Your Menu of Morgan Stanley Benefits

Select Your Benefits

Enroll in These Benefits from November 6 to 20 (or Within 31 Days of Your Start or Eligibility Date)*
Medical and Prescription DrugsOptions A, B or C by
Cigna or UnitedHealthcare**
DentalMetLife Options A or B or Delta Dental***
VisionOptions A or B
Administered by VSP
Flexible Spending Accounts
  • Health Care
  • Limited Purpose (Medical Plan Option C only)
  • Dependent Day Care
Administered by UnitedHealthcare or Your Spending Account (YSA)
Supplemental Life and AD&D InsurancesFor you, your spouse or domestic partner and children. Insured by MetLife
Long-Term Disability InsuranceInsured by MetLife
Corporate Excess Disability InsuranceInsured by Lloyd’s of London
Legal Assistance PlanAdministered by MetLife Legal Plans
Accident, Critical Illness and Hospital Indemnity InsurancesAdministered 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 BenefitAdministered 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 OpinionsAdministered by 2nd.MD
Available to you, your spouse/partner, children of all ages, parents, grandparents and in-laws
Employee Basic Life Insurance
Insured by MetLife
Basic Accidental Death and Dismemberment Insurance
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
Insured by MetLife


Enroll at Any Time
401(k) PlanSponsored by Morgan Stanley
Health Savings AccountMedical Plan Option C only
Administered by Your Spending Account (YSA)
Commuter Benefits ProgramAdministered by HealthEquity