Evidence of Insurability (EOI)
Optional and Dependent Term Life Insurance and the Texas Income Protection Plan
What is EOI?
Proof of good health, also known as evidence of insurability (EOI), is an application process in which you provide information on the condition of your health or your dependent’s health to get certain types of insurance coverage.
The following information applies to EOI for Optional and Dependent Term Life Insurance, administered by Minnesota Life, and short- and long-term disability insurance offered through the Texas Income Protection Plan (TIPP), administered by Aon Hewitt. EOI for both Optional/Dependent Term Life Insurance and TIPP is managed by Minnesota Life.
Who is required to provide EOI?
An active employee needs EOI to add coverage or make coverage changes during eligible periods:
- when enrolling in Optional Term Life Insurance at Election 3 or 4,
- when enrolling in or increasing Optional Term Life coverage due to a qualifying life event (QLE) after the first 31 days of employment,
- when enrolling in TIPP due to a QLE after the first 31 days of employment, or
- during Annual Enrollment, when enrolling in Optional Term Life Insurance or TIPP, or increasing Optional Term Life Insurance.
Please note that EOI is not required within the first 31 days of hire/rehire/transfer to elect Optional Term Life at Election 1 or 2, or to enroll in TIPP. The 31-day period includes the first day of employment.
A retiree who waived Optional Term Life Insurance as an active employee needs EOI when applying for Fixed Optional Life ($10,000) coverage at any of the three available times:
- within 31 days of retirement,
- within 31 days of a QLE, or
- during Annual Enrollment.
Please note that retirees can apply for Fixed Optional Life coverage only during these three times and must provide EOI in all cases. (Retirees are not eligible for Optional Term Life Insurance if they did not participate before retirement and, if they did participate, can continue only at Election 1 or 2.)
A dependent needs EOI when applying for Dependent Term Life Insurance at the following times:
- when enrolling as a dependent who is not newly acquired/eligible within 31 days of a QLE,
- when enrolling for the first time upon a member’s retirement (within 31 days of the retirement date), or
- during Annual Enrollment.
Please note that EOI is not required within the first 31 days of the employee’s hire/rehire/ transfer or within the first 31 days of a dependent’s becoming newly acquired or eligible. A retiree’s dependent who has Dependent Term Life Insurance on the day of retirement from state employment may keep it in retirement as long as he or she remains an eligible dependent.
How do I go through the EOI process?
Follow these steps:
You can enroll in or make coverage changes to Optional or Dependent Term Life Insurance or enroll in TIPP online or by working with your benefits coordinator.
To enroll or make coverage changes online:
- Log in to your ERS account from the sign in link at the top of the page.
- At the Member Home Page, click on the appropriate action under My Insurance Information. (If you need to add a new dependent to your ERS account, you can do it here.)
To enroll or make coverage changes working with your benefits coordinator:
- Get a Benefits Election Form from your benefits coordinator.
- Fill it out completely, indicating what coverage you are applying for or changing, and sign it. Be sure to include your email address if you want to receive communications from Minnesota Life by email (which will include information and a link for submitting EOI online).
- Return it to your benefits coordinator. Your benefits coordinator will enter the information and indicate if you prefer to receive your EOI application by mail or email.
Securian, the same company as Minnesota Life, will send you a letter or email (if they have your email address) with instructions for submitting EOI. You should receive the email within five business days; the letter will take longer.
Whether you receive a letter or email, you will be encouraged to submit your EOI application online. This process is faster and easier than mailing or faxing your completed EOI application. If you choose to mail or fax your EOI application, however, the letter also will include a paper application, and the email will include a number to call Minnesota Life to request a paper application.
Whether you choose to apply for EOI online or via mail/fax, the application you access online or receive in the mail should be pre-populated with your information. Answer EOI questions truthfully and thoroughly. The Employees Retirement System of Texas (ERS) vigorously enforces laws against participants who try to defraud the Texas Employees Group Benefits Program (GBP). Providing false answers on an EOI application for any GBP coverage is a violation of state insurance laws. You could have your coverage cancelled and be expelled from the GBP.
Review the EOI application to make sure you’ve left nothing blank. Missing information will slow down the processing of your application.
Submit your online EOI application as instructed on the form or website. Or, if you choose to submit a hard copy, mail it to the postal address or fax it to the number provided by Minnesota Life when they sent the paper application. If Minnesota Life does not receive the EOI application within 30 days, your coverage will remain at your current level and will not change. You can reapply for coverage during the next enrollment opportunity.
If you submit your EOI online, Minnesota Life’s real-time underwriting response will let you know immediately if you have been approved or if further underwriting is required and what to expect next. If you send your application via mail or fax, you will hear from Minnesota Life within two weeks. Minnesota Life will notify you and ERS of the approval or denial of your Optional/Dependent Term Life Insurance and/or short- or long-term disability insurance. (Minnesota Life will not share your medical history information, which is confidential, with ERS.) ERS will enter your information into the system. If you’ve been approved, your coverage will start the first of the month after notification.
If you have any questions about the EOI process, please contact Minnesota Life toll-free at (877) 494-1716. Representatives are available 8 a.m. - 5 p.m. Central time, Monday - Friday.