University of Maryland School of Medicine

Department of Emergency Medicine

University of Maryland School of Medicine Department of Emergency Medicine

Benefits

The Basics

COMPENSATION
 
UMMC will pay Resident/Fellow on a biweekly basis.  Salaries are subject to all deductions required by state and federal law and such other deductions as Resident/Fellow may authorize.

PROFESSIONAL LIABILITY INSURANCE
 
UMMC will provide professional liability insurance coverage through MMCIP for the authorized activities of the Resident/Fellow under this Agreement.   Coverage details are available from MMCIP’s Office of Risk Management.  The professional liability coverage for the Resident’s/Fellow’s activities provides legal defense and protection against awards from claims or suits reported or filed during and after the completion of the training program, if the alleged acts or omissions of the Resident/Fellow are within the scope of the education program and occurred during the period of the Resident's/Fellow’s employment. This coverage is subject to such requirements, conditions and limitations of MMCIP as may exist from time to time. It also requires cooperation in assisting the Office of Risk Management in the defense of a suit or claim and in providing of notice to MMCIP when aware of a potential or actual suit or claim in which the Resident/Fellow may be involved. Any moonlighting by the Resident/Fellow is not covered through MMCIP.

Resident Stipends
PGY Year Stipend Notes
PGY I - Categorical & Combined $1000 This stipend is to attend SAEM.  The stipend used for SAEM may be used in PGY I & PGY II - whenever the resident is able to attend, but only for one attendance.
PGY II- Categorical & Combined $1000 This stepend is to attend AAEM.The stipend used for AAEM may be used in PGY II, PGY III, or PGY IV - whenever the resident is able to attend, but only for one attendance.
PGY III - Categorical $1000 This stipend is to used for conference attendance.
PGY III, IV, IV - Combined $1000 Are provided stipends for SAEM, AAEM, and ACEP. $1000 each conference. ACEP is highly encouraged for the senior year.
Chiefs- Categorical & Combined   There is not an extra stipend for being Chief.
Conference attendance includes:
  • Travel
  • Hotel (only for room, no amenities included)
  • Taxi
  • Food (Up to $59 per day)

All original receipts must be turned into our finance department on the following form to receive reimburshment.

 

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.

  • University Network Quality Care is a triple option plan that allows you to self-refer to any provider.  The provider you select determines your level of coverage.  Option 1 is made up of physicians and facilities affiliated with the University of Maryland Medical System and provides the highest benefit level.
  • Kaiser Permanente is a managed care plan.  For many services, the level of coverage is 100% after a small copayment.  Under a managed care plan, you must use the services, physicians, and sites as directed by the plan.
  • Maryland Preferred Provider is a PPO plan with an in- and out-of-network feature.  You may self-refer to any provider, however, benefits are paid at a higher level when you remain in-network.  The network consists of CareFirst Preferred Providers of Maryland, CareFirst Select Preferred Providers and PHCS Healthy Direction providers

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.

DISABILITY INSURANCE

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.

  • The Short Term Disability plan covers benefit-eligible residents and fellows scheduled to work 20 or more hours per week.  You are eligible to receive 100% of your weekly base salary up until the 90th day of disability and 60% thereafter.  Benefits may continue for a maximum of 180 days.  Beyond 180 days, you may be eligible for long term disability.
  • The Long Term Disability plan covers residents and fellows who work at least 36 hours  per week.  The benefit pays 50% of monthly income after short term disability benefits and all paid leave has been exhausted.  The benefit integrates with Social Security and Worker’s Compensation benefits.

LIFE INSURANCE

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.

HIV BENEFIT

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.

CREDIT UNION

You and your family may join the State Employee Credit Union (SECU).  A variety of checking, saving, and loan privileges are available to members. 

DIRECT DEPOSIT

UMMC offers you the convenience of having your bi-weekly pay directly deposited into your checking account at any financial institution.

WORKER’S COMPENSATION

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. 

MEDICAL RECORDS

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
 
UMMC provides a cafeteria and fast food services during regular dining hours.  During off-hours,  fast food services  (Au Bon Pain and Subway) and vending machines located throughout UMMC are available 24 hours/day.  Reimbursement or the use of meal tickets for food when the Resident/Fellow is on-call is at the discretion of the clinical service. 

UNIFORMS AND LAUNDRY SERVICES
               
UMMC will provide adequate uniforms and laundry services for such uniforms for the Resident/Fellow.  No personal laundry service for Resident/Fellow or his/her family will be provided.

GENERAL CALL SCHEDULE AND SCHEDULE OF ASSIGNMENTS
 
UMMC promotes patient safety and resident education through faculty availability and resident duty hour assignments that are developed by each individual service in accordance with UMMC’s Duty Hours Policy #GMS-P. As determined by individual services, the Resident/Fellow will receive reasonable notice of hours of duty, work assignments and on-call schedules.

A SAFE WORKING ENVIRONMENT
   
UMMC promotes a safe working environment through the departmental safety officer program, camera surveillance, and  staff education concerning institutional and personal safety guidelines.

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)