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March 2026 eNews
In this issue:
Equitable is adding nutrition app to all group benefits plans*
Coming soon: One-time passcodes will be added to account login process*
Standardized CLHIA disability form is now part of our disability claims submission package*
Reminder: Review manual allocations for HCSAs and/or TSAs*
Protecting clients’ plans from benefits fraud*
*Indicates content that will be shared with your clients.
Equitable is adding nutrition app to all group benefits plans
Equitable is making healthy eating easier and more accessible for all group benefits plan members. Beginning in April, access to the RxFood mobile app will be added to every Equitable group benefits plan—at no extra cost.
This will put personalized nutrition insights, practical tips and tailored recommendations at every plan member’s fingertips—helping them make more informed food choices that can either help prevent or manage chronic conditions, such as diabetes, high cholesterol and heart disease.
What is RxFood?
RxFood is Canada’s first clinically validated nutrition platform that’s used and trusted by leading health care institutions across the country, including SickKids Hospital, Diabetes Canada, Children’s Hospital of Eastern Ontario (CHEO) and more, to support better health outcomes through nutrition.
While we can track many aspects of our daily health—steps, heart rate, sleep, and blood sugar—food is often overlooked. RxFood helps close that gap by using technology that’s powered by artificial intelligence (AI) to turn everyday meals into meaningful health insights.
How it works
A plan member takes photos of their meals with their smartphone. RxFood will analyze what's on their plate, from nutritional quality to portion sizes, then provide personalized feedback, easy-to-follow suggestions and recipes with ingredient options tailored to their budget.
After a few days of logging, they’ll receive a comprehensive nutrition summary showing how their eating patterns align with their personal health goals, and where to go from there.
Check out the following video to learn more about RxFood— and how Equitable is putting the power to eat healthy in the hands of plan members.
Coming soon: One-time passcodes will be added to account login process
This spring, Equitable will launch a new multi-factor authentication (MFA) security measure to further enhance our digital security. When our new feature takes effect, anyone logging in to EquitableHealth.ca® and the Equitable EZClaim® mobile app with an email address and password may be required to enter a one-time passcode they receive via email. This will further safeguard their account access and personal data.
Keep it simple – create a passkey
If you don’t want to enter a one-time passcode when logging into your account, you can skip this extra step all together by creating a passkey on your mobile device or computer.
Passkeys are safe and provide a quicker, easier way to log in while also enhancing account security. They use either biometrics–your face or fingerprint–or a PIN authenticator to confirm your identity.
If you create and use a passkey to log in, you won’t need to enter a one-time passcode.
Learn more about passkeys. The set-up process is simple. The two videos below guide you through creating a passkey on both your mobile device and computer.
Client and plan member communications
We will share this information with clients and group benefits plan members before we introduce our new security measure. Please reach out to your Group Account Executive if you have any questions.
If you use the same email address to log in to your accounts on EquitableHealth.ca, EquiNet® and Equitable Client Access®, you can use the same passkey. Equitable Client Access is our secure site for Individual Insurance and Individual Wealth clients.
Standardized CLHIA disability form is now part of our disability claims submission packageClients with employees who are submitting short-term or long-term disability claims should be aware that we’ve changed one of the required forms in our disability claim submission package.
The Canadian Life and Health Insurance Association’s (CLHIA) Initial Disability Insurance Medical Statement has replaced our Attending Physician’s Statement (APS) form.
Our disability claim application packages on Equitable.ca and EquitableHealth.ca now include the CLHIA standardized form instead of our APS form. Our old form is no longer available on our websites.
We will continue accepting our previous APS form for initiating disability claims for now. However, we’re encouraging clients to begin using the standardized form as soon as possible. Using a standardized form for disability claims across the group insurance industry helps reduce the administrative burden on physicians by simplifying the disability application process.
If you have any questions, please contact your Group Account Executive.
Reminder: Review manual allocations for HCSAs and/or TSAs
If your client’s Health Care Spending Account (HCSA) and/or Taxable Spending Account (TSA) has manual allocations, they need to allocate these amounts to plan members each year.
