How do I update our system to show that EOIs are required for certain coverage amounts?

To set up an Evidence of Insurability (EOI) rule on an existing plan:

  1. Go to the Benefits Setup Assistant > Manage Benefits > select the Disability or Life and AD&D coverage lines.

  2. Click the name of the plan you would like to update > Edit > Evidence of Insurability.

  • Evidence of Insurability Configuration: answer the questions in order to determine the settings and requirements

  1. Select whether your plan has a guaranteed issue amount.

  • If you have a guaranteed issue amount, select whether EOI requirements are different based on the employee's age

  1. 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.

  2. Answer the remaining EOI questions which will be asked per pay 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

  1. Select whether the maximum amount before an EOI is required is a flat dollar amount or a multiple of the employee's salary.

  • Enter the flat dollar amount or salary multiple.

  1. 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.

  1. Select what type of life event is required for an employee to qualify.

  2. 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

  1. Publish and Exit to save and finalize your changes.