Why is an “Evidence of Insurability” application required in some instances?
When the coverage is contributory (some portion of the premium is paid by the employee through payroll deduction), if the application is not received within 63 days after the employee completes the company imposed waiting period, the employee is considered a late enrollee and an “Evidence of Insurability” enrollment form will be required. Coverage will not be effective until the date of approval by Advance Insurance Company of Kansas. Evidence of Insurability may also be required if someone qualifies for a benefit higher than the Guarantee Issue (GI) limit.
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