2019 Benef it s Summar y

DISH 2019 Benefits

Summary
!

For more information about DISH’s employee

benefits, check out www.dishbenefits.com.

Medical Plan
DISH offers you the DISH Medical Plan (DMP) through
UnitedHealthcare (UHC). This plan allows you to
see any doctor you like; however, when you choose
Effective March 1, 2019 – February 29, 2020
a doctor in the UHC network, you receive an in-
This summary highlights DISH’s benefit options for network discount. The plan includes prescription drug
2019/2020. DISH offers comprehensive benefits for coverage.
you and your family, including:
DISH Medical Plan (DMP)
• Medical, dental, and vision plans;
In-Network Out-of-Network
• Flexible spending accounts;
• Income protection coverage; and Deductible
Employee Only $2,500
• Retirement savings opportunities.
Family $5,000 1
DISH also gives you an opportunity to receive Coinsurance Plan pays 70% after Plan pays 50% after
Company contributions to your Health Savings Account deductible deductible
(HSA) by completing wellness activities, which include Preventive Care Plan pays 100% Plan pays 50% after
a Tobacco-Free Pledge and the Rally Health Survey. deductible
Pharmacy (Retail and Mail Plan pays 70% after Plan pays 50% after
Eligibility for Dish Benefits Order) deductible deductible
Out-of-Pocket Maximum
If you’re a regular employee (non-temporary or (includes deductible)
contract) working an average of at least 30 hours Employee Only $6,000 None
per week, you are eligible for DISH healthcare and Family $12,0002 None
insurance benefits on the first day of the month 1 All family members’ medical and prescription expenses contribute toward the
following 60 days of employment. family deductible. No claims are reimbursed under the plan coinsurance until
the total family deductible of $5,000 has been met.
If you would like to participate in the DISH 401(k) 2 Regardless of whether an individual is enrolled in Employee Only coverage
retirement savings plan, you must be a regular (non- or Family coverage, the annual in-network out-of-pocket maximum for that
individual can’t exceed $6,850.
temporary or contract) employee and at least 19 years
old. If you would like to participate in the employee
stock purchase plan, you must be regularly scheduled
to work more than 20 hours per week.

1 FOR ASSISTANCE, CALL THE BENEFITS TEAM AT 303-723-1370 OR 866-395-8083

 2019 Benef it s Summar y

Health Savings Account (HSA) Dental Plan Options

When you enroll in the DISH Medical Plan (DMP), you You can choose from three dental plans: the Cigna
are eligible to open a Health Savings Account (HSA) DHMO, the MetLife Basic Indemnity Plan, and the
through Optum Bank. An HSA is a tax-advantaged MetLife High Indemnity Plan. Through the Cigna plan,
account that helps pay for health care expenses. You you’re required to choose an in-network dentist. Both
can contribute money on a pre-tax basis and use it MetLife plans allow you to see any dentist you like;
to pay for current health care expenses (with an HSA however, when you choose a dentist in the MetLife
debit card), save for future health care expenses or Preferred Provider network, you receive an in-network
both. Note: If you contribute to an HSA, you are discount.
not eligible to contribute to a Health Care Flexible
Spending Account. Cigna DHMO MetLife Basic MetLife High
Indemnity Indemnity
Earn DISH HSA Contributions Required to see a Yes No No
When you accept the pledge to be tobacco-free network provider?
and complete the Rally Health Survey, you can earn
Annual Deductible None
a Company contribution to your HSA. DISH will Employee Only $50 $50
contribute $20 per pay period if you complete both Family $150 $150
activities (which can add up to $520 per year). Preventive Flat fee per Plan pays Plan pays
Services (Oral procedure1 100% 100%
HSA Contribution Limits
Examinations and
Cleanings)
2019 Annual If You So You Can
Contribution Complete Contribute Up Basic Restorative Flat fee per Plan pays Plan pays
Limits (Total Both Wellness To … Services (X-Rays, procedure1 80% after 80% after
of DISH + Activities1, Fillings, Simple deductible deductible
employee DISH Extractions)
contributions) Contributes … Major Restorative Flat fee per Not covered Plan pays
Employee Only $3,500 $520 $2,980 Services (Crowns, procedure1 50%2 after
Dentures, Bridges) deductible
Family $7,000 $520 $6,480
Orthodontia Flat fee per For covered For covered
55 or Older Maximum plus procedure1 children up children up
(includes an additional to age 26: to age 26:
deductible) $1,0002 plan pays plan pays
Employee $4,500 $520 $3,980 50%; $1,000 50%; $1,000
Only separate separate
Family $8,000 $520 $7,480 lifetime lifetime
1 In
order to earn the DISH contribution, you must complete the tobacco-free maximum2 maximum2
pledge and the Rally Health Survey. DISH will contribute $20 per pay period (this
Annual Maximum None $1,500 per $1,500 per
amounts to total contributions of $520 per year).
2 To
Benefit person person
use the HSA catch-up contributions, contact the DISH Benefits Team.
1 The Cigna DHMO fee schedule is available on www.dishbenefits.com.
2 12-month waiting period for certain services; 6-month waiting period for root
canals.

