If you’re applying for coverage or increasing your benefits under a Manulife group plan, you may be asked to provide evidence of insurability (EOI).
This process involves submitting medical information so Manulife can assess your level of risk.
While it may seem like a routine step, the outcome can directly affect your eligibility for disability benefits — including whether you’re approved, limited, or denied coverage.
What Is Evidence of Insurability?
Evidence of insurability (EOI) is a medical assessment used by insurers like Manulife to determine whether you qualify for certain types or amounts of coverage.
You may be required to complete:
- A health questionnaire
- Medical history forms
- Additional medical tests (in some cases)
Manulife uses this information to decide:
- Whether to approve your coverage
- Whether to apply exclusions or limitations
- Whether to deny coverage altogether
When Does Manulife Require Evidence of Insurability?
You may be asked to provide EOI in situations such as:
- Applying for coverage after your initial eligibility period
- Increasing your level of benefits
- Returning to work after a leave
- Making changes to your group benefits plan
In many cases, basic coverage is automatic — but anything beyond that may require medical approval.
How Evidence of Insurability Affects Disability Benefits
EOI can have a direct impact on your ability to receive disability benefits later on.
For example:
- A denied EOI application may limit your access to LTD coverage
- Approved coverage may come with exclusions for pre-existing conditions
- Incomplete or inaccurate information can lead to disputes down the road
This is especially important for long-term disability claims, where eligibility is closely tied to your policy terms.
What Happens If Your Evidence of Insurability Is Denied?
If Manulife denies your EOI:
- You may not receive the additional coverage you applied for
- Your benefits may be limited to a lower amount
- Certain conditions may be excluded from coverage
In some cases, this can significantly affect your financial protection if you become unable to work.
Common Mistakes to Avoid
When completing an EOI form, small errors can have lasting consequences.
Be careful to:
- Provide complete and accurate medical information
- Avoid downplaying symptoms or conditions
- Keep records of what you submit
- Follow up if additional information is requested
How This Connects to Disability Claims
EOI is often overlooked until a claim is made — but it plays a key role in how your benefits are assessed.
If there are issues with your coverage:
- Manulife may rely on your EOI information
- Discrepancies can be used to question your claim
- Limitations or exclusions may affect your eligibility
Key Takeaways
- Evidence of insurability is used to assess your eligibility for coverage
- It may be required when applying or increasing benefits
- The outcome can affect your disability coverage
- Mistakes or omissions can impact future claims
Speak to a Disability Lawyer About Your Manulife Claim
If you’re dealing with an issue with your Evidence of Insurability with Manulife, getting advice early can make a big difference.
A disability lawyer at Samfiru Tumarkin LLP can review your case, help gather the right evidence, and deal directly with the insurer. Our team has helped thousands of Canadians get answers and recover fair compensation.
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Disclaimer: This guide was created by Samfiru Tumarkin LLP. It is an independent resource designed to help individuals understand their insurance rights and the appeals process. It is not produced by, affiliated with, or endorsed by Manulife or any other insurance provider.