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.

If you have enrolled without having to provide evidence of insurability (see definition below), you must be actively-at-work on the date designated by the insurance carriers for your newly approved increase in your coverage to take effect. However, your new or increased coverage will not become effective until the first day of the month after your return to work on a regular basis.

MetLife, the claims administrator, may have additional actively-at-work requirements, which will be detailed in the certificate of insurance included in the Long-Term Care Insurance Plan package MetLife will send you upon approval of your coverage. For more information, please contact MetLife directly. See the "Plan Administration" section of this Guide for contact information.

Functions or activities such as eating, dressing, bathing, transferring (moving from a bed to a chair, etc.), toileting, and maintaining continence. ADLs are used in determining benefits eligibility for the Long-Term Care Insurance Plan.

Certified by a licensed health care professional to be unable to perform, without substantial assistance from another individual, at least two out of six activities of daily living (ADLs) for a period expected to last at least 90 days, or you require substantial supervision to protect you from threats to health and safety due to severe cognitive impairment.

The company that provides certain claims administration services for the Long-Term Care Insurance Plan. MetLife is the claims administrator for the Long-Term Care Insurance Plan.

Contributions that are taken from your pay after federal, and in most cases, state and local income taxes have been withheld. The JPMorgan Chase benefits you pay for on an after-tax basis are generally those that may provide some form of future payment. Because you use after-tax dollars to purchase these benefits, you do not pay taxes on benefits you or your beneficiaries receive from these plans in the future.

As many as 30 states also offer a tax deduction or credit for long-term care insurance premiums on their state income tax form. As a participant in the Long-Term Care Insurance Plan, you may be eligible for this favorable tax treatment in your state. You should consult with your tax advisor to determine if state tax benefits are available in your specific situation.

As a result of the Health Insurance Portability and Accountability Act of 1996 (HIPAA), you might be able to deduct a portion of your premiums for long-term care insurance from your taxes.

Eligible long-term care expenses related to care you need when you're certified as being chronically ill, which means you are unable to perform certain basic activities of daily living (eating, dressing, bathing, transferring [moving from a bed to a chair, etc.], toileting, and maintaining continence), or when you're certified as severely cognitively impaired.

The maximum amount of money you may receive for covered services each day you're eligible for benefits.

Information that must be provided to MetLife, the claims administrator, before you can be approved for certain levels of coverage under the Long-Term Care Insurance Plan. Please see "Evidence of Insurability" in the section "How to Enroll" for more information.

Guaranteed Issue (GI) allows an eligible employee to request enrollment without the need to provide proof of good health if the request is made within 90 days of their date of hire, or during a specially designated period.

Care that includes services provided in your home by qualified providers, adult day care, at-home hospice care, and ongoing care advisory services.

A feature of the plan that can help ensure that your scheduled plan benefits keep pace with inflation and provide meaningful coverage in the future. When you participate in the Long-Term Care Insurance Plan, you'll be given an opportunity at least once every three plan years to increase coverage without providing evidence of insurability, if the offer has been accepted at least once every other time it has been offered. (Please see "Inflation Adjustment Feature" for more information.)

A person providing maintenance or personal care who is not a licensed provider or is not from a licensed agency or facility. Immediate family members providing respite care qualify as informal caregivers.

Your age on the effective date of coverage.

A physician, registered professional nurse, or licensed social worker, which includes any social worker who has been issued a license, certificate, or similar authorization to act as a social worker by a state or a body authorized by a state to issue such authorization, or other individual who meets such requirements as may be prescribed by the U.S. Secretary of the Treasury.

An optional feature of the Long-Term Care Insurance Plan that lets you maintain some protection even if you cancel coverage. This feature applies if you had been paying premiums for at least 36 months. If you cancel coverage after three or more years and you have nonforfeiture coverage, you'll keep a reduced level of the full daily amount of benefits. However, your total lifetime benefit amount will be reduced so that it equals the total of all premiums you had paid for your insurance, or 30 times the nursing home daily benefit in effect immediately prior to the nonforfeiture date, whichever is greater.

Care that includes nursing home, inpatient hospice, and Alzheimer's care, and care in assisted-living facilities.

Temporary care provided to allow your usual home care provider a chance to take time off.

A state or condition in which you have a deterioration or loss of intellectual capacity (such as Alzheimer's disease) that requires you to have substantial supervision for the protection of yourself or others.

The total amount the Long-Term Care Insurance Plan will pay for covered services. Please see "Total Lifetime Benefit" for more information.

The 60-calendar-day period beginning on the date MetLife, the claims administrator, determines that you qualify for benefits. Covered services do not need to be received during the waiting period. In general, no benefits can be paid until the waiting period is satisfied.