CIGNA DHMO NETWORK

Visit www.mycigna.com to find Cigna dental

providers in your area. The Cigna DHMO
isn’t available in Alaska; Hawaii; Maine;
Montana; New Hampshire; North Dakota;
Puerto Rico; South Dakota; Wyoming;
Harlingen, TX; Bloomington, IL; Pembroke, VA;
Christiansburg, VA; and Bluefield, WV.

2 FOR ASSISTANCE, CALL THE BENEFITS TEAM AT 303-723-1370 OR 866-395-8083

 2019 Benef it s Summar y

Vision Plan Options Flexible Spending Accounts

DISH offers you two vision plan options through A Flexible Spending Account (FSA) allows you to use
VSP. The enhanced plan allows you to see any vision pre-tax dollars to pay for qualified expenses.
provider you like; however, when you choose a
provider in the VSP network, you receive an in-network FSA Annual Pre-Tax Qualified Expenses
Contribution Limit
discount.
Health Care FSA1 $2,700 • Coinsurance, copay
Exam Plus Plan Enhanced Vision amounts, and
Plan deductibles
• Prescription
Required to see a Yes No, but you get a
medications
VSP Provider? discount when you
• Contact lenses and
see a VSP provider
cleaning solutions
Annual Well Vision $15 copay $15 copay
Dependent Care $5,000 (or $2,500 if • Day care expenses
Exam
FSA you’re married and file • Nanny expenses
Lenses and Frames1 20% discount Plan pays up to separately) • Elder care expenses
$160; you get a 20%
discount on any Transportation $265 per month for • Bus, rail, and other
amount you pay over FSA transit transit expenses
$160 $265 per month for • Parking expenses
parking
Contact Lens Exam 15% discount 15% discount, copay (These limits are subject
will not exceed $60 to change)
1 I f
Contacts1 N/A Plan pays up to $160 you are enrolled in the DMP and participating in the HSA, you are not eligible
to also enroll in a Health Care FSA.
1 Covered
lenses include single vision, lined bifocal and lined trifocal for glasses
OR contact lenses every 12 months. Frames are covered every 24 months.

3 FOR ASSISTANCE, CALL THE BENEFITS TEAM AT 303-723-1370 OR 866-395-8083

 2019 Benef it s Summar y

Life And Accident Insurance

GUARANTEED COVERAGE FOR
When you enroll in the DISH Medical Plan (DMP), you
NEW HIRES
automatically receive $15,000 of basic life and $15,000
of accidental death and dismemberment insurance at If you elect Optional Life Insurance when
no cost. You also have the opportunity to purchase you are first hired, or when you have a
optional coverage. qualified midyear change of life event, the
guaranteed amounts you can purchase
without having to complete an Evidence of
Optional Life Insurance Insurability Application are:
Increments of Maximum Coverage • $500,000 for you;
Coverage
Employee Life 1x – 5x annual salary, $1,000,000 • $50,000 for your spouse; and
rounded to the next
• 10% of your coverage amount, up to
higher $1,000
$10,000, for each qualified dependent
Spouse Life Increments of $150,000
child.
$1,000, up to 100% of
Employee Optional The maximum coverage amounts shown in
Life coverage
the table to the left apply to the guaranteed
Dependent Life (for 10% of employee $10,000 amounts shown above.
children six months or coverage
older)1
1 For children age 14 days to 6 months, the maximum coverage amount is $500.

DISABILITY INSURANCE 401(k) Retirement Savings Plan

You have the option to purchase optional disability You are automatically enrolled in the 401(k) Retirement
coverage. Savings Plan on the first day of the month following 90
days of service. You will be enrolled for contributions
equal to 3% of your pay. You also may choose to
Optional Short-Term Disability increase your contribution amount up to the IRS
maximum each year ($19,000 in 2019), and you have
Coverage Maximum Waiting Period Length of
both regular pretax and Roth post-tax contribution
Amount Coverage Coverage
Amount options to choose from. Alternatively, you may choose
to decrease your contribution or stop your enrollment
60% of $1,500 per 14 days after Up to 13 weeks
weekly salary, week disability in the plan. If you are age 50 or older, you also have the
reduced by option of making up to $6,000 in additional catch-up
other disability contributions to your 401(k) account. Contact Fidelity
earnings directly to establish a 401(k) catch-up contribution.

