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  1. [pdf] GIA Laddering Option
  2. [pdf] Managing a Retirement Savings Plan tax refund
  3. [pdf] B2B RSP Loan Product Brochure
  4. 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.



     
  5. About
  6. Anti-money laundering legislation changes To comply with the Government of Canada’s anti-money laundering legislation and FATCA/CRS changes, Equitable Life® has made changes to the information that we collect on some of our applications and forms.

    Changes and updates to our online forms and applications include the following:

    ● The 350 Application for Life Insurance -  Advisors can order new paper applications from Equitable’s Supply Team by filling out the Supply Order form 1390 and emailing it to supply@equitable.ca. You will receive your copies as they become available.
    ◦ Paper applications submitted after May 15, 2021, with a version date before April 2, 2021 will be accepted with the caveat that additional information may be required from the advisor to comply with anti-money laundering legislation. 
    ◦ As of July 1, 2021 any application with a version date prior to April 2, 2021 will no longer be accepted by Equitable Life.

    ● Equitable’s EZcomplete® online application reflects the new changes effective May 15, 2021. Any in-flight applications in EZcomplete will automatically be updated to comply with anti-money laundering legislation. You may be required to complete additional fields before submitting the application for signatures.

    ● Various other forms will now require additional information. A complete list of all forms and applications affected by the anti-money laundering legislation can be found here. 

    Learn more about the Government of Canada’s anti-money laundering legislation and Financial Transactions and Reports Analysis Centre of Canada
  7. Equitable Life's COVID-19 Information Page


    Get the latest news and information from Equitable Life by bookmarking this page. Check back often for updates.

     

    Click here for news related to Savings and Retirement.

  8. A good time to look at the Equitable Money Market Fund Whether clients are looking for a short-term cash savings solution or are interested in funding a dollar cost averaging strategy, the Equitable Money Market fund may be an ideal solution.

    With a current yield to maturity of 1.43%*, the fund provides maximum income through short-term investments consistent with preservation of capital and liquidity. 

    And advisors earn the full commission upon deposit on funds used for a dollar cost averaging strategy.

    For more information check out Equitable Money Market Fund or contact your Director, Investment Sales.

    * As of March 30, 2026, net of fees. Applicable to Pivotal Select and Equitable GIF contracts. Yield to Maturity: The market value weighted average yield to maturity includes the coupon payments and any capital gain or loss that the investor will realize by holding the bonds to maturity.

    ™ or ® denote registered trademarks of The Equitable Life Insurance Company of Canada.

    Date posted: March 31, 2026
     
  9. April 2024 eNews

    In this issue:

    • Competitive – and easy – benefits plans for your small business clients
    • Simplifying benefits enrolment for your clients*
    • NEW time-off tracking tool from HRdownloads*
    • Focus on benefits fraud: Protecting your clients’ plans from abuse*
    *Indicates content that will be shared with your clients who receive these benefits.
     

    Competitive – and easy – benefits plans for your small business clients

    Supporting your small business clients can be a challenge. It’s tough to find a competitively-priced benefits plan with the features they want. Small business owners may also need more of your time – especially if this is their first benefits plan.
     
    That’s why we created Equitable EZBenefits™, a benefits solution designed with the needs of small businesses in mind. With a range of plan design options and valuable embedded services for plan sponsors and plan members, EZBenefits is available for groups with 2 to 25 employees. And to make things simpler for you, we’ve created an Advisor Concierge Service exclusively for EZBenefits. Whether you have a question about submitting a quote request for a new client or an issue with an in-force client, our Concierge Service is your go-to resource for EZBenefits support.  

    Don’t have any EZBenefits clients yet?

    To learn more about EZBenefits, watch our video to learn more or view our brochure.

    Simplifying benefits enrolment for your clients*

    Navigating the benefits enrolment period can be overwhelming – for you, your clients and their employees. It’s difficult to ensure all plan members complete the necessary paperwork before the enrolment deadline. 

    That’s why we offer our secure Online Plan Member Enrolment tool at no extra cost to plan sponsors. The tool simplifies the onboarding process for your clients and their plan members by eliminating the need for paper enrolment forms.
     
    It also makes enrolment faster and easier for your clients by:

    • Reducing errors and rework that can occur due to spelling mistakes or missing information on paper forms; and
    • Sending automatic enrolment reminders to plan members, resulting in fewer late applicants. 
    Our user-friendly interface allows plan members to:
    • Enrol in their benefits plan in just minutes from their computer or mobile device;
    • Easily enter all their enrolment information, including dependent details, banking information for direct deposit of claim payments and details for coordination of benefits; and
    • Designate their beneficiary electronically. 

    Ready to share our Online Plan Enrolment Tool with your clients? Get them started with these helpful resources:

    To learn more about how Online Plan Member Enrolment can simplify benefits enrolment for your clients, contact your Group Account Executive or myFlex Account Executive.

    NEW time-off tracking tool from HRdownloads*

    Through our partnership with HRdownloads®, EZBenefits clients now have complimentary access to Timetastic —a time-off tracking tool that can make it easier to manage employee vacation time, sick days and more.
     
    Timetastic integrates seamlessly with HRdownloads and includes a mobile app to help manage time-off requests from any mobile device.
     
    To see Timetastic in action, check out this demo.
     
    EZBenefits also includes other helpful resources and tools from HRdownloads that can make daily human resources tasks easier, including:
    • A robust, award-winning HR management platform (HRIS);
    • HR documents, templates, compliance resources and articles; and
    • A live HR advice helpline. 
    All of our other Equitable group benefits clients can get a 10% discount on HRdownloads services. Visit the link below or contact your Account Executive for more information.

    Learn more about accessing HRdownloads.

    Focus on benefits fraud: protecting your clients’ plans from abuse*

    According to the Canadian Life and Health Insurance Association (CLHIA), benefits fraud costs insurers and plan sponsors millions of dollars each year, which can lead to increased premium costs.
     

    Resources for your clients

    Both plan administrators and plan members play a role in preventing benefits abuse. So, we’ve compiled some resources you can share with your clients to help them understand what benefits fraud is and how to prevent it: Encourage your clients to educate their plan members about the potential consequences of benefits fraud, including losing their benefits, losing their job and even jail time. 

    How we’re fighting benefits fraud

    Our Investigative Claims Unit (ICU) works to detect and eliminate benefits fraud. We use a variety of investigative techniques, including CLHIA-led industry tools to detect and eliminate benefits fraud: 
    • Joint Provider Fraud Investigation Program: A robust program that allows insurers to collaborate on fraud investigations that affect multiple insurers;
    • Data Pooling Program: An initiative that pools data between insurers and uses advanced artificial intelligence to further identify and reduce benefits fraud; and
    • Provider Alert Registry: A registry that allows insurers to view the results of other insurers’ anti-fraud investigations into specific practitioners. 
    To learn more about benefits fraud and Equitable’s commitment to protecting our benefits plans, please contact your Group Account Executive or myFlex Account Executive.
  10. Individual Wealth Marketing Materials