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Short-term disability coverage for plan members in quarantine or self-isolation*
Please note: This announcement applies only to groups with short-term disability coverage through Equitable Life

With the spread of COVID-19, many people have been instructed to self-isolate or quarantine themselves or are doing so voluntarily. We realize this is a stressful situation for people and they may be wondering if they are eligible for disability benefits. Short-term disability is designed to replace a plan member’s earnings if they are unable to work due to illness and injury. As a result, only plan members who meet the following criteria are eligible for benefits:
- Plan members who have tested positive for COVID-19 and are unable to work from home are eligible for coverage from Day 1 of their self-isolation period.
- Plan members who have not been tested but have symptoms consistent with COVID-19 and are unable to work from home, are eligible for coverage. Claims will be assessed according to the terms of the plan.
Plan members who are in quarantine for any other reason, but do not have symptoms consistent with COVID-19, are not eligible for coverage. These plan members should consider applying for Employment Insurance (EI) benefits, if they do not have an option to work from home.

Submitting COVID-19-related STD claims

To make things easier for plan members who need to submit claims related to COVID-19, we will not require a physician’s statement. Instead plan members should submit our simplified Short Term Disability Plan Member COVID-19 Claim Form.

Plan Administrators need to complete their portion of the regular Short Term Disability Form (Form #421).

This is a temporary process that will remain in effect through the current coronavirus situation. We will update on changes and share them on EquitableHealth.ca.

Applying for the Employment Insurance sickness benefit

Canadians quarantined due to COVID-19, who are not receiving Short Term Disability benefits, can apply for Employment Insurance (EI) sickness benefits. The one-week waiting period for EI sickness benefits has been waived. Service Canada’s dedicated toll-free support number is 1-833-381-2725 or (TTY) 1-800-529-3742.

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About
[pdf] EquiNet Quick Tips
New publication: CLHIA consumer guide for critical illness In February, the Canadian Life and Health Insurance Association (CLHIA) published a new consumer guide for critical illness. This guide covers what clients need to know about critical illness.

Some of the topics include:
● What critical illness insurance covers in Canada
● If critical illness insurance is the right choice for a client
● What critical illness insurance policies may or may not include
● Plan types and offerings
● And more!

Equitable is committed to helping clients make informed decisions about their insurance needs. You can find links to the CLHIA critical illness consumer guide on equitable.ca and through EquiNet > Individual Insurance > Critical Illness. You can also find a link to the CLHIA agent guide for critical illness on EquiNet.

Share this with clients in addition to the great resources below!

Critical illness insurance with Equitable video: View on Vimeo.

Critical illness prospective letter template – simply fill it out and send off to your clients!

Want to earn CE credits? Check out our Critical Illness Path to Success program.

Need more information?
Your Equitable Wholesaler is here to help!

^® and ^TM denote trademarks of The Equitable Life Insurance Company of Canada.
Like a summer breeze – Applying for LIFE insurance just got easier!
What has changed?
A resting electrocardiogram (ECG) is no longer required for most LIFE cases.
•   That’s right! We eliminated the resting ECG as a routine age/amount requirement for most life insurance applicants.
•   Of course, we may still request an ECG in certain cases at our underwriters’ discretion – for example, if the client has a history of diabetes or smoking.

Why did we do this?
It’s simple – Equitable^® is dedicated to continually enhancing the client and advisor experience. By eliminating the ECG step for routine applications, life insurance clients can obtain the coverage they need more quickly and with less effort.

Updated resources coming soon!
The tools below are being updated shortly to reflect the above change:
•   Our age/amount schedule for Life insurance products
•   The underwriting requirements built into our illustration tool
•   Our paramedical service providers’ ordering system

Until then, if you see an ECG as a listed requirement for your client in any of the above, there is no need for you to order the ECG unless we specifically ask for it.

Questions? Please contact your local Equitable wholesaler to learn more.

View our Evidence of Insurability Schedule (#1343) – (see p.1 chart for Life products).

® and ™ denotes a trademark of The Equitable Life Insurance Company of Canada.
[pdf] The Approach to Suitable Sales - Reference
Let’s “Talk Money”: From first savings to retirement income
Financial Literacy Month may be ending, but the conversation shouldn’t.

Talking with an advisor helps normalize money conversations— including discussions on saving, spending, managing debt, and more. This can help clients feel better and make smarter financial choices. As an advisor, you can guide clients from their first savings through to retirement with Equitable^®.

Starting out? Clients can consider:
Tax-Free Savings Account (TFSA)
Save for short- or long-term goals and take out money anytime, tax-free.

First Home Savings Account (FHSA)
Save up to $40,000 tax-free for a first home. Contributions may be tax-deductible, and withdrawals are tax-free for buying a qualifying home.

