2015 Pre-Medicare Retiree Annual U.S. Benefits Enrollment Bulletin

Transcription

1 OCTOBER Pre-Medicare Retiree Annual U.S. Benefits Enrollment Bulletin 2015 Annual U.S. Benefits Enrollment Ends November 7, 2014 Welcome to the annual enrollment period for the JPMorgan Chase 2015 U.S. Benefits Program. This bulletin is for pre-medicare retirees and their eligible covered pre-medicare family members. If you are a Medicare-eligible retiree, this bulletin addresses your pre-medicare dependents 2015 coverage elections, which you will continue to make on their behalf through the Benefits Web Center/accessHR Contact Center until those dependents become eligible for Medicare with coverage provided through OneExchange (see page 2 for additional information). Now is the time to consider and make choices about these plans for You and/or your dependents may be eligible for coverage under the following plans: Retiree Medical, Retiree Dental, Retiree Vision, and/or Retiree Life Insurance (Retiree only). WHAT S INSIDE Move to OneExchange for Medicare-eligible participants... 2 What s Changing for 2015: Pre-Medicare Retirees... 3 Changes to Paying for Coverage... 5 Important Steps to Take: Your Enrollment Checklist... 6 Additional Details for Pre-Medicare Retirees... 7 Tools to Help You Choose and Enroll... 9 Now Is the Time to Enroll Benefit Reminders As you may know, beginning January 1, 2015, JPMorgan Chase medical, prescription drug, dental, and vision plan options will be terminated and How to Use Single Sign-On replaced for Medicare-eligible retirees and Medicare-eligible family members with coverage offered through OneExchange, the country s largest and most experienced private Medicare Exchange provider. More information on this change can be found on page 2, including what happens if one of you is pre-medicare eligible and the other is Medicare-eligible (split family). IMPORTANT NOTE: If you are currently deferring any coverage, you have a one-time opportunity this fall to enroll in JPMorgan Chase benefits for January 1, There will no longer be a deferral opportunity. See enclosed supplement for more information. While we're not making significant changes to the design of the medical or other plans for 2015 for pre- Medicare participants, we encourage you to review your current Medical Plan options - including your health care company - to be sure it continues to meet the needs of you and your covered dependents. Your Enrollment Checklist on page 6 will guide you through making your decisions for TAKE ACTION BEFORE NOVEMBER 7! Check the Personalized Fact Sheet for all of the pre-medicare 2015 coverage options and costs. More information is also available on the enclosed Health Plan Comparison Charts and on My Health, your online centralized resource for plan information. See more information regarding the tools and resources available on pages Enroll before the November 7, 2014, benefits enrollment deadline, or any pre-medicare participant will be assigned coverage based on their current elections with 2015 costs. If changes are needed, go to My Health and click Enroll now to make your 2015 elections, or use the online tools available on the Benefits Web Center. You can access My Health via the internet at myhealth.jpmorganchase.com Retiree Annual U.S. Benefits Enrollment Bulletin 1

