar Year Deductible
Coinsurance
Orthodontics (adults and children)
Note: If you use an out-of-network provider, you will receive the same reimbursement percentage as shown above, but your provider will not be charging the discounted MetLife dental rates.
27
Dental Benefits
Vision Benefits – VSP 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 eye care needs. The plan uses VSP’s provider network, giving you many options for finding eye care, including Visionworks, Eyemart Express, Walmart, Sam’s Club, Costco, and Pearle Vision, to name a few. Out-of-network benefits are also available. The chart below shows benefits available under the plan.
Vision Care Services
In-Network Member Cost
Out-of-Network Member Reimbursement
Exam Services (once every calendar year) Exam at PREMIER EDGE Providers
$0 copay
Up to $50
Exam
$10 copay
Up to $50
Contact Lenses: fit & follow-up for both Standard & Premium fits
$0 copay; 15% off contact lens exam (fitting & evaluation); your coinsurance is limited to no more than $40
Included with conventional and disposable contacts
$20 copay; $250 allowance; 20% off balance over $250 allowance
Up to $100
Frames (once every calendar year) Any available frames at PREMIER EDGE Providers, including Visionworks and Eyemart Express retail locations
$0 copay; 20% off balance over allowance Frames
$200 allowance at in-network providers; Up to $100 $250 Featured Frame Brands allowance; $200 Walmart/Sam’s Club frame allowance; $110 Costco frame allowance
Lenses (once every calendar year) *You can get lenses and contacts in the same year Single Vision
$20 copay
Up to $50
Lined Bifocal
$20 copay
Up to $75
Lined Trifocal
$20 copay
Up to $100
Lenticular
$20 copay
Up to $125
Standard Progressives
$0 copay
Up to $75
Premium Progressives
$95 - $105 copay
Up to $75
Custom Progressives
$150 - $175 copay
Up to $75
Contacts (once every calendar year) *You can get lenses and contacts in the same year Contacts – Elective
$150 allowance
Up to $120
Contacts – Medically Necessary
$20 copay
Up to $210
continued 28
Vision Benefits
Vision Care Services
In-Network Member Cost
Out-of-Network Member Reimbursement
$20 copay per exam
N/A
$20 copay; $200 allowance
N/A
Essential Medical Eye Care Additional exams and services beyond routine care to treat immediate issues from pink eye to sudden changes in vision or to monitor ongoing conditions such as dry eye, diabetic eye disease, glaucoma, and more Lightcare *New for 2027 Ready-made non-prescription sunglasses or blue light glasses are available to team members and dependents that do not need prescription glasses.
ProTec Safety Plan – Team Members only (at an additional cost) Prescription safety lenses that meet necessary requirements specified by American National Standards (ANSI) for impact protection, including single vision, lined bifocal, and lined trifocal
$0 copay; covered in full
Single Vision – $35; Lined Bifocal – $45; Lined Trifocal – $60
Safety frames are available to team members when selecting their ANSI certified frames
$0 copay; covered in full from the Protech Eyewear Collection; or covered in full safety frames from any Visionworks and Eyemart Express locations; or covered in full up to the retail allowance of $130 from the doctor’s safety frame collection
Up to $25
Laser correction surgery discount: If you have laser correction surgery in-network at VSP contracted facilities, you will receive a discount of 15% off the retail price or 5% off the promotional price. This benefit is not available out-of-network. Retinal imaging: Up to $39 copay; $0 copay for members with diabetes. Other important vision discounts: •
30% off on all other lens enhancements.
•
40% off unlimited additional pairs of prescription glasses or non-prescription sunglasses from any VSP provider within 12 months of last exam.
•
50% off second pairs of glasses at Visionworks locations.
Hearing aids: Up to 60% savings on hearing aids and free batteries.
29
Vision Benefits
Health Care Flexible Spending Account (FSA) – WEX The Health Care FSA lets you pay for eligible health care expenses with pre-tax dollars. (If you participate in the HSA, you may not also make contributions to the FSA.) Eligible expenses include health care costs that are not covered by your medical, dental, and vision plan, such as deductibles and copays. Certain over-the-counter drugs are not eligible for FSA reimbursement without a doctor’s prescription. You can go to WEX’s website for a list of eligible expenses. For details on all FSA-eligible expenses, refer to IRS Publication 502 (irs.gov/publications/p502). When you elect the FSA, you decide how much of each paycheck you want to contribute into your account before taxes are calculated. You may not change your contribution during the year unless you have a QLE. The annual amount you can contribute to your FSA is a minimum of $300, to the IRS maximum ($3,400 in 2026).
