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1. Changes to coverage of Humira in BC BC Pharmacare recently announced it is adding Humira to the list of drugs included in its ongoing initiative to switch patients to biosimilar versions of high-cost biologics. Patients taking Humira for most conditions will be required to switch to a biosimilar version of the drug by Oct. 7, 2021 to maintain coverage under the public plan.
    
   Biologics are drugs that are engineered using living organisms like yeast and bacteria. The first version of a biologic developed is also known as the “originator” biologic. Biosimilars are also biologics. They are highly similar to the originator biologic drugs they are based on, and Health Canada considers them to be equally safe and effective for approved conditions. 
    
   How we are responding to protect our clients
   To help prevent this change from resulting in additional costs for our clients’ drug plans, while still providing plan members with access to safe and effective medications, we will no longer cover Humira for plan members in BC. Effective Oct. 7, 2021, claimants currently taking Humira will be required to switch to a biosimilar version of the drug to maintain coverage under their Equitable Life plan.
    
   We will be communicating this change to plan administrators later this week. And we will be communicating with affected claimants in early August to allow ample time to change their prescription and avoid any interruptions in their treatment or their coverage.
    
   If you have any questions about this change, please contact your Group Account Executive or myFlex Sales Manager.
    
2. Manage more details within Contract Delivery for New Business applications We are excited to announce further enhancements to our eDelivery process to empower you, the advisor, the ability to manage client details more easily within Contract Delivery.
   
   Effective January 15, 2022, advisors will need to create a Password within Contract Delivery when choosing “eDelivery” as the contract delivery method and provide the password to the client to use as their password:
   
   The Password must be between 4 and 100 alpha/numeric characters, and cannot be the Policy number. For multiple signers the password (and email address) must be unique per each signer.
   
   Advisors can now edit and/or update an email address within Contract Delivery, in the event of a bounce back or email change, to keep the eDelivery process moving and avoid delays in processing time. If a lock out occurs, advisors can trigger a resend of the signing email once they add a new valid email address in Contract Delivery. Simply click the pencil icon beside the Email field to enter the valid email address:
   

   Another new feature- in the event a client has declined, the advisor will get an email from Equitable Life^®. Click through to EquiNet^® within the email to view the message within Contract Delivery that the client provided as the reason for decline under a new “Declined Details” section. This enables you to connect with the client to proceed with the sale by discussing the reasons for decline with them directly.

   Also new for clients with this enhancement, policy owners of a policy created after January 15 will be able to see a PDF copy of their policy within client access. Note: this PDF copy is as the policy was originally issued.
   
   Resources: 

   • eDelivery of a Contract - New Business
   • eDelivery FAQ
3. Equitable Life Group Benefits Bulletin – February 2022 In this issue:
   • Update: Alberta biosimilar coverage changes*
   • Preferred Biosimilar Program*
   • Responding to Quebec’s biosimilar policy*
   • Dental fee guide updates*
   • Reminder: Review manual allocations for HCSAs and/or TSAs*
   • Mental health resources for plan members*
   *Indicates content that will be shared with your clients

   Update: Alberta biosimilar coverage changes*
   Four originator biologics added to Alberta Biosimilar Initiative

   In 2022, Alberta’s provincial drug plan is adding four originator biologics to its Biosimilar Initiative. It has ended or will end provincial coverage of these drugs for some or all conditions, as follows:
   • Lovenox: Jan. 10, 2022
   • Humalog: Feb. 1, 2022
   • NovoRapid: April 1, 2022
   • Humira: May 1, 2022

   Patients 18 and over who are using these drugs for the affected conditions will be required to switch to biosimilar versions of the drugs to maintain coverage under the province’s government drug plan.
   
   How we are responding to protect our clients
   To help prevent this change from resulting in additional costs for our clients’ drug plans while still providing plan members with access to safe and effective medications, we will no longer cover these originator biologic drugs for plan members in Alberta.
   
   Effective May 1, 2022, claimants currently taking these drugs will be required to switch to a biosimilar version of the drug to maintain coverage under their Equitable Life plan.
   
   This is a continuation of the Alberta biosimilar switch program we launched last March, when the province first introduced its Biosimilar Initiative.
   
   Do my clients need to take any action?
   No action is required by plan sponsors. Plan members taking these targeted originator biologics will be contacted directly to allow them ample time to transition to a biosimilar. Any cost savings associated with the change will be factored in at renewal.
   
