Overview

Our commitment doesn’t end when your workday does. We offer a range of benefits to help you balance work and other aspects of your life.

Time Off

E*TRADE’s time off benefits include vacation, sick days, and holidays:

  • Vacation accrues based on the number of years of employment you have completed on your service anniversary date each year, based on your regularly scheduled hours. Part-time employees accrue on a prorated basis, measured against a standard-hour work week.
  • Sick time accrues as you work, but does not exceed nine business days or 72 hours per year. Part-time employees accrue prorated sick hours based on the number of scheduled work hours per week.
    Note: Hourly employees who work less than their regularly scheduled work hours during any pay period will accrue less than the applicable maximum accrual rate.
  • Holidays observed by E*TRADE generally follow the practice of the New York Stock Exchange (NYSE) and NASDAQ (NASD).

For more information regarding paid time off, visit My HR, click Payroll, Benefits, and Time Knowledge Base. Then, go to Time Off & LOA.

Tuition Assistance

Are you interested in furthering your knowledge, skills, and capabilities through a job-related degree? The Tuition Assistance program can reimburse up to $5,250 in tuition expenses per year.

Highlights and requirements:

  • The program covers employee-pursued, job-related undergraduate, or graduate degree coursework—but not certification or continuing education that’s required for your job.
  • You must be a regular full-time employee in good standing who has been employed with the Company for six months.
  • Participation requires pre-approval from your manager and the Program Administrator, as well as a Tuition Repayment Agreement.
  • Your reimbursement depends on your grades: 100% for an A or Pass, 80% for a B, and 50% for a C. No reimbursement will be made for a grade below C.

To learn more about Tuition Assistance, visit My HR.

Bright Horizons

Bright Horizons is your resource for back-up care, college admissions counseling, and developmental disabilities support.

Back-Up Care

When last-minute or short-term care needs arise and you need to get to work, you have access to high-quality and reliable care. Back-up care through Bright Horizons helps you find center and in-home care for children and adults.

You have access to:

  • Urgent or planned temporary child care
  • Adult and elder care assistance
  • A national network of vetted child care centers and in-home caregivers
  • A 24-hour contact center and website with experienced care consultants to coordinate all care arrangements

You can also take advantage of Enhanced Family Support, which includes:

This benefit is open to all employees, regardless of whether you are enrolled in benefits. Back-up care is subsidized by E*TRADE for you to use when you have a work-related care issue, and each employee is entitled to 30 uses per year. The cost of in-home care is $8 per hour with a four-hour minimum. Center-based care costs $20/child per day or $35/family per day.

For more information, visit https://clients.brighthorizons.com/morganstanley (username: MorganStanley; password: Benefits4You) or call 1-833-224-7075.

New! College Coach

The college admissions process can be expensive, and you may not know where to begin. Bright Horizon’s College Coach provides no-cost webinars, one-on-one counseling, and a virtual learning center to help you save for, select, apply to, and finance college. You and your children of all ages can take advantage of:

  • Personalized college lists
  • Comprehensive essay and college application assistance
  • Organizational and timeline planning
  • Interview preparation
  • Strategies for who should write recommendations
  • High school academic and extracurricular planning
  • Scholarship search strategy
  • Tuition payment planning
  • Financial aid form explanation
  • Award negotiation approaches

For more information, visit https://clients.brighthorizons.com/morganstanley#Family-Solutions.

New! Torchlight Developmental Disabilities Support

Bright Horizon’s Torchlight program provides support to parents raising children with learning, emotional, or developmental challenges. Parents receive no-cost, expert guidance on managing your child’s situation, advocating for your child, and helping them overcome hurdles from birth through young adulthood.

To get started, visit https://child.torchlight.care/ using the code “MorganStanley.” Your family will be able to use your account to access Torchlight benefits.

Note: Torchlight is replacing Rethink as E*TRADE’s developmental disabilities support tool.

Adoption Assistance

E*TRADE offers an adoption assistance program designed to help offset the cost of adoption. The Company will provide a benefit up to $5,000 per adoption with no limit on the number of adoptions. For more information about the Adoption Assistance Policy, please visit My HR, click Payroll, Benefits, and Time Knowledge Base. Then, go to Employee Services.

Surrogacy Assistance

E*TRADE offers a surrogacy assistance program designed to assist employees with eligible expenses associated with the expansion of their families through certain, lawful surrogacy arrangements. The Company will provide a benefit of up to $7,500 per surrogacy, with no limit on the number of surrogacies, for qualified eligible expenses under the law of each state. For more information about the surrogacy assistance program, please visit My HR, click Payroll, Benefits, and Time Knowledge Base. Then, go to Employee Services.

