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  1. Updated Temporary Resident Guidelines – Student Permit Requirements We are pleased to announce that we have clarified the student permit requirements of our Temporary Resident Guidelines.
    ● The guidelines for Student Visa holders attending elementary and secondary school students have been outlined in further detail.
    ● The guidelines for Student Visa holders attending post secondary educational institutions have been enhanced with additional details regarding professional programs, as well as post-secondary programs not included in the professional program category. 

    Read more about the details of the changes in the updated Residency Guidelines form 1530.

    We have also added an additional note to the 1343 Evidence of Insurability to specify the following:
    ● If in Canada for less than 1 year, Paramedical, Blood Profile with Hepatitis screens and Urinalysis tests are required for applicants of attained age 17 or over.

    Read more about the details of the change in the updated Evidence of Insurability 1343.

    Please contact your local wholesaler for more information. 
     
  2. [pdf] B2B RSP Loan Product Brochure
  3. Coming soon – 2024 Product Updates What’s changing?

    Updates include changes/enhancements to our flagship Equimax® Par Whole Life product, Evidence of Insurability Schedule and more. A detailed summary of all the changes will be available on October 8, 2024.

    The Transition Rules, for handling new and in-progress life applications, are effective October 5, 2024.

    Need more information?
    Contact your Equitable wholesaler. Watch for more details on October 8.











    ® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada.
     
  4. Delegation Requests Now Available on EquiNet We are excited to announce a new feature that will help make it easier for you to do business with Equitable Life.
     
    This new feature allows you, to submit a delegation request through the “Access” tab under your EquiNet profile. 

    Once the delegation request has been completed, the specified people will be able to view and manage the policies of the Advisor who submitted the request, as long as they have codes of their own within the system.
     
    Please contact the customer service team at customerservice@equitable.ca for more information.
  5. Start a Conversation with EZstart – Now Available for Equimax Wealth Accumulator Looking for an easy way to explain insurance? We have a digital tool to do just that!
     
    Start a Conversation with EZstart™
     
    EZstart helps to commence those initial client conversations. Think of it like a digital brochure: you start a conversation about life goals, enter a few details - and within a few clicks - get a quick quote on your phone or tablet instantly.

    We have a NEW EZstart for Equimax Wealth Accumulator® available. Go to the EZstart for Equimax Wealth Accumulator now.

    Don’t forget about our other EZstart tools that are available for you. Learn more. 
     
    ® and TM denote trademarks of The Equitable Life Insurance Company of Canada.
  6. [pdf] Another reason to invest with Equitable
  7. [pdf] Do you know Alyssa
  8. Equitable Life Coronavirus Update – March 13, 2020

    As the coronavirus (COVID-19) continues to spread, it’s important that you, your clients and their plan members have the most up-to-date information. We are providing timely updates on any developments that impact your clients and their plan members or their benefits coverage.

    Please share this information with your clients. You can direct them to EquitableHealth.ca, where we have posted a version of these updates.

    Coronavirus travel coverage*

    For groups with Travel Assist coverage

    The Public Health Agency of Canada has issued several Travel Health Notices advising Canadians to avoid travel to countries and regions where there have been outbreaks of coronavirus (COVID-19).

    A good resource to help your clients and their plan members understand how the spread of the coronavirus may impact their travel plans is the Public Health Agency of Canada’s Coronavirus Travel Advice site. The levels of risk by country and region are regularly updated.

    If your clients’ plan members cannot avoid travelling, Public Health recommends they take steps to prevent illness and seek medical attention if they become sick.

    Where to find the latest information

    The list and level of travel advisories can change at any time. Please check the Government of Canada’s Travel Advisor and Advisory page for the most current information.

    If your clients’ plan members have coronavirus symptoms while travelling, please advise them to contact Travel Assist at the numbers listed below for assistance.

    Advise plan members to call before they travel

    If a plan member is travelling anywhere outside of the province or country and their benefits plan includes Travel Assist, plan administrators should advise them to make sure they’re prepared for a medical emergency by following these steps.

    1. Check the Government of Canada’s Travel Advisor and Advisory page. Note that it is important to click on the country to check whether any specific regions of that country have travel advisories.
    2. If they have questions, they should call Travel Assist before they travel for assistance and benefit information.
    3. Pack their Equitable Life benefits card and provincial health card.
    4. In a medical emergency, call the Travel Assist 24-Hour Hotline:
    • Toll-free Canada/USA: 1.800.321/9998
    • Global call collect: 519.742.3287
    • Allianz Global Assistance ID #9089

    Allianz Global Assistance administers Equitable Life’s Travel Assist benefits. Allianz has an international network of medical facilities, transportation providers, medical correspondents and multilingual administrative agents who aid with medical, legal and most travel-related emergencies 24-hours a day, seven days a week.

