Salary and Benefits

Fellowship salary is determined by PGY status as for residency training. Salary for 2011-2012 is listed below. A reasonable cost of living increase can be expected for subsequent years.

  • PGY-4   $54,556
  • PGY-5   $56,683
  • PGY-6   $58,571
  • PGY-7   $60,588
  • PGY-8   $63,604


3 weeks of paid leave per year


Moonlighting to supplement income is permitted if it does not conflict with fellowship training responsibilities and ACGME work hour requirements.

Details about the following benefits are available through the Office of Graduate Medical Education. A copy of the current contract and all policies can be found at the same site.

Health and Dental Insurance

UMMS offers several health plan options from which to choose. Fellows with health care benefits elsewhere may waive this insurance and participate in a health plan rebate program. All plans are contributory for all levels of coverage and offer vision and pharmacy benefits. Dental coverage is available with benefits paid for a variety of services.

Sick Leave

Full salary is paid for 29 days for injury or sickness.

Short and Long Term Disability Insurance

Fellows receive 100% of their salary for short term disability beginning on the 30th day of disability through the 90th day, and 60% thereafter. Beyond 180 days, you may be eligible for long term disability which pays 60% of your salary. Both plans are fully paid for by UMMS.

Maternity or Paternity Leave

Although not a separate leave category, female fellows may use a combination of sick leave, vacation time and disability leave to permit six weeks of post-partum leave for a standard delivery and 8 weeks for a C-section. A male fellow may use annual leave to help care for his new family. Male and female fellows may use FMLA up to 12 weeks if they have met the employment requirements.

Life Insurance

UMMS provides and pays for basic life insurance benefits equal to 100% of the fellow's salary up to $50,000. The fellow may purchase additional coverage for his/herself, spouse or dependent children.

Tax-Sheltered Annuity Program ”“ 403(b) Plan

Various plans are available to the fellow to contribute money for long-term savings on a tax deferred basis with a choice of four investment companies.

Automobile and Homeowner's Insurance

Coverage may be purchased by the fellow with the benefit of low group rates.

Health Care and Dependent Care Flexible Spending Accounts

Fellows may establish an account to convert taxable salary dollars into tax-free benefit dollars within the limits established by the IRS. The monies are reimbursed to the fellow for eligible expenses incurred for health care and/or dependent care of children under 13 and/or disabled adult dependents. The fellow may enroll during the first 31 days of employment; afterward, the fellow can only enroll during the Open Enrollment period or if the fellow has a qualifying family status change.

Worker's Compensation

Fellows are covered for medical expenses and lost work time due to injury or illness that is job related. The fellow's survivors are protected in case of death due to a job-related injury or illness.

  1. Carebridge Work Life Services Plan

Carebridge is an innovative work-life services program that provides professional consultation, referral and information to help with a variety of personal and family needs, such as child care, college planning, financial planning, stress management, eldercare, adoption information, relocation and continuing education.

Employee Assistance Program (EAP)

EAP is a free, confidential counseling and referral service available to all fellows and their family members, and is separate from the health plans provided by UMMS. EAP is staffed by trained mental health professionals and is provided free of charge.

Military Training Leave

If you are a member of the National Guard or the Federal Military Reserve, you are permitted up to two weeks of leave per year. If your military pay is less than your normal wages, the Medical System will pay the difference. Other military leave will be approved according to Federal Law.

Other Benefits

HIV benefit, credit union privileges, cafeteria discount, direct deposit, MTA commuter benefit program, COBRA and unemployment insurance are included in the fellow's benefit package. For more details, please see the current contract and the web pages for the Office of Graduate Medical Education.

For patient inquiries, call 1-800-492-5538 or If you prefer, you may call the division directly at 410-328-5780.

This page was last updated: June 24, 2013

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