Eligible Dependents
In addition to covering yourself under the Medical, Dental and Vision Plans, you can also cover your eligible dependents, but generally only under the same option you choose for yourself. (Please see ""Determining Primary Coverage"" and its subsection, "Coordination with Medicare," in the "Determining Primary Coverage" section for details on coverage provisions for individuals who are eligible for Medicare.)
Your eligible dependents under the Medical, Dental and Vision Plans — and under certain other plans as referenced in those plan sections of this Guide — include:
- Your spouse or domestic partner (see "Domestic Partners" for more information); and
- Your and/or your spouse's/domestic partner's children up to the last day of the month in which they reach age 26*, regardless of student or marital status, financial dependence on parents, residency with parents, or eligibility for coverage under another health plan. To cover your domestic partner's children, you must elect coverage for your domestic partner.
* Newly hired employees wishing to enroll their disabled dependent who is over the age of 26 in the Medical, Dental, Vision or Life & Accident Insurance plan can do so within the new hire enrollment period by contacting HR Answers for assistance in completing the disabled dependent enrollment process.
Please Note: You may continue coverage beyond age 26 for an unmarried child who is enrolled at the time of turning age 26 in that benefit and is deemed unable to support himself or herself because of a mental or physical disability that began before age 26 and who depends on you for financial support. Contact your health care company* for more information and specific requirements before your dependent turns 26. To continue coverage for a disabled dependent, that dependent must be enrolled in the Medical, Dental, Vision or Life & Accident Insurance plan prior to turning age 26, unless coverage was elected during your new hire enrollment period for a disabled dependent over the age of 26.
* If you are not enrolled in one of the Medical plans but want to continue coverage for your dependent child over age 26 for the Dental, Vision or Life & Accident Insurance plan please contact Aetna to see if they qualify for continued coverage under these plans.
You are responsible for understanding the dependent eligibility rules applicable to each Plan and abiding by them. Each year during Annual Benefits Enrollment, you must review your covered dependents and confirm that they continue to meet the eligibility requirements. It is important that you review both the dependent eligibility rules and the status of your dependents on file, and make any necessary adjustments during your enrollment period or within 31 days of a Qualified Status Change (QSC), 90 days if the qualifying event is the birth or adoption of a child.
The benefits you elect will be effective the date of the event. (Please Note: You will have 90 days from the QSC date to add any newly eligible dependents to the Medical Plan, including add and then removing that dependent should that dependent pass away within this 90-day period.). For more information on QSCs, see "Changing Your Coverage Midyear."
JPMorgan Chase reserves the right to conduct eligibility verifications on existing dependents at any time. If you fail to provide satisfactory proof (when requested) that your covered dependents meet the current eligibility requirements, you could face penalties ranging from loss of coverage for your dependents to termination of employment.
Within 30 days of adding a new dependent, a mailing will be sent to your home address on file with JPMC requesting materials to verify your dependent's eligibility (that is, birth certificate, marriage license, etc.). You must supply acceptable supporting documents and sign and return the supplied Confirmation of Eligibility within 60 days. If you fail to provide satisfactory proof that your dependent(s) meet the current eligibility requirements, your dependent's coverage will be terminated and you will be responsible for any claims paid by the Medical, Dental and Vision Plans.
For a listing of acceptable documentation to establish proof of your dependents' eligibility for coverage under the JPMorgan Chase U.S. Benefits Program, please see Dependent Eligibility Requirements on My Health.