2 Move to OneExchange for Medicare-Eligible Participants New Approach to Health Care Coverage for Medicare-Eligible Retirees As previously communicated in late August 2014, beginning January 1, 2015, JPMorgan Chase will partner with OneExchange, the country s largest and most experienced private Medicare exchange. The health care plan options available through OneExchange (medical, prescription drug, dental and vision coverage) will replace the current JPMorgan Chase health care plan options for all Medicare-eligible participants beginning January 1, Enrollment through One Exchange is October 13 through December 31, OneExchange has sent enrollment materials to those currently eligible for Medicare. There will be separate elections for Medicare-eligible participants and their Medicare-eligible family members as the coverage through OneExchange is individualized coverage. As a pre-medicare retiree or covered dependent, you will receive information from OneExchange in the future-closer to the time you become eligible for Medicare. OneExchange will not provide coverage for you and/or your covered dependents until you and/or your covered dependents become eligible for Medicare. Medicare-eligible participants who are currently eligible for and receiving a subsidy for medical coverage, based on the rules in effect at the time of their retirement, will be provided with an annual contribution to an account called a Health Reimbursement Arrangement (HRA) on January 1, 2015, after they have enrolled with OneExchange. This account can be used to offset eligible medical, prescription drug, dental and vision premiums, and other medical, dental, and vision out-of-pocket costs. If you have questions, OneExchange can be reached toll-free at , 8 a.m. to 9 p.m., Eastern Time, Monday through Friday. You may also access the OneExchange website for JPMorgan Chase members at With OneExchange, the Medicare-eligible participant may enroll in Medicare Part D coverage and not impact the pre-medicare participant s medical plan coverage with JPMorgan Chase. Having Split Family Coverage Having split family coverage means one or more family members are Medicare-eligible and one or more family members are not yet eligible for Medicare. When this happens, members of the same family are covered under separate options (i.e., one as pre-medicare with JPMorgan Chase Retiree Plans and one as Medicare-eligible with health care coverage through OneExchange) beginning January 1, If the pre-medicare covered family member is eligible for a medical subsidy (based on the rules in effect at the time of retirement), the subsidy will continue to offset the JPMorgan Chase medical premium as long as the pre-medicare covered family member remains enrolled in JPMorgan Chase medical coverage. Once that covered family member becomes eligible for Medicare, the subsidy will be deposited annually to a HRA with OneExchange as long as that family member enrolls in medical coverage through OneExchange. Please be sure to review 2015 plan information with your family members. If you (as the former JPMorgan Chase employee) are pre-medicare, look through this bulletin and choose the right options for you and your pre-medicare covered dependents, and enroll in JPMorgan Chase benefits using the Benefits Web Center or by calling the accesshr Contact Center (contact information on page 12). If you are the former JPMorgan Chase employee and are Medicare-eligible, you need to enroll your pre U.S. Retiree Annual Benefits Enrollment Bulletin

3 Medicare dependents through the Benefits Web Center or by calling the accesshr Contact Center, as well as enroll yourself through OneExchange. You will find the pre-medicare participant(s) Health Plan Comparison Charts in this package along with their Personalized Fact Sheet; both are also available on the Benefits Web Center via My Health. What s Changing for 2015 for Pre-Medicare Participants Medical Plan You will continue to have access to the Consumer Driven Health Plan (CDHP) Option 1 and Option 2, offered through Cigna and UnitedHealthcare (UHC). CDHPs encourage participants to become better consumers of health care services and take a more active role in managing and improving their health. To get the most out of these types of plans, participants need to be involved for example, by researching treatment alternatives and provider quality and taking part in wellness programs to improve and maintain their health. Please Note: If you are currently enrolled in either the Point-of-Service (POS) High or Low Options with UHC, you will continue to have access to those options for Medical Plan Changes We ll be making these minor changes to your Pre-Medicare Retiree Medical Plan options: Out-of-pocket in-network coinsurance maximum under Medical Plan Option 2 will be decrease in 2015 to comply with Affordable Care Act (ACA) mandates. It will be reduced from $3,500 to $3,050 for Retiree Only coverage and from $7,000 to $6,100 for Family coverage. This change applies to CDHP only. Increased total lifetime Infertility Benefits when you use a Center of Excellence (COE)-$30,000 for a COE versus $10,000 for a non-coe. Please contact your health care company at the number on the back of your ID card for more information. This change applies to both POS High or Low participants as well as CDHP participants. Prescription Drug Plan Your prescription drug coverage is part of the Medical Plan and is administered by CVS Caremark. Though it is part of the Medical Plan, it has a different plan design, with separate deductibles and a separate safety net in the form of per-prescription maximums and annual out-of-pocket maximums. The CDHP plan offers free preventive generic drugs, a flat copayment for generic drugs, coinsurance for brandname drugs (lower coinsurance for preferred brand-name), and the option of having long-term prescriptions filled through a convenient mail-order program or at an in-network retail pharmacy. To find an in-network retail pharmacy near you, go to Caremark s website through My Health Prescription Drug Plan Changes for CDHP and POS High/Low 1. The CVS Caremark covered drug list is changing for With this change, approximately 100 drugs and drug supplies (e.g., certain diabetic test strips) that have either a generic or cost-effective therapeutic equivalent will no longer be covered under the Prescription Drug Plan and you will pay the full cost of the drug if you continue to take it in For a list of excluded drugs, go to My Health > 2015 Benefits Resources > 2015 Drug Exclusion List. Participants who are currently taking a drug that will no longer be covered, along 2015 Retiree Annual U.S. Benefits Enrollment Bulletin 3

