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  1. Equitable Life Group Benefits Bulletin - November 2022

    The importance of timely plan member eligibility updates*

    Effective Dec. 1, 2022, we are implementing a revised process for managing plan member and dependent health and dental claims that have been incurred and paid after coverage has been terminated. This new process is consistent with industry practices.
     
    If health or dental claims have been incurred and paid after a plan member’s termination date but before we received notice of the termination, we will align the plan member’s or dependent’s termination date with the service date of the last paid claim, retaining premiums up until that date.
     
    If no claims have been incurred and paid after the termination date, Equitable Life will process the termination as requested and refund any excess premium, subject to a maximum premium refund credit of three months.
     
    Currently, we process the termination as requested and attempt to recover any claim overpayments directly from the plan member. We then refund any excess premiums that have been paid, subject to the maximum refund credit amount.
     
    To avoid claims being incurred and paid after a plan member’s termination date, it is important for your clients to update plan member and dependent eligibility dates on or before the effective date of the change.
     
    If you have any questions about the process your clients should follow for updating plan member eligibility, please contact your Group Account Executive or myFlex Sales Manager.

    QuickAssess®: Absence and accommodation request review services*

    It can be difficult to navigate chronic or complex cases of absenteeism or accommodation requests. That’s where QuickAssess® can help.
     
    QuickAssess is an optional, fee-per-use service that can provide your clients with an unbiased, timely assessment of complex plan member absences and workplace accommodation requests. Our disability experts can provide recommendations to help your clients manage:
    • Workplace absences
    • Chronic or patterned absenteeism
    • Requests to modify workplaces or duties
    • Return-to-work coordination
    • Employee Insurance sick leaves
    Based on a thorough review of information provided by the plan sponsor, the plan member, and their physician, our QuickAssess specialists provide a recommendation within two business days on how to manage the absence or accommodation request.** Your clients can then decide how to manage the plan member request and communicate their decision accordingly.
     
    For more information on using QuickAssess, including eligibility requirements, please contact your Group Account Executive or myFlex Sales Manager.

    **Within two business days of receiving a completed QuickAssess Absence and Accommodation Review Referral Form and all required information. For more complex referrals, more time will be required.

    Finding a health care provider with TELUS eClaims direct billing*

    By visiting TELUS’s Find a Provider page, your clients’ plan members can now easily search for paramedical and vision providers who are registered on the TELUS Health eClaims network and who can submit claims directly to us on behalf of their patients. Searches can be filtered by postal code to help plan members find the most convenient provider options.

    As our direct billing provider for pharmacy, vision and paramedical claims, TELUS Health has an extensive network of 70,000 health care providers that provide direct billing to streamline the claims process.

    Please note, plan members should always check Equitable Life’s list of de-listed providers before selecting a health care provider. The list is available for your clients and their plan members on EquitableHealth.ca, and is updated regularly.

    For more information about TELUS eClaims, please contact your Group Account Executive or myFlex Sales Manager.

    First phase of the Canada Dental Benefit proposed for Dec. 1, 2022*

    The federal government’s new Canada Dental Benefit is proposed to take effect on Dec. 1, 2022, subject to Parliamentary approval. The program will cover eligible expenses retroactive to Oct. 1, 2022, and this first phase would apply to Canadians under 12 years of age.

    If implemented, the Canada Dental Benefit will provide dental care to Canadian families with under $90,000 adjusted net income annually. By 2025, the federal government expects to extend the benefit to children under 18, senior citizens and Canadians with disabilities.

    Parents or guardians will be required to apply for this coverage through the Canada Revenue Agency (CRA) and must not have private dental coverage for the child(ren).

    This new program will have no impact on your clients’ dental coverage and no action is required on their part.

    * Indicates content that will be shared with your clients.
     
