Stipend & Benefits
MaineHealth residents and fellows have access to all of the benefits afforded to regular employees; including health insurance, disability, dental and vision insurance. MaineHealth also pays for professional liability insurance for all residents and fellows.
Resident and fellow salaries are closely benchmarked to national and regional standards, as described by the AAMC. Residents also enjoy free membership at a local gym and some on-site exercise equipment located in the house officer lounge. Our tuition reimbursement program is available to offset some cost for residents/fellows pursuing advanced degrees or training certificates during training. The institution also funds a long-standing house officer loan program, offering up to $4,000 for house staff in need. This loan is interest-free during training.
MMC offers a comprehensive and competitive employee benefits program for eligible employees.
Benefits for full-time employees* include:
- Health Insurance
- Dental Insurance
- Vision Insurance
- Flexible Spending Accounts
- Basic Life and Accidental Death and Dismemberment
- Voluntary Life Insurance
- Disability Insurance
- 403(b) Retirement Plan
- MMC Pension Plan
- Section 529 Plan
- Employee Assistance Program
- Tuition Assistance
- Paid Time Off
- Employee Discount Program (i.e., discounted homeowners and auto insurance through participating providers as well as a variety of products and services offered through local and national companies)
*Pro-rated benefits are offered to all employees working 20+ hours per week.
Vacation and Sick Time
Each resident physician may take up to 21 working days of vacation. Residents may roll over up to 3 days into the next academic year; all other unused days are forfeited. Weekend days and holidays, which are not scheduled workdays, are not included within the 21 day allotment.
All residents have 10 days (80) hours of sick time. At the third post-graduate year and each year thereafter, residents accrue an additional 5 days per year, to a maximum of 35 days.
Residents are eligible for a leave of absence for absences in excess of two weeks. A combination of both vacation and sick time may be used towards the leave.
Specialty-specific ACGME requirements and Specialty Boards may have additional conditions and limits to total time away from the residency program. Residents and fellows also get sick time and may request leaves of absence. MMC GME is in full compliance with the new ACGME requirements for resident/fellow leave of absences.
MaineHealth 403(b) Retirement Plan
An employer sponsored retirement plan which allows participants to contribute a portion of their salary on a pre-tax or post-tax (Roth) basis.
Years of Service
| Employer Core
|| Employer Match
|| Grand Total
| 0-4 years
| 5-9 years
| 10-14 years
| 15-19 years
| 20+ years
Employer Core & Matching Contributions**
- Eligible upon hire
- Employer will contribute 2 percent of pay to the plan, increasing by 1 percent for each five years of service, to a maximum of 6 percent for Core contribution.
- Employer will match 50 percent on the dollar on the first 4 percent of pay employee contributes for Matching contribution.
- New employees are automatically enrolled in the plan at 3 percent and have the opportunity to contribute a percent of pay up to the annual IRS maximum for regular and catch-up contributions (if age 50 or older).
**Up to the IRS maximum
House Staff Stipend Schedule: AY 23-24
*These amounts are effective 07/01/2023, however, all MMC budget proposals are subject to Maine Medical Center and Maine Health Board of Trustees approval for the coming fiscal year.
Maine Medical Center Residency Stipends
Maine Medical Center Fellowship Stipends
Maine Medical Center is committed to providing adequate financial support of residents/fellows so that they are able to fulfill the responsibilities of their educational programs. Resident/fellows’ stipend will correspond to the level of training the trainee is assigned to, such that a resident/fellow is paid for the program year job they are doing.
All residents/fellows will receive either a full or partial stipend from MMC. All residents/fellows will be provided with a written contract outlining the terms and conditions of their appointment to the MMC residency program. This written contract will not require the trainee to sign any agreement not to compete with MMC after leaving its residency program. Resident applicants will be informed in writing of the benefits for residents. The cost of benefits will follow MMC employee guidelines for full vs. part time employees, regardless of schedule.
Consistent with the MMC Leave of Absence Policy for Residents, if a resident takes an approved leave of absence prior to their last year of postgraduate training, advancement to the next postgraduate level, and the subsequent commensurate increase in pay level, will occur when the resident satisfactorily completes the postgraduate level during which the leave of absence occurred.
Changes in the yearly GME budget [i.e., FTE positions] should be budget-neutral, while acknowledging the need for flexibility due to special or unusual circumstances. No resident interdepartmental transfer requests will be allowed unless the “donating” department is willing to give up that resident slot going forward, or the “accepting” department has an open slot; if the accepting department is at full complement, it must decrease one slot the subsequent year. Any increase in resident complement which is not budget-neutral can be waived if other institutional or external funding can be secured for the GME budget for the total number of additional resident years.
Maine Medical Center will commit salary support for any resident or fellow who needs to extend their residency or fellowship program to meet board accreditation requirements.