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Except as otherwise specified, the programs offered under the Employee Offers are not employee benefit plans sponsored or endorsed by Morgan Stanley. Morgan Stanley generally has no responsibility for the administration of, or for any benefits or amounts payable under the Employee Offers's offerings. All inquiries with respect to the programs offered should be directed to YouDecide. The descriptions of the offerings on this website are general summaries. Exclusions and limitations may apply under the offerings shown herein. Certain products offered under the Employee Offers are insured by MetLife (or an affiliate), the CHUBB Group of Insurance Companies, or another insurer. In the event of any conflict between the information on this website and in any insurance certificate or other information from a provider, the insurance certificate or other information shall control.

Morgan Stanley in its discretion reserves the right to discontinue any or all of the offerings under the Employee Offers and may terminate the services provided by YouDecide. In the event of any such discontinuance or termination, your rights under an offering may be limited to the rights provided in your insurance certificate or other evidence of coverage.

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