DISH will match your contributions at $0.50 for every

Optional Long-Term Disability $1 you contribute, up to $2,500 per year. You are
vested in the Company match after 5 years of service.
Maximum Coverage Length of Disability
Coverage Amount
Amount
60% of monthly $7,500 per month 90 days or longer Profit Sharing
salary, reduced
by other disability In addition to Company matching contributions, DISH
earnings may make discretionary profit-sharing contributions
to your 401(k) account each year. DISH’s 401(k) plan
eligibility and vesting rules apply to this discretionary
contribution.

4 FOR ASSISTANCE,
FOR ASSISTANCE, CALLCALL
THETHE BENEFITSTEAM
BENEFITS AT 303-723-1370
TEAM AT 303-723-1370 OROR
866-395-8083
866-395-8083
 2019 Benef it s Summar y

Employee Stock Purchase Plan Time Off

After 90 days of service, you may choose to purchase
DISH stock through post-tax paycheck deductions.
Stock is purchased at the end of each quarter at a
15% discount of the fair market value of the trading
price. Please note: New elections and any changes to
deductions are subject to DISH’s Insider Trading Policy.
DISH provides you with one time off “bank” called
Paid Time Off or PTO. You can use PTO however you’d
like — for vacation, personal days or sick time, making
it easy for you to use and track your time off. You’ll
accrue PTO each pay period, and you can keep time
in your PTO bank up to 1.5 times your annual accrual
amount. The amount of time off you receive depends
on your length of service and pay status (see below
for details). In addition, all employees are eligible
for seven paid holidays during the year (New Year’s
Day, Memorial Day, Independence Day, Labor Day,
Thanksgiving, Day after Thanksgiving and Christmas).

Hourly Employees
Tenure1 Per Pay Period Annual Maximum PTO
Accrual2 Accrual Bank Amount
1st pay period 3.0769 80 hours 120 hours
after 60 days
of employment
through 2nd
anniversary
1st pay period 4.6153 120 hours 180 hours
after 2nd
anniversary
through 5th
anniversary
1st pay period 6.1538 160 hours 240 hours
after 5th
anniversary

Salaried Employees
Tenure1 Per Pay Period Annual Maximum PTO
Accrual2 Accrual Bank Amount
1st pay period 4.6153 120 hours 180 hours
after 60 days
of employment
through 5th
anniversary
1st pay period 6.1538 160 hours 240 hours
after 5th
anniversary
1 Service must be continuous.
2 Accrual rates may vary based on state and local laws.

5 FOR ASSISTANCE, CALL THE BENEFITS TEAM AT 303-723-1370 OR 866-395-8083

 2019 Benef it s Summar y

Other Benefits
DISH also offers discounts and perks in addition to
traditional health, insurance, and retirement benefits.

Discounted DISH Programming

On the first day following 30 days of employment, you
are eligible to receive DISH programming, including the
following benefits:

• America’s Top 250 Channels — FREE

• Local channels — FREE

• Sling TV — $5 per month

• HBO, Showtime, Cinemax and Starz — FREE

You don’t need to provide any credit card information. Contacts

Plus, installation and activation is free. To sign up, visit
The HOP, click Benefits, and then click Sign Up under Vendor Contact Information
the DISH-Scriber section. Benefits Team Phone: 866-395-8083 (toll-free); 303-723-1370
(external)
Email: HR.benefits@dish.com
Tuition Reimbursement UnitedHealthcare Phone: 844-253-3954
After 90 days of employment, you are eligible to (UHC) Website: w
 ww.welcometouhc.com/DISH
(pre-members)
participate in the tuition reimbursement program.
www.myuhc.com (current members)
DISH will reimburse 75% of eligible expenses, up to
MetLife Dental Phone: 800-438-6388
$2,000 for hourly employees and $5,000 for salaried
Website: www.metlife.com/mybenefits
employees. Any courses must be completed at an
accredited college or university and must be related Cigna Dental Phone: 800-244-6224
Website: www.cigna.com
to your role at DISH. Preapproval is required, and
you must receive a grade of a “B-” or better to be Vision Service Phone: 800-877-7195
Plan (VSP) Website: www.vsp.com
reimbursed.
Maestro Health Phone: 888-488-5054
(Flexible Website:
Employee Discount Directory Spending www.mywealthcareonline.com/maestrohealth
Accounts)
You can access exclusive discounts from brands
Aetna (Life Group Life Customer Service/Claims:
including Dell, Disney, Target, Costco, Sephora, Insurance, STD, 800-523-5065
Urban Outfitters, Express, Ann Taylor, AMC LTD) Group Disability Customer Service/Claims:
Theatres, Cirque Du Soleil, and more. Visit 888-714-4402
www.dishemployeedeals.com for more information. Website: www.aetnadisability.com
Fidelity 401(k) phone: 800-835-5095
Investments 401(k) website: www.401k.com
ESPP phone: 800-544-9354
ESPP website: www.netbenefits.com

