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Your JPMC Benefits Guide

Effective 1/1/22
JPMorgan Chase is committed to providing a comprehensive set of benefits choices to meet different employee needs and lifestyles. In return, we ask our employees to take an active role in designing a personal strategy to help meet their short-term and long-term health care and insurance and retirement savings objectives.
This Guide provides a detailed summary of the Health Care and Insurance Plans for Active Employees of the JPMorgan Chase U.S. Benefits Program. To access the Retirement Savings Plans, you must be on the website at and click on the "Retirement Savings" item in the black horizontal menu bar at the top of the web page. For the plans that are subject to the provisions of the Employee Retirement Income Security Act of 1974 (ERISA), this Guide serves as the summary plan description for those plans. For most of these plans, this Guide is also the plan document.
How This Guide Is Organized
Most of the sections of this Guide describe the details of each benefit plan. Those sections include:
Other sections of the Guide cover information that applies to all or most of the benefit plans. These sections are separated from the specific plan details to minimize repetition and to keep related information together. These sections include:
  • What Happens If …, which describes how different life events and situations can affect your benefits or provide you with opportunities to adjust your benefits coverage;
  • Plan Administration, which provides administrative details such as plan numbers and statements of your rights, including your right to appeal, which is required by law; and
  • Contacts, with a full list of contact details for all of the plans.
The section About This Guide provides additional legal information, including information about the role this Guide serves as summary plan descriptions ("SPDs") of the benefit plans.
If you still have questions after reviewing this Guide, there are a number of resources that can provide answers. As a first stop, consult the Contacts section.
The JPMorgan Chase U.S. Benefits Program is available to most employees on a U.S. payroll who are regularly scheduled to work 20 hours or more a week and who are employed by JPMorgan Chase & Co. or one of its subsidiaries to the extent that such subsidiary has adopted the JPMorgan Chase U.S. Benefits Program. This information does not include all of the details contained in the applicable insurance contracts, plan documents and trust agreements. If there is any discrepancy between this information and the governing documents, the governing documents will control. JPMorgan Chase & Co. expressly reserves the right to amend, modify, reduce, change or terminate its benefits plans at any time. The JPMorgan Chase U.S. Benefits Program does not create a contract or guarantee of employment between JPMorgan Chase and any individual. JPMorgan Chase or you may terminate the employment relationship at any time.