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EXCITING NEWS! Digital Transactions for Universal Life Plans Now Available We are happy to announce a major update to our digital systems that makes managing Equitable Universal Life (UL) policies easier than ever. Starting now, you can use digital transactions to submit your clients’ instructions to change their UL deposit allocations and transfer funds between accounts.

This update builds on the recent launch of our digital policy loan request on EquiNet^® and is another step towards making your Equitable^® experience easier and more convenient.

What's New?
In the past, you had to submit written requests for UL deposit allocation changes and account value transfers using the Universal Life Form 693UL (you can still use this method if you prefer).

Now, you can manage these transactions directly through the secure EquiNet advisor portal. This new process also allows clients to securely approve their requested changes by email.

To get started, simply log into your account on EquiNet and go to the Policy Inquiry tab.
We have provided a brief user guide to help you through the steps.

We trust that this digital upgrade will enhance the way you work with Equitable. Stay tuned for more digital enhancements in the near future!

Thank you for your continued support and partnership.

Questions? For more information, please reach out to your wholesaler or our customer service team.

^® or ^TM denotes a trademark of The Equitable Life Insurance Company of Canada.
Message from Equitable President and CEO Fabien Jeudy
I’m pleased to share our new brand with you. It’s an expression of our renewed purpose and commitment to work together, with our partners, to focus exclusively on our clients, protecting today and preparing tomorrow.

Our commitment to you

The new Equitable^® brand signifies our focus on making it even easier to do business with us. To continuously refresh our products to meet the evolving needs of Canadians. And to strengthen our partnerships that enable growth and positive outcomes. The result is an uncompromising commitment to our clients, our partners, our advisors, and our people.

A year of transitioning to our new brand

Over the next year, we’ll make the transition away from our legacy look as our new look starts to emerge. We’ll invest in building more brand awareness so that together we can help even more Canadians. What you should know is that no matter old or new, our commitment is always focused on our clients, together with our partners.

Join us in the journey

We’ll provide more details on the changes we’re making, and we welcome you to join in the journey. I encourage you to reach out to your Equitable point of contact or visit equitable.ca to learn more.

Why Equitable? The Power of Together.
View video on Vimeo.

Equitable’s New Logo.
View video on Vimeo.

Sincerely,
Fabien Jeudy
President and CEO

Equitable Life Group Benefits Bulletin – December 2021 In this issue:

Supporting plan members affected by the flooding in Nova Scotia and Newfoundland*
Update: Changing certificate numbers on EquitableHealth.ca*
Help plan members take advantage of convenient digital options*
Ontario optometrists and government to restart negotiations*
QDIPC updates terms and conditions for 2022*

*Indicates content that will be shared with your clients

Supporting plan members affected by the flooding in Nova Scotia and Newfoundland*

The recent flooding in Nova Scotia and Newfoundland is having a devastating impact on the province’s residents.

Here are some of the ways we can help support your clients’ plan members who are affected by the flooding.

Prescription refills
Until Dec. 31, our pharmacy benefit manager, TELUS Health, will allow early refills for plan members who have been evacuated and/or lost their medication due to the flooding.

Replacement of medical or dental equipment and appliances
If plan members in Nova Scotia or Newfoundland need to replace any eligible medical or dental equipment or appliances (e.g. prescription eyeglasses, dentures, etc.) due to the flooding, they can call us at 1.800.265.4556 before incurring additional expenses to see how we can support them.

Disability or other benfit cheques
If plan members affected by the flooding are receiving disability benefits or other benefit reimbursements by cheque, they can visit www.equitable.ca/go/digital for easy instructions on how to sign up for direct deposit. It’s easy and takes just a few minutes. They can call us at 1.800.265.4556 if they need help. We can also arrange for a different mailing address or replacement cheques if necessary.

Mental Health Support
A natural disaster can also take a serious toll on people’s mental health. All of our plan members have access to the Homeweb online portal and mobile app, including numerous articles, tools and resources designed to provide guidance and support in difficult times. Homewood has put together some suggestions on how to help employees affected by a natural disaster.

For your clients with an Employee and Family Assistance Program, remind them that their plan members have 24/7 access to confidential counselling through a national network of mental health professionals. Whether it’s face-to-face, by phone, email, chat or video, plan members will receive the most appropriate, most timely support for the issue they’re dealing with.

If a client wishes to add the EFAP to their plan, we can do this quickly – often in just a few days. Simply contact your Group Account Executive or myFlex Sales Manager.

Plan Administrator support
We realize that the flooding may also be having an impact on the regular business operations of your clients in Nova Scotia and Newfoundland. If any of your clients are unable to carry out day-to-day plan administration, they can call us at 1.800.265.4556 to see how we can support them.

We know this is a challenging time for many of your clients and their plan members. We will continue to monitor the situation and provide additional updates as appropriate.

Update: Changing certificate numbers on EquitableHealth.ca*

Effective Dec. 10th, plan administrators will no longer be able to update or change plan members’ certificate numbers on EquitableHealth.ca. This change will ensure we can manage these changes more effectively to provide a smoother plan member experience.

If your clients need to update a plan member’s certificate number, please have them reach out to Group Benefits Administration for assistance at groupbenefitsadmin@equitable.ca.

Help plan members take advantage of convenient digital options*

We have several digital options available to make it easier for your clients to do business with us and for their plan members to access and use their benefits plan.

