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1. Clarification: Dialogue Virtual Healthcare available to add to your clients' benefits plans We recently announced that we are partnering with Dialogue to offer unlimited and on-demand virtual access to primary healthcare practitioners.
    
   The announcement indicated that Virtual Healthcare is the latest addition to our HealthConnector suite of health and wellness services and is available to add to all Equitable Life benefits plans as of July 1, 2023.
    
   Please note that there is an additional fee to add the service to your clients’ benefits plans. Our original announcement was not clear enough about this.
    
   We apologize for any confusion this may have caused.
    
   If you have questions about Virtual Healthcare, of if you would like to add the service to a client’s plan, please contact your Group Account Executive or myFlex Sales Manager.
2. New Online Policy Loan Form
   Advisors will now have access to a new digital policy loan form on EquiNet™.
   
   On eligible policies, you can launch a customized policy loan form through the Values tab in Policy Inquiry. (login required)
   
   This form is quick and intuitive. You tell us the loan amount, how your client wants to receive the funds, then confirm your client’s contact info and submit! Once your client signs, it is sent for review and processing within our current service standards.
   
   This is the first form to be digitalized and we plan to continue this work with more forms later this year.
   
   
   ® and ™ denotes trademarks of The Equitable Life Insurance Company of Canada.
3. [pdf] Ownership Change Form
4. October 2019 Advisor eNews

   Coverage of Remicade, Enbrel and Lantus in BC

   As we announced in August, BC PharmaCare recently introduced a new Biosimilars Initiative that ends coverage of three biologic drugs, including Remicade, Enbrel, and Lantus. These drugs will no longer be eligible in British Columbia for most conditions for which lower-cost biosimilar versions are available. Patients in the province with these conditions will be required to switch to biosimilar versions of these drugs by Nov. 25, 2019 in order to maintain their coverage under BC PharmaCare. Patients taking Remicade for Crohn's Disease or Ulcerative Colitis will not be required to switch to a biosimilar until March 6, 2020.
    
   Biologics are drugs that are engineered using living organisms, such as yeast and bacteria. Biosimilars are highly similar to the originator drugs they are based on and most have been shown to have no clinically meaningful differences in safety or efficacy.
    
   To ensure this provincial change doesn’t result in your clients’ plans paying additional drug costs, we have aligned our drug eligibility for these three biologic drugs with that of BC PharmaCare.
    
   As previously announced, effective Nov. 25, 2019, Remicade and Enbrel will no longer be eligible for BC plan members with conditions for which lower-cost biosimilar versions of the drugs are available. These plan members will be required to switch to the biosimilar versions of these drugs in order to maintain eligibility on the Equitable Life drug plan. We have communicated with Plan Administrators about this change, and we have informed affected claimants of the need to switch medications.  
    
   As well, effective Feb. 3, 2020, the drug ingredient cost for Lantus will no longer be eligible for BC plan members; only the dispensing fee may be eligible under their Equitable Life plan. Plan members taking Lantus will be required to switch to Basaglar, the lower-cost biosimilar version of the drug, in order to maintain coverage under their Equitable Life plan. We will be communicating with Lantus claimants in the coming weeks to allow them ample time to change their prescription and avoid any interruptions in their treatment or their coverage.
    
   If you have any questions about this change, please contact your Group Account Executive or myFlex Sales Manager.

   De-listed service providers

   As part of our ongoing initiative to have Group Benefits plans only reimburse eligible claims, we conduct reviews of the billing and administrative practices of service providers, including clinics, facilities and medical suppliers.

   As a result of these reviews we may de-list certain providers.  We will no longer accept, or process claims for services and/or supplies obtained from those providers. The plan member can still choose to obtain services or supplies from these providers, but Equitable Life will not provide reimbursement for the claims.

   Review Equitable Life’s de-listed service providers

   The delisted service provider list is also posted on EquitableHealth.ca for plan members to review to determine if their claim(s) are eligible for reimbursement under their Group Benefits plan.

   For more information about protecting group benefits plans from abuse, check out our articles.

5. Our Critical Illness Insurance Path to Success Program Our Critical Illness Insurance Path to Success program was designed with you, the Advisor, in mind.
   
   Path to Success: Expert Advice on navigating CI Sales provides you with actionable ideas and scripts that you can implement immediately into your critical illness insurance meetings. CE Credits are available if you review the program in its entirety and complete the quizzes at the end of each section.
   
   Learn more about the CI Path to Success Program
   Next steps:
   If you have any questions or are interested in getting access to this program, please reach out to your Regional Sales Manager directly.
   
   Enhancements to our Critical Illness Insurance product EquiLiving®
   The timing couldn’t be better for connecting with your Regional Sales Manager to gain access to this program, as we have made recent enhancements to our Critical Illness product that will help you offer more options to clients. We’ve enhanced our EquiLiving plans and riders with:
   
   •  20 pay options with coverage to age 75 or coverage for life
   •  Support from Cloud DX to help monitor a client’s well-being from treatment to recovery
   •  Added Acquired Brain Injury as a covered critical condition 
   •  30-day survival period removed for all non-cardiovascular covered conditions
   •  No age restriction to claim for Loss of Independent Existence (LOIE)
   •  Adult Covered Conditions definitions updated to 2018 CLHIA definitions
   •  Increased the number of Early Detection Benefit covered conditions from 4 to 8
   •  And so much more …
   
   Contact your Regional Sales Manager to get set up in the program and learn about other CE accredited presentations happening each week. 
6. Introducing Empathy – Compassion and care at times of loss
   We’re excited to announce our partnership with Empathy– the company behind the Empathy Loss Support benefit.
   
   As a trusted advisor, you play a vital role in guiding clients through some of life’s most difficult moments. We understand this and believe Empathy can provide vital support at a time of loss. This is why Equitable^® has added this new benefit to all new and existing individual life insurance policies at no additional cost.
   
   About Empathy
   Empathy Loss Support begins when a claim is initiated. When a client’s loved one notifies us, our Client Care Centre connects them to Empathy’s user-friendly app or website. They can choose the Empathy services they need, including human support, and helpful tools. Empathy will help them navigate both the emotional and logistical challenges following a loss.
    

   Introduced to loved ones at time of claim

   Easy to use co-branded app

   Adding value beyond the policy

   Share the good news
   Include Empathy in your client conversations about life insurance. Show clients how Equitable leads with Care, Compassion, and Empathy.  Our commitment to clients is at the heart of everything we do.
   
   To learn more, visit our Empathy page.
   
   Questions?  Please contact your Equitable wholesaler.
   
   
   
   
   
   This loss support benefit is provided by Empathy and is available to all Equitable life beneficiaries aged 18+ years and residing in Canada. Equitable does not have access to the information provided to Empathy and is not responsible or liable for the services provided by Empathy. Empathy does not represent Equitable nor have the right to bind Equitable. Equitable may modify access to or discontinue offering the Empathy service at any time.
   
   Empathy does not provide legal, medical, financial, or accounting advice, nor does Empathy provide mental health diagnosis or treatment. We recommend consulting a professional on such matters.
7. [pdf] Application for Contract To Sell Insurance Products and Request for Sponsorship
8. [pdf] Application for Agency Contract to Sell Insurance Products - MGA, AGA and National
9. [pdf] Application for Fundserv Contract (segregated funds only) - Dealer and Advisor
10. [pdf] Do you know Dakari and Ash