    Early prescription refills and drug shortages*

    In response to concerns about COVID-19 TELUS Health, our pharmacy benefits manager, has announced it is maintaining its standard rules for refills of medication. Plan members can refill their medications when at least two-thirds of the last dispensed supply has been used.

    If plan members need more than the maximum supply allowed on their plan, they must pay out-of-pocket for the excess amount. They can then submit a claim to ask for an exception request.

    TELUS is taking this position to help maintain access to medication for all patients. They continue to monitor the situation. We will provide an update if it changes.

    Drug shortages

    TELUS Health monitors for drug shortages and updates their system for any unavailable drugs. This helps to ensure accurate claims payment. If a referenced lowest-cost generic drug is unavailable, claims for drugs in the class will be paid at the next lowest-cost generic alternative available.

    *Indicates content that will be shared with your clients

  9. Tax impacts of the Canadian Dental Care Plan for your clients

    Tax impacts of the Canadian Dental Care Plan for your clients*


    Earlier this year, the government shared its progress on the Canadian Dental Care Plan (CDCP). 

    The CDCP will be available to Canadians with an annual family income of less than $90,000 who do not have dental benefits. Co-pays will be waived for eligible Canadians with a family income of less than $70,000. 

    Canadians who have access to private dental coverage are not eligible for the CDCP. This means that your clients must now report on T4s/T4As if dental coverage** was available on December 31 of the reporting tax year for:
    • Employees,
    • Employees’ spouses and/or dependents,
    • Former employees, and
    • Spouses of deceased employees.
    **Potential dental coverage includes Health Care Spending Accounts.

    This new tax reporting requirement is mandatory starting with the 2023 tax year. Employee tax slips will include new boxes for employers to complete:
    • Box 45 (T4): Employer Offered Dental Benefits. This new box will be mandatory.
    • Box 015 (T4A): Payer Offered Dental Benefits. This new box will be mandatory if plan sponsors report in Box 016, Pension or Superannuation. The box will otherwise be optional.
    Your clients should complete the boxes using the code system below. They should choose the appropriate code based on whether Dental coverage was available to the plan member – not whether the plan member has chosen to participate in the coverage.  For example, if a plan member has waived coverage or has chosen not to participate in the plan, they would still have access to coverage.
    • Code 1: The plan member has no access to dental care insurance or coverage of dental services of any kind.
    • Code 2: Only the plan member has access to any dental care insurance, or coverage of dental services of any kind.
    • Code 3: The plan member, their spouse and their dependents have access to any dental care insurance, or coverage of dental services of any kind. 
    • Code 4: Only the plan member and their spouse have access to any dental care insurance, or coverage of dental services of any kind. 
    • Code 5: Only the plan member and their dependents have access to any dental care insurance, or coverage of dental services of any kind. 
    Your clients can find further information about completing tax slips for employees on the Canada Revenue Agency’s website:

    Reports for dependents

    We have a report available for plan members who have enrolled their dependents in benefits coverage. Your clients can contact their local service team representative to receive a copy of the report. We are working to make it available on our Advisor and PA websites.
     

    Questions

    For guidance on your tax slips and reporting obligations, please encourage your clients to contact their accountant, payroll provider or tax advisor.
     

    Supporting plan members affected by the Israeli-Palestinian conflict*


    Traumatic events continue to unfold in the Middle East. Enduring ongoing news of conflict and suffering could challenge many Canadians. During this difficult time, Equitable encourages affected clients and plan members to access the mental health support they need. 


    Support available to all Equitable plan members

    Large-scale traumatic news events can cause people to experience intense reactions. This puts a lot of strain on their mental health. Having coping mechanisms to deal with the current crisis can be a huge help. Any Equitable Life plan member who needs mental health support can visit Homeweb.ca/equitable to access online resources or contact Homewood at 1.888.707.2115.  
     

    Support available to plan members with the Homewood Health EFAP

    For your clients that have purchased Homewood Health’s Employee and Family Assistance Program (EFAP), remind them that their plan members also have access to confidential counselling services. The EFAP provides plan members with 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 and their dependent family members will receive appropriate, timely support for the issue they’re dealing with. 
      

    Questions? 

    If you need more information, contact your Group Account Executive or myFlex account executive.

    *Indicates content that will be shared with your clients.