  2. Short-term disability coverage for plan members in quarantine or self-isolation*

    Please note: This announcement applies only to groups with short-term disability coverage through Equitable Life

    With the spread of COVID-19, many people have been instructed to self-isolate or quarantine themselves or are doing so voluntarily. We realize this is a stressful situation for people and they may be wondering if they are eligible for disability benefits. Short-term disability is designed to replace a plan member’s earnings if they are unable to work due to illness and injury.  As a result, only plan members who meet the following criteria are eligible for benefits:

    • Plan members who have tested positive for COVID-19 and are unable to work from home are eligible for coverage from Day 1 of their self-isolation period.
    • Plan members who have not been tested but have symptoms consistent with COVID-19 and are unable to work from home, are eligible for coverage. Claims will be assessed according to the terms of the plan.

    Plan members who are in quarantine for any other reason, but do not have symptoms consistent with COVID-19, are not eligible for coverage. These plan members should consider applying for Employment Insurance (EI) benefits, if they do not have an option to work from home.

    Submitting COVID-19-related STD claims

    To make things easier for plan members who need to submit claims related to COVID-19, we will not require a physician’s statement. Instead plan members should submit our simplified Short Term Disability Plan Member COVID-19 Claim Form.

    Plan Administrators need to complete their portion of the regular Short Term Disability Form (Form #421).

    This is a temporary process that will remain in effect through the current coronavirus situation. We will update on changes and share them on EquitableHealth.ca.

    Applying for the Employment Insurance sickness benefit

    Canadians quarantined due to COVID-19, who are not receiving Short Term Disability benefits, can apply for Employment Insurance (EI) sickness benefits. The one-week waiting period for EI sickness benefits has been waived. Service Canada’s dedicated toll-free support number is 1-833-381-2725 or (TTY) 1-800-529-3742.

    *Indicates content that will be shared with your clients

  3. This year’s RSP contribution deadline is March 1, 2022

     

    Does your client want to contribute or open a new policy this Retirement Savings Plan (RSP) season?  Whether using paper or our recent EZtransact online platform, here are some important things to remember.
     

    Issuing New Policy with EZcomplete®

    • All online applications must be digitally signed and submitted and have a date stamp no later than March 1, 2022.


    Issuing New Policy using Paper Application

    • For contributions to qualify for the first 60 days, all paperwork must be completed and signed by March 1, 2022. Equitable Life must receive all paperwork by March 7, 2022.



     

    Deposits to Existing Policy

    • Advisors can setup a one-time or recurring deposit or edit an existing pre-authorized debit already in place using EZtransact. Online deposits must be made and have a date stamp by March 1, 2022, to qualify for a 2021 tax receipt. New to EZtransact? Try our EZtransact Practice Site to see how EZ it is to use.
    • Clients can make online deposits to Equitable Life® through their financial institution’s online banking service. Online deposits must be made and have a date stamp by March 1, 2022, to qualify for a 2021 tax receipt. 
    • Clients can also make a new deposit to an existing policy by cheque. The cheque must be dated and signed by March 1, 2022. Equitable Life must receive the cheque no later than March 7, 2022.
    If online banking is being used to fund the policy – either topping up an existing policy or opening a new policy – the online banking transaction must be completed by March 1, 2022, to receive a 2021 tax receipt.

    Do not miss your opportunity to have your contributions count for 2021!

    Please note that cheques and other paperwork cannot be backdated.  They must be completed and signed by March 1, 2022, to qualify for a 2021 tax receipt.
     
     
    ® denotes a trademark of The Equitable Life Insurance Company of Canada.
  4. A New Universal Life Solution for the 21st Century – Coming Soon

    Introducing a new Universal Life solution built for the 21st century: Equitable Generations™ universal life insurance will be available for sale September 26, 2022.

     

    Check out our Equitable Generations universal life splash page: www.equitable.ca/ul


    Our new Equitable Generations
    Equitable Generations is a Universal Life product that offers investment options that resonate with today’s 21st century client while reducing every fee possible. It also reduces the cost of insurance to help clients maximize their opportunity to purchase coverage and build tax-advantaged wealth.

