Financial Security

Basic life insurance

Veradigm provides basic life coverage at no cost to you:

Benefit amount: 2 x your annual salary, rounded to the next higher $1,000, up to $1,000,000.
Evidence of Insurability (EOI): EOI may be required for reinstatements if required under the terms of the Certificate of Insurance.
Imputed income: Premiums paid by Veradigm for basic life insurance coverage amounts over $50,000 are considered non-monetary compensation, or “imputed income,” and per IRS guidelines, must be included as taxable income to you since imputed income is the value of a benefit you are receiving. The IRS establishes the cost per month for each additional $1,000 of coverage (above $50,000) based on age.
Coverage begins: If you are actively working, you are automatically enrolled in this coverage. If you are not actively at work on your hire or eligibility date, your coverage will become effective on the day you are actively at work

Your basic life insurance amount is based on your age and eligible earnings as of January 1 of the plan year (or as of your new hire/benefit eligibility date, if applicable). Your coverage will stay the same through December 31 of the plan year. Your eligible earnings include base pay and commissions paid in the preceding 12-month period.

Voluntary life insurance

You also have the option of electing voluntary life insurance coverage for you and your eligible dependents. For any voluntary life insurance coverage that you elect, you pay the full premium amounts.

Benefit amount: You can choose coverage of up to 5 x your annual salary, rounded to next higher $1,000, up to $1,000,000.
Evidence of Insurability (EOI): EOI is required for any coverage amount greater than $500,000; other situations such as elective increases or late application requires EOI to become insured for any amount. Review the Certificate of Insurance for more information.

Voluntary insurance coverage is based on your age and eligible earnings as of January 1 of the plan year (or as of your new hire/benefit eligibility date, if applicable). Your coverage and deductions will stay the same through December 31 of the plan year. Your eligible earnings include base pay and commissions paid in the preceding 12-month period.

Voluntary spouse or domestic partner life insurance

Benefit amount: From $25,000 up to $250,000 in increments of $25,000.
Evidence of Insurability (EOI): Necessary for amounts greater than $100,000 during initial enrollment. Required to become insured for any amount if electing coverage outside of your newly eligible period, and for elective increases.

Voluntary child(ren) life insurance

Benefit amount (2 options):
- $10,000 per child
- $25,000 per child
Evidence of Insurability (EOI): No EOI necessary.

Important to know about voluntary life insurance

If you are a new hire or newly eligible for benefits, you can elect up to $500,000 in voluntary life insurance on yourself and up to $100,000 in voluntary life insurance on your spouse within your new hire enrollment window without having to provide EOI to New York Life.
Some qualifying life events allow you to increase your voluntary life insurance by one multiple of your salary without having to provide EOI (up to certain amounts).
Your coverage elections subject to evidence of insurability will not become effective prior to the date New York Life approves the EOI.

Voluntary life insurance rates

Your cost for voluntary insurance is based on the coverage amount you choose and your age and eligible earnings as of January 1 of the plan year (or as of your new hire/benefit eligibility date, if applicable). Your coverage and deductions will stay the same through December 31 of the plan year.

See Voluntary life insurance rates for details.

What is evidence of insurability (EOI)?

Some Voluntary Life Insurance options require that you provide proof of good health before coverage can be offered. Evidence of Insurability, or EOI, is an assessment that provides proof of health as determined by the plan. For Veradigm, the EOI application is a medical questionnaire: it’s fairly simple and usually only takes about 15 minutes to complete.

Downloads

Definition of disability

You are considered “disabled” if, as a result of physical disease, injury, pregnancy or mental disorder:

You are unable to perform with reasonable continuity the material duties of your occupation,
You suffer a loss of at least 20% in your Indexed Pre-disability Earnings when working, and
You are under the regular care or supervision of a physician.

Short-term disability (STD)

STD coverage pays a benefit if you become disabled or unable to work because of a non-work-related illness, pregnancy, or injury for up to 182 days. This coverage is provided at no cost to you and is effective on your date of hire or benefit eligibility date. There are no exclusions for preexisting conditions. You cannot decline STD coverage.

Who is eligible

Full-time and part-time associates regularly scheduled to work 24 hours per week, effective the first day of employment.

Proof of loss

Required within 90 days from onset of disability.

Coverage maximum

Maximum weekly benefit is reduced by your deductible income, if any.

Continued coverage

Associates who are out on leave are required to continue paying their portion of benefit premiums. You will receive a letter with specific information regarding your benefits and premiums owed. You will submit payments directly to the Veradigm Benefits Department.

Long-term disability (LTD)

LTD coverage pays a benefit if a non-work or work-related injury, illness, or other condition prevents you from returning to work for longer than the 182-day STD period. You cannot decline LTD coverage.

