Evidence of Insurability
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 and/or your dependent’s health to get certain types of insurance coverage.
- New Hire (Or Newly Eligible)
As a new hire (or newly eligible employee), you can elect up to the guaranteed issue (GI) for optional life insurance without EOI.
- For optional employee life insurance, the GI is $500,000.
- For optional spouse or domestic partner life insurance, the GI is the lesser of $50,000 or 50% of your optional employee life insurance.
At time of hire, you can also elect Voluntary Short-Term Disability coverage without having to submit EOI.
Amounts elected above the GI will require EOI. If you elect optional life coverage over the GI, you will be enrolled in a maximum of $500,000 or $50,000 until EOI is approved.
- Qualified Life Events
If you experience certain qualified life events (e.g., marriage, birth, adoption, divorce, death of a dependent), you can elect optional employee and spouse/domestic partner life coverage up to the guaranteed issue (GI) of $500,000 for optional employee life and up to the GI of $50,000 for optional spouse/domestic partner life without EOI. Any amount elected over the GI will require EOI.
During those applicable qualifying life events, you can also elect Voluntary Short-Term Disability coverage and/or uncap basic life over $50,000 (if you previously waived coverage over $50,000) without having to submit EOI.
- Annual Open Enrollment
During annual open enrollment, employees who have $250,000 or more in optional employee life insurance can increase their optional employee life coverage up to $500,000 without EOI. Employees with less than $250,000 can only increase coverage by $250,000 during annual open enrollment. Any amount over $500,000 requires EOI.
Employees can also elect up to $50K in optional spouse life insurance without EOI during annual open enrollment. Any amount over $50,000 requires EOI.
If you previously waived Voluntary Short-Term Disability coverage or waived your basic life insurance over $50,000 and decide to elect VSTD and/or uncap basic life during annual open enrollment, EOI will be required.
- How to Submit EOI
If you make elections that require EOI, you will be directed to Lincoln Financial's portal by the benefits enrollment system to complete your EOI. You can also access the EOI application at go.gwu.edu/mlp.
You have 30 calendar days from your life event election date to submit your EOI application. If electing during annual open enrollment, you have 30 calendar days following the end of open enrollment to submit your EOI application.
If Lincoln Financial requires supporting medical documentation to process your EOI application, you will have 60 calendar days from the date that Lincoln requests that documentation to submit the supporting documentation.
Please note that if coverage has been denied due to EOI in the past, any new election of voluntary STD or new elections or increases to optional employee and spouse life will require EOI