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2025 Benefits

My Wellbeing | Optimize Your Benefits

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Option C Health Savings Account (HSA)

You can contribute before-tax dollars to an HSA to cover […]

My Health Programs:
The Right Care at the Right Time

Primary Care

Exceptional primary and preventive medical care for you and your dependents at clinics near home or work – and 24/7 virtual care

About One Medical >

Mental Health Benefit

16 free, confidential sessions with a therapist or coach for you and your dependents – and psychiatry and medication management

About Lyra >

Medical Second Opinions

You and your extended family may consult with elite specialists about new diagnoses, surgeries and chronic conditions, at no cost

About 2nd.MD >

Questions about your Morgan Stanley benefits?

Speak with an Accolade Health Assistant

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member.accolade.com

Download the Accolade app from the Apple or Google store

You and your dependents may contact an Accolade Health Assistant for help understanding your benefit options and selecting the programs that are right for you. And throughout the year, Health Assistants can find quality in-network providers, guide you through health care issues, resolve billing and claims issues, and connect you with Firm resources.*

8 am to 8 pm ET (phone) | 8 am to 11 pm ET (messaging) | M-F

© 2025 Morgan Stanley. All rights reserved. • Privacy & Cookies • Your Privacy Choices

Any inconsistency between this communication and the terms of an official plan document will be governed by the plan document. Morgan Stanley and its benefit plans are not responsible for any data errors or processing delays. The plan administrator may correct any errors at any time. Additional important information.

The information contained in this document is general in nature, is not individual tax advice and may not be used to avoid any tax or tax penalty. Tax laws are complex and may change, and their application may vary based on the circumstances. Morgan Stanley and its benefit plans do not provide tax or legal advice. You are responsible for consulting your own advisors.

The plan administrator may require you to verify your and your dependents’ data. Providing false or misleading information may lead to legal or disciplinary action by Morgan Stanley, including employment termination and cancellation of executive compensation. This statement does not guarantee coverage; the plan administrators have ultimate authority for determining eligibility.

Check your confirmations and statements to ensure that your elections are correctly reflected. Morgan Stanley’s benefit plans may be amended or discontinued at any time, including to curtail benefits for some or all covered individuals.

Please watch this important video on your 2016 Morgan Stanley Benefits.