Contributions

Medical Contributions

Estimate Your Medical, Dental and Vision Paycheck Contributions – and See What You’ll Pay for All Other Benefits

The cost of quality health care is a shared expense between Morgan Stanley and employees. The Firm pays a percentage of the cost of your medical coverage, based on 10 pay bands – and you pay the remainder through contributions that are deducted from your pay, twice each month, on a before-tax basis. (Employees who make less receive higher Firm contributions.)

Note: If you or your spouse/domestic partner uses tobacco products and certifies as such during Annual Enrollment, your annual contributions for medical coverage increase by $500 per tobacco user. Providing false or misleading information may lead to legal or disciplinary action by Morgan Stanley, including employment termination and cancellation of executive compensation.

To estimate your paycheck medical, dental and vision contributions, select the information that applies to your situation in the wizard below. The wizard shows estimates only. When you enroll for your benefits, you’ll see exact paycheck contribution amounts.

Note: Although your paycheck contributions will be the same wherever you live in the US, Cigna or UnitedHealthcare may have negotiated more favorable rates in your state for when you seek medical care.

To see the employee paycheck contributions for all Morgan Stanley benefits plans, see the PDFs below.

My location is:

Choose one

My Benefits Eligible Earnings are:

Generally, your W-2 earnings. For details, see below, or to see your actual BEE, log on to the Benefit Center website during enrollment.

Choose one

I want to see my per-paycheck costs for:

Choose one

Medical
Dental
Vision

Contributions for these three coverages are taken before-tax.

I want to see coverage for:

Select all that apply

Myself Only
Myself + Spouse/Domestic Partner

Myself + Children
Myself + Family

Note: If you are covering your domestic partner or the children of your domestic partner, the IRS determines the tax status of your dependents and may impose a tax on the value of coverage. For additional information, see the Health Benefits and Insurance Summary Plan Description.

You are:	Your BEE is the:
Not a recent/new hire* and not an FA ^{*Hired more than two years ago}	Greater of US Eligible Pay* or Base Pay
A recent/new hire* and not an FA ^{*Hired less than two years ago}	Greater of W-2 from your prior employer (if submitted), US Eligible Pay or Base Pay
Not a recent/new hire* and an FA ^{*Hired more than two years ago}	Greater of US Eligible Pay or Base Pay
A recent/new hire* and an FA ^{*Hired less than two years ago}	Greater of US Eligible Pay, Base Pay, W-2* or Trailing 12-Month Earnings* (T12) ^{*W-2 or T12 will be used to determine your BEE if either are greater than your Base Pay or US Eligible Pay}
International transfer* ^{*Transferred within the two most recent calendar years}	Greater of Total Rewards, US Eligible Pay or Base Pay

You are:

Your BEE is the:

Not a recent/new hire* and not an FA
^{*Hired more than two years ago}

Greater of US Eligible Pay* or Base Pay

A recent/new hire* and not an FA
^{*Hired less than two years ago}

Greater of W-2 from your prior employer (if submitted), US Eligible Pay or Base Pay

Not a recent/new hire* and an FA
^{*Hired more than two years ago}

Greater of US Eligible Pay or Base Pay

A recent/new hire* and an FA
^{*Hired less than two years ago}

Greater of US Eligible Pay, Base Pay, W-2* or Trailing 12-Month Earnings* (T12)
^{*W-2 or T12 will be used to determine your BEE if either are greater than your Base Pay or US Eligible Pay}

International transfer*
^{*Transferred within the two most recent calendar years}

Greater of Total Rewards, US Eligible Pay or Base Pay

You've been rehired:	Your BEE is the:
Rehired within 31 days of leaving the Firm	Same BEE as before you terminated employment; BEE is determined as if you never left the Firm
Rehired more than 31 days but less than 12 months since leaving the Firm	Greater of prior year’s US Eligible Pay, current Base Pay or same BEE before you terminated employment
Rehired more than 12 months since leaving the Firm	Same as a new hire’s; BEE will be recalculated

You've been rehired:

Your BEE is the:

Rehired within 31 days of leaving the Firm

Same BEE as before you terminated employment; BEE is determined as if you never left the Firm

Rehired more than 31 days but less than 12 months since leaving the Firm

Greater of prior year’s US Eligible Pay, current Base Pay or same BEE before you terminated employment

Rehired more than 12 months since leaving the Firm

Same as a new hire’s; BEE will be recalculated

Medical Contributions

My location is:

My Benefits Eligible Earnings are:

I want to see my per-paycheck costs for:

I want to see coverage for:

How Your BEE Is Calculated

Employee Contributions for All Morgan Stanley Benefits