Site Map
- What Happens If …
- Qualified Status Changes (QSCs)
- You Get Married
- You Have or Adopt a Child or Become a Legal Guardian
- A Covered Dependent Becomes Ineligible
- You and/or Your Dependents Lose Other Coverage
- You and/or Your Dependents Gain Other Coverage
- You Move
- You Divorce, Separate or Terminate a Domestic Partner Relationship
- You Pass Away
- Other Events or Changes
- Change in Scheduled Work Hours
- You Go on Short-Term Disability Leave
- You Go on Long-Term Disability
- You Are on LTD and Become Eligible for Medicare
- You Become Eligible for Medicare
- You Go on a Military Leave
- You Go on a Parental Leave
- You Go on Approved Family and Medical Leave
- You Go on Unpaid Leave
- You Return from a Leave of Absence
- You Leave JPMorgan Chase
- Your Expatriate Assignment Ends
- You Retire from JPMorgan Chase
- You Work Past Age 65
- Health Care Participation
- Who’s Eligible?
- Who’s Not Eligible
- When You Become Eligible
- Eligible Dependents
- Spouse
- Children
- Domestic Partners
- Qualified Medical Child Support Orders
- Enrolling
- Coverage Levels
- How to Enroll
- Enrolling if You Are an Employee
- Enrolling if You Are a Newly Hired Employee
- Enrolling if You Have a Change in Work Status or Qualified Status Change
- If You Do Not Enroll
- When Coverage Begins
- Changing Your Coverage Midyear
- When Coverage Ends
- Continuing Health Coverage Under COBRA
- What’s Included with COBRA Medical Plan Coverage
- Qualifying Events
- Continuation Coverage for a Domestic Partner Dependent
- Giving Notice of a COBRA Qualifying Event
- Choosing COBRA Coverage
- Premium Due Dates
- Coverage During the Continuation Period
- COBRA Coverage Costs
- How Continued Coverage Could End
- The MRA and COBRA
- Special Rule for Health Care Spending Account Participants
- Additional Questions About COBRA Coverage
- Defined Terms
- The Medical Plan
- Medical Coverage Highlights
- Medical Plan Options
- Cost of Coverage
- The Medical Reimbursement Account (MRA) and Wellness
- The MRA
- Wellness Activities within the MRA
- Wellness Program If You Do Not Enroll in JPMC Medical Coverage
- MRA Payment Elections
- What Happens to Your MRA If Your Employment with JPMorgan Chase Ends
- Eligible MRA Expenses
- Other Wellness Programs
- How Your Medical Plan Works
- The Annual Deductible
- The Annual Coinsurance Maximum
- The Per-Person Deductible and Coinsurance Maximum Provision
- Maximum Lifetime Benefits
- Choosing Between In- and Out-of-Network Care
- Out-of-Area Network Participants
- Coinsurance Paid for Covered Benefits
- Covered Benefits: Eligible Preventive Care
- Covered Benefits: Outpatient Services
- Covered Benefits: Inpatient Services
- Covered Benefits: Other Services
- Additional Plan Provisions
- Prescription Drug Coverage
- How Prescription Drug Coverage Works
- How Prescription Drug Benefits Are Paid Under the Medical Plan
- Details About Maintenance Choice®
- Filing a Paper Prescription Drug Claim
- What’s Covered and Not Covered
- Using Your MRA to Pay for Services
- If You See an In-Network Provider
- If You See an Out-of-Network Provider
- The MRA and Your Prescription Drug Expenses
- Filing a Claim for Benefits
- If You Saw an In-Network Provider and Paid Out-of-Pocket
- If You Saw an Out-of-Network Provider and Paid Out-of-Pocket
- If You Paid Out-of-Pocket for a Prescription Drug
- If You Paid Out-of-Pocket Because Your MRA/HCSA Was Depleted (But You Have Since Earned MRA Funding)
- How to Submit a Claim
- If You Change Health Care Companies During Annual Benefits Enrollment
- If You Have Questions About a Claim
- Appealing a Claim
- What Is Covered
- Quality Providers
- Preventive Care Services
- Outpatient Services
- Inpatient Hospital and Related Services
- Other Covered Services
- Infertility Treatment Procedures
- Mental Health Benefits
- Hospice Care
- Coverage Limitations
- What Is Not Covered
- Defined Terms
- The Dental Plan
- Dental Plan Highlights
- Cost of Coverage
- The Preferred Dentist Program (PDP) Option
- How the PDP Option Works
- How the PDP Option Pays Benefits
- Annual Deductible
- Coinsurance
- Alternate Benefit Provision
- Maximum Benefits
- Orthodontic Covered Services
- The Dental Maintenance Organization (DMO)
- The Dental Health Maintenance Organization (DHMO) Option
- What Is Covered
- Preventive Care Services
- Basic Restorative Care Services
- Major Restorative Care Services
- Orthodontia
- What Is Not Covered
- Claiming Benefits
- Defined Terms
- The Vision Plan
- The Spending Accounts
- Spending Account Highlights
- Participating in the Spending Accounts
- Who’s Eligible?