    Features of Equitable Generations:
    • 34 fund options, including 18 new investment options, tracking funds managed by Fidelity™, Dynamic™, Invesco™ and more.
    • 3 sustainable investment “ESG” (Environmental, Social & Governance) options – because today’s buyer cares as much about impact as they do about returns.
    • Target date funds that auto-rebalance over time so that as a client approaches retirement, the fund adjusts its risk automatically.
    • A lower cost insurance with no policy fee, with the opportunity to purchase insurance protection, more opportunity to build wealth, or both.


    Supporting you at claim time with KIND™

    This service will include the following components:
    ● Living Benefit
    ● Bereavement Counselling benefit
    ● Snap Advance*
    ● Compassionate Advance*

    * Snap Advance and Compassionate Advance are non-contractual and may be altered or terminated by Equitable Life at any time without notice.

    New illustration software available
    The updated illustration software will be available for download after 9 a.m. ET on Tuesday, September 6, and will include the new Equitable Generations product. See the Equitable Sales Illustrations Update for information on how to download the software or check for updates.  

    Learn more
    Transition rules are available

     

    Check out our Equitable Generations universal life splash page: www.equitable.ca/ul

    Watch for more information and get ready to sell Equitable Generations universal life as it becomes available on September 26.

    Please contact your Regional Sales Manager for more information. 

    Invesco® and all associated trademarks are trademarks of Invesco Holding Company Limited, used under licence. Invesco is a registered business name of Invesco Canada Ltd.
    Dynamic Funds is a registered trademark of its owner, used under license, and a division of 1832 Asset Management L.P.
    Fidelity is a registered trademark of 483A Bay Street Holdings LP. Used with permission.
    Equitable Life, Equitable Life of Canada, KIND and Equitable Generations are registered trademarks of The Equitable Life Insurance Company of Canada.

  5. A New Universal Life Insurance Solution for the 21st Century – Available NOW! Introducing a new universal life solution built for the 21st century: Equitable Generations™ universal life insurance is available for sale NOW!


    Check out our Equitable Generations universal life splash page: www.equitable.ca/ul

     
    Our new Equitable Generations universal life insurance
    Equitable Generations is a universal life product that offers investment options that resonate with today’s 21st century client while reducing every fee possible. It also reduces the cost of insurance to help clients maximize their opportunity to purchase coverage and build tax-advantaged wealth.

    NEW: EZstartTM Generations
    Today we are launching EZstart Generations which is:
     
    • A mobile-optimized tool for advisors
    • Designed to start a conversation and provide a possible universal life solution in under one minute
    • Goals based - you can see how Equitable Generations™ universal life insurance can perform at different stages of a client’s life.
    Give it a try and use this tool as you are starting the conversation about universal life solutions with clients. EZstart links directly to the EZcomplete® online application for an easy digital experience.
     
    NEW: SMS
    Effective today, September 26, 2022 when you submit an application, you can opt-in to receive text message updates for your new business applications.
    That’s a text message when:
    • The application is received,
    • A decision has been made by Equitable Life,
    • The policy is ready for delivery, and
    • The commissions have been triggered.
    Please note, this number is not monitored for incoming texts. Please contact Customer Service with any questions.
    Learn more

    Find all the exciting details on our virtual launch splash page (www.equitable.ca/ul) and watch our informative videos to get all the information you need to start selling Equitable Generations universal life.


    Check out our Equitable Generations universal life splash page: www.equitable.ca/ul


    Click on the Marketing Materials tab on EquiNet® for all of our new Equitable Generations marketing materials.

    Please contact your Regional Sales Manager for more information. 

     
    TM and ® denote trademarks of The Equitable Life Insurance Company of Canada. 
     
     
  6. Clients can win up to $5,000 in the RSP Grow Your Future Contest!
    RSP season is here and Equitable Life® is giving clients and their advisors a chance to win BIG with the Grow Your Future Contest.

    This contest is for advisors and clients working together to build wealth that lasts through the ups and downs.

    Two ways to win:

    1. Between January 1 and March 1, 2023, if the client makes a deposit into an Equitable Life RSP policy
     
        image.jpg

    2. Between January 1 and 31, 2023, if the client makes a deposit into an Equitable Life RSP policy

       image2.jpg

    See full contest details. Grow the future this RSP season!

