Financial Security

Retirement Savings Plan

Veradigm cares about your financial well-being, which includes having the financial resources to enjoy life once you retire. That’s why starting in January 2023, you will be automatically enrolled in the Veradigm Retirement Savings Plan at 4% of your eligible pay. (If you are already enrolled at a higher percentage, that will continue.) You can increase, decrease or suspend contributions at any time by logging in or by calling Charles Schwab at 800.724.7526.

Veradigm will match dollar-for-dollar up to the first 4% of your contributions. The plan recognizes base pay, bonuses,commissions and other forms of pay for matching purposes.

The way you invest in your retirement savings account is completely up to you—your contributions, Veradigm’s match, and any funds you roll over from another account can all be invested in our core portfolio of funds, target date funds that match the year you think you’ll retire, or even in a brokerage account you can set up.

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.

Contribution limits

You can contribute up to the IRS limits to your 401(k) and Roth 401(k) (combined) each year. For 2023:

You will be able to contribute up to $22,500.
If you are age 50 or older, you can make additional catch-up contributions of up to $7,500.

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

Your contributions

You can contribute up to 70% of your eligible pay in the 401(k) before-tax, Roth 401(k) after-tax or a combination thereof.

Matching contributions

Veradigm will match dollar-for-dollar up to the first 4% of your contribution. 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.

Need assistance?

Charles Schwab

800.724.7526
Visit website

Downloads

Investing advice

Create your retirement blueprint with help from the investment team at CAPTRUST Financial Advisors.

Learn more

Can I take money from my account?

The retirement savings plan is designed to help you save for your future, so there are limits to why and when you can take a withdrawal from your account.

Learn more

What is a Roth IRA?

This account works just like a 401(k) account, except that your contributions will be deducted after taxes. These earnings will grow tax-free and can be withdrawn tax-free, beginning five years after you make your first contribution and you have reached age 59½ or have become disabled.

401(k) from previous employer?

You can roll over account balances from other employer-sponsored qualified 401(k) accounts into your Veradigm Retirement Savings Plan account. All you have to do is visit Charles Schwab and complete the Rollover Form, or you can call Schwab Participant Services at 800.724.7526 for assistance.

Employee Stock Purchase Plan (ESPP)

The Employee Stock Purchase Plan (ESPP) is a great opportunity for you to invest and share in Veradigm success.

When you enroll, you can use a portion of your paycheck to purchase Veradigm stock at a discounted rate. If you decide to enroll in the ESPP, you will elect a percentage of your paycheck to be withheld each pay period and credited to a stock purchase account. Your contributions will accumulate and then be used to purchase shares of Veradigm stock on the last business day of the calendar quarter. Contributions to the ESPP are made after-tax. Contributions will market value, (a 15% discount) based on the lower of the Veradigm closing share price or the offering period start or end date.

How the ESPP works

Who is eligible

Associates scheduled to work more than 20 hours a week.

Plan administrator

E*TRADE

When you can enroll

You are able to enroll in the months of February, May, August and November.

Purchasing limits

Up to 20% of each paycheck, credited to a stock purchase account on your behalf.

How are my purchases paid for

After-tax

Purchase discount

15% discount on Veradigm stock.

When deductions begin

The first paycheck after the enrollment period ends.

Changing contributions

You can adjust your contributions only during an enrollment period.

Vesting

You are 100% vested in your contributions.

When can you trade or sell?

You will be able to view, track and sell your shares online at E*TRADE (subject to the Veradigm Insider Trading Policy).

How to enroll

ESPP is administered through E*TRADE. You can enroll or change contributions at anytime during an open enrollment period. Refer to etrade.com/enroll to begin the process. Please note that you can withdraw from the plan at any time.

Your contributions will continue until one of the following occurs:

You lose eligibility
You withdraw from the plan
No further shares are authorized for purchase
The Board of Directors terminates the plan

If your employment with Veradigm ends during an offering period, the deductions taken during that offering period will be returned to you.

No interest is earned on ESPP deductions held by Veradigm during the offering period.

Life insurance

Life is unpredictable, and it’s important to always be prepared for the worst.

You automatically receive basic life insurance of two times your annual salary, up to a maximum of $1,000,000. Allscripts pays the full cost for this coverage.

