Fellow's Benefits Information
Benefits for Clinical Fellows: Frequently Asked Questions
*Hopkins Benefits: https://www.hopkinsmedicine.org/som/offices/registrars/pdoc_benefits.html
Q: How do I set up my 403b?
- You can choose between Fidelity, TIAA, Vanguard
- Hopkins Benefits website >> 403B Retirement Plan
- If you are receiving salary through a grant, reach out to the payroll office each year to find out how much of your paycheck is “salary” vs “stipend” because you can only put “earned wages” into 403B.
- Payroll (443-997-5828), website: http://ssc.jhmi.edu/hr_payroll/index.html
Q: Do I have disability insurance? How does it work?
- Everyone has disability automatically. It is basic. Details are on Benefits page, but essentially the basic coverage will pay ~$3000 per month after you have been disabled for 90 days. This does not cost anything. For most subspecialists this is likely inadequate coverage should you no longer be able to practice your chosen specialty because of disability. You can opt to increase the amount you would get paid if you were disabled by paying some money each month for this additional coverage.
- You can find and purchase additional disability insurance from an outside company of your choosing for better coverage.
Q: How do I enroll in the life insurance plan?
- All fellows are automatically enrolled in a policy worth $100,000.
- Like disability, you can get separate outside policy if you’d like. If you have dependents, it may be beneficial to consider additional coverage, but this is a personal decision.
Q: Are there any benefits for parents regarding childcare?
- Yes, they include subsidized urgent childcare (parents in a pinch) and help finding childcare. Go to http://hopkinsworklife.org/family_support/care_work/ for more details.
- There is also a voucher to help pay for childcare if your households’ taxable income is less than $50,000. Details are here: http://hopkinsworklife.org/family_support/child_care/.
Q: Do I have to go to UHS for my care?
- No. You can go to any provider but may be paying deductible and/or copay, so check first. You can always access UHS for an urgent appointment. However, you can find and go to primary care doctor or other physician without seeing UHS.
Q: Why doesn’t the university pay for my child’s health insurance?
- Determined by each department/division, not the University.
Q: When does the financial year start for health insurance? In other words, when does my deductible reset?
- July 1
Q: If I am being paid by a T32, how do I figure out how much extra withholdings to request on my paycheck so I don’t get penalized by the IRS?
- Contact your personal tax advisor
- Can look at paystub online and contact payroll help desk and/or your department’s financial administrator
- Can also reach out to the tax office for additional help: email@example.com
Q: Do I have access to mySupport? And what is it?
- Yes, you do. MySupport is a comprehensive support line to assist finding help for a number of life's challenges.
- See: https://hub.jhu.edu/at-work/2019/04/02/employee-assistance-program/. The number is: 443-997-7000
Q: Do I have access to the HSC emergency fund?
- No. It only covers residents. Residents are paid by the hospital and JHH is where the money for the fund comes from. Fellows are paid by departments. If you need assistance with emergency funds you can either email CFC and we can connect to resources. Or you can contact your fellowship program director.
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