    Equitable Life is committed to offering clients product, service, and choices that best suit their needs. We are pleased to offer multiple sales charge options, three distinct guarantee classes, and a diverse selection of investment funds.

    Speak to your Regional Investment Sales Manager to learn more.
     
    * Draws occur weekly from January 9 – February 6, 2023.
     ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
    Grow Your Future RSP Contestt: No purchase necessary. Contest period January 1, 2023 to March 1, 2023.  Enter by making a deposit to an Equitable Life RRSP during the contest period or by submitting a no-purchase entry.  Forty-four prizes to be awarded, for a total value of $10,200 CAD. Twenty-one $100 prizes, to be drawn on January 9, 2023, January 16, 20232, January 23, 2023, January 30, 2023 and February 6, 2023. One Grand Prize draw, for a prize of $5,000 CAD, to be held on March 2, 2023. The servicing advisor for the policy to which the selected entrant made the deposit is also an eligible winner: (i) for $100 prizes, the servicing advisor will also receive a $100 prize; and (ii) for the $5,000 grand prize, the servicing advisor will receive a $1,000 prize. For example, if an Equitable Life client is a winner of a $100 prize, the client’s servicing advisor also wins a $100 prize; if an Equitable Life client is a winner of the $5,000 grand prize, the client’s servicing advisor wins a $1,000 prize.  Open to legal residents of Canada of the age of majority. Eligible non-winning Entries will continue to be eligible on subsequent Draw Dates. Maximum one $100 prize per person and one $5,000 or $1,000 prize per person. Odds of winning depend on number of eligible Entries received during the Contest Period.  For full contest rules, including no-purchase method of entry, see full contest rules.
  7. Clients can win up to $5,000 in the RSP Grow Your Future Contest!

     

    RSP season is here and Equitable Life® is giving clients and their advisors a chance to win BIG with the Grow Your Future Contest.


    This contest is for advisors and clients working together to build wealth that lasts through the ups and downs.









    Two ways to win:

    1. Between January 1 and March 1, 2023, if the client makes a deposit into an Equitable Life RSP policyImage1EN-(1).jpg

    2. Between January 1 and 31, 2023, if the client makes a deposit into an Equitable Life RSP policy*

    Image2EN-(2).jpg


    Full contest details.


    Grow the future this RSP season!

    Equitable Life is committed to offering clients product, service, and choices that best suit their needs. We are pleased to offer multiple sales charge options, three distinct guarantee classes, and a diverse selection of investment funds.

    Speak to your Regional Investment Sales Manager to learn more.

    *Draws occur weekly from January 9 – February 6, 2023.


    winner-banner.png

     


     ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
    Equitable Life® 2023 RRSP Season Contest: No purchase necessary. Contest period January 1, 2023 to March 1, 2023. Enter by making a deposit to an Equitable Life RRSP during the contest period or by submitting a no-purchase entry. Forty-four prizes to be awarded, for a total value of $10,200 CAD. Twenty-one $100 prizes, to be drawn on January 9, 2023, January 16, 2023, January 23, 2023, January 30, 2023 and February 6, 2023. One Grand Prize draw, for a prize of $5,000 CAD, to be held on March 2, 2023. The servicing advisor for the policy to which the selected entrant made the deposit is also an eligible winner: (i) for $100 prizes, the servicing advisor will also receive a $100 prize; and (ii) for the $5,000 grand prize, the servicing advisor will receive a $1,000 prize. For example, if an Equitable Life client is a winner of a $100 prize, the client’s servicing advisor also wins a $100 prize; if an Equitable Life client is a winner of the $5,000 grand prize, the client’s servicing advisor wins a $1,000 prize. Open to legal residents of Canada of the age of majority. Eligible non-winning Entries will continue to be eligible on subsequent Draw Dates. Maximum one $100 prize per person and one $5,000 or $1,000 prize per person. Odds of winning depend on number of eligible Entries received during the Contest Period. For full contest rules, including no-purchase method of entry, see full contest rules.

