3-Exhibit 3 - MCCCD Enrollment EOI Rules Modified 010126.xlsx

This is a Medical Evidence of Insurability (MEOI) Rules exhibit document for the Maricopa County Community College District (MCCCD) in Arizona, outlining benefit administration requirements for a Third-Party Administrator (TPA) or Third-Party Processor (TPE) effective January 1, 2026. The document establishes guaranteed issue coverage amounts and underwriting requirements for optional life insurance and short-term disability (STD) benefits across different employee categories, including Chancellors, Vice Chancellors, College Presidents, General Counsels, and all other active full-time employees. The rules distinguish between new hires, current participants, non-participants, and qualifying events, with specific thresholds that trigger the requirement for Statements of Health (SOH). For life insurance, the guaranteed issue amount is $200,000 for new hires and most current participants, while modified open enrollment rules implemented January 1, 2026 allow current participants to increase coverage up to $50,000 without SOH requirements. For short-term disability, new hires and non-participants require SOH for any election amount exceeding $334.62 per week or $1,450 per month, while current participants require SOH for amounts exceeding these thresholds or when electing more than one increment increase of $34.62 per week or $150 per month.

The document specifies that dependent spouses or domestic partners generally require SOH for any amount of optional life insurance coverage, with limited exceptions for new hires and qualifying event participants. The exhibit identifies MetLife as the external party responsible for testing and verification, with internal verification conducted by Laura Nelson (CSC) and Debra Smith (AE). The rules require administrators to pass only MetLife-approved amounts subject to SOH, and the document includes provisions for providing screenshots of the enrollment process across new hire, late entrant, qualifying event, and annual or evergreen enrollment scenarios. These standardized MEOI rules establish clear guidelines for benefits eligibility and underwriting processes to ensure consistent administration across the MCCCD's benefit programs.