2015 Annual U.S. Benefits Enrollment Ends November 7, 2014

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1 OCTOBER Annual U.S. Benefits Enrollment Bulletin For Medicare-eligible LTD Individuals including those with Pre-Medicare Dependents 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 Medicare-eligible individuals receiving long-term disability benefits (LTD) who are enrolling in health care benefits through OneExchange, and also for those who have pre- Medicare covered dependents. You have the opportunity once a year to review your Health Care and Insurance Plan coverage and make any necessary changes, including enrolling your pre-medicare dependents in coverage through the Benefits Web Center or the accesshr Contact Center. Now is the time to consider and make choices about these plans for Your eligibility for Supplemental Term Life Insurance, Accidental Death & Dismemberment (AD&D) Insurance, Group Legal Services, and/or Group Personal Excess Liability Insurance with JPMorgan Chase continues. WHAT S INSIDE Move to OneExchange for Medicare- Eligible participants... 2 What s Changing for Other Benefits... 4 Important Steps to Take: Enrollment Checklist... 5 Additional Details for Pre-Medicare Dependents of Medicare-Eligible Individuals... 7 Tools to Help You Choose and Enroll... 9 Now Is the Time to Enroll Benefit Reminders How to Use Single Sign-On Your pre-medicare dependents may be eligible for coverage under the Medical, Dental, and/or Vision Plans through JPMorgan Chase. As you know, beginning January 1, 2015, JPMorgan Chase medical, prescription drug, dental, and vision plan options will be terminated and replaced for Medicare-eligible participants on LTD and their Medicare-eligible covered 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 your dependents are pre-medicare eligible (split family). We encourage you to review the current Medical Plan options for your pre-medicare dependents-including their health care company-to be sure it continues to meet their needs. Your Enrollment Checklist on page 5 will guide you through making this and other decisions for TAKE ACTION BEFORE NOVEMBER 7! Check your Personalized Fact Sheet for all your and your dependents 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 you and your pre-medicare dependents will be assigned coverage based on current elections with 2015 costs. If changes are needed, go to My Health and click Enroll now to make 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. Remember to also enroll in health care coverage through OneExchange by December 31, Annual U.S. Benefits Enrollment Bulletin for Medicare-eligible LTD individuals including those with Pre-Med dependents 1

2 Move to OneExchange for Medicare-Eligible Participants New Approach to Health Care Coverage for Medicare-Eligible Participants 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, A new election through OneExchange is required by all Medicare-eligible participants desiring 2015 health coverage. 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. Pre-Medicare participants will receive information from OneExchange as they become eligible for Medicare. If your dependents become eligible for Medicare before turning 65, you should contact OneExchange to start the process of getting them enrolled. Medicare-eligible participants who are currently eligible for and receiving a subsidy for medical coverage, 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 Having Split Family Coverage OneExchange will not provide coverage for your covered dependents until they become eligible for Medicare. 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 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 Plans and one as Medicare-eligible with health care coverage through OneExchange) beginning January 1, If eligible, your pre-medicare covered family member will continue to receive subsidized medical coverage through JPMorgan Chase and you will receive your JPMorgan Chase subsidy for your coverage deposited annually into a HRA with OneExchange. Please be sure to review 2015 plan information with your family members. As the JPMorgan Chase LTD participant, who is Medicare-eligible, you must enroll your pre-medicare dependents through the Benefits Web Center or by calling the accesshr Contact Center (contact information found on page 11), as well as enroll yourself through OneExchange. You will find the pre-medicare participant(s) Health Plan Comparison Charts in this package along with your Personalized Fact Sheet; both are also available on the Benefits Web Center via My Health Annual U.S. Benefits Enrollment Bulletin for Medicare-eligible LTD individuals including those with Pre-Med dependents

