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

Voluntary Worksite Benefits

Prescription Benefits

Vision Benefits

Life & Disability Benefits

Medical Benefits

Prescription Benefits

Dental Benefits

Vision Benefits

Retirement Benefits

Life & Disability Benefits

Voluntary Worksite Benefits

Frequently Asked Questions

When is Open Enrollment for 2024?

Open Enrollment runs from November 6th through November 17th, 2023.

How do I enroll for my benefits?
DBM Global members visit Paycom via your computer or smart phone.
GrayWolf and Banker Steel members visit ADP here.
What happens if I do not enroll for healthcare coverage?

Please refer to your designated Benefit Guide for details on how to enroll in coverage and if you need to take action. You may be required to elect, or re-elect previous coverage options, during Open Enrollment for the following reasons:

  • You are a GrayWolf employee. GrayWolf Employees that do not elect benefits during Open Enrollment will not have coverage in 2024.
  • 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 benefit plan offering.
  • 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.
  • 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 a 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 and Banker Steel members can visit ADP.

Will I receive new ID cards in 2024 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 cards will only be distributed for newly elected coverage. Vision ID Cards are electronic only; access your ID card online at eyemedvisioncare.com or on the EyeMed app.

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 2024?

Retirement Plan limits have changed for 2024. You can contribute 1-100% from your pay to the Plan (up to $23,000 for 2024). If you turn age 50 during the year, you can contribute an additional $7,500 to the Plan in 2024.

For a healthcare FSA, you must contribute at least $150 (not to exceed $3,200). 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 2023). 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.

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:

  • Birth/Adoption
  • Child Status Change
  • Death of a Dependent
  • Divorce
  • Marriage
  • Spouse Gains/Loses Coverage
  • Team Member Loses Coverage

Benefits Guides

DBM Global

GrayWolf

DBM Global

GrayWolf

Banker Steel

Helpful Resources

Glossary

Communication