Growing wealth? Clients can consider:
Registered Retirement Savings Plan (RRSP)
Contributions may be tax-deductible. Good for long-term savings—money grows tax-free until retirement.

Guaranteed Interest Account (GIA) / Daily Interest Account (DIA)
Earn steady interest with flexible terms. Available in a TFSA, RRSP, and FHSA.

Retirement ready? Clients can consider:
Payout annuities
Guaranteed income for life or a set time. Helps make sure savings last.

Resources to support these conversations

Use our easy online tools: EZcomplete^® to apply and EZtransact™ for transactions. Let’s help Canadians save smarter—one step at a time. When we work together, success is mutual.

Reach out to your Director, Investment Sales if you have questions.
[pdf] Retirement Realities
Clients can win up to $5,000 in the RSP Grow Your Future Contest!

RSP season is here and Equitable Life^® is giving clients and their advisors a chance to win BIG with the Grow Your Future Contest.

This contest is for advisors and clients working together to build wealth that lasts through the ups and downs.

Two ways to win:

1. Between January 1 and March 1, 2023, if the client makes a deposit into an Equitable Life RSP policy

2. Between January 1 and 31, 2023, if the client makes a deposit into an Equitable Life RSP policy*

Full contest details.

Grow the future this RSP season!

Equitable Life is committed to offering clients product, service, and 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.

Speak to your Regional Investment Sales Manager to learn more.

*Draws occur weekly from January 9 – February 6, 2023.

® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
Equitable Life® 2023 RRSP Season Contest: No purchase necessary. Contest period January 1, 2023 to March 1, 2023. Enter by making a deposit to an Equitable Life RRSP during the contest period or by submitting a no-purchase entry. Forty-four prizes to be awarded, for a total value of $10,200 CAD. Twenty-one $100 prizes, to be drawn on January 9, 2023, January 16, 2023, January 23, 2023, January 30, 2023 and February 6, 2023. One Grand Prize draw, for a prize of $5,000 CAD, to be held on March 2, 2023. The servicing advisor for the policy to which the selected entrant made the deposit is also an eligible winner: (i) for $100 prizes, the servicing advisor will also receive a $100 prize; and (ii) for the $5,000 grand prize, the servicing advisor will receive a $1,000 prize. For example, if an Equitable Life client is a winner of a $100 prize, the client’s servicing advisor also wins a $100 prize; if an Equitable Life client is a winner of the $5,000 grand prize, the client’s servicing advisor wins a $1,000 prize. Open to legal residents of Canada of the age of majority. Eligible non-winning Entries will continue to be eligible on subsequent Draw Dates. Maximum one $100 prize per person and one $5,000 or $1,000 prize per person. Odds of winning depend on number of eligible Entries received during the Contest Period. For full contest rules, including no-purchase method of entry, see full contest rules.

Posted December 1, 2022
Win with clients this winter – Equitable’s Snowball Your Savings contest This winter, clients’ savings could do more than grow—they could win. From January 1 to March 2, 2026, when clients set up or contribute to a Registered Retirement Savings Plan (RRSP) or Tax-Free Savings Account (TFSA), they will be automatically entered into Equitable’s Snowball Your Savings contest. Here’s the exciting part: two client winners will be randomly selected to receive a prize—just for saving.

Key Dates:
Contribution Period: January 1 – March 2, 2026
Draw Date: March 23, 2026

How to Enter
Getting started is easy—and every eligible contribution is a chance to win!
Step 1: Connect with your clients
Step 2: Help your clients set up or contribute to a RRSP or TFSA that is aligned with their financial needs and goals
Step 3: That’s it! Clients’ entry is automatic—no forms, no hassle!

Whether clients are topping up their TFSA or making a RRSP contribution ahead of tax season, their smart saving could lead to something extra this winter.

Equitable offers trusted, personalized investment solutions and, as a mutual, we provide financial strength and a commitment to helping Canadians grow and protect their wealth.

Visit equitable.ca/snowball for full details

® or ™ denotes trademarks of The Equitable Life Insurance Company of Canada.
Equitable’s Snowball Your Savings contest: No purchase necessary. Contest period January 1, 2026 to March 2, 2026. Enter by making a deposit to an Equitable Tax-Free Savings Account or Registered Retirement Savings Plan during the contest period or by submitting a no-purchase entry. Two prizes for a total value of $10,000 CAD to be drawn on March 23, 2026, will be awarded. The servicing advisor for the contract to which the selected entrant made the deposit is also an eligible winner and will receive a $1,000 CAD prize. For example, if an Equitable client is a winner of the $5,000 prize, the client’s servicing advisor wins a $1,000 prize. Open to legal residents of Canada of the age of majority. Odds of winning depend on number of eligible Entries received during the Contest Period. For full contest rules, including no-purchase method of entry, see the full contest rules.