| Enroll in These Benefits from November 6 to 20 (or Within 31 Days of Your Start or Eligibility Date)* | |
|---|---|
| Medical and Prescription Drugs | Options A, B or C by Cigna or UnitedHealthcare** |
| Dental | MetLife Options A or B or Delta Dental*** |
| Vision | Options A or B Administered by VSP |
| Flexible Spending Accounts |
|
| Supplemental Life and AD&D Insurances | For you, your spouse or domestic partner and children. Insured by MetLife |
| Long-Term Disability Insurance | Insured by MetLife |
| Corporate Excess Disability Insurance | Insured by Lloyd’s of London |
| Legal Assistance Plan | Administered by MetLife Legal Plans |
| Accident, Critical Illness and Hospital Indemnity Insurances | Administered by Aflac |
* Note: You may change certain coverage during the year only if you have a qualified life event (marriage, divorce, birth, adoption, etc.).
** Employees in California may also choose to enroll in Medical Plan coverage through Kaiser. Employees in Hawaii may choose from Kaiser or HMSA options. Certain US benefits-eligible international employees and US expatriates may elect Cigna Global Health Medical Plan.
*** Certain US benefits-eligible international employees and US expatriates may elect Cigna Global Dental Plan.
| No Enrollment Required |
|
|---|---|
| The Firm provides these benefits at no cost to you | |
| Mental Health Benefit | Administered by Lyra Health You, your spouse/partner and children up to age 26 each have 16 sessions with a therapist or coach per year |
| Medical Second Opinions | Administered by 2nd.MD Available to you, your spouse/partner, children of all ages, parents, grandparents and in-laws |
| Employee Basic Life Insurance $50,000 | Insured by MetLife |
| Basic Accidental Death and Dismemberment Insurance $50,000 | Insured by MetLife |
| Business Travel Accident Insurance 5 x Benefits Eligible Earnings up to $3 million | Insured by Life Insurance Company of North America |
| Short-Term Disability Insurance Varies | Insured by MetLife |
| Enroll at Any Time | |
|---|---|
| 401(k) Plan | Sponsored by Morgan Stanley |
| Health Savings Account | Medical Plan Option C only Administered by Your Spending Account (YSA) |
| Commuter Benefits Program | Administered by HealthEquity |