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1. Equitable Life Group Benefits Bulletin – May 2021

   In this issue:

   • Graduating dependents losing coverage?*  
   • New Brunswick expands the use of biosimilars*
   • Proposed changes to federal recovery and EI benefits*
   • Removal of plan administrator access to update plan member banking*
   • BioScript recognized as one of Canada’s Best Managed Companies*
   *Indicates content that will be shared with your clients
    

   Graduating dependents losing coverage?

   Let plan members know about Coverage2go

   As we reach the end of spring, some of your clients’ plan members may have dependents who are graduating from university or college and will no longer be eligible for coverage under the benefits plan.
    
   Fortunately, we offer Coverage2go®. It allows individuals who are losing their group coverage to purchase personal month-to-month health and dental coverage that is affordable, reliable and works like their previous group benefits plan. They can choose the level of coverage and protection that suits their personal situation.
   
   There are no medical questions – they simply need to apply within 60 days of losing their health coverage under their group benefits plan.*
    
   Help your plan members and their dependents who are losing coverage by letting them know about Coverage2go. They can visit our website to learn more about Coverage2go and to get a quote.
    
   *Quebec residents are not eligible for Coverage2go

   New Brunswick expands the use of biosimilars

   The New Brunswick government recently announced that it will be implementing a biosimilar transition program.
    
   Patients using originator biologic drugs for diseases such as inflammatory arthritis, inflammatory bowel disease, diabetes and psoriasis, will have until November 30, 2021 to switch to the biosimilar version of their medications in order to maintain coverage under the province’s public drug plans. This process will be completed in consultation with the patients’ physicians.
    
   Biosimilars are highly similar to the drugs they are based on and Health Canada considers them to be equally safe and effective for approved conditions.
   
   Equitable Life^® actively monitors and investigates all biosimilar policy changes and the ongoing evolution of biosimilar drugs entering Canada.  We will keep you informed of any impact on private drug plans and how we are responding.

   Proposed changes to federal recovery and EI benefits

   In its recent 2021 budget, the federal government proposed a variety of changes to its benefit programs.
   
   The proposed changes include providing up to 12 additional weeks of the Canada Recovery Benefit to a maximum of 50 weeks. The first 12 weeks of this benefit would be paid at $500 per week and the remaining eight weeks at $300 per week. 
   
   Multiple changes have also been proposed to make Employment Insurance (EI) more accessible to Canadians. The changes include: maintaining uniform access to EI benefits across all regions, supporting multiple job holders and those who switch jobs by ensuring that all insurable hours and employment count towards their eligibility, and simplifying many rules around EI to ensure Canadians can receive benefits sooner. It has also been proposed that the regular EI benefits be extended to no later than November 20, 2021, if needed.
   
   We are analyzing the impact these changes may have to disability benefits. We will provide more details later in the year. 

   Removal of plan administrator access to update plan member banking

   In early June, plan administrators will no longer be able to update banking information for their plan members on EquitableHealth.ca after their initial enrolment. This change has been made to allow plan members to have full control over where they want their claim payments deposited.

   Plan members can update their banking information online through their plan member web portal or through the EZClaim mobile app. They will continue to be notified via email if and when they make any changes.

   BioScript Solutions recognized as one of Canada’s Best Managed Companies

   Congratulations to our partner, BioScript Solutions, for being recognized as one of Canada’s Best Managed Companies of 2021 by Deloitte.
    
   We have partnered with BioScript since 2016 for our Specialty Drug Preferred Pharmacy Network (PPN). This partnership offers cost savings while providing comprehensive, best-in-class patient care.
    
   BioScript is one of Canada’s leading specialty pharmacies and recently celebrated its 20^th anniversary.
    
2. Updates to Savings & Retirement forms and applications
   To align with the launch of Pivotal Select’s 12 new segregated funds, Equitable Life has updated the following administrative documents for Savings & Retirement.
    
   • Form #375SEL – Pivotal Select segregated fund codes
   • Form #1383 – Pivotal Select TFSA Application
   • Form #1384 –Pivotal Select Application Registered/Non-Registered
   • Form #1403 – Pivotal Select Contract and Information Folder
    
   New online documents and applications are available to download from EquiNet®. Paper applications are also available to order from Equitable’s Supply Team here.
    
