BJC Pension Plan

Pension plans are a lifetime benefit to employees. The longer you give your service to BJC, the more you will benefit from your pension when you retire. Not all BJC hospitals and health service organizations participate in the BJC Pension Plan. BJC hospital and health service organizations that do not offer the BJC Pension Plan, provide a 403(b) retirement offering.

Pension Plan Overview

  • Provides you with a monthly income for life during your retirement years, and is 100 percent funded by BJC; there are no employee contributions to this plan
  • Where offered, it is generally available to all employees working 20 hours or more per week
  • Your retirement benefit builds up or accrues as your years of employment with BJC increase


In general, eligible employees automatically become a plan participant on the January 1 or July 1 following the date they:

  • Are employed one year
  • Are 21 years of age or older
  • Have worked at least 1,000 hours in a 12-month period

For more details on participation, see the BJC Pension Plan Summary Plan Description.


Being vested in the plan means you have a right to benefits from the plan even if you leave the company before you reach retirement age. You earn one year of vesting service for each plan year (W-2 year) in which you are credited for at least 1,000 hours. You need five separate plan years in which you have been credited with 1,000 or more hours in each year in order to be vested.  

For more details on vesting, see the Summary Plan Description.

Pension Plan Information Resources

If you have questions regarding the BJC Pension Plan, contact the BJC Retirement Service Center toll-free 800.713.2854, 7 a.m.-5 p.m., Central, Monday-Friday.

BJC encourages all eligible employees to visit the new and improved BJC Pension website where you can:

  • Instantly estimate your pension plan benefits
  • Access a variety of financial and retirement planning tools, such as the Pension Estimator
  • Save and compare your pension estimates as you plan for your retirement
  • Initiate your pension benefit when you’re eligible and ready to retire 

Will You Outlive Your Retirement Savings?

FAQ Videos 

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St. Louis, Missouri 63108
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