Effective: July 1, 1999 BENEFITS POLICY: 2.0 Stipends: Stipends for Clinical Fellows and Trainees for the academic year are determined annually. Stipends are established by each department. 6.0 Medical Insurance: Medical Insurance is available through Health Partners of the Midwest. Enrollment must be made within the first 31 days of your appointment with the School of Medicine. Your effective date for health insurance is based on your appointment date and the signature date on your enrollment form. If your appointment date is the first of the month and your signature date is the first of the month, your insurance will be effective the first of the month. If your appointment date is the first of the month and your signature date is the second of the month or later, your insurance will be effective the first of the following month. If your appointment date is the second of the month or later, your insurance will be effective the first of the following month. You are responsible for complying with the procedures of your insurance plan. Insurance premiums are made by payroll deduction. All Clinical Fellows and Trainees are encouraged to purchase insurance coverage for themselves and/or their families. You are responsible for all applicable deductible and copayment amounts. 7.0 Dental Insurance: Dental Insurance is available through the BJC Dental Plan PPO. This plan is administered by the EPOCH Group, L.C. You must enroll within your first 31 days of your appointment and you may apply for coverage for yourself and your dependents. Dependent coverage is available for eligible dependents at a reduced premium. Your effective date for health insurance is based on your appointment date and the signature date on your enrollment form. If your appointment date is the first of the month and your signature date is the first of the month, your insurance will be effective the first of the month. If your appointment date is the first of the month and your signature date is the second of the month or later, your insurance will be effective the first of the following month. You may obtain dental claim forms from the School of Medicine Human Resources office. You may contact the Human Resources office by phone at 362-6961 or by e-mail at lightj@msnotes.wustl.edu. 8.0 Life Insurance and AD&D Insurance: Life and accidental death and dismemberment (AD&D) insurance are available through TIAA. Clinical Fellows and Trainees may purchase up to three times their annual salary. Premiums are made by payroll deduction. 9.0 Long-Term Disability: Clinical Fellows and Trainees are automatically enrolled upon their appointment with the School of Medicine. This Long-Term Disability plan, insured by the Paul Revere Insurance Company, provides a benefit of 60 percent of earnings, to a maximum benefit of $2, 000 per month after an elimination period of 90 days, if you are disabled due to an accident or illness. Premiums are made by payroll deduction. LEAVE POLICY: Clinical Fellows, Trainees and Housestaff have a total of 30 paid workdays off. For purposes of this policy, a workday is defined as Monday through Friday. Fifteen of those days are designed as vacation. Vacation days should be scheduled in advance and may be taken at any time during the year with the approval of the Program Director. There are no recognized holidays. Duties are assigned by each Program Director. Clinical Fellows, trainees and housestaff may also be paid for up to 15 days in the case of their own illness. This leave may also be used for their own medical conditions related to pregnancy and childbirth. In the case of an extended illness or disability, clinical fellows, trainees and housestaff must use their available vacation days after they have exhausted their 15 days of paid time off. Paid time off does not carry over from year to year nor is there a payment for any days that are not used. For purposes of this policy, the year begins on July 1. Time off will be prorated for clinical fellows, trainees and housestaff who join any of the affiliated institutions throughout the year. Additional unpaid leave may be available, in certain circumstances, with the approval of the Program Director. Additional leave may require extension of the training program depending on the guidelines established by the ACGME for that particular program. Leave must be requested in advance of the actual leave. Additional documentation may be required by the awarding training program to suspend the award and/or the accrual of service for calculating the time away from the training program. To obtain further information regarding how a leave relates to Board requirements, contact the Program Director. The Leave Policy is intended to provide clinical fellows, trainees and housestaff with specified paid time off, as well as unpaid leave should the need arise. This leave policy also ensures that clinical fellows, trainees and housestaff have the opportunity to rest and provides financial security in the case of illness and is intended to comply with the Federal Family and Medical Leave Act as applicable. If eligible, clinical fellows, trainees and housestaff members may take up to 12 weeks of leave during a 12 month period for qualifying situations. A request for leave generally will not be granted if a clinical fellow, trainee and housestaff member has used 12 weeks of leave during the preceding 12 months.