This brochure provides a summary of DISH’s benefit plans. If there are any
discrepancies between this brochure and the plan documents, the plan
documents will govern.

6 FOR ASSISTANCE, CALL THE BENEFITS TEAM AT 303-723-1370 OR 866-395-8083

 2019 Benef it Eligibilit y Grid

Insurance Eligibility and Enrollment 401(k)

Deadlines1 401(k): Eligible the first of the month following 90 days of
service4
Medical, Dental, Vision, Disability, and Life Insurance:
Eligible the first of the month following 60 days of Month of Hire 401(k) Effective Date
benefit eligible service January 1, 2019  April 1, 2019

January 2, 2019 – January 31, 2019 May 1, 2019

Enrollment Insurance
Date of Hire
Deadline Effective Date February 1, 2019 – March 3, 2019 June 1, 2019
January 1, 2019 – January 31, 2019 March 15, 2019 April 1, 2019 March 4, 2019 – April 2, 2019 July 1, 2019
February 1, 2019 – March 2, 2019 April 15, 2019 May 1, 2019 April 3, 2019 – May 3, 2019 August 1, 2019
March 3, 2019 – April 2, 2019 May 15, 2019 June 1, 2019 May 4, 2019 – June 3, 2019 September 1, 2019
April 3, 2019 – May 2, 2019 June 15, 2019 July 1, 2019 June 4, 2019 – July 3, 2019 October 1, 2019
May 3, 2019 – June 2, 2019 July 15, 2019 August 1, 2019 July 4, 2019 – August 3, 2019 November 1, 2019
June 3, 2019 – July 3, 2019 August 15, 2019 September 1, 2019 August 4, 2019 – September 2, 2019 December 1, 2019
July 4, 2019 – August 2, 2019 September 15, 2019 October 1, 2019 September 3, 2019 – October 3, 2019 January 1, 2020
August 3, 2019 – September 2, 2019 October 15, 2019 November 1, 2019 October 4, 2019 – November 3, 2019 February 1, 2020
September 3, 2019 – October 2, 2019 November 15, 2019 December 1, 2019 November 4, 2019 – December 1, 2019 March 1, 2020
October 3, 2019 – November 2, 2019 December 15, 2019 January 1, 2020 December 2, 2019 – January 2, 2020 April 1, 2020
November 3, 2019 – December 3, 2019 January 15, 2020 February 1, 2020

December 4, 2019 – December 31, 2019 February 15, 2020 March 1, 2020
Employee Stock Purchase Plan
January 1, 2020 – January 31, 2020 March 15, 2020 April 1, 2020
Eligibility
Paid Time Off Accrual ESPP: Eligible the first of the quarter following 90 days of
service5
Hourly Employees Month of Hire Enrollment Deadline ESPP Effective Date

Tenure2 Per Pay Annual Maximum January 1, 2019 March 15, 2019 April 1, 2019
Period Accrual PTO Bank
January 2, 2019 – April 2, 2019 June 15, 2019 July 1, 2019
Accrual3 Amount
April 3, 2019 – July 3, 2019 September 15, 2019 October 1, 2019
1st pay period after 60 days of 3.0769 80 hours 120 hours
employment through 2nd anniversary July 4, 2019 – October 3, 2019 December 15, 2019 January 1, 2020

October 4, 2019 – January 1, 2020 March 15, 2020 April 1, 2020

1st pay period after 2nd anniversary 4.6153 120 hours 180 hours
through 5th anniversary

