2022 Annual U.S. Benefits Enrollment Bulletin - JPMorgan ...
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2022 Annual U.S. Benefits Enrollment Bulletin
For Pre-Medicare-Eligible LTD Participants
OCTOBER 2021
Welcome to the annual enrollment period for the JPMorgan Chase 2022 U.S. Enrollment ends November 12!
Benefits Program. This bulletin is for pre-Medicare-eligible individuals
receiving long-term disability (LTD) benefits and their covered pre-Medicare Check your enclosed Personalized Fact
family members. You have the opportunity once a year to review your Health Sheet for all of your 2022 coverage
Care and Insurance Plan coverage and make any necessary changes. Now is options and costs. More information is
the time to consider these plans and make choices for 2022. also available in the enclosed Health
Plan Comparison Charts and on My
You and your dependents may be eligible for coverage under the Health, your online centralized resource
JPMorgan Chase Medical, Dental, Vision, Supplemental Term Life Insurance, for plan information.
Accidental Death and Dismemberment (AD&D) Insurance, Group Personal
Excess Liability Insurance and/or Group Legal Services. Enroll before the November 12, 2021,
benefits enrollment deadline, or you
If you or any of your eligible dependents turn 65 or become eligible for and your covered family members will
Medicare, medical, prescription drug, dental and vision plan options for that be assigned coverage based on current
individual are offered through Via Benefits, a private Medicare exchange 2021 elections with 2022 costs. If
provider; see below for more information. changes are needed, go to My Health >
Enroll now to make your 2022 elections
We encourage you to review your current health care options to be sure they on the Benefits Web Center. You can
continue to meet the needs of you and your covered dependents. Your access My Health online at
Enrollment Checklist on page 9 will guide you through making your decisions https://myhealth.jpmorganchase.com.
for 2022.
When You Turn 65 or Become Eligible for
Medicare
When you or any of your eligible dependents turns 65 or becomes eligible for Medicare, you enroll in health
care coverage through Via Benefits, a private Medicare exchange. Via Benefits offers medical, prescription
drug, dental and vision coverage. Via Benefits does not provide coverage until you (and/or your covered
dependents) become eligible for Medicare.
There are separate elections for Medicare-eligible participants and their Medicare-eligible family members,
because the coverage through Via Benefits is individualized coverage. Elections are made approximately 60
days before you become eligible for Medicare due to turning age 65. If you become eligible for Medicare
sooner than age 65, please contact HR Answers. Once you are eligible for Medicare, JPMorgan Chase coverage
will be discontinued.
If you have questions about the Medicare-eligible coverage through Via Benefits, they can be reached at
1-844-448-7300, 8 a.m. to 9 p.m. Eastern Time, Monday through Friday. You may also access the Via Benefits
website for JPMorgan Chase members at https://my.viabenefits.com/jpmc.
1 | 2022 Pre-Medicare-Eligible LTD Annual U.S. Benefits Enrollment Bulletin for the Core Medical Plan Pre-Medicare-eligible LTD
employees residing in all states except Arizona, California, and Ohio.Have you been disabled for more than 29 months?
You may qualify for Medicare benefits. If so, under the terms of the JPMorgan Chase Medical Plan,
Medicare would be considered the primary source of medical coverage, and coverage would no longer be
offered through JPMorgan Chase. You would then be eligible for health care coverage through Via Benefits.
Call HR Answers (see page 13) to update your status so your information may be provided to Via Benefits.
What’s Changing for 2022
No major changes to the Medical Plan
Great news! For 2022, there are no major changes in the types of services covered under the JPMorgan Chase
Medical Plan with Aetna and Cigna or the Prescription Drug Plan with CVS Caremark.
In 2022, the Medical Plan will continue to offer:
• Eligible in-network preventive care (including physical exams and recommended preventive screenings)
and eligible preventive generic drugs covered at 100% with no deductible, coinsurance or copayments.
• In-network primary care office visits covered at 90% with no deductible.
• The same deductibles and coinsurance maximums.
• The same types of covered medical services.
