How can I add an EOI (Evidence of Insurability) rule to a plan?

Employees are required to complete an Evidence of Insurability (EOI) document proving that they are in good health if they elect a benefit amount over a specific amount for certain voluntary life and disability plans.

Note: the maximum allowable amount without an EOI is known as the Guaranteed Issue (GI), and an employee's benefit will remain at the GI amount in the event they do not submit an EOI form (or the EOI form is not approved by the carrier). 

 To set up an Evidence of Insurability rule on an existing plan, you'll need to edit the plan's configuration:

1. Click Manage Benefits from the springboard on your HRIS homepage.

2. Select the Disability or Life and AD&D coverage lines from the navigation bar to view your past, current, and future benefits plans. 

3. Locate the plan you would like to update, click the three dots (...) next to the plan, and click Edit.

4. Next, click the Evidence of Insurability tab; from here, you can update your EOI rules and details.  Helpful details for this page include:

   • Guaranteed Issue: if you have a guaranteed issue amount, you’ll be prompted to select whether EOI requirements are different based on the employee's age.

   • EOI Based on Employee Age: if your EOI requirements are different based on the employee’s age, select the EOI age groups from the dropdown, or select Other to set up your own unique age group configuration.

     Note: after you have completed setting up your age groups, the remaining EOI questions in this section will also be asked per age group. The initial EOI and update threshold amounts are asked for each age band, while the late threshold is only asked once and applies to all age groups.

   • Flat Dollar vs. Multiple of Employee Salary: depending on your selection, enter the flat dollar amount or salary multiple.

   • Update Threshold: select whether employees already enrolled in this coverage are allowed to increase their benefit without providing an EOI.  If you select Yes, enter the amount employees can increase by without additional documentation being required.

   • Life Events: select what type of life event is required for an employee to qualify.

   • Late Entry: select whether employees who have declined coverage can enroll at a later date without providing an EOI for a certain threshold. If you select Always, employees will be required to submit an EOI for any amount; if you select Above a certain amount, enter the amount above which an EOI is required.

5. Once you have completed your updates, click Publish & Exit to finalize and save your changes.