Plan administrators can update these amounts on EquitableHealth.ca. Here are the steps:- Select View certificate
- Select Health Care Spending Account or Taxable Spending Account
- Select Update Allocation in Task Center
- Enter amount in Revised Allocation Amount
- Override Reason – Plan Administrator Request
- Select Save
- Select Reports
- Select New
- Select Next
- Select HCSA or TSA Totals by Plan Member
- Select Next
- Enter end date of 12/31/2026
- Select Next
- Select Finish
- View Report
Protecting clients’ plans from benefits fraud
March is Fraud Prevention month – the perfect time for clients to educate their plan members on the consequences of benefits fraud.
According to the Canadian Life and Health Insurance Association (CLHIA), benefits fraud costs millions each year and can contribute to higher premiums for plan sponsors.
These resources can help clients and plan members prevent benefits fraud:- CLHIA’s free 15-minute Protect Your Benefits online course for plan administrators and their members
- CLHIA’s Fraud is Fraud program, including their FAQs on benefits fraud
- CLHIA's 10 tips to 'Protect your benefits' for plan members
How we protect against benefits fraud
Our Investigative Claims Unit (ICU) uses a range of techniques, including CLHIA‑led tools, to detect and prevent benefits fraud:- Joint Provider Fraud Investigation Program: Allows insurers to collaborate on fraud investigations that affect multiple insurers.
- Data Pooling Program: Pools data between insurers and uses advanced artificial intelligence (AI) to further identify and reduce benefits fraud.
- Provider Alert Registry: Allows insurers to view the results of other insurers’ anti-fraud investigations into specific practitioners.
To learn more, contact your Group Account Executive. -
Win with clients this winter – Equitable’s Snowball Your Savings contest
This winter, clients’ savings could do more than grow—they could win. From January 1 to March 2, 2026, when clients set up or contribute to a Registered Retirement Savings Plan (RRSP) or Tax-Free Savings Account (TFSA), they will be automatically entered into Equitable’s Snowball Your Savings contest. Here’s the exciting part: two client winners will be randomly selected to receive a prize—just for saving.
Key Dates:
Contribution Period: January 1 – March 2, 2026
Draw Date: March 23, 2026
How to Enter
Getting started is easy—and every eligible contribution is a chance to win!
Step 1: Connect with your clients
Step 2: Help your clients set up or contribute to a RRSP or TFSA that is aligned with their financial needs and goals
Step 3: That’s it! Clients’ entry is automatic—no forms, no hassle!
Whether clients are topping up their TFSA or making a RRSP contribution ahead of tax season, their smart saving could lead to something extra this winter.
Equitable offers trusted, personalized investment solutions and, as a mutual, we provide financial strength and a commitment to helping Canadians grow and protect their wealth.
Visit equitable.ca/snowball for full details
® or ™ denotes trademarks of The Equitable Life Insurance Company of Canada.
Equitable’s Snowball Your Savings contest: No purchase necessary. Contest period January 1, 2026 to March 2, 2026. Enter by making a deposit to an Equitable Tax-Free Savings Account or Registered Retirement Savings Plan during the contest period or by submitting a no-purchase entry. Two prizes for a total value of $10,000 CAD to be drawn on March 23, 2026, will be awarded. The servicing advisor for the contract to which the selected entrant made the deposit is also an eligible winner and will receive a $1,000 CAD prize. For example, if an Equitable client is a winner of the $5,000 prize, the client’s servicing advisor wins a $1,000 prize. Open to legal residents of Canada of the age of majority. 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 the full contest rules. -
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 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:- Online Plan Member Enrolment Quick Reference Guide
- myFlex Online Plan Member Enrolment Quick Reference Guide
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.
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.
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.
- EZcomplete Training and Resources
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Equitable’s Grow Your Way Home contest
From May 1 to August 31, 2026, clients who open an Equitable FHSA, make an FHSA contribution, or set up recurring FHSA deposits are automatically entered into Equitable’s Grow Your Way Home contest. A simple way to reconnect, re‑engage and help guide clients on their journey to home ownership.
Why this matters for your businessUse the contest as a reason to reach out:
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Re‑engage clients who haven’t contributed recently
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Encourage recurring deposits tied to paydays
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Introduce the FHSA to younger clients or first‑time buyers
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Support clients planning to use tax‑refund funds
What clients and advisors can win.There will be two prize draws:
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Two winning clients will receive $8,000.
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Each winning client’s advisor receives $1,000.
See here for full contest rules and details.
