| 23 | Amount Limit Due to Age If you are age 70 and over, the life and AD&D insurance benefit amount you are eligible for is reduced. Team members aged 70-74 will have life and AD&D insurance value at 65% of the benefit, and those aged 75 and over will have a life and AD&D insurance value of 50% of the benefit. What You Need to Know About Evidence of Insurability (EOI) When it comes to voluntary life and AD&D insurance, you may be required to provide Evidence of Insurability, or EOI, to the insurance carrier as part of the application process. › If you are newly benefit eligible and enrolling in life and AD&D insurance for the first time: – you may purchase voluntary employee life and AD&D coverage in increments of $10,000 up to the lesser of 8 times your annual base pay or $500,000, without providing EOI. – you may purchase voluntary spouse/ domestic partner life and AD&D coverage in increments of $10,000 up to $100,000, without providing EOI. › Each year after your initial enrollment period, you may increase your coverage for yourself and/or spouse/domestic partner by $10,000 (not to exceed the maximum) without providing EOI as long as you are currently enrolled in voluntary life and AD&D insurance. Life AD&D Insurance EOI Process › If you are currently enrolled in voluntary life and AD&D insurance and you elect an amount greater than $10,000 after your initial enrollment period, you will be required to submit EOI. If this is the case, you will receive an email with a link to an online questionnaire about you and/or your spouse/domestic partner’s health. You must complete the questionnaire in order for your requested coverage increase to be considered. › Based on the answers in your questionnaire, you may also need to get a basic physical exam. Life and Accidental Death & Dismemberment Insurance, continued DON’T BE DENIED Evidence of Insurability is important! Your coverage may be delayed or denied if you don’t submit EOI.