2022 benefits changes and enhancements
Benefits enhancements and changes include:
• Infertility benefits support: As of July 1, 2021, if you are enrolled in the JPMC Medical Plan, you and your
covered family members can receive help from WINFertility nurses with selecting a high-quality provider,
understanding treatment options, and providing clinical and emotional support. Enroll with WINFertility
and complete a nurse consultation in order to have access to a $30,000 medical lifetime maximum benefit
($10,000 medical benefit if member does not engage with WINFertility). Medical benefits (e.g., provider
network, claims administration) will continue to be managed by your health care company — Aetna or
Cigna. Prescription drug benefits will continue to be managed by CVS Caremark. You can reach WINFertility
by calling 1-833-439-1517, Monday through Friday, 9 a.m. to 7:30 p.m. Eastern Time.
• Prescription Drug Plan: Review the 2022 formulary drug lists for the latest information on covered drugs.
Remember to check frequently throughout the year for up-to-date information.
• Beginning January 1, 2022, if you are enrolled in the JPMC Core Medical Plan and move to Arizona or Ohio
during the calendar year, you’ll automatically be enrolled in the JPMC Simplified Medical Plan, effective
when you submit your address change. Please note that your health care company (Aetna or Cigna),
election (Option 1 or 2) and dependent coverage will remain the same and cannot be changed as a result of
your move.
• Group Personal Excess Liability Insurance (PEXL) Plan: Claims administration will transition to Marsh
McLennan Agency as of January 1, 2022. Plan benefits remain the same, including underlying coverage
requirements, and will continue to be offered by The Chubb Insurance Company. If you’re currently
enrolled, your 2021 election will carry over to 2022. See PEXL details on page 5.
• 2022 MRA Action Plan: New resilience training through meQuilibrium and My Finances and Me activities,
which you can complete to earn funds in your 2022 MRA. See MRA details on page 4 for more
information.
• Changing health care companies. If you change health care companies (Aetna or Cigna) for 2022, your
2021 MRA balance will automatically transfer to your new health care company in April 2022.
2 | 2022 Pre-Medicare-Eligible LTD Annual U.S. Benefits Enrollment Bulletin for the Core Medical Plan Pre-Medicare-eligible LTD
employees residing in all states except Arizona, California, and Ohio.A word about dependent eligibility
If you are enrolled in benefits, you may also cover eligible dependents (e.g., spouse/domestic partner,
children). Once you add a dependent to your coverage, you will be notified and asked to provide copies of
documents, such as a marriage certificate/domestic partner registration, birth certificate, etc. Children are
eligible until the end of the month in which they turn age 26. For more on eligibility requirements, please
see the Summary Plan Description on My Health.
If you are adding a dependent to coverage, you will need to provide that dependent’s Social Security number
(SSN) during enrollment.
Medical Plan surcharge for unvaccinated/undisclosed employees
The Operating Committee has recently communicated that employees who are not fully vaccinated against
COVID-19, or who have not disclosed their vaccination status, could have higher costs in the JPMorgan Chase
U.S. Medical Plan. More specifically, employees enrolled in the JPMC U.S. Medical Plan who are not fully
vaccinated against COVID-19 or have not disclosed their vaccination status (as indicated in the JPMC Vaccine
Record Tool) will pay additional dollars toward their medical payroll costs for 2022. For employees covered by
the Medical Plan with Total Annual Cash Compensation (TACC) less than $60,000, an additional $250 will be
deducted from their pay for Medical Plan coverage in 2022 ($10.41 per paycheck); for all other employees
covered by the Medical Plan, an additional $500 will be deducted from their pay for Medical Plan coverage in
2022 ($20.83 per paycheck).
For employees who are on approved JPMC long-term disability (LTD) leave on October 5, 2021, or later, the
surcharge will not apply while on LTD leave. However, upon return to active employment, you will be
subject to the surcharge 45 days following your return date if you have not entered your information into
the JPMC Vaccine Record Tool indicating that you are fully vaccinated. If you are not fully vaccinated or have
not disclosed your vaccination status within the 45-day period, an additional payroll deduction for medical
coverage of $10.41 or $20.83 (depending on your TACC) will apply prospectively (unless you have an approved
COVID-19 vaccine accommodation).
