Benefits Eligible Earnings consider different measures of your compensation to determine how much you pay each paycheck for medical coverage, as well as the maximum amounts of insurance coverage (Supplemental Life, Long-Term Disability, etc.) you may elect. For instance, the maximum amount of Supplemental Life Insurance you may elect is 10 times your BEE, up to a maximum of $5 million.

Typically, your BEE is the greater of your current base pay or your prior year’s W-2 earnings (base pay, commissions, overtime and bonus).

Additionally, your BEE calculation depends on your hire date, whether you are a Financial Advisor (FA), or whether you transferred to the United States from an international location:

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