The Basics



UMMC will pay Resident/Fellow on a biweekly basis.  Salaries are subject to all deductions required by state and federal law and such other deductions as Resident/Fellow may authorize.

Professional Liability Insurance

UMMC will provide professional liability insurance coverage through MMCIP for the authorized activities of the Resident/Fellow under this Agreement.   Coverage details are available from MMCIP’s Office of Risk Management.  The professional liability coverage for the Resident’s/Fellow’s activities provides legal defense and protection against awards from claims or suits reported or filed during and after the completion of the training program, if the alleged acts or omissions of the Resident/Fellow are within the scope of the education program and occurred during the period of the Resident's/Fellow’s employment. This coverage is subject to such requirements, conditions and limitations of MMCIP as may exist from time to time. It also requires cooperation in assisting the Office of Risk Management in the defense of a suit or claim and in providing of notice to MMCIP when aware of a potential or actual suit or claim in which the Resident/Fellow may be involved. Any moonlighting by the Resident/Fellow is not covered through MMCIP.

Resident Stipends
PGY Year Stipend Notes
All PGY levels $500 For conferences, books, or other educational activities is provided by the hospital each year, after you have been here for 6 months.
PGY I - Categorical & Combined $500 For an Ipad. Must be used by the end of your PGY-2 year.
PGY- Categorical & COmbined $1000* This stipend is to attend AAEM.
PGY II- Categorical & Combined $1000* This stipend is to attend CORD. The stipend used for CORD may be used in PGY II, PGY III, or PGY IV - whenever the resident is able to attend, but only for one attendance.
PGY III - Categorical $1000* This stipend is to used for ACEP conference attendance.
PGY III, IV, IV - Combined $1000 Are provided stipends for CORD  and ACEP. $1000 each conference. ACEP is highly encouraged for the senior year.
Chiefs-  Combined   There is not an extra stipend for being Chief. Categorical chiefs are junior faculty-level positions.

*Stipend has been increased to $1200 for West Coast conferences where travel costs are higher. Up to the discretion of the program director.

Conference attendance includes:

  • Travel
  • Hotel (only for room, no amenities included)
  • Taxi
  • Food (Up to $59 per day)

All original receipts must be turned into our finance department on the following form to receive reimburshment.


UMMC General Resident Benefits

UMMC provides benefits to residents and fellows scheduled to work 20 or more hours per week.  Benefits are available on the first day of the resident/fellow’s employment, and costs are either paid by UMMC or shared with the employee as described in the following paragraphs.


UMMC offers three health plan choices and the flexibility to waive coverage if you have insurance elsewhere.  All of the plans are contributory for all levels of coverage.


All of the health care plans offer vision and prescription benefits.


The dental plan is CareFirst Reginal Preferred Dental. Members receive the highest level of coverage when they use a dentist who is a participating CareFirst Regional Preferred Provider.  However, this flexible plan provides out-of-network benefits as well.  Benefits are paid for a variety of services up to a $1,000 maximum per member each plan year.  For some services, there is a plan year deductible of $50 for individuals and $100 per family.  The employee contributes toward the cost of the plan.


Residents and Fellows are eligible for full salary continuation for up to 29 days of disability.  Sick leave is not accrued for residents and fellows.  If you are sick or injured and cannot work for more than 29 calendar days, you must apply for short term disability.


UMMC provides you with disability insurance coverage through Hartford Life.  Benefits are available if you are determined to be disabled as defined by the Plan.

  • The Short Term Disability plan covers benefit-eligible residents and fellows scheduled to work 20 or more hours per week.  You are eligible to receive 100% of your weekly base salary up until the 90th day of disability and 60% thereafter.  Benefits may continue for a maximum of 180 days.  Beyond 180 days, you may be eligible for long term disability.
  • The Long Term Disability plan covers residents and fellows who work at least 36 hours  per week.  The benefit pays 50% of monthly income after short term disability benefits and all paid leave has been exhausted.  The benefit integrates with Social Security and Worker’s Compensation benefits.


UMMC provides a basic life insurance benefit that is equal to 100% of your base salary, up to $50,000.  The carrier is Aetna Insurance Company and the cost of the insurance is paid by UMMC.

Aetna offers supplemental term life insurance to benefit-eligible employees.  You may purchase additional insurance for yourself, your spouse, and dependent children at competitive, age-rated premiums.  Payments are made through the convenience of payroll deductions.  The maximum benefit allowed is five times your annual salary up to $500,000.  You may convert your basic or supplemental group life to an individual policy should you leave UMMC.  This must be done within 31 days of your last day of work.  For additional information, call Aetna at 1-888-238-6266.

