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1. Group - Health, wellness & online services
2. February 2020 Advisor eNews

   In this issue:

   Provincial biosimilar update
   Legislative changes for Alberta’s Coverage for Seniors program
   Coming soon: enhancements to Equitable EZClaim® Online
    

   Provincial biosimilar update

   

   Alberta Biosimilar Initiative

   On December 12, 2019, the Alberta government introduced the launch of the Alberta Biosimilar Initiative. This program will require patients using several originator biologic drugs to switch to a biosimilar, and patients using a non-biologic complex drug (NBCD) to switch to its subsequent entry version before July 1, 2020 in order to maintain coverage.

   Biologics are drugs that are engineered using living organisms like yeast and bacteria. The first version of a biologic developed is also known as the “originator” drug. Biosimilars are highly similar to the originator drug they are based on and have been shown to have no clinically meaningful differences in safety or efficacy.

   Alberta Health will initially cover both the originator and biosimilar or subsequent entry version of a NBCD  drug as patients start the switching process.

   The following table outlines the affected originator drugs, their biosimilars or subsequent entry, and the conditions affected by the program.

   Biosimilar Drug	Originator	Biosimilar/Subsequent Entry	Indications Affected
   etanercept	Enbrel	Brenzys	Ankylosing Spondylitis Rheumatoid Arthritis
   		Erelzi	Ankylosing Spondylitis Psoriatic Arthritis Rheumatoid Arthritis
   infliximab	Remicade	Inflectra Renflexis	Ankylosing Spondylitis Plaque Psoriasis Psoriatic Arthritis Rheumatoid Arthritis Crohn’s Disease Ulcerative Colitis
   insulin glargine	Lantus	Basaglar	Diabetes (Type 1 and 2)
   Filgrastim	Neupogen	Grastofil	Neutropenia
   pegfilgrastim	Neulasta	Lapelga	Neutropenia
   glatiramer*	Copaxone	Glatect	Multiple Sclerosis

   *Glatiramer is a non-biologic complex drug where the originator is Copaxone and the subsequent entry is Glatect.

   Equitable Life is actively investigating the benefit, risk and appropriate plan changes associated with this new policy on private drug plans and will keep you informed.

   For more information about the Alberta Biosimilars Initiative, consult the Alberta government website.

   British Columbia

   In 2019, BC Pharmacare introduced a Biosimilars Policy that impacted coverage of three biologic drugs – Remicade, Enbrel and Lantus. As of November 25, 2019, these drugs were no longer eligible in BC for most conditions for which lower cost biosimilar versions are available. Patients in the province with these conditions were required to switch to biosimilar versions of these drugs in order to maintain their coverage.

   The second phase of the BC Biosimilar Policy takes effect March 6, 2020 when Remicade will be delisted for Crohn’s Disease and Ulcerative Colitis. Patients in the province with these conditions will be required to switch to Inflectra or Renflexis in order to maintain their coverage.

   Biosimilar Drug	Originator	Biosimilar	Indications Affected
   infliximab	Remicade	Inflectra Renflexis	Crohn’s Disease Ulcerative Colitis

   We have communicated with the affected plan members, informing them of the need to switch medications. If plan members have any questions or concerns, our Customer Care team is here to help and support them through the transition.

   If you have any questions about this policy, please contact your Group Account Executive or myFlex Sales Manager.

   Ontario

   In November 2019 Ontario Minister of Health Christine Elliot indicated that the government was planning to launch consultations to explore solutions in managing biologics.

   Equitable Life will continue to monitor these developments and keep you informed of any impact on private drug plans.

    

   Legislative changes for Alberta’s Coverage for Seniors program

   

   The government of Alberta has announced that as of March 1, 2020, seniors’ family members (such as spouses and dependents) who are younger than 65 will no longer be covered by the provincial Coverage for Seniors program. Albertans 65 years of age and older will continue to be covered under the provincial plan.

   Equitable Life plan members and their dependents will continue to be covered under the parameters of their group benefits plan.