The medical contributions you see on the Benefits Web Center during annual enrollment do not reflect the
cost of this unvaccinated surcharge. Upon your return to active employment, if you do not complete the
necessary steps within the 45-day period, an additional payroll deduction of $10.41 or $20.83 (depending on
your TACC) will be withheld.
For this purpose, “fully vaccinated” is defined as:
• Having received two doses of the Pfizer or Moderna vaccine, or one dose of the J&J vaccine, and
• Having entered your vaccination information into the JPMC Vaccine Record Tool, including having
uploaded a copy of your vaccination card.
For more information, FAQs will be posted at me.jpmorganchase.com. Or you can send a message to HR
Answers at me.jpmorganchase.com.
3 | 2022 Pre-Medicare-Eligible LTD Annual U.S. Benefits Enrollment Bulletin for the Core Medical Plan Pre-Medicare-eligible LTD
employees residing in all states except Arizona, California, and Ohio.No changes to the Prescription Drug Plan
You’ll continue to have prescription drug coverage administered by CVS Caremark®, regardless of the health
care company you choose. Additionally, there are no Prescription Drug Plan changes for 2022. That means you
won’t receive a new prescription drug ID card for 2022.
As always, you can check to see if your prescription drug is covered on CVS Caremark’s Covered Drug List
on the CVS Caremark website, which you can access through My Health or at www.caremark.com. Drug lists
are subject to change quarterly by CVS Caremark. If your drug is not on the list, ask your doctor if there’s an
alternative you can take.
Note: Your cost will be lower for generic and preferred brand name prescriptions (versus non-preferred brand
name or drugs that are not covered). If you use an excluded/not-covered drug, you will pay the full cost.
Your Medical Reimbursement Account
Your Medical Reimbursement Account (MRA) will be managed by the health care company you choose for
2022 — either Aetna (via Payflex, an Aetna Company) or Cigna.
Reminders:
• Your MRA is funded by JPMorgan Chase when you and your covered spouse/domestic partner complete
certain wellness activities. You cannot contribute to the MRA. MRA funds can only be used to pay for
eligible medical and prescription drug expenses.
• Payment methods: During Annual Benefits Enrollment, you can choose to have expenses paid from your
MRA through automatic claim payment or with a debit card.
4 | 2022 Pre-Medicare-Eligible LTD Annual U.S. Benefits Enrollment Bulletin for the Core Medical Plan Pre-Medicare-eligible LTD
employees residing in all states except Arizona, California, and Ohio.Automatic claim payment vs. debit card
You have two ways to pay claims from your MRA: Automatic claim payment and debit card. During Annual
Benefits Enrollment, you’ll be able to select one of these payment methods:
• Automatic claim payment method. Both Aetna/Payflex and Cigna will automatically use your MRA
funds to pay for your portion of eligible out-of-pocket medical and prescription drug expenses.
• Debit card payment method. You can choose to use your debit card or pay with your personal funds for
eligible expenses — giving you more control over when you’re using your MRA funds. Keep in mind that
you’ll need to keep your receipts and be prepared to substantiate any debit card claims, as required by
the IRS.
If you’re currently enrolled in the Medical Plan and do not change your payment method election or take
no action during Annual Benefits Enrollment, your 2021 payment method will carry over to 2022.
To make a change to your 2022 payment method, select View/Change on Your Benefit Summary.
Please keep in mind that automatic claim payment assumes you did not pay your portion of your eligible
medical expense at the time of service and pays your provider/facility your portion directly. If you pay your
portion at the time of service, your provider/facility will be double-paid — once from you at the point of
service and once from your MRA. It will be your responsibility to recoup the overpayment from your
provider/facility (although your health care company can try to assist you). Therefore, if the providers or
facilities you visit are requiring you to pay at the point of service, the automatic claim payment method
may not be right for you; you should consider the debit card payment method.
Learn more about your payment options on My Health.
Group Personal Excess Liability Plan
The claims administrator for Group Personal Excess Liability (PEXL) Insurance will transition to Marsh
McLennan Agency as of January 1, 2022. Plan benefits, including underlying coverage requirements, remain
the same and will continue to be offered by The Chubb Insurance Company. Further, your election will
automatically carry over to 2022, if you do not make an election otherwise.
