Evidence Of Insurability

Evidence of Insurability (EOI) is documentation — typically a health questionnaire or medical examination — that a life or disability insurance carrier requires before approving coverage above certain limits or outside of guaranteed-issue windows. In group benefits administration, EOI is most commonly triggered when an employee elects coverage above the guaranteed-issue amount, joins after the initial open enrollment window, or is reinstating lapsed coverage after a break. The HR administrative responsibility is communicating clearly to employees when EOI is required, how to submit it, and the timeline — because many employees elect coverage amounts that require EOI without realizing their coverage is conditional on approval, discovering the limitation only when they need to file a claim.