Using Your FSA When you open your FSA, WEX will send you a debit card. Use the card to pay for eligible expenses at your doctor’s office or at a pharmacy. For certain transactions, you may need to file a claim with WEX for reimbursement from your account, so you are always advised to keep receipts and records of your FSA purchases. The FSA is considered a “Use It or Lose It” plan. That means that you must use all the money you contribute to the account in the year you contribute it or during the grace period. If you leave ABM, coverage ends on your last day of employment. If your eligibility changes and you are no longer eligible for the plan, coverage will end on the last day you were in an eligible class; contributions will end at the end of the pay period in which you become ineligible. You may continue to submit claims for expenses incurred while you were a participant, as described in the next section.
Grace period for filing claims You have a grace period for using up your FSA account funds. These rules apply: •
Expenses incurred during 2027 through March 15, 2028 can be filed for reimbursement up to June 15, 2028.
•
If you leave ABM, you must file eligible FSA expenses within 31 days of the date upon which your employment ends. Eligible claims must be incurred while you were a participant in the FSA. Please refer to the Health Care FSA SPD available on worklife.alight.com/abm for details. You will not be allowed to change your election during 2027 unless you have a QLE.
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Health Care Flexible Spending Account (FSA)
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 2027. However, if you have not previously elected coverage for yourself, your spouse and/or children, you may do so during the 2027 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 Insured Individual
Life Insurance Coverage Amount
Maximum Benefit
Duration of Coverage
Age Range for First-Time Enrollment
You
$10,000 $25,000 $75,000 $100,000 $150,000
$150,000 (Guaranteed Issue)
Lifetime
Ages 19-70
Spouse
50% of team member’s coverage amount, to a maximum of $25,000
Lesser of 50% of the team member’s coverage Lifetime amount or $25,000
Ages 19-60
Child(ren)
$5,000 - $25,000, in $5,000 increments
$25,000
15 days to age 26*
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. Note: If you miss more than 3 months (90 consecutive days) of payroll deductions, you will receive an invoice directly from Chubb. If you do not make payment within the required timeframe noted on the invoice, your policy will be cancelled retroactively to the paid-to-date of your policy. 31
Life Insurance with Long Term Care
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. Low Plan
High Plan
Ambulance (ground)
$500
$750
Ambulance (air)
$1,500
$2,000
Emergency Room Treatment
$250
$350
Urgent Care
$250
$350
Primary Care Physician
$250
$350
Physician Follow-Up
$50
$125
Physical Therapy
$100
$125
Appliance Benefit
$225
$225
Hospital/ICU Admission
$1,000
$1,500
Hospital Confinement (per day benefit)
$200
$300
ICU Confinement (per day benefit)
$400
$600
Burns
Up to $7,500
Up to $10,000
Coma
$5,000
$15,000
Concussion
$100
$200
Tendon, Ligament, and Rotator Cuff
$100 (exploratory) $200 (repair)
$200 (exploratory) $600 (repair)
Dislocations (Separated Joint)
Up to $3,125 (non-surgical) and $9,375 (surgical)
Up to $3,750 (non-surgical) and $11,250 (surgical)
Fractures (Broken Bone)
Up to $3,125 (non-surgical) and $9,375 (surgical)
Up to $6,250 (non-surgical) and $18,750 (surgical)
* 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 bene ts. 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.
Hospitalization
Covered Injuries and Surgical Procedures
Wellness Bene t: 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 worklife.alight.com/abm.
Benefits increase by 25% if your accident occurs during an organized sporting event.
Supplemental Insurance fi
fi
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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, unlimited admission*)
$1,000
Hospital Confinement (per day benefit, limited to 30 days)
$200
Hospital ICU Admission (per confinement, unlimited admission*)
$1,400
Hospital ICU Confinement (per day benefit, up to 15 days per confinement, per 90 days)
$400
Hospital Observation Stay (per day, up to 72 hours total; 12-hour elimination period required); one benefit(s) for each 24-hour period or pro rata period of observation
$100
Newborn Nursery Care Admission (Limited to 1 day, one benefit per newborn child; this benefit is payable to the team member even if child coverage is not elected
$250
* This plan provides coverage for unlimited hospital admissions, which are payable regardless of the number of days between admissions. It also provides coverage for readmission benefits for previously paid conditions that occur after 90 days from the initial hospital admission.
Wellness Bene t: As part of both Hospital Indemnity and 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. A full list of covered tests is available on worklife.alight.com/abm.
Critical Illness 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 is based on the amount of coverage in effect on the date of the 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.
