Eligibility


Am I Eligible to Enroll in 2019 Benefits?

You are eligible to participate in 2019 Benefits Enrollment (October 31-November 14, 2018) if you are classified as a regular full-time employee who works at least 35 hours per week (70 hours per pay period), or as a regular part-time employee who works at least 24 hours per week (48 hours per pay period).

Can I Enroll My Dependents?

Yes. You can cover your dependents in the benefits you elect, including your spouse*, children up to 26, and a disabled child of any age. BJC’s Summary Plan Descriptions (SPD) defines a child as an employee’s natural child, step-child, legally adopted child, or a child placed with you for adoption. Your dependent cannot be enrolled in benefits by more than one BJC employee. For more detailed information, see the Benefits Summary Plan Descriptions (SPD).

*Attention Memorial Employees: Spouses are not eligible to participate in the BJC Medical plan if they have access to group medical coverage from their employer, which is Memorial's current practice.

Do I Need to Verify My Dependent’s Eligibility?

If you are enrolling a new dependent or a dependent not previously verified as eligible by BJC, you will need to provide documentation verifying their eligibility for coverage. Secova, BJC’s dependent eligibility verification administrator, will mail to your home a packet detailing requirements. Verifying a spouse requires a marriage certificate, utility bill, bank statement or tax return. You may verify a child with a birth certificate or tax return. You must provide Secova with documentation to ensure your dependents have coverage on BJC plans.

BJC conducts periodic audits to ensure that dependents enrolled in the health care and insurance plans meet the criteria for coverage. 

When Does My Coverage Begin?

Coverage elected during annual enrollment will be effective on January 1, 2010, except for supplemental life insurance that requires Evidence of Insurability (EOI) approval.

For new employees or newly benefits-eligible employees, coverage for you and your eligible dependents will begin on the first day of the month after 30 days of employment, provided you complete your online enrollment within 31 days of your hire date. Short-term and long-term disability plan benefits will be effective after six months of employment.

GME Resident House Staff: Medical coverage will begin on your hire date. All other coverage will begin on the first day of the month after 30 days of employment, provided you complete your online enrollment within 31 days of your hire date. 

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