3 What s Changing for 2015 Medical Plan Pre-Medicare dependents 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 your dependents 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 changes to the Pre-Medicare Medical Plan options: Out-of-pocket in-network coinsurance maximum under Medical Plan Option 2 will be decreased in 2015 to comply with Affordable Care Act (ACA) mandates. It will be reduced from $3,500 to $3,050 for Participant 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 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 your dependents continue to take it in For a list of excluded drugs, go to My Health > 2015 Resources > Medicare-eligible > 2015 Drug Exclusion List. Participants who are currently taking a drug that will no longer be covered, along 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) Annual U.S. Benefits Enrollment Bulletin for Medicare-eligible LTD individuals including those with Pre-Med dependents 3

4 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 Participant Only/$6,000 for Family coverage to $1,000 for Participant Only/$1,950 for Family coverage (does not include retail deductible). Once your dependents reaches their out-of-pocket coinsurance maximum (the most they 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 continue to 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 2014 to set up medications for delivery by Caremark Specialty in Other Benefits Group Legal Our JPMC Group Legal Plan will continue to be administered by Hyatt Legal in However, we re introducing more services under the plan at a lower cost, including: Elder/Caregiver Services Natural Disaster Insurance Claims Purchase/Sale Vacation/Investment Property Refinance of Primary/Secondary Residence Minor Traffic Incident/Ticket International Adoption Property Tax Assessment Building Codes Real Estate Disputes Neighbor Disputes Small Claims Court School Administrative Hearings Veterans Benefits Disputes Zoning and Variances Your Other Benefits Are Not Changing for 2015 Dental and Vision will not change for your covered dependents in Supplemental Term Life Insurance, Accidental Death & Dismemberment (AD&D) Insurance and Group Personal Excess Liability Insurance will also not change for you or your dependents in Please Note: The 2015 cost of any supplemental term life insurance is based on age as of December 31, Take this chance to review the elections and related costs, which may have changed, to make sure they are still the best options for you and your dependents. A WORD ABOUT DEPENDENT ELIGIBILITY If you are enrolled in benefits, you may also cover eligible dependents (e.g., spouse/domestic partner, children). 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 > Resources > Medicareeligible Annual U.S. Benefits Enrollment Bulletin for Medicare-eligible LTD individuals including those with Pre-Med dependents

5 Important Steps to Take: Enrollment Checklist Enroll in 2015 benefits by November 7. Go to My Health and click Enroll now to make your 2015 benefits elections. You can access My Health via the internet at myhealth.jpmorganchase.com. Review your dependents pre-medicare Medical Plan options, and elect the coverage that is best for them. Compare the pre-medicare options both within the JPMorgan Chase Medical Plan and with any other plans available to them, such as through their employer or former employer, or other options available to your dependents. Take everything into consideration when making the choice for your dependents. 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 the health care company is still the right fit. Both Cigna and UnitedHealthcare (UHC) offer the same design and monthly contributions to pre-medicare individuals. Check out the tools and resources each health care company offers, and whether your dependents doctors are in their networks. You can access the health care company websites through My Health, or through the Benefits Web Center. Review the Dental and Vision options and make sure they are still right for your dependents in Take a look at your other benefits-including Supplemental Term Life Insurance, Accidental Death & Dismemberment (AD&D) Insurance, Group Legal and Group Personal Excess Liability options. You may elect to reduce any life insurance you have, but you are not allowed to elect an increased value. Enroll in the medical, dental, and vision options available to you through OneExchange. OneExchange can be reached toll-free at , 8 a.m. to 9 p.m., Eastern Time, Monday through Friday. Remember: You (the LTD participant) will enroll your pre-medicare covered family members in JPMorgan Chase plans through the Benefits Web Center. YOUR ELECTIONS LAST ALL YEAR Elections you make during this annual enrollment period will become effective January 1, 2015, and remain in effect through December 31, The only time you can make a change during the year is if you have a qualified status change, like getting married or having or adopting a baby. In the event of a status change, any resulting coverage changes must be made within 31 days after the date of the event. If you experience a qualifying event, access the Benefits Web Center or call the accesshr Contact Center right away. If you don t make changes for 2015, generally your elections for 2014 will continue at 2015 rates. Update your dependents information. Your Personalized Fact Sheet includes the information currently on file for you and your covered dependents. Please review this information carefully, including your dependents 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 Resources > Medicare-eligible. 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 the available options, and links for the health care company websites Annual U.S. Benefits Enrollment Bulletin for Medicare-eligible LTD individuals including those with Pre-Med dependents 5

