FAQs for the Retirement Planning Sessions and Retiring from BJC

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Please email RetirementBenefits@bjc.org with your name and the details for the session you signed up for but are unable to attend.


Meeting team members unique sessions needs is a top priority in helping you feel prepared for retirement. We will continue to add sessions to the registration page and assess the locations and times most convenient for team members. Online learning opportunities will also be available. You will receive an invitation via your home mailing address and BJC email address to promote additional offerings.

Save the date for these sessions tentatively scheduled and others may be added to the registration page soon.


This is a difficult question to answer, as it is based on a person’s individual circumstances. There are many things to consider, including but not limited to -- what kind of lifestyle do you hope to have in retirement? Have you estimated what your expenses will be in retirement?  What will be your sources of income in retirement?

If you are a participant in the BJC Pension Plan, and have earned at least five years of Vesting Service, you can retire and begin your BJC pension on a reduced basis as early as age 55.

If you participate in the BJC 401(k) Plan or BJC 403(b) Plan, you can take a distribution once you reach 59 1/2 or terminate your BJC employment.


You can begin receiving reduced Social Security benefits at age 62. Keep in mind that the Social Security Administration recognizes your full retirement age as 66 or 67, depending on your year of birth. Also, when you decide to begin receiving Social Security can impact the amount of your benefit.


Before you retire, be sure to:

  • Determine your last day of work at BJC; normally, pension payments are effective on the first of the month following your last day worked
  • Contact the BJC Retirement Service Center (toll-free 800.239.4538, 7 a.m.-3 p.m. Monday-Friday) about 60 days prior to your retirement date so you can complete the necessary paperwork
  • Make sure your mailing address and date of birth are correct on your myBJCnet (PeopleSoft) profile
  • Confirm with your manager on your last day of employment that your termination date is properly entered in PeopleSoft


The Retirement Service Center calculates pension benefits for the BJC Pension Plan. You can run your own calculations on their secure website or contact them by telephone and they will provide the amounts to you. The website address is www.myBJCpension.org, and the telephone number is toll-free 800.239.4538. Representatives are there 7 a.m.-3 p.m. Monday-Friday. In either case, you will need a password -- if you do not have one, call the Service Center and one can be provided.


While we attempt to provide some basic Medicare information in our retirement sessions, Medicare is part of the federal government’s Centers for Medicare and Medicaid Services (CMS), so it is not BJC’s program to administer. The CMS website is www.medicare.gov and is very complete and thorough. Medicare representatives can also be reached by calling toll-free 800-MEDICARE (800.633.4227).

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