Additional Plan Benefits

Employee and dependent AD&D insurance also includes these additional benefits, except as noted below:

Seat Belt Benefit: Your beneficiary will receive an additional 10% of the principal sum (to a maximum of $25,000) if you die as a result of an automobile accident while wearing a seat belt.

Air Bag Benefit: Your beneficiary will receive an additional 10% of the principal sum (to a maximum of $10,000) if you die as a result of an automobile accident while in an automobile containing an air bag.

Workplace Felonious Assault Benefit (Note: Does not apply to dependent AD&D coverage): For an assault committed during the commission of a felony as defined by the laws of the jurisdiction in which the act was committed, you or your beneficiary will receive an amount equal to the lesser of 20% of the AD&D insurance on the employee or $25,000, if the accidental injury was caused by a felonious assault committed at a JPMorgan Chase place of business or while you are engaged in business for JPMorgan Chase.

Surviving Spouse Benefit: If you or your spouse/domestic partner dies as a result of an accidental injury

The Plan will pay an additional amount equal to the lesser of 3% of the full amount of insurance or $1,000 under the AD&D insurance for each of the 6 months immediately following the date of such person's death.

If this benefit is in effect on the date of death and there is no spouse who could qualify for payment, the Plan will pay $1,000 to your beneficiary in one sum.

Hospital Confinement Benefit: If the Plan received proof that you or your dependent are confined in a hospital as a result of an accidental injury, which is the direct cause of such confinement independent of other causes; and benefit is in effect on the date of the injury, the Plan will pay:

1% of the full amount of your AD&D coverage; and

$2,500; on a monthly basis beginning on the 5th day of confinement for up to 12 months of continuous confinement.

Child Education Benefit: If you or your covered spouse/domestic partner dies as a result of an accidental injury, this feature pays for each child who qualifies for this benefit, an amount equal to the tuition charges incurred for a period of up to four consecutive academic years, not to exceed:

an academic year maximum of $10,000;

an overall maximum of 20% of full amount of your benefit;

In the event that both you and your spouse/domestic partner die such that each death would cause a payment to be made for a child under the Additional Benefit, the following rules apply:

The academic year maximum will be 2 times the amount stated above;

The overall maximum will be equal to the stated percentage applied to the sum of the full amounts shown in MetLife's Schedule of Benefits for both you and your spouse; and

In no event will the amount paid under all Child Education benefits exceed the amount of tuition incurred.

MetLife will pay the above additional Child Education benefit if:

A benefit is paid for loss of such person's life under the AD&D section;

The paid benefit is in effect on the date of the injury; and

Proof is received that on the date of death a Child was:

Enrolled as a full-time student in an accredited college, university or vocational school above the 12th grade level; or

At the 12th grade level and, within one year after the date of death, enrolls as a full-time student in an accredited college, university or vocational school.

The child tuition benefit is paid semi-annually.

Spouse/Domestic Partner Education Benefit for Employee AD&D Coverage (does not apply to dependent AD&D coverage): In the event of your death, this feature will pay an amount equal to the tuition charges incurred for a period of up to one academic year, not to exceed:

An academic year maximum of $5,000; and

An overall maximum of 5% of the full amount of your AD&D insurance.

Child Care Benefit: In the event of your or your covered spouse/domestic partner's death, this feature pays an amount equal to the child care center charges incurred for a period of up to four consecutive years for each child under the age of 13 who qualifies for this benefit, not to exceed:

An annual maximum of $5,000; and

An overall maximum of 12% of the full amount of the AD&D insurance on the insured.

In the event that both you and your spouse/domestic partner die such that each death would cause a payment to be made for a child under this Child Care Benefit, the following rules apply:

The annual maximum will be two times the amount stated above;

The overall maximum will be equal to the stated percentage applied to the sum of full amount of coverage for both you and your spouse/domestic partner;

In no event will the amount paid under all Child Care benefits exceed the amount of Child Care charges incurred; and

Child Care Center charges incurred after the date a Child attains age 13 will not be covered.

For purposes of this benefit, a child care center is a facility or individual which operates pursuant to state law, is not a family member, and primarily provides care and supervision to children in a group setting on a regular, daily basis. In order to qualify, the child must be wholly dependent on you for support and maintenance on the date of the death and must either be enrolled in a child care center at date of death or must become enrolled at a child care center within 12 months of the date of death.

Common Carrier Benefit: A common carrier is a government-regulated entity that is in the business of transporting fare paying passengers. It does not include 1) chartered or other privately arranged transportation; 2) taxis; or 3) limousines. If you or a dependent die as a result of an accidental injury while traveling in a common carrier, the Common Carrier Benefit pays a full amount of the covered person's AD&D benefit (in addition to the regular benefit paid for loss of live, as shown above, under "How the Plan Pays Benefits"). To receive the benefit, you must provide proof that the injury resulting in the death occurred while traveling in a common carrier.

Therapeutic Counseling Benefit: For a loss resulting from an accidental injury to you or a dependent, this benefit covers therapeutic counseling that has been prescribed for you, your spouse/domestic partner or your children within 90 days of the covered loss by an attending physician to treat an emotional or psychological condition resulting from the covered loss. This benefit will pay an amount equal to the least of:

the actual charges incurred for the therapeutic counseling;

10% of the full amount of AD&D coverage; or

$10,000

This benefit will be paid in the month when you provide proof that you have paid charges for therapeutic counseling. Payment will be made to the person who paid such charges. Such therapeutic counseling must be provided within one year of the prescription by a physician, therapist or counselor licensed to provide the counseling in the jurisdiction where such services are performed.

Common Disaster Benefit: If you and your spouse/domestic partner are injured in the same accident and die within 365 days as a result of injuries in such accident, the benefit paid for your spouse's/domestic partner's loss of life will be increased to equal the full amount payable for your loss of life.

For additional information about the benefits described above, please contact Metropolitan Life Insurance Company (MetLife) from 8 a.m. to 8 p.m. Eastern Time, Monday – Friday.