Please follow these instructions when Evidence of Insurability (EOI) is required.
Basic Life, Accidental Death & Dismemberment insurance - All eligible employees qualify for benefits after serving a waiting period. No EOI is required.
Additional Life and Dependents Life Insurance for your Spouse/Domestic Partner and for your Child(ren) - You can automatically purchase up to $100,000 of Additional Life insurance and choose any one of the three Dependents Life options for your spouse/domestic partner and/or child(ren). The amount of your Dependents Life coverage (spouse/domestic partner and child separately) may not exceed 100 percent of your employee paid Additional Life coverage. No EOI is required. However, any amount of Additional Life insurance over $100,000 will require EOI.
Note: If both you and your spouse/domestic partner work for Hennepin County, only one employee can insure the dependent child(ren). Additionally, no Dependents Life coverage will be provided if the dependent spouse/domestic partner works for Hennepin County or the dependent spouse/domestic partner is a member of the armed forces (military) for any country.
Dependents Life Insurance - A spouse/domestic partner may be added without EOI, if added within 31 days of becoming an eligible dependent. Children may be added without EOI.
Additional Life Insurance - For elective increases to your Additional Life coverage, EOI will be required. For example, if you are insured for $70,000 and want to increase your coverage to $80,000, you would need to provide EOI. If you are declined for the increased coverage, both the Basic Life and the prior Additional Life amounts ($70,000 in this example) will continue to be in force.
Short Term Disability - If you drop STD coverage and want to enroll again EOI will be required. EOI is not required if this is your first time enrolling in STD coverage.
Dependents Life Insurance - If you would like to increase your optional Dependents Spouse/Domestic Partner Life insurance or purchase the coverage for the first time (outside of a change in family status) medical evidence will need to be provided for the spouse/domestic partner electing coverage. The new or increased amount of optional Dependents Life insurance will not become effective until the date EOI is approved.
Note: If you are required to submit EOI, please complete a Medical History Statement.