UMMC 403(b) PLAN

All employees who receive regular paychecks from UMMC may participate in the Retirement Partnership Program - 403(b) Plan.  This voluntary program allows you to contribute money for long-term savings on a tax-deferred basis.


You have the opportunity to purchase personal automobile, homeowner’s, condominium, and boat owner’s insurance from METPAY at low, group premium rates.  If your application is approved, your premium is paid through the convenience of payroll deduction.  You may call 1-800-438-6381 for more information. 


UMMC offers a Health Care and Dependent Care Flexible Spending Account Program.  FSAs allow you to convert taxable salary dollars into tax-free benefit dollars by paying for eligible health and/or child care expenses with pre-tax dollars.  You may enroll during your first 31 days of employment.  Thereafter, you may only enroll during the Open Enrollment period unless you have a qualifying family status change


Residents and Fellows scheduled to work 64 or more hours per bi-weekly pay period are entitled to 120 hours of vacation leave per contract year.  Balances do not carry forward into the next contract year, and there is no pay-out for unused vacation leave.


This benefit provides additional compensation to employees who contract HIV as a result of an on-the job HIV exposure at UMMC.  It pays a lump sum equal to twice an employee’s annual base salary up to a maximum benefit of $250,000.  The benefit will be paid after the employee has been diagnosed as being HIV positive within six months of an on-the-job HIV exposure at UMMC.  The benefit is paid by UMMC.


If you are a member of the National Guard or the Federal Military Reserve, you are permitted up to two weeks of leave per year for military training.  If your military pay is less than your normal wages, UMMC will pay the difference.  Other military leave will be approved in accordance with applicable federal law.


You and your family may join the State Employee Credit Union (SECU).  A variety of checking, saving, and loan privileges are available to members. 


UMMC offers you the convenience of having your bi-weekly pay directly deposited into your checking account at any financial institution.


You are covered for medical expenses and lost work time due to injury or illness that is job-related.  Also, your survivors are protected in case of your death due to a job-related injury or illness.


The Employee Assistance Program (EAP) is a free, confidential counseling and referral service available to all employees and their family members.  The EAP is staffed by trained mental health professionals, and all EAP services are provided free of charge to employees.  This program is separate from the health plans provided by UMMC.


The MTA Commuter Benefit Program allows employees to order and save money on their monthly MTA pass through the convenience of pre-tax, payroll deductions.  MTA passes can be used for unlimited travel on local buses, the Light Rail or the Metro Subway. 

Additional Services and Policies


Information about physician impairment, including substance abuse, counseling and other support services is contained in the UMMC Physician Impairment and Counseling policy (Policy # GMS-M).  UMMC will provide Resident/Fellow with access to appropriate and confidential counseling, medical and psychological support services. 


UMMC or other assigned sites will provide systems that document the patient's illness and treatment, and are adequate to support the Resident's/Fellow’s education, participation in quality improvement activities, and provide a resource for appropriate scholarly activity.  Resident/Fellow is required to and will complete all medical records accurately, timely and in accordance with the policies and procedures of UMMC and of the respective institutions participating with UMMC in the Graduate Medical Education Program.


UMMC and other sites provide adequate on-site sleeping quarters as needed for the Resident/Fellow when on-call.

UMMC provides a cafeteria and fast food services during regular dining hours.  During off-hours,  fast food services  (Au Bon Pain and Subway) and vending machines located throughout UMMC are available 24 hours/day.  Reimbursement or the use of meal tickets for food when the Resident/Fellow is on-call is at the discretion of the clinical service. 

UMMC will provide adequate uniforms and laundry services for such uniforms for the Resident/Fellow.  No personal laundry service for Resident/Fellow or his/her family will be provided.

UMMC promotes patient safety and resident education through faculty availability and resident duty hour assignments that are developed by each individual service in accordance with UMMC’s Duty Hours Policy #GMS-P. As determined by individual services, the Resident/Fellow will receive reasonable notice of hours of duty, work assignments and on-call schedules.

UMMC promotes a safe working environment through the departmental safety officer program, camera surveillance, and  staff education concerning institutional and personal safety guidelines.


In the event of a residency/fellowship closure or reduction, it will be addressed as set forth in the UMMC Institutional Commitment Policy for Graduate Medical Education (Policy #GMS-B)