   Want to be sure you always have the most up-to-date application? Try our EZcomplete® online application platform. EZcomplete makes it easy to process your non face-to-face applications and allows clients to provide their signature remotely on their own device.
    
   If you have any questions, contact your Regional Investment Sales Manager or Advisors Services Team Monday to Friday, 8:30 a.m. – 7:30 p.m. ET at 1.866.884.7427, or email savingsretirement@equitable.ca.
    
   ® and ™ denotes a registered trademark of The Equitable Life Insurance Company of Canada.
    
3. The Equitable Life FHSA is coming!

   We want to help clients save money for their first home.  We’re working on offering the Equitable Life^® First Home Savings Account!
   
   A First Home Savings Account (FHSA) is a registered plan allowing prospective first-time home buyers to save for their first home tax-free (up to certain limits). 
    
   Highlights:

   • Must be a Canadian resident
   • Minimum of 18 years of age
   • Annual contribution limit of $8,000 with a lifetime limit of $40,000
   • Contributions are tax deductible (like an RRSP)
   • Qualifying withdrawals are tax-free (like a TFSA)
   • Must be a first-time home buyer (has not owned a home in which they lived during the current or preceding four calendar years)
   • Unused FHSA proceeds can be transferred on a tax-deferred basis to an RRSP or RRIF
   We’ll be sure to keep you posted when the FHSA is available with Equitable Life.
   
   For more information contact your Regional Investment Sales Representative.
   
   Date posted: April 11, 2023
    
   ™ or ® denote registered trademarks of The Equitable Life Insurance Company of Canada.
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7. On June 26, 2021 make room for more EDO room Effective June 26, 2021, a term rider added to an Equimax Estate Builder® or Equimax Wealth Accumulator® policy may allow for an increase to the maximum Excelerator Deposit Option (EDO) payment limit.
    
   Your clients who have a temporary insurance need and add a term rider to their Equimax plan may be able to take advantage of the additional exempt room and higher EDO payment limits to build the policy values. Make Equimax® your first choice for your clients’ whole life insurance needs.
    
   Want more information?
   Learn more about the changes and transition rules.
   
   Contact your Regional Sales Manager for more information on these changes and other sales ideas.
    
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9. Equitable Life Group Benefits Bulletin – May 2020

   In this issue:

   • Digital options for your clients and their plan members*
   • Alberta delaying biosimilar initiative*
   • Yukon increasing insurance premium tax*
   • Manitoba and New Brunswick relaxing drug limits*
   • Free guide to accessing virtual healthcare*
   • Homeweb for plan members who are losing coverage*

   *Indicates content that will be shared with your clients

   
   Easy and convenient digital resources for your clients and their plan members

   During this time of physical distancing, people are looking for ways to interact with their providers virtually. We have several convenient digital tools available to make it easier for your clients and their plan members.

   
   For plan administrators:

   
   Plan administrator portal (EquitableHealth.ca)

   Our secure portal allows plan administrators to easily manage their plan anytime and anywhere. Instead of printing and mailing forms, they can make real-time updates at their convenience. The site also makes it easy to:

   • View or upload forms and other important documents;
   • Retrieve billing information;
   • Estimate monthly premium costs; and
   • View announcements, tips and reminders.

   Plan administrators can visit www.equitablehealth.ca to activate their account.

   Digital Welcome Kits

   Instead of paper kits that can easily get lost or quickly become outdated, plan members receive personalized welcome kits via an interactive email, including instructions on how to:

   • Activate their online group benefits account;
   • Download their digital benefits card;
   • Submit claims from their computer or mobile device;
   • Review their coverage details; and
   • Explore health and wellness resources.

   Easy automated payments

   Automated payments are a convenient way to avoid missed payments, suspended claims and disruption. Plan administrators simply complete the pre-authorized debit form and send to GroupCollections@equitable.ca. Or contact Group Collections about online banking and electronic funds transfer (EFT).

   We can help

   For assistance, plan administrators can contact their Client Relationship Specialist or our Web Services team at 1.800.265.4556 ext. 283 or groupbenefitsadmin@equitable.ca.

