Benefits

Summary of House Staff Benefits

Yale-New Haven offers its residents and fellows a comprehensive benefits package. The following is a summary of the various house staff benefits offered at Yale-New Haven Hospital.

Salaries from July 1, 2013 - June 30, 2014

PGY-1$58,500
PGY-2$60,700
PGY-3$63,800
PGY-4$67,000
PGY-5$71,800
PGY-6$73,700
PGY-7$76,100

Vacation
2-4 weeks, at the discretion of the department and its needs.

Professional Leave
Professional leaves are determined at the discretion of the department on an individual basis due to need.

Family/Medical Leave of Absence
It is the policy of Yale-New Haven Hospital to grant a leave of absence to employees who are absent from work due to physical or mental disability, parental needs for newborn or child adoption, or the serious illness of a family member. The hospital is interested in ensuring that parental and family leaves of absence are granted in order to allow an employee personal time to meet family and parental needs. Under this policy, a family/medical leave of absence (FMLA) may be granted for a period up to 16 weeks during a 24-month period for all eligible house staff. Under some circumstances, additional time may be available if more than 12 months have elapsed since the beginning of the last FMLA. The leave may be paid, unpaid, or a combination, and is reserved for purposes of either child adoption, care of a newborn infant, the serious illness of a child, spouse, or parent, parent-in-law, or medical leave of absence for an employee who is absent from work due to a physical or mental illness or disability. It is the intention of the hospital to comply with the Federal Family and Medical Leave Act of 1993, as well as applicable federal or state statutes.

Long Term Disability
The hospital has a disability insurance program that provides individual coverage to a resident/fellow while employed at Yale-New Haven Hospital. This insurance provides salary continuation up to age 65 for eligible house staff once extended sick leave benefits cease. The residents/fellow (policy owners) may continue this policy after leaving Yale-New Haven Hospital. The plan provides total disability, partial disability, future purchase option, indexing, portability, and billing discounts.

Professional Liability
Yale-New Haven Hospital provides its residents and fellows with professional liability insurance coverage for professional activities performed within the scope of hospital-assigned duties. The insurance coverage is provided by Yale-New Haven Hospital while the resident/fellow is functioning within the medical center; however, insurance may be provided by an affiliate hospital if the resident/fellow is on rotation at that hospital. Insurance coverage generally is not provided for personal activities, like moonlighting.

Insurance coverage is provided for the duration of graduate medical training, but may exclude periods during which the resident is assigned exclusively to non-clinical duties, like bench research. The insurance pays for the costs of legal defense, settlements and awards, and will protect the resident against awards from claims reported or filed after the completion of the residency as long as the case involves acts or omissions undertaken within the scope of the residency program.

Employee Assistance Program
Our program combines traditional employee assistance program services, (e.g. confidential counseling) with work/life services for all employees and their dependents throug Value Options. The program offers 6 visits with no copay.

Parking
Secure on-site parking in the Air Rights Garage is provided to house staff at a subsidized rate through payroll deductions.

Financial Benefits Program

  1. Yale-New Haven Federal Credit Union Savings, IRAs, Checking and other services
  2. Bank of America – Free checking with Direct Deposit, Automatic Teller Machines and Preferred Credit, in addition to all other banking needs
  3. Direct deposit into participating banks
  4. U.S. Savings Bonds
  5. Personal Lines of Insurance (auto, homeowners)
  6. Voluntary Life Insurance (self, spouse, children)
  7. Long Term Care Insurance

Flexplan Benefits

Medical insurance is provided to house staff and dependents at no cost to the resident/fellow.

Medical Plan
Yale-New Haven Hospital Advantage Plus Plan offers in and out-of-network options.  In-network expenses are paid at 100% with $25 co-pay for office visits.  Out-of-network expenses are paid at 70% with a $700 (single)/$1200(family) deductible. 

Prescription Coverage Plan

  • Provided through CVS Caremark, country's largest prescription drug administrator
  • Participating pharmacies up to 30 day supply - $6, 20% ($30/$55), 40% ($50/$95) copay
  • Maintenance Choice Program up to 90 day supply - $15, 20% ($60/$110), 40% ($100/$190) copay

Vision Care Coverage

  • Provided through Vision Service Plan (VSP)
  • Eye Exam (every 12 months) - $15 copay.
  • Prescription Glasses: Lenses (every 12 months) - $15 copay, Frames (every 24 months), Contact Lenses (every 12 months) - $155 allowances: Extra Discounts for using VSP doctors

Delta Dental Plan

You will be able to choose dental coverage at an additional charge under one of the following plans.

  • Delta Dental Plus Plan covers 100% of preventative and 80% of restorative services, 50% of major services, 50% orthodontic services after a $50 (single)/$100 (family) deductible.
  • Delta Dental Basic Plan covers 100% of preventative and 80% of restorative services after a $50 (single)/$100 (family) deductible.
  • Dental Coverage elections can be changed only for even plan years (e.g. 2014, 2016)

Other Insurance Benefits

These benefits are provided to house staff at no cost to the resident.

  • Group Life Insurance: Regular full-time resident staff members are covered for $100,000 as of the first day of employment.  This term life insurance has no such value and if you die pays a benefit to your designated beneficiaries.
  • Accidental Death & Dismemberment: The insurance coverage provides up to $100,000 coverage for any accidental death or dismemberment injury.

Flexible Spending Accounts

Each year employees eligible for flexible benefits may elect to have a portion of their salary deducted on a before tax basis, to pay for out of pocket medical expenses, and dependent care expenses. Use of these salary conversion dollars reduces the amount of gross income subject to income taxes and social security. This is a calendar election.

Tax Sheltered Annuity (TSA) 403(b) Plan

  • You may contribute up to $17,000, (the annual IRS limits for 2012) on a before-tax basis
  • Hospital match 1% to 3%; 100% vested after 5 years of service; partial vesting 2 years (25%), 3 years (50%), 4 years (75%)
  • You will be automatically enrolled for a 1% contribution after 60 days of employment
  • Your contributions and investments earnings are tax-sheltered until a distribution is made
  • Choose from several investment fund
  • Personalized quarterly statements mailed to your home; plus online statements are available

Same Gender Marriage or Civil Union Partner
Employees who have entered into a Civil Union or marriage in either CT or VT will be eligible to add their partner to our medical, dental, vision care, and dependent life insurance plans.  Proof of Civil Union must be provided.

Adoption Assistance

Adoption - Reimbursable expenses include legal, court and agency fees plus foreign adoption charges; expenses reimbursed up to $8,000 maximum benefit per child.

Personal Insurance Options
House staff may have the opportunity to purchase homeowner, automobile, boat, condominium and/or personal liability insurance at a discount through payroll deductions.  This program is an individual policy and subject to the guidelines of the insurance carrier.

Additionally, house staff is provided

  • Oncall rooms for every service
  • White lab coats (laundry services not provided)
  • A lounge for house staff with TV, VCR, 24-hour brewed coffee, food provided every night, refrigerator, SCM terminal

Housing
Yale-New Haven Hospital does not provide Housing or subsidy for housing.

Moving Expenses
Yale-New Haven Hospital does not provide moving expenses or subsidy for moving.

Yale-NewHaven Hospitalrequires mandatory drug testing for new employees.  Failure to submit to such testing will disqualify a person from employment.

For additional information about employee benefits, contact the Benefits Office at 203-688-2401

Equal Employment Opportunity, Male/Female/Disabled/Veteran
2012-2013 Benefits Summary
September 17, 2013