Evidence of Insurability (EOI)
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 |
|---|---|---|---|
| Medical | No | No | No |
| Dental | No | No | No |
| Vision | No | No | No |
| UT Flex | No | No | No |
| 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* |
| AD&D | No | No | No |
| Short-Term Disability | No | No | Yes |
| Long-Term Disability | No | No | Yes |
| 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.
EOI Deadline
| 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 |
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