UMMC General Resident Benefits
UMMC provides benefits to residents and fellows scheduled to work 20 or more hours per week. Benefits are available on the first day of the resident/fellow’s employment, and costs are either paid by UMMC or shared with the employee as described in the following paragraphs.
HEALTH CARE PLANS
UMMC offers three health plan choices and the flexibility to waive coverage if you have insurance elsewhere. All of the plans are contributory for all levels of coverage.
PRESCRIPTION DRUG AND VISION BENEFITS
All of the health care plans offer vision and prescription benefits.
WAIVER OF COVERAGE
We offer a health plan rebate program for full-time employees who have medical care benefits elsewhere and choose not to participate in one of the UMMC medical care plans.
DENTAL CARE PLAN
The dental plan is CareFirst Reginal Preferred Dental.Members receive the highest level of coverage when they use a dentist who is a participating CareFirst Regional Preferred Provider. However, this flexible plan provides out-of-network benefits as well. Benefits are paid for a variety of services up to a $1,000 maximum per member each plan year. For some services there is a plan year deductible of $50 for individuals and $100 per family. The employee contributes toward the cost of the plan.
PAY DUE TO ABSENCES OR ILLNESSES
Residents and Fellows are eligible for full salary continuation for up to 29 days of disability. Sick leave is not accrued for residents and fellows. If you are sick or injured and cannot work for more than 29 calendar days, you must apply for short term disability.
UMMC provides you with disability insurance coverage through Hartford Life. Benefits are available if you are determined to be disabled as defined by the Plan.
UMMC provides a basic life insurance benefit that is equal to 100% of your base salary, up to $50,000. The carrier is Aetna Insurance Company and the cost of the insurance is paid by UMMC.
Aetna offers supplemental term life insurance to benefit-eligible employees. You may purchase additional insurance for yourself, your spouse, and dependent children at competitive, age-rated premiums. Payments are made through the convenience of payroll deductions. The maximum benefit allowed is five times your annual salary up to $500,000. You may convert your basic or supplemental group life to an individual policy should you leave UMMC. This must be done within 31 days of your last day of work. For additional information, call Aetna at 1-888-238-6266.
UMMC 403(b) PLAN
All employees who receive regular paychecks from UMMC may participate in the Retirement Partnership Program - 403(b) Plan. This voluntary program allows you to contribute money for long-term savings on a tax deferred basis.
AUTOMOBILE & HOMEOWNERS INSURANCE
You have the opportunity to purchase personal automobile, homeowner’s, condominium, and boat owner’s insurance from METPAY at low, group premium rates. If your application is approved, your premium is paid through the convenience of payroll deduction. You may call 1-800-438-6381 for more information.
FLEXIBLE SPENDING ACCOUNTS (FSAs)
UMMC offers a Health Care and Dependent Care Flexible Spending Account Program. FSAs allow you to convert taxable salary dollars into tax-free benefit dollars by paying for eligible health and/or child care expenses with pre-tax dollars. You may enroll during your first 31 days of employment. Thereafter, you may only enroll during the Open Enrollment period unless you have a qualifying family status change
PAID LEAVE BENEFITS
Residents and Fellows scheduled to work 64 or more hours per bi-weekly pay period are entitled to 120 hours of vacation leave per contract year. Balances do not carry forward into the next contract year, and there is no pay-out for unused vacation leave.
This benefit provides additional compensation to employees who contract HIV as a result of an on-the job HIV exposure at UMMC. It pays a lump sum equal to twice an employee’s annual base salary up to a maximum benefit of $250,000. The benefit will be paid after the employee has been diagnosed as being HIV positive within six months of an on-the-job HIV exposure at UMMC. The benefit is paid by UMMC.
MILITARY TRAINING LEAVE
If you are a member of the National Guard or the Federal Military Reserve, you are permitted up to two weeks of leave per year for military training. If your military pay is less than your normal wages, UMMC will pay the difference. Other military leave will be approved in accordance with applicable federal law.
You and your family may join the State Employee Credit Union (SECU). A variety of checking, saving, and loan privileges are available to members.
UMMC offers you the convenience of having your bi-weekly pay directly deposited into your checking account at any financial institution.
You are covered for medical expenses and lost work time due to injury or illness that is job-related. Also, your survivors are protected in case of your death due to a job-related injury or illness.
EMPLOYEE ASSISTANCE PROGRAM
The Employee Assistance Program (EAP) is a free, confidential counseling and referral service available to all employees and their family members. The EAP is staffed by trained mental health professionals, and all EAP services are provided free of charge to employees. This program is separate from the health plans provided by UMMC.
MTA COMMUTER BENEFIT PROGRAM
The MTA Commuter Benefit Program allows employees to order and save money on their monthly MTA pass through the convenience of pre-tax, payroll deductions. MTA passes can be used for unlimited travel on local buses, the Light Rail or the Metro Subway.
Additional Services and Policies
PHYSICIAN IMPAIRMENT COUNSELING
Information about physician impairment, including substance abuse, counseling and other support services is contained in the UMMC Physician Impairment and Counseling policy (Policy # GMS-M). UMMC will provide Resident/Fellow with access to appropriate and confidential counseling, medical and psychological support services.
UMMC or other assigned sites will provide systems that document the patient's illness and treatment, and are adequate to support the Resident's/Fellow’s education, participation in quality improvement activities, and provide a resource for appropriate scholarly activity. Resident/Fellow is required to and will complete all medical records accurately, timely and in accordance with the policies and procedures of UMMC and of the respective institutions participating with UMMC in the Graduate Medical Education Program.
ON-SITE SLEEPING QUARTERS
UMMC and other sites provide adequate on-site sleeping quarters as needed for the Resident/Fellow when on-call.
ON-CALL FOOD SERVICES
UNIFORMS AND LAUNDRY SERVICES
GENERAL CALL SCHEDULE AND SCHEDULE OF ASSIGNMENTS
A SAFE WORKING ENVIRONMENT
RESIDENCY/FELLOWSHIP CLOSURE OR REDUCTION
In the event of a residency/fellowship closure or reduction, it will be addressed as set forth in the UMMC Institutional Commitment Policy for Graduate Medical Education (Policy #GMS-B)