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1. Update: Employment Insurance (EI) Sickness Benefit Extension As it proposed in its 2022 Budget, the federal government has confirmed it is extending the Employment Insurance (EI) Sickness Benefits period from 15 weeks to 26 weeks later this year. The official implementation date and details have not yet been confirmed by the government and we will share further details once they are available. In the meantime, here’s what you need to know.
    
   We will not require or implement any changes to our disability plan designs based on this extension. However, plan sponsors may wish to amend their short-term disability (STD) and long-term disability (LTD) plans and policies to align with the new 26-week EI period. 

   Impact to short-term disability (STD) benefits integrated with EI

   Plan sponsors with EI-integrated STD may wish to adjust their benefits to line up with the new 26-week extension. 

   Impact to plans with no STD benefits

   For plan sponsors who do not offer STD, they have the option of adjusting their LTD plans to the new 26-week elimination period if members claim EI prior to LTD. This adjustment would help to avoid the plan member receiving disability and EI payments at the same time and potentially being required to return funds due to overpayment. 

   Considerations for plan sponsors

   Plan sponsors who amend their STD or LTD policies to align with the new 26-week EI period should note that there may be inadvertent delays to their employees’ return to work. While collecting EI, injured or ill employees do not benefit from our early intervention services or rigorous claims management practices that could help them get back to work sooner. So, by delaying the availability of STD or LTD coverage, the advantages that these programs are intended to provide could also be delayed. 

   Impact to Premium Reduction Program (PRP)

   The Premium Reduction Program (PRP) allows employers with eligible short-term disability plans to pay lower EI premiums. The eligibility criteria have not changed at this time. The government plans to review the PRP in 2024.

   Questions

   If you have questions about these changes or what they mean for your clients’ disability plans, please contact your Group Account Executive or myFlex Sales Manager.
    
2. 2025 Holiday hours Individual Insurance
   Thank you for your trust and partnership with Equitable. Wishing you a joyful holiday season and a successful year ahead.
   
   Client Care Centre holiday hours
   Dec 24, 2025: 8:30 a.m. – 3:00 p.m. ET
   Dec 25–26, 2025: CLOSED
   Dec 29–31, 2025: 8:30 a.m. – 7:30 p.m. ET
   Jan 1, 2026: CLOSED
   
   Individual Insurance deadlines
    • Underwriting evidence due: Dec 10, 2025
    • Final settle documents due: Dec 22, 2025
    • Policy settlement by: Dec 30, 2025
   
   
   
   
   Field Payroll
    • Second last pay period: Dec 17–23, 2025 (Statements Dec 24)
    • Last pay period: Dec 24–31, 2025 (Statements Jan 2, 2026)
    • First pay of 2026: Jan 1–6, 2026 (Statements Jan 7)
   
   Note: All requirements must be received by Head Office by the above dates to guarantee year-end settlement. Late submissions will be processed as quickly as possible, but settlement by year-end cannot be guaranteed.
   
   Looking for Individual Wealth holiday hours? Please click here.
    
3. [pdf] Pay Instruction Changes
4. EZ Upload
5. Product at a glance- Adults
6. Product at a glance- Children
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8. eDelivery of a Contract - New Business
9. [pdf] WL Annuity 20 Pay
10. Policy contract changes for residents of Quebec Starting June 1, 2023, there will be new language rules for any “contracts of adhesion”, including insurance policy contracts, in Quebec. These changes are part of Bill 96, which is about respecting French as the official and common language of Quebec.
    
    At Equitable Life, we have made some changes to our contract processes to support this new requirement.
    Starting after May 23, 2023, clients who live in Quebec will always get a copy of their insurance policy contract in French, regardless of language preference.
    - We will only send the English copy to the policy owner if they specifically ask for it. In that case, we would also send a French copy.
    - For clients who request a copy of their policy contract in French, there is no change. We pride ourselves in respecting the needs of our clients.
    
    If you want to learn more about these language changes, visit Assemblee nationale du Quebec - Bill 96. You may also contact your wholesaler.