Below is a preview of services available to enrolled JPMorgan Chase members through Marsh McLennan
Agency:
• Complimentary Personal Risk Management Review: Enrolled JPMorgan Chase members can elect to
receive a complimentary personal risk analysis from a Marsh McLennan Agency personal risk advisor.
Through this consultation, a personal risk advisor will evaluate the adequacy of your existing policies,
identify exposures, and determine whether there are sufficient underlying liability limits in your
current coverage. The advisor will also provide customized recommendations to improve the
effectiveness of your coverage and ensure you have the broadest coverage available for the best
value.
5 | 2022 Pre-Medicare-Eligible LTD Annual U.S. Benefits Enrollment Bulletin for the Core Medical Plan Pre-Medicare-eligible LTD
employees residing in all states except Arizona, California, and Ohio.• Liability Estimator Tool: You’ll have access to a confidential online liability estimator tool to quickly
get a preliminary estimate of the liability coverage amount that may be appropriate for you.
• Claims Advocacy: In the event of a claim, Marsh McLennan Agency will serve as your advocate
throughout the claims process. The highly experienced team of personal insurance Field Claims
Executives and Claims Analysts are dedicated to:
o Proactively help you get a prompt and fair settlement from insurers
o Provide clear and timely information about your claim status
o Advocate on your behalf with insurers in complex cases
Visit the Benefits Web Center to learn more or to enroll. Please note: Claims you have through December 31,
2021, should be reported to Arthur J. Gallagher. If you have an existing PEXL claim, continue to work with your
Arthur J. Gallagher claim representative. You’ll separately receive information from Marsh McLennan Agency
about the transition process if your claim isn’t resolved by December 31, 2021.
Definition and use of Total Annual Cash Compensation (TACC)
Several features of the Medical Plan vary based on an employee’s Total Annual Cash Compensation (TACC),
such as the monthly contribution cost, deductible level and annual out-of-pocket coinsurance maximums.
TACC is calculated based on:
• Your annual rate of base salary plus applicable job differential pay (for example, shift pay) as of each
August 1, plus
• Any cash earnings from any incentive plans (for example, annual incentive compensation, commissions,
draws, overrides, and special recognition payments or incentives) that are paid to or deferred by you for
the previous 12-month period ending each July 31.
• Overtime is not included.
For purposes of determining the Medical Plan pay tier that applies to you, your TACC is recalculated as of each
August 1 to take effect the next January 1 and will remain unchanged throughout the year. For most
employees hired on or after August 1, TACC will be equal to base salary plus job differentials.
For LTD participants, your level of TACC was frozen on your last date of active employment with JPMC and will
remain at that level throughout your LTD period. You can find your TACC on the Benefits Web Center through
My Health. Just click Your Profile > Personal Information > Personal Details.
Wellness Rewards
A key part of our Medical Plan and wellness strategy is to engage employees in specific wellness activities by
providing Medical Reimbursement Account (MRA) funds. JPMorgan Chase contributes money to your MRA to
help you pay for eligible out-of-pocket medical and prescription drug expenses (deductibles, coinsurance and
copayments).
Consider Completing both your Wellness Activities by November 19, 2021
(11:59 p.m. Eastern Time)
Last year, we paused on asking our employees and their spouses/domestic partners to complete biometric
Wellness Screenings as part of our annual wellness campaign. Plus, many of us delayed receiving other
preventive care, like annual physicals and health screenings. We believe it’s important to return to more usual
routines when it comes to your health — that includes preventive care.
6 | 2022 Pre-Medicare-Eligible LTD Annual U.S. Benefits Enrollment Bulletin for the Core Medical Plan Pre-Medicare-eligible LTD
employees residing in all states except Arizona, California, and Ohio.Because knowing their numbers (e.g., blood pressure, body mass index [BMI], blood sugar, cholesterol,
triglycerides and A1C) has helped so many people understand their health, uncover health risks and receive
earlier treatment, biometric Wellness Screenings are back.
