Alliance Building Services
Benefits Portal
2025–2026
2025–2026
Office Employees · Plan Year: Aug 1, 2025 – Jul 31, 2026
Enrollment Platform
Employee Navigator (eNavigator)
Questions? Email HR
hrofficebenefits@alliance.us
Key Deadlines
Jul
14
Open Enrollment Begins
Enrollment window opens Monday 7/14.
NFP webinars: — invites sent separately
Mon 7/14 @ 10am
Wed 7/16 @ 4pm
Jul
20
Open Enrollment Ends
All elections must be submitted in eNavigator by Sunday 7/20 at 11:59pm. No changes accepted after this date without a qualifying life event.
Jul
31
Affidavits Due & Genomic Life Ends
Return completed Tobacco Use and Spousal Affidavits by Jul 31. Genomic Life benefit is discontinued on Jul 31 — submit continuation form if you wish to keep coverage on your own.
Aug
1
New Plan Year Begins
All 2025–2026 elections take effect. New carrier alert: Dental, Vision, and Life are with new carriers this year. Alliance will not administer Genomic Life after this date.
Oct
1
Wellness Form Deadline
New participants: 60 days to submit Physician Form + Lab Report. Existing participants: 30 days from last physical or Oct 1 — whichever is later. Physicals from 5/1/2025–7/31/2025 qualify. Submit to hrofficebenefits@alliance.us.
FSA
Every Year
FSA Elections Don't Roll Over
Health Care FSA and Dependent Care FSA elections must be actively re-elected each year in eNavigator. They do not carry forward automatically.
How to Enroll in eNavigator
New employees: Register at employeenavigator.com/Benefits/Account/Register using Company Identifier ABSOFFICE and your last 4 SSN as your PIN.
Returning employees: Log in at employeenavigator.com/benefits/Account/Login
Click Start Enrollment → Enroll in Your Benefits → Get Started and step through each benefit category.
Add dependents before selecting plans. Have each dependent's full name, SSN, gender, and date of birth ready.
Review your Enrollment Summary, click Click to Sign, and confirm the screen reads "Acknowledged and Submitted."
Complete the Tobacco Attestation honestly — inaccurate answers may result in retroactive surcharge charges.
Medical Plans — Meritain Health & ProAct Pharmacy
EPO Low
In-Network Only
Deductible: $3,000 / $6,000
OOP Max: $6,000 / $12,000
PCP / Specialist: $25 / $35 copay
Urgent Care: $50 copay
ER: $225 copay
Coinsurance: 20%
OOP Max: $6,000 / $12,000
PCP / Specialist: $25 / $35 copay
Urgent Care: $50 copay
ER: $225 copay
Coinsurance: 20%
EPO Medium
In-Network Only
Deductible: $2,000 / $5,000
OOP Max: $6,000 / $12,000
PCP / Specialist: $20 / $30 copay
Urgent Care: $50 copay
ER: $225 copay
Coinsurance: 20%
OOP Max: $6,000 / $12,000
PCP / Specialist: $20 / $30 copay
Urgent Care: $50 copay
ER: $225 copay
Coinsurance: 20%
PPO High
In + Out-of-Network
Deductible (in): $2,000 / $5,000
OOP Max (in): $4,000 / $10,000
PCP / Specialist: $10 / $30 copay
ER: $225 copay
Coinsurance: 20% in / 50% out
HRA Funding: Employer covers first $1,000 of deductible (up to $1,000/$2,500)
OOP Max (in): $4,000 / $10,000
PCP / Specialist: $10 / $30 copay
ER: $225 copay
Coinsurance: 20% in / 50% out
HRA Funding: Employer covers first $1,000 of deductible (up to $1,000/$2,500)
All plans include Rx via ProAct · Retail 30-day: $0 / $25 / $60 · Mail order 90-day: 2× retail · Rx deductible: $50/$100 · Preventive care: $0. EPO plans cover in-network only — out-of-network claims are not paid except in a life/limb emergency. Medical rates include vision coverage costs.