Covered conditions paid at 100% of the 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: advanced 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. Supplemental Insurance fi
33
Your Critical Illness coverage includes enhanced benefits, including 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. It also includes a $3,000 Musculoskeletal, Endocrine, Heart and Vascular, or Respiratory Admission benefit (one benefit every 12 months) if you are hospitalized due to one of these conditions; cervicalgia (neck pain), intervertebral disc disorders, gout, lumbago (back pain), osteoarthritis, rheumatoid arthritis, scoliosis, spinal stenosis, spinal arthritis, or spondylopathy. Please see your plan documents for a full list of covered conditions.
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 experts who can help you learn about common issues, as well as offer coping techniques and support. Seminars are open to you, your parents, your caregivers, and your loved ones. Registration is not required. Visit Cigna.com/MentalHealth for the seminar schedule.
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.
Visit myCigna.com to determine available discount programs.
34
Supplemental Insurance
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 $340 per month (2026 limit).
•
Parking expenses – Up to $340 per month (2026 limit).
Eligibility begins on the day you are hired; you may enroll as soon as administratively practicable. Enroll by visiting the ABM Benefits Center at worklife.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 quali ed expenses. Refunds of unused funds are not permitted. If you terminate employment with ABM, you will forfeit any unused pre-tax funds.
Pre-Tax Commuter & Parking fi
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Employee Assistance Program (EAP) – ComPsych Guidance Resources® Confidential Support for Life’s Challenges ABM’s Employee Assistance Program (EAP) provides confidential, professional support to help you navigate life’s challenges — whether they’re personal, family-related, financial, or legal. Services are available 24 hours a day, seven days a week, at no cost to you, and are designed to help you improve your well-being. EAP services include: Confidential Counseling – Receive support from licensed professionals for a variety of personal concerns, including: •
Stress, anxiety, and depression,
•
Grief, loss, and major life changes,
•
Relationship, marriage, and family concerns, and
•
Work-related challenges.
All team members and their household members have access to six counseling sessions per issue, per year. Legal Assistance – Speak with an attorney for help with common legal matters, including: •
Divorce and family law,
•
Adoption, and
•
Wills, trusts, and estate planning.
Financial Resources – Access guidance from financial professionals on topics such as: •
Budgeting and debt management,
•
Retirement and financial planning,
•
Taxes,
•
Mortgages, insurance, and relocation, and
•
Bankruptcy and other financial concerns.
Digital Tools & Well-Being Resources – Use online and mobile resources to support your mental health and overall well-being, including: •
Immediate access to counseling and work-life support,
•
Personalized behavioral health and wellness programs,
•
Articles, videos, webinars, and self-paced learning, and
•
Self-care tools for stress, anxiety, mindfulness, sleep, and emotional wellness.
To explore these resources and get started, visit GuidanceResources.com. See the Directory of Resources for complete contact information.
36
Employee Assistance Program
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.
•
MetLife Pet mobile app to submit and track claims, manage your pet’s health and wellness, and find nearby pet services.
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.
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.
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Pet Insurance
Identity Theft Protection – Norton LifeLock Help protect your identity and devices with either the Benefit Essential or Benefit Premier plans. This coverage provides: •
Device security – Access anti-virus software 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. 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.
Don’t miss the financial wellness features offered under both plans through Norton Money: •
Balance change alerts – Get notified of unexpected credit balance shifts.
•
Income tracking – Track earnings across accounts in a single dashboard.
•
Spending tracker – Organize spending by category and track trends.
•
Spending insights – Track dining, entertainment, and travel expenses.
Benefits Essential and Benefits Premier Options Benefits Essential provides identity theft protection, financial monitoring, privacy tools, and device security. It includes credit monitoring, identity restoration support, protection for up to 3 devices (or 6 devices/family plan), and 10 GB of PC cloud backup storage. Benefits Premier includes all the Essential features while offering a higher level of identity theft reimbursement and restoration coverage, protection for up to 5 devices (or 10 devices/family plan), and 50 GB of PC cloud backup storage. Overall, Premier offers more comprehensive credit monitoring, greater financial protection, expanded device coverage, and additional cloud storage. To enroll, setup your phone number and email address at worklife.alight.com/abm at the time of enrollment. Please note that Norton LifeLock does not monitor all transactions. If you currently have an account with LifeLock through another employer or privately, you will need to cancel this account before you are allowed to set up a LifeLock account through 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. 38
Identity Theft Protection & Personal Finance App
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
•
Civil lawsuits
•
Home & real estate
•
Elder-care issues
•
Estate planning
•
Traffic & other matters
•
Family & personal
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 2027, 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:
39
•
Auto, home, and pet insurance
•
Loan and refinancing services
•
Health and wellness programs
•
Tax and real estate services
•
Fitness memberships and equipment
•
Investment resources
•
Meal services and nutrition plans
•
Travel deals (cruises, hotels, and car rentals)
•
Eyewear and skincare
•
Electronics (computers, laptops, and tablets)
•
Online therapy and mental health tools
Legal Services & Marketplace Mall
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 digital 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 50+ 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. You can also create your account today by downloading the Wellhub app or by clicking here. 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).