4 with their doctors, will be notified on this change in mid-october and December of Please Note: An independent committee made up of pharmacists, physicians, and medical ethicists review and approve the drug list (also known as Formulary). 2. The maximum out-of-pocket costs for prescription drugs will be lower. The prescription drug co-insurance maximum will be reduced from $2,000 for retiree only/$6,000 for family coverage to $1,000 for Retiree Only/ $1,950 for Family coverage (does not include retail deductible). Once you reach your out-of-pocket coinsurance maximum (the most you pay out-of-pocket during the year), JPMorgan Chase pays 100% of the cost of covered prescription drugs for the rest of the year. 3. Certain specialty self-administered drugs will be covered by the prescription drug plan but excluded from the Medical Plan. Certain self-administered specialty drugs, which can be administered orally, via inhalation or self-injected (such as Forteo and Procrit), will be covered by the Prescription Drug Plan instead of the Medical Plan. Participants who are currently taking medications affected by this change will be notified in early November to set up medications for delivery by Caremark Specialty in Group Legal Services JPMorgan Chase is discontinuing the Group Legal Plan for all retirees effective midnight December 31, Any legal work currently in progress that was started prior to that date, on a matter covered under the Group Legal Plan, can be continued with Hyatt Legal Plans in 2015 until such time that the legal work concludes. Since JPMorgan Chase is terminating the group plan offering for retirees, there is a one-time portability option to convert the group plan offering to individual thirty month coverage at the same current monthly rate and covered services. If desired, you will elect this coverage through Hyatt Legal Plans, the current group plan insurer, not through JPMorgan Chase. Please note: If elected, Hyatt Legal Plans will bill you upfront for the full 30 months of premium. If you would like this additional thirty months of legal services coverage, you must contact Hyatt Legal Plans directly by January 31, 2015 (31 days from date your current coverage ends) they will not be sending you information in the mail on this additional coverage. The Hyatt Legal Plans Customer Service Center can be reached at , Monday through Friday, between 8:00 a.m. to 7:00 p.m. Eastern Time. OTHER RETIREE BENEFITS: There are no plan design changes to Retiree Dental, Vision, and Life Insurance Plans for U.S. Retiree Annual Benefits Enrollment Bulletin

5 Changes to Paying for Coverage Have You Made the Switch to Direct Debit from a Financial Account? Are you sometimes late making your premium payments or worry that you might forget? Do you travel frequently and need an easy method of making sure your premiums are paid on time? Now it s more important than ever to sign up for direct debit from the financial account of your choosing. Beginning January 1, 2015, if your payment is 31 days past due, your coverage is terminated for non-payment, and you will not be able to re-enroll in coverage for the remainder of the year or at anytime in the future. For example, your January 1 payment is past due after January 31. Your February 1 payment is past due after March 3. Take the worry out of having your coverage terminated, sign up for direct debit by calling the accesshr Contact Center (contact information is found on page 12). Health Care Premium Deductions No Longer Available from Monthly Pension We are no longer offering health care coverage premium deductions from your monthly annuity payment under the JPMorgan Chase Retirement Plan. Your last 2014 premium deduction will be made in early December 2014 for your December 2014 health care premiums. If you want to elect direct debit from the financial account of your choosing for your January 1, 2015 premium payment, you must elect direct debit by November 7, During enrollment, there are two ways to set up direct debit-either by calling the accesshr Contact Center (information on page 12) or by electing direct debit during your enrollment event on the Benefits Web Center (My Health > Enroll Now). If you do not make a direct debit election during enrollment or through the access HR Contact Center by November 7, you will be automatically defaulted to direct bill (monthly invoice) for your January 2015 coverage. You will receive your bill for January around December 15 and must pay for that coverage by January 31, Subsequent monthly bills will be sent in a similar timeframe. Note: If you choose to submit a monthly check and miss a payment, your coverage will be terminated for nonpayment if your payment is 31 days past due, and you will not be able to re-enroll in JPMorgan Chase coverage for the remainder of the year or at anytime in the future. Direct debit avoids having late payments and the possibility of coverage termination. A WORD ABOUT DEPENDENT ELIGIBILITY If you are eligible for retiree benefits, you can cover eligible dependents (e.g., spouse/domestic partner, children) that were part of your family on the date you retired, regardless of whether they were covered under the JPMorgan Chase Medical Plan for active employees. However, to add a dependent who was not previously covered, you must be able to prove that he or she had continuous coverage under an employer- or group-sponsored medical plan (including Health Insurance Marketplace coverage beginning January 1, 2014) for 18 months immediately prior to the date he or she is enrolled in your retiree coverage.* Children are eligible until the end of the month in which they turn age 26. For more on eligibility requirements, access the 2015 Dependent Eligibility Requirements via My Health. IMPORTANT NOTE: If your eligible dependent(s) have been deferring coverage and want coverage for 2015 or the future, you must enroll them for coverage for January 1, There is no longer a deferral opportunity starting January 1, *It is solely JPMorgan Chase s right to determine whether the proof provided confirms that you and/or your dependent(s) were actually covered under another plan for the requisite time Retiree Annual U.S. Benefits Enrollment Bulletin 5

