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REMINDER that paper applications with a version date prior to 2021/04/02 are set to expire July 1, 2
To comply with the Government of Canada’s anti-money laundering legislation and FATCA/CRS changes, Equitable Life® has updated its Savings and Retirement and Life Insurance applications.
If you currently have applications with a version date before 2021/04/02, please destroy them and use our online pdf applications or order new applications from our Supply Team. Paper applications with a version date prior to 2021/04/02 (located on the back page and in the bottom right-hand corner of the application) will no longer be accepted after July 1, 2021 for:
● Savings and Retirement (Form #1383, #1384, #799, #355), and
● Life Insurance (Form #350)
To learn more about the Government of Canada’s anti-money laundering legislation and FATCA/CRS review the following links:
Want to be sure you always have the most up-to-date application? Try our EZcomplete® online platform for Individual Life, Critical Illness and Segregated fund applications.
For a complete list of all forms and applications affected by the anti-money laundering legislation, refer to the following links:
● Savings and Retirement Anti-money Laundering Legislation Requirements Summary.
● Life Insurance Anti-money laundering Legislation Requirements Summary.
● Government of Canada - Guidance on the Common Reporting Standard
● Financial Transactions and Reports Analysis Centre of Canada
If you have any other questions, contact your Regional Sales Manager or Equitable Life’s Advisor Services Team
® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
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Do you have clients looking for growth but are concerned about taking on too much risk?
Please join us to hear Dina DeGeer, Senior Vice President, Portfolio Manager, Head of the Mackenzie Bluewater Team and David Arpin, Senior Vice President and Portfolio Manager, Mackenzie Investments, discuss how the Mackenzie Bluewater Team is positioning the Mackenzie Canadian Growth Balanced Fund for future success
Learn about the value of investing in high-quality businesses and how taking a broader approach to fixed income investing can deliver the balanced solution your clients are looking for
Equitable Life is pleased to offer the Mackenzie Canadian Growth Balanced fund as one of six different Mackenzie funds in Pivotal Select™ segregated fund lineup.
Learn More
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Equitable Life Group Benefits Bulletin – November 2020
In this issue:
- Telemedicine now included in Travel Assist*
- Take advantage of our convenient digital options*
- 2021 changes to Maximum Insurable Earnings, Maximum Weekly Insurable Earnings and Short Term Disability Benefit*
*Indicates content that will be shared with your clients
Telemedicine now included in Travel Assist*
Medical emergencies can be particularly stressful while travelling. Making your way to a medical facility can be a struggle. And once you get there, you could face long wait times, language barriers or even the risk of COVID-19 infection.
That’s why Allianz Global Assistance®, our Travel Assist provider, is adding two new virtual care options to provide plan members with timely and appropriate medical support.
As always, when a travel medical emergency strikes, plan members call Allianz for assistance. During the intake process plan members will be guided through a series of questions to triage their unique medical situation. Options for care now include two different virtual care services:
- TeleConsultation – Video and chat consultation with a locally licensed physician. This physician can diagnose simple medical conditions and provide a prescription. Available across Canada and in some high travel states in the United States.
- TeleAdvice – Video and chat consultation for situations which are not likely to require a prescription. The physician can diagnose simple medical conditions and provide medical guidance.
Plan members who use virtual care may benefit from:
- Reduced wait times;
- Care from the comfort of their current location;
- Reduced language barriers;
- No need to arrange transportation to a medical facility;
- Reduced impact on travel itinerary; and
- Reduced risk of exposure.
Both TeleConsultation and TeleAdvice will be available for all Equitable Life plan members beginning January 1st, 2021. There is no additional cost, no changes required to your client’s plans, and no change to the way plan members contact Allianz in the event of a travel medical emergency.
This PDF plan member update will also be included in the eNews to plan administrators.
If you have any questions about these new features, please contact your Equitable Life Group Account Executive or myFlex Sales Manager.
Allianz Global Assistance is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd.
Help your clients take advantage of our convenient digital options*
During this time of physical distancing, people are looking for ways to interact with their providers virtually. We recently enhanced our Online Plan Member Enrolment tool, allowing all groups to add new plan members without the need for paper forms.
Did you know, we have several other digital options available to make it easier for your clients to do business with us and for their plan members to access and use their benefits plan? Over 71% of plan administrators are managing their plan online and 78% of plan members are already using our digital tools.
For plan administrators:
- Plan Administrator Portal (EquitableHealth.ca) – plan administrators can easily manage their plan anytime and anywhere
- Digital Welcome Kits – personalized welcome kits are delivered to plan members via email
- Easy automated payments – plan administrators can avoid missed payments by setting up pre-authorized debit or electronic funds transfer
For plan members:
- Plan Member Portal (EquitableHealth.ca) – plan members get secure, 24/7 access to their claims history, coverage details and health and wellness resources
- Electronic Claim Payments and Notifications – plan members can get claim updates sooner in their email inbox and payments right into their bank account
- EZClaim Mobile App – submitting claims from a mobile device is fast, easy and secure
- Digital Benefits Cards – plan members no longer have to dig through their wallet – they can download their benefits card on their mobile device
Learn more about how we’re making it easier for your clients to do business with us
2021 changes to Maximum Insurable Earnings, Maximum Weekly Insurable Earnings and Short Term Disability Benefit*
The Canada Employment Insurance Commission and Canada Revenue Agency have announced the 2021 changes to Maximum Insurable Earnings, and premiums for employment insurance. These changes take effect January 1st, 2021.