Semi-Monthly Payroll Contribution Rates — Effective Aug 1, 2025
| Coverage Level | Semi-Monthly Rate | Rate w/ Spousal Surcharge |
|---|---|---|
| EPO Low Plan (includes Vision) | ||
| Employee Only | $100.00 | $150.00 |
| Employee + Spouse / DP | $319.00 | $394.00 |
| Employee + Child(ren) | $277.50 | $327.50 |
| Family | $459.00 | $559.00 |
| EPO Medium Plan (includes Vision) | ||
| Employee Only | $130.00 | $180.00 |
| Employee + Spouse / DP | $370.00 | $445.00 |
| Employee + Child(ren) | $315.00 | $365.00 |
| Family | $525.00 | $625.00 |
| PPO High Plan (includes Vision) | ||
| Employee Only | $255.00 | $305.00 |
| Employee + Spouse / DP | $520.00 | $595.00 |
| Employee + Child(ren) | $487.50 | $537.50 |
| Family | $860.00 | $960.00 |
| Dental — The Standard (no spousal surcharge) | ||
| Employee Only | $15.00 | No surcharge |
| Employee + Spouse / DP | $27.50 | No surcharge |
| Employee + Child(ren) | $32.00 | No surcharge |
| Family | $45.00 | No surcharge |
All contributions are pre-tax. The spousal surcharge ($100/month = $50 semi-monthly) applies when your spouse has access to employer-sponsored coverage elsewhere. Submit the Spousal Surcharge Affidavit to HR to waive it.
Surcharges — How to Avoid Extra Costs
Tobacco Surcharge
$120/mo
Applied to tobacco users & enrolled spousesCigarettes, e-cigarettes, cigars, pipe tobacco, and chewing tobacco. Vaping is not subject to the surcharge.
How to waive
Option 1 — Non-user: Submit the Tobacco-Free Affidavit during enrollment.
Option 2 — Quit program: Complete WellRight "No Butts" + "Tobacco Cessation University" or "Health Coach" challenge within 3 months.
Option 2 — Quit program: Complete WellRight "No Butts" + "Tobacco Cessation University" or "Health Coach" challenge within 3 months.
Free Rx help
Nicotine gum, patches, Chantix, inhalers & nasal spray — $0 copay via ProAct (max 2 × 90-day courses). Call ProAct: 877-635-9545
Spousal Surcharge
$100/mo
Applied when your spouse has coverage available at their employerApplies to medical only — not dental or vision. Deducted pre-tax.
Exempt if…
Spouse is not employed · works at ABS · covered by Medicare / Medicaid / TRICARE · on COBRA · employer doesn't offer coverage · or employer charges employee 100% of the premium.
To waive
Submit the Spousal Surcharge Affidavit to HR certifying your spouse does not have access to employer-sponsored medical coverage.
Wellness Surcharge
Applied if…
You skip the annual wellness requirementsAnnual physical + fasting labs (Lipid Panel + Glucose) + biometrics. All enrolled dependents over 18 must also complete.
Deadlines
Current participants: 30 days from last physical or by Oct 1 — whichever is later.
New participants: 60 days / by Oct 1.
New participants: 60 days / by Oct 1.
Submit to
Physician Screening Form + official lab results (with name, DOB, test date) → hrofficebenefits@alliance.us. Physicals from 5/31/2025 onward accepted.
Required Affidavits & Forms
Tobacco-Free Affidavit — Employee
For non-tobacco users or those tobacco-free ≥ 6 months. Required at enrollment.
No Tobacco Use Affidavit — Spouse
Required if your enrolled spouse is also tobacco-free. Both must sign.
Spousal Surcharge Affidavit
Waives the $100/month surcharge. Certifies spouse has no access to employer coverage.
Physician Screening Form
Annual wellness requirement. Submit with official lab results to hrofficebenefits@alliance.us.
Other Benefits
Dental
The Standard · Ameritas
Preventive: 100% in + out-of-network
Basic (fillings): Ded, then 80%
Major (crowns): Ded, then 50%
Annual max: $1,500 · Ded: $50/$150
Max Rollover: Unused balance rolls over (up to $1,000).
Basic (fillings): Ded, then 80%
Major (crowns): Ded, then 50%
Annual max: $1,500 · Ded: $50/$150
Max Rollover: Unused balance rolls over (up to $1,000).
Vision
The Standard · VSP Choice
Exam: $10 copay (every 12 mo)
Lenses: $10 copay (every 12 mo)
Frames: $150 allowance + 20% off
Contacts: $150 allowance
Included free with any medical election. Network: Costco, Walmart, LensCrafters, Target Optical.
Lenses: $10 copay (every 12 mo)
Frames: $150 allowance + 20% off
Contacts: $150 allowance
Included free with any medical election. Network: Costco, Walmart, LensCrafters, Target Optical.
Basic Life & AD&D
The Standard · Employer Paid
Life benefit: $50,000 (auto-enrolled)
AD&D: Up to 100% additional
Accelerated death: Up to 80% if terminal
Age reductions: 35% at 65 · 50% at 70.
AD&D: Up to 100% additional
Accelerated death: Up to 80% if terminal
Age reductions: 35% at 65 · 50% at 70.