1st pay period after 5th anniversary 6.1538 160 hours 240 hours

Salaried Employees
Tenure2 Per Pay Annual Maximum
1 Rehire Guidelines
Period Accrual PTO Bank
Accrual3 Amount • Employees rehired within 30 days will automatically be re-enrolled in any medical, dental,
vision, FSA health care, FSA dependent care, life and disability elected at the time of
1st pay period after 60 days of 4.6153 120 hours 180 hours separation.
employment through 5th anniversary
• Rehires will not be automatically enrolled in the 401(k).
1st pay period after 5th anniversary 6.1538 160 hours 240 hours • Employees rehired within 31 – 365 days after separation must enroll within 30 days of
their rehire date. These elections will be effective on the first day of the month following
their rehire date.
• Employees converting from a contract position who have met 60 days of service will have
an effective date of the first of the month following their DISH hire date.
• Contact the Benefits Team for any questions pertaining to rehire benefit eligibility.
2 Service must be continuous.
3 Accrual rates may vary based on state and local laws.
4 You are automatically enrolled at 3%. To change your contribution, decline enrollment
and manage your account contact Fidelity at 800-835-5095 or www.401k.com.
5 Once eligibility has been met, employees are able to elect ESPP on or before the 15th
of the month prior to the start of the following quarter for an effective date of the first of
the month. New elections and any changes to deductions are subject to DISH’s Insider
Trading Policy.

7 FOR ASSISTANCE, CALL THE BENEFITS TEAM AT 303-723-1370 OR 866-395-8083

 2019 Benef it Rate Sheet
Ef fec tive March 1 , 2019 – Februar y 29, 2020

Medical (per pay period)

Coverage DISH Medical Plan (DMP)
Employee Only $50.00
Employee + One $100.00
Employee + Two $150.00
Each Additional Dependent $10.00 per dependent

Dental (per pay period)

Coverage Cigna DHMO MetLife Basic Indemnity MetLife High Indemnity
Employee Only $5.84 $6.33 $12.61
Employee + One $10.45 $12.52 $24.12
Employee + Two $16.07 $17.84 $34.26
Employee + Three or More $18.99 $24.06 $37.55

Vision (per pay period)

Coverage Exam Plus Plan Enhanced Vision Plan
Employee Only $0.43 $2.96
Employee + One $0.69 $4.14
Employee + Family $1.25 $7.42

Supplemental Life Insurance (per pay period, rate per $1,000 of coverage)*
Employee Life Employee Life
Age Group Spouse Life2 Dependent Life3
Non-Tobacco User 1 Tobacco User 1 Multiply rate by $1,000’s coverage
Under 25 $0.012 $0.023 $0.017 unit.
$0.017 (coverage for
25 – 29 $0.017 $0.027 $0.021 your children under For example: A 40-year old non-
age 26) tobacco using employee earning
30 – 34 $0.021 $0.037 $0.024
$50,000: 50 x $0.037 = $1.85
35 – 39 $0.024 $0.040 $0.028
1Maximum Benefit: One to five times
40 – 44 $0.037 $0.045 $0.041
annual salary up to $1 million. You’re
45 – 49 $0.057 $0.068 $0.062 considered a “tobacco user” if you have
used any tobacco products in the last
50 – 54 $0.090 $0.105 $0.094
12 months
55 – 59 $0.168 $0.196 $0.176 
2 Maximum Benefit: 100% of employee
60 – 64 $0.242 $0.300 $0.254 coverage up to $150,000 (the rates
for spouse life insurance are based on
65 – 69 $0.381 $0.578 $0.520 employee’s age as of 1/1/18)

3 Maximum Benefit: 10% of employee
70 – 74 $0.626 $0.937 $0.709
coverage up to $10,000
75 + $0.799 $0.937 $0.844

Short-Term Disability (per pay Long-Term Disability (per pay

period, rate per $10 of weekly period, rate per $100 of monthly
benefit)* base salary)*
Rate Pay Period Rate Pay Period
Rate per $10 of weekly Under 30 $0.073
$0.172
benefit 30 – 34 $0.108
35 – 39 $0.163
Multiply weekly base salary by 60% for benefit 40 – 44 $0.271
coverage, then multiply by the rate and divide by 10.
45 – 49 $0.393
For example: ($400 x .60 x $0.172) ÷ 10 = $4.13
50 – 54 $0.552
Maximum Benefit: $1,500 per week 55 – 59 $0.678
60+ $0.801

* For Supplemental Life Insurance and Short- and Long-Term

Disability Insurance, rates are based off your starting new hire
salary or your salary as of January 1, 2019.
Rate: multiply monthly base salary by rate above
and divide by 100.
For example at age 35: ($2,000 x .163) ÷ 100 = $3.26
Maximum Benefit: $7,500 per month

8 FOR ASSISTANCE, CALL THE BENEFITS TEAM AT 303-723-1370 OR 866-395-8083