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