Life, Accident & Disability Insurance

EchoStar provides basic life insurance for all employees including those not enrolled in the medical plan. Basic short-term disability insurance is also provided to all employees at no cost. You also have the opportunity to purchase optional coverage.

Life and AD&D insurance plans

For benefit eligible employees, EchoStar provides basic life insurance coverage of $50,000 to assist you and your family in the event of a death. This benefit is fully paid by the company and coverage is automatic — you do not need to enroll.

If you want additional coverage, you can purchase supplemental life insurance for yourself and your dependents through New York Life. You can enroll or make changes to your coverage at any time during the year.

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

You may elect supplemental life insurance coverage in the following amounts:

Employee	Increments of $10,000 (maximum benefit is 10 times your annual salary or $1 million — whichever is less) Guarantee Issue (no EOI required) is 5 times your annual salary or $1 million — whichever is less
Spouse	Increments of $10,000 (maximum benefit is $250,000, but cannot exceed your coverage) Guarantee Issue (no EOI required) is $50,000
Child(ren)	$10,000

You can purchase supplemental AD&D insurance for yourself and your dependents through New York Life. You can enroll or make changes to your coverage at any time during the year.

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

You may elect supplemental AD&D insurance coverage in the following amounts:

Employee	Increments of $10,000 (10 times your annual salary or up to $1 million — whichever is less).
Spouse	$10,000 increments, up to $250,000 (not to exceed your coverage).
Child(ren)	$10,000

The loss of income due to illness or injury can cause serious financial hardship for your family. Disability insurance provided through New York Life 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).
  • The waiting period is waived for hospitalization.

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.
• Pays 70% of your salary, up to a maximum of $3,500 per week.
• Benefits are paid for up to 13 weeks (including the seven-day waiting period).
  • The waiting period is waived for hospitalization.
• 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 at any time of the year. 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 $15,000 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.

New York Life 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 3 months prior to the effective date; or
• You have been continuously insured under the policy for 12 consecutive months.

Maximum Benefit Period

LTD benefits will be paid to the later of the Employee's SSNRA* or the Maximum Benefit Period listed below.

Age When Disability Begins	Maximum Benefit Period
Age 62 or under	The Employee's 65th birthday or the date the 42nd  Monthly Benefit is payable, if later.
Age 63	The date the 36th Monthly Benefit is payable.
Age 64	The date the 30th Monthly Benefit is payable.
Age 65	The date the 24th Monthly Benefit is payable.
Age 66	The date the 21st Monthly Benefit is payable.
Age 67	The date the 18th Monthly Benefit is payable.
Age 68	The date the 15th Monthly Benefit is payable.
Age 69 or older	The date the 12th Monthly Benefit is payable.

*SSNRA means the Social Security Normal Retirement Age in effect under the Social Security Act on the Policy Effective Date.