Resident and Fellow Benefits

The following benefits apply to benefits-eligible Residents and Fellows.

Medical and prescription insurance

Residents and fellows are eligible for one Dartmouth-Hitchcock (D-H) medical plan — the $0 Deductible PPO Plan. Following is an overview of the coverage provided by the $0 Deductible PPO Plan. Coverage begins on your start date, which is the first day of orientation.

Dental insurance

Coverage is provided by Northeast Delta Dental. There are 2 levels, basic and enhanced. Preventive care is covered at 100% for both levels. Coverage begins on your start date, which is the first day of orientation.

Vision insurance

D-H offers vision coverage for eyewear through DeltaVision. You can search for in-network providers at eyemedvisioncare.com. Click on “Find a Provider” and choose “Access” from the “Choose Network” drop-down menu. Our medical plan continues to cover your annual routine eye exam under preventive services and the DeltaVision plan can be used toward your frames and lenses.

Short-term disability (STD) insurance

The benefits program provides resident/fellows with STD coverage equal to 100% of base salary for up to 90 days. This benefit begins immediately following Sun Life Financial’s determination of disability..

Long-term disability (LTD) insurance

The benefits program provides resident/fellows with basic LTD coverage equal to 80% of base salary, to a maximum benefit of $3,750 per month. Sun Life Financial determines eligibility and medical necessity for LTD. If approved, LTD payments begin immediately following the date STD payments end.

Life insurance benefits*

The 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

* Resident/fellows Basic Life and AD&D insurance coverage reduces by 50% at age 70.

Professional liability coverage

Professional liability coverage is provided to all residents and fellows by the Hamden Assurance Risk Retention Group, Inc. Primary limits are $1 million each claim and $3 million aggregate. Residents and fellows are covered by the Dartmouth-Hitchcock Professional Liability Policy only when practicing within the scope of their Mary Hitchcock Memorial Hospital employment. For more information, see Malpractice Insurance and Risk Management Frequently Asked Questions.

Flexible spending account

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.

** In 2021, the IRS contribution limit is $19,500 for employees under age 50. Employees age 50 or older during the year may save up to an additional $6,500 in "catch-up" contributions.

Employer retirement match

Residents/Fellows are eligible for employer matching contributions of 50 percent on up to 4 percent of employee pay saved, for a maximum match of 2 percent. Matching contributions vest based on a three-year vesting service schedule. Employees earn one year of vesting service for each calendar year in which they are credited with at least 1,000 hours.

Paid time off

Vacation and Flex days

Residents and fellows at all levels are given the following as paid time per training year:

  • 15 vacation days
  • 5 flex days

There is no roll-over or accumulation of paid time off. All vacation, flex days and holiday comp days must be taken in the current training year.

Parental leave

In order to assist and support new parents in balancing work and family, D-H provides Eligible Employees with a period of Parental Leave for activities related to the bonding, care, and wellbeing of their newborn or newly adopted child(ren). D-H will provide up to two (2) consecutive weeks of Parental Leave for all Eligible Employees following the birth or adoption of a child.

Bereavement leave

D-H authorizes up to the equivalent of one work week of bereavement time with pay to an employee who has experienced a death or death(s) in their immediate family (i.e., an employee regularly scheduled to work 40 hours each week receives up to 40 hours of bereavement time, an employee scheduled to work 20 hours per week receives up to 20 hours of bereavement time). The absence may be used over an extended period of time at the supervisor’s discretion.

Immediate family is inclusive of: spouse; child, step-child; parent, step-parent, parent-in-law; grandparent; grandchild; brother, step-brother, brother-in-law; sister, step-sister, sister-in-law; son-in-law; or daughter-in-law.

Additional benefits

On-call meals

On-call meal funds will be distributed to D-H meal card(s) twice each year at 6-month intervals (July 1st, January 1st) for those trainees taking D-H Overnight In-House or D-H Home Call as per the guidelines below:

D-H Overnight In-House Call

Residents/fellows scheduled for overnight, in-house call at D-H will be provided meal money. Meal funds for "D-H Overnight In-House” call are calculated based on the previous year's average call by Program/PGY year (as reported in MedHub via QGenda).

D-H Home Call

Residents/fellows whom are scheduled to home call will be provided meal money. Meal funds are calculated based on the previous year’s average reported “home call- called in” of three or more consecutive hours by Program/PGY year (as reported in MedHub via Amion).

Offsite In-House or Home Call

Residents/fellows will not receive meal money when scheduled to take call at any offsite location.

If you experience any issues with your meal card or have questions concerning your monthly meal card allowance, please call 5-5748.

Coats/scrubs

Two lab coats are provided to all Residents and Fellows at the beginning of training. Lab coats are embroidered with the DHMC logo (CHaD, Vascular and Norris Cotton Cancer logos are also available), name, and specialty. Laundry services are provided and a dropbox for soiled coats is located in the Resident Call area. Laundered items are returned to the rack located inside the Resident Call room.

Scrubs are handled at the departmental level, please contact your Program Coordinator for more information.

Education fund

Each resident is given $300 per training year to be used for items of an educational nature such as textbooks, educational conferences, conference travel and accommodations, subscriptions, membership in educational societies and Step 3 exam fees. You may submit receipts for approved educational expenses and request reimbursement through your Program Coordinator. Funds are available at the start of the fiscal year, which is July 1. These funds do not roll over from year to year. Additional funds may be available based on department specific educational resources; for more information, please contact the departments Program Coordinator.

Parking

Free parking space is available throughout the hospital premises and off-site locations are provided.

Child care

DHMC has an on-site Child Care Center designed to care for the children of benefits-eligible employees (including residents and fellows). It includes eight classrooms, two large indoor play areas, and two separate outdoor playgrounds. Adjacent to the Medical Center, it can accommodate children from six weeks to kindergarten. A highly qualified staff provides professional care from 6:30 am to 8:00 pm, Monday through Friday. There is a sliding fee scale based upon your income and payroll deduction is available. Those interested should apply as early as possible as there is usually a waiting list for entry into the program. Please call 603-643-6504 or email dhmc@brighthorizons.com.

Call rooms

If you need a place to stay and rest while on call there are call rooms available on the fifth floor. Departments that take call often have their own designated rooms. There are also a number of “float rooms” available for anyone to use in both the resident/fellow and medical student hallways. If you need assistance finding these rooms, please email gme.office@hitchcock.org or call 603-650-5748.

Taxi service

Taxi services are offered to residents and fellows who are too fatigued to drive themselves home after a shift. Uber vouchers for transportation while fatigued may be requested via MedHub. If an Uber driver is not available, residents and fellows may call 802-359-7339 to arrange transportation. Transportation is a 24/7 service paid for by the GME office.

Loans

The Hitchcock Foundation’s Residents Revolving Loan Fund offers small interest-free emergency loans to assist with living expenses. Repayment can be deferred until completion of training at this Hospital. Those interested should visit The Hitchcock Foundation’s website.