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  1. Introducing Equitable EZBenefits: A better group benefits solution for your small business clients If you serve small business owners, chances are they’re looking for a group benefits solution that’s affordable, sustainable and easy to manage. That’s why we introduced Equitable EZBenefits™. It’s a unique group benefits solution designed with you and your small business clients in mind.
     
    Options to fit every need
    Available to organizations with between 2 and 25 employees, EZBenefits offers a range of plan design options to match different needs and budgets. * Whether your client owns start-up or a growing company, we’ve got them covered. Plan options include a mix of Life, Health and Dental coverage. ** Clients can also add Long-Term Disability (LTD) coverage or a Health Care Spending Account (HCSA).
     
    Embedded services to support health and wellness
    To provide employees with added support for both their physical and mental wellbeing, all our plan design options include:
    • Anytime, online access to medical professionals through our Virtual Healthcare solution from Dialogue,
    • Access to professional counselors – via the telephone, the web or in-person – through our Employee and Family Assistance Program from Homewood Health®, and
    • Online resources to help manage health, financial and family challenges through Homeweb, Homewood Health’s online wellness portal.
    Extra HR support for your clients
    EZBenefits also comes with built-in HR support through Equitable Life’s partnership with HRdownloads® This takes the heavy lifting out of common human resource tasks with HR support tools and services, including:
    • HR Technology: An award-winning cloud-based human resource information system to provide help from onboarding to offboarding and everything in between.
    • HR Content: Access to a library of over 3,000 HR documents, templates, compliance resources and articles, with 25 free document downloads.
    • HR Training: A free Workplace Diversity and Inclusion online training course.
    • HR Support: One free Live HR Advice call with a seasoned HR expert.
    A streamlined process to optimize your time
    We know that advising small business clients can be challenging. We’ve created a streamlined benefits process that provides rapid quotes, hassle-free plan implementation, simplified renewals and that is easy to administer. That way, you can spend more time advising your clients and building your business – and less time with administrative back and forth.
     
    Pricing stability for long-term stability
    When it comes to attracting and retaining talent, we know your small business clients are competing with larger organizations that have big budgets and lots of resources. That’s why we’ve designed EZBenefits to provide long-term pricing stability for health and dental benefits.
     
    Find out more
    Watch this video to learn how EZBenefits can help you and your clients. You can also visit info.equitable.ca/ezbenefits for more details or to request a quote. If you have questions, contact your Equitable Life Group Account Executive. If you don't have an Equitable Life Group Account Executive, email us at EZBenefits@equitable.ca.
     

    * Not available in Quebec.
    ** Dental coverage is not included with the Bronze plan design option.
  2. Explore Equitable EZBenefits™

    A better group benefits solution for your small business clients

    Running a small business isn't easy, especially for companies with smaller budgets and fewer resources. It can be tough to find a competitively priced benefits plan with the features that clients want. That’s why we created Equitable EZBenefits™, a benefits solution designed with the needs of small businesses in mind.

    Options to fit every need
    Available to organizations with between 2 and 25 employees, EZBenefits offers a range of plan design options to match different needs and budgets. * Whether your client owns start-up or a growing company, we’ve got them covered. Plan options include a mix of Life, Health and Dental coverage. ** Clients can also add Long-Term Disability (LTD) coverage or a Health Care Spending Account (HCSA).

    Embedded services to support health and wellness
    To provide employees with added support for both their physical and mental wellbeing, all our plan design options include:
    ● Anytime, online access to medical professionals through our Virtual Healthcare solution from Dialogue,
    ● Access to professional counselors – via the telephone, the web or in-person – through our Employee and Family Assistance Program from Homewood Health®, and
    ● Online resources to help manage health, financial and family challenges through Homeweb, Homewood Health’s online wellness portal.

    Extra HR support for EZBenefits clients
    EZBenefits also comes with built-in HR support through Equitable’s partnership with Citation Canada® (formerly HRdownloads). It takes the heavy lifting out of common human resource tasks with HR support tools and services. Features include:
    ● an award-winning cloud-based human resource information system (HRIS) to provide help from onboarding to offboarding and everything in between,
    ● access to a library of over 3,000 HR documents, templates, compliance resources and articles, with 25 free document downloads,
    ● a free Workplace Diversity and Inclusion online training course, and
    ● one free Life HR advice call with a seasoned HR expert.

