Benefits to Postdoctoral Scholars vary according to the type of appointment. Due to IRS restrictions placed on non-taxed fellowships, retirement benefits are not allowed for Postdoc Trainees (Status Code 20). VIVA Health Insurance coverage is provided at no cost to the Postdoc with the option of purchasing the dental and vision portion of the insurance plan. Because of their unique status as “Trainees” who do not receive a salary but rather a stipend, these Postdocs are eligible for student housing.

Postdoc Employees (Status Code 21), because of their employee-employer relationship with the University, receive a salary. VIVA Health Insurance is available for purchase for UAB Postdocs with the additional option of purchasing the dental and vision portion of the insurance plan. Status Code 21 postdocs are not eligible for student housing.

  • Employment Category

    Status Code

    UAB paid Accidental Death and Dismemberment Insurance

    Employee paid Accidental Death and Dismemberment Insurance

     

    Postdoctoral Scholar Trainee

    20

    Yes

    Yes*

     

    Postdoctoral Scholar Employee

    21

    Yes

    Yes*

     

    Employment Category

    Status Code

    TIAA-CREF Retirement

    Viva Health Insurance

    Dental and Vision Insurance

    UAB paid Group Term Life Insurance

    Postdoctoral Scholar Trainee

    20

    No

    Yes

    Yes*

    Yes

    Postdoctoral Scholar Employee

    21

    Yes

    403(b) Plan matched up to 5% of salary

    Yes**

    Yes*

    Yes

    *Individual pays premium
    **Individual pays premium effective December 1, 2016
  • Please see the links below for a full list of benefits offered by UAB including current rates.

  • Viva Health Insurance - VIVA Health is the health care plan for Postdoctoral Trainees (status code 20) and Postdoctoral Employees (status code 21). Coverage under UAB's group health care plan must be elected on either the first day of appointment or the first day of the month following the date of appointment. The Postdoc has 31 days from their starting date to complete hospital insurance forms either by participating in UAB New Hire Orientation or by scheduling an appointment with the Benefits Department. Some form of health insurance coverage is mandatory and proof of insurance is required if the University's health insurance is not elected. VIVA Health also covers medical evacuation and repatriation of remains for International Postdoctoral Scholars.

    Group Term Life InsuranceProvided at no cost to the employee; varies with salary. (Sponsored)

    Accidental Death and Dismemberment Insurance - $22,500.00 for accidental death; dismemberment coverage varies. Provided at no cost to the employee. (Sponsored)

    Long Term Disability Insurance (Salary Continuation) – After a 90-Day waiting period, 66 2/3% monthly salary (not to exceed $10,000.00 per month) for the first 90 days of benefits. After 90 days of continued benefits, plan pays 60% monthly salary (not to exceed $10,000.00 per month). Proved at no cost to the employee. (Sponsored)

    Retirement Plans Voluntary Retirement Programs
    • 403(b) Plan
    The 403(b) plan is a voluntary, defined-contribution, tax-deferred as well as Roth after-tax plan governed by the Internal Revenue Code 403(b). Eligible employees can choose between both TIAA/CREF and VALIC for investments. Vesting in the 403(b) plan is immediate. The University matches the individual’s contributions up to 5% of gross monthly pay not to exceed the IRS 401(a) annual compensation limit.
    • 457(b) Plan UAB also offers a voluntary, defined-contribution, tax deferred as well as Roth after-tax plan governed by Internal Revenue Code 457(b). Similar to the 403(b) plan, the 457(b) plan offers the same expanded investment options, convenient payroll deductions, pre-tax contributions, and tax-deferred growth through both TIAA-CREF and VALIC. There are no University matching contributions under this plan.

  • Postdoctoral Met Life Dental Basic Option - Preventive and diagnostic are covered at 90% UCR. Basic services are covered at 90% UCR subject to a $25.00 deductible. The Postdoc will pay a monthly premium for single or family coverage.

    Postdoctoral Met Life Dental Comprehensive Option- In addition to the basic dental benefits, the comprehensive plan covers major services at 60% UCR subject to the deductible. Orthodontic services are covered at 50% of UCR up to a $1,000.00 per patient lifetime maximum. The Postdoc pays the full monthly premium for single or family coverage.

    Vision Service Plan (VSP) Vision Plan – The VSP plan offers employees coverage for routine eye exams, lenses and frames, contacts, and discounts for LAKIK eye surgery. The Postdoc pays the full monthly premium for single or for family coverage.

    Group Universal Life Insurance Coverage- Maximum Coverage – Up to five times your Basic Annual Earnings, not to exceed $1.4 million.Guaranteed Issue - Three (3) times salary, not to exceed $500,000.00 during first 60 days of employment without evidence of insurability. Individual pays full premium. Rates vary based on age.

