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Benefits at IBM

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Insurance, Health & Wellness

  • Dental Insurance

    IBM offers two types of dental coverage administered by MetLife.

  • Disability Insurance

    Short-Term Disability Income Plan (up to 26 weeks) and Long-Term Disability Plan (3 coverage options).

  • Employee Assistance Program

    Short-term counseling for a variety of life events and everyday challenges including Work Stress; Coping with Change; Family/Parenting Issues; Grief or Bereavement; Anxiety or Depression; and Communicating Effectively.

  • Health Savings Account (HSA)

    For a medical plan with HSA: up to $300 in tax-free HSA contributions for self-only coverage or $850 for family coverage in addition to the company contribution ($500 for self-only or $750 for family).

  • Life Insurance

    One times your annual eligible pay, up to a maximum of $1 million. The IBM GLI plan includes a feature that allows terminally ill employees to have access to twenty-five percent (25%) to eighty percent (80%) of their benefits (up to $500,000).

  • PTO (Vacation / Personal Days)

    21 days. After 10 years of service it becomes 4 weeks. Plus 6 additional personal holidays (apart form 6 national).

  • Sick Time

    7 days. Carry over up to 56 hours of unused PST to the following calendar year, up to 112 total accumulated paid sick time hours.

  • Vision Insurance

    IBM offers two options for vision care: the IBM Vision Plan, which provides benefits for eye exams and eyewear, and the free EyeMed Vision Discount Plan, which helps you save money on eyewear purchases.
Transportation

  • Transport allowance

    Save up to a monthly amount of $270 for transit and $270 for parking by paying with pre-tax income.
Home

  • Adoption Assistance

    IBM pays 100% of eligible expenses related to the adoption of a minor child/ children or the attempts to have a child / children through surrogacy, up to a lifetime maximum of $20,000 per family.
Financial & Retirement

  • 401k

    100% match on the first 5% of base salary. Eligible employees have at least three ways to save: before-tax, after-tax, or through a Roth 401(k) option – or all three. After 1 year of service IBM contributes 1% to your account regardless of your savings levels.

  • Employee Stock Purchase Program (ESPP)

    Allows contributions up to 10% of base salary. 5% discount on purchase price of stock. Up to a maximum of $25,000 worth of shares in a calendar year.
Perks & Discounts

  • Employee Discount

    Discounts on products, services and programs available to you from IBM's clients, partners and vendors.

  • Tuition Reimbursement

    SoFi refinancing is available to IBMers, their spouses or domestic partners, children, grandchildren and other family members and friends at a 0.25% discount.
Other

  • Business Travel Accident Insurance Plan

    Up to five time’s annual compensation ($50,000 minimum).

  • Donation Match

    Up to $5,000 matched

  • Employee Referral Bonus Program

    Up to $5,000 for every successful referral who is hired by IBM.

  • IBM MoneySmart

    A comprehensive program providing financial education and planning designed to help U.S. IBMers ‘get smart’ about personal finance, is offered at no cost to you.

  • Mental Health Care Program

    Inpatient and outpatient treatment for emotional and psychological problems, substance abuse and related conditions.

  • Paid Care Leave, Bereavement time, Marriage Leave

    Up to 5 days

  • Post-Employment Medical Coverage

  • Special Care for Children Assistance Plan

    Up to a lifetime maximum of $50,000.

  • Thomas J. Watson Memorial Scholarship

    Awards for colleges or universities range from $2,000 to $8,000 per year. The amount for military academies is fixed as a one-time award of $2,000.

  • Volunteer Grants

    Community Grants are available to regular employees and retirees, featuring individual and team opportunities ranging from $500 to $2,000 in cash.