Resident Benefits

South Pointe Hospital
Department of Graduate Medical Education
Intern and Resident Benefit Summary
2006 -2007 Contract Addendum A

BENEFLEX - FLEXIBLE BENEFITS PROGRAM South Pointe's Flexible Benefits Program - BeneFlex - allows you to select benefits according to your individual and family needs. Coverage selected under the BeneFlex Program begins from your date of hire. Five contract levels are available for health coverage and three levels of coverage are available for dental and vision coverage. During the calendar year, you are eligible to change your BeneFlex selections within 31 days of a "life event" (such as marriage, divorce, birth, etc.). Coverage from the BeneFlex benefits begins on your employment date. South Pointe also provides an annual open enrollment period so that you have the opportunity to customize your BeneFlex options as your needs change.

HEALTH PLANS
South Pointe offers you the choice of two different health plans:

CCHS Employee Health Plan: As a two-tier point-of service plan, your level of coverage is determined on how you access in-network and out-of-network providers. The highest level of coverage will be achieved when you receive service from a member of the CCHS Provider Organization. The plan provides open access while at the same time encourages employees to utilize Primary Care Services without the need to obtain a referral. There is a $10 copayment for services provided by a primary care physician. There is a $25 CO-payment (of allowed charges) for specialist visits. Tier 2 providers consist of members of the Cleveland Health Network.

Summa: Structured as a traditional HMO plan (Primary Care Physician is required). Under this plan you are able to utilize providers in the Summa care network when services are provided outside of Cuyahoga County. CCHS providers must be utilized when services are provided within Cuyahoga County. The physician office visit co pay is $15; 100% coverage for inpatient and outpatient procedures.

PRESCRIPTION DRUG PLAN
The CCHS Employees Prescription Drug coverage is included in each of the above health
plans and is structured the same regardless of which plan you choose. Administered by
CareMark, the prescription program provides short-term (retail) drug coverage and a mail
order program, based on a formulary. The prescription plan will have a front-end
deductible of $100 for each member with a maximum of $300 per family.

Members who use designated CCHS outpatient pharmacies will pay a reduced percentage
for short term and long term (90 day supply). See Human Resources for more
information.

DENTAL PLANS
In order to meet the dental care needs of you and your family, three dental plan options are available under BeneFlex. Under the Traditional and Preventive plans, you can use any general dentist for your services but if you utilize a CIGNA provider your copayments will be less due to the discounted rates the CIGNA network provides have agreed to accept

Traditional Plan
Deductible of $50/person and $150/family, then coverage at 100% for preventive care, 80% for basic services (in-CIGNA network) 70% (out of CIGNA network) and 50% for major services such as crown and bridges. Maximum annual benefit is $1250 per person (in-CIGNA network) and $1,000 (out-of-CIGNA-network) Orthodontia is covered at 50% with a $1000 maximum lifetime coverage.

Preventive Plan
Deductible is the same; 100% coverage for preventive care; 80% for basic services; no major services such as crowns and bridges; no orthodontia coverage; maximum annual benefits $500/person.

CIGNA DentalCare HMO Plan
The CIGNA Dental Care Plan is a Dental HMO with no charges for most preventive services, no deductibles and no annual or lifetime maximums. Under this plan you must utilize providers who are part of the CIGNA Dental Care HMO network.

VISION PLAN
CCHS offers the EyeMed Vision Care Plan (formerly Cole Managed Vision), which provides the flexibility to purchase eyewear from your provider of choice, but also maximizes benefits by using providers who are part of the Cole Managed Vision network. Additionally, once you use the benefits, you can receive discounts for additional pairs of eyeglasses/contact lenses purchased

Vision Exams are covered only under the health plan and are subject to a $25 CO pay.

LIFE INSURANCE PLANS

Core Life/AD&D

Full-time employees: Two times annual base salary
Part-time employees: One times annual base salary
The basic plan insurance is paid in full by South Pointe Hospital

Supplemental Life
Full-time/Part Time employees are eligible to apply for additional coverage of up to four times their annual base salary.