- Who’s Not Eligible?
- Cost to Participate
- How to Enroll
- Enrolling if You Are an Employee
- Enrolling if You Are a Newly Hired Employee
- Enrolling if You Have a Change in Work Status or Qualified Status Change
- If You Do Not Enroll
- When Participation Begins
- Changing Your Contributions Midyear
- If You Have a Work Status Change
- When Participation Ends
- Unused Spending Account Contributions
- The Health Care Spending Account
- Health Care Spending Account Highlights
- Your Contributions
- Eligible Expenses
- Expenses Not Eligible
- When Reimbursements Are Payable
- The Dependent Care Spending Account
- Dependent Care Spending Account Highlights
- Your Contributions
- Eligible Expenses
- Expenses Not Eligible
- When Reimbursements Are Payable
- The Transportation Spending Accounts
- Transportation Account Highlights
- How the Transportation Accounts Work
- About Your Contributions
- How the Purchase of Transit Passes/Tickets Works
- How Commuter Cards Work for Parking/Transit
- Three Ways to Pay for Parking
- How the “Pay Me Back” Parking Option Works
- Cash Flow When You First Enroll
- Unused Before-Tax Dollars
- Enrolling in the Transportation Accounts
- When Participation Begins
- Eligible Expenses
- Expenses Not Eligible
- Managing Your Accounts and Receiving Reimbursements
- Tracking Your Spending Accounts
- Receiving Health Care Spending Account Reimbursements
- Medical Expenses: If You Are Enrolled in the JPMorgan Chase Medical Plan
- Medical Expenses: If You Do Not Participate in the JPMorgan Chase Medical Plan
- Dental and/or Vision Expenses
- Debit Card General Information
- Receiving Dependent Care Spending Account Reimbursements
- Paper Reimbursement Claims
- Transportation Spending Accounts Reimbursements
- Reimbursement Processing
- Uncashed Reimbursement Checks
- Appealing a Claim
- Defined Terms
- The Short-Term Disability Plan
- STD Plan Highlights
- Participating in the STD Plan
- How the STD Plan Works
- Length and Amount of Benefits
- Statutory Benefits
- State Disability Benefits
- Temporary Reduced Schedule Return to Work/Partial Short-Term Disability Pay
- Recurrent Disabilities
- Multiple Short-Term Disability Leaves
- What Is Not Covered
- Claiming Benefits
- How to File Claims
- Filing a Claim for a NonOccupational Illness or Injury
- Filing a Claim for an Occupational Illness or Injury
- Appealing Short-Term Disability Claim Denials
- Right of Recovery (Effective 5/1/2019)
- Subrogation of Benefits (Effective 5/1/2019)
- Right of Reimbursement (Effective 5/1/2019)
- When Coverage Ends
- Additional Plan Information
- Right to Amend
- Defined Terms
- The Long-Term Disability Plan
- LTD Plan Highlights
- Participating in the Long-Term Disability Plan
- Eligibility
- Cost of Coverage
- Tobacco User Status
- Evidence of Insurability
- Limited Continuation of Other Benefits
- When Participation Ends
- How Group LTD Coverage Works
- If Your TACC is less than $60,000
- If Your TACC is $60,000 or more
