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
Frequently Asked Questions
When is Open Enrollment for 2022?
DBM Global’s Open Enrollment runs from November 1-November 12, 2021.
GrayWolf Open Enrollment runs from December 1-December 12, 2021.
What happens if I do not enroll for healthcare coverage?
This year’s Open Enrollment will be a passive Open Enrollment, meaning you will NOT need to re-enroll in benefits. You will automatically be enrolled into the UnitedHealthcare plan most closely matching your current plan. For most of you, that means your benefits will remain similar to what they are today.
You will only need to take action for the following items:
- You are electing coverage for medical, dental or vision for the first time.
- You are making a change to your medical, dental or vision plan selection.
- You are adding, dropping or changing dependents.
- You are dropping medical, dental or vision.
- You are enrolling in the new High Deductible Health Plan and choose to open a Health Savings Account.
- You are interested in enrolling or making a change in ancillary coverage (Accident or Critical- Illness).
- You are interested in enrolling or making a change to your Annual Flexible Spending Account elections.
- DBM Global will be offering a Limited Flexible Spending Account as well as a Healthcare Flexible Spending Account for 2022.
- You are interested in enrolling in Voluntary Life Insurance, Voluntary Short-Term Disability and Voluntary Long-Term Disability. (These benefits are not open enrollment benefits. Anyone who did not enroll when first eligible will be subject to medical underwriting (Evidence of Insurability) and can be denied coverage.)
- You need to update your life beneficiary.
Does Paycom have an app to assist me in enrolling for my benefits?
Yes. DBM Global members may access the app directly from your phone by downloading from the Google Play or Apple App Store. Search for Paycom. GrayWolf members can contact Enrollment Benefit Concepts (EBC) to enroll and ask questions. EBC is available by phone at (513) 371-5555.
Will I receive new ID cards in 2021 for medical, dental or vision plans?
Yes, you will receive a new medical ID card whether or not your coverage changes, as long as you elect coverage. Dental and Vision cards will only be distributed for newly elected coverage.
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 guaranteed 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 2022?
Retirement Plan limits have changed for 2022. You can contribute 1-100% from your pay to the Plan (up to $20,500 for 2022). If you turn age 50 during the year, you can contribute an additional $6,500 to the Plan in 2022.
For a healthcare FSA, you must contribute at least $150 (not to exceed $2,850). Healthcare FSA funds are available to use as of January 1.
For a dependent care FSA, you must contribute no more than $5,000 (same as 2021). Please note, if you are married and file a separate income tax return, the maximum you can contribute is $2,500.
What is a Dependent Care Account and how is it used?
It is a pre-tax benefit that is used to pay for eligible day care services and 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, we will not be doing onsite benefits meetings as this year’s open enrollment is passive, meaning that you will not need to enroll unless you are making changes to your current elections.
What is a deductible and how does it work?
A deductible is the amount you have to pay out-of-pocket for medical expenses before the insurance company will cover any benefit costs for the year. If your deductible is $2,000, your insurance plan will begin to help with payments once you’ve reached that amount. Review your plan to see which expenses count toward your deductible. Remember, in-network preventive care visits are always 100% covered.
What is a qualified life event?
Employees have 30 days to make a change to current benefits.
Qualified life events include:
- Child Status Change
- Death of a Dependent
- Spouse Gains/Loses Coverage
- Team Member Loses Coverage
What changes should GrayWolf employees expect?
We are linking an FAQ detailing the changes you should expect for 2022 as well as some of the benefit and resources that are staying the same.