Statement of Health or Evidence of Insurability for Group Life and Disability Plans
What Is a Statement of Health (SOH)?
A Statement of Health (SOH)—also known as Evidence of Insurability (EOI)—is a health questionnaire required by insurance carriers when an employee elects coverage above the guaranteed issue (GI) amount for voluntary life, short-term disability (STD), or long-term disability (LTD) insurance.
The SOH form helps carriers assess an individual’s health status to determine eligibility for the requested coverage. It typically includes questions about medical history, lifestyle habits (e.g., smoking), and recent treatments or diagnoses.
Completing the SOH is essential to activate coverage beyond the GI amount. Employees should submit the form directly to the insurance carrier, not to their employer or broker. Online submission is often the fastest and most efficient method. If the employee does not receive the electronic questionnaire via email, please have them complete the insurance carrier’s form.
Carrier-Specific Statement of Health Resources
Below are links and instructions for accessing SOH forms and processes for several major carriers:
? Principal
- Forms & Instructions:
- Principal Statement of Health Form
- Disability Claims Submission:
- Email: groupbenefitsadmin@principal.com
- Fax: 800-255-6609
- Mail: Address on Form
? Unum
- Forms Library: Includes downloadable forms for voluntary life and disability claims.
- SOH & Claim Forms: Unum Statement of Health
? MetLife
- SOH Overview: MetLife provides a detailed explanation of when and why SOH is required.
- SOH Information Page: MetLife Statement of Health Guide [metlife.com]
- Contact for SOH Assistance:
- Phone: 1-800-638-6420
- Admin Manual: MetLife Administration Manual
? Sun Life
- Form Access: Sun Life provides a centralized portal for finding claim and administrative forms.
- Forms Page: Sun Life Find a Form
? Other Carriers
If you’re contracted with additional carriers not listed above, please contact your account representative or visit the carrier’s website for their specific SOH process and forms. You can also reach out to ecos@hiainc.org for assistance in obtaining the correct forms.