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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*
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. -
December 2023 eNews
Insights on EZBenefits from our Executive Vice-President, Group Insurance
When it comes to advising small business owners, it can be tough to find the right group benefits solution. Offering a competitive benefits plan is more important than ever to help small business owners attract and retain talent. They need an affordable solution that’s easy to implement, renew and maintain.
That’s why we launched EZBenefits for small business earlier this year. It’s a unique group benefits solution designed with you and your small business clients in mind.Marc Avaria, Executive Vice-President, Group Insurance, explains:
Find out more
Visit info.equitable.ca/EZBenefits for more details or to request a quote. If you have questions, contact your Equitable Group Account Executive.
Now that cold and flu season is here, many Canadians will start calling in sick or missing work to visit their doctor – if they can get an appointment. Now’s the time to remind your clients that Equitable offers Dialogue Virtual Healthcare. It can be added to any Equitable plan for an additional cost.
Supporting plan members through cold and flu season with Dialogue Virtual Healthcare*
Eligible plan members and dependants receive fast, on-demand access to virtual primary medical care—24/7, 365 days a year. Available for a variety of non-urgent health concerns, Dialogue Virtual Healthcare can make it easier to navigate cold and flu season by providing:- Access to the largest, most experienced bilingual medical team in Canada,
- In-app prescription renewals and refills,
- Personalized follow-ups after each consultation, and
- An all-in-one patient journey to address health issues. This reduces long waits and means less time away for doctor appointments.
Benefits of Virtual Healthcare for plan sponsors
When your clients provide Virtual Healthcare for their plan members, they can help:- Drive employee engagement;
- Reduce absenteeism related to in-person medical appointments;
- Manage chronic health issues;
- Attract and retain top talent; and
- Build a healthier workforce.
Learn how it works
Adding Dialogue Virtual Healthcare to your clients' plans
To learn more about adding Virtual Healthcare to your clients’ benefits plans, contact your Group Account Executive or myFlex® Account Executive. You can also share this resource from Dialogue on managing cold and flu season.
The Canada Employment Insurance Commission and Canada Revenue Agency have announced the 2024 changes to Maximum Insurable Earnings, and premiums for employment insurance. The following changes to Employment Insurance (EI) will take effect January 1, 2024:
Changes to Short-Term Disability benefits calculations*
How does this affect your clients?
To comply with client policy provisions, Equitable will revise Short-Term Disability (STD) benefits with the updated maximums based on the percentage of EI Maximum Weekly Insurance Earnings for policies that meet these conditions:- Policies that include a STD benefit that is tied to the EI Maximum Weekly Insurable Earnings, and
- Policies with a classification of employees that has less than a $668 maximum.
- The additional premium for any increase from their previous STD amounts and new STD amounts will be shown on your clients’ January 2024 Group Insurance Billings (as applicable).
If your clients wish to provide direction regarding revising their STD maximum, or have questions about the process, they can email Kari Gough, Manager, Group Issue and Special Projects.
*Indicates content that will be shared with your clients. - Our large case experts
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Complex large case? Meet our Tax and Estate Planning expert.
Ask our Experts Episode 4
At Equitable, we understand that complex large cases require expert handling. Our team is here to help guide you through every step of the process.
Today, we are thrilled to share the fourth episode of Ask our Experts. Watch episode 4 featuring Bryan McNulty, Head of Tax and Estate Planning.
Bryan talks about:
• How his past experiences serve him in his role at Equitable.
• The importance of policy ownership.
• Equitable’s mutual status and our focus on life insurance.
Learn more:
Visit our large case markets webpage to learn more about our team of dedicated experts.
Do you have a large case opportunity? Talk to your wholesaler to learn more.
Don’t miss the favourites! Watch our most viewed Ask our Experts episodes here: