Morgan Stanley is pleased to offer Shareworks employees a comprehensive collection of benefits to protect you and your family. Below is a complete list and the dates by which you must enroll for coverage in 2020.
| Enroll Only from December 2 to 16, 2019* | |
|---|---|
| Medical and Prescription Drugs | Options A, B or C by Cigna or UnitedHealthcare** |
| Dental | Option A by MetLife or Delta Dental Option B by MetLife*** |
| Vision | Options A or B Administered by VSP |
| Flexible Spending Accounts |
|
| Supplemental Life and AD&D Insurances | For you, your spouse or domestic partner and children. Insured by MetLife |
| Long-Term Disability Insurance | Insured by MetLife |
| Legal Assistance Plan | Administered by Hyatt Legal Plans (a MetLife company) |
| Accident, Critical Illness and Hospital Indemnity Insurances | Administered 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 Health Dental Plan.
| Enroll Any Time After December 2, 2019 | |
|---|---|
| 401(k) Plan | Sponsored by Morgan Stanley Note: Enroll by January 2 to have contributions deducted from your first paycheck in 2020. |
| Health Savings Account | Medical Plan Option C only Administered by Your Spending Account (YSA) |
| No Enrollment Required |
|
|---|---|
| The Firm provides these benefits at no cost to you | |
| Mental Health Benefit | Administered 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 Opinions | Administered by 2nd.MD Available to you, your spouse/partner, children of all ages, parents, grandparents and in-laws |
| Employee Basic Life Insurance $50,000 | Insured by MetLife |
| Basic Accidental Death and Dismemberment Insurance $50,000 | 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 Varies | Insured by MetLife |
| Enroll January 1 to 31, 2020 | |
|---|---|
| Health Care Coordination | Administered by PinnacleCare |
| Corporate Excess Disability Insurance | Insured by Lloyds of London |
| Enroll Any Time After January 1, 2020 | |
|---|---|
| Commuter Benefits Program | Administered by WageWorks |
| Long-Term Care | Insured by MassMutual |
| Supplemental Insurances | |
| - Auto | MetLife, Travelers |
| - Homeowner or Renter | MetLife, Travelers |
| - Identity Theft | InfoArmor |
| - Group Personal Excess Liability (aka Umbrella) | Insured by Chubb |
| - Pet | Pet Benefit Solutions, Nationwide |