   Groups that opted out of the biologic coverage changes we made last March will automatically be opted out of these coverage changes, as well as any future changes to our Alberta biosimilar switch program. This means that their drug plans will continue to provide coverage to existing claimants for any originator biologics we stop covering as part of our biosimilar program.
   
   Advisors with clients who wish to opt out of our Alberta biosimilar program, or who previously opted out and want to opt back in, should speak to their Group Account Executive or myFlex Sales Manager.
   
   Communication to plan members
   We will be communicating these coverage changes with affected claimants in early March to allow them ample time to change their prescriptions and avoid any interruptions in their treatment or their coverage. Thus far, the transition to biosimilars, has been smooth and continues to be successful.
   
   What is the difference between biologics and biosimilars?
   Biologics are drugs that are engineered using living organisms like yeast and bacteria. The first version of a biologic developed is known as the “originator” biologic. Biosimilars are also biologics. 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.
   
   Questions?
   If you have any questions about this change, please contact your Group Account Executive or myFlex Sales Manager.

   Preferred Biosimilar Program*

   As part of our ongoing efforts to help ensure the sustainability of your clients’ drug plans, we continue to engage in strategic partnerships with pharmaceutical manufacturers. 
   
   We are pleased to announce a partnership to make Hyrimoz our preferred biosimilar for Humira. This partnership will generate additional savings for plan sponsors.
   
   Plan members will still have the choice to use Humira biosimilars other than Hyrimoz. However, in the absence of alternative sources of reimbursement, this may increase their out-of-pocket amount.
   
   The Preferred Biosimilar Program will take effect March 1, 2022 for all new claimants across Canada who start using a Humira biosimilar. It will take effect May 1 for existing claimants in Alberta who switch to a Humira biosimilar, to align with changes to the provincial plan.
   
   Questions?
   If you have any questions about this change, please contact your Group Account Executive or myFlex Sales Manager.

   Responding to Quebec’s biosimilar policy

   Last year, the Quebec government announced it is phasing out coverage of biologic drugs. Beginning April 13, 2022, patients in Quebec using originator biologics will be required to switch to the corresponding biosimilar covered on the province’s public plan in order to maintain coverage.
   
   The following populations are excepted from this new policy:
   • Pregnant women, who should be transitioned to biosimilars in the 12 months after childbirth.
   • Pediatric patients, who should be transitioned to biosimilars in the 12 months after their 18^th birthdays.
   • Patients who have experienced two or more therapeutic failures while being treated with a biologic drug for the same chronic disease.
   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.
   
   We are actively investigating the impact of this new policy on private drug plans in Quebec. We plan to implement further enhancements to our biosimilar programs in Quebec later this year to help prevent this change from resulting in additional costs for our clients’ drug plans. We will provide more details in the coming months.

   Dental fee guide updates

   Each year, Provincial and Territorial Dental Associations publish fee guides. Equitable Life uses these guides to help determine the reimbursement limits for dental procedures. For your reference, below is the list of the average dental fee increases for general practitioners that will be used by Equitable Life for 2022.*
   
   Dental fee guide increases over 2021*

   Province/Territory	Average Fee Increase
   Alberta	3.9%
   British Columbia	7.35%
   Manitoba	5.79%
   New Brunswick	5.9%
   Newfoundland and Labrador	5%
   Nova Scotia	7.05%
   Northwest Territories	3%
   Nunavut	3.1%
   Ontario	4.75%
   Prince Edward Island	4.75%
   Quebec	5%
   Saskatchewan	5.99%

   *Data for all provinces and territories was not available at the time of publication. This chart will be updated on EquitableHealth.ca as more information becomes available.
    

   Reminder: Review manual allocations for HCSAs and/or TSAs*

   If your client’s Health Care Spending Account (HCSA) and/or Taxable Spending Account (TSA) has manual allocations, they need to allocate these amounts to plan members each year. Please review all your plan members’ profiles on EquitableHealth.ca to ensure they have received their allocation(s) for the current benefit year.
    
   If your clients have Plan Administrator update access on EquitableHealth.ca, they can update these amounts online by doing the following:
   • Select “View certificate”
   • Select “Health Care Spending Account” or “Taxable Spending Account”
   • Select “Update Allocation” in Task Center
   • Enter amount in “Revised Allocation Amount”
   • Override Reason – “Plan Administrator Request”
   • Select “Save”
   If your clients have Plan Administrator reporting access on EquitableHealth.ca, they can determine which plan members have a zero allocation by running the “HCSA Totals by Plan Member” report online by doing the following:
   • Select “Reports”
   • Select “New”
   • Select “Next”
   • Select “HCSA” or “TSA Totals by Plan Member”
   • Select “Next”
   • Enter end date of “12/31/2020”
   • Select “Next”
   • Select “Finish”
   • View “Report”
   To provide us with the amounts to be updated, please have your client contact our Group Benefits Administration Team at GroupBenefitsAdmin@equitable.ca.

