When is Evidence of Insurability Required?
Increasing voluntary life insurance for yourself or your spouse, or employees adding short or long term disability requires Evidence of Insurability (EOI) in My UT Benefits. EOI is an online health questionnaire that the insurance company uses to verify if a person meets the definition of good health. To complete EOI, you will need to provide physician names and contact information (address and phone number), current medications, treatment plans and medical issues.
You have until August 15 to complete EOI in My UT Benefits. Elections for insurance must be made by July 31. You will receive notification after the insurance company makes the EOI determination or if they need additional information. If your EOI is approved by the insurance company, the requested insurance will become effective on the later of September 1 or the first of the month following the approval date (if Evidence of Eligibility (EOE) is also required for your spouse, EOE must also be approved). If your EOI is not approved, the requested insurance will not become effective and you will not be charged premiums for it.
EOI is required for Long Term Care, with the exception of employees who are not currently enrolled and elect the new plan. You must enroll directly with the insurance company, CNA, by August 15. You may visit the CNA website to enroll online, if you are an employee, or to print an application if you are an employee, retiree or eligible family member. You may contact CNA customer service for assistance at (888) 825-0353.
Evidence of Insurability Requirements
|Life||For any increase of coverage, except $10,000 dependent coverage*||For any increase of coverage|
|Short Term Disability||Yes||N/A|
|Long Term Disability||Yes||N/A|
|Long Term Care||This year only, employees who aren’t currently enrolled may elect the new plan without EOI. Family members must complete EOI.||Yes|
*You must have coverage of at least 1x salary in order to enroll your dependents for $10,000 coverage.