• Your JPMC Benefits Guide

• About This Guide

• Summaries of Material Modification (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

• 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 Core 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 Activity
• Tobacco User Status
• Regional Cost Categories

• The Medical Reimbursement Account (MRA) and Wellness

• The MRA
• Wellness Activities within the MRA

• Initial Wellness Activity (New Activity for 2021; Applies to Wellness Activity Completed in 2020)
• 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
• Covered 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

• The Prescription Drug Plan

• How the Prescription Drug Plan 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 and HCSA 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/HCSA 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

• Planning Treatments That May Cause Infertility

• Mental Health Benefits
• Hospice Care
• Coverage Limitations

• What Is Not Covered
• Defined Terms

• AE Bulletin for Core Medical Plan

• The Simplified Medical Plan

• Simplified Medical Plan Coverage Highlights
• Simplified Medical Plan Options
• Cost of Coverage
• Tax Treatment of Domestic Partner Coverage/Gross-Up Policy
• Total Annual Cash Compensation
• Simplified Wellness Program
• Tobacco User Status
• Covid-19 Vaccination Status
• Regional Cost Categories

• The Medical Reimbursement Account (MRA) and Wellness
• The MRA
• Wellness Activities within the MRA
• Initial Wellness Activity (New Activity for 2021, Applies to Wellness Activity Completed in 2020)
• Additional Wellness Activities Managed by Virgin Pulse
• Other Available 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
• Covered 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
• Highlights
• If You Move During the Year
• The Annual Deductible
• The Annual Out-of-Pocket Maximum
• Per Person Rule for Out-of-Pocket Maximums
• Maximum Lifetime Benefits
• Choosing Between In- and Out-of-Network Care
• Copayments (“Copays”) You Pay for Covered Services
• Covered Service Categories
• Additional Plan Provisions
• Hospital Notification
• Mental Health Benefits
• If You Need Emergency Care
• Centers of Excellence (COEs)
• NurseLine
• Maternity Benefits
• Infertility Benefits
• Organ Transplants and Bariatric Surgery
• Copayment Paid for Covered Benefits
• Covered Benefits: Eligible Preventive Care
• Covered Benefits: Other Services

• The Prescription Drug Plan
• How Prescription Drug Coverage Works
• 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 and HCSA to Pay for Services
• If You See an In-Network Provider
• If You See an Out-of-Network Provider
• The MRA/HCSA 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

• AE Bulletin for Simplified Medical Plan

• Kaiser HMO

• The Dental Plan

• Dental Plan Highlights
• Cost of Coverage

• Tax Treatment of Domestic Partner Coverage/Gross-Up Policy

• Health Care Spending Account and Automatic Claim Submission

• 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 During the Year
• If You Have a Work Status Change
• When Participation Ends
• Unused Spending Account Contributions

• Health Care Spending Account
• 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 Non‑Occupational 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 LTD 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

• 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
• First Year Opportunity
• 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

• When Coverage Begins
• Supplemental Term Life Insurance
• Accidental Death and Dismemberment (AD&D) Insurance
• Changing Your Coverage Midyear
• QSCs for Life and Accidental Death and Dismemberment (AD&D) Insurance Benefits
• When Coverage Ends
• When Dependent Coverage Ends
• Continuing Coverage After It 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
• Exclusion for Intoxication
• 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
• Claims Administrators’ Contact Information
• 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
• Identity Theft
• 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

• Using Full Service Care
• What Care Costs

• Copayments for Back-Up Care
• Copayments for In-Home Care
• Tuition for Full Service Care
• 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

• 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