This means if you complete both the biometric Wellness Screening and online Wellness Assessment by
November 19, 2021 (11:59 p.m. Eastern Time), you will earn $200 in your 2022 Medical Reimbursement
Account (MRA).
If your covered spouse/domestic partner completes both of these activities by the deadline, you will earn
another $100 in your 2022 MRA.
If you’re currently on an approved Leave of Absence, including long-term disability, we encourage you and
your covered spouse/domestic partner to participate in our Wellness Rewards program. However, if you
are on an approved Leave of Absence, including long-term disability, for at least 45 consecutive days
between September 1 and November 19, 2021, and do not complete your online Wellness Activities during
that period, then you will not lose the $500 in 2022 medical contribution savings ($1,000 if covering a
spouse/domestic partner). Other provisions of the Medical Plan and Wellness Rewards program will
continue to apply, including the opportunity to earn MRA funds by completing wellness activities.
How to complete the biometric Wellness Screening
You have several options to complete your biometric screening, details of which can be found on the Wellness
Screening Portal run by Quest Diagnostics.
Options available to you if you have COBRA coverage under the JPMorgan Chase Medical Plan are:
• Download a Physician Wellness Screening form and take it to your doctor. Have them complete
ALL biometric fields (plus Date of Service) and sign the form. You can submit the completed
form via fax or upload it to the Wellness Screening Portal. OR
• Click on the Quest Patient Service Center section to locate and schedule a screening at a lab or
retail location (advance registration is required). OR
• Download and print a CVS MinuteClinic Screening voucher and take it to a CVS MinuteClinic for
your screening.
How to complete the online Wellness Assessment
Go to My Health > Complete your Wellness Assessment or go directly to mycigna.com.
Everyone will complete the online Wellness Assessment with Cigna — even
if their health care company is Aetna. Have questions? Contact
Cigna at 1-800-790-3086.
LTD individuals: The first time you access mycigna.com, you’ll need to
register and provide your name, date of birth, ZIP code and Social Security
number (or Cigna Member ID if Cigna is your health care company).
Covered spouses/domestic partners: You will need to register on mycigna.com as yourself, if you haven’t
already. You’ll be asked to provide the JPMorgan Chase former employee’s Social Security number and ZIP
code, as well as your name and date of birth.
7 | 2022 Pre-Medicare-Eligible LTD Annual U.S. Benefits Enrollment Bulletin for the Core Medical Plan Pre-Medicare-eligible LTD
employees residing in all states except Arizona, California, and Ohio.Additional Wellness Activities Changes for 2022: • Online training, Mindfully Managing Stress online training through meQuilibrium (for employees only): Earn $50 in your MRA and learn about the powerful science of resilience and techniques to help gain control over your emotions, thoughts and stress. • My Finances and Me activities: Earn $50 in your MRA by (1) completing a short online Financial Wellness Assessment* and (2) attending a group education session on a variety of financial topics, such as basic money management, navigating student loans and retirement planning. Please note: Spouses/domestic partners can participate, but cannot earn MRA dollars for doing so. *The Financial Wellness Assessment is not part of the online Wellness Assessment that, along with the biometric Wellness Screening, is part of the Initial Wellness Activities. Don’t forget your 2021 MRA funds! Remember, you have until December 31, 2021, to maximize your earnings in your 2021 Medical Reimbursement Account (MRA) when you and your covered spouse/domestic partner complete Additional Wellness Activities — like health coaching, online learning, a stress/resiliency program and more — by December 31, 2021. Visit My Health > 2021 MRA Additional Wellness Activities for more information. Get ready to maximize your 2022 MRA by completing Additional Wellness Activities throughout the year You have the opportunity to earn up to $800 when you complete Additional Wellness Activities during 2022. In December 2021, go to My Health and check out the 2022 MRA Action Plan to decide which moves you’d like to make. Plus, if you cover a spouse/domestic partner, you earn up to an additional $300 in your MRA when they complete Additional Wellness Activities in 2022. Not enrolled in the JPMorgan Chase Medical Plan? You’ll still be able to earn up to $400 when you complete Additional Wellness Activities in 2022. In early January, go to Cigna (your Wellness Rewards administrator) to decide which moves you’d like to make. Note: Wellness Rewards for employees not enrolled in the JPMorgan Chase Medical Plan are intended for those whose medical insurance does not provide similar cash incentives. Your Privacy Is Important The privacy of your health information is important to you and to JPMorgan Chase. We are committed to protecting your personal health information and complying with privacy laws, including the Health Insurance Portability and Accountability Act (HIPAA). This means that when you complete a Wellness Screening or a Wellness Assessment, participate in any health coaching activities, or receive health care treatment of any kind, your personal health information is not disclosed to anyone, including JPMorgan Chase, without your authorization and except as permitted by HIPAA. (For detailed information about your HIPAA Privacy Rights, please see the Privacy Notice found on My Health.) 8 | 2022 Pre-Medicare-Eligible LTD Annual U.S. Benefits Enrollment Bulletin for the Core Medical Plan Pre-Medicare-eligible LTD employees residing in all states except Arizona, California, and Ohio.
