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• Your JPMC Benefits Guide

• About This Guide

• SMMs

• 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
• Paid Military Leave
• Unpaid 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 Benefits

• 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
• Tax Treatment of Domestic Partner 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
• 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 Status Change
• When Coverage Begins
• When Payroll Contributions Begin
• Changing Your Coverage Midyear
• Qualified Events
• Making the Changes
• Allowable Changes
• HIPAA Special Enrollment Rights
• When Coverage Ends
• When Dependent 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
• Company-Subsidized COBRA Coverage
• 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
• Tax Treatment of Domestic Partner Coverage/Gross-Up Policy
• Total Annual Cash Compensation
• Initial Wellness Activities
• Tobacco User Status
• Regional Cost Categories
• The Medical Reimbursement Account (MRA) and Wellness
• The MRA
• Wellness Activities within the MRA
• Initial Wellness Activities
• Additional Wellness Activities
• 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
• Employee Assistance Program (EAP) and Work-Life Program
• Tobacco Cessation Program
• Onsite Health & Wellness Centers
• 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
• Prior Authorization
• Hospital Notification
• Mental Health Benefits
• If You Need Emergency Care
• Centers of Excellence (COEs)
• Nurseline
• Virtual Doctor Visits
• Prescription Drug Coverage
• How Prescription Drug Coverage Works
• How Prescription Drug Benefits Are Paid Under the Medical Plan
• Details About Maintenance Choice®
• Opting Out of Maintenance Choice®
• Filing a Paper Prescription Drug Claim
• What’s Covered and Not Covered
• Prescription Drugs Covered by the Prescription Drug Plan
• Prescription Drugs Not Covered by the Prescription Drug Plan
• Coverage for Proton Pump Inhibitors
• Additional Plan Provisions
• Using Your MRA to Pay for Services
• If You See an In-Network Provider
• If Your In-Network Provider Asks You to Pay at the Point of Service
• 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
• Medical Claim Forms
• MRA and/or HCSA Claim Forms
• CVS Caremark Claim Forms
• 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
• Tax Treatment of Domestic Partner Coverage/Gross-Up Policy
• 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)
• How the DMO Option Works
• How the DMO Option Pays Benefits
• The Dental Health Maintenance Organization (DHMO) Option
• How the DHMO Option Works
• How the DHMO Option Pays Benefits
• What Is Covered
• Preventive Care Services
• Basic Restorative Care Services
• Major Restorative Care Services
• Orthodontia
• What Is Not Covered
• Claiming Benefits
• Your Dental Identification (ID) Cards
• How to File Claims
• Where to Submit Claims
• Appealing a Claim
• Defined Terms

• The Vision Plan
• Vision Coverage Highlights
• Cost of Coverage
• How Vision Coverage Works
• What Is Covered
• When You Last Received Care
• Selecting an EyeMed Provider
• What the Plan Provides
• Exams
• Standard Plastic Lenses
• Frames
• Contact Lenses
• Medically Necessary Contact Lenses
• Laser Vision Correction
• Low Vision Benefits
• Diabetic Eye Care Benefit
• Additional Discounts
• What Is Not Covered
• Claiming Benefits
• How to File Claims
• Where to Submit Claims
• Time Frames for Processing Claims
• Appealing a Claim
• Defined Terms

• 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
• Dependent Care Spending Account
• Transportation Spending Accounts
• The Health Care Spending Account
• Health Care Spending Account Highlights
• Your Contributions
• Contribution Deduction Examples
• The “Use It or Lose It” Rule
• Eligible Expenses
• Expenses Not Eligible
• When Reimbursements Are Payable
• The Dependent Care Spending Account
• Dependent Care Spending Account Highlights
• Your Contributions
• Payroll Deductions Example
• The “Use It or Lose It” Rule
• 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
• MetroNorth Railroad and Long Island Railroad (LIRR)
• 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
• Filing a Claim for Parking Expense Reimbursement (“Pay Me Back” Option)
• Reimbursement Processing
• Uncashed Reimbursement Checks
• Appealing a Claim
• Defined Terms

