Evidence of Insurability (EOI) is a record of a person’s past and current health events. It's used by insurance companies to verify whether a person meets the definition of good health.
When to complete an EOI
|Insurance Plan||Initial Benefits Enrollment for New Employees||Change of Status Event||Annual Enrollment|
|Term Life||Yes, when applying for coverage at 4x, 5x, or 6x salary for self; or $25,000 or $50,000 for spouse||Yes, when applying for coverage at 4x, 5x, or 6x salary for self; or $25,000 or $50,000 for spouse||Yes, for any increase of coverage, except $10,000 dependent coverage*|
|Long-Term Care||Yes for Spouse or other family members only||Yes||Yes|
*The employee must have voluntary group term life coverage of at least 1X salary in order to enroll an eligible dependents for $10,000 term life coverage.
|Enrollment Opportunity||EOI Form Submission||Deadline|
|Initial Benefits Enrollment for New Employees||Online form completed in My UT Benefits enrollment system||31 days from your first date of employment for elections, with an additional 15 days to submit the EOI only|
|Change of Status Event||Paper EOI form submitted directly to insurance company||31 days from the date of your change of status event|
|Annual Enrollment||Online form completed in My UT Benefits enrollment system||Typically August 15, although insurance selections must be made by the end of Annual Enrollment, which is typically July 31|