Long-Term Disability Insurance


BJC automatically provides eligible employees both short-term and long-term disability benefits to help replace some of the income they would lose while disabled.

BJC’s short-term disability (STD) benefits pay 60 percent of an employee's weekly earnings up to $2,500 per week for up to 25 weeks (or 180 days), after the employee completes six months of employment with BJC.

Full-time employees who have been with BJC for six months can receive a long-term disability benefit equal to 50 percent of their base pay, up to $8,000 per month.

Long-Term Disability (LTD) Insurance Option

  • Full-time employees have the option to purchase an additional 10 percent in coverage to a maximum of $10,000 per month.
  • Part-time employees have an option of purchasing 60 percent in coverage up to $10,000 per month, after completing six months of employment with BJC
  • GME Resident House Staff must purchase LTD insurance unless they provide proof of coverage from another plan within 31 days of their hire date and again each year during annual benefits enrollment

Employee Costs for Long-Term Disability Insurance

The cost of LTD Insurance is a pre-tax, per-pay-period deduction for full-time employees, and an after-tax, per-pay-period deduction for part-time employees. Your coverage options and costs will be provided during your benefits enrollment.

  Full-time > 6 Months of Service Part-time > 6 Months of Service
Employee's Age 10% Coverage Rate Per $100 60% Coverage Rate Per $100
<35 $0.137 $0.224
35-39 $0.224 $0.405
40-44 $0.319 $0.419
45-49 $0.453 $0.833
50+ $0.567 $1.030


Long-Term Disability Insurance Costs for GME Resident House Staff

The cost of LTD insurance for GME Residents is an after tax, per-pay-period deduction based on 26 pay periods a year. The rate per $100 of coverage is $0.160. Your coverage option and cost will be provided during your benefits enrollment.