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1. Harness the Power has been enhanced The popular marketing piece — Harness the Power of Whole Life Cash Value — has been enhanced.
   
   Newly renamed as Harnessing the Power of Your Policy Cash Value, this piece now includes information on Universal Life in addition to Whole Life cash value.
   
   You can find this piece on EquiNet, now available in English and French.
2. 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.
    
3. [pdf] FHSA to RSP/RIF Conversion
4. April 2023 eNews

   Vision care discounts from Bailey Nelson for Equitable Life plan members*

   We are pleased to announce we are partnering with Bailey Nelson to provide Equitable Life plan members with discounts on prescription and non-prescription eyewear. Bailey Nelson is a leading provider of prescription glasses, contact lenses and sunglasses with locations across Canada, as well as an online store.
    
   All Equitable Life plan members will have access to the following discounts from Bailey Nelson:
   
   
   *Includes anti-reflection and anti-scratch treatment. Glasses offers are based on 2 pairs of single vision or 1 pair of premium progressive lenses. Lens add-ons, such as high-index lenses and prescription tinted lens tints may involve additional costs.
   
   **Non-prescription glasses only. Cannot be combined with 2 for $200 discount.
    
   Plan members can provide their Equitable Life discount code in-store or at online checkout. Your clients may wish to distribute this convenient flyer with an overview of the available discounts to their plan members.
    
   Plan members can bring their prescription to a Bailey Nelson location or provide it online to order glasses and contact lenses. Bailey Nelson also provides eye exams in-store for $99.
    
   If you have any questions, please contact your Group Account Executive or myFlex Sales Manager.
    

   Equitable Life helps tackle benefits fraud through Joint Provider Fraud Investigation (JPFI) initiative*

   Protecting your clients’ plans is important to us. That’s why Equitable Life is working with other Canadian life and health insurers to conduct joint investigations into health service providers that are suspected of fraudulent activities through the Canadian Life and Health Insurance Association’s (CLHIA’s) Joint Provider Fraud Investigation (JPFI) initiative. This collaborative initiative between major Canadian life and health insurers through the CLHIA is a major step toward reducing benefits fraud in the life and health benefits insurance industry. 

   How the JPFI works

   The JPFI builds on the 2022 launch of a CLHIA-supported industry program. The program uses advanced artificial intelligence to help identify fraudulent activity across an industry pool of anonymized claims data. Joint investigations will examine suspicious patterns across this data.
    
   Through this project, Equitable Life can initiate a request to begin a joint fraud investigation when we: 
   • See suspected provider fraud in our own data or the pooled data, or
   • Receive a substantiated tip about potential provider fraud 
   Other life and health insurers that have joined the JPFI will then have the option to join the investigation if they are also impacted by the provider under investigation. By sharing expertise and resources across insurers, the participating carriers will be able to determine the most appropriate next steps. 

   How Equitable Life protects your clients’ benefits plans from fraud

   Benefits fraud is a crime that affects insurers, employers and employees and puts the sustainability of workplace benefits at risk. CLHIA estimates that employers and insurers lose millions each year to benefits fraud and abuse.
   
   Our Investigative Claims Unit (ICU) consists of security and fraud experts who use data analytics and artificial intelligence to proactively identify and investigate suspicious billing patterns or claims activity to open investigations. We de-list healthcare providers who are engaged in questionable or fraudulent practices, pursue the recovery of improperly obtained funds, and report practitioners to regulatory bodies and law enforcement where appropriate.
   
   Learn more about benefits fraud, or contact your Group Account Executive or myFlex Sales Manager for more information.

   Second phase of TELUS eClaims transition*

   In June 2022, we switched to TELUS Health eClaims as our digital billing provider to give our plan members a faster and more convenient option for submitting paramedical and vision claims. The switch has allowed our plan members to take advantage of TELUS’s extensive network of over 70,000 paramedical and vision providers.
    
