Summaries of Material Modification (SMMs)

From time to time, JPMorgan Chase updates and adjusts the benefit plans and programs. When these changes occur, we share information about these changes, in documents such as the Year End Updates, so that you have information on the plans even before we update the entire "Your JPMC Benefits Guide."

Just as "Your JPMC Benefits Guide" is classified as a Summary Plan Description (SPD), the documents describing changes are classified as Summaries of Material Modification (SMM).

Here are the SMMs that update the last version of Your JPMC Benefits Guide, which describes the benefits effective January 1, 2022:, and for which the SMMs describe some of the change effective as of January 1, 2023, 2024, and 2025.