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  1. [pdf] Why do business with Equitable
  2. Easier group enrolment and more group benefits updates

    Make enrolment easier for your clients with online plan member enrolment (OPME)

    Enrolling new plan members can be overwhelming – for both you, your clients and their employees. It’s time-consuming to manually load new members and challenging to ensure they complete the necessary paperwork before the enrolment deadline.

    Our Online Plan Member Enrolment (OPME) tool is available at no extra cost for all your Equitable Life clients and offers a more secure and efficient alternative to traditional paper enrolment. Using their computer or mobile device, employees can enrol in their benefits plan in just minutes.
     
    The user-friendly tool allows plan members to easily enter all their enrolment information, including:
    • Dependent details
    • Banking information for direct deposit of claim payments
    • Details for coordination of benefits
    • Beneficiary designation 
    The online enrolment tool can be used by both new groups and existing clients enrolling new plan members. The tool reduces errors and rework that can occur due to spelling mistakes or missing information on paper forms. 

    The days of chasing plan members for their paper enrolment forms are gone. Once plan administrators enter a few employee details, our system automatically sends an email to each plan member, inviting them to enrol in their benefits program. And there will be no need for your clients to send reminders or follow up with employees about their benefits enrolment. It’s all done automatically. 

    Support with using OPME

    To learn more about the benefits of using OPME, check out our Online Plan Member Enrolment Flyer. We also encourage you to share more information with your clients: We also have helpful reference guides for plan members, to help them use the tool:  To learn more about accessing OPME, your clients can contact their Equitable Life Client Relationship Specialist or myFlex Benefits Team for support.

    Help your clients spend less time administering group benefits. Contact your Group Account Executive or myFlex Sales Manager to learn more about our online plan member enrolment.
     

    Coming soon: A survey to help us serve your clients better*

    We are committed to providing your clients and their plan members with industry-leading service. We’ve introduced several enhancements over the past year to make it easier to do business with us. And we’re continually looking for ways to improve.
     
    This month, we will conduct a survey of your clients to help us understand how we can better serve them. Plan administrators will receive an email with a link to the survey, which will take between five and 10 minutes to complete. 

    Please encourage your clients to participate. Their feedback will be confidential, and their responses will help us improve our service and ensure we’re meeting their expectations. We will also allow them to provide their name so that we can follow up with them to address any concerns they’ve identified.
     
    We know your clients’ time is valuable. So, each plan administrator who completes the survey will be entered into a random draw for a chance to win one of 3 prepaid gift cards for $200.
     

    Improved mental assessment features for FeelingBetterNow®*

    Mensante has enhanced its FeelingBetterNow® online platform to make it easier for plan members to assess the state of their mental health and talk to their health care provider about treatment options. FeelingBetterNow is part of our Equitable HealthConnector suite of wellness solutions and is available for an additional cost. It can help plan members easily identify if they are at risk for a number of common mental health issues, including depression, anxiety and substance abuse.  

    Upgrades to the platform include:

    • New features to help plan members better gauge their progress in the assessment.
    • A printable Action Plan that plan members can share with their health care provider to initiate conversations about managing their mental health challenges.
    • A new “follow-up” module to help plan members assess the care they’ve received from their health care provider and identify care gaps.
    • An Assessment Outcome Page, which allows plan members to view their diagnostic risks across mental health disorders for a more holistic picture of their health.
    To learn more about how FeelingBetterNow can help your clients’ plan members take charge of their mental health, view our overview or contact your Group Account Executive or myFlex Sales Manager. 
     

    Over-age dependants losing coverage?*

    Your clients’ plan members may have dependants approaching the maximum age for eligibility under their group benefits plan. If so, members should be aware of their options for dependant coverage. 

    Coverage for full-time students and dependants with disabilities

    The dependants of your clients’ plan members may be eligible to continue their coverage under the current plan if: 
    • The dependant is attending a post-secondary school full-time; or
    • The dependant is disabled. 
    In either case, the plan member can complete the Application for Coverage of Dependent Child Over Age 21 (Form #441) and submit it through our online document submission tool. The tool is available under My Resources in the plan member’s Group Benefits account at EquitableHealth.ca.  

    Coverage2go for over-age dependants

    Dependants who aren’t eligible for continued coverage under the plan can apply for Coverage2go®, a month-to-month health and dental plan for individuals losing their group coverage.**

    Coverage2go is affordable, reliable and allows the over-age dependants to choose the level of coverage and protection that suits their personal situation. With no medical questions required as long as they apply within 60 days of losing their coverage, your clients’ plan members can ensure that their over-age dependants have the coverage they need.

    Plan members can receive a quote within minutes. Please direct your clients to Coverage2go on Equitable.ca to learn more.  
     