6 Important Steps to Take by Nov. 7: Your Enrollment Checklist If you are currently deferring retiree coverage for yourself or a dependent, determine if you want coverage from JPMorgan Chase either now or at anytime in the future. If you do, you must enroll during this enrollment period (by November 7). Deferral of coverage is no longer available starting January 1, 2015, see enclosed Supplement for Those Currently Deferring Coverage for more information. Review your Pre-Medicare Medical Plan options, and elect the coverage that is best for you and your family. Compare your pre-medicare options both within the JPMorgan Chase Retiree Medical Plan and with any other plans available to you, such as through your spouse/domestic partner s employer or former employer, or other options available to your child(ren). Take everything into consideration when making your choice. Go to My Health and click Enroll now to access the Benefits Web Center where you can review the Health Plan Comparison Charts and compare the costs and coverage provided under each option. Decide whether your health care company is still the right fit for you. Both Cigna and UnitedHealthcare (UHC) offer the same design and monthly contributions to pre-medicare retirees. Check out the tools, resources, and wellness programs each health care company offers, and whether your doctors are in their networks. You can access the health care company websites through My Health, or through the Benefits Web Center. Review your Retiree Dental, Vision, and Life Insurance options and make sure they are still right for you in You may elect to reduce any life insurance you have, but you are not allowed to elect an increased value. If you are Medicare-eligible, you should review options available to you and enroll through OneExchange. Remember: If you have pre-medicare covered family members, you (the former employee) will enroll them in JPMorgan Chase plans through the Benefits Web Center. Consider setting up direct debit from a financial account to pay for your coverage, especially if you currently have deductions taken from your JPMorgan Chase monthly pension annuity check. Update your dependent information. Your Personalized Fact Sheet includes the information currently on file for you and your covered dependents. Please review this information carefully, including your dependent information (e.g., date of birth, SSN), and make any necessary changes by visiting the Benefits Web Center via the "Enroll now" link on My Health. To review JPMorgan Chase s dependent eligibility requirements, please visit My Health > 2015 Benefits Resources. Be sure your dependents information is correct. If you cover dependents under your JPMorgan Chase plans, be sure their name, address, and Social Security Number are up to date. This information is important for us to have and is required by the Affordable Care Act (ACA). Take advantage of the online enrollment tools available to you. Visit the Benefits Web Center via the Enroll now link on My Health, where you ll find your monthly cost for coverage, plan details, a comparison of your available options, and links for the health care company websites. Understand the rules for mid-year changes. If your family situation changes, you may be eligible to make changes to your benefits as follows: Qualified status changes: The annual benefits enrollment period is the only time you can enroll in or make changes to your benefits during the year, unless you experience a qualified family status change (such as gain coverage from another source or divorce). In the event of a status change, any resulting coverage changes must be made within 31 days after the date of the event. Call the accesshr Contact Center right away if you experience a qualifying event. (See page 12 for contact information.) U.S. Retiree Annual Benefits Enrollment Bulletin

