Long-Term Disability

BJC offers long-term disability (LTD) coverage to eligible employees, which provides a source of income if you become disabled. It is possible that a serious injury or sickness may keep you from working for a prolonged time, which may result in your inability to financially support yourself or your family. 

The LTD coverage is designed to help provide you with a financial safety net if you become disabled and unable to work for more than 180 days. 

  • BJC pays the cost of level 1 LTD coverage for most full-time employees with at least six months of service; this pays you 50 percent of your base monthly pay, up to a maximum of $8,000 per month, while you are disabled 
    • If you prefer an increased amount of coverage, you may pay the additional cost for level 2 coverage; this pays you 60 percent of your base monthly pay, up to $10,000 per month 

To calculate your cost per pay paycheck: Divide annual base pay by 100. Multiply the result by the applicable rate above. Divide by 26 pay periods to determine your contribution per pay period. 

Example: a full-time employee with more than 6 months of service, age 40, with base pay of $30,000.
$30,000 divided by 100 = 300; 300 times $0.352 divided by 26 pay periods = $4.06 per paycheck.

  • If you are an eligible part-time employee and have six months of service, you can purchase the level 2 LTD coverage
  • Residents: you must purchase LTD coverage unless you can provide proof of coverage from another plan within 15 days of your hire date; your coverage will be effective on the first day of the month after 30 days of employment

2017 Employee Contributions for additional optional Long-Term Disability Insurance Coverage 

Long-Term Disability Insurance Contribution for GME Resident House Staff


You are eligible to participate in the LTD plan if you are a regular: 

  • Full-time employee who works at least 35 hours per week or 70 hours per pay period
  • Part-time employee who works at least 24 hours per week or 48 hours per pay period
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St. Louis, Missouri 63108
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