Dependent Life
Full/Part Time employees may purchase dependent life coverage of $25,000 on spouse and $10,000 on each dependent child.

FLEXIBLE SPENDING ACCOUNTS
You may elect to deduct a portion of your earnings on a pre-tax basis for health care and dependent care expenses. If you enroll in a Medical and/or Dependent Care Flexible Spending Account (FSA) you will automatically receive a "Flex Convenience Card" (benefits debit card) to pay for your eligible FSA expenses directly at the point of service.

The FSA annual contribution limits are:

Health Care
Up to $5000 annually for reimbursement of health care expenses not covered through a health care plan.
Dependent Care
Up to $5000 annually for reimbursement of dependent care expenses.

DISABILITY COVERAGE
If you are a full-time employee with one year of continuous service, both Short Term and Long Term Disability Coverage are designed to provide financial security for you in the event you suffer from a (non-occupational) disability.

Short Term Disability (STD)
Short Term Disability is provided as a core benefit, which means that as a full-time employee, the benefit is totally paid for you by South Pointe. When on an authorized leave of absence, the STD benefit provides up to 26 weeks of income protection at 70% of your base salary.
Long Term Disability (LTD)
In the event your medical condition continues beyond the short-term disability period, you may be eligible to receive benefits from the Long Term Disability (LTD) Plan. The core LTD benefit, which is paid for by South Pointe, will pay you 60% of your base monthly salary up to a monthly maximum benefit of $7,500.

PENSION PLAN
You are not eligible to participate in the employer paid pension plan during your residency. After your residency, if you are hired into a regular status employed physician position, you will receive pension service credit for your time as a resident.

CCHS - 403(b) - SAVINGS & INVESTMENT PROGRAM
To assist you in your retirement savings, you are eligible to defer a portion of your earnings on a pretax basis. You are not eligible for any "employer" matching funds during your residency. After completion of your residency, if you are hired into a regular status employed physician position, any service credit will be applied to the two year waiting period to be eligible for employer matching funds.

CREDIT UNION
You are eligible to join a credit union as of your first day of employment. You may designate an amount to be deducted directly from your paycheck and deposited into the credit union to enhance your personal savings plan.

EMPLOYEE ASSISTANCE PROGRAM
The Employee Assistance Program (EAP) provides up to eight confidential counseling sessions each year for each eligible employee and their immediate family members for problems such as depression, anxiety, marital or family issues, substance abuse, and legal or financial problems. A WorkLife Services Program is also available through the EAP to help you balance your personal and professional life. The EAP and WorkLife Services Program are provided at no cost to employees.

VACATION
All interns and residents receive one hundred twenty (120) hours (15 working days) of vacation time each year. Scheduled vacation is subject to the approval of the Program Director and Director of Medical Education. Vacation cannot be carried over from one Program Year to the next.

HOLIDAYS
Holidays are scheduled at the discretion of the Program Director, program faculty and head intern/chief residents. The Department of Graduate Medical Education approves all holiday schedules.

EDUCATIONAL ALLOWANCE
Interns receive a maximum $1,000 allowance and Residents receive a maximum $1,500 allowance for reimbursement for of educational equipment and supplies such as textbooks, journals, medical equipment, etc. Interns and Residents will be reimbursed for such expenses upon proof of purchase. Personal items such as televisions; VCR/DVD players; wireless phones; audio equipment; clothing and furniture may not be purchased with these monies. The Department of Medical Education reserves the right to deny reimbursement of any item deemed ineligible under these criteria. To guarantee reimbursement, pre-approval of expenses is recommended. These monies may not be carried over from one program year to another. It is the intern's and resident's responsibility to monitor the balance of this allowance.

EDUCATIONAL CONFERENCES
Residents may be required to attend specialty college conferences as stipulated in their respective Residency Basic Standards. A travel allowance will be provided for registration, hotel, per diem and airfare.

