Life and Accidental Death & Dismemberment (AD&D) Insurance

BJC provides Basic Life and Accidental Death & Dismemberment (AD&D) Insurance coverage at no cost to eligible full-time and part-time employees. Highlights of this benefit:

  • Coverage is automatic so you do not need to enroll in this benefit, but you need to name your life insurance beneficiary (or beneficiaries) during the benefits enrollment process
  • Coverage pays one times the annual base salary of a full-time employee (35 hours or more per week)
  • Coverage pays $15,000 to eligible part-time employees (24 hours or more a week)
  • If you are injured or die because of an accident, the plan will pay an additional AD&D benefit
  • The IRS levies a tax on life insurance coverage greater than $50,000. If your salary is greater than $50,000, you can elect to limit your coverage to $50,000 to avoid the tax impact
  • During the benefits enrollment process, you can purchase Supplemental Life and AD&D Insurance for yourself, Additional AD&D Insurance for yourself and your family, and Dependent Life Insurance for your spouse and eligible children
  • Insurance Types
4901 Forest Park Avenue
St. Louis, Missouri 63108
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