   Mental health resources for plan members*

   As the COVID-19 pandemic continues to evolve, many Canadians are experiencing increased levels of stress, anxiety, and depression. 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. These resources include a number of webinars which discuss various COVID-19 and mental health-related topics. The webinars are pre-recorded so plan members can stream them at their convenience.
    
   Understanding the Impact of COVID-19 on Your Mental Health
   English webinar
   French webinar
    
   COVID-19: Loneliness & Isolation Fatigue - Self-Care Strategies 
   English webinar
   French webinar
    
   COVID-19: Dealing with Seasonal Affective Disorder
   English webinar
   French webinar
    
   Reducing Anxiety & Managing the Transition Back to the Classroom - for Teachers
   English webinar
   French webinar
    
   COVID-19: Specialized Mental Health Support for Health Care Professionals
   English webinar
   French webinar
    
   COVID-19: Supporting Children’s Mental Health
   English webinar
   French webinar
    
   Additional resources, including articles, tools, videos and podcasts, are available at Homeweb.ca/Equitable. Please encourage your clients to share these resources with their plan members.
    
4. Equitable Life Savings & Retirement Webinar Series features Global Equity Investing Using a First Pr
   In 2022, Equitable Life’s® S&R team will continue to spotlight various aspects of our competitive fund lineup and product offerings. Each webinar in the series features a new topic. This series gives advisors an opportunity to:
   • learn more about various products and product features,
   • hear from industry professionals,
   • learn about investment strategies; and so much more.
   
   This month, Equitable Life welcomes Michael Hatcher, CFA, Head of Global Equities and Director of Research for the Invesco Canada Equity team. Join your host Taylor Stavenjord, Regional Vice President and Invesco Canada.
   
   Equitable Life is pleased to highlight access to Invesco Global Companies Fund, Invesco International Companies Fund, and Invesco Europlus Fund in the Pivotal Select™ segregated fund lineup.
   
    

   Learn more

   
   
   Continuing Education Credits
   This webinar has been submitted for continuing education (CE) approval with the Insurance Council of Manitoba and Alberta Insurance Council for all provinces excluding Quebec. Upon approval, you will be sent an email notification to come back to the webinar presentation console to download your personalized certificate from the tool bar. To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. This webcast is available in English only.

5. Equitable Life Dynamic Global Real Estate Fund Select: More than an inflation hedge Some clients may be missing out on the benefits of real estate investments. In addition to providing an inflation hedge, investing in real estate can help to diversify an investment portfolio and manage overall risk.
    
   Check out Equitable Life Dynamic Global Real Estate Fund Select in this issue of Fund Focus.
   
   The fund aims to achieve long-term capital appreciation and income by investing in publicly listed real estate companies across a spectrum of property types and geographies.
    
   Reasons to Invest:
   • Access to high-quality and diversified real estate assets through public companies from around the world
   • Real estate is an asset class highly sought after by pension funds and institutional investors
   • The underlying Dynamic Global Real Estate Fund is the oldest real estate mutual fund in Canada (1996)
   • A key pillar is protecting capital – manager focus is on providing downside protection
   • Competitive MER of 2.64%*
   For more information, check out the Equitable Life Dynamic Global Real Estate Fund Select flyer or contact your Regional Investment Sales Representative.
   
   Date posted: April 14, 2023
    
   * effective December 31, 2022
    
   ™ or ® denote registered trademarks of The Equitable Life Insurance Company of Canada.
6. Saving time with our fully digital group benefits application On May 1, 2023, we are launching Equitable BenefitsApply™, our fully digital group benefits application.
    
   This enhancement to the benefits application process will help both you and your clients save time when applying for an Equitable Life group benefits policy. We designed and developed BenefitsApply with input and feedback from several advisors and clients, who tested the tool for themselves.
    
   In most cases, BenefitsApply will replace our traditional paper implementation process.*
    
   BenefitsApply eliminates the need for clients to complete and sign multiple, lengthy paper forms. Time-saving features for you and your clients include:
   • A fully digital online application that you can access wherever and whenever you need it,
   • Pre-filled standard fields,
   • Only one signature required from plan sponsors,
   • A smart application that only includes the sections relevant to the client and the plan design they have chosen, and
   • Automatic notifications of any missing fields. 
   Your Client Relationship Specialist is available to support you, provide a demo and provide training on how to use BenefitsApply.
    