    Posted December 1, 2022

  8. 2023 Holiday Hours The Holiday season brings thoughts of gratitude, and there is no better time to express our thanks and sincere appreciation for your dedication and commitment to Equitable Life.
     
    Thank you for your support this past year and for trusting Equitable Life with your Individual Insurance and Savings & Retirement business. Happy Holidays!
     
    Client Care Centre Holiday Hours
    Friday December 22, 2023 - 8:30 a.m. – 7:30 p.m. ET
    Monday December 25, 2023 – CLOSED
    Tuesday December 26, 2023 – CLOSED
    December 27, 28 and 29, 2023 - 8:30 a.m. – 7:30 p.m. ET
    Monday January 1, 2024 - CLOSED

    Savings & Retirement
    To settle on December 22, 2023, the transaction must be received that day by 11:00 a.m. ET
    To settle on December 29, 2023, the transaction must be received that day by 11:00 a.m. ET


    Individual Insurance
    Underwriting
    ● Underwriting must receive all evidence and outstanding Underwriting requirements by December 15th- at the latest. Underwriting will then be able to decision these cases by December 21st. This will give the New Business team December 21st – December 29th to issue and settle policies.  

    New Business
    ● New Business will continue to process all issue and settle requirements every business day until the last working day of the year – December 29th. New Business needs to receive ALL final settle documents in Good Order within our posted service standards. We are currently operating at a 3 business day turn around time.

    Field Payroll
    ● Second Last Pay Period for 2023 – December13, 2023 to December 19, 2023 (Transmission/Statement date December 20, 2023)
    ● Last Pay Period of 2023 – December 20, 2023 to December 29, 2023 (Transmission/Statement date January 2,2024)
    ● First Pay of 2024 – January 1, 2024 to January 9, 2024 (Transmission/Statement date on January 10,2024)  

    Daily Pay will run on business days.

     
    Please note that all requirements must be received in Head Office by the above dates to guarantee settlement for year end.
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  10. Easier group enrolment and more group benefits updates

    Make enrolment easier for your clients with online plan member enrolment (OPME)

    Enrolling new plan members can be overwhelming – for both you, your clients and their employees. It’s time-consuming to manually load new members and challenging to ensure they complete the necessary paperwork before the enrolment deadline.

    Our Online Plan Member Enrolment (OPME) tool is available at no extra cost for all your Equitable Life clients and offers a more secure and efficient alternative to traditional paper enrolment. Using their computer or mobile device, employees can enrol in their benefits plan in just minutes.
     
    The user-friendly tool allows plan members to easily enter all their enrolment information, including:
    • Dependent details
    • Banking information for direct deposit of claim payments
    • Details for coordination of benefits
    • Beneficiary designation 
    The online enrolment tool can be used by both new groups and existing clients enrolling new plan members. The tool reduces errors and rework that can occur due to spelling mistakes or missing information on paper forms. 

    The days of chasing plan members for their paper enrolment forms are gone. Once plan administrators enter a few employee details, our system automatically sends an email to each plan member, inviting them to enrol in their benefits program. And there will be no need for your clients to send reminders or follow up with employees about their benefits enrolment. It’s all done automatically. 

    Support with using OPME

    To learn more about the benefits of using OPME, check out our Online Plan Member Enrolment Flyer. We also encourage you to share more information with your clients: We also have helpful reference guides for plan members, to help them use the tool:  To learn more about accessing OPME, your clients can contact their Equitable Life Client Relationship Specialist or myFlex Benefits Team for support.

    Help your clients spend less time administering group benefits. Contact your Group Account Executive or myFlex Sales Manager to learn more about our online plan member enrolment.
     

    Coming soon: A survey to help us serve your clients better*

    We are committed to providing your clients and their plan members with industry-leading service. We’ve introduced several enhancements over the past year to make it easier to do business with us. And we’re continually looking for ways to improve.
     
    This month, we will conduct a survey of your clients to help us understand how we can better serve them. Plan administrators will receive an email with a link to the survey, which will take between five and 10 minutes to complete. 

