Trainee Benefits/Agreement

Physician-in-Training Agreements


Subject to appointment and verification of eligibility, City of Hope offers the resident or fellow the Trainee and Affiliate Benefit Program. Details of coverage, co-payments, and options are provided in your orientation packet, in the Trainee Appointment letter, and on the website (

An overview of this comprehensive health program is comprised of several plans offered through nationally recognized insurance carriers. These plans are:
  • Aetna Medical HMO or POS
  • Kaiser Medical HMO
  • Aetna Dental DHMO and Aetna Dental DPPO
  • Voluntary EyeMed Vision PPO
  • Standard Life/AD&D Insurance
  • Standard Short-Term Disability Insurance
  • Standard Long-Term Disability Insurance
Retirement Plan: Optional 403(b) retirement plan is available if Trainee elects to contribute (this benefit is voluntary).  The 403(b) Tax Deferred Annuity Plan allows you to set aside money from your pay to save for retirement.  Your deferrals are taken on a pre-tax basis, so you do not pay taxes on the money or any earnings until you take a distribution from the plan.  This lowers your current taxes.

The Plan is administered by TIAA-CREF.  There are a variety of investment options from which to choose to build your own portfolio, or you can decide to invest in a Lifecycle Fund appropriate for your expected retirement year.  You have online access to your account 24/7 through the TIAA-CREF/City of Hope website ( or you can speak with a representative during business hours (800-842-2252).  You may also arrange to meet with a TIAA-CREF counselor in person at no cost to you to discuss your retirement needs.

You may defer up to the government limits each year.  You can start, stop or change your contribution amounts at any pay period by submitting a new Salary Reduction form.  Loans and hardship withdrawals are available in this plan. To enroll, first go to the TIAA-CREF/COH website and open an account.  Then print off a Salary Reduction form, sign it, and return it to Benefits and Employee Services.    

Supplemental Term Life Insurance: Additional term life insurance may be purchased by Trainee and dependents (this benefit is voluntary).
Employee Assistance Program:  Five (5) covered visits per year.