Resident Benefits

STIPEND:  R1 $43,200

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.

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 $640.00 per month. Included in this cost are all utility bills (heat, electricity, water, and local telephone service). 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.

Healthcare Insurance
Each resident/fellow is provided with healthcare insurance where the monthly premium cost is paid 100% by the Gundersen Medical Foundation.

The Consumer Involved Medical Plan includes both in-network and out-of-network coverage. This plans deductible is $2,000 per individual with a $5,000 family deductible, but Gundersen covers half of the deductible for you. Once you have met the annual deductible, you are then responsible for paying a 20% co-insurance.

There is a small co-payment for prescription medications. Generic prescription medications are subject to a $5.00 co-payment, prescription medications listed on the Formulary are subject to a $30.00 co-payment, and non-formulary prescription medications are subject to a $60.00 co-payment.

Health insurance coverage is effective the date of your hire.

Dental Insurance
You may either elect or waive coverage under the dental plan. Single or family coverage is available. You are responsible for a portion of the monthly premium cost. Coverage is effective 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.)

Salary Deferment 401(k) 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). 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 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. The amount of the voluntary contributions (your personal deferrals) by law is limited to a maximum of $17,500 (2013 limit) and is subject to other IRS limitations as well. Employees who will be at least age 50 by the end of 2014 can contribute an additional $5,500 (2013 limit) to their 401(k) plan. This additional $5,500 is over and above the $17,500 limit. These limits are adjusted annually by the IRS.

Reimbursement Plans
You are eligible to enroll in the Medical Expense or Dependent Daycare Reimbursement Plans. The Reimbursement Plans allow you to pay for expenses not covered by your health or dental insurance as well as dependent daycare costs that you may incur all on a pre-tax basis. You are eligible to enroll in these plans as of July 1. Subsequent elections are made on an annual basis. Any new elections would then be made by January 1 of each year.

Disability Insurance
Long-term disability insurance is purchased for each resident/fellow using a calculated formula of approximately 2/3 of salary following a 90-day waiting period.

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

Life Insurance
Group term accidental death and dismemberment insurance is purchased for each resident/fellow providing you with a $50,000 policy. A $100,000 policy is provided in the case of an accidental death.

Professional Liability Insurance

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

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

Vacation Time/Sick Time
Vacation and sick time includes 15 days, which may be taken throughout the year either as days or as a one-week block. No more than 3 days off are allowed on any required rotation and up to 5 days off may be allowed for elective blocks. Two-week vacations may be arranged by using the last week of one rotation and the first week of the next rotation.

Professional Days
Up to three days may be used for taking board exams, interviewing, or attending additional conferences (other than ASHP Midyear Clinical Meeting or the Great Lakes Regional Residency Conference).

Meeting Allowance
Residents are fully funded to attend the ASHP Midyear Clinical Meeting and the Great Lakes Regional Residency Conference. Both are required components of the residency program. 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.

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.

iPod/iPhone
Each non-categorical Resident/Fellow is eligible to receive an iPod during the training year at no cost. Cost is covered by Gundersen Medical Foundation. The device is owned by Gundersen Health System and must be returned at the end of your residency/fellowship.

Each categorical Resident/Fellow is eligible to receive an iPhone at no cost. Cost is covered by Gundersen Health Plan. Data is limited to 3gb per month with unlimited calling and texting. These phones are not set up for international usage. The device is owned by Gundersen Health System and must be returned at the end of your residency/fellowship.

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 each noon teaching conferences, four days a week. Residents/fellows on call are provided with a free evening meal.

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 has been an integral part of Gundersen for more than 40 years. As the second largest hospital library in the state, the collection contains approximately 650 journal titles and 3,000 textbooks. Electronic resources including, Ovid, MD Consult, Micromedex, 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.

Health Sciences Library
The Health Sciences Library has been an integral part of Gundersen for more than 40 years. As the second largest hospital library in the state, the collection contains approximately 650 journal titles and 3,000 textbooks. Electronic resources including, Ovid, MD Consult, Micromedex, 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.

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 & 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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