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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.

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.

ABP Providers
Name Address Phone Other
AXA Financial (Equitable)
333 Thornall Street, 8th Floor
Edison, NJ 08837
1-800-628-6673 N/A
30 Scranton Office Park
Scranton, PA 18507
1-855-652-2711 TDD line: 1-877-760-5166
MassMutual Retirement Services
379 Thornall Street
Edison, New Jersey 08837
Teachers Insurance and
Annuity Association/TIAA
155 Village Blvd, Suite A
Princeton, NJ 08540
1-800-842-8412 N/A
VOYA Financial Services
581 Main Street, 6th Floor
Woodbridge, NJ 07095
135 Route 202/206, Suite 13
Bedminster, NJ 07921
908-470-4110 N/A
501 US Highway 22
Bridgewater, NJ 08807
1-800-543-2520 N/A
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 August 1, 2019, through July 31, 2020, to be Variable Life Insurance Company (VALIC). The NJDPB will provide notification of future fiscal year default providers at a future date.

MassMutual is the designated default provider for the period August 1, 2020, through June 30, 2021.


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Last Updated: Tuesday, 09/22/20