Who is eligible

Full-time and part-time associates regularly scheduled to work 24 hours per week, effective the first day of employment.

Proof of loss

Required within 182 days after the end of the benefits waiting period.

Coverage maximum

$13,000 in taxable monthly benefits.

Continued coverage

Family and medical leave (FMLA)

Family and Medical Leave coverage provides unpaid job-protected leave for certain family and/or medical reasons. To be eligible, you must be employed by Veradigm for at least 12 months and have worked a minimum of 1,250 hours during the previous 12-month period.

Who is eligible

Those who are employed by Veradigm for at least 12 months, have worked a minimum of 1,250 hours during the previous 12-month period and have a health condition as defined under FMLA, or have a spouse, child or parent who has a serious health condition and needs care.

Proof of loss

Required within 18 days of the request.

Coverage maximum

Up to 12 weeks of unpaid job protected leave for a “rolling” 12-month period, measuring backward from the date of a FMLA leave usage.

Continued coverage

Basic AD&D insurance

If you are actively working, you are automatically enrolled in AD&D coverage of 2 x your salary, rounded to the next higher $1,000, up to a maximum of $1,000,000. If you are not actively at work on your hire or eligibility date, your coverage will become effective on the day you are actively at work.

AD&D insurance coverage is based on your age and eligible earnings as of January 1 of the plan year (or as of your new hire/benefit eligibility date, if applicable). Your coverage amount will stay the same through December 31 of the plan year. Your eligible earnings include base pay and commissions paid in the preceding 12-month period.

Voluntary AD&D insurance

You also have the option of electing voluntary AD&D insurance for you and your eligible dependents. For any voluntary AD&D insurance coverage that you elect, you pay the full premium amounts.

Benefit amount: You can choose coverage of up to 5 x your annual salary, rounded to next higher $1,000, up to $1,000,000.
Evidence of Insurability (EOI): EOI is required for any coverage amount greater than $500,000; other situations such as elective increases or late application requires EOI to become insured for any amount. Review the Certificate of Insurance for more information.

Voluntary AD&D insurance coverage is based on your age and eligible earnings as of January 1 of the plan year (or as of your new hire/benefit eligibility date, if applicable). Your coverage and deductions will stay the same through December 31 of the plan year. Your eligible earnings include base pay and commissions paid in the preceding 12-month period.

When you cover your eligible dependents with AD&D, they are insured as follows:

Spouse/domestic partner

Benefit amount: 50% of your AD&D coverage amount, up to a maximum benefit of $500,000.

Child(ren)

Benefit amount: 10% of your AD&D coverage amount. The maximum benefit for each child is $25,000.

Your dependent is not eligible for life and AD&D coverage if:

He/she is insured as an Veradigm associate.
He/she is already designated as a “dependent” of another Veradigm associate.

Voluntary AD&D Rates

For voluntary AD&D rates for yourself and your family, see Voluntary AD&D rates.

Qualifying accidents

AD&D insurance provides financial protection for you and your family if you die or are injured in an accident. This benefit does not take the place of life insurance as it only provides payment (full or partial payment depending on the loss) for death or qualifying dismemberment as a result of an accident. Some covered losses include:

Life
Hand
Foot
Speech
Hearing
Sight
Quadriplegia
Paraplegia
Hemiplegia

For a complete listing of covered losses and payout percentage, please refer to the certificate of coverage located on the Veradigm intranet benefits page.

Beneficiar(ies)

Remember to name your beneficiary!

It’s important to designate your beneficiaries when you first enroll in benefits and update your beneficiary information whenever your circumstances change. You may change your beneficiary designations at any time.

Ineligible dependents for AD&D coverage include:

A person insured as an Veradigm associate.
A person already designated as a “dependent” of another Veradigm associate.

To add or update your beneficiary for basic and AD&D and voluntary life, go to: VeradigmBenefitsUS.com.

Or, call the AllCare Benefit Service Center directly at 844.705.4101. You are always the beneficiary of any dependent life and/or AD&D coverage.

How it works

Who is eligible

Regular full-time and part-time associates who are at least age 18 and working at least 20 hours per week.

Plan administrator

Charles Schwab

When you can enroll

You can enroll in the retirement savings plan within five days following your first paycheck and you will enter the plan on the first day of the month following your eligibility.

Automatic enrollment

If you don’t enroll within 30 days after you’re eligible to participate, Veradigm will enroll you automatically, at a pre-tax contribution rate of 4%. Your contributions will be invested in a T. Rowe Price Retirement Hybrid Trust Fund unless you select otherwise.

