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Important Terms
As you read this summary of the JPMorgan Chase Group Legal Services Plan, you'll come across some important terms related to the plan. To help you better understand the plan, many of those important terms are defined here.
Term
Definition
After-Tax Contributions
Contributions that are taken from your pay after federal (and in most cases, state and local income taxes) have been withheld.
Claims Administrator
The company that provides certain claims administration services for the Group Legal Services Plan.
Covered Services
Group legal services that are generally covered under the JPMorgan Chase Group Legal Services Plan. While the plan provides coverage for numerous services, there are limitations on what's covered. Please see "What Is Covered" and "What Is Not Covered" for more details.
Eligible Dependents
Under the Group Legal Services Plan, your eligible dependents can include your spouse or domestic partner, and your dependent children. Please see "Your Eligible Dependents" in the"Medical Plan" section of this Guide for more information.
Please Note: If you elect to enroll, you, your spouse/domestic partner, and all eligible dependent children are automatically covered.
In-Network/Out-of-Network
Terms referring to whether a covered service is performed by a provider who is part of the network associated with the Group Legal Services Plan or by a provider who is not part of the network. When a service is performed through a network provider, benefits are paid at a higher level than they are when a service is performed through an out-of-network provider.
Qualified Change in Status
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. Since there is one contribution level for coverage — i.e., your cost for coverage does not increase if you add dependents — if you marry or add a domestic partner, they will be considered covered as of the date of the event. You may not drop coverage during the plan year.