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1. Easy and convenient digital options for your clients and their members

   During this time of physical distancing, people are looking for ways to interact with their providers virtually. We have several convenient digital options available to make it easier for Plan Members and for Plan Administrators. Below is an overview to refer to when you're meeting with your clients. Or you can download this PDF version

   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, Plan Administrators 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.

   Online Plan Member Enrolment

   Our Online Plan Member Enrolment tool simplifies the onboarding process for both Plan Administrators and Plan Members and offers a more secure and efficient alternative to traditional paper enrolment. The user-friendly interface allows Plan Members to easily enrol in their benefits plan in just minutes from their computer or mobile device. That saves work for Plan Administrators by eliminating the need to manage paper forms. And since Plan Members receive automatic reminders, it reduces late applicants and eliminates the need to chase down Plan Members for their paperwork. (This option is currently only available for new clients. It will soon be available for existing clients to add new hires.)

   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   Instead of paper kits that can easily get lost or quickly become outdated, Plan Members receive personalized welcome kits via an interactive email, including instructions on how to activate their online group benefits account,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 their health and wellness resources.

   Easy automated payments

   Automated payments are a convenient way to avoid missed payments, suspended claims and disruption. Plan Administrators simply need to complete thepre-authorized debit formand send to GroupCollection@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 where they can submit claims, view their claims status and history, and review their coverage details from their computer or mobile device. They can also visit Equitable HealthConnector®, our suite of services to help employees stay healthy and productive. They can simply visit www.equitablehealth.ca to activate their Group Benefits account.

   Electronic Claim Payments and Notifications

   Once Plan Members have activated their Group Benefits account on EquitableHealth.ca, they can easily get set up to receive their claim payments via direct deposit, and their claim notifications via email. Once logged in they simply click “My Information” and enter the required information.

   EZClaim Mobile App

   Submitting claims is fast, easy and secure with the Equitable EZClaim® mobile app. Plan Members can submit health and dental claims and receive payments directly to their bank account via direct deposit. Most claims are processed within three business days; some are processed in as little as 24 hours. They simply download the EZClaim app for their iPhone®, or Android™ device, fill out the interactive health or dental claim form, attach their receipt and submit.

   Digital Benefits Cards

   Instead of digging through their wallets, Plan Members can download a digital version of their benefits card on their mobile device via the Equitable EZClaim® Mobile app to easily provide coverage details to health providers.

   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.

2. Are your clients looking for more Tax-Free Savings Account contribution room?
   Good news!  With the start of the new year comes new additional contribution room.
   
   A Tax-Free Savings Account is a great option for clients to grow their savings with the flexibility to access their money when they need it, before or during retirement. Encourage your clients to start saving today! ­
   
   For more information on the options available, please click here.
    
3. Submission to Commission
4. The right tools to seize the RSP Season

   
   Fast. Easy. Accurate. With the EZ Suite of services from Equitable Life^®, you won’t just get on top of the wave this RSP season, you’ll enjoy the ride.
   
   Learn more.

   
    
5. 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.

6. Easier group enrolment and more group benefits updates

   Make enrolment easier for your clients with online plan member enrolment (OPME)

   Enrolling new plan members can be overwhelming – for both you, your clients and their employees. It’s time-consuming to manually load new members and challenging to ensure they complete the necessary paperwork before the enrolment deadline.
   
   Our Online Plan Member Enrolment (OPME) tool is available at no extra cost for all your Equitable Life clients and offers a more secure and efficient alternative to traditional paper enrolment. Using their computer or mobile device, employees can enrol in their benefits plan in just minutes.
    
   The user-friendly tool allows plan members to easily enter all their enrolment information, including:
   • Dependent details
   • Banking information for direct deposit of claim payments
   • Details for coordination of benefits
   • Beneficiary designation 
   The online enrolment tool can be used by both new groups and existing clients enrolling new plan members. The tool reduces errors and rework that can occur due to spelling mistakes or missing information on paper forms. 
   
   The days of chasing plan members for their paper enrolment forms are gone. Once plan administrators enter a few employee details, our system automatically sends an email to each plan member, inviting them to enrol in their benefits program. And there will be no need for your clients to send reminders or follow up with employees about their benefits enrolment. It’s all done automatically. 

   Support with using OPME

   To learn more about the benefits of using OPME, check out our Online Plan Member Enrolment Flyer. We also encourage you to share more information with your clients:
   • Online Plan Member Enrolment Overview
   • Quick Reference Guide
   We also have helpful reference guides for plan members, to help them use the tool: 
   • Online Plan Member Enrolment Quick Reference Guide
   • myFlex Online Plan Member Enrolment Quick Reference Guide
   To learn more about accessing OPME, your clients can contact their Equitable Life Client Relationship Specialist or myFlex Benefits Team for support.
   
   Help your clients spend less time administering group benefits. Contact your Group Account Executive or myFlex Sales Manager to learn more about our online plan member enrolment.
    

