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1. Equitable Life Group Benefits Bulletin - September 2022

   Homewood Health launches Sentio, an upgraded iCBT platform

   Equitable Life’s mental health partner, Homewood Health, has launched Sentio, an upgraded platform for Internet-based cognitive behavioural therapy (iCBT). This self-directed platform is now available to all Equitable Life clients, and it replaces Homewood’s previous iCBT platform, i-Volve.
   
   Sentio Self-Directed iCBT is a comprehensive digital cognitive behavioural therapy platform. Developed by Homewood’s mental health experts, it is an action-oriented solution for plan members, giving them practical resources and activities to help with their depression, anxiety and overall mental health challenges.
    
   Available as a standalone app, on mobile, tablet and desktop, Sentio contains over 20 unique treatment goals for issues like stress management, improving sleep, managing depressive thoughts, and coping with panic. Users can work through treatment goals in any order, at their own pace. It also includes tools and resources to help plan members build skills and change their thought patterns. 

   Sentio iCBT benefits

   Sentio integrates seamlessly with Homewood Pathfinder so that users can easily locate and take advantage of the iCBT activities available. Sentio also includes a number of unique features:
   • More interactive features and activities to help plan members build valuable mental health skills
   • Integrated symptom measurement and progress tracking
   • Interactive multimedia learning and cognitive exercises to enhance learning
   • Progress, learnings, and exercises that have been accessed are available to be re-accessed for 12 months 
   Access to i-Volve will end 30 days after your clients received access to Sentio, but plan members can complete any in-progress sessions until then.
   
   Please contact your Group Account Executive or myFlex Sales Manager if you have any questions.
    

   Streamlining disability claims with Opifiny

    Equitable Life is partnering with Opifiny to provide a quicker and more seamless disability claims experience.
    
   Opifiny is an online platform that streamlines the disability claims process for consulting physicians, benefits plan sponsors, and disability plan members. Equitable Life will be using Opifiny for ongoing disability claims management, modernizing the process of gathering medical assessments and information.
    
   Disability claims frequently involve several instances of correspondence between Equitable Life and the plan member’s medical team. By using the secure platform, health care professionals can access, respond to and process medical insurance requests easily from any device. They can typically complete administrative tasks associated with disability claims in a quarter of the time. The platform is secure and protects the privacy of their patients’ confidential information.
    
   By digitizing and modernizing the claims management process for doctors, Equitable Life will have faster access to higher quality claims information. For some claims, using Opifiny may enable Equitable Life to help plan members safely return to work sooner.
    

   Reminder: Obtaining plan member signatures on all administration forms

   Please remind your clients that plan members must sign all administration forms, including enrolment forms, benefits change forms, and beneficiary designation forms. Once completed, a plan administrator can keep the form or send it to us. We are not able to accept a beneficiary designation that has not been signed by the plan member. Having appropriately signed forms helps to ensure that any life insurance claims are paid to the intended recipients.
   
   For your clients’ convenience, forms can be signed electronically using one of our approved vendors, which include DocuSign, BambooHR, Adobe Sign, and many more.
   
   If you have questions about providing signed forms, please contact your Group Account Executive or myFlex Sales Manager.
    

   Correction: Coverage for full-time students and dependents with disabilities

   In our August edition of eNews, we provided incorrect information about benefits coverage options for over-age dependents. We indicated that over-age dependents who are full-time students may continue to be eligible under the plan member’s benefits plan if they are studying in their home province. However, attending a post-secondary institution in their home province is not a requirement for continued eligibility. Dependents who are full-time students may continue to be eligible for coverage regardless of where in Canada they are attending post-secondary education.
   
   If your clients have any questions about extending coverage for over-age dependents that are full-time students, please notify them of this error.
    
   We apologize for any inconvenience or confusion this may have caused.
   
   
    
2. Tax impacts of the Canadian Dental Care Plan for your clients

   Tax impacts of the Canadian Dental Care Plan for your clients*

   
   Earlier this year, the government shared its progress on the Canadian Dental Care Plan (CDCP). 
   
   The CDCP will be available to Canadians with an annual family income of less than $90,000 who do not have dental benefits. Co-pays will be waived for eligible Canadians with a family income of less than $70,000. 
   
   Canadians who have access to private dental coverage are not eligible for the CDCP. This means that your clients must now report on T4s/T4As if dental coverage** was available on December 31 of the reporting tax year for:
   • Employees,
   • Employees’ spouses and/or dependents,
   • Former employees, and
   • Spouses of deceased employees.
   **Potential dental coverage includes Health Care Spending Accounts.
   
   This new tax reporting requirement is mandatory starting with the 2023 tax year. Employee tax slips will include new boxes for employers to complete:
   • Box 45 (T4): Employer Offered Dental Benefits. This new box will be mandatory.
   • Box 015 (T4A): Payer Offered Dental Benefits. This new box will be mandatory if plan sponsors report in Box 016, Pension or Superannuation. The box will otherwise be optional.
   Your clients should complete the boxes using the code system below. They should choose the appropriate code based on whether Dental coverage was available to the plan member – not whether the plan member has chosen to participate in the coverage.  For example, if a plan member has waived coverage or has chosen not to participate in the plan, they would still have access to coverage.
   • Code 1: The plan member has no access to dental care insurance or coverage of dental services of any kind.
   • Code 2: Only the plan member has access to any dental care insurance, or coverage of dental services of any kind.
   • Code 3: The plan member, their spouse and their dependents have access to any dental care insurance, or coverage of dental services of any kind. 
   • Code 4: Only the plan member and their spouse have access to any dental care insurance, or coverage of dental services of any kind. 
   • Code 5: Only the plan member and their dependents have access to any dental care insurance, or coverage of dental services of any kind. 
   Your clients can find further information about completing tax slips for employees on the Canada Revenue Agency’s website:
   • T4
   • T4A

   Reports for dependents

   We have a report available for plan members who have enrolled their dependents in benefits coverage. Your clients can contact their local service team representative to receive a copy of the report. We are working to make it available on our Advisor and PA websites.
    

   Questions

   For guidance on your tax slips and reporting obligations, please encourage your clients to contact their accountant, payroll provider or tax advisor.
    

   Supporting plan members affected by the Israeli-Palestinian conflict*

   
   Traumatic events continue to unfold in the Middle East. Enduring ongoing news of conflict and suffering could challenge many Canadians. During this difficult time, Equitable encourages affected clients and plan members to access the mental health support they need. 

   
   Support available to all Equitable plan members

   Large-scale traumatic news events can cause people to experience intense reactions. This puts a lot of strain on their mental health. Having coping mechanisms to deal with the current crisis can be a huge help. Any Equitable Life plan member who needs mental health support can visit Homeweb.ca/equitable to access online resources or contact Homewood at 1.888.707.2115.  
    

   Support available to plan members with the Homewood Health EFAP

   For your clients that have purchased Homewood Health’s Employee and Family Assistance Program (EFAP), remind them that their plan members also have access to confidential counselling services. The EFAP provides plan members with 24/7 access to confidential counselling through a national network of mental health professionals. Whether it’s face-to-face, by phone, email, chat or video, plan members and their dependent family members will receive appropriate, timely support for the issue they’re dealing with. 
     

   Questions? 

   If you need more information, contact your Group Account Executive or myFlex account executive.
   
   *Indicates content that will be shared with your clients. 
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