Annual savings adjustments

To make things even easier, the Plan offers savings adjustments to help you increase your savings rate—automatically. Go to workplace.schwab.com to enroll in automatic savings adjustments.

Contribution limits

You can contribute up to the IRS limits to your 401(k) and Roth 401(k) (combined) each year. For 2025:

You will be able to contribute up to $23,500.
If you are age 50 or older, you can make additional catch-up contributions of up to $7,500.
Effective Jan. 1, 2025, if you are age 60 – 63 you can contribute an additional 50% of the traditional catch up limit up to $11,250 per year of catch-up contributions.

You can change your contributions to a higher or lower amount at any time during the year.

Your contributions

Pre-tax You may contribute up to 70% of your eligible compensation on a pre-tax and/or Roth 401(k) basis each pay period. The IRS limits the amount you can contribute in a given year. Your total pre-tax and Roth 401(k) contributions cannot exceed the annual IRS limit. The limits are set annually and can be found at workplace.schwab.com.
Roth 401(k) Your Plan allows you to make Roth 401(k) contributions. Your contribution will be withheld on an after-tax basis. Withdrawals of your contributions and any earnings will not be subject to taxes, provided that any distribution from this account occurs at least five years following the year you make your first Roth 401(k) contribution to the Plan and you have reached age 59½ or become disabled. As a reminder, your combined pre-tax and Roth 401(k) contributions cannot exceed Plan contribution limits or the annual IRS limit.
Catch-up If you will be age 50 or older before December 31, you may be able to make additional catch-up contributions to the Plan. The IRS limits are set annually and can be found at workplace.schwab.com. Catch-up contributions may be made on a pre-tax and/or Roth 401(k) basis.
After-tax You may contribute up to 70% of your eligible compensation after taxes each pay period not to exceed the annual IRS limit. You will not have to pay additional taxes upon withdrawing these contributions. Any earnings on after-tax contributions will be subject to ordinary income tax and, if taken prior to age 59½, a 10% federal tax penalty at withdrawal. This After-tax option does not qualify for the company match.

Matching contributions

Veradigm will match dollar-for-dollar up to the first 4% of your contribution in the Pre-tax; Roth 401(k); Catch-up contributions. The plan recognizes base pay, bonuses, commissions and other forms of pay for matching purposes.

When deductions begin

Typically, your next scheduled payroll once you enroll, after the administration process is complete.

Changing contributions

You can increase, decrease or suspend contributions at any time. Contributions to your account cannot be forfeited for any reason.

Vesting

You are 100% vested in your and Veradigm contributions.

When you can make withdrawals

In-service withdrawals are allowed in certain situations specified by your retirement plan.

Loans
Leave of absence
Termination
Hardship
Retirement
Disability
Death

How to enroll

You have multiple ways to enroll:

Online: workplace.schwab.com, or
App: workplace.schwab.com/mobile

Create a login using the Register Now button. Be sure to have this information handy: Social Security number, date of birth, zip code and email address.

You can also enroll by calling the Schwab Plan Hotline at 800.724.7526. Once you’re enrolled, you can make changes to your investment and savings elections at any time.

You can typically change the investment allocations of your existing account balances, change the investment selections for future contributions, or change your beneficiary(ies) as often as you like, though changes may take time to process.

Investment options

When you enroll in the retirement savings plan, you have a variety of investment options to help you build, diversify and maintain your savings over time.

For help with your investments

Target Date Retirement Funds
Funds designed and professionally managed based on a target retirement date year.
Morningstar
An independent investment advisor that provides personalized savings and investment recommendations, at no cost to you.
Risk Based Model Portfolio
A mixture of funds based on a selected level of risk and are constructed from funds that exist in the Plan’s current fund lineup.

For more information, contact Schwab Participant Services at 800.724.7526.

To invest on your own

Plan-selected Funds
A broad solution of funds representing a variety of asset classes.
Personal Choice Retirement Account (PCRA)
For experienced investors, provides additional funds beyond the Plan- Selected Funds, and may have some transaction fees and trading costs. For more information, contact the PCRA team at 888.393.7272.

General purpose healthcare FSA

This account allows you to be reimbursed for eligible medical, prescription, dental, and vision care expenses incurred during the benefit plan year.

For 2025, you can contribute up to $3,300 to your account.

If you are enrolled in the Cigna HRA, Cigna PPO, Kaiser HRA or Kaiser HMO plan, you can use the general purpose healthcare flexible spending account to pay for copays, deductibles and coinsurance related to your or your dependents’ eligible medical, dental and vision care or prescription drug costs.

Note: If you are a participant in the Cigna HSA plan or Kaiser HSA plan, you are not eligible to elect the general purpose healthcare flexible spending account option; however, you can enroll in the limited purpose (combination) healthcare flexible spending account.

