1. JPMorgan Chase offers a wide range of programs and services to help our employees improve their skills, grow in their career, and meet their commitments to both their personal lives and their jobs. We support the inclusion of all employees and we embrace those characteristics that make each of us who we are. Our reasoning is simple: In this way, we believe we can be a workplace considered by all colleagues as an excellent career choice and a great place to work.<br />JPMorgan Chase offers competitive benefits. The benefit program includes additional employee programs and services.<br />Here are some highlights*:<br />401(k) Savings Plan <br />Retirement Plan <br />Healthcare <br />Before-tax healthcare spending accounts <br />Life & accident insurance <br />Disability insurance <br />Employee stock purchase <br />EAP & Work-Life Program <br />Maternity and paternity leave <br />Back-up childcare services <br />Adoption assistance <br />Tuition reimbursement for top performers <br />Pre-tax transportation spending accounts for commuting and parking <br />Employee discounts <br />Arts and Culture Employee Benefits Program <br />Exclusive Offers <br />Discounts on gym memberships <br />Computer Discounts <br />Employee financial services and checking accounts <br /> <br />401(k) Savings PlanWe understand the importance of planning for the future; that's why the firm offers a 401(k) Savings Plan. Joining the 401(k) Savings Plan is completely voluntary. If you participate, you decide how much to contribute to your account and how your savings should be invested. You contribute on a before-tax basis, or on an after-tax basis through Roth 401(k) contributions. Generally, most participants who complete one year of service are eligible to receive JPMorgan Chase & Co. matching contributions.<br />Retirement PlanFully paid for by the firm, the Retirement Plan provides you with a foundation for your retirement income. Your participation in the plan is automatic after you complete one year of total service. Your benefit is expressed as a cash balance that grows in a bookkeeping account over time through pay credits and interest credits.<br />HealthcareOur Medical and Dental Plans offer you and your eligible dependents a variety of healthcare options that provide a range of quality and flexible coverage based on where you live. Our Vision Plan offers coverage for expenses such as eye examinations, lenses (including contact lenses), and eyeglass frames.<br />Before-tax healthcare spending accountsUnder the Health Care Spending Account, you can contribute between $240 and $8,000 a year on a before-tax basis to pay for eligible out-of-pocket health care expenses such as:<br />Medical and dental expenses, such as co-payments, prescriptions, orthodontia, and other eligible expenses that may not be covered by any medical or dental plan.<br />Eyeglasses and contact lenses.<br />Life & accident insuranceOur Life & Accident Insurance Plans provide you with the security that comes from knowing you have a complete package of insurance protection suited to your personal situation. The Life & Accident Insurance Plans offer you a range of different types of coverage, so you can choose the most appropriate life, accident, and survivor protection for your individual needs. The plans include:<br />Basic Life Insurance Plan<br />Supplemental Term Life Insurance<br />Accidential Dealth and Dismemberment Insurance Plan<br />Business Travel Accident Insurance Plan<br />SurvivorSupport Financial Counseling<br />Disability insuranceOur Long-Term Disability Plan can provide you with income replacement if you are unable to work for an extended period of time due to an illness or injury. Your LTD coverage generally pays a benefit after you have exhausted your coverage under the Short-Term Disability Leave Policy.<br />Employee stock purchaseWe invest in our people for the long term and want them to be rewarded for investing in us. Our Employee Stock Purchase Plan encourages you to become an owner of JPMorgan Chase & Co. by providing you with the ability to purchase the firm's common stock at a 5% discount and without paying a broker's fee. We also offer the chance for your stock ownership to grow through automatic reinvestment of dividends.<br />EAP & Work-Life ProgramYou've got a lot going on in your life and JPMorgan Chase & Co.'s EAP & Work-Life program is here to help you. EAP & Work-Life, our work-life resource and referral program, is one way to help deal with the questions, pressures and issues you face as a working parent, someone concerned with the well being of older relatives, running a household, navigating the college application process, mental health issues, or any work-life need you may have. Designed with your needs in mind, EAP & Work-Life delivers practical solutions, information, advice and support. EAP & Work-Life offers free, confidential assistance 24 hours a day, 7 days a week with the issues of daily living. You and your family members are eligible for five free counseling sessions per issue.