6 Understand the rules for mid-year changes. If your family situation changes, you may be eligible to make changes to your dependents 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 11 for contact information.) If your dependents become 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 call OneExchange if your dependents become eligible for Medicare as the result of a disability prior to age 65. NEED MORE TIME TO MAKE DECISIONS? If your spouse/ domestic partner s enrollment time frame is later than ours, you can call the accesshr Contact Center for assistance. See page 11 for contact information. PLEASE REMEMBER If you commenced a short-term disability leave after December 31, 2010, health care coverage will generally end after receipt of LTD benefits for two years. You would then have the right to elect to continue health care coverage at your own expense under COBRA for up to 18 months, or if Medicareeligible, you can contact One Exchange for information on their offerings Annual U.S. Benefits Enrollment Bulletin for Medicare-eligible LTD individuals including those with Pre-Med dependents

7 Additional Details for Pre-Medicare Dependents of Medicare- Eligible Individuals The 2015 Medical Plan At-a-Glance The JPMorgan Chase Medical Plan is designed to help your dependents manage their health by providing tools and resources that help them make better decisions about their health and the care they 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, but you may want to check with your health care company to assure services are covered. 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 eligible 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 provides a financial safety net that limits the amount you have to pay in coinsurance each year. Prescription drug benefits are part of your dependents 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 per-prescription 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 your dependents 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 participants 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 Annual U.S. Benefits Enrollment Bulletin for Medicare-eligible LTD individuals including those with Pre-Med dependents 7

8 Wellness Update for Pre-Medicare Dependents of Medicare-Eligible Individuals The health care company you choose for CDHP Option 1 or Option 2 (Cigna or UHC) will administer your pre- Medicare dependents wellness programs such as health coaching and condition management. A health coach can help them manage their health by explaining their Wellness Assessment results, helping them set and reach goals, assessing treatment options for certain conditions, or giving them advice on preventive care. If your dependents have a chronic condition such as asthma, diabetes, heart disease, or low back pain, the Condition Management Program can provide them with support from a registered nurse to help them manage their personal condition and coordinate treatment with their doctor. Please Note: The health care company may contact your dependents to discuss how they can benefit from these programs. They should take the call! TAKE THE WELLNESS ASSESSMENT Your pre-medicare dependents might be surprised by what they discover. The assessment is a simple, online health and lifestyle questionnaire that takes about 15 minutes to complete. It requires them 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 they ve had a health screening at their doctor s office or neighborhood clinic. Their results will provide them with helpful information about what they are doing well, recommendations for improving their health, and potential issues to discuss with their doctor. YOUR PRIVACY IS IMPORTANT The privacy of your health information is important to you- and JPMorgan Chase. You can be sure that your and your dependents personally identifiable health information, including biometric Wellness Screening results and Wellness Assessment answers, is protected and secure, and complies with privacy regulations, like those outlined in the Health Insurance Portability and Accountability Act (HIPAA). Enrolled in POS High or Low? Participants enrolled in POS High and Low Options do not have access to health coaching and condition management programs. However, your dependents can take a Wellness Assessment through UHC s website available through My Health Annual U.S. Benefits Enrollment Bulletin for Medicare-eligible LTD individuals including those with Pre-Med dependents

9 Tools to Help You Choose and Enroll In addition to this Annual Benefits Enrollment Bulletin, several resources are available on My Health to help you during this benefits enrollment, including a link to the Benefits Web Center, where you will make your dependents enrollment choices. Getting to My Health is easy; you can access the site anytime, and the Single Sign-On feature gets you around without having to re-enter passwords. 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 Long-Term Disability Participants (or Dependent of Long-Term Disability Participants for your covered family members). Once on My Health, you can find information on 2015 Resources > Medicare-eligible or click the Enroll now green button if you are ready to enroll. Although you dependents can access the information about enrollment on My Health, you must enroll them by clicking Enroll now Annual U.S. Benefits Enrollment Bulletin for Medicare-eligible LTD individuals including those with Pre-Med dependents 9

