Salary and Benefits
2013-2014 

PGY-1: $53,300     PGY-2: $55,299     PGY-3: $58,011 

Health Insurance

• Individual or family coverage
• UMass pays 75% of premium
• Choice of HMO's, PPO's, or indemnity insurance

Dental Insurance

• Family coverage for full-time residents and fellows
• UMass pays 100% of premium; higher level of coverage may be elected for monthly premium

Retirement System

• Massachusetts deducts 9% of salary instead of Social Security (FICA)
• An additional 2% is deducted from earnings over $30,000 per year
• State retirement savings are refundable when residents leave state service

Paid time off

• 3 weeks Vacation time
• 3 weeks Sick time
• 3 days Personal time

Leave of Absences

• Maternity
• Family
• Adoption

Sick Leave Bank

• Optional participation
• Provides financial support during extended medical leave

Term Life Insurance

• $5,000 coverage included with health insurance coverage
• Option to purchase additional coverage

Long Term Disability Insurance

• Portable LTD plan offered free of charge
• Option to purchase additional LTD

Pre-tax spending accounts

• Estimate your dependent care or health care expenses for the year and deduct this amount from your paycheck pretax

403 B & 457 B Tax Sheltered

• Annuity Programs
• Four companies to choose from

Discounted Auto and Home Insurance

• Available through Metpay
• Premiums deducted from paycheck

Tuition Benefits

• Trainee, spouse and children may receive up to full tuition remission or waiver at Massachusetts State colleges and universities

Child Care

• Two child care facilities with highly trained professional staff for infants to young school age
• Information and referrals
• Child care cost subsidization

Snow Camp

• Child care available if schools closed due to inclement weather

Employment Assistance

• UMass Jobs/UMass Memorial Jobs for spouses and significant others

Meals when on-call

• Meal tickets provided for overnight on-call

White Coats and Scrubs

• Free lab coats and scrubs
• Number of coats determined by length of program

Malpractice Insurance

• Occurrence coverage through self-insured trust

Moonlighting

• Arranged in accordance with UMMS and individual program policies

Counseling

• Confidential, subsidized access to quality mental health services designed to help residents cope with the rigors of the training process

Financial Assistance

• Interest-free emergency loans available

Debt Management

• Free seminars and informal assistance
• Student loan deferment certification

UMass Continuing Education

• Free tuition for all UMASS CME courses

Practice Management Training and Job Placement Assistance

• The OGME hosts hospital and department-wide conferences on topics related to identification, evaluation and negotiation of employment opportunities
• Individual assistance to residents as needed

UMass Fitness Center

• On-campus health and fitness center

Employee discount programs

• Information and discounts

Cultural/Recreational Activities

• Information/discounts
• Orientation and ongoing social events for residents and their families