TSS - Evidence of Insurability

Evidence of Insurability

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First Published  :Mon Nov 02 21:12:45 GMT 2015
Last Modified  :Thu Mar 29 20:50:21 GMT 2018
Last Published  :Thu Mar 29 20:50:21 GMT 2018
Summary :  Cases where employees may need to complete an Evidence of Insurability document


Primary Information

    There may be instances where an employee must complete an Evidence of Insurability (EOI) document.  These instances include enrollment in these benefits:

    New Hires:
    *  Supplemental Employee Life Insurance –  Amounts in excess of the lesser of 3 times your annual base salary or $750,000 require Evidence of Insurability as a New Hire.
    New Hires will follow the online process described below.

    Open Enrollment:
    *  Supplemental Employee and Dependent Life Insurance and/or Long Term Disability - All applications to become newly enrolled or change to increase the amount of Supplemental Employee, Dependent Life or LTD insurance will require an online EOI process (see below) to be completed and approval from the insurance company.

    Evidence of Insurability (EOI Process): 
    Prudential will contact employees directly to initiate the EOI process. Every Tuesday, and at the end of Open Enrollment, a file feed is sent from TSS to Prudential for New Hires so that Prudential has the list to contact.  Click here for a sample of the email that Prudential will send. On the email you will find the website (www.prudential.com/eoi), Tufts control number (0046943) and more information.  The employee will log into the website, register, and complete a Short Form. If additional information is required, a Long Form will appear on the screen. Once the screens are completed, the information is sent directly to Prudential.  You do not need to take any further action, as Prudential will advise you whether or not coverage is approved and will also update the Benefits group so that payroll deductions can begin. 

    *Note if you apply for additional Supplemental Life of either 4x or 5x salary during Open Enrollment, but it is not approved, you will NOT get a lower Supplemental Life. Only NEW HIRES who have enrolled in 3x Supplemental Life  and also apply for higher Supplemental life during the New Hire period will be enrolled with the minimum of 3X if their application for  4x or 5x is denied. The below applies only to NEW HIRES and NOT during Open Enrollment:
     Note: As a new hire or newly Benefit Eligible Employee, you can elect up to 3 times your base annual salary (to a maximum of $750,000) without EOI. If applying for coverage for 4 or 5 times your salary, it is required that you elect coverage equal to 3 times your salary on eServe in conjunction with submitting this request. This will insure that regardless of the decision by Prudential, you will be enrolled for at least 3 times your salary.


Related Information

    Prudential Phone:  888-257-0412



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