Your Other Benefits
Dental, Vision, Supplemental Term Life Insurance, Accidental Death and Dismemberment Insurance and Group
Legal will not change in 2022. Take this chance to review your elections and related costs, which may have
changed, to make sure they are still the best options for you and your dependents.
Important Steps to Take by November 12: Your Enrollment Checklist
Decide which health care company, Aetna or Cigna, is the right fit
for you. Visit My Health to access the Aetna and Cigna websites, or Your elections last all year
go directly to http://aetna-jpmc.com and www.jpmc.cigna.com to Elections you make during this
search for providers in the health care companies’ networks, as well annual enrollment period will
as to learn about the tools and resources these companies provide to become effective January 1, 2022,
help you get the most out of your Medical Plan during the year. and remain in effect through
Review your current Medical Plan option (Option 1 or Option 2) to December 31, 2022. The only time
be sure it continues to be the right coverage for you and your family. you can make a change during the
Option 1 has higher monthly contributions, but lower annual year is if you have a qualified status
deductibles and coinsurance maximums. Option 2 has lower monthly change, like getting married or
contributions, but higher annual deductibles and coinsurance having or adopting a baby. In the
maximums. Otherwise, both options provide the same coverage. event of a status change, any
resulting coverage changes must be
Review the way you pay for health care through your Medical made within 31 days after the date
Reimbursement Account (MRA) — automatic claim payment or of the event (90 days if the
debit card — to see if it’s still the best approach for you. qualifying event is the birth or
Take a look at your other benefits — including Dental, Vision, Group adoption of a child). If you
Legal Services, Supplemental Term Life Insurance, Accidental Death experience a qualifying event,
and Dismemberment Insurance, and Group Personal Excess Liability access the Benefits Web Center or
Insurance — to be sure they still meet your needs. If you’re happy call HR Answers at 1-877-JPMChase
with them, you don’t need to do a thing, but it’s always good to (1-877-576-2427) right away.
revisit them once a year, especially because they can provide valuable If you don’t make changes for
coverage for you. 2022, generally your elections for
Update your dependent information. Your Personalized Fact Sheet 2021 will continue at 2022 rates.
includes the information currently on file for you and your covered
dependents. Please review this information carefully, and make sure each dependent’s name, address,
date of birth and Social Security number are up to date. You can make any necessary changes by visiting
the Benefits Web Center on My Health.
Complete both a biometric Wellness Screening and online Wellness Assessment between November 20,
2020, and November 19, 2021 (11:59 p.m. Eastern Time), to earn $200 for your 2022 MRA and save $500
on your 2022 medical contributions. You can earn an additional $100 in your 2022 MRA and save an
additional $500 on 2022 medical payroll contributions when your covered spouse/domestic partner
completes these activities during that same time frame. The medical contributions (for Medical Plan
coverage) you see during enrollment on the Benefits Web Center already reflect the $500 savings on 2022
medical contributions for you, and $500 savings for your covered spouse/domestic partner (if applicable).
Therefore, if you and/or your spouse/domestic partner don’t complete both of these activities timely, you
will lose these savings, and contributions will increase in March 2022. See page 7 for important
information on what happens if you are on leave more than 45 days between September 1 and
November 19, 2021.