Maximum Insurable Earnings (MIE)
The MIE will increase from $54,200 to $56,300.
Maximum Weekly Insurable Earnings (MWIE)
The MWIE will increase from $1,042 to $1,083.
EI Benefit (55% of the MWIE, rounded to the nearest dollar)
EI benefit will increase from $573 to $595
Information for Plan sponsors
If your client’s Group Policy with Equitable Life includes a Short Term Disability (STD) benefit which is tied to the EI MWIE, and at least one classification of employees has less than a $595 maximum:
- To comply with the provisions of their policy, their STD benefit will be revised with the maximums updated based on the percentage of EI MEIW shown in their policy.
- The additional premium for any increase from their previous STD amounts and new STD amounts will be show on their January 2021 Group Insurance Billing (as applicable).
If their STD maximum is currently higher than $595 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 Quotes and Issue.
*Indicates content that will be shared with your clients
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Important update regarding all paramedical appointments
Update regarding parameds for NEW and EXISTING cases:
- In the absence of Parameds, the preferred method is to complete the medical questions in EZComplete
- If you didn’t complete the new medical information, then complete the Health Information Form #1878
- If you are unable to complete the 1878 Health Information Form, then you can order a Video EPara through Dynacare or through Equitable
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Equitable Life has made the decision to temporarily stop all face-to-face field service appointments effective immediately to ensure the protection of both our Clients and Examiners. All appointments will be cancelled by ExamOne. Dynacare has already cancelled their appointments.
We are doing this to support social distancing as requested by the Federal and Provincial governments. We are actively working on a plan to provide viable options in the absence of face-to-face paramedical service appointments. This will be communicated shortly.
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Join your Equitable Savings & Retirement Operations team for valuable tips and tricks
You’re invited to our next Equitable® Savings & Retirement Operations webcast, offering compelling topics and unique ideas to help you manage and grow your business.
Join your host, Shannon Labby, Investment Sales Vice President, Equitable, along side Heather Boniface, Director, Client & Partner Operations, Lisa Zidar and Lisa Litt, Product Owners, Savings & Retirement Digital Experience.
Your Equitable Operations team will share:
• Key dates to keep you on track for RRSP & tax season.• Important initiatives within their respective teams.• Overviews of functionality and enhancements for EZcomplete® and EZtransact®• Valuable tips and tricks to ensure your continued success in the field.Learn more
Continuing Education Credits
Continuing Education Credits are not available for this webcast. This webcast is available in English only.
Date posted: October 17, 2024 - Featured
- Individual insurance video library
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Submit PADs in a fraction of the time? It’s true…
Skip the paperwork and get Pre-Authorized Debit requests submitted instantly!
Are you still submitting pre-authorized debit (PAD) requests via fax or email? You could be saving time and effort by using EZtransactTM instead:-
Pick the client's name from your list of clients.
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Choose the bank account from a list of pre-filled options.
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Have the client e-sign the form.
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Hit submit – form is sent to Equitable instantly.
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Your MGA office receives a copy at the same time.
No more scanning, saving, uploading, emailing, or faxing.
Get to know EZtransact in time for RRSP season and fast-forward your sales process.
™ or ® denote trademarks of The Equitable Life Insurance Company of Canada.
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- [pdf] Tax Free Savings Account
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This year’s RSP contribution deadline is February 29, 2024
The RSP deadline is fast approaching and here are some important things to remember.
Issuing a New Policy with EZcomplete®
All online applications must be digitally signed and submitted and have a date stamp no later than February 29, 2024.
Issuing a New Policy using Paper Application
For contributions to qualify for the first 60 days, all paperwork must be completed and signed by February 29, 2024. Equitable® must receive all paperwork by March 8, 2024.
Deposits to an Existing Policy
Advisors can set up a one-time or recurring deposit or edit an existing pre-authorized debit already in place using EZtransact™. Online deposits must be made and have a date stamp by February 29, 2024, to qualify for a 2023 tax receipt.
Clients can make online deposits to Equitable through their financial institution’s online banking service. Online deposits must be made and have a date stamp by February 29, 2024, to qualify for a 2023 tax receipt.
Clients can also make a new deposit to an existing policy by cheque. The cheque must be dated and signed by February 29, 2024. Equitable must receive the cheque no later than March 8, 2024.
If online banking is being used to fund the policy – either topping up an existing policy or opening a new policy – the online banking transaction must be completed by February 29, 2024, to receive a 2023 tax receipt.
Please note that cheques and other paperwork cannot be backdated. They must be completed and signed by February 29, 2024, to qualify for a 2023 tax receipt.
If you haven’t already done so, consider EZcomplete and EZtransact our easy and fast online application and deposit tools to make life easier this RSP season.
For more information, please contact your Regional Investment Sales Manager.
® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada.
Posted February 14, 2024