Residency: Salary & Benefits

Resident Salary Structure

July 1, 2008 – June 30, 2009 (a reasonable cost of living increase can be expected for subsequent years):

PGY-1:   $43,919
PGY-2:   $46,066
PGY-3:   $48,188
PGY-4:   $49,685
PGY-5:   $51,622
PGY-6:   $53,245

Vacation

3 weeks of paid leave per year.

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, and all offer vision and prescription benefits:

• 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 related physicians and facilities of 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. In a managed care plan, you must use the services, physicians, and sites as directed by the plan.
• Maryland Point of Service is a managed care plan with an opt-out feature. You receive the highest benefit level when your primary care physician coordinates your care. You also have the freedom to self-refer to any provider you choose, but your out-of-pocket expenses will be higher.

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 administrator of the dental care plan is CareFirst BlueCross BlueShield (CareFirst). This program offers you three levels of coverage depending on whether you see a dentist who is a CareFirst Preferred Dental Network Provider, a CareFirst Provider, or a non-participating provider. 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.

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.

Sick Leave

Residents and fellows are eligible for full-salary continuation for up to 29 days. Sick leave is not accrued. If you are sick or injured and cannot work for more than 29 calendar days, you must apply for short-term disability.

Disability Plans

UMMC provides you with disability insurance coverage through Hartford Life.  You will be approved for benefits 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 32 hours or more per week. The benefit pays 60% of monthly income after short-term benefits and all paid leave have been exhausted. The benefit integrates with Social Security and Worker’s Compensation benefits.

On-Call Rooms, Uniforms and Food

On-call rooms are provided.  Lab coats are supplied, along with laundry services. A variety of restaurants, including a cafeteria where residents receive a discount, are on site. At many of the conferences, lunch or breakfast is provided.

Additional Benefits

• Two-Way Pagers
• Membership in the State Employee Credit Union
• Medical Center Athletic Club (nominal cost)
• Mass Transit Administration (MTA) Commuter Benefit program

More detailed information is included in the packet sent to those invited to interview.

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