To help build awareness among plan members, we’ve created two posters that your clients can post on their intranet sites or in their office. The posters provide easy instructions on how to activate our secure, digital options.

Please click on the links below to download the posters.

EquitableHealth.ca posters: EZClaim mobile app posters:
EquitableHealth.ca English EZClaim mobile app English poster
EquitableHealth.ca French poster EZClaim mobile app French poster

Ontario optometrists and government to restart negotiations*

The Ontario Association of Optometrists (OAO) announced it has paused its job action and will restart negotiations with the Ontario Ministry of Health on funding for optometry services.

In September, Ontario optometrists began withholding services from patients covered by OHIP, including children, senior citizens and other patients with certain medical conditions, after negotiations with the Ministry of Health over compensation broke down.

Residents of Ontario between the ages of 20 to 64 who aren’t eligible for coverage of eye services under OHIP were not affected by the job action. They were able to continue to receive eye exams from their optometrist and submit eligible claims to their benefits plan.

QDIPC updates terms and conditions for 2022*

Every year, the Quebec Drug Insurance Pooling Corporation (QDIPC) reviews the terms and conditions for the high-cost pooling system in the province. Based on its latest review, QDIPC is revising its pooling levels and fees for 2022 to reflect trends in the volume of claims submitted to the pool, particularly catastrophic claims.

Size of group (# of certificates)	Threshold per certificate 2022	Annual factor (without dependents	Annual factor (with dependents)
Fewer than 25	$8,000	$276.00	$771.00
25 – 49	$16,500	$188.00	$527.00
50 – 124	$32,500	$97.00	$328.00
125 – 249	$55,000	$66.00	$223.00
250 – 499	$80,000	$51.00	$173.00
500 – 999	$105,000	$39.00	$153.00
1,000 – 3,999	$130,000	$34.00	$133.00
4,000 – 5,999	$300,000	$18.00	$71.00
6,000 and over	Free market – Groups not subject to Quebec Industry Pooling

We will apply the new pooling levels and fees to future renewal calculations that involve Quebec plan members.

Take advantage of our online services today!
Introducing Equitable Guaranteed Investment Funds

We’re excited to introduce the next evolution of the product advisors know and trust most. You made segregated funds our #1 wealth solution. Now, we’ve made it even better with enhancements designed to help power your growth and help deliver even more value to clients.

Discover Equitable Guaranteed Investment Funds™
- More choice & flexibility when it comes to our investment fund lineup
- Better pricing advantages including the option for clients to group account values together within a household
- New features & tools like asset rebalancing to make portfolio management easier
Individual Wealth is in growth mode — and advisors like you are the reason why.

If you were already offering our segregated funds to clients or were on the fence about segregated funds altogether, there’s never been a better time to explore Equitable Guaranteed Investment Funds.

Have questions or want a walkthrough? Our team is here to support your success every step of the way. Meet the team.
Forget the password. Create your EquiNet passkey today. Passkey technology lets you log in to your EquiNet account securely using your face or fingerprint, removing the need for a password. Your biometric data stays safely on your device, making passkey a simple, fast, and highly secure way to access your account. You may already be using passkey on your personal devices.

Ready to get started? Watch the video to learn how to create a passkey on your mobile device. Starting this December, if you choose to continue to log in using your email address and password, you may also be required to enter a one-time passcode that’s sent to your email.

Important! Protect your credentials.

In 2026, all your Equitable^® accounts will use the same credentials to log in.

Remember that you have personal information in your Client Access^® and EquitableHealth.ca^® accounts. To keep your personal information private and safe, make sure you’re the only one using your login credentials.

Watch for ongoing communications and updates about how Equitable is helping to protect your information.
EZCOMPLETE TRAINING AND RESOURCES
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.
With the Equitable Life FHSA, you don’t have to wait to get clients’ money working for them The Equitable™ First Home Savings Account is off and running! Thanks to your amazing support, many clients have already taken advantage of the great benefits the FHSA has to offer. Let’s keep the momentum going.

Clients don’t need to wait to start making their dream of home ownership a reality!

With the Equitable FHSA they can put their money to work right away. Available on Pivotal Select™ Investment Class (75/75) and Pivotal Select Estate Class (75/100), the Equitable FHSA offers clients an array of investment products to suit their individual needs and risk tolerance.

Don’t wait. Get clients started today!

And, clients who open a FHSA before December 31, 2023, have a chance to win $8,000 towards their 2024 FHSA contribution. And, the advisor wins $2,000!

To open a FHSA for clients, log into EZcomplete®, our highly rated online application tool. It is easy to use, convenient, and fast.

For more information on FHSA, including a FAQ, and client materials, visit EquiNet® or contact your Regional Investment Sales Manager. 

® and ™ denotes a trademark of The Equitable Life Insurance Company of Canada.

Equitable FHSA Contest: No purchase necessary. Contest period September 11 to December 31, 2023. Enter by making a deposit to an Equitable FHSA during the contest period or by submitting a no-purchase entry. One prize for a total value of $8,000 CAD to be drawn on January 16, 2024, will be awarded. The servicing advisor for the policy to which the selected entrant made the deposit is also an eligible winner will receive a $2,000 CAD prize. For example, if an Equitable client is a winner of the $8,000 prize, the client’s servicing advisor wins a $2,000 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 full contest rules.

Posted November 7, 2023
Policy Change eDelivery