How clients earn entries
We’re rewarding actions that help build real progress:
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New FHSA contracts
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One‑time deposits
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Automated monthly or bi‑weekly contributions
Key DatesContest window: May 1 – August 31, 2026
Draw date: September 21, 2026
How to Enter
Submitting contributions is quick and easy:
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Use EZcomplete® to open new accounts or process contributions.
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Use EZtransact® for ongoing client transactions.
Make the most of it
Your Director, Investment Sales can help you build a tailored outreach plan, share conversation starters and identify high‑potential clients to engage throughout the summer. It’s a simple, effective way to spark FHSA activity and strengthen client relationships all season long.
® and ™ denote trademarks of The Equitable Life Insurance Company of Canada.
Equitable’s Grow Your Way Home contest: No purchase necessary. Contest period is May 1, 2026 to August 31, 2026. Enter by: opening an Equitable FHSA during the Contest Period; making a deposit to your Equitable FHSA during the Contest Period; or submitting a no-purchase entry. Two prizes of $8,000 each to be drawn on September 21, 2026 will be awarded to clients. The servicing advisor for the contract to which the selected entrant made the deposit is also an eligible winner and will receive a $1,000 prize. Open to legal residents of Canada of the age of majority. 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 the full contest rules.
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No printing, no scanning—just EZcomplete
EZcomplete® is your simple, digital tool for submitting applications for Equitable’s Pivotal Select™ segregated fund lineup.
How does it work?
EZcomplete® guides you step by step. Once the documents are ready for client review and signature, just enter the client’s email address and give them a secret passcode. They’ll get a secure link to review and sign the documents—no printing or scanning needed!
When can I use it?
Use EZcomplete® for both in-person and non face-to-face meetings. It works with individual, joint, or business clients. You can use it on a tablet, laptop, or desktop with internet access—whatever works best for you.
Why use EZcomplete®?
It’s fast, easy, and secure. For non face-to-face meetings, clients can sign documents remotely using their own device.
Start using EZcomplete® today and make your application process smoother than ever.
If you have any questions, feel free to reach out to your Director, Investment Sales.
Date posted: October 7, 2025 -
Steady may be better than perfect. Why dollar-cost averaging matters.
If clients are saving for a first home, staying consistent matters. A quick explanation of dollar‑cost averaging (DCA) helps them see why investing the same amount on a regular schedule can help reduce the stress of volatility, remove guesswork and keep their First Home Savings Account (FHSA) savings on track — giving you a natural bridge to Equitable’s Grow Your Way Home contest this summer.Reinforce that DCA is about time in the market and consistent behaviour, not trying to pick the “perfect moment.” Here are a few talking points to work DCA into your FHSA conversations.
“Consistency beats guesswork.”
With DCA, clients contribute a fixed amount on a set cadence (e.g., bi‑weekly). That discipline can help them keep moving toward their saving goals even when headlines are noisy.
“Different prices, naturally.”
Regular contributions mean clients buy at various price points over time, which can help smooth out the impact of market ups and downs and also help spread risk.
“Make it automatic.”
Align DCA to paydays. Automating bi‑weekly FHSA deposits builds habit, helps reduce friction and keeps clients progressing toward their first home.
As you continue FHSA conversations this summer, remind clients that DCA plus automation helps them participate consistently, through all market conditions. And from May 1 to August 31, 2026, every Equitable FHSA account opened and every deposit to an FHSA account earns automatic entries in Equitable’s Grow Your Way Home contest.Use EZcomplete® and EZtransact® to keep contributions seamless and connect with your Director, Investment Sales for additional support, tools and ideas to help you continue these conversations throughout the summer.
® and ™ denote trademarks of The Equitable Life Insurance Company of Canada.
Equitable’s Grow Your Way Home contest: No purchase necessary. Contest period is May 1, 2026 to August 31, 2026. Enter by: opening an Equitable FHSA during the Contest Period; making a deposit to your Equitable FHSA during the Contest Period; or submitting a no-purchase entry. Two prizes of $8,000 each to be drawn on September 21, 2026 will be awarded to clients. The servicing advisor for the selected entrant’s relevant FHSA contract is also an eligible winner and will receive a $1,000 prize. Open to legal residents of Canada of the age of majority. 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 the full contest rules.