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 2025?
Open Enrollment begins Monday, November 11th through Friday, November 22nd
How do I enroll for my benefits?
What happens if I do not enroll for healthcare coverage?
If you do not enroll in coverage during your new hire enrollment or Annual Open Enrollment, you will not be able to make changes until next years open enrollment. If you experience a qualifying life event, you can make changes within 30 days of that event.
Will I receive new ID cards in 2025 for medical, dental or vision plans?
Employees that make changes to their benefit elections will receive a new ID Card. Anyone enrolled in the UHC HDHP plan will also receive a new card.
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.
Are limits changing in 2025?
Retirement Plan limits have increased for 2025. You can contribute 1-100% from your pay to the Plan up to $23,500. If you turn age 50 during the year, you can contribute an additional $7,500 to the Plan in 2025.
For a healthcare FSA, you may contribute from $200 to a maximum of $3,300 in 2025. Healthcare FSA funds are available to use as of January 1.
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 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