Short-Term Disability
The Standard · Employee Paid
Benefit: 60% of weekly earnings, max $1,500/wk
Begins: 8th day of injury / illness
Duration: Up to 90 days
Eligible: 1st of month after 30 days of hire
Premium varies by age. Example at 40 ($50k salary): ~$12.69/mo.
Begins: 8th day of injury / illness
Duration: Up to 90 days
Eligible: 1st of month after 30 days of hire
Premium varies by age. Example at 40 ($50k salary): ~$12.69/mo.
Flexible Spending Accounts
American Benefits Group
Health Care FSA: Up to $3,300/yr
Dependent Care FSA: Up to $5,000/yr ($2,500 filing separately)
Commuter: Up to $325/mo for transit + parking separately.
Dependent Care FSA: Up to $5,000/yr ($2,500 filing separately)
Commuter: Up to $325/mo for transit + parking separately.
Voluntary Benefits
Aflac · Employee Paid
Hospital Indemnity · Cancer Care · Accident · Dental · Short-Term Disability · Term Life · Whole Life.
Eligible 1st of month after 30 days. Cash paid directly to you. All policies fully portable.
Eligible 1st of month after 30 days. Cash paid directly to you. All policies fully portable.
Wellness Program Requirements
Required to avoid wellness surcharge
All enrolled dependents over 18 must also complete.
1
Annual Physical Exam
Complete a full annual physical. Physicals dated on or after 5/31/2025 are accepted.
2
Fasting Lab Work
Required: Lipid Panel (Total / HDL / LDL Cholesterol + Triglycerides) and Fasting Glucose. Blood must be drawn by venipuncture — finger sticks are not accepted.
3
Biometrics
Your physician must record: Blood Pressure, Height, Weight, and Waist Circumference on the Physician Screening Form.
4
Submit Documentation
Email your completed Physician Screening Form + official lab report (must include your name, DOB, test date, and results) to hrofficebenefits@alliance.us. A physician's letter alone is not sufficient.
When Can I Change My Coverage?
Your elections are locked in for the full plan year unless you experience a Qualifying Life Event (QLE). Contact HR within 30 days of the event to make a change.
Marriage, divorce, legal separation, annulment, or death of spouse
Birth, adoption, or placement of a foster child
Change in employment status — you, your spouse, or domestic partner
Change in work hours affecting benefits eligibility
Dependent losing eligibility (e.g., child turning 26)
Entitlement to Medicare or Medicaid
Plan Documents & Forms
How to activate links: Upload each PDF to Squarespace (Settings → Developer Tools → File Storage), copy the URL, then replace
#PASTE-URL-HERE in the HTML with that URL. Each file will open in a new tab.
Plan Guides
2025–2026 Benefits Guide
Full plan overview — medical, dental, vision, FSA, life, disability & more
Short-Term Disability Flyer
Overview of voluntary STD coverage — rates, eligibility & how to enroll
⚠ Replace #PASTE-URL-HERE with your Squarespace URL
Required Forms — Submit to HR
Physician Screening Form
Annual wellness requirement. Complete with your doctor & submit with lab results to hrofficebenefits@alliance.us by Oct 1
⚠ Replace #PASTE-URL-HERE with your Squarespace URL
Spousal Surcharge Affidavit
Waives the $100/mo surcharge. Certifies your spouse does not have access to employer-sponsored coverage
⚠ Replace #PASTE-URL-HERE with your Squarespace URL
Tobacco-Free Affidavit — Employee
Complete if you are a non-tobacco user or have been tobacco-free for 6+ months. Required during enrollment to waive the $120/mo surcharge
No Tobacco Use Affidavit — Spouse
Required if your enrolled spouse is also tobacco-free. Both employee and spouse must sign
Genomic Life Program
Genomic Life Continuation Form — English
Leaving employment? Submit within 60 days to continue your genomic & precision cancer program via direct billing
⚠ Replace #PASTE-URL-HERE with your Squarespace URL
Formulario de Continuación — Español
Versión en español del formulario de continuación del programa Genomic Life para empleados que se separan
⚠ Replace #PASTE-URL-HERE with your Squarespace URL
Key Contacts
Ready to enroll? Log into eNavigator now.
Company Identifier: ABSOFFICE · PIN: last 4 digits of your SSN
Questions? Email hrofficebenefits@alliance.us or call NFP Client Advocate Nancy Reis at 914-712-6260 x22196.
Go to eNavigator →
Questions? Email hrofficebenefits@alliance.us or call NFP Client Advocate Nancy Reis at 914-712-6260 x22196.