    A streamlined process to optimize your time
    We know that advising small business clients can be challenging. We’ve created a streamlined benefits process that provides rapid quotes, hassle-free plan implementation, simplified renewals and that is easy to administer. That way, you can spend more time advising your clients and building your business – and less time with administrative back and forth.

    Pricing stability for long-term stability
    When it comes to attracting and retaining talent, we know your small business clients are competing with larger organizations that have big budgets and lots of resources. That’s why we’ve designed EZBenefits to provide long-term pricing stability for health and dental benefits.

    Find out more
    To learn more about EZBenefits, watch our video to learn more or view our brochure. You can also visit info.equitable.ca/ezbenefits for more details or to request a quote. If you have questions, contact your Equitable Life Group Account Executive. If you don't have an Equitable Life Group Account Executive, email us at EZBenefits@equitable.ca.

    * Not available in Quebec.
    ** Dental coverage is not included with the Bronze plan design option.
     
  3. Important update regarding all paramedical appointments Update regarding parameds for NEW and EXISTING cases:
    • In the absence of Parameds, the preferred method is to complete the medical questions in EZComplete
    • If you didn’t complete the new medical information, then complete the Health Information Form #1878
    • If you are unable to complete the 1878 Health Information Form, then you can order a Video EPara through Dynacare or through Equitable
     For more information view this article: Underwriting Updates Including Additional Changes to Non-Med Limits.

    -----------------------------------------------------------

    Equitable Life has made the decision to temporarily stop all face-to-face field service appointments effective immediately to ensure the protection of both our Clients and Examiners. All appointments will be cancelled by ExamOne. Dynacare has already cancelled their appointments.

    We are doing this to support social distancing as requested by the Federal and Provincial governments. We are actively working on a plan to provide viable options in the absence of face-to-face paramedical service appointments. This will be communicated shortly.

     
  4. Text Notifications keep you informed in real time on your Equitable individual insurance business Our text notification program that we launched a year ago has been very successful. Thousands of tech-savvy advisors like yourself are currently taking advantage of text message updates on their Equitable new business application status.
     
    Approximately 70% of new Equitable insurance applications submitted are choosing to receive real-time status updates via text notifications.
     
    Not using Text Notifications yet?
    To opt-in, next time you submit an online insurance application, simply check 'Yes' on the Advisor Report when asked “Would you like to receive text notifications (SMS) regarding this application?”  You can opt-out at anytime by texting "Stop."
     
    Questions? Contact your wholesaler for more information.
  5. Equitable Life Group Benefits Bulletin – November 2020

    In this issue:

    *Indicates content that will be shared with your clients

    Telemedicine now included in Travel Assist*

    Medical emergencies can be particularly stressful while travelling. Making your way to a medical facility can be a struggle. And once you get there, you could face long wait times, language barriers or even the risk of COVID-19 infection.

    That’s why Allianz Global Assistance®, our Travel Assist provider, is adding two new virtual care options to provide plan members with timely and appropriate medical support.

    As always, when a travel medical emergency strikes, plan members call Allianz for assistance. During the intake process plan members will be guided through a series of questions to triage their unique medical situation. Options for care now include two different virtual care services:

    • TeleConsultation – Video and chat consultation with a locally licensed physician. This physician can diagnose simple medical conditions and provide a prescription. Available across Canada and in some high travel states in the United States.
    • TeleAdvice – Video and chat consultation for situations which are not likely to require a prescription. The physician can diagnose simple medical conditions and provide medical guidance.

    Plan members who use virtual care may benefit from:

    • Reduced wait times;
    • Care from the comfort of their current location;
    • Reduced language barriers;
    • No need to arrange transportation to a medical facility;
    • Reduced impact on travel itinerary; and
    • Reduced risk of exposure.

    Both TeleConsultation and TeleAdvice will be available for all Equitable Life plan members beginning January 1st, 2021. There is no additional cost, no changes required to your client’s plans, and no change to the way plan members contact Allianz in the event of a travel medical emergency.

    This PDF plan member update will also be included in the eNews to plan administrators.

    If you have any questions about these new features, please contact your Equitable Life Group Account Executive or myFlex Sales Manager.

    Allianz Global Assistance is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd.

    Help your clients take advantage of our convenient digital options*

    During this time of physical distancing, people are looking for ways to interact with their providers virtually. We recently enhanced our Online Plan Member Enrolment tool, allowing all groups to add new plan members without the need for paper forms.