7 If you or your dependent becomes eligible for Medicare during the year: You will receive information from OneExchange with instructions for enrolling in coverage. You can contact OneExchange if desired for information on their plans at , 8 a.m. to 9 p.m., Eastern Time, Monday through Friday. Please contact the accesshr Contact Center if you become eligible for Medicare as the result of a disability prior to age 65. (See page 12 for contact information.) Additional Details for Pre-Medicare Retirees Your 2015 Medical Plan At-a-Glance The JPMorgan Chase Retiree Medical Plan is designed to help you manage your health by providing tools and resources that help you make better decisions about your health and the care you and your family receive. The key components of the CDHP Option 1 and Option 2, which continue in 2015, include: In-network age- and gender-appropriate preventive care is covered at 100% with no deductible. This includes physical exams, recommended screenings, and immunizations. In-network primary care office visits are covered at 90% with no deductible. This includes visits to a family practice doctor, internist, 1 pediatrician, and OB/GYN, as well as visits to convenience care clinics. Other in-network medical care has a deductible. The Plan generally pays 80% of costs for other care such as specialist visits, hospital stays, labs, and outpatient facilities after an annual deductible is met. Out-of-network care does not require a referral. You will pay 100% of the cost for services for out-of-network doctors, until you reach a separate, higher out-of-network deductible. After this deductible is met, out-of-network medical services are covered at 60% up to the reasonable and customary (R&C) limit. You are responsible for amounts above the R&C limit. The Plan s coinsurance maximum gives you a financial safety net that limits the amount you have to pay in coinsurance each year. Prescription drug benefits are part of your medical coverage and are provided through CVS Caremark. This benefit has a separate retail deductible for brand-name drugs and a separate safety net in the form of perprescription maximums and annual out-of-pocket maximums. Eligible generic preventive drugs are covered at 100% (no deductibles or copayments/coinsurance). You pay flat copayments for generic drugs and different coinsurance percentages if you use preferred or non-preferred brand-name drugs. WHAT S THE DIFFERENCE? The key difference between CDHP Option 1 and Option 2 is that Option 1 has higher monthly contributions and a lower deductible and coinsurance maximum, while Option 2 has lower monthly contributions and a higher deductible and coinsurance maximum. Learn more about your Medical Plan and how it works on My Health, where you can access tools and resources, such as the Health Plan Comparison Charts, and link to the health care companies websites. Enrolled in POS High or Low? Only retirees who were enrolled in POS High and Low as of January 1, 2012, and have remained continuously enrolled in POS High and Low, may continue that coverage in Internists must be contracted with Cigna or UHC as Primary Care Physicians (PCP). Go to Cigna s or UHC s websites through My Health to search for PCPs/primary care Retiree Annual U.S. Benefits Enrollment Bulletin 7