   For more information, please see the Alberta Seniors Health Benefits website.

    

   Coming soon: enhancements to Equitable EZClaim^® Online

   

   Faster vision claims processing and payment

   Equitable Life will soon provide real-time processing of vision claims submitted via EZClaim Online.

   This means plan members will be able to find out the status of their vision claim almost instantaneously. And, for approved claims, they will receive payment even sooner – often in as little as 24 hours.

   In order to allow for instantaneous processing and faster payment, plan members will be prompted to enter some additional information including the practitioner’s name, the date of the expense, the type of expense and amount of the expense when submitting their claims for these services.

   Equitable Life plan members can submit all vision claims via EZClaim, including coordination of benefits and Health Care Spending Account claims.

   This enhancement will be coming to our EZClaim Mobile app in the coming months.

   New printable claims extract

   As part of our ongoing efforts to improve customer experience for plan members, we will also offer a claims extract in a printable format within the plan member site. Plan members will be able to select a date range and claimant, then generate and download a detailed list of health and dental claims. This is a helpful way to keep track of claims, especially when reviewing them in preparation for income tax filing.

   Once these enhancements are live you will be notified in an eNews, and an announcement will be posted on the plan member section of EquitableHealth.ca.

    

   Elimination of Out-of-Country Travellers Program in Ontario

   

   Effective January 1, 2020, the Ontario government eliminated OHIP coverage for emergency services for Ontarians travelling outside of Canada.

   Previously, the Out-of-Country Travelers Program provided some reimbursement for services required to treat conditions that are acute, unexpected, arose outside Canada and require immediate treatment. The program covered between $200 and $400 per day for inpatient services and $50 per day for outpatient and doctor services.

   For groups who have out-of-country coverage from Allianz, this change will not impact the cost to your plan members, or the process plan members follow in the event of an emergency while travelling.

   Plan members should still call Allianz in the event of an out of country emergency. Allianz will deal with their claim as usual and will now pay for the portion of the claim previously paid by OHIP. Plan members will not have any additional out-of-pocket costs.

   We will be sharing this information with plan members as a news item on our plan member website, equitablehealth.ca.

3. New and improved online calculators

   Individual Wealth is excited to announce the launch of eight refreshed and enhanced online calculators! These tools are designed to help advisors and clients make more informed and accurate financial decisions.
   
   Why the change?
   We have switched vendors to Ativa Interactive, a Canadian company with 30 years of experience in financial services. Their tools are more reliable and easier to use, offering a better advisor and client experience. Ativa Interactive has a robust portfolio of calculators available, giving us the opportunity to expand our offerings in future.
   
   What’s available?
   We kept the calculators you use most and added two new ones based on your feedback.
   
   Popular calculators being refreshed:
   •    Will the money last calculator
   •    Savings Growth Calculator
   •    TFSA vs taxable investment calculator
   •    Retirement Projection Calculator
   •    Become a millionaire calculator
   •    RRIF Payment Calculator
   
   New additions:
   •    GIA laddering calculator
   •    First home savings account calculator

   These calculators are live and ready to support client conversations.
   
   Questions?
   If you have any questions or need support, please reach out to your Director, Investment Sales.
   
   Date posted: August 28, 2025
4. Two options for supporting plan members during the pandemic

   We know these are difficult times. In addition to concerns about their health and the health of their family, working Canadians are worried about their jobs and their finances. Fortunately, through our partnership with Homewood Health^®, we have two options for employers to support their employees through this crisis.

   Below is an overview to refer to when you're meeting with your clients. Or you can download this PDF version.

   Homewood Online (Homeweb)

   All Equitable Life^® clients and their plan members have access to Homeweb, a personalized online mental health and wellness portal. Accessible via the web or mobile app, Homeweb includes an online library of interactive tools, assessments, e-courses and resources to support plan members through the pandemic.

