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.

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.