8 Wellness Update for Pre-Medicare Retirees The health care company you choose for CDHP Option 1 or Option 2 (Cigna or UHC) will administer wellness programs such as health coaching and condition management. A health coach can help you manage your health by explaining your Wellness Assessment results, helping you set and reach goals, assessing treatment options for certain conditions, or giving you advice on preventive care. If you have a chronic condition such as asthma, diabetes, heart disease, or low back pain, the Condition Management Program can provide you with support from a registered nurse to help you manage your personal condition and coordinate treatment with your doctor. Please Note: Your health care company may contact you to discuss how you can benefit from these programs. Take the call! TAKE THE WELLNESS ASSESSMENT You might be surprised by what you discover. The assessment is a simple, online health and lifestyle questionnaire that takes about 15 minutes to complete. It requires you to enter some basic health information like weight, blood pressure, cholesterol, and similar test results so it s a good idea to take the assessment after you ve had a health screening at your doctor s office or neighborhood clinic. Your results will provide you with helpful information about what you re doing well, recommendations for improving your health, and potential issues to discuss with your doctor. YOUR PRIVACY IS IMPORTANT The privacy of your health information is important to you-and to JPMorgan Chase. You can be sure that your personally identifiable health information is protected and secure, and complies with privacy laws, including the Health Insurance Portability and Accountability Act (HIPAA) Enrolled in POS High or Low? Retirees enrolled in POS High and Low Options do not have access to health coaching and condition management programs. However, you can take a Wellness Assessment through UHC s website available through My Health. NEW 2014 RETIREES: If you participated in a CDHP Option as an employee and retired in 2014, any Medical Reimbursement Account (MRA) funds you do not use for eligible 2014 expenses will carry over to 2015 and may be used for eligible expenses incurred in 2015 and later years. However, as a retiree, you are no longer eligible to earn MRA funds. If you decide to change your health care company for 2015 (from UHC to Cigna or vice versa), you ll also be changing the company that administers your MRA. It s important to know that there will be a delay in transferring your 2014 unused MRA funds to your new 2015 health care company. This delay is designed to allow your 2014 health care company access to 2014 funds in your MRA to pay any late-year 2014 medical and pharmacy claims that are processed in the first four months of If this causes you a financial concern, contact your 2015 health care company who can work to move those funds faster U.S. Retiree Annual Benefits Enrollment Bulletin

9 Tools to Help You Choose and Enroll In addition to this Retiree Annual Benefits Enrollment Bulletin, several resources are available on My Health to help you during this retiree benefits enrollment, including a link to the Benefits Web Center, where you will make your enrollment choices. If you want to make changes or use the online tools, you can access My Health via the internet at myhealth.jpmorganchase.com and select Retiree (or Dependent of Retiree for your covered family members). Once on My Health, click the Enroll now green button. IF YOU ARE NOT A JPMORGAN CHASE RETIREE If you are covered as a surviving spouse/domestic partner or dependent child of a JPMorgan Chase retiree and you do not have access to My Health, see page 11 for more details on how to enroll. If you are a pre-medicare covered dependent of a Medicare-eligible retiree, the former employee will need to elect coverage for you on the Benefits Web Center even though he/she is enrolling through OneExchange. See page 11 for more details on how to enroll Retiree Annual U.S. Benefits Enrollment Bulletin 9

10 The following chart provides an overview of important resources to help you make your decisions about coverage for 2015: Enrollment Resource Personalized Fact Sheet Health Plan Comparison Charts on Benefits Web Center Provider Search on Benefits Web Center Dependent Eligibility Requirements Tip Sheets Beneficiary Designation Form Where You ll Find It Mailed with this Enrollment Bulletin Go to My Health and click Enroll now (Also included in your enrollment package) Go to My Health and click Enroll now Go to My Health > Resources for Pre-Medicare eligible individuals Go to My Health > Resources for Pre-Medicare eligible individuals Access via the internet Beneficiary.jpmorganchase.com Details The Personalized Fact Sheet (PFS) highlights your 2015 coverage options and costs under the following benefits plans (if eligible): Retiree Medical, Retiree Dental, Retiree Vision, and Retiree Life Insurance. The Retiree Medical Plan options available to you are based on your home zip code. The Medical, Dental, and Vision Plan Comparison Charts included with your enclosed PFS summarize key provisions for each option. You are encouraged to review the full Health Plan Comparison Charts, available through My Health, for the most detailed and up-to-date information, as well as links to the health care, dental, and vision companies. If you are eligible for retiree life insurance, the amount of coverage in effect for January 1, 2015, is also listed. Side-by-side comparison of your 2015 Medical, Dental, and Vision Plan options and how they compare with current plans Online provider directories show whether your provider is in the health care company networks and let you search for PCPs and specialists Describes the dependents who are eligible for retiree benefits through JPMorgan Chase Provides you more information regarding: Choosing Your Medical Plan Option and Health Care Company Covering a Domestic Partner Allows you to make changes to your current designations under the Retiree Life Insurance Plan as necessary U.S. Retiree Annual Benefits Enrollment Bulletin

