[UCRDBR] Prudential Life Insurance – New Paperless Evidence of Insurability Application

[Departmental Benefits Representatives]

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July 13, 2023

To:
Department Benefits Representatives
From:
Central HR Benefits Office
Re:
Prudential Life Insurance – New Paperless Evidence of Insurability Application
_______________________________________________________________________________________

DBRs, please share this important information with your department via your internal list serv.



Prudential Life Insurance announced the successful launch of a paperless Evidence of Insurability (EOI) solution for the Supplemental and Expanded Dependent Life insurance plans. Employees who did not elect this benefit at time of hire may utilized this new solution for enrollment that will reduce the need for paper-based documentation, streamline the EOI experience, and accelerate the decision-making process. Faculty and staff can conveniently complete the EOI questionnaire online, submit documentation if needed, and in some cases, receive instant approval. The paper EOI form<https://ucnet.universityofcalifornia.edu/compensation-and-benefits/disability-life-accident/life-insurance/short-form-health-questionaire.html> is still available for use.



The timing of when the employee initiates the request to completion will vary depending on how soon the online questionnaire is completed.  Employees will receive timely updates and notifications throughout the application process.



Below is an outline of the paperless EOI process.



·       Step 1: Employee submits their request through the UCPath self-service portal or calls UCPath for assistance with submitting their request. Requests can be for the employee and/or their spouse/domestic partner.

o   In UCPath, click on Employee Actions, then Health and Welfare, then Life Events/Benefits Changes, then select “Benefit Changes for AD&D, Disability or Life.”

o   Employees may reach UCPath at 1-855-982-7284; Monday through Friday, from 8:00 AM until 5:00 PM, PT.


·       Step 2: UCPath sends a weekly file of EOI requests to Prudential.


·       Step 3: Prudential receives and loads the file into their underwriting system.

o   A link is automatically generated and sent to each employee via email. The email will contain instructions for creating an account and completing the online EOI questionnaire.

§  Emails will be sent to the employee’s preferred email address in UCPath.

§  If the employee applies for themselves and/or their spouse/domestic partner, the link will be sent to the employee’s email for both.

o   Prudential will send three reminder emails before closing the request and sending a “no response” notification to the employee and UCPath.


·       Step 4: Employee creates an account on the Prudential website and completes the online EOI questionnaire.

o   If the employee applied for themselves and their spouse/domestic partner, they only need to create one account. Both questionnaires will be available for each to complete in the same session.


·       Step 5: Employee is notified of a decision.

o   When the employee applies, they will receive either an instant approval or automatically be transitioned to complete the long-form questionnaire.

§  If additional information is needed beyond the long form, Prudential will contact the employee directly to discuss the next steps.

o   If the EOI is denied, Prudential will send the employee a denial letter, including instructions on filing an appeal.


·       Step 6: Prudential returns the weekly file containing EOI decisions to UCPath.


·       Step 7: UCPath processes the approvals/denials and notifies the employee.


o   If the EOI is approved, UCPath will finalize the enrollment and send employee a confirmation statement.

o   If the EOI is denied, UCPath will close the event and notify the employee.
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