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.
Rates are generally locked in at the time you purchase the policy (two-year rate guarantee) and are based on several factors including coverage election, covered person (employee or spouse), age and tobacco use.
Please watch this important video on your 2016 Morgan Stanley Benefits.