Pre-Paid Legal Plan

You can enroll in the MetLife Legal Services Plan, which provides convenient access to quality, affordable legal services. You can receive services within the plan’s national network of more than 9,000 trained, screened, and experienced attorneys. Or, you may elect to see any attorney you choose and receive a fixed-fee reimbursement based on services provided.

Covered services include general telephone advice and office consultations plus a wide range of services:

  • Documents—Preparation and review of any personal legal documents
  • Wills and estate planning—Living wills, powers of attorney, trusts, wills, and codicils
  • Real estate matters—Purchase or refinancing, eviction defense, tenant negotiations
  • Debt matters—Debt collection defense, personal bankruptcy, identity theft
  • Consumer matters—Consumer protection, small claims assistance
  • Family law—Adoption, guardianship, prenuptial agreements
  • Defense of civil lawsuits

For more information or to enroll, visit Info.Legalplans.com and enter 6090667, or call 1-800-821-6400.

Commuter Benefit

The HealthEquity (formerly WageWorks) commuter benefit program lets you reduce the daily cost of getting to work by using pre-tax money to pay for eligible commuting/parking expenses. Depending on your tax rate, you can save up to 40% off your commuting/parking expenses.

  • The pre-tax limit is $270 for transit and $270 for parking.
  • Set aside pre-tax money each month for commuting and/or parking expenses.
  • When you enroll, choose your transit pass or parking provider, or if you park and ride, choose both. No paper forms are required.
  • You will get your passes regularly in the mail, and in most cases your parking payment will be sent directly to your provider.

For more information or to enroll, visit wageworks.com or call 1-877-924-3967. Enrollment and/or changes for this benefit can be made at any time during the year.

Identity Protection

Protect yourself and your family from identity theft with Allstate's Identity Protection plan, a proactive monitoring service that alerts you at the first sign of fraud.

Receive alerts for credit inquiries, accounts opened in your name, disreputable content on your social media accounts, compromised credentials, and financial transactions.

If you experience fraud, dedicated Privacy Advocates® will fully manage and restore your identity.

Additional features include:

  • Dark web monitoring
  • High-risk transaction monitoring
  • Social media reputation monitoring
  • Monthly updated credit score and annual credit report from TransUnion
  • Full-service 24/7 fraud remediation with a dedicated Privacy Advocate
  • $1 million identity theft insurance policy
  • 401(k) and HSA stolen fund reimbursement
  • Tax fraud refund advances

For more information, rates, and to enroll, click here or visit www.myaip.com/etrade. You can also call Allstate at 1-800-789-2720.

Pet Insurance

Nationwide’s My Pet Protection helps you plan for your pet’s health care and offset costs for routine care and unexpected illness or injury. Pet insurance policies reimburse eligible veterinary expenses based on your plan’s coverage.

Nationwide has a pet insurance plan for every pet and every budget. You can choose a complete care plan or select individual levels of medical or wellness coverage.

Depending on your plan, you can be reimbursed for up to 90% of the vet bill if your pet experiences the following:

  • Accidents, including poisonings and allergic reactions
  • Injuries, including cuts, sprains, and broken bones
  • Common illnesses, including ear infections, vomiting, and diarrhea
  • Serious/chronic illnesses, including cancer and diabetes
  • Surgeries and hospitalization
  • X-rays, MRIs, and CT scans
  • Prescription medications
  • Preventive care and vaccinations
  • Lost pet benefit due to theft
  • Mortality benefit

For more information, rates, and to enroll, click here or visit www.PetInsurance.com/etrade. You can also call Nationwide at 1-877-738-7874.

Auto and Home Insurance

Travelers Auto and Home Insurance gives you peace of mind and income protection in the event of an automobile or home accident. By enrolling in Auto and Home Insurance through E*TRADE, you benefit from exclusive group rates and can save hundreds of dollars on auto, home, condo, and renters insurance.

Travelers has over 160 years of experience and earns high ratings from today’s leading insurance rating companies. You can choose from a wide range of services, including:

  • Additional discounts toward your coverage if you’re a safe driver, new-car owner, homeowner, or good student, and if you enroll in both auto and home insurance through Travelers
  • Customized coverage options, allowing you to add coverage solutions to meet your unique needs, from roadside assistance to boat and high-value items protection coverage and more
  • Convenient payment options
  • Exceptional customer service with 24/7 assistance and claims reporting online or by phone
  • Flexible repair options with partner body shops that offer prompt, quality repairs
  • Free, no-obligation quotes from licensed insurance representative or online

For more information, rates, and to enroll, click here or visit www.travelers.com/etrade. You can also call Travelers at 1-888-695-4640.