    Did you know, we have several other 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? Over 71% of plan administrators are managing their plan online and 78% of plan members are already using our digital tools.

    For plan administrators:

    • Plan Administrator Portal (EquitableHealth.ca) – plan administrators can easily manage their plan anytime and anywhere
    • Digital Welcome Kits – personalized welcome kits are delivered to plan members via email
    • Easy automated payments – plan administrators can avoid missed payments by setting up pre-authorized debit or electronic funds transfer 

    For plan members:

    • Plan Member Portal (EquitableHealth.ca) – plan members get secure, 24/7 access to their claims history, coverage details and health and wellness resources
    • Electronic Claim Payments and Notifications – plan members can get claim updates sooner in their email inbox and payments right into their bank account
    • EZClaim Mobile App – submitting claims from a mobile device is fast, easy and secure
    • Digital Benefits Cards – plan members no longer have to dig through their wallet – they can download their benefits card on their mobile device

    Learn more about how we’re making it easier for your clients to do business with us

    2021 changes to Maximum Insurable Earnings, Maximum Weekly Insurable Earnings and Short Term Disability Benefit*

    The Canada Employment Insurance Commission and Canada Revenue Agency have announced the 2021 changes to Maximum Insurable Earnings, and premiums for employment insurance. These changes take effect January 1st, 2021.

    Maximum Insurable Earnings (MIE)

    The MIE will increase from $54,200 to $56,300.

    Maximum Weekly Insurable Earnings (MWIE)

    The MWIE will increase from $1,042 to $1,083.

    EI Benefit (55% of the MWIE, rounded to the nearest dollar)

    EI benefit will increase from $573 to $595

    Information for Plan sponsors

    If your client’s Group Policy with Equitable Life includes a Short Term Disability (STD) benefit which is tied to the EI MWIE, and at least one classification of employees has less than a $595 maximum:

    • To comply with the provisions of their policy, their STD benefit will be revised with the maximums updated based on the percentage of EI MEIW shown in their policy.
    • The additional premium for any increase from their previous STD amounts and new STD amounts will be show on their January 2021 Group Insurance Billing (as applicable).

    If their STD maximum is currently higher than $595 or based on a flat amount (not based on a percentage or regular earnings):

    • No change will be made to their plan unless otherwise directed.

    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 Quotes and Issue.

     

    *Indicates content that will be shared with your clients

  6. [pdf] B2B RSP Loan Product Brochure
  7. Grow your guarantee using resets from Equitable Life
    Did you know that many of Equitable Life®’s segregated funds contracts, including Pivotal Select™ Estate Class and Protection Class, allow for an annual reset of the death benefit guarantee? Now could be a great time to remind clients to lock-in any gains with a death benefit reset; and increase their Death Benefit guarantee to 100% of the current market value. The ability to lock-in market growth using resets is one of the differences between segregated funds and mutual funds.
     
    To complete a reset, submit the applicable investment direction form. If you have Limited Trading Authorization on file, you can sign the request on your client’s behalf*. The Investment Direction Forms are posted on EquiNet®, or can be found here (by product):
       
    Be sure to check out the “Growing your Guarantee with Resets” marketing piece which can be shared with your clients. For questions about resets, contact your Regional Investment Sales Manager today.


     
    *Advisors are required to keep notes of their conversation with their client for audit purposes when completing transactions using Limited Trading Authorization. World Financial Group (WFG) advisors are not permitted to use Limited Trading Authorization as per their agreement with WFG.
    ® and TM denote trademarks of The Equitable Life Insurance Company of Canada
     
  8. Critical Illness - More Covered Conditions
  9. 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.
  10. Equitable can help clients this tax season

    It is tax time and clients should be receiving tax slips and deposit receipts by now.

    Check out the Tax Slips: A Quick Reference Guide which gives a taxation breakdown by product. Review Insights into Non-Registered Taxation offering a detailed explanation on investment income, and why T3 tax slips generate on non-registered segregated funds.

    Do clients have questions about contribution limits? Retirement Income Fund minimums? or Canada pension maximums? Check out Equitable’s handy 2024 Facts & Figures guide.

    If you have further questions,  please contact your Regional Investment Sales Manager or one of our Client Services Representatives at 1.866.884.7427.  

    Posted February 23, 2024