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 and RX Benefits
Dental Benefits
Vision Benefits
401(k) Retirement Benefits
Life & Disability Benefits
Medical and RX Benefits
Vision Benefits
Life & Disability Benefits
Dental Benefits
401(k) Retirement Benefits
Voluntary Worksite Benefits
Medical and RX Benefits
Dental Benefits
Vision Benefits
401(k) 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
When is Open Enrollment for 2026?
What is a Qualifying Life Event?
A Qualifying Life Event is a significant change in your personal or family situation that allows you to make changes to your benefit elections outside of the Annual Open Enrollment period.
You have 30 days from the date of the event to make changes.
QLEs include, but are not limited to:
- Birth / Adoption
- Marriage, Divorce or Legal Separation
- Employee Gains / Loses Coverage
- Dependent Gains / Loses Coverage
- Eligibility Status Change
- Death of a Dependent
Here are examples of approved documents you can provide to HR, should you experience a QLE.
- Marriage Certificate/License
- Birth Certificate or Hospital Birth Record
- Carrier Confirmation of Other Coverage
- Court Documents
- Death Certificate
What happens if I do not enroll in benefits?
How do I find an In-Network Provider?
Where can I get a new ID card?
Medical ID cards can be printed or a new one can be requested by sign in to myuhc.com.
(If you have elected electronic communications with UHC, a new ID will not be mailed each year, it will be available online only.)
How can I find what prescription medications are covered by my plan?
To get familiar with your prescription drug coverage, it’s best to sign in to myuhc.com.
After signed in, go to pharmacy and prescription coverage to:
- Locate a network pharmacy
- See if your medications have any requirements, like prior authorization or step therapy, before filling them
How do I download the United Healthcare app?
If you’re a member, you can download the UnitedHealthcare app using your mobile device to access your health plan details, get digital ID cards, find network providers and more.
What is covered under my dental plan?
The following summary provides covered services under our plan.
For more information, download the Delta Dental mobile app or www.deltadentalaz.com to create an account.
How do I find an In-Network Dentist?
Prior to enrolling in benefits, you can find Delta Dental Dentists with the provider search tool.
- Go to deltadentalaz.com/find
- Choose a specialty and Delta Dental PPO or Premier Network from the drop-down menus
- Follow the prompts to choose the location you want to search
- Click Find Dentist to see the providers that meet your search criteria
How do I access my HSA or FSA?
HealthEquity administers both the HSA and FSA benefits. Log in to www.my.healthequity.com to access your account.
What is a Health Savings Account (HSA)?
Am I required to contribute to my HSA?
Eligible employees that elect the HDHP medical plan will be automatically enrolled in an HSA. Employees are not required to contribute; however, you must have an active account to be eligible for Employer Contributions.
DBMG will contribute:
- Employee Only: $400
- Employee + Dependents or Family: $800
(These contributions are split into two payments in late January and July. You must be actively enrolled in the plan on the contribution date.)
What is a Flexible Spending Account?
A Flexible Spending Account allows you to set aside pre-tax dollars from each paycheck to pay for eligible medical, dental, and vision out-of-pocket expenses.
To participate in the Healthcare FSA, you must be enrolled in one of the following plans:
- UHC $500 Deductible Plan
- UHC $2,000 Deductible Plan
- Delta Dental of Arizona Plan
Employees enrolled in the High Deductible Health Plan with HSA, are only eligible for the Limited Purpose FSA that only covers dental and vision expenses. (No medical expenses are allowed)
Where can I find a list of eligible expenses?
A complete list of eligible expenses is available at www.my.healthequity.com
How can I change my 401(k) contributions?
Changes to your contributions must be made directly with Principal.
Go to www.principal.com or by contacting the Principal Customer Support Center at (800) 547-7754
When calling, you will be asked several questions to verify your identity including:
- Company Name: DBM Global
- Policy Number: 3-27432
It is important to use DBM Global rather than the specific company you work for
I did not enroll in the 401(k), why do I have deductions taken out of my paycheck?
Eligible employees are automatically enrolled to contribute 6% of their eligible pay in the Principal 401(k) plan. Employees are eligible the first of the month following 30 days of employment.