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 PlanInitial Benefits Enrollment for New EmployeesChange of Status EventAnnual Enrollment
MedicalNoNoNo
DentalNoNoNo
VisionNoNoNo
UT FlexNoNoNo
Term LifeYes, when applying for coverage at 4x, 5x, or 6x salary for self; or $25,000 or $50,000 for spouseYes, when applying for coverage at 4x, 5x, or 6x salary for self; or $25,000 or $50,000 for spouseYes, for any increase of coverage, except $10,000 dependent coverage*
AD&DNoNoNo
Short-Term DisabilityNoNoYes
Long-Term DisabilityNoNoYes
Long-Term CareYes for Spouse or other family members onlyYesYes

*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 OpportunityEOI Form SubmissionDeadline
Initial Benefits Enrollment for New EmployeesOnline form completed in My UT Benefits enrollment system31 days from your first date of employment for elections, with an additional 15 days to submit the EOI only
Change of Status EventPaper EOI form submitted directly to insurance company31 days from the date of your change of status event
Annual EnrollmentOnline form completed in My UT Benefits enrollment systemTypically August 15, although insurance selections must be made by the end of Annual Enrollment, which is typically July 31