Benefits

Catagory

Benefit

Professional Liability Insurance (Malpractice)

Professional liability insurance is provided by the University's insurance program for activities that are required to complete an ACGME-approved program of medical education. The same policy also covers Strong Health moonlighting activities. During rotations to other hospitals, coverage is provided by the affiliated hospital. The coverage form is claims-made and is modified to include "Tail" Coverage.

Health Care Plans

Effective the first day of the month following appointment (typically July 1), or the date of appointment if it falls on the first of the month. Choice of 4 plans that provide hospital, surgical and medical coverage; two of the plans are available in a No Referral Option.

Dental Assistance Plan

Traditional Dental Assistance Plan is available upon appointment (typically July 1). Assists with preventive, as well as basic and major restorative dental expenses. Medallion Dental Plan is offered during Open Enrollment period for coverage effective January 1. This plan provides a higher schedule of benefits; trainees contribute a share of the premium.

Flexible Spending Accounts (FSA)

Allows trainees to put aside money tax-free to cover eligible out-of-pocket medical/dental or dependent care expenses.

University-paid Basic Term Life Insurance

Coverage equal to 150% of annual salary, with minimum of $15,000 ($7,500 if part-time) and maximum of $50,000 ($25,000 if part-time). Paid for by the University.

Group Universal Life (GUL) Insurance

May enroll for GUL coverage of 1 to 6 times annual salary, up to a maximum of $1,000,000 immediately upon appointment. Paid for by the trainee.

Sick Leave Plan for Short-Term Disability

Full salary is continued during sick leave for up to the full period of the one-year appointment or according to the University's schedule under the Sick Leave Plan for Short-Term Disability, whichever provides the greater benefit.

Long-Term Disability (LTD) Plan

When totally disabled for more than six months, guarantees 60% of covered salary up to $60,000 per year. Paid for by the University for full-time trainees. Benefits are provided until normal social security retirement age. Graduating residents are able to convert to an individual polciy, up to $3,000/month, without any medical underwriting.

Supplemental Disability Insurance

URMC residents can apply for a supplmental policy during their program. Coverage can raise coverage beyond 100% of income and defer as much as $9,000/month of guaranteed coverage to protect future earnings. Medical and financial underwriting is required during the initial application process. Coverage can provide lifetime benefits and a selection of options.

Retirement Program

Trainees are immediately eligible to make voluntary tax-deferred contributions to TIAA-CREF and/or Mutual Funds (T. Rowe Price, Vanguard and Fidelity), but are not eligible to receive a University Direct Contribution.

Tuition Benefits for Self

Eligible upon appointment for tuition waiver at the U of R for up to 2 credit courses in each relevant period (e.g., semester or summer).

Tuition Benefits for Spouse

Eligible upon appointment for tuition waiver at the U of R for 1 course in each relevant period at 50%.

Leave of Absence

Trainees may be eligible for Family Medical Leave Act or the University's Leave of Absence program. Detailed information is available in the Resident Manual which is available on the GME web site.

Effect of Leave on Training

Any Leave of Absence, Short-Term Disability or other time off which results in the trainee's failure to meet the minimum requirements for training time set forth by the American Board of Orthopaedic Surgery will result in an extension of the trainee's training program.

Lab Coats

Three lab coats are provided to new trainee at orientation. Three lab coats are provided each year to continuing trainees in January/February.

On-call Meals

Residents are provided with $7 per meal for in-house, overnight call.

Athletic Facilities

All employees of Strong Memorial Hospital are eligible to join the Medical Center's Fitness & Wellness Center, or the Robert B. Goergen Athletic Center on River Campus.

Credit Union

Employment by the University entitles you to become a member of the Advantage Federal Credit Union.

Short Term Loans

The Office for Graduate Medical Education can assist you in securing a short term, interest-free loan of up to $500, as available.

Life Support Training

Strong Memorial Hospital will pay for trainee training in BLS, ACLS, ATLS, NRP, or PALS as deemed necessary by the program.