Benefits

Any conflict between statements made in this benefit summary and the plan documents shall be governed by the applicable plan documents. Gundersen Medical Foundation may find it necessary to add, modify or change any or all benefits or premium contributions stated herein.

STIPENDS
R1: $56,700
R2: $58,500
R3: $60,700
R4: $63,000
R5: $65,100
R6: $67,200

Housing
There are 50 town houses located on the immediate hospital grounds reserved for residents/fellows; however, on campus housing is optional. These townhomes rent for $675.00 per month. Included in this cost are all utility bills (heat, electricity, and water). Additionally, this cost includes basic cable and high-speed internet access. The townhomes can be totally furnished, semi-furnished, or unfurnished. Each townhome has a living room, dining room, kitchen, laundry area with individual washers and dryers, two bedrooms, bathroom and study/den. All are individually heated and air-conditioned. Garden space is also available. No pets are allowed in the housing complex.

Additionally, there are 12 newly built town houses located near the East and Founder’s Buildings reserved for residents/fellows. This on campus housing is also optional. These townhomes rent for $850.00 per month. Included in this cost are all utility bills (heat, electricity, and water). Additionally, this cost includes basic cable and high-speed internet access. The townhomes can be totally furnished, semi-furnished, or unfurnished. Each townhome has a living room, dining room/kitchen, laundry area with individual washers and dryers, two bedrooms, one full bathroom, and one ½ bath. All are individually heated and air-conditioned. There is no garden space at this site, but gardening would be available at the housing complex of the 50 town homes. No pets are allowed in the housing complex.

Healthcare Insurance
Gundersen Medical Foundation pays the full cost of your medical coverage. The Consumer Involved Medical Plan has a $2,000 deductible/20% coinsurance in network and $4,000 deductible/ 40% coinsurance out-of-network, with a Cost Share Fund (funded by Gundersen) which automatically pays 50% of deductible and coinsurance cost up to $1,000 for single coverage and $2,500 for family coverage. The Cost Share Fund is pro-rated when enrolling mid-year. Annual exams, preventive and diagnostic screens will be covered at 100% when performed at in-network facilities. Coverage begins on your date of hire.

Dental Insurance
Dental coverage is offered with a premium cost to you. The plan pays 100% of preventative services (includes routine exams and x-rays). The plan pays 70% to 80% for restorative services (such as fillings, crowns and bridges, and endodontic services), up to an annual maximum of $1,000 per covered person. Coverage begins on your date of hire.

Employee Discounts
Each resident/fellow, spouse, and any dependent children under the age of 18 receive a 20% discount on all non-insurance covered services at Gundersen.

Some examples of services to which this discount would apply include refractive eye surgery, optometry services, such as eye wear, including prescription eyeglasses and contacts, cosmetic surgery, hearing aid, and dentures. (Please note that this is not all-inclusive and you should check with the Gundersen Health Plan for specific coverage details.)

Retirement Plan
Eligibility: Employees age 21 or older who work 40 hours or more in a two-week pay period, i.e. must be in position scheduled to work 1,000 hours per year (.5 FTE) may contribute. Entrance into the plan to begin deferrals is the 1st of the month following 30 days of employment. Thereafter, employees can enroll at any time. Employees may make personal pre-tax and/or Roth after-tax contributions to the plan.

Summary: Gundersen Health System matches 100% on the first 3% you contribute and $.50 for each dollar up to the next 2% you contribute; therefore if you contribute 5% you can receive a 4% match. The matching contribution is made after each pay period. You may elect to contribute more than 5%. You elect how the funds are invested, and are 100% vested immediately in your contributions as well as Gundersen’s matching contributions and earnings on these amounts. Changes in your contribution percentage and the investment allocation can be made at any time. The amount of the voluntary contributions (your personal deferrals) by law is limited to a maximum of $18,000 (2016 limit) and is subject to other IRS limitations as well. Employees who will be at least age 50 by the end of 2016 can contribute an additional $6,000 (2016 limit) to their 401(k) plan. This additional $6,000 is over and above the $18,000 limit. These limits are adjusted annually by the IRS.

Disability Insurance
If you are unable to work for more than 14 consecutive days, short-term disability provides a 60% weekly benefit-up to $1,000 per week- for up to 75 days. Your cost for STD coverage depends on your basic annual earnings. This policy goes into effect July 1st.

Your long-term disability coverage is a corporate paid benefit. The policy goes into effect on your date of hire. Should you become disabled, benefits would begin after a 90-day elimination period. If disabled, you would receive a disability benefit of up to $2,000 per month.

Short Term Disability Insurance
Short-term disability insurance is also available to you if you are interested at your expense.

Group Life and Supplemental Insurance
Gundersen pays the full cost of your basic group life insurance policy. The value is $50,000 matched by an additional $50,000 in the case of accidental death. The policy goes into effect July 1st. You may also purchase supplemental life insurance up to a maximum of five times your salary at rates in accordance with your age bracket. You may also purchase supplemental life insurance for your spouse and qualifying dependent child(ren). Premiums for all supplemental policies are paid through after-tax payroll deductions.

Professional Liability Insurance
Residents/fellows are insured for professional liability under the Gundersen Clinic, Ltd. Professional Liability Insurance Plan, a self-insurance plan approved by the Wisconsin Office of the Commissioner of Insurance. Coverage is provided on an occurrence basis to limits of $1,000,000/$3,000,000.  Coverage above this primary professional liability insurance, in an unlimited amount, is provided by law by the Wisconsin Injured Patients and Families Compensation Fund. The Gundersen Medical Foundation pays all required premiums and fund contributions for this coverage on behalf of its residents/fellows.

