Limited Continuation of Other Benefits

Important Note Regarding Eligibility for Other Benefits

If you accept a settlement of your LTD claim from the LTD claims administrator, JPMorgan Chase will no longer consider you a "benefits-eligible individual" and as such, any health and income protection benefits you were receiving as a result of your active receipt of LTD payments will end. Please consider this carefully if you decide to accept a settlement offer.

While you're receiving LTD Plan benefits (either Group LTD or IDI), you'll be considered a "benefits-eligible individual" and will remain eligible to participate in a number of other JPMorgan Chase benefits plans for up to the first 24 months that you receive LTD benefit payments – as long as you continue to make any required contributions for your elected coverage and are considered disabled. These plans include:

Medical Plan — You can continue current coverage at active employee rates until the earlier of:

your having received 24 months of LTD benefit payments or

you become eligible for Medicare;

Dental Plan — You can continue current coverage at active employee rates until the earlier of :

your having received 24 months of LTD benefit payments or

you become eligible for Medicare;

Vision Plan — You can continue current coverage at active employee rates;

Basic Life Insurance — Coverage will continue at no cost to you;

Supplemental Term Life Insurance — You can continue current coverage at active employee rates; you cannot elect new coverage or increase coverage for yourself or your dependents;

Accidental Death and Dismemberment (AD&D) Insurance — You can continue current coverage at active employee rates; you cannot elect new coverage or increase coverage for you or your dependents;

Group Legal Services Plan — You can continue current coverage at active employee rates;

Group Personal Excess Liability Insurance Plan — You can continue current coverage at active employee rates;

If You Became Disabled Before 2011

If you became disabled and qualified for LTD benefits before January 1, 2011, your coverage for the benefits listed at left will continue at active employee rates while you receive benefits under the Long-Term Disability Plan.

Employee Assistance Program and access to JPMorgan Chase Health & Wellness Centers and screenings — Your participation will continue at no cost to you.

Coverage for the Dependent Care Spending Account and Transportation Spending Accounts, as well as for Business Travel Accident and Disability Leave, automatically stops when you receive LTD benefits. You can continue making contributions to the Health Care Spending Account (HCSA) on an after-tax basis while on LTD on a direct bill basis. Participation in the HCSA will cease at the end of the benefit plan year in which you start to receive LTD benefits. COBRA benefits (for medical, dental and/or vision) will be offered for 18 months when coverage for health care benefits ends (please see the Health Care Participation section for more information on COBRA coverage).

Termination of Employment After 24 Months of LTD Benefit Payments

Please Note: Your employment with JPMorgan Chase will end immediately after you have received 24 months of LTD benefit payments (or while your LTD is approved, whichever is less), unless you have requested and been approved for additional leave time as a reasonable accommodation. If you believe that you may qualify for a reasonable accommodation under JPMorgan Chase's Accommodating Disabilities Policy (which may include an extension of your employment), please contact HR Answers prior to your termination date JPMorgan Chase will review your request in light of the medical information you provide as well as its business needs, and will follow up with you as appropriate to determine whether to grant your request or an alternative accommodation, if any.

You will continue to be eligible for Long-Term Disability Plan benefits provided you meet all contractual provisions outlined in the plan. You are not responsible for premiums related to LTD coverage while receiving LTD benefits.