Disability Insurance

BJC provides eligible employees short-term and long-term disability benefits, administered by Lincoln Financial Group, to help replace some of the income they would lose while disabled.

Short-Term Disability (STD)

Full-time and part-time employees: BJC provides STD coverage that pays 60 percent of your weekly earnings, up to $2,500 per week for 25 weeks (or 180 days), after you complete six months of employment with BJC. 

Long-Term Disability (LTD)

Full-time employees: BJC provides LTD coverage that pays 60 percent of your monthly earnings, up to $10,000 per month. For approved claims, coverage begins when STD ends. Part-time employees are eligible to purchase LTD coverage after six months of BJC service. The cost of this coverage is an after-tax, per-pay-period deduction, based on 26 pay periods a year.

To calculate your bi-weekly premium, determine your annual base pay and take that amount and divide by 100. Multiply by the age rate from the table and divide by 26 (paychecks).

Example: Part-time employee > 6 months of service, age 45 with base pay of $20,000:

$20,000 ÷ 100 = $200 X 1.024 = $204.80 ÷ 26 = $7.88 per paycheck

  Part-time > 6 Months of Service  
Employee's Age 60% Coverage Rate Per $100  
<35 $0.278  
35-39 $0.499  
40-44 $0.517  
45-49 $1.024  
50+ $1.266  


Graduate Medical Education (GME) Resident House Staff must purchase LTD coverage unless they provide proof of coverage from another plan within 31 days of their hire date and again each year during annual benefits enrollment. 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 and is administered by Paul Revere.

Note: BJC Medical Group employees with employment agreements may experience different benefits.


BJC Leave Management Center, toll-free 800.213.1580; the Center is open 24/7/365


Summary Plan Descriptions (SPD)

LTD Conversion Instructions