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Disability Insurance

Highlights of the Disability Insurance Plans for ACGME House Staff


Eligibility:  House staff members are eligible for Short- and Long-Term Disability Plans on your first day of training at BIDMC.
Enrollment: Enrollment is automatic.
Cost: There is no cost to you; the full cost of these plans is paid by BIDMC.

Note: You have the opportunity to purchase additional Long-Term Disability coverage if you wish, as described below.

Short-Term Disability (STD) Plan Benefits:
Generally, if you are totally disabled due to an injury or illness* and unable to work, the STD plan will pay:

  • 100% of your regular weekly base pay for weeks 1 through 8, and
  • 60% of your regular weekly base pay for weeks 9 through 26.

Total disability means that you are unable to perform all the material and substantial duties of your job, on an active employment basis, due to injury or illness.

* The STD Plan also provides benefits if you are out of work for the birth of a child. Generally, coverage is available for 6 weeks following a normal delivery and 8 weeks following a Caesarian section (exceptions may be made on an individual basis with documentation).

Long-Term Disability (LTD) Plan Benefits:
If you are disabled for more than 26 weeks, you may qualify for LTD benefits. Under this plan, you are automatically enrolled for a benefit that provides 50% of your regular weekly base pay for as long as you are totally disabled, up to age 65 (or longer depending on when your disability begins). The maximum monthly benefit is $7,500. If you wish, you may buy-up to a 60% benefit; contact the Benefits Office for details.

Applying for Benefits:
If you become disabled and are unable to work, please contact:

  • Your Program Director or Chief, and
  • The Benefits Office (617) 632-9400.

The Benefits Office will explain the process and give you any necessary forms to complete to apply for STD and/or LTD benefits.

Other Plan Information:
Generally, STD and LTD plan benefits are not payable for disabilities resulting from any act of war, self-inflicted injuries, participation in a riot, committing (or attempting to commit) an indictable offense or injury on the job.

For complete details and answers to your questions, contact the Benefits Office (617) 632-9400 or benefits@bidmc.harvard.edu  

This is a summary only. Official plan documents govern plan provisions and payment of plan benefits. Beth Israel Deaconess Medical Center reserves the right to amend, change or terminate its benefit plan at any time, in its sole discretion.