Evidence of Insurability (EOI)

Evidence of Insurability (EOI) is an application process in which past and present health information of an applicant is provided to the Carrier in order to determine eligibility for insurance coverage.

Applications are either approved or denied based on the information requested and received. Approval by the Carrier is not guaranteed.

When EOI is required

Insurance Plan	Initial Benefits Enrollment for New Employees	Change of Status	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 in 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

EOI Deadline

Enrollment Opportunity	EOI Form Submission	Deadline
Initial Benefits Enrollment for New Employees and Change of Status Event	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.
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.