Welcome to Livewise

Livewise was created with you and your family in mind to help enhance your experience with DBM Global’s benefits program. We’re committed to providing helpful and convenient resources to support how you understand and use what’s included in your benefits.

For a deeper breakdown of each section of the benefits program, simply scroll down and click one of the the icons or select an option from the menu above. If you have further questions, you can always contact us directly for more personalized support. Over time we’ll continue to add or update information that may affect you or help you further, so we hope you’ll check back often.

Explore Employee Benefits

Medical Benefits

Vision Benefits

Prescription Benefits

Retirement Benefits

Dental Benefits

Life & Disability Benefits

Medical Benefits

Dental Benefits

Retirement Benefits

Prescription Benefits

Vision Benefits

Life & Disability Benefits

Medical Benefits

Prescription Benefits

Dental Benefits

Vision Benefits

Retirement Benefits

Life & Disability Benefits

Frequently Asked Questions

What do I need to know for Annual Enrollment for 2021?

For a step-by-step walkthrough for Annual Enrollment, click here.

When is Annual Enrollment for 2021?

Annual Enrollment runs from November 16–November 30, 2020.

What happens if I do not enroll for healthcare coverage?

You will not have healthcare coverage effective Jan. 1, 2021.

Will my current healthcare benefit elections in Empyrean rollover to Paycom?

No. This year Annual Enrollment is ACTIVE enrollment which requires you to elect coverage in the new DBM Global benefit system, Paycom.

Does Paycom have an app to assist me in enrolling for my benefits?

Yes. You may access the app directly from your phone by downloading from the Google Play or iTunes store. Search for Paycom.

Where may I find my current healthcare elections?

You may find current elections on Empyrean through Dec. 31, 2020.

Will I receive new ID cards in 2021 for medical, dental or vision plans?

No, you will only receive a new ID card if you’re enrolling for coverage in medical, dental or vision plans for the first time.

If I did not enroll for Voluntary Life Insurance before, will I be required to complete a health questionnaire now when I elect coverage?

During Annual Enrollment, evidence of insurability (EOI) will be required to increase your life insurance coverage or request an amount above the guarantee issue. New hires can request coverage up to the guaranteed issue amount without having to answer medical questions.

In relation to Voluntary Life Insurance, what is Guaranteed Issue and Evidence of Insurability?

Guaranteed Issue (GI) is to guarantee a specific benefit amount that is approved automatically without further health questions or exams needed. Evidence of Insurability (EOI) is a health questionnaire.

When does the medical deductible restart?

Deductibles reset on a calendar year basis.

What is the benefit of being enrolled on a Disability Plan?

In the event you cannot work and are out for a period of time due to an illness or disability, a disability plan replaces income. Also known as “disability income”.

Are limits changing in 2021?

There will be no changes to Dependent Care Account or Retirement Plan limits for 2021.

What is a Dependent Care Account and how is it used?

A pre-tax benefit that is used to pay for eligible day care services, before or after school programs for children under the age of 13. This also applies to adult care.

Will there be any onsite benefit meetings provided during Annual Enrollment?

No. Benefits has partnered with IT and are sending laptops to shops to provide support for you when enrolling for healthcare coverage.

Will there be a Health Savings Account or Flexible Spending Account in 2021?

No, we will not be offering a Flexible Spending Account or Health Savings Account (HSA) in 2021. Due to the structure of the DBM Global Medical Plan (copay-based plan), by law we are not able to offer an HSA.

What is a deductible and how does it work?

A deductible is the amount of money that you pay before your health plan begins paying for your medical bills. Even though the plan does not start paying until your deductible has been met, it is important to submit claims to the plan. The plan discounts procedures by allowing only a percentage of Medicare to be charged. Learn how it works (PDF).

2021 Benefit Guides & Tutorial

Helpful Resources

Glossary

Communication