New for 2027 Your Wellhub subscription is now eligible for reimbursement from your Health Care Flexible Spending Account (FSA). Click here to learn more.
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Gym & Wellness Resources
ABM 401(k) Employee Savings Plan – Merrill Depending on your work status, location, and inclusion under a union contract, 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 is an effective way to save for your future, defer taxes, and receive a generous ABM match. You may be eligible to make personal contributions beginning the first of the month following 30 days of employment. You may be 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. Two Contribution Types – Make traditional pre-tax contributions, Roth 401(k) contributions, or a combination of both. 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 what your tax rate will be in retirement to see which contribution type may be right for you. 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 ($24,500 in 2026). Catch Up Contributions – If you reach age 50 in 2027 or are already older than 50, you can defer additional amounts called “Catch Up Contributions,” up to the annual Catch Up amount ($8,000 in 2026). If you are ages 60-63 in 2027, you are eligible for additional Super Catch Up Contributions (up to $11,250 in 2026). 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 – 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.
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ABM 401(k) Employee Savings Plan
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: Enrollment Window
Offering Period
Contribution Rate Changes1
Lock-out Period (15 days)2
April 1 - June 15
July 1 - September 30
July 1 - September 15
September 16 - 30 September 30
July 1 - September 15
October 1 - December 31 October 1 - December 16
Purchase Date3
December 17 - 31
December 31
October 1 - December 16
January 1 - March 31
January 1 - March 16
March 17 - 31
March 31
January 1 - March 16
April 1 - June 30
April 1 - June 15
June 16 - 30
June 30
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.
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Employee Stock Purchase Plan
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 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/Charter Balanced)
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 888.865.5813 Policy #9334 Hawaii 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 43
Directory of Resources
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 Maven mavenclinic.com/join/benefit support@mavenclinic.com Teladoc Health 800.TELADOC or 800.835.2362 teladoc.com (Registration code: ABM) help@teladochealth.com
Dental – MetLife
800.942.0854 metlife.com/mybenefits Policy #305807 Network: PDP
continued
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 – VSP
800.877.7195 vsp.com Web ID: ABM Policy #40168269 Network: VSP Choice
COBRA – UHC
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 Healthy Rewards 800.258.3312 myCigna.com
Voluntary Short Term Disability – Aflac
866.747.0048 uhcservices.com
800.433.3036 aflacgroupinsurance.com Group #24523
Life with Long Term Care – Chubb
HSA – Bank of America
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
Disability, Life, & AD&D – Lincoln Financial (for WGNSTAR only) 800.423.2765 LincolnFinancial.com
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 and NY DBL Disability insurance) 844.450.5543 English: standard.com/eforms/18390.pdf Spanish: standard.com/eforms/18390spu.pdf Spanish NY: standard.com/eforms/sny18390spu.pdf 44
Supplemental Insurance – Cigna Healthcare
Directory of Resources
888.221.9867 myhealth.bankofamerica.com
FSA/Commuter – WEX 866.451.3399 Claims fax: 866.451.3245 wexinc.com
Employee Assistance Program (EAP) – ComPsych 888.327.5769 Puerto Rico: 800.948.3913 compsych.com Web ID: ABM
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
continued
Gym & Wellness Resources – Wellhub wellhub.com/en-us Help center: support.wellhub.com Download the Wellhub app
ABM 401(k) Employee Savings Plan – Merrill 800.228.4015 888.221.9867 benefits.ml.com
Employee Stock Purchase Program (ESPP) – Merrill 800.813.9323 benefits.ml.com
45
Directory of Resources
This Benefits Enrollment Guide (Guide) is intended to highlight some of the major provisions of ABM’s benefits plans and is not to be relied upon as a complete or detailed representation of these plans. Please refer to the Summary Plan Descriptions (SPDs) for further details on the benefits plans. Should this Guide differ from the SPDs, the SPDs prevail. The benefits plans described in this Guide may be amended, changed, or terminated by ABM at any time without prior notice to, or consent by, team members to the maximum extent permitted by law. The benefits plans do not create any contractual relationship 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 applicable union contract and may differ from the benefits plans described in this Guide.