It’s important to plan for you and your family’s financial security in case the unexpected happens.

 

Overview

DISH provides basic life insurance and accidental death and dismemberment (AD&D) insurance to employees enrolled in the DMP at no cost. Basic disability insurance is provided to all employees at no cost. You also have the opportunity to purchase optional coverage.

Life and AD&D insurance plans

Basic life and AD&D insurance

If you elect the DMP, DISH provides company-paid employee life insurance coverage of $15,000.

Optional life and AD&D insurance

If you want additional coverage, you can buy optional life and AD&D insurance for yourself and your family.

Be sure to name a beneficiary

It’s important to designate a beneficiary to receive the benefit paid by a life insurance policy. As personal circumstances change, take the time to keep that information up to date. Log in through HR Link, accessible through either The HOP or OKTA to add or change a beneficiary.

 

Basic Life and AD&D Insurance

For employees enrolled in the DMP, DISH provides basic life and AD&D insurance to assist you and your family in the event of a death or serious injury. These benefits are fully paid by the company and coverage is automatic — you do not need to enroll.

Benefits are equal to:

  • Basic life insurance: $15,000
  • Basic AD&D insurance: $15,000
 

Optional Life & AD&D Insurance

DISH offers you Life and Accidental Death & Dismemberment (AD&D) insurance options through The Hartford. You can enroll or make changes to your coverage at any time during the year. To enroll, log in through HR Link, accessible through either The HOP or OKTA.

You pay the full cost of this coverage, which is provided through The Hartford. You must purchase coverage for yourself in order to purchase it for your dependents.

You may elect optional life and/or AD&D coverage in the following amounts:

Employee Increments of 1-5 times your salary (maximum of $1 million).
Spouse or domestic partner $1,000 increments, up to $150,000 (not to exceed your coverage).
Child(ren) 10% of employee optional life coverage, up to a maximum of $10,000. For children aged 14 days to 6 months, the maximum is $500.
Evidence of insurability

If you elect coverage over a certain benefit amount or after your initial enrollment period, it may require evidence of insurability (EOI), also known as proof of good health. After electing coverage, you will receive more information if EOI is required.

 

Disability Overview

The loss of income due to illness or injury can cause serious financial hardship for your family. Disability insurance provided through The Hartford replaces a portion of your income to help you continue paying your bills and meeting your financial obligations during this difficult time.

Disability insurance plans

Short-term disability

DISH provides company-paid coverage that pays you a disability benefit for up to 13 weeks. You also have the option to purchase additional STD coverage for extra financial protection.

Long-term disability

Long-term coverage protects you from the financial impact of an extended disability.

 

Short-Term Disability

  • Coverage is automatic and company-paid; no need to enroll.
  • Benefits begin after 7 days of disability.
  • Pays 60% of your salary, up to a maximum of $1,100 per week.
  • Benefits are paid for up to 13 weeks (including the seven-day waiting period).
  • Short-Term Disability coverage also provides benefits to women who are enrolled and become pregnant after the approved enrollment date.

STD buy-up

  • Coverage is optional and employee-paid; you can enroll as a new hire without having to provide proof of good health or during Annual Enrollment. To enroll, log in through HR Link, accessible through either The HOP or OKTA.
  • You may choose to purchase additional coverage:
    • Buy-Up Option 1: Pays 60% of your salary, up to a maximum of $1,500 per week.
    • Buy-Up Option 2: Pays 75% of your salary, up to a maximum of $3,000 per week.
  • Benefits are paid for up to 13 weeks (including the seven-day waiting period).
  • Benefits under the buy-up plans are not taxed since your premiums are paid with after-tax dollars.
 

Optional Long-Term Disability

  • Coverage is optional and employee-paid; you can enroll as a new hire or during Annual Enrollment. To enroll, log in through HR Link, accessible through either The HOP or OKTA. Coverage elected after your initial enrollment period may require evidence of insurability (EOI). After electing coverage, you will receive more information if EOI is required.
  • Benefits begin after you have been disabled for 90 days or longer.
  • Pays 60% of your salary, up to a maximum of $7,500 per month.

Considerations When You Have a Pre-Existing Condition

If you are electing optional Long-Term Disability insurance for the first time and you have a pre-existing condition, the following limitations apply.

The Hartford will not pay any benefit for a disability that results from or is caused or contributed to by a pre-existing condition unless, at the time you become disabled:

  • You have not received medical care for the condition for 12 months prior to the effective date; or
  • You have been continuously insured under the policy for 12 consecutive months.