800-426-4968 The management of retirement benefits and investment plans is undertaken by the IBM Retiree Service Center. Assistance regarding benefits and claims is provided to former employees by the service center. The provision of support for retirees, including the handling of benefits and enrollment, is executed by the center.
Contact for IBM Non-US Employees
+1 914-499-4000 Service for IBM Retirement Benefits
1-888-937-0720Handling of IBM Social Security Number (SIN)
1-877-405-3631 Support for IBM Retiree Health Care Insurance Benefits
1-855-359-7380 Management of IBM Long Term Care Policy
1-800-255-8991 Assistance for Retiree IBM Alumni Club
1-651-377-8893 Service for Term Life Insurance
800-642-6904 Contact for IBM Australia Employees
+1 914-499-4000 Contact for IBM Canada Employees
+1 914-499-4000IBM Retiree Health Insurance
1-866-214-0977Option #1 should be selected for health benefits.
eshelp@ca.ibm.com Benefits by IBM Retiree Service Center
IBM, a technology-driven corporation, provides a multitude of IT-related products and solutions. Its market presence spans the globe, boasting extensive employee resources stationed at diverse locations. Various benefits are extended to retired workers or employees by IBM's employment service center. The benefits encompass:IBM Healthcare Benefits Services
A comprehensive employee healthcare benefit program is administered, encompassing diverse aspects of employee well-being and preventive care. This program provides extensive coverage for medical exigencies, emergency hospitalization, and safeguards against severe injury or illness.IBM Income Protection Service
A financial support plan is formulated to bolster employee income protection. This program furnishes assistance in cases of severe illness, injury, or demise. Additionally, the income protection plan encompasses life insurance and disability benefits.IBM General Retirement Benefit Support
Retirement benefits, comprising retirement savings and other capital accumulation initiatives, are facilitated. This program ensures financial assistance post-retirement.IBM Travel Benefit Service
IBM enables employees to access travel benefits for vacation, personal leave, and holiday plans.IBM Medicare for Retirees
Retired employees aged 65 or above qualify for health insurance and prescription support through the Medicare assistance program.IBM Dental and Vision Benefit Support
The employee benefit program additionally encompasses dental coverage to address various dental care needs. Vision benefits encompass eye care assistance and routine eye examinations.
Eligibility for IBM Retiree Benefits
IBM offers employee benefit enrollment services from the first date of hire. The retirement benefits will be counted from the first date of joining. The regular IBM employee is eligible for all benefit programs. The health care coverage includes benefits like medical, dental, and vision care available for employees, eligible spouses, and eligible children. To enroll for the benefits, use the
NetBenefits portal and fill personal details along with information about benefits.
IBM Employee Assistance Program
The Employee Assistance Program (EAP) offered by IBM is designed to furnish employees with mental, social, and emotional support. Various issues aimed at safeguarding the emotional well-being of employees are encompassed within the program. The benefits provided by the program include:
- Elder and childcare services
- Relationship support
- Stress management
- Work/life balance
- Family issues
- Grief and loss
- Depression and Anxiety
- Substance misuse
- Self-esteem and personal development
IBM Retiree Discount
IBM extends a spectrum of discounts and benefits to both active and retired employees encompassing health, the 401(k) plan, and other capital accumulation programs, as well as income protection, vocational support, and more.
IBM Retirement Program Service
This program is engineered to furnish financial security for the future through insurance schemes such as cutting-edge 401(k) plans, among others.
Health, Life, and Disability Benefits
Employees are presented with an extensive array of options tailored to address specific personal or familial circumstances. Enrollment is facilitated upon joining IBM and remains flexible for annual adjustments during the enrollment period. Payment shares for these benefits are deducted through payroll deductions.
IBM Capital Accumulation and Investment
IBM 401(k) Plus Plan
Eligible employees are provided with three options to save income for future retirement: before-tax, after-tax, or via a Roth 401(k) option. Employees have the flexibility to choose all three options simultaneously.
Save Before-tax
This method allows employees to save up to 80% of their income by matching it with savings to reduce taxable income.
Save After-tax
With this method, employees can save up to 10% of their income on an after-tax basis. This flexible option does not require employees to adhere to IRS savings limits.
Roth 401(k)
This plan enables savings on an "after-tax basis now." It should be noted that any investment growth in the payment contribution will be tax-free upon withdrawal at a later date. For comprehensive benefits assistance, contact the IBM Benefits Center, managed by Fidelity, at
866-937-0720 or (TTY:
800-426-6537).
Deaf and Hard of Hearing Service
Accessible at
800-426-6537 8:30 a.m. to 6:00 p.m. ET.IBM Overseas Service Support
To avail overseas service support, dial the country’s toll-free AT&T Direct access number, then enter
866-937-0720 TTY:
800-426-6537. For those residing in the U.S., call
800-331-1140 to obtain AT&T Direct access numbers.
Employees Stock Purchase Plan (ESPP)
The plan affords eligible IBM employees the opportunity to purchase IBM stock at a 5% discount from the market rate. Details regarding this offer can be obtained by dialing
866-937-0720 or (TTY:
800-426-6537).
IBM Retiree Fidelity Investments Service Center
The IBM Retiree Fidelity service constitutes the pension plan for both active and former employees, encompassing benefits such as medical and dental coverage. Contact the Fidelity service center by dialing
866-937-0720 (TTY:
800-426-6537).
What is IBM MoneySmart Benefits Support?
It is a comprehensive program provided by IBM to equip employees with financial education and planning resources for prudent management of personal finances. Consultations are confidential and conducted via one-on-one phone counseling with MoneySmart coaches, offered free of charge. Access complete IBM HR benefits and support information at
Benefits and HR Programs.
IBM Retiree Canada Employee Benefit & Support
IBM Canada extends flexible benefits and support to active and former employees. The "Flexible Benefits Plan" enables employees to align benefit plans with their individual needs. Options within the IBM Canada flexible benefits plan include:
1. Supplemental Health
2. Dental
3. Personal Emergency Travel Assistance Plan (Medi-Passport)
4. Employee / Spouse/Partner / Children’s Life Insurance
5. Employee / Spouse/Partner / Children’s Accidental Death, etc.
For comprehensive benefit support from IBM Canada, refer to
IBM Canada Benefits.