Trainee Benefits/Agreement

Physician-in-Training Agreements

Benefits

ACGME Resident & Fellow Benefits 

Subject to appointment and verification of eligibility, City of Hope offers the ACGME resident or fellow, along with their eligible dependents, the Trainee and Affiliate Benefit Program. Details of coverage, co-payments, and options are provided in your orientation packet, in the Trainee Appointment letter, and on the website www.garnett-powers.com/coh.  


An overview of this comprehensive health program is comprised of several plans offered through nationally recognized insurance carriers. These plans are: 
  • Aetna Medical HMO or POS
  • Kaiser Medical HMO
  • Aetna Dental DHMO and Aetna Dental DPPO
  • Voluntary EyeMed Vision PPO
  • Standard Life/AD&D Insurance
  • Standard Short-Term Disability Insurance
  • Standard Long-Term Disability Insurance
 

Retirement Plan

 
Optional 403(b) retirement plan is available if Trainee elects to contribute (this benefit is voluntary). The 403(b) Tax Deferred Annuity Plan allows you to set aside money from your pay to save for retirement. Your deferrals are taken on a pre-tax basis, so you do not pay taxes on the money or any earnings until you take a distribution from the plan. This lowers your current taxes. 
 
The Plan is administered by Fidelity. There are a variety of investment options from which to choose to build your own portfolio, or you can decide to invest in a Lifecycle Fund appropriate for your expected retirement year. You have online access to your account 24/7 through the Fidelity/City of Hope website (Fidelity At Work) you can speak with a representative during business hours (800-343-0860). You may also arrange to meet with a Fidelity counselor in person at no cost to you to discuss your retirement needs. 
 
You may defer up to the government limits each year. You can start, stop or change your contribution amounts at any pay period by submitting a new Salary Reduction form. Loans and hardship withdrawals are available in this plan. To enroll, first go to the Fidelity website and open an account. Then print off a Salary Reduction form, sign it, and return it to Benefits and Employee Services. 
 

Supplemental Term Life Insurance

 
Additional term life insurance may be purchased by Trainee and dependents (this benefit is voluntary). 
 

Non-ACGME Fellow Benefits 

The Medical Group’s benefit plans are designed to support the physical, emotional, and financial health and well-being of our diverse workforce and provide comprehensive, cost-effective options. Benefits are offered to employees and their eligible dependents (spouse/domestic partner and children up to age 26). Benefits become effective the first of the month following date of hire (unless hired on the first of the month, in which case benefits are effective immediately). The exceptions are for Basic Life Insurance, Basic Accident Death and Dismemberment Insurance, Short Term Disability Insurance, the Employee Assistance Program and the Back-up Care Advantage Program® all of which are effective immediately upon employment. 

An overview of this comprehensive health program is comprised of several plans offered through nationally recognized insurance carriers. These plans are: 

• Kaiser HMO Plan 

• Anthem Blue Cross PPO Plan 

• Unum Dental (PPO) 

• Vision Service Plan (VSP) 

• 401(k) Retirement Savings Plan 

• Flexible Spending Accounts 

• Met Life GVUL Life Insurance/AD&D Plan 

• Voluntary Life Insurance 

• Short Term Disability 

• Long-Term Disability