Eligible healthcare expenses

Eligible expenses are medically necessary expenses not covered by your medical, dental or vision plans, including:

Deductibles and copayments
Your share of covered expenses
Dental and orthodontia expenses
Prescription glasses, contact lenses and lens cleaning solution
Laser vision correction
Prescription drugs and drug copayments

Eligible expenses do not include: cosmetic procedures, treatments not supervised by a qualified health care professional, premiums for employer-provided health care plans or other expenses that are not medically necessary.

For a full list of eligible expenses, see IRS Publication 502.

Limited purpose healthcare FSA

If you are a participant in the Cigna HSA or Kaiser HSA plan, you may enroll in a limited purpose (combination) healthcare flexible spending account which works in addition to your health savings account (HSA).

For 2025, you can contribute up to $3,300 to your account.

You can use the limited purpose (combination) healthcare flexible spending account to pay for eligible dental, vision and preventive brand prescription expenses only.

Once you have met the IRS statutory plan deductible of $1,500 for individual or $3,000 for family, you can use the limited purpose (combination) healthcare flexible spending account like a general purpose healthcare flexible spending account for all qualified healthcare expenses, including IRS-approved medical expenses not covered under Veradigm Prescription Drug Coverage, such as over-the-counter (OTC) medications. A prescription is required for OTC medicines.

Eligible healthcare expenses

Eligible expenses are out-of-pocket expenses not covered by your dental or vision plans, including:

Your share of covered expenses
Dental and orthodontia expenses
Prescription glasses, contact lenses and lens cleaning solution
Laser vision correction

Eligible expenses do not include: medical expenses, including deductibles and copayments, prescription drugs, cosmetic procedures, treatments not supervised by a qualified health care professional, premiums for employer-provided health care plans or other expenses that are not medically necessary.

Dependent care FSA

This account can be used to pay for eligible dependent care expenses on a before-tax basis for a qualifying child or relative. You can contribute up to $5,000.

You can use this account for dependent care expenses incurred so you and your spouse can work, or so your spouse can attend school full time. If your spouse stays home full time, you are not eligible for the tax benefit.

Eligible expenses

To be eligible, care must be provided while you (and your spouse, if you are married) work, look for work or attend school full time. Eligible expenses include care in your home by an eligible provider or at a licensed facility. You will not be reimbursed for residential or “sleep-away” care, nursing home care or for babysitting when you are not at work.

The Dependent care flexible spending account will not cover services provided by your spouse, a child of yours under age 19 or any dependent you claim as an exemption on your federal income tax.

For a complete list of eligible expenses, see IRS Publication 503.

Managing your flexible spending account

Managing your MyChoice FSA account(s) is easy. You can access your account balance at any time through the All Care Benefits Service Center:

Go to veradigmbenefitsus.com.
Use the MyChoice Mobile AppSM to access the system through your mobile device.
Call the phone number listed on the back of your debit card.

If you have a qualifying life event during the year, you can make changes to your account by going to veradigmbenefitsus.com and click Start, then click Life Event.

Financial Security

Life insurance

Basic life insurance

Voluntary life insurance

Voluntary spouse or domestic partner life insurance

Voluntary child(ren) life insurance

Important to know about voluntary life insurance

Voluntary life insurance rates

What is evidence of insurability (EOI)?

Downloads

Disability coverage

Definition of disability

Short-term disability (STD)

Who is eligible

Proof of loss

Coverage maximum

Continued coverage

Long-term disability (LTD)

Who is eligible

Proof of loss

Coverage maximum

Continued coverage

Family and medical leave (FMLA)

Who is eligible

Proof of loss

Coverage maximum

Continued coverage

AD&D insurance

Basic AD&D insurance

Voluntary AD&D insurance

Spouse/domestic partner

Child(ren)

Voluntary AD&D Rates

Qualifying accidents

Beneficiar(ies)

Remember to name your beneficiary!

Retirement Savings Plan

How it works

Who is eligible

Plan administrator

When you can enroll

Automatic enrollment

Annual savings adjustments

Contribution limits

Your contributions

Matching contributions

When deductions begin

Changing contributions

Vesting

When you can make withdrawals

How to enroll

Investment options

For help with your investments

To invest on your own

Flexible Spending Accounts

General purpose healthcare FSA

Note: If you are a participant in the Cigna HSA plan or Kaiser HSA plan, you are not eligible to elect the general purpose healthcare flexible spending account option; however, you can enroll in the limited purpose (combination) healthcare flexible spending account.

Eligible healthcare expenses

Limited purpose healthcare FSA

Eligible healthcare expenses

Dependent care FSA

Eligible expenses

Managing your flexible spending account