   Homewood Health Employee and Family Assistance Program (EFAP)

   Employers can provide additional support by adding the Homewood Health EFAP. In addition to full access to Homeweb, it offers confidential short-term counselling through a national network of mental health professionals, plus other resources and tools.

   To make it easier to understand the options, here’s a detailed summary of what’s included with each:

   Service	Description	Homeweb	EFAP
   Homeweb.ca	A secure and personalized online portal that includes hundreds of articles and resources, including e-books, toolkits, self-assessments, podcasts and more.
   Homeweb Mobile App	One of Canada’s newest EFAP mobile apps that allows users to access every one of Homewood’s online tools and resources wherever they are.
   i-Volve Cognitive Behavioural Therapy Tool	An online self-directed treatment tool that helps coach plan members to identify, challenge and overcome anxious thoughts, behaviours and emotions.
   Online Health Risk Assessment	An online tool that helps plan members identify and address their health and wellness risks and barriers.
   Short-Term Counselling	Short-term counselling provided face-to-face, by phone, email, chat or video through a national network of counsellors and clinical professionals.
   Life Smart Coaching	A suite of telephonic and online services including coaching and resources to help employees manage their life balance, finances, health and career.	Online resources only.
   Trauma response	Prompt, compassionate and effective response to traumatic events, consisting of one three-hour block with one counsellor at one location per year.
   Legal Resources	One-on-one consultation with a lawyer for guidance on issues such as family law, civil litigation, real estate and immigration.	Online resources only.
   Key Person Advice Line (KPAL)	Designed for HR, managers and supervisors, this service provides Online Management Resources and Workplace Situation Professional Support.
   Resource Locator	Online childcare and eldercare resources locators.

    

   For more information, please contact your Group Account Executive or myFlex Sales Manager.

5. [pdf] Withdrawal Request
6. The value of Equitable Life’s EZcomplete online application for Pivotal Select
   Necessity is the mother of invention. And COVID-19 has taken Equitable Life’s® EZcomplete® online application to the next level. Prior to the pandemic, EZcomplete was touted as being convenient and easy to use. Well, it is. But now…it is so much more.
   
   Whether secure in an office or safe at home, EZcomplete’s non face-to-face capabilities include an alternative to physical verification. EZcomplete simply requires verification of ID using a third-party service provider. The third-party service provider completes the verification behind the scenes using information that was already required to complete an application. By removing the physical ID requirements, the ID verification process has been automated and simplified.
   
   EZcomplete’s electronic signature functionality is also easy and secure. To enable a remote signature, your client just provides an e-mail address. Your client will receive a link and security code that you provide. The client enters the code, reviews the application and e-signs the documents.
   
   Step by step directions ensure you have the right details without any confusing or unnecessary questions. Highlighted fields alert you to any missing information, eliminating any extra work or effort. The immediate processing also helps make it an attractive resource.
   
   
   
   Whether selling segregated funds face to face or from the comfort of home, Equitable Life’s EZcomplete online application and Pivotal Select™ segregated fund line up provide the solution for even the most rattled and weary investor. Learn more, visit EquiNet or contact your Regional Investment Sales Manager.
    
7. [pdf] Corporate Preferred Estate Transfer® using whole life
8. Product at a glance- Adults
9. [pdf] Taking money out of your RSP?
10. Smarter saving with GIA Laddering Want to show clients how to grow their savings in smart ways? Try Guaranteed Interest Account (GIA) laddering—a simple strategy that helps clients earn more interest and stay flexible.
    
    How does it work?
    Instead of a client putting all their money into one-year GIAs, laddering means splitting the money into different GIAs with different end dates. This way clients can:
    
    • Earn better interest rates.
    • Get access to part of their money every year.
    • Be ready if interest rates go up or down.
    Use our new calculator
    Equitable’s new GIA Laddering Calculator shows clients how this strategy compares to putting all their money in one-year GIAs each year. It helps clients see which option could give them more money over time.
    
    Contact your Director, Investment Sales to see how laddering can work for clients.
    
    Date posted: September 15, 2025