Benefit Programs

These benefits are provided to county-paid residents at:

  • Harbor-UCLA
  • Kern Medical Center
  • LAC+USC
s

Incoming residents and fellows will need to review these benefits and complete the acknowledgement form below.

Click a section below to read more about your benefits

Short Term Disability (STD) Insurance

This coverage is negotiated by your union, CIR, and is automatically provided to all L.A. County and Kern County housestaff. It is fully paid for by your employer and the coverage will terminate once you complete training. To obtain personal coverage, please contact us to review your options.

  • Monthly benefit is 70% of your basic weekly salary up to $875 per week
  • Benefits begin on the 8th day after your disability begins
  • Benefits may continue through the 26th week of disability
  • Maternity is covered as an illness

This plan is self-insured through your union, CIR. All benefits and claims are administered through CIR’s benefits department. For any questions or to submit a claim, you may contact CIR’s Benefit Office at benefits@cirseiu.org or 212-356-8180.

Long Term Disability (LTD) Insurance

This coverage is negotiated by your union, CIR, and is automatically provided to all L.A. County and Kern County housestaff. It is fully paid for by your employer and the coverage will terminate once you complete training. To obtain personal coverage, please contact us to review your options.

  • Monthly benefit is $3,500 per month
  • Benefits begin on the 180th day after your disability begins (benefits start once short term benefits end)
  • Benefits may continue until you reach Social Security Normal Retirement Age (SSNRA) or recover, whichever occurs first
  • Maternity complications are covered as an illness

Disability is defined as your inability to perform your occupation for the entire benefit period. Benefits for certain disabilities, such as those for mental, nervous or emotional disorders, as well as substance abuse, may be limited. Please review the policy certificate for specific details.

For any questions or to submit a claim, you may contact CIR’s Benefit Office at benefits@cirseiu.org or 212-356-8180.

Guarantee Standard Issue (GSI) - Supplemental Coverage

You are eligible to apply for Specialty Specific disability coverage that provides you with a 10% permanent discount WITHOUT any medical screening. Benefits include:

  • Monthly benefit ranges from $2,500 – $10,000
  • Cost Of Living Adjustment (COLA) rider included
  • Partial Disabilty rider included
  • Optional student loan protection
  • Policies are non-cancelable and guaranteed renewable

This guaranteed policy may not be available to any applicant who has previously been declined coverage by another insurance carrier. If you have been declined, you may still be eligible to convert your LTD into an individual policy.

Student Loan Consultation - Discounted Rate for CIR Members

We offer comprehensive student loan consultations at a discounted rate of $179 for CIR members. This includes:

  • Complete review of your federal and private loans
  • Analysis of different repayment plans
  • Assistance with repayment plan selection
  • Projections of future payments and loan forgiveness
  • Refinancing suitability analysis
  • Introductions to competitive refinancing lenders.

To receive more information and sign up for a consultation, please visit: www.rivettifinancial.com/cir-loans

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Acknowledgement Form for Incoming Residents and Fellows

We ask all residents and fellows to complete this form in order to verify that they have received the information pertaining to their Short and Long Term Disability insurance benefits, the supplemental Guarantee Standard Issue (GSI) program, as well as the Student Loan Consultation Program.

Benefits Acknowledgement
If you don't see your specialty listed, please select "Other" at the end of the list.
Acknowledgment *

Contact

 818-878-7800

5737 Kanan Road, #730

Agoura Hills, CA 91301

CA Insurance License #0J08575

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Investment advisory and financial planning services are offered through Investment Adviser Representatives of Rivetti Investment Services, LLC, a Registered Investment Adviser. The information on this website pertaining to insurance products, investment advisory services, and/or financial planning services is intended only for distribution or use in states or jurisdictions where our companies, their products, and/or representatives are licensed, registered, approved, or excluded or exempted from registration requirements.