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1. Policy Change and Conversions eDelivery - Quick Tips and Tricks
2. An update on Travel Assist coverage

   The last several months have been very difficult for plan members. We recognize how important it is for them to get back to a sense of normalcy, including making summer travel plans.

   As countries start to reopen their borders, plan members with Travel Assist emergency medical benefits may have questions about whether they will be covered while travelling.

   For plan members who want to travel outside of Canada, here’s what they need to know.

   Out-of-country travel

   Plan members travelling to countries that are popular vacation destinations and have reopened their borders will be covered for eligible expenses, including those related to COVID-19.

   Please note: While a country may be open for travel, plan members should contact Allianz before departing to confirm that they are covered for travel to their specific destination.

   Plan members travelling to countries for which the Government of Canada has issued a Level 4 travel advisory (“Avoid all travel”) will not be covered.

   Please note that every country has different travel restrictions. Travelers could be denied entry to another country, even though their travel may be considered essential. Or they may be forced to self-isolate when they arrive at their destination. Canadians travelling to another country should consult that country’s travel restrictions and guidelines before departure and re-entry into Canada.

   Communicating with plan members

   Below is a link to a plan member version of this communication. Please encourage your clients to share this with their plan members who have Travel Assist coverage on their benefits plan. It’s important for them to know their coverage details before they make their travel plans. We have also posted this update on the plan member website at EquitableHealth.ca.

   An update on Travel Assist coverage PDF

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

3. 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

4. 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.
    
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6. Advisor Guide
7. Homewood Health COVID-19 Resources

   As the COVID-19 situation continues to rapidly evolve, you may need  information from a trusted source to support your clients, their organizations and their employees.

   Through our partnership with Homewood Health, the Canadian leader in mental health and addiction services, all of our clients and their plan members have access  to a number of tools and resources designed to provide guidance and support.

   Online Cognitive Behavioural Therapy

   For plan members dealing with increased anxiety during these uncertain times, Homewood’s Online Cognitive Behavioural Therapy tool, i-Volve, can help. Through self-paced, web-based therapy, i-Volve can help plan members identify, challenge and overcome anxious thoughts, behaviours and emotions.

   All Equitable Life clients and their plan members have access to i-Volve. It’s available 24 hours a day, seven days a week, wherever you choose to access it.

   Learn more about Online CBT or access i-Volve at Homeweb.ca/Equitable.

   COVID-19 Support Resources

   Drawing on their expertise in mental health, as well as guidance from trusted sources including Health Canada, the Public Health Agency of Canada and the World Health Organization, Homewood has created a number of resources to help support your clients and their plan members.

   • Self-isolation and quarantine: What you need to know
   • Quelling COVID-19 Anxiety
   • Managing stress and anxiety
   • How to speak to children
   • How to stay productive and motivated when working from home
   • The COVID-19 Pandemic: Managing the Impact
   • Support for First Responders, Front Line Workers and Public Facing Employees
   • Financial tips for your financial health
   • Increases in Domestic Violence
   • Those with family members in long-term care facilities
   • Parenting during a pandemic
   • COVID-19: Employee Fatigue, Isolation and Loneliness
   • COVID-19 Back to School - Considerations and tips for parents and caregivers
   • COVID-19: Back to School Support for Kids
   ​​If you have any questions, or wish to discuss the tools, please reach out directly to Homewood. They are here to help support you, your clients and their employees through these unprecedented times. Contact your Homewood Health Account Manager or Homewood’s Customer Experience Team by phone at 1.833.375.0270 or email customersupport@homewoodhealth.com
8. New Year, New Opportunities—Explore Equitable’s Competitive Term Life Solution The new year brings new opportunities to help clients feel confident about their financial future. Equitable’s term rates are among the best on LifeGuide in key markets*, combined with our flexibility and support, making us a great choice for clients. Run an illustration now!

   Why choose Equitable for term life insurance?

   • Great rates – we’ve recently repriced! On average, we reduced our monthly term rates by 5%. Check out our great term rates for yourself.  Tip! For best term rates, choose monthly premiums.
   • Flexibility to change the term plan** – life is always changing, and so do life insurance needs. Offer clients the flexibility to:
        • Exchange term plans: from Term 10 to Term 20 or Term 30/65. They can also exchange from Term 20 to Term 30/65.
        • Convert to permanent coverage: Offer clients the security of changing their term plan to any of our permanent plans without underwriting.
   • Partial term conversion with term rider carryover: Convert part of the term coverage into permanent protection and carry over the remaining coverage as any term rider plan.
   • Extra support when it matters most – our KIND^® program offers a suite of benefits for clients and their families. This reflects our deep commitment to standing by them when it matters most. 
   
   
   
   
   Build client relationships with trusted protection
   This year, and every year, strengthen your client relationships by choosing Equitable for term life protection. With our flexible solutions, innovative features, and unwavering support, you can help clients move forward with confidence.
   
   Start the year off by helping clients meet their insurance needs with a term plan.
   
   Run a quote today!
   
   Contact your Equitable wholesaler today to learn more!
   
    *Effective November 22, 2025. Our monthly term rates are ranked among the best on LifeGuide when compared against top carriers in key markets. 
   ** Administrative rules and age limits apply to exchanges and conversions. Please see the policy for details. The policy governs in all cases.
    
9. Web Illustration Tool for Universal Life (UL) Insurance now available

   The new tool for UL provides greater flexibility and convenience. You will now have access to UL illustrations in the same way that you access and save Whole life web illustrations. It enables you to manage your business on the go from your laptop.
   
   This is the latest step in our commitment to making it easier for you to do business with us, with all our product illustrations now available in a web version. Visit the new web illustration tool here.
   
   Speak to your individual life wholesaler to learn more!

10. Equitable.ca gets a fresh new look
    We’re excited to introduce you to our refreshed Equitable.ca, marking another milestone in our ongoing commitment to elevate the Equitable brand and enhance your digital experience.  
    
    This upgrade is part of a broader initiative to update all our digital properties, making every interaction with Equitable easier, more intuitive, and more rewarding. 
    
    Our strengthened online presence is designed to reinforce our partnership with you and highlight the value of the independent advice you provide to Canadians.  
    By investing in these improvements, we’re driving brand awareness at a scale that’s unprecedented for our company. 
    
    We remain dedicated to making it simpler and more efficient to do business with us—today and into the future. Stay tuned for more updates as we continue to innovate and invest in your experience.