- If You Do Not Enroll
- Pre-Existing Condition Exclusion
- Offsets for Disability Benefits from Other Sources
- Mental Illness and Substance Abuse Benefits
- When Disability Benefits Begin and End
- Benefits Provided to Your Family If You Pass Away
- Return-to-Work Program
- How Your Benefits Are Determined If You Are Disabled and Working
- Social Security and Group Long-Term Disability Benefits
- Overpayment of Group LTD Benefits
- What Is Not Covered
- Claiming Benefits
- How Individual Disability Insurance (“IDI”) Works
- Eligibility
- How to Enroll
- If You Do Not Enroll
- Differences from Group LTD coverage
- Recovery Benefit
- When Benefits Begin and End
- Benefits Provided to Your Family If You Pass Away
- Continuation of Coverage
- How Your Benefits Are Determined If You Are Disabled and Working
- Overpayment of Plan Benefits
- What Is Not Covered
- Claiming Benefits
- Right of Recovery for the Long-Term Disability Plan
- Additional Long-Term Disability Plan Information
- Recurrent Periods of Disability
- If Your Situation Changes
- Appealing Claims
- Right to Amend
- Defined Terms
- Life and Accident Insurance
- Life and Accident Insurance Highlights
- Eligibility and Enrollment
- Who’s Eligible?
- Who’s Not Eligible?
- Eligible Dependents
- Cost of Coverage
- How to Enroll
- Enrolling if You Are an Employee
- Enrolling if You Are a Newly Hired Employee
- Enrolling if You Have a Change in Work Status or Qualified Status Change
- Beneficiaries
- Assignment of Benefits
- If You Do Not Enroll
- Coverage if You Do Not Enroll and You Are an Employee
- Coverage if You Do Not Enroll and You Are a Newly Hired or Newly Eligible Employee
- Coverage if You Do Not Enroll When You Have a Qualified Change in Status
- When Coverage Begins
- Changing Your Coverage Midyear
- When Coverage Ends
- Company-Paid Basic Life Insurance
- Imputed Income
- When Benefits Are Paid
- Accelerated Benefit Option
- Converting Basic Life Insurance
- Additional Benefits
- Supplemental Term Life Insurance
- Employee Supplemental Term Life Insurance
- Dependent Supplemental Term Life Insurance
- Evidence of Insurability
- When Benefits Are Paid
- Converting or Porting Supplemental Term Life Insurance
- Accidental Death and Dismemberment (AD&D) Insurance
- Employee AD&D Insurance
- Dependent AD&D Insurance
- How the Plan Pays Benefits
- Additional Plan Benefits
- What Is Not Covered
- When Benefits Are Paid
- Porting Your Coverage
- Business Travel Accident Insurance
- Employee Coverage
- Dependent Coverage
- How BTA Insurance Pays Benefits
- Additional Plan Benefits
- What Is Not Covered
- Claiming Benefits
- When Benefits Are Paid
- How Benefits Are Paid by MetLife
- How to File Claims
- Important Claims Addresses
- Appealing a Claim
- Defined Terms
- The Group Legal Services Plan
- Legal Services Plan Highlights
- Participating in the Plan
- Who’s Eligible?
- Who’s Not Eligible?
- When You Become Eligible
- Who’s Covered?
