- Coverage is guaranteed-issue, so you may qualify for coverage without having to answer health questions.
- Benefits are paid directly to you unless you choose otherwise – the money is yours to use as you please.
- Coverage is available for you, your spouse and dependent children.
- Coverage is generally portable, so you can take it with you if you change jobs or retire.
- Most claims are paid in about four business days.
Please watch this important video on your 2016 Morgan Stanley Benefits.