The Supplemental Term Life Insurance Plan and/or Accidental Death and Dismemberment (AD&D) Insurance Plan elections you make during Annual Benefits Enrollment will stay in effect through the following plan year (or the current plan year if you enroll during the year as a newly eligible employee). However, you may be permitted to change your elections before the next Annual Benefits Enrollment if you have a Qualified Status Change (QSC). Please Note: Any changes you make during the year must be consistent with your QSC.

You need to enroll, add and/or drop your eligible dependents within 31 days of the qualifying event for benefits to be effective on the date of the event. Please Note: See "If You Do Not Enroll" for details on what happens if you miss the 31-day enrollment period.

Please Note: Documentation of dependent eligibility will be required when a dependent is added for coverage and may be requested at any time by JPMorgan Chase or the claims administrator. JPMorgan Chase regularly conducts dependent eligibility verification to ensure that all covered dependents meet the current eligibility requirements of the JPMorgan Chase U.S. Benefits Program. For details, please see "Important Note on Dependent Eligibility" under "Eligible Dependents", in the Health Care Participation section.

You and/or your eligible dependents may need to satisfy certain evidence of insurability (EOI) requirements for the Supplemental Term Life Insurance Plan, as determined by the claims administrator, before coverage due to a QSC can begin. (Please see "Evidence of Insurability" for more information.) See "When Coverage Begins" for details.

Qualified changes in status under the Supplemental Term Life Insurance Plan and Accidental Death and Dismemberment (AD&D) Insurance Plan are listed in the following table.