    Accidental Death and Dismemberment Insurance - Maximum Coverage – lesser of 10 times your basic annual earnings or $500,000.00. Individual pays full premium. Rates vary based on coverage level.

  • Vacation Leave- Six months after the effective appointment date, all Postdoctoral Scholars are eligible for ten (10) paid working days per year. Vacation days do not accrue and cannot be carried over from year to year. All requests for vacation leave should be made in writing and must be approved by the direct supervisor. Postdoctoral Scholars and their supervisors are responsible for maintaining appropriate records.

    Sick Leave
    - Ten (10) paid working days per year. Sick leave should not be used as vacation. Sick days do not accrue and cannot be carried over from year to year.

    Maternity/Paternity Leave - Twenty-two (22) paid successive working days immediately following or just prior to birth or adoption of a child. If both spouses are employed as Postdoctoral Scholars, each one is eligible for a consecutive term of maternity/paternity leave. Additional, non-paid leave, following the provisions of the Family Medical Leave Act, must be requested and approved by the supervisor and UAB.
  • Postdoctoral scholars at UAB appointed via the Office of Postdoctoral Education as either postdoc trainees (status 20) or employees (status 21) may be eligible for an Education Related Student Loan Deferment under most federal loan programs, including Stafford, Perkins and similar loans. The specific qualification requires that the postdoc be "engaged in a full-time course of study in a Graduate Fellowship program”. To be eligible, the Graduate Fellowship program must:

    • provide sufficient financial support to allow for full-time study for a period of at least six months
    • require, prior to awarding of financial support, a written statement from each applicant that explains the applicants objectives
    • require a graduate fellow to submit periodic reports, projects, or other evidence of the postdoc's progress
    Lending agencies may differ in their deferral requirements, and therefore will make the final determination of eligibility.

    Forms should be submitted for signature of a University Official to our office at postdocs@uab.edu
  • Employee Emergency Assistance Program

    Employee Emergency Assistance allows a portion of the funds collected by the UAB Benevolent Fund Campaign to remain here helping UAB employees who need financial assistance due to a crisis situation in their lives.

    Read more

    UAB Perks

    All discounts are for current UAB staff and faculty and you must present your UAB Employee Badge at time of redemption for most vendors. Other vendors may require additional information (discount code, email address, etc.) to verify employment at UAB.

    Read more

    UAB Employee Assistance & Counseling Center

    The UAB EACC offers free, confidential support services for UAB Postdocs and members of their immediate household. A dedicated team of certified counselors, an extensive collection of online resources and a schedule of programs and events are designed to help you identify, understand and resolve work-related and personal issues to help you achieve a successful work/life integration. Available services include individual, couples and family counseling, financial advisement, educational and stress management programs and access to a collection to online resources.

    Read more

    Legacy Community Federal Credit Union Credit Card

    The Office of Postdoctoral Education is very happy to announce that the Legacy Community Federal Credit Union will offer the opportunity to obtain a credit card to newly-arrived foreign nationals. A Postdoc should go to either of the locations near UAB – 1400 South 20th Street or 516 South 20th Street to open an account for as little as $25.00. The application requires a social security number, the Letter of Offer showing salary and start date, and another identification such a passport, driver’s license, or US government or military ID.

    Subject to approval and the terms and conditions of Legacy Credit Union.

    Loans

    Another service that the Legacy Community Federal Credit Union can provide for Postdocs is help with unplanned cash flow shortages. A new UAB Postdoc can exhaust their available funds quickly when paying deposits on rent, utilities, etc. and may require a small loan to tide him or her over until they are in the UAB system and receive a paycheck. The Legacy Community Federal Credit Union again can help with this problem. Open an account with them for as little as $25.00, provide an ID as mentioned previously, social security number, Letter of Offer, complete the application and they will begin the process. The Legacy Community Federal Credit Union will not eliminate anyone from their services because of lack of credit history, but will need to know, as all financial institutions do, that an individual’s ability to repay a loan or pay a credit card bill is not hindered from excessive debt. They will need documentation showing salary and have agreed to accept the letter of offer as proof. The application for a loan or credit card will ask about any debt amount owed. After comparison of these two figures, they will determine qualification and notify the applicant about the requested service. For a Foreign National Postdoc acquiring the necessary credit history for a credit card can sometimes take years so we believe that this is a wonderful opportunity for newly arrived Postdocs and are very happy to present this offer to you from the Legacy Community Federal Credit Union.

    Subject to approval and the terms and conditions of Legacy Credit Union.