TRAVEL
All travel must be pre-approved. South Pointe's travel policies apply in all instances, including, but not limited to mileage; meal per diem; hotel and airfare. Please request a complete copy of the policies before any travel arrangements are made. Expenses will not be reimbursed if these policies are not followed.

PROFESSIONAL LIABILITY INSURANCE
Professional liability insurance is provided to all Interns and Residents only for rotations included as part of the program's curriculum. This coverage is not extended to activities conducted on your own time even if such activities occur on hospital premises (i.e. moonlighting). Incurred, but not reported claims,

Coverage applies to employees while performing within the scope of their employment. Coverage applies to all CCHS eastern-region facilities and Marymount Hospital.

MOONLIGHTING PRACTICE

Interns (PGY-1) are not permitted to engage in any moonlighting activity whether within the hospital, any outside institution, or private office.

Residents (PGY-2 through PGY-6) may engage in moonlighting activities as long as they conform to all American Osteopathic Association rules governing work hour limitations; have a valid Ohio State Medical License (not a Training Certificate); and have a valid DEA certificate (not a hospital-issued DEA number). All residents participating in moonlighting activities must be credentialed through the Medical Staff Office and obtain the approval of their Program Director and the Department of Graduate Medical Education. Credentialing through the Medical Staff Office is also required. A work schedule must then be submitted verifying compliance with the AOA work hours rule.

Under no circumstances can moonlighting activity interfere with the residency obligation and must not occur during residency work hours. This includes moonlighting while on-duty.

MEALS
Interns and Residents are responsible to pay for all meals. Interns and Residents will receive a $35 per pay supplement to offset the cost of meals while on in-house call.

LAB COATS
Interns and Residents will be provided with two, embroidered lab coats each program year. Laundry service is not provided.

SIGN-ON BONUS
Interns who commit to an internal medicine residency at South Pointe Hospital, upon signing a contract for internship, will receive a one-time $4,000 sign-on bonus. A Promissory Note (attached, if applicable) must be signed in order to receive payment of the sign-on bonus. If an intern does not completely fulfill the residency commitment at South Pointe Hospital, repayment of this bonus will be required as outlined in the promissory note.

Primary Care Residents (Family Practice and Internal Medicine) will receive a one-time $2,000 sign-on bonus. A Promissory Note (attached, if applicable) must be signed in order to receive payment of the sign-on bonus. Residents who participated in the internship bonus program are not eligible for this additional benefit.

All sign-on bonuses are subject to federal, state and local taxes. Sign-on bonuses will be disbursed in the first pay following the effective date of the contract (July 1).

LICENSURE
All Interns and PGY-2 Residents are required to obtain a Training Certificate from the State of Ohio Medical Board.

Residents must apply for a permanent license within six months of matriculation of their PGY-2 training year.

MEDICAL RECORDS
Interns or Residents who have anymore than 5 (five) delinquent medical records will have their paycheck suspended until the successful completion of delinquent charts. Additional days will be added to the end of the program year for any suspended time. Graduation certificates will not be distributed until all delinquent medical records have been completed.

LOGS AND EVALUATIONS
All logs and service evaluations are due by the 15th of the month following the scheduled rotation. Timely submission is required to receive credit for the service. Failure to submit these required documents may result in suspension from the current service. Additional days will be added to the end of the program year for any suspended time. Graduation certificates will not be distributed until all delinquent logs and evaluations have been completed.

ADDITIONAL BENEFITS

Employee development programs offered through the South Pointe Center for Quality and Leadership
Direct deposit/preferred rate loans
Employee health service
U.S. Savings Bonds through payroll deductions
Subsidized cafeteria at South Pointe hospitals
Child care referral service
Employee activities and discount programs

South Pointe Hospital reserves the right to modify and change benefit plans and programs for active employees. Employees will be notified of changes should they occur.

Please sign to indicate acceptance of the terms of this addendum:

Signature Date