You can also choose to take advantage of additional voluntary life insurance coverage, offered at group rates, for yourself and your eligible dependents.

Basic life insurance

Allscripts 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 Allscripts 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.

AD&D insurance

Accidental death and dismemberment (AD&D) coverage helps protect your family financially if you or a covered dependent dies or are seriously injured in an accident.

Allscripts provides basic accidental death & dismemberment (AD&D) insurance of two times your salary at no cost to you. For more protection, you can buy voluntary AD&D insurance coverage of up to ten times your annual salary, up to a maximum benefit of $1,000,000 – for yourself only or for yourself and your eligible dependents. You will pay for the entire cost of any voluntary AD&D coverage you elect. EOI is not required for this 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 Allscripts associate.
He/she is already designated as a “dependent” of another Allscripts 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 Allscripts 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 Allscripts associate.
A person already designated as a “dependent” of another Allscripts associate.

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

Disability coverage

Allscripts offers disability coverage to help protect a portion of your income if you cannot work for an extended period of time due to an illness, injury, or other condition.

Our short-term disability (STD) administrator is New York Life (formerly known as Cigna). If your disability extends to and is approved for long-term disability (LTD) benefits, the administration of your STD benefits will automatically transition to LTD benefits and will continue to be administered by New York Life. New York Life will work with you and your health care providers to manage your disability so that you can return to your regular activities as soon as practical.

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 Allscripts 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 Allscripts 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 Allscripts 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

Flexible Spending Accounts

Flexible Spending Accounts (FSAs) allow you to set aside pretax dollars that you can use to pay for eligible health and dependent care expenses. All contributions are deducted from your paychecks before taxes, helping to reduce your taxable income.

All Care Benefits Service Center will administer our flexible spending accounts (FSAs) which will be called MyChoice accounts.

Important note to 2022 FSA participants

If you have eligible expenses incurred in 2022, you have until March 31, 2023, to file a claim for reimbursement with WEX:

WEX Customer Support:
1-833-225-5939
www.wexinc.com

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 2023, you can contribute up to $3,050.

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 2023, you can contribute up to $3,050.

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 Allscripts 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. For 2023, 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.

Commuter spending accounts

The commuter accounts will no longer be offered after Dec. 31, 2023.

If you are currently enrolled in a commuter FSA and have a balance in your account as of Jan. 1, 2023, your commuter account will automatically be transitioned to a MyChoice account. You will be able to continue to spend the funds you have in your commuter account, but beginning Jan. 1, 2023, you will no longer be able to contribute additional funds. If you do not currently have a commuter account, you will not be able to enroll in one in 2023.

More details on eligible expenses >

Managing your flexible spending account

Flexible spending accounts are easy to use, and Veradigm makes it even easier to manage:

To make changes to your account (if you have a qualifying life event) go to www.allscriptsbenefits.com and click Start, then click Life Event.

Use it or lose it.

It’s important to note that you cannot use funds from one account to pay for or be reimbursed for expenses that are qualified for another account. For all flexible spending accounts, your contributions will be taken out of your paycheck in equal amounts during the plan year. The money goes into your flexible spending account before you pay any taxes on it.

You’ll lose any money left in your flexible spending accounts at the end of the plan year, so keep track of your balance and be sure to spend everything in your account.

Flex debit card

If you newly enroll in a general purpose healthcare flexible spending account or a limited purpose (combination) healthcare flexible spending account, you will receive a debit card to pay for eligible expenses. This is a great way to eliminate potential out-of-pocket costs that can occur at the time of purchase or service. One of the best features of the general purpose healthcare flexible spending account and limited purpose (combination) healthcare flexible spending account is that you can begin spending your total flexible spending account funds before the deductions are taken out of your paycheck, but remember—keep your receipts!

You cannot use your debit card for withdrawing cash from an ATM.

Debit card expense substantiation

In certain cases, you may be required to provide documentation to verify you used your debit card for eligible expenses under the plan. You are required to substantiate all debit card expenses or repay the plan the amount of the unsubstantiated claim. If you do not provide valid documentation for or repay the expense, the amount of the claim will be deducted from your pay or added to your W-2 as taxable income after the close of the plan year.