Life, Accident & Disability Insurance

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

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

DISH offers you Life 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 insurance coverage in the following amounts:

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

• 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.

• 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.