Stipends and Benefits

Compensation

The UPMC Education Program Board of Trustees has approved the following salaries for Graduate Medical Trainees at Children's Hospital of Pittsburgh of UPMC, Magee-Womens Hospital of UPMC, UPMC Mercy, UPMC Presbyterian, UPMC Shadyside, and VA Pittsburgh Healthcare System effective July 1, 2011 through June 30, 2012:

2011-2012
Level	Annual Gross Salary
GMT Level I	$47,673.80
GMT Level II	$48,943.20
GMT Level III	$49,899.20
GMT Level IV	$51,001.60

Trainees designated as "chief residents" may have their salaries augmented slightly for extra services rendered.

Benefits

UPMC Graduate Medical Education-Residents and Fellows

January 2011 SUMMARY OF BENEFITS

UPMC GME Residents and Fellows – Full-Time

		Effective 1/1/2011 through 12/31/2011
	Open	November for a January effective date
	Enrollment
	Medical and	UPMC Advantage HMO – Premium paid for by UPMC, no cost to the physician
	Medical and	UPMC Open Access PPO – UPMC and the physician share the premium cost
	prescription
	prescription
	coverage	All employees should complete the My Health requirements, which reduces
	(Election paid for by
	physician and UPMC)	the deductible by $500 per individual/$1,000 per family.
		the deductible by $500 per individual/$1,000 per family.
	Dental coverage	United Concordia and UPMC Dental will offer both a Premium PPO or a Standard
	Dental coverage	PPO. Premium for Standard PPO (individual coverage) is paid for by UPMC, all other
	(Election paid for by
	physician and UPMC)	coverage levels have UPMC and the physician sharing the premium cost.

	Vision coverage	If medical coverage is elected, basic vision coverage will be provided at no
	(Election paid for by	additional cost. An enhanced vision benefit is available for an increased cost and
	physician and UPMC)
	physician and UPMC)	can be selected along with the medical coverage or for those not purchasing

		medical, a stand alone vision benefit is also offered.
	Health Care FSA		$5,000 annual employee maximum
	(Election paid for by	Effective for 01/01/2011, Over the Counter Medications (OTC’s) will no longer be eligible for
	physician)
	physician)		reimbursement without a prescription.
			reimbursement without a prescription.

	Dependent Care
	FSA (Election paid		$5,000 annual family maximum
	for by physician)
	Life Insurance	Group-term life insurance coverage of 1X times the UPMC base salary.
	and Accidental
	Death &	Group-term AD&D insurance coverage of 1X times the UPMC base salary.
	Dismemberment	Make sure that you designate your beneficiary through My HUB
	(Employer provided at no
	cost to physician)
	cost to physician)

	Optional Group	Supplemental term life insurance may be purchased up to a maximum of 5X times
	Life Insurance	UPMC base salary to $1,000,000.
	(Election paid by	Guarantee issue (upon first becoming eligible) is 3X times UPMC base salary.
	physician)
	physician)

	Optional AD&D	May be purchased in increments up to a maximum of $1 million.
	coverage
	(Election paid by
	physician)

	Dependent	Supplemental term life may be purchased:
	Group	 Spouse: $10,000 increments up to $100,000. Guarantee issue (upon first
	Life/AD&D		becoming eligible) is $30,000.
	Insurance		Dependent: may choose a coverage level of $5,000 or $10,000 per
	(Election paid by		dependent
	physician)		dependent
	physician)	Supplemental AD& D insurance may be purchased:
		Supplemental AD& D insurance may be purchased:
		 Spouse: up to a maximum of $500,000.
		 Dependent: available in the amount of $10,000.