<br />Maternity and paternity leaveWe are committed to supporting parents when they welcome a newborn or adopted child into their home. Under our Parental Leave policy, eligible employees are provided with time off with full pay so that they can care for and bond with their new child.<br />Back-up childcare servicesThe goal of our Back-up Childcare Center Network is to provide the highest quality back-up care for children when their families' existing childcare arrangements break down (e.g. regular caregiver is unavailable or school is closed) and the employee must be at work. The Back-up Childcare Centers are intended to supplement rather than replace regular childcare arrangements. Bright Horizons Network Access Program is part of the Back-up Care Advantage Program. We have partnered with Bright Horizons to offer availability at over 250 community childcare centers across the United States. Employees looking for fulltime care will receive priority access to open spaces and discounted registration fees in some cases.<br />Adoption assistanceWe offer financial support to eligible employees in order to help offset the high cost of adopting a child. The firm's Adoption Assistance Program may reimburse you for up to $10,000 in qualified expenses, per child, when you adopt a child under the age of 18, (or an individual who is 18 years of age or older, where that individual is incapable of self-care because of a permanent physical or mental disability), including the child of your spouse or domestic partner, or a child who is related to you.<br />Tuition reimbursement for top performersOur Tuition Assistance Program provides financial support to help you reach your goals and offset the cost of a college education. The program is designed for high-performing employees for work-related educational development. An employee's degree program must be job-related and aligned with the employee's position and overall development plan. Tuition assistance is an investment in the professional growth of key employees who have proven themselves to be high performers - and whose value to the company will be enhanced through receiving an advanced degree.<br />Pre-tax transportation spending accounts for commuting and parkingThe Transportation Spending Accounts allow you to pay for eligible commutation and/or parking expenses through payroll deductions. All or a portion of that expense can be paid on a before-tax basis up to the monthly legal limit-effectively reducing your commutation costs. If your commuting expenses exceed this amount, the balance of the cost will be deducted from your pay on an after-tax basis.<br />Employee discountsOne of the benefits of working at JPMorgan Chase is the employee discounts you're eligible for.<br />Banking services, including auto financing<br />Cars - including hybrids<br />Cell phones and related products/services<br />Computers and electronics<br />Entertainment<br />Fitness programs and equipment<br />Travel<br />Arts and Culture Employee Benefits ProgramJPMorgan Chase employees can receive reduced or free admission at cultural institutions just by showing your company ID card, as part of our 'Arts and Culture Employee Benefits' program. In New York, choose from major theaters, museums, galleries, gardens, zoos, and other cultural attractions.<br />Exclusive OffersAs the name implies, Exclusive Offers are special discounts offered exclusively to employees of the firm from our banking clients. When you buy from one of our customers, you save money - and you're supporting the companies who do business with the firm. Discounts are available to everyday merchants and premium merchants nationwide for apparel, automobiles (including hybrids), banking services, computers, electronics, cell phones, wireless plans, entertainment, fitness equipment, flowers, jewelry, travel services and much more.<br />Discounts on gym membershipsTo promote enhanced health and fitness among employees, we offer discounted fitness programs and exercise equipment available to employees throughout the U.S.<br />Computer DiscountsJPMorgan Chase employees can receive discounted pricing on several new and used computer products from a variety of vendors:<br />Apple<br />Dell<br />Hewlett Packard<br />J&R Music and Computer<br />Employee financial services and checking accountsJPMorgan Chase employees are eligible for employee-exclusive offers on Chase financial products that include:<br />Free Chase Premier CheckingSM with the convenience of Direct Deposit of payroll<br />No monthly service fee and relationship rates on additional Chase Premier SavingsSM accounts when linked to a Chase Premier CheckingSM account<br />Discounted rates on auto purchases and refinances<br />Waived fees on home equity loans, lines and mortgages<br />Bonus rewards on select debit and credit cards<br />No-fee brokerage and investment services<br />* This is a partial list of benefits available to U.S. employees. Benefits are subject to on-going review and considerations. When you join as a full-time hire, you will be presented with the particular benefits and eligibility is based on your individual circumstances. These benefits are also available to part-time employees who work more than 20 hours a week.<br />