Skip to Content

‚ÄčEvidence of Insurability

What is Evidence of Insurability (EOI)?

EOI is an application process in which you provide information on the condition of your health or your dependent's health in order to be considered for certain types of insurance coverage.

EOI is required for any life and/or disability insurance elections made after your first 31 days of employment.

  • Short-term and long-term disability insurance is offered through the Texas Income Protection Plan (TIPP), administered by ReedGroup.
  • ‚ÄčOptional and Dependent Term Life insurance is offered through Minnesota Life Insurance Company, an affiliate of Securian Financial Group, Inc. (Securian).
  • EOI for short- and long-term disability coverage is managed by Guardian Life Insurance. Life insurance is managed by Minnesota Life, an affiliate of Securian Financial Group, Inc.

How do I provide EOI?

Step One:

You can enroll in or make coverage changes to Optional or Dependent Term Life Insurance or enroll in TIPP online or by working with your benefits coordinator.

To enroll or make coverage changes online:

  1. Log in to your ERS account from the, Access My Account link at the top of the page.
  2. At the Member Home Page, click on the appropriate action under My Insurance Information. (If you need to add a new dependent to your ERS account, you can do it here.)

To enroll or make coverage changes working with your benefits coordinator:

  1. You will need to get a Benefits Election Form from your benefits coordinator.

  2. Fill it out completely, indicating what coverage you are applying for or changing, and sign it. Be sure to include your email address if you want to receive communications from Securian by email (which will include information and a link for submitting your EOI online).
  3. Return it to your benefits coordinator. Your benefits coordinator will enter the information and indicate if you prefer to receive your EOI application by mail or email.

If you have provided your email address, Securian will send you a letter confirmation via email with instructions for submitting EOI. You should receive an email within five business days; the letter will take longer to process.

Whether you receive an email or, you are encouraged to submit your EOI application online. This process is faster and more efficient than mailing or faxing your completed EOI application. If you choose to mail or fax your EOI application, the letter will also will require a paper application. The email will include a number to call Securian to request a paper application. 

Step Two:

Whether you choose to apply for EOI online or via mail/fax, your application should be pre-populated with your contact information. Answer all EOI questions truthfully and completely. The Employees Retirement System of Texas (ERS) vigorously enforces laws against participants who defraud the Texas Employees Group Benefits Program (GBP). Providing false answers on an EOI application for any GBP coverage is a violation of state insurance laws. You could have your coverage cancelled and be expelled from the GBP.

Step Three:

Review the EOI application to make sure all fields are complete. Missing information will delay the application processing.

Step Four:

Submit your online EOI application as instructed on the form or website. Alternatively, if you choose to submit a hard copy, mail it to the postal address specified or fax it to the number provided by Securian when they sent the paper application. If Securian does not receive the EOI application within 30 days, your coverage will remain unchanged and you will have to wait to reapply for during the next enrollment opportunity.

Step Five:

If you submit your EOI online, Securian's real-time underwriting response will let you know immediately if you have been approved, or if further underwriting is required. If you send your application via mail or fax, Securian will notify you within two weeks. Securian will notify you and ERS of the approval or denial of your Optional/Dependent Term Life Insurance. (Securian will not share your medical history information, which is confidential, with ERS.) ERS will enter your information into the system.

If you have any questions about the EOI process, please contact Securian toll-free at (877) 494-1716. Representatives are available 8 a.m. - 5 p.m. Central time, Monday - Friday.  

When does my coverage begin?
Coverage begins the first day of the following month after approval.