This page provides resident benefits information for potential
applicants to UNC Hospitals' Residency Training Programs. If you are
already a resident at UNC,
here to visit our
SharePoint site (which contains more detailed information about
enrollment and forms to modify your benefits package).
This information is accurate for the 2013-2014 Academic
As members of
UNC Hospitals' Housestaff, you are covered for professional
liability while performing approved residency activities,
including off-site rotations. Moonlighting is excluded from coverage.
Professional liability coverage is provided to residents as a benefit
of employment as outlined in this
. Coverage is provided on an occurrence basis. This
means that a resident is covered for anything that occurs within the
course and scope of his or her employment as a resident, even if a
claim or a lawsuit is brought for that occurrence after the resident
has left the Hospitals' employment. Coverage is triggered by an
occurrence rather than a claim. Professional liability coverage is
provided by the UNC Liability Insurance Trust Fund which is
administered by the Legal Department of UNC Hospitals.
choose between two coverage options, a Core Plan
and a Buy-up Plan
administered by Blue Cross Blue Shield of North Carolina. Each plan is
designed to offer richer benefits if UNC Providers and Facilities are
utilized. 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.
experience a qualifying event, you may adjust your coverage online at
rates apply to Residents on the Department Payroll, whereas Bi-monthly
Premium rates apply to Residents on the Hospital Payroll. The employee
contributions for the current year - July 1, 2013 through June 30, 2014
- for the two plans are:
Option - Bimonthly
Option - Monthly
|Buy-up Option - Bimonthly
Office of Graduate Medical Education offers all residents and their
dependents the opportunity to participate in a voluntary group dental
plan. Two (2) plan options are offered through MetLife. This benefit is
entirely funded by the resident. Premium costs are paid either via
payroll deduction on a pre-tax basis for Housestaff on the Hospital's
payroll or by personal check for those not on the Hospital's payroll.
includes summaries of both plans offered.
rates for the plan year - July 1, 2013 through June 30, 2014 - for the
two plans are:
Low Option - Bimonthly
|Low Option - Monthly
|High Option - Bimonthly
|High Option - Monthly
links to Preferred Dental Program (PDP) providers, claim status and
coverage information. Company Name to enter: Office of Graduate Medical
Education or OGME or P & A.
Life & AD&D
on all Life and AD&D insurance packages available to residents, as
well as instructions about Open Enrollment. Enrollment information is
included online at EBenefitsNow.com
. Summaries of
the plans are available below.
Life and AD&D Insurance – UNC Hospital PAYS for this
- Benefits equal to 1 times salary
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)
- Enrollment information included in the Physician Benefit Packets
mailed each spring. Additional amounts of coverage may be added during
the Annual Open Enrollment Period each spring. Statement of Health is
Dependent Life Insurance
- Spouse/Domestic Partner Benefit (requires a completed Domestic
Partner Affidavit): $25,000
- Child(ren): $10,000 (each eligible child from 14 days up to age
- Dependent Life Insurance is available without a Statement of Health
form during initial enrollment period only (new hire)
Additional Benefits Included in Coverage
• 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
Cost: Employee/Spouse Rates
are paid by UNC Hospitals payroll have the option of enrolling in
Flexible Spending Accounts for health care and/or dependent care
expenses. If you are not paid by the hospital, you will not be eligible
to participate in the FSA plan.
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. Please read this letter
the options for Flexible Spending Accounts offered through Blue Cross
Blue Shield, and this
which provides account
details. Disregard the reference to a debit card, as this
option is not included in the resident benefits package.
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.
Option: You may convert your group disability coverage to individual
coverage if your full-time employment ends.
information or if you have any questions about this policy please
contact The Benefit Planning Group at 919-489-1720 or email email@example.com
serves as a highlight of your coverage. If there is a discrepancy
between this summary and your benefit booklet, the benefit booklet
In addition to the coverage provided
above, voluntary options are also available. For more information,
you may contact either of the following providers:
Office of Graduate Medical Education (OGME) offers residents and
subspecialty residents the opportunity to enroll in a Voluntary Legal
Plan offered by Hyatt Legal, a MetLife company. This
provides an overview of the plan and summary of benefits
This is a full
service legal plan, not a discount program. Covered services include
important matters such as Wills & Trusts, Sale or Purchase of a
home and other Real Estate Matters, Financial Matters, Traffic
Offenses, Juvenile Matters, Identity Theft Defense, Debt Collection
Defense, and much more.
- All legal services delivered by plan attorneys
- Direct payment of Plan Attorney fees by MetLaw for all covered
- No waiting periods, hour limits, page limits, claim forms, or
co-pays for plan attorneys' covered services
- No pre-existing limitations unless an attorney has already been
- Out-of-network attorneys coverage. MetLaw provides a fee
- Great Customer service - Representatives answer the phone within 5
seconds during business hours
- A full service web site with an easy "Attorney Locator Search
Engine" and many helpful resources
- An open enrollment period held once a year to coincide with annual
benefit open enrollment period in late spring
- The plan is Portable at Group Rates
information is included in the Physician Benefit Packets mailed each
spring. The minimum enrollment period is one year. Re-enrollment is not
required each year. Monthly rate - $15.75 per month. Premiums are paid
by the participant via payroll deduction. Rates are guaranteed through
June 30, 2014. Cost covers Employee, Spouse/Domestic Partner and
access complete information about the Legal Plan, go to www.legalplans.com
, click on
"Thinking About Enrolling?" and enter Password: MetLaw
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
403(b) vendors available to UNC Health Care residents.
Home and Auto
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 optional convenience of payment through payroll
deduction for those who are funded through the Hospitals'
Policies available through the Office of
Graduate Medical Education METPAY program include:
- Mobile Home
- Recreational Vehicle
- Personal Excess Liability ("umbrella")
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