For a complete list of benefits, vist the UofL Benefits Web site. As a fellow in the Division of Nephrology, you will receive: Health insurance plans are available with either single or family coverage. Professional liability insurance (malpractice) coverage. Long-term disability insurance coverage. Life insurance of two times the annual salary. Kentucky medical license fee renewals. Travel allowance to attend one national meeting per year. Annual textbook allowance. University ID and parking permit. Lab coats (3 beginning year in program)