Health Care and Dependent Care Flexible Spending Accounts (FSA)FSA help you take advantage of tax savings on eligible healthcare and dependent care expenses. By setting aside pre-tax money from your pay in a Health Care and/or Dependent Care FSA, you can later repay yourself for eligible expenses. Because your contributions are deducted from your pay before federal income, state income, and Social Security taxes have been withheld, you save on taxes.  You are eligible to participate July 1st.

Health Care FSA
The Medical FSA is for reimbursement for you and your eligible dependents healthcare expenses that aren’t covered by insurance. The minimum contribution is $100 and the maximum contribution is $2,550. In making your elections, estimate the out-of-pocket expenses you expect to incur from July 1st through December 31st. If you have money remaining in your account at the end of the plan year, a grace period allows you to be reimbursed for eligible healthcare expenses incurred from January 1 through March 15.

Dependent Care FSA
The Dependent Care FSA is for reimbursement of daycare expenses for eligible dependents. The minimum contribution is $100 and the maximum contribution is $5,000. The Dependent Care FSA does not offer a grace period.

Worker's Compensation
Each resident/fellow is covered under Worker's Compensation and normal laws apply.

Vacation Time
Vacation time includes a maximum of fifteen (15) weekdays, which may be taken throughout the academic year either as single days or as a one-week block. No more than seven (7) calendar days (including weekend days) are allowed off of any one-month rotation. Fourteen day (including weekend days) vacations may be arranged by using the last week of one rotation and the first week of the next rotation, with the approval of the program director. (See your specific residency handbook for additional details.)

Meeting Time/Allowance
Each resident/fellow may receive up to (5) five working days for educational experiences per academic year for the general purpose of maintaining, continuing, or enhancing his/her education, training, or skill level, within his/her field of expertise. (See your specific residency handbook for additional details.) First year residents receive $800, second year residents receive $1,600, third year residents receive $1,800, fourth year residents/fellows receive $2,000, fifth year residents/fellows receive $2,500, and sixth year residents/fellows receive $3,000 per year for meeting and other education expenses (e.g., books). Expenses other than those listed in the guidelines will not be reimbursed from this allowance (please review and adhere to Gundersen policy GL-1035). Special funds are available for resident/fellow paper presentations. You may use up to $800 of your CME monies to purchase iPad which is owned by Gundersen Health System and must be returned at the end of your residency/fellowship.

Total Time Away From Training
A maximum of thirty (30) calendar days (including weekend days) throughout the academic year is permitted for authorized time away from training, which includes job/fellowship interviews, vacation, illness, and family medical leave, HR Policy (HR-520). (See your specific residency handbook for additional details.) Training must be extended to make up any absences exceeding thirty (30) days per year of training as total time away may have repercussions on ability to qualify for board certification, depending upon the specialty's requirements. Each resident should consult their respective Board's application materials to verify required number and composition of residency weeks by year. 

Total Time Away for Extended Residency
If residency program is extended for a resident/fellow, that resident/fellow may earn 2.5 days (including weekend days) away from training, per month, after completing the first ninety (90) days of the extended residency time.  If the residency program is extended until the end of the academic year, the resident/fellow may earn up to twenty-two and a half (22.5) days (including weekend days).  Of that total time away, two-thirds of the accrued leave time may be used for vacation and the additional one-third can be used for other authorized time away.  

Moving Allowance
A one-time allowance up to $2,500 is offered to individuals entering our categorical residency programs with an expected duration of three years or longer.

Child Care
Children of residents/fellows are eligible to attend a child-care center on the immediate Gundersen grounds, provided openings are available.  Please contact the program specialist for more specific information if necessary for your personal situation.

Credit Union
Residents/fellows are eligible to use the Gundersen Credit Union. 

Mobile Devices
Each resident/fellow is eligible to receive reimbursement for use of their personal mobile devices. The mobile device reimbursement plan provides eligible residents/fellows a reimbursement of $65 per month if certain criteria are met. The criteria includes: AirWatch software installed on mobile device and cell phone number entered into the employee directory. Reimbursement will be made automatically to eligible residents/fellows during the second bi-weekly payroll date of each month. 

Licensure
Licensure in the State of Wisconsin and Drug Enforcement Agency (DEA) registration fees are 100% paid by Gundersen.

Meals
Continental breakfast is provided at morning teaching conferences, and lunch is provided at noon teaching conferences, three days a week.  Residents/fellows are provided with a $1,200 meal stipend for the academic year.

Laboratory Coats
Laboratory coats are provided, laundered, and repaired on a regular basis at no cost to you.

Health Sciences Library
The Health Sciences Library is an integral part of Gundersen Health System.  As the second largest hospital library in the state, the collection contains over 4000 on-line/print journal titles and over 3,000 on-line/print textbooks.  Electronic resources including, Ovid, ClinicalKey, Micromedex, LexiComp, VisualDX, and Up-To-Date are available via Gundersen's intranet.  You have 24/7/365 access to the main library area by use of your identification badge.

Parking
If living off campus, parking is available at no charge in one of the immediate physician lots.

Sleeping Rooms
All residents/fellows are able to take call from home, but should you wish to remain in-house, there are designated call rooms in the hospital available for your use.  Seven of the eight call rooms are equipped with full bath facilities. 

Exercise Facility
Gundersen recently opened the My Health Room located right here on the La Crosse campus.  The My Health Room is a fully equipped fitness facility offering a wide variety of cardiovascular and weight lifting equipment.  There is no cost for Gundersen employees to use the My Health Room facility.  An array of fitness classes are available and offered at very reasonable rates.

Sports Leagues and Tickets
Gundersen Medical Foundation sponsors resident/fellow city recreational league teams in basketball, softball, broomball, and volleyball.  In addition, two season lift tickets are available for use at Mt. La Crosse for skiing.  Discounted lift passes are offered to spouses, children or guests of the resident/fellow.

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