Actively-at-Work means you are performing all the duties that pertain to your work on a regular basis at the place where they're normally performed or where they're required to be performed by JPMorgan Chase. A person who works at home must be able to report to a place of employment outside the home.

You must be actively-at-work for your new or newly approved increase in coverage to take effect. The actively-at-work provision also applies if your coverage is subject to evidence of insurability. The insurance carriers for each of these Plans may have additional actively-at-work requirements that are specific to their Plan. For more information, please contact the insurance carriers directly.

After-tax contributions that are taken from your pay after federal and, in most cases, state and local income taxes have been withheld.

(For the Business Travel Accident Insurance Plan only)

Annual earnings means your annual wage or salary from JPMorgan Chase as of the date of the accident, including the monthly average times 12 of any amounts paid during the preceding 36 months as hourly wages and/or commissions, but excluding any overtime earnings, bonuses, or other extra compensation arrangements.

Your beneficiary is the person, people, estate, or entity you name to receive benefits from the insurance plan if you die.

The claims administrator is the company that provides certain claims administration services for the Life and Accident Insurance Plans. The claims administrator for each benefit is noted at the beginning of the description of each Plan.

JPMorgan Chase is not involved in deciding appeals for any benefits claim denied under the Life and Accident Insurance Plans. All fiduciary responsibility and decisions regarding a claim for a denied benefit under the Plans rest solely with the claims administrator.

(For accidental death and dismemberment coverage)

Generally, your Eligible Compensation is your annual base salary/regular pay plus applicable job differential pay (e.g., shift pay). It does not include any annual incentive, overtime, special recognition, or other incentive awards you might receive. In certain situations, your Eligible Compensation may include other cash earnings (e.g., commissions, draws, and overrides) paid under certain non-annual incentive plans that provide compensation in lieu of base salary.

For the benefits plans described here, your Eligible Compensation is updated as changes occur throughout the year (including while you are on a leave of absence).

Please Note: Various JPMorgan Chase plans have different definitions of Eligible Compensation. Separate definitions may apply to employees in certain sales positions who are paid on a draw-and-commission basis.

Under the Life and Accident Insurance Plans, your eligible dependents can include your spouse or domestic partner and your children (including children of your domestic partner). Please see "Eligible Dependents" in the Health Care Participation section for more information.

(Does not apply to the Business Travel Accident Insurance Plan or AD&D Plan)

Evidence of insurability (EOI) is information that must be provided to Metropolitan Life Insurance Company (MetLife), the claims administrator for the Supplemental Term Life Insurance Plan, before you can be approved for certain levels of coverage. Please see "Evidence of Insurability" for more information.

(Applies to the Basic Life Insurance Plan only)

Imputed income is the value of company-provided basic life insurance above $50,000, which must be reported as income to the Internal Revenue Service (IRS). Imputed income becomes part of your taxable income reported on your W-2.

For details on what qualifies as a loss under each plan, see:

(For the Life and Accident Insurance Plans)

The JPMorgan Chase benefits you elect during each Annual Benefits Enrollment will generally stay in effect throughout the plan year, unless you elect otherwise, because of a Qualified Status Change (QSC). If you have a QSC, you have 31 days from the qualifying event to make benefits changes. The benefits you elect will be effective the date of the event if you make the elections timely.

Any changes you make during the year must be consistent with your QSC. Please see "Changing Your Coverage Midyear" for more information.

(For basic and supplemental term life insurance)

Total Annual Cash Compensation (TACC) is your annual rate of base salary/regular pay plus any applicable job differential pay (e.g., shift pay) as of each August 1, plus any cash earnings from any incentive plans (e.g., annual incentive, commissions, draws, overrides and special recognition payments or incentives) that are paid to or deferred by you for the previous 12-month period ending each July 31. Overtime is not included. It is recalculated as of each August 1 to take effect the following January 1 and will remain unchanged throughout the year. For most employees hired on or after August 1, it will be equal to your annual rate of base salary/regular pay plus applicable job differentials.