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  1. [pdf] Coverage2go
  2. [pdf] Daily/Guaranteed Interest Account - Product at a Glance
  3. [pdf] The Right Time To Buy And Sell
  4. [pdf] Equitable GIF Advisor Guide
  5. [pdf] Beneficiary Change Form
  6. MER + TER = FER: what it means for clients
  7. Equitable Life Group Benefits Bulletin - July 2021

    In this issue:

    *Indicates content that will be shared with your clients
     

    Fabien Jeudy takes over as President and CEO*

    In March, we announced that Fabien Jeudy was appointed as Equitable Life’s next President and CEO. Jeudy officially took over on July 5th, succeeding Ronald Beettam, who is retiring after 16 years with the company.

    Jeudy is a collaborative leader with more than 30 years of experience in the insurance industry, leading actuarial, finance, risk management, distribution, marketing teams and operational teams in the Life & Health Insurance, Wealth Management and Group Benefits markets in Canada, the US, and Asia.

    Reminder: Equitable Life’s Guide to Accessing Virtual Healthcare*

    The demand for virtual healthcare services has increased as the pandemic is driving more people to access their health care providers from home.
     
    Thankfully, many virtual healthcare services are available for free to Canadians with provincial health care coverage. We have created a Guide to Accessing Virtual Healthcare for plan members to easily access a variety of virtual healthcare services. Our guide includes information and links to both free and paid virtual medical care options, including video appointments, health advice over the phone, emergency dental services, and more.
     
    You can find the guide on our website. It’s also available on our plan member website at EquitableHealth.ca.

    Mental health resources for plan members*

    Many Canadians have been experiencing increased levels of stress, anxiety, and depression since the beginning of the COVID-19 pandemic. Through our partnership with Homewood Health®, all of our clients and their plan members have access to a number of health and wellness resources designed to provide guidance and support.
     
    Homewood’s Online Cognitive Behavioural Therapy tool, i-Volve, can help plan members identify, challenge and overcome anxious thoughts, behaviours and emotions. Learn more about Online CBT or access i-Volve at Homeweb.ca/Equitable.
     
    As well, Homewood has a number of resources available to help support plan members dealing with increased anxiety during these uncertain times: Please encourage your clients to share these resources with their plan members. They are also available on our plan member website at EquitableHealth.ca.

    Recall of Philips CPAP machines*

    Last month, electronics company, Philips, issued a recall with Health Canada of some of its Continuous Positive Airway Pressure (CPAP), BiLevel Positive Airway Pressure (BiLevel PAP) devices and Mechanical Ventilators. The recall was issued due to a foam abatement within the machines that can become loose and cause potential health risks.

    To qualify for repair or replacement of these devices, users must register their machine on the Philips website. 
     
    CPAP, BiLevel PAP devices and Mechanical Ventilators are eligible for coverage under an HCSA and under some Extended Health Care plans. Plan administrators may want to inform plan members of this recall if the devices are eligible for coverage under their plan. 
     
  8. December 2023 eNews

    Insights on EZBenefits from our Executive Vice-President, Group Insurance


    When it comes to advising small business owners, it can be tough to find the right group benefits solution. Offering a competitive benefits plan is more important than ever to help small business owners attract and retain talent. They need an affordable solution that’s easy to implement, renew and maintain.

    That’s why we launched EZBenefits for small business earlier this year. It’s a unique group benefits solution designed with you and your small business clients in mind. 

    Marc Avaria, Executive Vice-President, Group Insurance, explains:

    Find out more

    Visit info.equitable.ca/EZBenefits for more details or to request a quote. If you have questions, contact your Equitable Group Account Executive.


    Supporting plan members through cold and flu season with Dialogue Virtual Healthcare*

    Now that cold and flu season is here, many Canadians will start calling in sick or missing work to visit their doctor – if they can get an appointment. Now’s the time to remind your clients that Equitable offers Dialogue Virtual Healthcare. It can be added to any Equitable plan for an additional cost.

    Eligible plan members and dependants receive fast, on-demand access to virtual primary medical care—24/7, 365 days a year. Available for a variety of non-urgent health concerns, Dialogue Virtual Healthcare can make it easier to navigate cold and flu season by providing:
    • Access to the largest, most experienced bilingual medical team in Canada,
    • In-app prescription renewals and refills,
    • Personalized follow-ups after each consultation, and
    • An all-in-one patient journey to address health issues. This reduces long waits and means less time away for doctor appointments.

    Benefits of Virtual Healthcare for plan sponsors

    When your clients provide Virtual Healthcare for their plan members, they can help:
    • Drive employee engagement;
    • Reduce absenteeism related to in-person medical appointments;
    • Manage chronic health issues;
    • Attract and retain top talent; and
    • Build a healthier workforce.

    Learn how it works

    Adding Dialogue Virtual Healthcare to your clients' plans

    To learn more about adding Virtual Healthcare to your clients’ benefits plans, contact your Group Account Executive or myFlex® Account Executive. You can also share this resource from Dialogue on managing cold and flu season.


    Changes to Short-Term Disability benefits calculations*

    The Canada Employment Insurance Commission and Canada Revenue Agency have announced the 2024 changes to Maximum Insurable Earnings, and premiums for employment insurance. The following changes to Employment Insurance (EI) will take effect January 1, 2024:

    How does this affect your clients?

    To comply with client policy provisions, Equitable will revise Short-Term Disability (STD) benefits with the updated maximums based on the percentage of EI Maximum Weekly Insurance Earnings for policies that meet these conditions:
    • Policies that include a STD benefit that is tied to the EI Maximum Weekly Insurable Earnings, and
    • Policies with a classification of employees that has less than a $668 maximum.
    • The additional premium for any increase from their previous STD amounts and new STD amounts will be shown on your clients’ January 2024 Group Insurance Billings (as applicable). 
    If a client’s STD maximum is currently higher than $668 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 Issue and Special Projects.

    *Indicates content that will be shared with your clients. 
  9. [pdf] Pre-Authorized Debit (PAD)
  10. Update on our service levels during the COVID-19 pandemic

    Supporting your clients and their plan members is more important than ever during the ongoing COVID-19 pandemic

    So, we’re providing an update on our service levels.

    We acted quickly to ensure there were no disruptions in service – most of our staff were working remotely from home and fully functional within a few days. We’ve reallocated resources from functions where volumes are down, such as dental claims, to those experiencing higher volumes. We also created a separate queue for COVID-19-related STD claims.

    As a result, we’ve been able to maintain the industry-leading service levels you have come to expect from us, and our turnaround times continue to be well within our targets.

    Here’s a summary of what you and your clients can currently expect in terms of average turnaround times:

    Service category Average Turnaround Time
    (as of April 26th)
    Customer Care Centre wait times 89% of calls answered within 20 seconds
    Responses to emails to our Service Team Within 24 hours
    Health claims 2 days
    Dental claims 2 days
    Life claims 1 day
    STD claims 4 days
    LTD claims 4 days
    Plan member updates 2 days
    New customer implementations 16 days
    COVID-19-related plan amendments 4 days
    Other plan amendments 8 days
    Quotes 2 days ahead of deadline

    We will closely monitor the situation and continue to adapt to ensure we maintain our service levels. And we will do our best to resolve any service issues that arise as quickly as possible.

    Please feel free to contact your Group Account Executive or myFlex Sales Manager and let us know how we’re doing.