Evaluate Your Job Offers
Salary is one line of a contract. Enter the terms from each offer letter to see total compensation, pay per hour, and the clauses worth negotiating.
Sample offers. Set up your plan to save and compare your own offers.
| Year one | Nonprofit hospital Chicago, IL · hospitalist · 7-on/7-off · employed | Private group Dallas, TX · hospitalist · 200 shifts · partnership track |
|---|---|---|
| Base salary | $300,000 | $340,000 |
| Productivity bonus | $26,000 $52 per wRVU above 5,500; you expect 6,000 | $0 in year one |
| Sign-on bonus | $20,000 Repay a prorated share if you leave within 2 years | $30,000 Repay in full if you leave within 3 years |
| Loan repayment | $10,000/yr for 5 years Taxable income | None |
| Retirement | $13,040 match (4%) + 457(b) Non-governmental 457(b) | $10,200 match (3%) |
| HSA, CME | $1,000 + $4,000 | $0 + $5,000 |
| Total compensation | $374,040 | $385,200 +$11,160 |
| Clinical hours | 2,184 182 × 12-hour shifts | 2,400 200 × 12-hour shifts |
| Cash pay per hour | $149.27 | $141.67 |
| PSLF | Qualifies ≈ $127,860 forgiven, tax-free (from your RAP plan) | Doesn’t qualify |
| Malpractice | Occurrence policy No tail needed | Claims-made, tail not covered Ask what tail would cost you if you leave |
| Non-compete | 20 miles, 2 years | 30 miles, 2 years Covers most hospitals in the metro |
Nonprofit hospital
Chicago, IL · hospitalist · 7-on/7-off · employed
- Base salary
- $300,000
- Productivity bonus
- $26,000 $52 per wRVU above 5,500; you expect 6,000
- Sign-on bonus
- $20,000 Repay a prorated share if you leave within 2 years
- Loan repayment
- $10,000/yr for 5 years Taxable income
- Retirement
- $13,040 match (4%) + 457(b) Non-governmental 457(b)
- HSA, CME
- $1,000 + $4,000
- Total compensation
- $374,040
- Clinical hours
- 2,184 182 × 12-hour shifts
- Cash pay per hour
- $149.27
- PSLF
- Qualifies ≈ $127,860 forgiven, tax-free (from your RAP plan)
- Malpractice
- Occurrence policy No tail needed
- Non-compete
- 20 miles, 2 years
Private group
Dallas, TX · hospitalist · 200 shifts · partnership track
- Base salary
- $340,000
- Productivity bonus
- $0 in year one
- Sign-on bonus
- $30,000 Repay in full if you leave within 3 years
- Loan repayment
- None
- Retirement
- $10,200 match (3%)
- HSA, CME
- $0 + $5,000
- Total compensation
- $385,200 +$11,160
- Clinical hours
- 2,400 200 × 12-hour shifts
- Cash pay per hour
- $141.67
- PSLF
- Doesn’t qualify
- Malpractice
- Claims-made, tail not covered Ask what tail would cost you if you leave
- Non-compete
- 30 miles, 2 years Covers most hospitals in the metro
The trade-off
B pays $11,160 more a year but asks for 216 more hours, so A pays more per hour. A also keeps PSLF, worth about $127,860, and needs no tail coverage.
Next
Compare runs every offer through your whole plan: taxes in each city, loans, housing and savings. When you accept, the offer becomes your attending income; sign-on and start date go to the transition-year estimate, and PSLF eligibility to your loan plan.
Sample offers. Uses only the terms you enter; PGYield doesn’t provide salary benchmarks here. Have an attorney who reviews physician contracts read the final agreement.