Salary and Benefits


PGY-1: $59,136     PGY-2: $61,354     PGY-3: $64,362

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

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


  • Arranged in accordance with UMMS and individual program policies


  • 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