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ERS Annual Enrollment - Evidence of Insurability

Evidence of Insurability (EOI)
for Plan Year FY2017

Key Things to Know:
  • Applying through EOI does not guarantee that coverage will be approved.
  • Coverage that requires EOI:
    • Optional Term Life Insurance enrollment and benefit increases
    • Dependent Term Life Insurance enrollment
    • Short-term Disability enrollment
    • Long-term Disability enrollment
  • Coverage that does NOT require EOI:
    • HealthSelect of Texas enrollment
    • Waive health insurance and selecting the Opt-Out Credit option
    • Dental enrollment and changes
    • Voluntary Accidental Death and Dismemberment (AD&D) Insurance enrollment and changes
    • Decrease or drop coverage

What is the EOI Process?

  • EOI process can only be initiated online
  • Paper applications are no longer accepted
  • Minnesota Life Insurance will be the underwriter for ALL EOI requests
  • When you elect coverage that requires EOI you will receive a pop up EOI message directing you to click the Initiate the EOI Online Request link at the top of the page
  • Once the Initiate EOI Online Request link is clicked, you select the coverage you want to enroll in, then you choose how you want to receive information from Minnesota Life.
    • Email or U.S. Mail:
      • If your email address is in ERS OnLine, you will receive an email from Minnesota Life with log in instructions and a link to their website to complete the online EOI application.
      • If your email address is not in ERS OnLine, you will receive a letter with instructions for accessing the online application on Minnesota Life’s website, as well as a pre-populated paper application.
  • You complete and submit either the online or the paper EOI application.
    • If you complete the online application, you receive an immediate response of being approved or further underwriting required.
    • If you complete a paper application, you mail or fax it to Minnesota Life, using the address or fax number on the application. You will then receive a response within two weeks of being approved or further underwriting required.
    • Members will be required to pay for any costs associated with producing the required documents to support the claim including provider charges for medical records.
    • ERS receives the EOI approvals and enrolls employee and any dependents in EOI approved coverage.
    • Employee approvals prior to 9/1/16, become effective 9/1/16. Coverage approved after 9/1/16, becomes effective the 1st day of the following month.