Contract & Benefits

Physician Recruitment Process and Compensation Overview

Compensation That Reflects Your Expertise and Commitment

Your compensation package through Touro University Medical Group (TUMG) is designed to recognize the unique value you bring as a clinician-educator. The model balances financial security with growth opportunity, offering a generous base salary along with structured productivity incentives and a full suite of benefits to support your professional and personal well-being.

You will start with a 2-year income guarantee set at $350,000, which aligns closely with MGMA median benchmarks for psychiatrists in the Western U.S. During this period, your performance will be monitored using a productivity model based on wRVUs. At the end of the guarantee, your compensation transitions to an ongoing salary plus RVU bonus structure. Physicians who exceed the 75th percentile productivity threshold (currently 3,355 RVUs) are eligible for a salary increase up to $419,000.

Compensation Summary

Item Detail
Income Guarantee $350,000 for the first 2 years
Productivity Model Ongoing salary plus wRVU bonus after guarantee period
Upside Potential Up to $419,000 if annual wRVUs exceed 3,355 (75th percentile)
Signing Bonus $25,000 (negotiable)
Relocation Assistance Up to $20,000
Work Week 38 hours
CME Leave 5 days
CME Allowance $2,500 per year

Health Insurance

TUMA offers four medical plan options through two carriers. All plans require use of preferred providers.

Plan Type Key Details
Kaiser Permanente HMO – $25 Copay HMO Out-of-pocket max: $1,500 individual / $3,000 family. Professional services: $25/visit.
Kaiser Permanente HMO – $30 Copay HMO Out-of-pocket max: $3,000 individual / $6,000 family. Professional services: $30/visit.
Kaiser Permanente PHCS PPO Deductible: $750 individual / $1,500 family. Professional services: $30/visit.
United Health Care Classic PPO PPO Deductible: $500 individual / $1,000 family. Professional services: $30/visit.

Dental and Vision

  • Dental (CIGNA): PPO and DHMO options available. Employees pay 100% of premiums for themselves and dependents using pre-tax dollars.
    • PPO: Preventive care covered at 100%. Basic restorative at 80%. Major restorative and orthodontia at 50%. Lifetime orthodontia maximum: $2,000.
    • DHMO: Office visits $5 copay. Cleanings and exams at no cost. Orthodontia: $75/month for 24 months (children), $100/month for 24 months (adults).
  • Vision (VSP): Employees pay 100% of premiums for themselves and dependents using pre-tax dollars. $20 copay per year. Laser vision correction discounts available.

Retirement

TUMA employees have access to a 401(k) and Roth plan administered through TIAA. You may contribute pre-tax dollars to the 401(k), after-tax dollars to the Roth, or split contributions between both.

  • Voluntary contributions up to 85% of compensation, subject to IRS limits
  • Employer matching contribution of up to 5% for eligible employees
  • Flexible investment options
  • Open enrollment and contribution changes permitted at any time

Time Off

Category Detail
Vacation Accrues at 5.85 hours bi-weekly (approximately 152 hours per year). Maximum carryover: 266 hours.
Sick Leave 56 hours credited at the start of each fiscal year (July 1). Unused hours roll into a sick leave bank capped at 80 hours.
Personal Leave 23 personal hours credited at the start of each fiscal year. Not carried over.
Paid Holidays 12 scheduled holidays plus 1 floating holiday (see list below). Early close at 3 p.m. on holidays and observances.
Bereavement 5 days for immediate family. Up to 1 day for extended family.
Jury Duty Up to 21 days paid within any two-year period.

Paid Holidays:

New Year's Day, Martin Luther King Day, Presidents Day, Passover, Memorial Day, Shavuot, Independence Day, Labor Day, Rosh Hashanah, Yom Kippur, Sukkot, Thanksgiving, and 1 floating holiday.

Insurance and Income Protection

Coverage Detail
Basic Life and AD&D Employer-paid. Benefit equal to 1x annual base salary, up to $300,000. Reduced 35% at age 70; 50% at age 75.
Supplemental Life Optional. Up to 3x annualized salary. Combined Basic and Supplemental maximum: $1,250,000.
Long-Term Disability Employer-paid (The Hartford). 50% of monthly base salary, up to $10,000/month. Applies after 6 months of disability.
Short-Term Disability Available through SunLife. Employee-paid. Replaces up to 25% of salary, up to $1,000/week for a maximum of 12 weeks.
Malpractice Insurance Employer-paid with tail coverage included.

Flexible Spending Accounts

  • Health Care FSA: Elect $100 to $3,300 per plan year (pre-tax). Up to $660 in unused funds may roll over to the following year.
  • Dependent Care FSA: Elect $100 to $5,000 per plan year (pre-tax).
  • Administered through Benefit Resources, Inc. (BRI) at BenefitResources.com.

Additional Benefits

  • Employee Assistance Program (EAP): Free and confidential counseling and support for employees and immediate family members. Available to all employees. Call 866-799-2728.
  • Tuition Remission: Full-time employees, their spouse, and their children are eligible.
    • Undergraduate: 100% discount on tuition and fees for a first degree (up to 18 credits per semester).
    • Graduate and Professional: 25% discount on tuition.
  • Identity Theft Protection: Optional coverage through Allstate, available via payroll deduction. Includes $1 million identity theft insurance.
  • Pet Insurance: Optional coverage through Nationwide, available via payroll deduction. Covers dogs, cats, birds, and similar pets.
  • Legal Plan: MetLaw (MetLife). Access to 14,000 plan attorneys nationwide. No copays or deductibles for covered services.
  • Workers' Compensation: Administered by The Hartford.

Professional Support

  • Reimbursement for California medical license, DEA, and credentialing fees
  • Up to $800 annually for professional society membership dues

Contract Structure

Your contract will be standardized through TUMG to ensure equity across all physician hires. Once you sign a Letter of Intent, formal documents from both TUMG and St. Joseph's Medical Center will be issued.

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