Benefits

Health Benefits

Group Health Coverage
You are eligible to participate in programs which provide medical, dental and vision care. You may elect each benefit option independently, and dependent coverage is available. While your employer pays for most of the cost of this coverage, you are required to contribute a portion of the cost of coverage elected on a bi-weekly pre-tax basis.

Voluntary Short-Term Disability Coverage
You may elect voluntary short-term disability coverage. This coverage can provide benefit payments of up to 60% of your salary to a maximum of $2,000 per week. For certified disabilities, benefits typically begin on the 15th day of illness or injury and may be paid for up to 11 weeks.

Long Term Disability Coverage
Your employer pays the premium for group long-term disability coverage. This policy will provide a benefit of up to 60% of total cash compensation (salary plus bonus), up to $15,000 monthly maximum benefit, if you are disabled (typically that you are unable to perform the essential duties of your own occupation) after a 90-day elimination period. Benefits are reduced by certain income provided by your employer or other sources (i.e., workers’ compensation, social security, etc.).

Life/Accidental Death & Dismemberment Coverage
Your employer pays the premium for group term life insurance coverage at the multiple of your annual salary as specified below:

Business Travel Accident Coverage
In the event of your accidental death while on your employer’s business, this coverage will provide your beneficiary(ies) with a multiple of your annual earnings. Dismemberment and paralysis benefits are also included

* Eligibility for participation in Welfare Benefits (Insurances above) is defined by the specific Plan documents. Typically, employees must be regularly scheduled to work 20 or more hours per week to be eligible for any coverage. The effective date of coverage is the first of the month, following one full month of employment.

Medical and Child Care Flexible Spending Accounts (FSAs)
You may defer up to $2,550 in pre-tax dollars to a flexible spending account (“FSA”) which may be used for unreimbursed Internal Revenue Service (IRS) approved health care expenses incurred during a calendar year. Employees may also elect to defer up to $5,000 in pre-tax dollars into a FSA which may be used for IRS approved dependent child care and, in certain circumstances, adult day care.

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Holiday and Sick Leave

Holidays
Immediately upon employment, you are eligible for the following paid holidays in addition to the accrued PTO; however given the nature of medicine, you may be required to cover call on holidays based upon a rotational schedule. Compensatory PTO is not offered for worked holidays.

• New Year’s Day
• Labor Day
• Memorial Day
• Thanksgiving Day
• Independence Day
• Christmas Day

Sick Leave
One sick leave day per calendar month is earned (12 days or 96 hours per year) until 480 hours have been earned. Unused sick leave may be carried over for use in a later year. If you fall below 480 hours, you may earn sick pay again until you are back at 480 hours. Borrowing against future sick leave for taking paid sick days (i.e., a negative balance) is not permitted. Sick leave is only to be used during employment and may not be cashed out.

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Amenities and Other Benefits

Dues and Subscriptions	This should be used towards AAFP membership, Up-to Date subscription, Questions Banks, books. $1,500- Per PGY
Uniform	We provide 2 new lab coats per year
Meals	The Hospital provides Breakfast and Lunch for free. Sandwiches and snacks are always available in the physicians lounge.
Moving Relocation	2,500 (To be reimbursed)
Parking	It’s free in Victoria!
Wellness	Membership to DeTar Health Center: Free for Employee, does not extend to spouse/partner.
AAFP Board Exam Dues	Reimbursed.
Cell Phone	DeTar provides an On-call cell phone.
Email and Library Access	Access to A&M library is provided, along with an A&M E-mail. (Which has perks!)
Computer	Each Resident is given a laptop for use during residency.