9 | 2022 Pre-Medicare-Eligible LTD Annual U.S. Benefits Enrollment Bulletin for the Core Medical Plan Pre-Medicare-eligible LTD
employees residing in all states except Arizona, California, and Ohio. Take advantage of the My Health tools to help you choose. See page
12 for details about the tools available through My Health and the Need more time to make
Benefits Web Center to help you make your 2022 enrollment decisions.
decisions?
Tobacco users continue to pay higher rates for Medical and
If your spouse’s/domestic
Supplemental Term Life Insurance. You or your spouse/domestic partner’s enrollment time frame
partner can reduce your rates in 2022 when you complete a four-week is later than ours, you can call
Quit For Life Tobacco Cessation Program by December 3, 2021. Start no HR Answers for assistance. See
later than November 5, 2021, to make sure you have enough time to page 13 for contact
complete the program. Enroll for the Quit For Life Program at information.
myquitforlife.com/jpmorganchase, or call 1-866-QUIT-4-LIFE (1-866-
784-8454) and schedule time to talk with a coach.
If you (and your covered dependent) become eligible for Medicare due to turning age 65: You will
automatically receive information from Via Benefits with instructions for enrolling in coverage. You can
contact Via Benefits for information on their plans at 1-844-448-7300, 8 a.m. to 9 p.m. Eastern Time,
Monday through Friday. Please contact HR Answers if you become eligible for Medicare as the result of a
disability prior to age 65. (See page 13 for contact information.)
Don't forget to update your beneficiaries. The Online Beneficiary Designation site
(beneficiary.jpmorganchase.com) provides a convenient way to review and update all of your beneficiary
information for your Life and Accident Insurance Plan benefits, as well as your JPMorgan Chase 401(k)
Savings Plan and JPMorgan Chase Retirement Plan (if applicable) benefits.
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 gaining coverage from another source or in the case of divorce). If you have a qualified status
change, any resulting coverage changes must be made within 31 days after the date of the event (90
days if the qualifying event is the birth or adoption of a child). Call HR Answers immediately if you
experience a qualifying event. (See page 13 for contact information.)
Please remember
Generally,* health care coverage will 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 Medicare-eligible, you can contact Via Benefits for information on their offerings.
*If you commenced a short-term disability leave prior to January 1, 2011, immediately preceding your current LTD claim, this rule
does not apply to you.
10 | 2022 Pre-Medicare-Eligible LTD Annual U.S. Benefits Enrollment Bulletin for the Core Medical Plan Pre-Medicare-eligible LTD
employees residing in all states except Arizona, California, and Ohio.My Health 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 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 “Current/Former Employees” (or “Other U.S. Residents (not Arizona or Ohio)” for your covered family members). Once on My Health, you can find more information on 2022 Benefits Resources, or click the green Enroll now button if you are ready to enroll. Look for the Summaries of Benefits and Coverage, which allow you to easily compare your JPMorgan Chase Medical Plan options to your spouse’s/domestic partner’s or child’s medical plan options that may be available through another employer. Summaries of Benefits and Coverage are found on the Benefits Web Center accessible through My Health. 11 | 2022 Pre-Medicare-Eligible LTD Annual U.S. Benefits Enrollment Bulletin for the Core Medical Plan Pre-Medicare-eligible LTD employees residing in all states except Arizona, California, and Ohio.
Tools available through My Health
Our online tools make it easy to make the right enrollment elections. Here’s a quick look at the online tools
you can use during Annual Benefits Enrollment. Use them to get suggestions, compare your Medical Plan
options and make better decisions in less time.
Enrollment Resource Details
Personalized Fact The Personalized Fact Sheet highlights your 2022 coverage options and costs.
Sheet Important notes:
(Mailed with this
• The Medical and Dental Plan options available to you are based on your
Enrollment Bulletin)
home ZIP code.
• The Medical, Dental and Vision Plan Comparison Charts included with your
enclosed Personalized Fact Sheet 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 medical, dental and vision companies.
Health Plan Side-by-side comparison of your 2022 Medical, Dental and Vision Plan options
Comparison Charts and how they compare with current plans. Go to My Health > Enroll now.
