The Plan offers you and your family access to an affordable network of attorneys for routine legal services related to personal and family legal issues.

Most services are covered at 100% when you use in-network attorneys. In-network services are available only in the continental United States, U.S. Virgin Islands, Puerto Rico and Hawaii.

A reimbursement schedule applies to fees charged by out-of-network attorneys.

Attorneys will only provide services for U.S.-related issues.

Covered services include all of the following:

Please see "What Is Covered" for details of covered services.

Any legal matter for which an attorney-client relationship existed prior to you joining the Plan will be excluded, and no benefits will apply.

If you enroll for coverage, the Plan provides coverage for you, your spouse and dependents who are eligible and qualify for the JPMorgan Chase Medical Plan coverage (your spouse or domestic partner and your children under age 26). For more details, see "Your Eligible Dependents" in the Health Care Participation section.

You pay the full cost of your coverage on an after-tax basis. There is a flat rate for coverage — your cost per pay period is the same regardless of how many dependents are covered with you. For more details, see "Cost of Coverage."

Enrolling: You can only enroll for coverage during Annual Benefits Enrollment or when you first become eligible (generally, as a newly hired employee or due to a work status change). Because there is one contribution level for the Group Legal Services Plan coverage, your cost for coverage does not increase if you add dependents (e.g., if you marry, add a domestic partner, or have a baby, they will be considered covered as of the date of the event.

Changing Coverage: You may not drop coverage during the plan year. You can only make changes to your coverage during Annual Benefits Enrollment (usually held in the fall of each year for the following year's participation). Midyear changes due to a Qualified Status Change (QSC) are not permitted under this Plan. When you enroll, your participation is in effect through December 31 and you may not stop participating unless you are no longer eligible due to a work status change.

The Plan's claims administrator is MetLife Legal Plans.