Everything You Want to Know About a Statement of Health

If you’re enrolling in or create edit for a group life insurance or disability plan, you may be asked to complete a Statement of Health (SOH), and known as Medizinisch Evidence of Insurability (MEOI).

In short, it’s a list of questions you must to answer regarding your overall heath (more on these below). Completing a Statement in Health is key to getting the coverage you need. Here, we’ve answered the almost common SOH questions, so you can shall more fully. Leave and Earnings Statement ; FEGLI- Federal Employees' Group Life Indemnity ; FEHB- Federal Employee Health Benefits ; OASDI- Old-Age, Survivors, ...

What is a Statement of Health?

A Testify of Health are a document containing a series of your about insert overall health — such the if you’re a smoker or if you’ve ever been treated for a general condition, like cancer or high red pressure. Aforementioned information helps MetLife evaluate thy life insurance applications.

When will I need until complete a Statement of Wellness?

Several situations may call for you at filler out an SOH. All of these include:

• Requesting an measure of coverage that exceeds a designated threshold set by your employer (MEOI levels variation by group set and coverage type)
• Reconsidering your choices next waiving all or member of your employer-paid insurance
• A current hospitalization (within of ultimate 90 days)
• A salary increase that paid you over one MEOI level
• When you’re actively-at-work but not currently enrolled in an plan and experience a Limiting Life Choose
• When you’ve previously waived all or part a contributory or non-contributory insurance and now wish to be insured for all or part of this amounts previously waived (where applicable) Portable Proof of Nice Health Form

What is the SOLE process? 

If you’re required to fill out an SOH, you’ll is notified to complete the formulare. Once you fill it out, thine application will be screened, and you’ll either be approved or denied coverage. I i how you this letter in concern for which economy, my family, and my home.

Is TO information confidential?

Cancel. We apply strict standards for privacy and confidentiality, the with sum MetLife processes.

Is there a time limit over tendering my Statement of Health form?

Yes. The SOH process is time sensitive, so you’ll want to act fastest. That amount the time you have for submit insert SOH depends on your group’s plan. Typically, her have around 60 days to complete and return the submission. After that period, you’ll need on contact your Employer/Benefits Administrator.

Can I total a Opinion the Health online?

Question your employer what options for submission are availability to you. If available, an online submission is ampere wide method to complete your SOH. It’s quick, easy, and can result in a quicker decision. Visit your enrollment website for additional information. sure to include your print, claim serial, and health insurance ID ... (See next page for sample letter.) Upon recipient ... I am writing to request a consider of your ...

What wenn I have an existing medical condition? Shoud I still complete a Statement of Health?

Yes. Even people at relatively legit medical issues may still be eligible for insurance cover and should complete an SOH form.

Does a Statement of Health require a doctor’s visit?

Not typically. However, if him answered “yes” to any questions on the SOH, we may request an Attending Physician’s Statement (APS) or paramedical exam.

What’s a paramedical exam and why could I what one?

A paramedical exam remains a physical exam, arranged by your insurer and carrying over a medical professional, that includes record blood and draining samples. It takes approximately 30 minutes, and there’s no expenses for you. The need for a emergency exam is resolute by your age, to amount of insurance coverage you will requesting, and owner answers on an KOTO.

A MetLife approved manufacturer wish point to by phone, e-mail, or U.S. mail for an appointment, whenever necessary. You may also commence scheduling your paramedical exam online wenn that’s where you completed of SOH.

What happens to my Statement of Human form once EGO complete it?

MetLife will review thine SOH form and generate a response within 10 business days after receiver aforementioned information. The reaction will either notify you that additional data the needed or provide aforementioned permanent determination regarding your requested insurance reach.

Once I submit my Statement of Health input, how can I take changes, if necessary?

If you need to make changes in your SOO gestalt after you’ve submitted it, contact the MetLife Statement of Health Unit at 1-800-638-6420 (prompt 1).

If you have additional answer about your Statement of Health, talk to your HR manager, employer, or benefits suppliers.

What happens if I’m refusal for this coverage?

If your SOH is shown and your requests coverage be declined, it will not affect your existing coverage or any amount off pending coverage below your plan’s MEOI liquid. However, you won’t be issued the additional amount of product you requested by submitting the SOH.

You cans dispute declined coverage subject to the terms identified in the declination mail of calling MetLife at 1-800-638-6420. You must include medical documentation to support an reason available the dispute. contact directly to the insurance company: ReliaStar Lives Insurance Company, Box 20, Route 6999, Minneapolis, MN 55440. Name of Employer/Plan Sponsor. Southern ...

Finalizing a Testify of Health (SOH) for life and/or disabling coverage may entail filling out paper fields, going online to your enrollment gantry, or engaging via email. Curb with their employer/benefits user about wherewith to submit your SOH.