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.