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 benefits enrollment
  • 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 may also pay an 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

Basic Life and Accidental Death & Dismemberment (AD&D) Insurance Coverage Chart

Insurance Types Full-time Part-time
Basic Life + AD&D 1 x base pay at no cost $15,000 at no cost
Supplemental Life + AD&D Up to 5 x base pay $15,000 or $30,000
Additional AD&D Employee: Up to $500,000
Spouse: Up to $200,000
Child: Up to $50,000
Employee: Up to $500,000
Spouse: Up to $200,000
Child: Up to $50,000
Dependent Life Spouse: Up to $50,000
Child: Up to $10,000
Spouse: Up to $50,000
Child: Up to $10,000

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.