Evidence of Insurability Rules on Long Term Disability Plan enrollment for late in year new hires

karen-fields

Hello,

Wondering if anyone has run into a similar issue and if you have a workaround in place you would be willing to share.

Background:  For our new hires who start after our regular open enrollment event has taken place we have created a separate new hire enrollment event and open enrollment event specifically for them.  Our Long Term Disability (LTD) plan is set up so that if you enroll in it as a new hire you do not need to complete the evidence of insurability (EOI) process.  If a new hire waives LTD but then elects it with their Open Enrollment event we would like it to flag for EOI.

I am running into an issue due to both events falling within the 35 EOI days for New Plan Entrants we have set up.  I tried playing with decreasing the EOI Days or selecting the Late Entry Always but then that incorrectly flags them for EOI with their new hire enrollment event.  I am not sure if I am overlooking something in my set up on the EOI rules or if this is just due to not being able to speicify EOI rules based on the event.  Have any of you run into this and if so how do you manage it?  Thank you!

reaganr

Hi Karen, I don't have any work arounds in place for this. Around open enrollment we watch our new hires closely for EOI and supplemental life insurance. We auto enroll employees in the LTD plan. I agree with you that the setup is limited for EOI and hard to manage when there is different EOI days per life event. I submitted an enhancement request for EOI days per life event. There are only a couple votes for my enhancement so it may take awhile to get this delivered. If my company decides to create something custom rather than waiting, I'll let you know what we figure out.