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.