11 Now Is the Time to Enroll FOR FORMER EMPLOYEES (PRE-MEDICARE RETIREE OR MEDICARE ELIGIBLE RETIREE ENROLLING PRE-MEDICARE COVERED DEPENDENTS) Your first stop for enrollment is My Health via the internet at myhealth.jpmorganchase.com. Click Enroll now to access the Benefits Web Center. You will need to enter your Standard ID number, shown on your enclosed Personalized Fact Sheet, and your JPMorgan Chase Single Sign-On password (see How to Use Single Sign-On on page 14). FOR SURVIVING DEPENDENTS OF A JPMORGAN CHASE RETIREE If you are covered as a surviving spouse/domestic partner or dependent child of a JPMorgan Chase retiree, you do not have access to My Health. You may request any of the information in this bulletin by calling the accesshr Contact Center at You may also enroll through the accesshr Contact Center; representatives are available to assist you from 8 a.m. to 7 p.m. Eastern Time, Monday through Friday, except certain U.S. holidays. FOR THOSE WHO HAVE BEEN DEFERRING COVERAGE AND NOW WANT TO ENROLL If you have been deferring coverage and want to enroll during this one-time opportunity, you may request any of the information in this bulletin by calling the accesshr Contact Center at You may also enroll through the accesshr Contact Center; representatives are available to assist you from 8 a.m. to 7 p.m. Eastern Time, Monday through Friday, except certain U.S. holidays. Representatives will instruct you on how to provide proof of continuous coverage. Confirming Your Coverage If you make any changes to your assigned coverage or you enroll for the first time in 2015, you must confirm your elections: Online through the Benefits Web Center; you ll need to Confirm your choices in order to complete your enrollment. You ll know that your elections have been saved when you see the Completed Successfully screen. Please print a copy of this screen and retain it for your records. You will also be able to view and print your 2015 coverage through the Benefits Web Center. This will serve as your confirmation of your 2015 benefits elections. You will not receive a paper confirmation statement in the mail. By calling the accesshr Contact Center, a confirmation of your 2015 benefits elections will be mailed to your home address. REMINDER If you do not make any changes during your designated enrollment period, the information shown on the Enroll in Your Benefits screen on the Benefits Web Center, available through My Health, and the enclosed Personalized Fact Sheet will serve as confirmation of your 2015 retiree benefits elections. You will not receive another confirmation from JPMorgan Chase Retiree Annual U.S. Benefits Enrollment Bulletin 11

12 To Reach the accesshr Contact Center If you can t access My Health, need more information, or need personal assistance after you ve been to My Health, call the accesshr Contact Center at JPMChase ( ) or if calling from outside the United States. Then follow the Quick Path steps: Enter your Standard ID or Social Security number; and Press 1: Enter your PIN; and Press 9. The accesshr Contact Center representatives are available from 8 a.m. to 7 p.m. Eastern Time, except certain U.S. holidays. FORGOT YOUR PIN? You ll need your PIN to access the accesshr Contact Center. If you ve forgotten your PIN, you can reset it yourself by calling JPMChase ( ). When prompted to enter your PIN, press 0 followed by #, and follow the prompts. Once the reset process is complete, you can proceed through the telephone system. Get Additional Help with Health Advocate In addition to your health care company s support, Health Advocate helps you navigate the complex health care system. You get help: Understanding your JPMorgan Chase retiree medical, prescription drug, dental, and vision benefits; Evaluating coverage options available through the Health Insurance Marketplace exchanges or understanding other aspects of health care reform; Resolving benefits claims issues; Finding quality providers in your network; Maximizing your health care benefits; Scheduling appointments with hard-to-reach specialists; Locating community resources and assistance with non-jpmorgan Chase benefits issues, and more. To contact Health Advocate, Inc., call Monday through Friday, from 8 a.m. to 9 p.m. Eastern Time. This service is available to eligible covered dependents as well Retiree Annual U.S. Benefits Enrollment Bulletin

