Performing all the duties that pertain to your work on a regular basis at the place where they're normally performed or where they're required to be performed by JPMorgan Chase. A person who works at home must be able to report to a place of employment outside the home.

You must be actively-at-work on the date designated by the insurance carriers for your newly approved increase in coverage to take effect. However, your new or increased coverage will not become effective until the day you return to active employment (or later if your coverage is subject to an approval of evidence of insurability). The insurance carriers for each of these plans may have additional actively-at-work requirements that are specific to their plan. For more information, please contact the insurance carriers directly.

Contributions that are taken from your pay after federal, and in most cases, state, and local income taxes have been withheld.

Your annual wage or salary from JPMorgan Chase as of the date of the accident, including the monthly average times 12 of any amount you earned during the preceding 36 months as hourly wages and/or commissions, but excluding any overtime earnings, bonuses, or other extra compensation arrangements.

Please Note: Separate definitions other than what is described here may apply to employees in certain sales positions who are paid on a draw-and-commission basis. If this situation applies to you, you will be notified.

The person, people, estate, or entity you name to receive benefits from the insurance plan if you die.

Generally, your annual base salary plus applicable job differential pay (e.g., shift pay). It does not include any annual bonuses, overtime, special recognition, or other incentive awards you might receive. In certain situations, your benefits pay may include other cash earnings (e.g., commissions, draws, and overrides) paid under certain non-annual incentive plans that provide compensation in lieu of base salary. For the benefits plans described here, your benefits pay is updated as changes occur throughout the year (including while you are on a leave of absence).

Please Note: Separate definitions other than what is described here may apply to employees in certain sales positions who are paid on a draw-and-commission basis. If this situation applies to you, you will be notified.

The company that provides certain claims administration services for the Life and Accident Insurance Plans. The claims administrator for each benefit is noted at the beginning of the description of each plan.

JPMorgan Chase is not involved in deciding appeals for any benefits claim denied under the Life and Accident Insurance Plans. All fiduciary responsibility and decisions regarding a claim for a denied benefit under the plan rest solely with the claims administrator.

When group coverage ends, you have the right to convert all or part of your life insurance to an individual life insurance contract without evidence of insurability. You will need to contact the claims administrator for specific information.

Please Note: Your dependents may convert their dependent supplemental term life insurance even if you do not port or convert your employee supplemental term life insurance.

Under the Life and Accident Insurance Plans, your eligible dependents can include your spouse or domestic partner and your dependent children (including children of your domestic partner). Please see "Your Eligible Dependents" in the "Medical Plan" section of this Guide for more information.

Information that must be provided to The Prudential Insurance Company of America, the claims administrator for the Supplemental Term Life Insurance Plan, before you can be approved for certain levels of coverage. Please see "Evidence of Insurability" for more information.

The value of company-provided basic life insurance above $50,000, which must be reported as income to the Internal Revenue Service. Imputed income becomes part of your taxable income reported on your W-2.

Business Travel Accident Insurance Plan. The loss of a hand or foot means loss by severing at or above the wrist or ankle joint. Loss of sight means total and irrecoverable loss of the entire sight in one eye. Loss of speech means complete and irrecoverable loss of speech. Loss of hearing means total and irrecoverable loss of the entire ability to hear in one ear. The loss of a thumb and index finger means the actual and complete severance through or above the metacarpophalangeal joints.

Accidental Death and Dismemberment Plan. The loss of a hand or foot means loss by severing at or above the wrist or ankle joint. Loss of sight means total loss that cannot be recovered. Loss of speech means complete and irrecoverable loss of speech. Loss of hearing means complete and irrecoverable loss of hearing in both ears. The loss of a thumb and index finger means the actual and complete severance through or above the metacarpophalangeal joints. No more than 100% of the amount of your coverage will be paid for losses sustained in a single accident.

Ability to continue coverage through the claims administrator on a direct-bill basis when your employment terminates with JPMorgan Chase.

Please Note: If you elect to port your employee supplemental term life insurance and/or AD&D coverage, you may also port any dependent supplemental term life insurance and/or dependent AD&D coverage. In the event of a divorce or your death, your covered spouse/domestic partner can port dependent supplemental term life insurance and/or dependent AD&D coverage. Otherwise, dependent supplemental term life insurance can only be converted to an individual policy.

The JPMorgan Chase benefits you elect during each annual benefits enrollment period will generally stay in effect throughout the plan year, unless you elect otherwise due to a qualified change in status (such as marriage, divorce, the birth or adoption of a child, etc.) within 31 days of the event.

Please Note: Any changes you make during the year must be consistent with your qualified change in status. Please see "Qualified Change in Status" for more information.