   Coming soon: A survey to help us serve your clients better*

   We are committed to providing your clients and their plan members with industry-leading service. We’ve introduced several enhancements over the past year to make it easier to do business with us. And we’re continually looking for ways to improve.
    
   This month, we will conduct a survey of your clients to help us understand how we can better serve them. Plan administrators will receive an email with a link to the survey, which will take between five and 10 minutes to complete. 
   
   Please encourage your clients to participate. Their feedback will be confidential, and their responses will help us improve our service and ensure we’re meeting their expectations. We will also allow them to provide their name so that we can follow up with them to address any concerns they’ve identified.
    
   We know your clients’ time is valuable. So, each plan administrator who completes the survey will be entered into a random draw for a chance to win one of 3 prepaid gift cards for $200.
    

   Improved mental assessment features for FeelingBetterNow®*

   Mensante has enhanced its FeelingBetterNow® online platform to make it easier for plan members to assess the state of their mental health and talk to their health care provider about treatment options. FeelingBetterNow is part of our Equitable HealthConnector suite of wellness solutions and is available for an additional cost. It can help plan members easily identify if they are at risk for a number of common mental health issues, including depression, anxiety and substance abuse.  

   Upgrades to the platform include:

   • New features to help plan members better gauge their progress in the assessment.
   • A printable Action Plan that plan members can share with their health care provider to initiate conversations about managing their mental health challenges.
   • A new “follow-up” module to help plan members assess the care they’ve received from their health care provider and identify care gaps.
   • An Assessment Outcome Page, which allows plan members to view their diagnostic risks across mental health disorders for a more holistic picture of their health.
   To learn more about how FeelingBetterNow can help your clients’ plan members take charge of their mental health, view our overview or contact your Group Account Executive or myFlex Sales Manager. 
    

   Over-age dependants losing coverage?*

   Your clients’ plan members may have dependants approaching the maximum age for eligibility under their group benefits plan. If so, members should be aware of their options for dependant coverage. 

   Coverage for full-time students and dependants with disabilities

   The dependants of your clients’ plan members may be eligible to continue their coverage under the current plan if: 
   • The dependant is attending a post-secondary school full-time; or
   • The dependant is disabled. 
   In either case, the plan member can complete the Application for Coverage of Dependent Child Over Age 21 (Form #441) and submit it through our online document submission tool. The tool is available under My Resources in the plan member’s Group Benefits account at EquitableHealth.ca.  

   Coverage2go for over-age dependants

   Dependants who aren’t eligible for continued coverage under the plan can apply for Coverage2go®, a month-to-month health and dental plan for individuals losing their group coverage.**
   
   Coverage2go is affordable, reliable and allows the over-age dependants to choose the level of coverage and protection that suits their personal situation. With no medical questions required as long as they apply within 60 days of losing their coverage, your clients’ plan members can ensure that their over-age dependants have the coverage they need.
   
   Plan members can receive a quote within minutes. Please direct your clients to Coverage2go on Equitable.ca to learn more.  
    
   **Quebec residents are not eligible for Coverage2go.

   Forfeiture reports for HCSAs and TSAs on EquitableHealth.ca*

   As a reminder, your clients can access forfeiture reports for their Health Care Spending Account (HCSA) and Taxable Spending Account (TSA) usage on EquitableHealth.ca.  

   HCSA summary by plan member

   HCSA summary reports provide an overview of each plan member’s account activity and balances. These reports include the total amounts allocated, the amount claimed to date, the net balance, and the amount of funds that will be forfeited based on claims paid to date. Please note that plan members’ claim submissions will remain confidential and will not be viewable by the employer on this summary.
   
   Your clients can provide each plan member with their HCSA summary, if they wish.  

   HCSA account forfeiture by plan member

   HCSA forfeiture reports detail the amount that each member will forfeit if they do not use it. The amount is based on claims that have been paid to date within the benefit year period.  

   HCSA account totals by plan member

   Your clients may wish to access the HCSA account totals reports, which reflect the information in each plan member’s HCSA summary report. For terminated employees, the Funds Available field will display as zero, regardless of the balance in the account when terminated. 
   
   At least three months before the end of the benefits period, your clients should remind their members to use their allocated HCSA and TSA amounts.
   
   If your clients need help accessing these reports, they can reach out to their Regional Office Service team for assistance.
   
   * Indicates content that will be shared with your clients.
   
   
   
    
7. 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:
8. Policy Change eDelivery Scenarios
9. Are your clients looking for more Tax-Free Savings Account contribution room?

   Good news!  With the start of the new year comes new additional contribution room. And to make it even better the Government of Canada­­­ increased the annual contribution limit. Effective January 1, 2023, the annual limit goes from $6,000.00 to $6,500.00.   
     
   A Tax-Free Savings Account is a great option for clients to grow their savings with the flexibility to access their money when they need it, before or during retirement. Encourage your clients to start saving today!­
   
   For more information on the options available, please click here.

   
   Posted: January 3, 2023