What's New for 2021

Review this page to learn about your 2021 benefits.

Enhanced Benefits with Morgan Stanley

Be on the lookout for more information about these benefits:

  • 2nd.MD: Get a free second opinion: Coming in Jan., 2nd.MD offers independent expert second opinions to confirm your diagnosis or identify alternate treatment options. This is available to you and your family, even if you’re not enrolled in an E*TRADE medical plan.
  • Additional benefits coming later in 2021
    • Lyra Mental Health Benefit: Find therapists, mental health coaches, and resources using Lyra’s interactive online platform so you can feel better faster – completely confidential and at no cost to you.
    • College Coach: Take advantage of free webinars, one-on-one counseling, and a virtual learning center to help you and your family save for, select, apply to, and finance college.
    • Milk Stork: While traveling for work, Milk Stork provides breast-feeding moms with convenient, refrigerated, express shipping or easy toting of breast milk to your baby back home – all at no cost to you.

Premium Rates Will Remain Flat

We take great care with the investment we make in your benefits program. Our goal is to limit any increase to your share of benefits premiums. Premium rates for 2021 will be the same as your 2020 rates. View your rates here.

Premium Discount

All employees will receive a $130 annual wellness discount on their 2021 medical plan premiums, in lieu of the biometric screening discount previously offered.

Health Care Flexible Spending Account (FSA) Carryover Feature

Effective for the 2021 plan year, if you contribute to a Health Care FSA, you can carry over unused funds up to $550 into the following year. You will no longer have the option to incur expenses during Q1 of the following year (there will no longer be a grace period). Learn more.

Limited Purpose and Dependent Care FSA Grace Period

Effective for the 2021 plan year, if you enroll in the Limited Purpose and/or Dependent Care FSA, you will no longer have the option to incur expenses during Q1 of the following year (there will no longer be a grace period). All eligible expenses must be incurred between Jan. 1 and Dec. 31, 2021.