13 Benefit Reminders HIPAA Privacy Rights and Protected Health Information The Health Insurance Portability and Accountability Act (HIPAA) requires employers to communicate how certain protected health information under employee and retiree health care plans may be used and disclosed, as well as how plan participants can get access to their protected health information. Accordingly, JPMorgan Chase will distribute once every three years a Privacy Notice of Protected Health Information Under the JPMorgan Chase Health Care Plans to you that describes in detail how your personal health information may be used and your rights with regard to this information. (This notice will be distributed in December 2014.) Newborns and Mothers Health Protection Act In accordance with the Newborns and Mothers Health Protection Act, group medical plans and health insurance issuers may not, under federal law, restrict benefits for any hospital length of stay in connection with childbirth for the mother or newborn child to less than 48 hours following a normal delivery, or to less than 96 hours following a cesarean section. Further, the plan cannot require that any medical provider obtain authorization from the plan or any insurance issuer for prescribing a length of stay less than these periods. Medical Plan Post-Mastectomy Benefits All options under the JPMorgan Chase Retiree Medical Plan cover certain breast reconstructive benefits in conjunction with a mastectomy for eligible participants. Coverage is available for: Reconstruction of the breast on which the mastectomy was performed; Surgery and reconstruction for the other breast to produce a symmetrical appearance; and Prosthesis and treatment of physical complications for all stages of mastectomy, including lymphedema. This coverage is subject to the terms of the Medical Plan option in which you participate, including relevant deductibles and coinsurance provisions. For more information, please contact your health care company Retiree Annual U.S. Benefits Enrollment Bulletin 13

14 How to Use Single Sign-On To ensure the security of the Benefits Web Center, a Single Sign-On password is required before access can be processed. You ll know to use the Single Sign-On password when you see this image: Former Employees: How to Log On from Home Through the Internet Step 1 ENTER YOUR STANDARD ID ON THE SINGLE SIGN-ON SCREEN. The Standard ID that was in effect at the time you left JPMorgan Chase will remain in effect after you leave. ENTER YOUR DEFAULT PASSWORD, which is composed of: The first three characters of your Standard ID; The last four digits of your Social Security number or national ID number; and The first letter of your last name. For example, if Joe Smith s Standard ID is U and his Social Security number is ; his initial password is: U126789S. CLICK LOGIN. Step 2 CHANGE YOUR PASSWORD. Re-enter your initial password in the Current Password field, and then create and confirm a new password following the rules outlined at the top of the screen. You will need to change your password on your first visit only. Please remember the password you choose for future access. CLICK CONTINUE. You ll now access the requested website or tool. Please Note: You will be able to create a new password during your initial visit only. You will be unable to reset your password automatically through Single Sign-On during subsequent visits. Please refer to Contact Information below for the appropriate telephone number to call in order to reset your password. Contact Information for Former Employees ACCESS THE BENEFITS WEB CENTER FROM MY HEALTH From My Health > Enroll now, you can link to the Benefits Web Center where you can follow the Single Sign-On instructions to make your coverage choices. To reset your password, ask questions regarding your Standard ID, or obtain further assistance, please call From outside the United States, please call Retiree Annual U.S. Benefits Enrollment Bulletin

15 2015 Retiree Annual U.S. Benefits Enrollment Bulletin 15

16 This Bulletin modifies and changes Your Guide to Retiree Benefits at JPMorgan Chase and is a summary of material modification for certain plans under the JPMorgan Chase U.S. Retiree Benefits Program. It supplements, clarifies, and amends various sections of the Guide and the Summary Plan Descriptions, and should be referred to as part of the Guide and the Summary Plan Descriptions. Please retain this information for your records. The JPMorgan Chase U.S. Benefits Program is available to individuals who met the applicable retiree benefits age and service criteria when their employment terminated with JPMorgan Chase or a heritage organization. This information does not include all of the details contained in the applicable insurance contracts, plan documents, and trust agreements. If there is any discrepancy between this information and the governing documents, the governing documents will control. JPMorgan Chase & Co. expressly reserves the right to amend, modify, reduce, change, or terminate its benefits and plans at any time, including its U.S. Retiree Benefits Program. The JPMorgan Chase U.S. Retiree Benefits Program does not create a contract or guarantee of employment between JPMorgan Chase and any individual. JPMorgan Chase or you may terminate the employment relationship at any time. 10/2014 JPMorgan Chase & Co. All rights reserved Retiree Annual U.S. Benefits Enrollment Bulletin