   We will continue improving BenefitsApply’s features based on feedback from the people who use it—you and your clients. We encourage you to share any feedback you have with your Group Account Executive or your Client Relationship Specialist.
    
   *BenefitsApply is currently available for groups with up to four divisions and up to four classes. It is not available for myFlex Benefits plans, or for clients with a customized master application.
7. NEW – Online courses for CE Credits from Individual Insurance Needing continuing education credits?
   Equitable^® is excited to introduce two new online courses focusing on Universal Life and Critical Illness insurance that provide immediate CE credits upon completion. The courses allow you to learn at your own pace and earn CE Credits quickly and easily. Both courses are accredited by AIC, ICM, the Institute, and La Chambre*.
    
   New courses:
   1) Where UL fits in your product portfolio
   2) Building your business with Critical Illness insurance
    
   A few important notes before you get started:
   ● The programs are hosted on Teachable: https://equitable-life-education.teachable.com/
   ● Username: Please use your email that you are contracted with.
   ● Password: Equitable
   ● Please use Google Chrome to access the courses.
   
   
   
   Check out our new individual insurance online learning centre on EquiNet^® to stay up to date on new courses and find out more information on the topics provided. While you’re there, don’t forget to take our Path to Success course!
    
   Questions?
   Contact your local wholesaler.
    
   Are you having trouble logging in?
   Email equitablelifemarketing@equitable.ca for assistance.
    
   
    
   *Please select the course with “QC credits” in the title for La Chambre credits.
   ^® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada.
    
8. Free Webinar: A better employee health benefits solution for small business clients Join us on Tuesday, May 28, 2024 at 1 p.m. ET for a free webinar about Equitable EZBenefits™ – our new employee health benefits solution designed for small business clients.
   
   If you serve small business owners, chances are they’re looking for a group benefits solution that’s affordable, sustainable and easy to manage. That’s why we created EZBenefits for businesses with between 2 and 25 employees.
    
   You’ll learn about:
   ● The range of plan design options we’ve created to fit various needs and budgets;
   ● The streamlined process we’ve designed to optimize your time and provide you and your clients with rapid quotes, hassle-free plan implementation and easy renewals;
   ● Our dedicated Advisor Concierge Service – your go-to resource for EZBenefits support;
   ● The health and wellness services that are embedded with EZBenefits, including Virtual Health and an Employee and Family Assistance Program; and
   ● The built-in HR support through Equitable’s partnership with HRdownloads®, including access to HR technology, content and training.
   
   Register to attend the EZBenefits webinar
   
   This webinar will be delivered using Microsoft Teams and will include a Q&A component. If you wish to submit a question using the Q&A feature, please follow these instructions when you join the webinar:
   ● Join using the Microsoft Teams app. If you do not have Microsoft Teams, you can download it for free here.
   ● If you prefer to join via web browser without installing Microsoft Teams, please use Google Chrome or Microsoft Edge. Other browsers do not support the Q&A feature.
9. Make your next audit a breeze

   New – Online CE Course: Ensuring a Compliant, Needs-based Insurance sale

   
   When regulators and auditors come knocking on your door, make sure you are prepared. Well documented, needs-based sales evidence may help protect you and demonstrate that you were acting in your clients’ interest. 
   
   Make your next audit a breeze with the tips you will learn in this course and earn CE credits at the same time (AIC, Advocis and ICM credits available only). 
   
   “The Approach” to supporting suitable, needs-based sales
    
   The CLHIA recommends six supporting elements to make a suitable, needs-based sale. Equitable^® created this reference presentation, “Ensuring a Compliant, Needs-based Insurance Sale” that leverages The Approach to explain the requirements for each step, along with the documentation to retain in the client file.
   
   Get started now
   
   A few important notes:
   ● This program is hosted on Teachable: https://equitable-life-education.teachable.com/ 
   ● Username: Please use your email that you are contracted with.
   ● Password: Equitable
   ● Please use Google Chrome to access the courses.
   
   
   
   Looking for more CE accredited training courses?
   
   Check out our new individual insurance online learning centre on EquiNet^® to stay up to date on new courses and find out more information on the topics provided. 
   
   Questions?
   Contact your local wholesaler.
   
   Are you having trouble logging in?
   Email equitablelifemarketing@equitable.ca for assistance.
   
    
10. Equitable Sales Illustration System User Tips