EOI Long Form Version 2 1 2025

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EOI is the information we use to verify your good health when youre purchasing disability insurance. We may require EOI if you are enrolling in Voluntary Short- Term Disability and/or Voluntary Long-Term Disability coverage.
Evidence of Insurability (EOI) is documented proof of good health. An applicant begins the EOI and medical underwriting process by submitting a Medical History Statement (MHS). This, along with other information obtained during the underwriting evaluation is used by The Standard to make the underwriting determination.
The EOI process involves providing a detailed medical history and lifestyle habits and occasionally undergoing a thorough health examination. The information from the EOI helps determine insurance premium rates, coverage limits, and eligibility.
Evidence of Insurability (EOI) is a record of a persons past and current health events. Its used by insurance companies to verify whether a person meets the definition of good health.
In most cases, employees can complete the entire evidence of insurability process directly through the insurance company. In this digital age, many insurers provide online platforms and portals that allow employees to fill out and submit the form.
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