Benefits for Residents

Professional Liability Coverage

Health Insurance

Housestaff may choose between two coverage options, a Low Option and a High Option, administered by Blue Cross Blue Shield of North Carolina. Your family members can also be covered with the premium being shared by you and your employer. Health insurance benefits, along with the employer contributions and the employee contributions, are reviewed annually and are subject to change. Prescription drug coverage is also provided.  Click here for a list of UNC providers.

If you experience a qualifying event, you may adjust your coverage online at EBenefitsNow.com. Please call the phone number at the bottom of the login screen if you need assistance with your password.

UNC Hospitals' Office of Graduate Medical Education offers all residents and their dependents the opportunity to participate in a voluntary group dental plan. As of July 1, 2009, the two plan options are offered through MetLife. This benefit is entirely funded by the resident. Premium costs are paid either via payroll deduction for Housestaff on the Hospital's payroll or by personal check for those not on the Hospital's payroll.

Plan Summaries for the 2 plans offered and enrollment information for this coverage are included in the Physician Benefit Packets mailed in the spring. If you enroll in a plan during your initial eligibility period, there is no waiting period for any services. If you decide at a later date to enroll, there will be a 12 month "waiting period" for Major Services. The monthly rates for the current year - July 1, 2009 through June 30, 2010 - for the two options are:

High Option
Employee Only $34.74
Employee and Spouse $70.28
Employee and Child(ren) $81.29
Family $97.89

Low Option
Employee Only $21.30
Employee and Spouse $43.09
Employee and Child(ren) $49.84
Family $60.09

Dental Online Enrollment
Links to Dental Plans - Summaries (see last page for dental card)
MetLife Dental Plans Summary Spreadsheets with Highlights Information
Dental Claim Form
Domestic Partner Affidavit
Certificate of coverage for Low Plan - Option 1
Certificate of coverage for High Plan - Option 2

www.metlife.com/mybenefits for links to Preferred Dental Program providers and claim status and coverage information.

UNC Hospitals' – Office of Graduate Medical Education

Basic Life and AD&D Insurance – UNC Hospital PAYS for this benefit
• Benefits equal to 1 times salary

Optional Employee Life & AD&D Insurance
• Choice of an additional 1, 2, 3 or 4x Salary
• Maximum Benefit including Basic Life and AD&D: $625,000
• Guarantee Issue Amount (no Statement of Health form required during initial enrollment period): Additional 1x salary up to a total of $250,000 (Basic and Optional total)

 Optional Dependent Life Insurance

• Spouse/Domestic Partner Benefit: $25,000

Child(ren): $10,000 (each eligible child)

• Dependent Life Insurance is available without a Statement of Health form during initial enrollment period only (new hire)

 Definition of Dependent

• • Spouse
  Domestic Partner - Coverage requires a completed Domestic Partner Affidavit. Please submit the Affidavit along with any required Statement of Health form to OGME.
  • Child(ren) from 14 days of age up to age 19 (to age 25 if wholly dependent upon you for maintenance and support and if enrolled as a full-time student in an accredited school or college)

Additional Benefits
• Will preparation through Hyatt Legal - covers legal fees when using a participating attorney
• Travel Assistance administered by AXA - assistance when more than 100 miles from home
• Accelerated Benefit
• Portable upon termination or retirement

Monthly Cost:  Employee/Spouse Rates

Child(ren): $0.85/month

Beneficiary Changes - Residents may make beneficiary changes by completing the Beneficiary Designation Form and submitting it to the OGME office. 

Click here for Met Life Certificate
Click here for Statement of Health Form
Click here for Domestic Partner Affidavit
Click here for Beneficiary Designation Form
Click here for Will Preparation Brochure
Click here for Travel Assist Brochure

Flexible Spending Accounts

Residents who are paid by UNC Hospitals or UNC School of Dentistry payrolls have the option of enrolling in Flexible Spending Accounts for health care and/or dependent care expenses. The money deposited into a Flexible Benefits Plan account is tax-free, and, therefore, it can only be used to pay for qualifying expenses. At the end of the plan year, if you have not claimed all of the money in your account, you forfeit the balance.

