to top

Division of Pensions & Benefits

Alternate Benefit Program

The ABP is a tax-sheltered, defined contribution retirement program for certain higher education faculty, instructors, and administrators. ABP provides retirement benefits, life Insurance, and disability coverage, which can help provide security in retirement.

ABP Provider Webinars and Articles
Special Needs Planning

Voya Cares — Special Needs Planning

We could all use a little help planning for the future – and when you have special needs to consider, knowing where to start and what resources are available can be one of the biggest challenges. We’re committed to helping all Americans retire better and making a positive impact in the lives of people with disabilities as well as their families and caregivers. Visit Voya Cares to learn more.

Voya Cares Video

ABP Providers
Name Address Phone Other
333 Thornall Street, 8th Floor
Edison, NJ 08837
1-800-628-6673 N/A
Empower (formerly Prudential)
8515 E. Orchard Road
Greenwood Village, CO 80111
1-866-657-3327 TDD line: 1-877-760-5166
PO Box 825764
Philadelphia, PA 19182-5764

For assistance with enrollment and investments, please contact Yolanda Gonzalez at Gitterman Wealth Management:

Once enrolled, go to Empower (formerly MassMutual) to register your account.

Teachers Insurance and
Annuity Association/TIAA
155 Village Blvd, Suite A
Princeton, NJ 08540
1-800-842-8412 N/A
VOYA Financial Services
33 Wood Avenue South, Suite 600
Iselin, NJ 08830
Corebridge Financial (AIG)
100 Connell Dr # 2100,
Berkeley Heights, NJ 07922
908-470-4110 N/A
501 US Highway 22
Bridgewater, NJ 08807
1-800-543-2520 If you have a Legacy Travelers Account, please visit to access your account information. For additional questions, please contact your MassMutual Financial Professional or call Customer Service at 1-800-842-9406.
Default Provider for ABP Investments

ABP enrollees not designating an investment provider for their program contributions within 45 days of program participation are enrolled with the investment provider designated by the NJDPB as the default investment provider at the time of enrollment. The default investment provider is authorized to accept employer and employee mandatory contributions and will invest the funds in a money market fund. Contributions will continue to be sent to the default investment provider and invested in that money market fund until the ABP member designates an investment provider, completes an application with that investment provider, and notifies the employer of this action. If the member is subject to delayed vesting, and is enrolled with the default investment provider, the member is allowed to choose an alternate investment provider during the first year and transfer the contributions deposited to that alternate investment provider.

The NJDPB has considered the concerns of members, human resource managers, and the investment providers for the ABP, and has developed procedures to periodically select an investment provider to serve as the default provider. As a result, the NJDPB has determined the default provider for the current fiscal year (FY) covering July 1, 2023, through June 30, 2024, to be TIAA.


More videos are available to view in our Video Library

Retirement Types, Eligibility & Calculations

Retired Benefitsolver Guide

Solving MBOS Login Issues Part 1

Last Updated: Thursday, 06/20/24