Benefits

Vacation and Sick Leave

Trainees receive four weeks of vacation per year, which includes time for attendance at scientific or medical meetings. Carryover of unused vacation from one year to the next is generally not permitted. All vacation scheduling must be approved by the Program Director.

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.

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 http://www.urmc.rochester.edu/smd/gme/ResidentManual/index.cfm

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 appropriate board will result in an extension of the trainee's training program.

Medical Care and Insurance

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. There is a choice of four plans that provide hospital, surgical, and medical coverage; two of the plans are available in a No Referral Option.
Long Term Disability (LTD) Plan: When totally disabled for more than six months, this plan guarantees 60% of covered salary up to $15,000 (or $9,000) per year—paid for by the University. Under this LTD Plan, trainee may elect additional coverage, at a cost to the trainee, which would guarantee 60% of full salary per year.
Supplemental Disability Insurance: The Medical Center has entered into an agreement with Provident Life & Accident Insurance to provide individual, non-cancelable (on the part of the insurance company), and guaranteed renewable supplemental disability income to all trainees based on unisex rates and a 30% premium discount. Policy provisions include coverage for total disability, partial disability, and the right to increase coverage without providing evidence of medical insurability. The program is fully portable and is paid for by the trainee.

Life Insurance

Residents and fellows receive University-paid Basic Term Life Insurance coverage t equal to 150% of annual salary up to a maximum amount of coverage for a full-time employee of $50,000. You may supplement the Basic Term Life Insurance by electing Group Universal Life (GUL) Insurance or Optional Term Life Insurance offered through Securian. You may enroll for 1-6 times your annual salary to a maximum of $1,000,000. If you elect either GUL or Optional Term Life for yourself, you are also eligible to elect Optional Term Life Insurance for your spouse/domestic partner and/or dependent children. For additional details see http://www.rochester.edu/working/employment/benefits/life.html

Dental Plans

There are two options available for Strong Memorial Hospital residents and fellows. The Traditional Dental Assistance Plan is available upon appointment. This plan pays 100% of reasonable and customary charges for preventive care. Services may be rendered by any dentist. There may be additional savings if services are rendered by a Blue Shield dentist. For basic and major restorative service, payments are made according to a schedule of benefits, subject to an annual deductible of $50 per individual ($100 per family). The maximum benefit under the plan is $1,000 per calendar year for each covered individual. The University currently pays the total premium. (Blue Shield is the insurer for the Traditional Dental Assistance Plan.)

The Medallion Dental Plan is offered during the open enrollment period held each fall for coverage effective the following January 1. This plan pays 100% of reasonable and customary charges for preventive care. Services may be rendered by any dentist. There may be additional savings if services are rendered by a Blue Shield dentist. In addition to paying 100% of reasonable and customary charges for preventive care, this plan provides a higher schedule of benefits in most instances subject to an annual deductible of $50 per individual ($100 per family), along with coverage for sealants up to age 16, orthodontia up to age 19 after a minimum of one year in the plan (maximum reimbursement of $500 per calendar year and $1,000 per lifetime.) Enrollment in the Medallion Dental Plan must be maintained through the entire course of the orthodontia treatment and implants (not paid for by the Traditional Dental Assistance Plan). The maximum benefit under the plan is $2,000 per calendar year for each covered individual. Residents and fellows pay a share of the premium in addition to the University’s contribution. (Blue Shield is the third-party administrator for the Medallion Dental Plan.)

Professional Liability Insurance (Malpractice)

Professional liability insurance for residents is provided by the University's insurance program for activities that are required by the residency program, except during rotations to Affiliated hospitals, at which time coverage is provided by the Affiliated hospital. Extra shifts worked at Highland or Strong Memorial hospitals are insured under the University's insurance program. There is NO coverage under the University's program for coverage under the University's program for professional activities outside the scope of the residency program nor for moonlighting at non-Strong Health facilities, or while on vacation or disability, under any circumstances. Questions about the scope of professional liability coverage should be directed to your residency program director and if additional assistance is needed to the Office of Counsel for the Medical Center (275-2796).

Retirement Program

Residents may make voluntary tax-deferred contributions to the University of Rochester retirement plan upon appointment, but are not eligible to receive a University Direct Contribution. Maximum contributions are determined by the IRS. The voluntary contributions are deposited in a 403b plan, which can be rolled into an individual IRA when the resident terminates his/her University appointment.

Tuition Benefits

Residents are immediately eligible for tuition waiver for up to 2 credit courses in each relevant period (e.g., semester or summer) at the University of Rochester. Coverage for courses at other colleges and Universities in the area is not provided. Spouses are eligible immediately for a 50% tuition waiver of only one credit course at the University of Rochester per semester or quarter.

Miscellaneous Benefits

Flexible Spending Account (FSA)
Three lab coats provided every year
Use of Medical Center Athletic Facilities and Robert B. Goergen Athletic Center on River Campus
Junior Membership in the American Academy of Neurology
Short-term loans
$500 per year toward medical books or travel to a national meeting
Life Support Training
Voluntary membership in the Federal Credit Union