FSA Brochure
FSA Annual Expense Worksheet
FSA Claim Form

This disability insurance plan is intended to offer coverage that will provide you with continuing income in the event that an injury or illness prevents you from working.

• This plan covers 70% of your basic monthly earnings if you suffer from a disabling accident or illness on or off the job.
• The maximum monthly benefit is $3,500; the minimum monthly benefit covered under this plan is $100.
• Your covered salary is based on your stated annual salary.
• Benefit payments will begin after you have been unable to work for 90 days (elimination period) due to disability.
• Until age 65, you will receive benefit payments while you are unable to work in your own occupation.
• You will receive benefit payments until Social Security Normal Retirement Age while you remain disabled.
• This plan includes partial disability benefits. You must be totally disabled through the elimination period and receive one monthly payment for total disability. After the work incentive period, benefits payments are then reduced by 50% of your current monthly earnings.
• This plan includes a work incentive feature. We will not reduce our benefit by your part-time earnings for the first 12 months of partial employment, unless the sum of such earnings and our gross monthly benefit exceeds 100% of your prior earnings. If the total exceeds 100%, we deduct only the excess from our benefit.
• There is a $175,000 Lifetime benefit for Loan Payoff.
• Critical Disability Supplement - An additional 30% of monthly earnings up to $3,000 maximum.
• The cost of this insurance is paid entirely by your employer.

Conversion Option: You may convert your group disability coverage to individual coverage if your full-time employment ends.

Voluntary options are also available. For more information or if you have any questions about this policy please contact The Benefit Planning Group at 919-489-1720 or email info@mybpginc.com.

This summary serves as a highlight of your coverage. If there is a discrepancy between this summary and your benefit booklet, the benefit booklet prevails.

Certificate of Coverage 

Tax Deferred Savings

Residents on the UNC Hospitals payroll may invest in a 403(b) plan and save money from their current paychecks to use later at retirement. These plans are voluntary and residents may enroll at any time. UNC Health Care does not provide matching funds to these accounts.

As of January 1, 2009, TIAA-CREF and Fidelity are the 403(b) vendors available to UNC Health Care residents. Residents may speak to a Fidelity Investments representative at 919-451-3047 or with a TIAA-CREF representative at 919-401-7500.

Residents may open a 403(b) account online with Fidelity Investments by following the instructions below:

• Click here to enter the online enrollment site
• Click the "Enroll" button
• Use Plan ID 08310 and your SSN to begin your application

Residents may open a 403(b) account online with TIAA-CREF by following the instructions below:

• Click here to enter the online enrollment site
• Click the "Enroll Now!" button
• Click the "Enroll Now!" button on the next page
• Use Access Code NCJ786 to begin your application

Once your new account is opened, please submit a 2009 Salary Reduction Agreement to fund your account. Mail or bring the agreement to the GME office or fax to 919-966-0290.

Home and Auto Insurance

METPAY is a personal property insurance program offered through MetLife Auto and Home and is designed for the residents at UNC Hospital. The METPAY program is employee paid and gives you access to special group rates for auto, home, renters, and other types of insurance. With the low group rates and other discounts available, you could save 10% or more of your overall costs each year. This program offers the option convenience of payment through payroll deduction for those who are funded through the Hospitals' payroll.

Policies available through the Office of Graduate Medical Education METPAY program include:

• Auto
• Homeowners
• Renters
• Condominium
• Mobile Home
• Fire
• Recreational Vehicle
• Boat
• Personal Excess Liability ("umbrella")

The METPAY brochure is included in the annual benefits packet you receive in May each year. MetLife sends out additional mailings during the year describing this benefit. You may contact the MetLife Insurance Consultant at any time to obtain quotes, apply for coverage, make changes to your coverage, and report claims.

The Insurance Consultant at MetLife can be contacted by dialing 1-800-GET-MET8 or 1-800-438-6388

Salaries  |  Financial Planner