   
   For plan members:

   
   Plan member portal (EquitableHealth.ca)

   By logging into EquitableHealth.ca, plan members have secure 24/7 access to their personalized Group Benefits account. They can:

   • View and submit claims;
   • Review their coverage details; and
   • Access health and wellness resources.

   Electronic claims payment and notifications

   Once plan members have activated their Group Benefits account on EquitableHealth.ca, they can easily set up receiving their claim payments via direct deposit, and their claim notifications via email.

   EZClaim Mobile App

   Submitting claims is fast, easy and secure with the Equitable EZClaim® mobile app for iOS and Android devices. Plan members can view and submit health and dental claims and review their coverage details.

   Digital Benefits Cards

   Instead of digging through their wallets, plan members can download a digital version of their benefits card to their mobile device.

   We can help

   We’ve created a video guide to help plan members access and use their digital resources. For further assistance, plan members can contact our Web Services team at 1.800.265.4556 ext. 283 or groupbenefitsadmin@equitable.ca.

   
   Alberta government delaying biosimilar initiative

   As we announced in the February 2020 issue of eNews, the Alberta Biosimilar Initiative will require patients using several originator biologic drugs to switch to a biosimilar in order to maintain coverage through their Alberta government sponsored drug plan.

   Due to the increased demands the COVID-19 pandemic is placing on healthcare providers, the Alberta government has postponed the switching requirement. Affected patients will now have until January 15, 2021 to switch to the biosimilar version of their drug in order to maintain provincial coverage.

   We continue to investigate appropriate options to help ensure this provincial change does not unreasonably impact Equitable Life groups and patients and will keep you informed.
   For more information about the Alberta Biosimilars Initiative, consult the Alberta government website.

   
   Yukon increasing Insurance Premium Tax

   The Yukon Government has announced that it plans to increase its Insurance Premium Tax rates effective January 1, 2021. The premium tax rates for group life and accident and sickness insurance are expected to increase from 2% to 4%. The new tax rates will be applied to premiums paid on or after January 1, 2021.

   
   Manitoba and New Brunswick relaxing drug limits

   In order to protect the drug supply during the COVID-19 crisis, residents of most provinces were temporarily limited to receiving a 30-day supply of drugs when filling a prescription. Normally, doctors prescribe a 90-day supply for most maintenance-type drugs.

   The Government of Manitoba and the Government of New Brunswick are now relaxing this 30-day limit for prescription drugs where shortages do not exist. They will address potential shortages of specific drugs if necessary.

   As the situation continues to evolve, there may continue to be changes to provincial legislation and prescription limits. Plan members should speak to their pharmacist for the most up to date information.

   
   Free guide to accessing virtual healthcare

   With many health clinics closed and the healthcare system under strain, people are looking to access a doctor and other health providers virtually.

   As we announced previously, we’ve made it easier for plan members to find the information they need using our Guide to Accessing Virtual Healthcare. This online resource provides information about and links to a range of virtual health services they need to take care of their health and the health of their family during these challenging times.

   The Guide also indicates which services are covered by public health plan, so there’s no cost to the patient to access them if they provide their valid provincial health card.
   We will continue to update the Guide as more virtual healthcare providers and services become available.

   The Guide is available on both EquitableHealth.ca and Equitable.ca.

   
   Homeweb for plan members who are losing coverage

   We know these are difficult times for Canadian employers and their employees. As businesses temporarily suspend operations, some employers have had to make the difficult decision to temporarily lay off employees or put their benefits coverage on hold.

   That’s why we were pleased to announce that Homewood Health^® and Equitable Life will extend access to Homeweb, a personalized online mental health and wellness portal, for up to 120 days for plan members who have temporarily lost their benefits coverage due to COVID-19.

   Employees and their family members will continue to have access to the Homeweb website and mobile app, including:

   • iVolve, online self-directed Cognitive Behavioural Therapy;
   • Resources to support themselves and their family members through the COVID-19 pandemic;
   • An interactive online Health Risk Assessment; and
   • An online library of tools, assessments and e-courses.

   This will allow businesses undergoing financial hardship to provide some support to employees who are temporarily without benefits coverage.

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