Housestaff Benefits


University of Colorado Residents are provided with excellent benefits. Given the cost of living in Denver, the housestaff salaries are very competitive with other major cities in the U.S. In addition, our benefits package for individuals and especially families is extremely generous when compared with most employer based plans. For a detailed list of benefits, please visit our Graduate Medical Education website.

Health Insurance

  • In or out-of-network reimbursement options
  • Prescription drug program

Dental Insurance

  • Preventive, basic and major dental service levels
  • Deductible ($50.00 per person/$100.00 per family) waived for preventive services

Disability Insurance

  • Monthly disability benefits payable beginning the 91st day of disability
  • Monthly benefit amount based on PGY level and ranges from $3000-$4000
  • Coverage available to resident only.  

Life Insurance  

  • $50,000 term life insurance
  • Additional $50,000 for accidental death or dismemberment
  • Terminally ill accelerated benefits
  • Coverage available only to residents (no monthly premium contribution)

Vision An optional vision plan with a nationwide company is available to residents and their dependents through payroll deduction.

Flexible Spending Account Optional participation in the CU Flex Plan, an IRS Section 125 flexible benefit plan, is available. This reduces taxable income by allowing payment for eligible out-of-pocket health care and/or dependent care expenses from a pre-tax account.

Tax Defered Annuity Program Residents with the University of Colorado Graduate Medical Education are eligible to participate in an optional 403(b), PERA 401(k) and/or 457 voluntary retirement savings plan.

  • Opportunity to invest towards retirement in addition to social security
  • No income taxes on investment or interest earned until money is withdrawn from the investment program
  • Reduce current taxable income

Professional Liability Coverage University of Colorado Graduate Medical Education residents have professional liability coverage for acts within the course and scope of their Graduate Medical Education responsibilities.



  • Residents are granted 21 calendar days of paid vacation per year


  • Residents PGY-II and above receive up to seven calendar days for paid educational leave

Leaves of Absence

  • For family and/or medical related leave of absence, resident may be granted up to 12 weeks of leave during a 12-month period. Leaves of absence are determined on a case-by-case basis.


Malpractice Insurance and Professional Liability Coverage As members of the University of Colorado School of Medicine Housestaff, you are covered for acts within the course and scope of your employment with the University of Colorado. This coverage would include the practice of approved residency activities at the University of Colorado Hospital, at any affiliate institution and at any out-of-state institution (with prior approval of department and Associate Dean of GME) as part of your educational program. Professional liability coverage is provided to residents as a benefit of employment.

Discounts The University of Colorado residents are eligible for employee discount offers, a discount program for everyone on campus with no membership fee. Check the Human Resources website often because it changes frequently with additions and a variety of discounts, some of which may have downloadable coupons. The site may offer loan incentives, new housing incentives, fitness club discounts, etc.



Graduate Year
Annual Stipends


For further information regarding benefits, refer to respective portion of the GME website, or call GME benefits at 303-724-6024.