- Cost of Coverage
- How to Enroll
- Enrolling if You Are an Employee
- Enrolling if You Are a Newly Hired Employee
- Enrolling if You Are a Newly Eligible Employee
- If You Do Not Enroll
- When Coverage Begins
- No Midyear Changes
- When Coverage Ends
- How the Plan Works
- Finding Network Attorneys
- The Plan Call Center
- Plan and Out-of-Network Attorneys
- The Role of Plan Attorneys
- What Is Covered
- Advice and Consultation
- Consumer Protection
- Debt Matters
- Defense of Civil Lawsuits
- Document Preparation and Review
- Family Law
- Immigration
- Real Estate Matters
- Traffic and Criminal Matters
- Wills and Estate Matters
- What Is Not Covered
- Claiming Benefits
- Defined Terms
- The Group Personal Excess Liability Insurance Plan
- Personal Excess Liability Highlights
- Participating in the Plan
- Who’s Eligible?
- Who’s Not Eligible?
- When You Become Eligible
- Who’s Covered?
- Cost of Coverage
- How to Enroll
- Enrolling if You Are an Employee
- Enrolling if You Are a Newly Hired Employee
- Enrolling if You Are a Newly Eligible Employee
- If You Do Not Enroll
- When Coverage Begins
- No Midyear Changes
- When Coverage Ends
- How the Plan Works
- Required Underlying Insurance
- Additional Features
- Uninsured/Underinsured Motorist Protection
- Defense Coverages
- Shadow Defense Coverage
- Identity Fraud
- Kidnap Expenses
- Reputational Injury
- What’s Not Covered
- Filing a Claim
- Defined Terms
- Back-Up Child Care
- Expatriate Medical and Dental Plans
- Your Options by Group
- Expatriate Plan Highlights
- Eligibility and Enrollment
- Who’s Eligible?
- Who’s Not Eligible?
- Eligible Dependents
- Enrolling
- Coverage Levels
- Cost of Coverage
- How to Enroll
- When Coverage Begins
- When Payroll Contributions Begin
- Changing Your Coverage Midyear
- When Coverage Ends
- Expatriate Medical Plan
- How Your Medical Benefits Work
- How the Expatriate Medical Plan Pays Benefits
- The Annual Deductible
- The Annual Coinsurance Maximum
- The Per-person Deductible and Coinsurance Maximum Provision
- Maximum Lifetime Benefit
- Coinsurance Paid by the Expatriate Medical Plan
- If You Need Urgent and/or Emergency Care
- What Is Covered
- Preventive Care Services
- Inpatient Hospital and Related Services
- Outpatient Services
- Other Covered Services
- Hospice Care
- Infertility Treatment Procedures
- Coverage Limitations
- What Is Not Covered
- Expatriate Dental Plan
- How Your Dental Benefits Work
- How the Expatriate Dental Plan Pays Benefits
- What Is Covered
- Preventive Care Services
- Basic Restorative Care Services
- Major Restorative Care Services
- Alternate Benefit Provision
- What Is Not Covered
- Filing a Claim for Benefits
- Online Claims Submissions
- Paper Claims Submissions
- ePayment Plus
- If You Have Questions About a Claim
- Appealing a Claim
- Defined Terms
- Plan Administration
- General Information
- Plan Administrative Information
- Participating Companies
- Your Rights Under ERISA
- Privacy Information
- Claims Related to Eligibility to Participate in the Plans and Plan Operations
- Claiming Benefits: Plans Subject to ERISA
- Steps in the Benefits Claims and Appeals Process
- Step 1: Filing Your Initial Claim for Benefits
- Step 2: Receiving Notification from the Claims Administrator/Plan Administrator if an Initial Claim for Benefits Is Denied
- Step 3: Filing an Appeal to the Claims Administrator/Plan Administrator if an Initial Claim for Benefits Is Denied
- Step 4: Receiving Notification from the Claims Administrator/Plan Administrator if Your Appeal Is Denied
- Step 5: Receiving a Final Appeal by an Independent Review Panel
- Filing a Court Action
- Contacting the Claims Administrators: Plans Subject to ERISA
- Contacting the Claims Administrators: Plans Not Subject to ERISA
- If You Are Covered by More Than One Health Care Plan
- Special Notice for Employees Who Have Been Rehired by JPMorgan Chase