Long-Term Disability Coverage (Required)
- The plan will provide a benefit of up to 60% of monthly earnings if, because of disability, a resident/fellow is unable to perform the duties normally associated with the program.
- Benefits begin after the resident/fellow has been unable to work for 90 continuous days and may continue until he or she is age 65 or is no longer disabled.
- There is no biweekly premium for the resident/fellow.
- Coverage begins on the first day of the month after three months of employment.
- Pre-existing conditions have coverage limitations.
- Enrollment is automatic. No action is required.
Short-Term Disability Coverage (Required)
- The plan provides a benefit of 50% of biweekly earnings if a resident/fellow is unable to work due to a non-work related injury or illness for a period of time that is expected to last more than fourteen (14) days.
- Short-term disability benefits will not be paid during the 14-day waiting period. This time is covered using available paid time (GME medical leave, GME sick days, GME vacation). If the Short-term disability (STD) claim is approved, residents/fellows are required to exhaust GME medical leave and five sick days in that order before STD payments begin.
- There is no bi-weekly premium for the resident/fellow.
- Coverage begins after the fourteen-day waiting period or after your sick and medical paid time is exhausted, whichever comes first.
- Enrollment is automatic. No action is required.
- Residents/Fellows have the option of purchasing supplemental Voluntary Short-term Disability Resident/Fellow pays the full cost. During your initial enrollment period only, evidence of insurability may be required.