   We’ve now begun the second phase of our TELUS Health eClaims implementation. This phase will focus on improving the experience for paramedical and vision providers. We will begin issuing reconciliation statements for the claims they submit on behalf of their patients. These statements will make it easier for them to use the TELUS Health eClaims portal and provide incentive for even more providers to sign up.
    
   Please encourage your clients to remind their plan members about this convenient option. We have created a helpful one-pager that plan members can bring with them next time they have an appointment with their healthcare provider. 
    
   If you have any questions about TELUS Health eClaims, please contact your Group Account Executive or myFlex Sales Manager.
    

   Changes to STD application process for COVID-19 cases*

   As the COVID-19 situation evolves, we continue to adjust our disability management practices to ensure ongoing support and a fair experience for all our plan members.
    
   As of May 1, 2023, we will begin managing COVID-19-related short-term disability (STD) claims the same way that we manage disability claims for any other illness or condition. If a plan member is unable to work due to COVID-19 symptoms or a positive COVID-19 test, they must now use the standard STD application, including the Attending Physician Statement portion.
    
   Once we receive the claim, we will adjudicate it according to our standard process.
    
   If you have any questions, please contact your Group Account Executive or myFlex Sales Manager.
   
   * Indicates content that will be shared with your clients.
   
   
    
5. Step Up Your Wealth Sales with Equitable Life

   
   Step up your wealth sales with Equitable Life^® and you’ll be rewarded with a growth bonus for doing more business in 2022.  Make this year your best year ever with Equitable Life!
    
   The program rewards advisors who promote Equitable Life’s Savings & Retirement products to existing and new clients as part of an overall investment strategy based on client needs. 
    
   
   
   
   
   Commission Bonus Calculation:
   Gross deposits into segregated funds
   + Gross deposits into Guaranteed Interest Account (GIA) contracts
   + 25% of payout annuity sales
   ― Segregated fund redemptions
   ―  GIA redemptions
   = 2022 Net Deposits
    
   All eligible deposits, sales, and redemptions occurring between January 1 and December 31, 2022, will be used to calculate an advisor’s 2022 net deposits.
   
   
   
    
   * The bonus amount will be calculated at the end of 2022 based on net deposits. The bonus will be paid within 90 days following December 31, 2022. Maximum bonus payable is $75,000.
    
   For more information, download our flyer or contact your Equitable Life Regional Investment Sales Manager.
    
   And as a reminder, we increased the CB5 sales option initial commission from 5.6% to 7.0% on Pivotal Select™ segregated funds. The 7% initial commission is effective from May 20 to August 31, 2022 only.** Learn more.
    
   Equitable Life is committed to offering advisors and clients product, service, and feature choices that best suit their needs. We offer multiple sales charge options, three distinct guarantee classes, and a diverse selection of investment funds to align with advisors’ and clients’ unique needs.  

    
    
   ** Equitable Life reserves the right to end the campaign, at any time and without notice.
   ™or ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
6. 7% No Load CB5 Initial Commission – Limited time offer extended to December 31, 2022 for Investment

    

   We are pleased to announce the temporary increase to the CB5 sales option initial commission from 5.6% to 7.0% has been extended to December 31, 2022 on Pivotal Select™ Investment Class (75/75) only.* 
   
   
   
   Equitable Life is committed to offering advisors and clients product, service, and feature choices that best suit their needs. We are pleased to offer multiple sales charge options, three distinct guarantee classes, and a diverse selection of investment funds to align with advisors’ and clients’ unique needs.
    
   For more information, please contact your Equitable Life Regional Investment Sales Manager.
    
    
    
   * Equitable Life reserves the right to end the campaign, at any time and without notice. Prior temporary increase to CB5 sales option initial commission for Pivotal Select Protection Class 100/100 and Pivotal Select Estate Class 75/100 ends August 31, 2022.
   ** Applies to FundSERV trades occurring between September 1 and December 31, 2022. Initial commission on non-FundSERV trades occurring between September 1 to December 31, 2022 increases from 4% to 5%. Initial commission is subject to a chargeback.
    
