SECTION 3: SUMMARY OF BENEFITS
Each resident attends a comprehensive administrative orientation session at the beginning of the training program. A portion of this orientation session is devoted to reviewing all elements of the benefits package and to answering any questions about these benefits. The benefits package is also summarized on Emory’s Human Resources website at the following address http://emory.hr.emory.edu/rtpbenplans.nsf
The Residency Training program provides each eligible resident, at no cost, the following group benefit plans:
- Health Care Coverage
- Term Life Insurance
- Dependent Term Life Insurance
- Long Term Disability Insurance
- Accidental Death and Dismemberment Insurance
Group Dental and Emory Vision Care Plans are available at a minimal cost.
Each resident may also enroll his/her eligible dependents for health, dental and vision coverage, with the cost paid by deductions from the resident's stipend.
3.01 Life Insurance
The Residency Training program provides each eligible resident: · $50,000 Term Life Insurance · $50,000 Accidental Death and Dismemberment Insurance · $25,000 Term Life Insurance for spouses · $ 5,000 Term Life Insurance for eligible children
3.02 Health Care
Three health care options are provided to residents. EmoryCare is a preferred provider program, which offers a network of primary care physicians and specialists and many hospitals. Use of network providers offers the lowest out-of-pocket expenses. EmoryCare also gives each resident the flexibility to use providers outside of the EmoryCare network at higher out-of-pocket expenses.
Residents can also enroll in EmoryChoice, which is an HMO. EmoryChoice offers residents a core network of primary and specialty care providers. The Aetna US HealthCare national network can also be used at a higher co-pay. If the core EmoryChoice or the Aetna US HealthCare national networks are not used there are no benefits except for emergency or urgent care.
HealthChoice is a Preferred Provider Organization (PPO) that offers the flexibility to use in-network and out-of-network providers.
House staff with family coverage can elect to pay the premiums for their family's coverage on a before-tax or after tax basis. Pre-existing conditions are covered under both options.
Dental Plan
The Emory University Residency Training program offers residents a choice of two dental plans. Details regarding these plans will be reviewed during orientation.
Premiums for the dental plans may be paid by the resident on a before-tax or after-tax basis. Residents must remain in the Dental Plan for one year.
3.03 Flexible Spending Accounts
These accounts are established to enable residents to accumulate money on a before-tax basis to pay eligible out-of-pocket health/dental and dependent care expenses. There are annual minimum and maximum contribution amounts. Flexible spending account details are available during orientation.
3.04 Auto/Homeowners/Renters Insurance
Emory University offers stipend deductions to residents for auto/homeowners and renters insurance through MetPay (Metropolitan Property and Casualty Insurance). The premiums are discounted, and the resident pays the entire cost.
3.05 Long-term Disability Insurance
Eligible residents unable to perform in their program due to a qualifying disability may qualify for long-term disability benefits through the long-term disability insurance coverage. These benefits will be provided to eligible residents in an amount equal to 60% of the resident's stipend, up to a maximum of $5,000 per month. There is a ninety-day waiting period before otherwise eligible residents may receive coverage and payments.
3.06 Retirement Plan
Each resident may contribute to Emory University's retirement plan upon his/her date of entry into the residency training program. Contributions can be on a before-tax basis, and may be designated for investment in either TIAA/CREF, or in mutual funds offered by The Vanguard Group or Fidelity Investments. Matching contributions are not provided by Emory University to residents.
3.07 Old Age Survivor Disability Insurance (OASDI) and Medicare Participation
Participation in Medicare and the OASDI are conditions of participation in the residency training program for all residents. Emory University contributes an amount equal to 7.65% of each stipend for coverage, while the resident contributes an equal amount through automatic stipend deduction. In addition to retirement benefits, this program provides survivor and disability benefits.
3.08 Parking
The Office of Graduate Medical Education (OGME) pays a monthly fee for each resident to receive parking privileges at Emory University facilities. Although OGME pays the monthly parking fee, each resident must pay the initial cost of obtaining a parking/security card at Grady Memorial Hospital. Parking at the VA Medical Center is free but requires the resident to obtain a parking permit. This permit is obtained free of charge from the chief of service. Parking privileges for Children's Healthcare of Atlanta at Egleston are reserved for those in one of the pediatric training programs. The resident is required to go to the parking office at Egleston to complete the requisite paperwork. Crawford Long Hospital uses the EmoryCard photo ID card to access the parking lots. The EmoryCard should be presented to the security office at Crawford Long Hospital to receive parking privileges.
3.09 Additional Benefits Provided to Residents Include
- Direct Deposit of stipend checks
- Library privileges
- Membership in the Emory Federal Credit Union (located in the lobby of the Dobbs University Center)
- Benefits for same sex domestic partners
- Woodruff Physical Education Center privileges
- Use of call rooms at each hospital (the Program Director will provide further information regarding call rooms during department/program orientation)
- Lab coats/scrubs [residents only]
- Meals at hospitals during night and weekend rotations
Residents with questions about any aspect of the Group Benefit Plans should call the Benefits Office of the Human Resources Division at 404.727.7613. The main office of the Human Resources Division is located at 1762 Clifton Road.
(GME) Office of Graduate Medical Education