    Please encourage your clients to participate. Their feedback will be confidential, and their responses will help us improve our service and ensure we’re meeting their expectations. We will also allow them to provide their name so that we can follow up with them to address any concerns they’ve identified.
     
    We know your clients’ time is valuable. So, each plan administrator who completes the survey will be entered into a random draw for a chance to win one of 3 prepaid gift cards for $200.
     

    Improved mental assessment features for FeelingBetterNow®*

    Mensante has enhanced its FeelingBetterNow® online platform to make it easier for plan members to assess the state of their mental health and talk to their health care provider about treatment options. FeelingBetterNow is part of our Equitable HealthConnector suite of wellness solutions and is available for an additional cost. It can help plan members easily identify if they are at risk for a number of common mental health issues, including depression, anxiety and substance abuse.  

    Upgrades to the platform include:

    • New features to help plan members better gauge their progress in the assessment.
    • A printable Action Plan that plan members can share with their health care provider to initiate conversations about managing their mental health challenges.
    • A new “follow-up” module to help plan members assess the care they’ve received from their health care provider and identify care gaps.
    • An Assessment Outcome Page, which allows plan members to view their diagnostic risks across mental health disorders for a more holistic picture of their health.
    To learn more about how FeelingBetterNow can help your clients’ plan members take charge of their mental health, view our overview or contact your Group Account Executive or myFlex Sales Manager. 
     

    Over-age dependants losing coverage?*

    Your clients’ plan members may have dependants approaching the maximum age for eligibility under their group benefits plan. If so, members should be aware of their options for dependant coverage. 

    Coverage for full-time students and dependants with disabilities

    The dependants of your clients’ plan members may be eligible to continue their coverage under the current plan if: 
    • The dependant is attending a post-secondary school full-time; or
    • The dependant is disabled. 
    In either case, the plan member can complete the Application for Coverage of Dependent Child Over Age 21 (Form #441) and submit it through our online document submission tool. The tool is available under My Resources in the plan member’s Group Benefits account at EquitableHealth.ca.  

    Coverage2go for over-age dependants

    Dependants who aren’t eligible for continued coverage under the plan can apply for Coverage2go®, a month-to-month health and dental plan for individuals losing their group coverage.**

    Coverage2go is affordable, reliable and allows the over-age dependants to choose the level of coverage and protection that suits their personal situation. With no medical questions required as long as they apply within 60 days of losing their coverage, your clients’ plan members can ensure that their over-age dependants have the coverage they need.

    Plan members can receive a quote within minutes. Please direct your clients to Coverage2go on Equitable.ca to learn more.  
     
    **Quebec residents are not eligible for Coverage2go.

    Forfeiture reports for HCSAs and TSAs on EquitableHealth.ca*

    As a reminder, your clients can access forfeiture reports for their Health Care Spending Account (HCSA) and Taxable Spending Account (TSA) usage on EquitableHealth.ca.  

    HCSA summary by plan member

    HCSA summary reports provide an overview of each plan member’s account activity and balances. These reports include the total amounts allocated, the amount claimed to date, the net balance, and the amount of funds that will be forfeited based on claims paid to date. Please note that plan members’ claim submissions will remain confidential and will not be viewable by the employer on this summary.

    Your clients can provide each plan member with their HCSA summary, if they wish.  

    HCSA account forfeiture by plan member

    HCSA forfeiture reports detail the amount that each member will forfeit if they do not use it. The amount is based on claims that have been paid to date within the benefit year period.  

    HCSA account totals by plan member

    Your clients may wish to access the HCSA account totals reports, which reflect the information in each plan member’s HCSA summary report. For terminated employees, the Funds Available field will display as zero, regardless of the balance in the account when terminated. 

    At least three months before the end of the benefits period, your clients should remind their members to use their allocated HCSA and TSA amounts.

    If your clients need help accessing these reports, they can reach out to their Regional Office Service team for assistance.

    * Indicates content that will be shared with your clients.