(Also included in your
enrollment package)
DecisionDirect™ Answer a few simple questions about your health care needs and preferences,
and DecisionDirect will suggest a Medical Plan option for you. Go to My Health >
Enroll now.
MRA Value Estimator See up front how much money you could get to cover eligible out-of-pocket
medical and prescription drug costs by completing certain wellness activities in
2022. Go to My Health > Enroll now.
Connect to either of You can find an in-network doctor, estimate medical costs and more. Go to My
our 2022 health care Health > Enroll now.
companies, Aetna or
Cigna
12 | 2022 Pre-Medicare-Eligible LTD Annual U.S. Benefits Enrollment Bulletin for the Core Medical Plan Pre-Medicare-eligible LTD
employees residing in all states except Arizona, California, and Ohio.Now Is the Time to Enroll
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 15).
Confirming your coverage
If you make any changes to your assigned coverage or you enroll a dependent for the first time in 2022, 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 2022 coverage through the Benefits Web Center. This will serve as your
confirmation of your 2022 benefits elections. You will not receive a paper confirmation statement in
the mail.
• By calling HR Answers. A confirmation of your 2022 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 2022 benefits elections. You will not receive
another confirmation from JPMorgan Chase.
To reach HR Answers
If you have questions about your benefits coverage or the enrollment process, need more time to compare a
spouse’s/domestic partner’s or other family member’s options, or if you don’t have web access, call
HR Answers at 1-877-JPMChase (1-877-576-2427) or 1-212-552-5100 if calling from outside the United States.
Hours are Monday through Friday, from 8 a.m. to 7 p.m. Eastern Time, except certain U.S. holidays.
Here’s how you can reach an HR Answers representative:
• Enter your Standard ID or Social Security number, and follow the prompts to confirm.
• Select Option 2, then Option 9.
• Enter your PIN and press 9.
13 | 2022 Pre-Medicare-Eligible LTD Annual U.S. Benefits Enrollment Bulletin for the Core Medical Plan Pre-Medicare-eligible LTD
employees residing in all states except Arizona, California, and Ohio.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 medical, prescription drug, dental and vision benefits;
• Evaluating coverage options available through the Health Insurance Marketplace or 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, call 1-866-611-8298, Monday through Friday, from 8 a.m. to 9 p.m.
Eastern Time.
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 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 was distributed in
2020.)
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 you participate, including relevant
deductibles and coinsurance provisions. For more information, please contact your health care company.
14 | 2022 Pre-Medicare-Eligible LTD Annual U.S. Benefits Enrollment Bulletin for the Core Medical Plan Pre-Medicare-eligible LTD
employees residing in all states except Arizona, California, and Ohio.How to Use Single Sign-On
To ensure the security of the Benefits Web Center available through My Health, 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:
How to log on from home using the Internet:
Step 1
A. 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.
B. 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 U123456 and his Social Security number is 123-45-6789, his
initial password is: U126789S.
C. CLICK “LOGIN.”
Step 2
A. 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.
B. 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.
Contact information to reset your password
To reset your password, ask questions regarding your Standard ID or obtain further assistance, please call
HR Answers at 1-877-JPMChase (1-877-576-2427) or 1-212-552-5100 if calling from outside the United States.
15 | 2022 Pre-Medicare-Eligible LTD Annual U.S. Benefits Enrollment Bulletin for the Core Medical Plan Pre-Medicare-eligible LTD
employees residing in all states except Arizona, California, and Ohio.For complete plan details, see the Summary Plan Descriptions (SPDs) found on My Health > Benefit Plans Details (Summary Plan Descriptions). This
bulletin is a Summary of Material Modifications to the SPDs.
This Bulletin modifies and changes Your Guide to Benefits at JPMorgan Chase and is a Summary of Material Modifications 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 generally 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.
© 11/2021 JPMorgan Chase & Co. All rights reserved.
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16 | 2022 Pre-Medicare-Eligible LTD Annual U.S. Benefits Enrollment Bulletin for the Core Medical Plan Pre-Medicare-eligible LTD
employees residing in all states except Arizona, California, and Ohio.You can also read
