Evidence of Insurability (EOI) is required for newly enrolled members electing a voluntary supplemental life benefit amount that is in excess of the plan guarantee issue (GI) amount. EOI is also required for members at time of annual enrollment for members who:
- did not elect voluntary supplemental life coverage when they were initially eligible and are now electing voluntary supplemental life coverage over the minimum amount; or
- want to increase their existing voluntary supplemental life benefit amount by more than one increment (if under the plan GI), or
- if they want to increase their voluntary supplemental life benefit amount over the plan GI amount.