• Disability Coverage

• The Short-Term Disability Plan
• STD Plan Highlights
• Participating in the STD Plan
• Eligibility
• Short-Term Disability Leave Duration and Pay
• Cost of Coverage
• How the STD Plan Works
• Length and Amount of Benefits
• Short-Term Disability Pay Schedule*
• 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
• Who’s Eligible
• Who’s Not Eligible
• Cost of Coverage
• Group LTD
• Individual Disability Insurance (“IDI”)
• 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
• How to Enroll 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 to File Claims
• 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
• Subrogation
• Right of Reimbursement
• 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
• Tobacco User Status
• 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
• SurvivorSupport® Financial Counseling Services
• Identity (ID) Theft Assistance Program
• Travel Assistance and Emergency Evacuation Services
• Funeral Concierge Services
• Supplemental Term Life Insurance
• Employee Supplemental Term Life Insurance
• Dependent Supplemental Term Life Insurance
• Evidence of Insurability
• When Benefits Are Paid
• Accelerated Benefit Option
• 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

• Other Benefits

• The Health & Wellness Centers Plan
• Health & Wellness Centers Highlights
• Who’s Eligible?
• Who’s Not Eligible?
• No Enrollment Necessary
• When Coverage Ends
• Available Services and Their Costs
• Cost
• Using the Centers
• Claiming Benefits
• Your Privacy
• 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
• If You Are an Enrolled Employee
• If You Are a Newly Hired or Newly Eligible Employee
• 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
• How to File Claims
• Where to Submit Claims
• Appealing Claims
• 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?
• Additional Covered Persons
• 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
• Back-Up Child Care Highlights
• Who’s Eligible?
• Who’s Not Eligible?
• Eligible Children
• Special Needs
• Advance Registration Required
• What the Centers Provide
• About the Dedicated Centers
• About the Bright Horizons Centers
• Special Programs
• 8-week Advantage Program
• Summer Advantage Program
• Patriotic Leave Program
• Relocation Program
• Travel Program
• Using Back-Up Care
• Registration
• Reserving Back-Up Child Care
• At the Child Care Center
• Cancelling Reservations
• What Care Costs
• Copayments
• Penalty Fees
• Late Cancellations
• No-Shows
• Taxes and Imputed Income
• What Happens If You Exceed the Limit?

• Expatriate Medical and Dental Plans
• Your Options by Group
• Expatriate Plan Highlights
• Eligibility and Enrollment
• Who’s Eligible?
• Who’s Not Eligible?
• Eligible Dependents
• Qualified Medical Child Support Orders
• Enrolling
• Coverage Levels
• Cost of Coverage
• How to Enroll
• When Coverage Begins
• When Payroll Contributions Begin
• Changing Your Coverage Midyear
• HIPAA Special Enrollment Rights
• When Coverage Ends
• Expatriate Medical Plan
• Privacy Information
• How Your Medical Benefits Work
• If You Receive Care in the United States
• If You Receive Care Outside the United States
• 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
• In-Network Care
• Out-of-Network Care
• How the Expatriate Dental Plan Pays Benefits
• The Annual Deductible
• Coinsurance
• Orthodontic Covered Services
• Maximum Benefits
• What Is Covered
• Preventive Care Services
• Basic Restorative Care Services
• Major Restorative Care Services
• Alternate Benefit Provision
• What Is Not Covered
• Other Limitations
• 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

• The Hawaii Medical Plan

• Retiree Benefits Program

• Plan Administration
• General Information
• Plan Administrative Information
• Participating Companies
• Your Rights Under ERISA
• Privacy Information
• Privacy Notice
• Claims Related to Eligibility to Participate in the Plans and Plan Operations
• How to File This Type of Claim and What You Can Expect
• If Your Claim Is Denied
• 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
• Non-Duplication of Benefits
• Determining Primary Coverage
• Coordination with Medicare
• Right of Recovery
• Subrogation of Benefits
• Right of Reimbursement
• Special Notice for Employees Who Have Been Rehired by JPMorgan Chase

• Contacts

• Print a Section

• Archives