	Salary	Defined as the first 26 weeks of disability. 100% coverage of UPMC base salary for
	Continuation	up to 26 weeks.
	(Employer provided at
	no cost to physician)
	Long-term	Employer-paid coverage of 60% of the UPMC base salary through age 65. The
	Disability	elimination period is 26 weeks.
	(Employer provided at
	no cost to physician)
	Tuition	Residents or fellows who are candidates for a graduate degree, or approved
	Tuition	certificate program or academic courses for credit, at University of Pittsburgh or
	Reimbursement
	Reimbursement	Carnegie-Mellon University (CMU) as a required part of their UPMCMEP-approved
	(Paid for by physician
	(Paid for by physician	graduate medical training program may be eligible for non-taxable qualified
	and UPMC)
		scholarship monies as per the Qualified Scholarship Policy. Please refer to the
		UPMCMEP Qualified Scholarship Policy for complete details.
		For all others, the UPMC tuition assistance benefit is available up to a maximum of
		$3,500 per academic year. The benefit also provides a tuition assistance at the
		University of Pittsburgh for dependent children and spouses for first baccalaureate
		degree only at 50% up to $5,000 maximum/year for dependent children (must be
		full-time student) and up to $2,000 maximum/year for spouse (full or part-time
		student). Please refer to the UPMC Tuition policy for complete details.
		Note: The awarding of scholarship funds under the Qualified Scholarship
		Policy prohibits employees from seeking reimbursement for remaining
		balances under the UPMC Tuition Policy.
	Adoption	Reimbursement of qualified adoption expenses of up to $2,000.
	Assistance	(Reference Adoption Assistance Program Policy HS-HR0728 for details.)

		Effective 1/1/2011 through 12/31/2011
	Retirement	Employer Match, 403(b) Plan
	Plan	Employer Match, 403(b) Plan
	Plan	 50% match on up to 4% of deferral of salary
		 50% match on up to 4% of deferral of salary
		 Can contribute at date of hire
		 Eligible for match beginning the January 1 or July 1 after age 21 & paid 1,000 hours
		 3-year vesting period for matching contribution.
		 Pre-tax employee contribution limit for 2011 is up to $16,500. $22,000 if age 50 or older
			by 12/31/11. This amount must be aggregated if more than one employer.
			After-tax contributions permitted.
		 For 2011, Participants will be eligible to receive matching contributions under the Plan
			until the IRS limit of $245,000 worth of pension eligible earnings has been reached.
		 Investment options: Vanguard Prime Institutional; Vanguard Short-Term U.S. Treasury
			Fund; Vanguard Total Bond Market Index Fund; PIMCO Total Return Fund; Vanguard
			Wellington Fund; Vanguard Institutional Index; Vanguard Windsor II Fund; AmFunds
			Growth Fund of America; Artisan Mid Cap Fund; Lord Abbett Small Cap Value Fund;
			Artisan Mid Cap Value Fund; DFA International Value Fund; Vanguard Target Retirement;
			Vanguard Target Retirement 2010; Vanguard Target Retirement 2015; Vanguard Target
			Retirement 2020; Vanguard Target Retirement 2025; Vanguard Target Retirement 2030;
			Vanguard Target Retirement 2035; Vanguard Target Retirement 2040; Vanguard Target
			Retirement 2045; Vanguard Target Retirement 2050.

	UPMC Voluntary Benefits:			Representatives are available to provide enrollment
	•	Allstate Critical Illness Insurance		assistance and additional information for the
		Allstate Critical Illness Insurance		voluntary plans listed.
	• AFLAC Personal Accident Expense Plan			voluntary plans listed.
	• AFLAC Personal Accident Expense Plan			Call UPMC DirectLink at
	•	ARAG Legal Services		Call UPMC DirectLink at
	•	ARAG Legal Services		1-800-994-2752, option # 5
	•	ING Universal Life Insurance		1-800-994-2752, option # 5
	•	ING Universal Life Insurance

	•	Hurley Associates Voluntary Income Protection Program		Representatives are available to provide additional
		Hurley Associates Voluntary Income Protection Program		assistance on the plans available.
				assistance on the plans available.
				Call Hurley Associates directly at 412-682-6100
	Note:		This summary is only intended as a general overview. If this summary inadvertently disagrees with the policies or
			official contracts that govern the institutional plan, the policies and official contracts are followed to determine your
			benefits.
			UPMC benefits are subject to UPMC policies and may be modified by UPP/UPMC-HS.
	Revised 11/30/10

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