10 The following chart provides an overview of important resources to help you make your decisions about coverage for you and your pre-medicare dependents for 2015: Enrollment Resource Where You ll Find It Details Personalized Fact Sheet Health Plan Comparison Charts on Benefits Web Center Provider Search on Benefits Web Center Dependent Eligibility Requirements 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 > 2015 Resources > Medicare-eligible Tip Sheets Go to My Health > 2015 Resources > Medicare-eligible Beneficiary Designation Form Access via the internet: Beneficiary.jpmorganchase.com The Personalized Fact Sheet (PFS) highlights your and your pre-medicare dependents 2015 coverage options and costs under the following benefits plans (if eligible): Medical, Dental, Vision, Group Personal Excess Liability Insurance, Supplemental Term Life Insurance, AD&D Insurance, and Group Legal Services. Important Notes: The Medical Plan options available to your dependents are based on your home zip code. The Medical, Dental, and Vision Plan Comparison Charts included with the 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 life insurance, the amount of coverage in effect for January 1, 2015, is also listed. Side-by-side comparison of 2015 Medical, Dental, and Vision Plan options and how they compare with current plans Online provider directories show whether a provider is in health care company networks and lets you search for PCPs and specialists Describes the dependents who are eligible for benefits through JPMorgan Chase Gives you details on different topics, such as Choosing Your Medical Plan Option and Health Care Company and Domestic Partner Coverage Allows you to make changes to your current designations under the Life Insurance Plans as necessary Annual U.S. Benefits Enrollment Bulletin for Medicare-eligible LTD individuals including those with Pre-Med dependents

11 Now Is the Time to Enroll As the Medicare-eligible individual on LTD, you must enroll your pre-medicare dependents in coverage as well as select other benefit coverage available to you (e.g, Group Legal). 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). Confirming Your Coverage If you make any changes to your or your dependents assigned coverage, or you enroll dependents 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 and/or your dependents 2015 benefits elections will be mailed to your home address. REMINDER If you do not make any changes during the 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 and your dependents 2015 benefits elections. You will not receive another confirmation from JPMorgan Chase. 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; 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 Annual U.S. Benefits Enrollment Bulletin for Medicare-eligible LTD individuals including those with Pre-Med dependents 11

12 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 JPMorgan Chase 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 that are in-network; Maximizing your dependents medical, dental, and/or vision 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 Annual U.S. Benefits Enrollment Bulletin for Medicare-eligible LTD individuals including those with Pre-Med dependents

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 the 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 Medical Plan cover certain breast reconstructive benefits in conjunction with a mastectomy for eligible participants. Coverage under the Medical Plan 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 your dependents participate, including relevant deductibles, copayments, and coinsurance provisions. For more information, please contact your health care company Annual U.S. Benefits Enrollment Bulletin for Medicare-eligible LTD individuals including those with Pre-Med dependents 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: Employees on LTD: 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 Employees on LTD 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 Annual U.S. Benefits Enrollment Bulletin for Medicare-eligible LTD individuals including those with Pre-Med dependents

15 THIS PAGE LEFT INTENTIONALLY BLANK 2015 Annual U.S. Benefits Enrollment Bulletin for Medicare-eligible LTD individuals including those with Pre-Med dependents 15

16 This Bulletin modifies and changes Your Guide to Benefits at JPMorgan Chase and is a summary of material modification for certain plans under the JPMorgan Chase U.S. 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 this Guide and the Summary Plan Descriptions. Please retain this information for your records. The JPMorgan Chase U.S. Benefits Program is available to most employees on a U.S. payroll who are regularly scheduled to work 20 hours or more a week and who are employed by JPMorgan Chase & Co. or one of its subsidiaries to the extent that such subsidiary has adopted the JPMorgan Chase U.S. Benefits Program. 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. The JPMorgan Chase U.S. 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 Medicare-eligible and Pre-Med dependent of Medicare-eligible LTD Annual U.S. Benefits Enrollment Bulletin

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