Insurance

Health, Life and Long Term Disability Insurance
Provided at no cost to the resident. Medical and dental insurance for beneficiaries is available, at a cost to the resident, through payroll deduction. Life insurance coverage will be according to the institution's policy. During a leave of absence without pay, health insurance may be continued. It is the sole responsibility of the resident to ensure that continuance of coverage is maintained.

Short-Term Disability Insurance
Available with a premium charge to the resident. This coverage allows for 60 percent of the resident's salary up to a maximum of 13 weeks. Workers' compensation insurance coverage is provided by the institution. 

Professional Liability Insurance: Provided at no cost to the resident. This coverage is only for clinical duties performed within the resident program and does not cover moonlighting.

Outside Professional Activities (moonlighting)
These activities are not encouraged and each resident requesting entry shall be evaluated according to the level of progress in the program and their training responsibilities. The decision to allow the resident to engage in outside professional activities rests with the residency training director. It must be understood that professional liability coverage provided by MSM does not cover non-MSM activities.

Leave

Vacation Leave
Includes 15 days compensated leave per training year (from July to June). Leave blocks are designed within the structure of the residency training program.

Sick Leave
Includes 12 days compensated leave per year for illness, injury and medical appointments for the resident or for the care of an immediate family member.

Family and Medical Leave
Includes 18 days of compensated leave for maternity, paternity or adoption leave. Residents who are unable to work because of maternity, paternity, adoption or serious health conditions are eligible for uncompensated leave for a period up to 12 weeks annually according to federal law. However, the program requirements and the specialty board requirements apply to the time needed to make up absences.