   ™ or ® denote trademarks of The Equitable Life Insurance Company of Canada.

7. Equitable receives FundGrade A awards for outstanding performance Equitable^® is thrilled to announce that several of our funds have received Fundata FundGrade A awards for their exceptional performance in the first half of 2025.
   
   The FundGrade rating system is a great tool for identifying top-performing funds. This recognition highlights our commitment to providing high-quality investment options to clients.
   
   And the winners are…
   The following funds from Equitable's lineup have received a FundGrade A rating this year:
   
   Pivotal Select:
   • Equitable Life NASDAQ 100 ESG Index Fund Select
   • Equitable Life Fidelity^® Climate Leadership Balanced Fund Select
   • Equitable Life Fidelity^® Global Innovators Fund Select
   
   Personal Investment Portfolio/Pivotal Solutions:
   • Equitable Life Invesco Global Bond Fund
   
   
   An enhanced fund performance page
   Equitable has also introduced several new features to our fund performance page to enhance user experience. These updates include:
   • Printable performance reports: Easily accessible and printable reports for detailed fund performance.
   • Equity and Fixed Income breakdowns: Detailed breakdowns by fund displayed on the Fund Details tab.
   • Fund Category display: Clear display of fund categories on the Fund Details tab.
   • Filter enhancements:
     • New “Risk Rating” filter.
     • New “U.S. Equity” filter.
     • Renamed “Domestic Equity” to “Canadian Equity”.
     • Moved “Index Funds” and “Portfolio Solutions” out of asset class filters into “Additional filters”.
   
   For more information on these funds and their performance, and to see the latest enhancements, visit our Fund Performance page.
   
   Questions? Contact your Director, Investment Sales.
   
   FundGrade A is used with permission from Fundata Canada Inc., all rights reserved.
   Date posted: June 10, 2025
8. What's new?
9. Step Up Your Wealth is Back—and It’s All About You!

   
   Equitable^® is excited to bring back our Step Up Your Wealth Sales campaign for 2026! This is your opportunity to grow your business, deepen client relationships and earn rewards for doing what you do best—helping Canadians achieve financial confidence.
   
   As an advisor, you know the value of a strong partner. At Equitable, we combine the strength of a mutual company with a full suite of competitive wealth solutions designed to help support every stage of a clients’ financial journey.
   
   
   
   
   Your Advantage Starts Here
   
   Expand Your Offering: Access a comprehensive range of products to meet diverse client needs—from accumulation to retirement income.
   Build Stronger Relationships: Position yourself as a trusted advisor with solutions backed by Equitable’s proven track record.
   Earn More: Receive a Growth Bonus* as our way of recognizing your commitment and success.
   
   This campaign is designed to help you grow your book of business while delivering exceptional value to clients. Together, we can make 2026 your most successful year yet because when we grow together, success is mutual.
   
   Ready to Step Up? Visit our website or connect with your Director, Investment Sales today for full details.

   
   
   *The bonus amount will be calculated on December 31, 2026 based on net deposits to Equitable Individual Wealth products for 2026. The bonus will be paid within 90 days following December 31, 2026. Maximum bonus payable is $100,000 for re-qualifying Elite Advisors; $75,000 otherwise. Re-qualifying Elite Advisors are advisors who attained Elite status at the end of 2025 and maintain Elite status at the end of 2026. To attain Elite advisor status, an advisor must have $1,250,000 in gross deposits in at least five Equitable policies in 2026 or $10,000,000 in assets with Equitable’s Individual Wealth at the end of 2026. For re-qualifying Elite Advisors that reach $10,000,000 or more in net deposits in both 2025 and 2026, the maximum payment is $200,000. Equitable reserves the right to end or after the Step Up Your Wealth Sales campaign or the Elite Advisor Program at any time and without notice.