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Resident/Fellows Benefits

The following benefits apply to benefits eligible Resident/Fellows.

Medical/Prescription Insurance

Resident/Fellows are eligible for one D-H medical plan — the $0 Deductible PPO Plan. Following is an overview of the coverage provided by the $0 Deductible PPO Plan.


The 2015 LiveWell Benefits program provides Resident/Fellows with STD coverage equal to 100% of base salary for up to 90 days. This benefit begins immediately following The Hartford's determination of disability.

Long-Term Disability (LTD) Insurance

The 2015 LiveWell Benefits program provides Resident/Fellows with basic LTD coverage equal to 80% of base salary, to a maximum benefit of $3,750 per month. The Hartford determines eligibility and medical necessity for LTD. If approved, LTD payments begin immediately following the date STD payments end.

Life Insurance Benefits*

The 2015 LiveWell Benefits program provides Resident/Fellows with the following Life and AD&D insurance at no cost.

Resident/Fellows Basic Life Insurance

  • 1x salary to a maximum of $100,000 Resident/Fellows Accidental Death and Dismemberment (AD&D) Insurance
  • 1x salary to a maximum of $100,000 Flexible Spending Accounts

As a Resident/Fellow you may be eligible for our Health Care Reimbursement Account (HCRA) and Dependent Care Reimbursement Account (DCRA) accounts.

Dartmouth-Hitchcock Employee Investment Plan — 403(b) Plan

Resident/Fellows are eligible to participate in the Dartmouth-Hitchcock Employee Investment Plan – the 403(b) Plan. You may save up to 100% of your income per year, subject to IRS maximums**, through:

  • 403(b) Pre-tax contributions,
  • 403(b) Roth After-tax contributions, or
  • A combination of both types of savings.

If you are age 50 or older in 2014, you may also make "catch-up contributions," subject to IRS annual maximums**. Resident/Fellows are not eligible for benefits from the Dartmouth-Hitchcock Retirement Plan 401(a) Plan.

* Resident/Fellows Basic Life and AD&D insurance coverage reduces by 50% at age 70.
** In 2015, the IRS contribution limit is $18,000 for employees under age 50. Employees age 50 or older during the year may save up to an additional $6,000 in "catch-up" contributions. The 2015 limits will be posted on the myBenefits portal at www.MyDHBenefits.com when they become available.