    **Quebec residents are not eligible for Coverage2go.

    Forfeiture reports for HCSAs and TSAs on EquitableHealth.ca*

    As a reminder, your clients can access forfeiture reports for their Health Care Spending Account (HCSA) and Taxable Spending Account (TSA) usage on EquitableHealth.ca.  

    HCSA summary by plan member

    HCSA summary reports provide an overview of each plan member’s account activity and balances. These reports include the total amounts allocated, the amount claimed to date, the net balance, and the amount of funds that will be forfeited based on claims paid to date. Please note that plan members’ claim submissions will remain confidential and will not be viewable by the employer on this summary.

    Your clients can provide each plan member with their HCSA summary, if they wish.  

    HCSA account forfeiture by plan member

    HCSA forfeiture reports detail the amount that each member will forfeit if they do not use it. The amount is based on claims that have been paid to date within the benefit year period.  

    HCSA account totals by plan member

    Your clients may wish to access the HCSA account totals reports, which reflect the information in each plan member’s HCSA summary report. For terminated employees, the Funds Available field will display as zero, regardless of the balance in the account when terminated. 

    At least three months before the end of the benefits period, your clients should remind their members to use their allocated HCSA and TSA amounts.

    If your clients need help accessing these reports, they can reach out to their Regional Office Service team for assistance.

    * Indicates content that will be shared with your clients.



     
  3. [pdf] Change of Sales Charge Option (Pivotal Select)
  4. Sample portfolios
  5. March 2026 eNews

    In this issue:

    Equitable is adding nutrition app to all group benefits plans*
    Coming soon: One-time passcodes will be added to account login process*
    Standardized CLHIA disability form is now part of our disability claims submission package*
    Reminder: Review manual allocations for HCSAs and/or TSAs*
    Protecting clients’ plans from benefits fraud*

    *Indicates content that will be shared with your clients.
     

    Equitable is adding nutrition app to all group benefits plans

     

    Equitable is making healthy eating easier and more accessible for all group benefits plan members. Beginning in April, access to the RxFood mobile app will be added to every Equitable group benefits plan—at no extra cost.

     

    This will put personalized nutrition insights, practical tips and tailored recommendations at every plan member’s fingertips—helping them make more informed food choices that can either help prevent or manage chronic conditions, such as diabetes, high cholesterol and heart disease.

     

    What is RxFood?

     

    RxFood is Canada’s first clinically validated nutrition platform that’s used and trusted by leading health care institutions across the country, including SickKids Hospital, Diabetes Canada, Children’s Hospital of Eastern Ontario (CHEO) and more, to support better health outcomes through nutrition.

     

    While we can track many aspects of our daily health—steps, heart rate, sleep, and blood sugar—food is often overlooked. RxFood helps close that gap by using technology that’s powered by artificial intelligence (AI) to turn everyday meals into meaningful health insights.

     

    How it works

     

    A plan member takes photos of their meals with their smartphone. RxFood will analyze what's on their plate, from nutritional quality to portion sizes, then provide personalized feedback, easy-to-follow suggestions and recipes with ingredient options tailored to their budget.

     

    After a few days of logging, they’ll receive a comprehensive nutrition summary showing how their eating patterns align with their personal health goals, and where to go from there.

     

    Check out the following video to learn more about RxFood— and how Equitable is putting the power to eat healthy in the hands of plan members.

    RxFood access for all plan members
     

    Coming soon: One-time passcodes will be added to account login process

     

    This spring, Equitable will launch a new multi-factor authentication (MFA) security measure to further enhance our digital security. When our new feature takes effect, anyone logging in to EquitableHealth.ca® and the Equitable EZClaim® mobile app with an email address and password may be required to enter a one-time passcode they receive via email. This will further safeguard their account access and personal data.

     

    Keep it simple – create a passkey

     

    If you don’t want to enter a one-time passcode when logging into your account, you can skip this extra step all together by creating a passkey on your mobile device or computer.

     

    Passkeys are safe and provide a quicker, easier way to log in while also enhancing account security. They use either biometrics–your face or fingerprint–or a PIN authenticator to confirm your identity.

     

    If you create and use a passkey to log in, you won’t need to enter a one-time passcode.

    Learn more about passkeys. The set-up process is simple. The two videos below guide you through creating a passkey on both your mobile device and computer.

     

    Client and plan member communications

     

    We will share this information with clients and group benefits plan members before we introduce our new security measure. Please reach out to your Group Account Executive if you have any questions.

     
    Using passkey for Equitable EZClaim mobile
    Creating a desktop passkey
    If you use the same email address to log in to your accounts on EquitableHealth.ca, EquiNet® and Equitable Client Access®, you can use the same passkey. Equitable Client Access is our secure site for Individual Insurance and Individual Wealth clients.
     


    Standardized  CLHIA disability form is now part of our disability claims submission package

     

    Clients with employees who are submitting short-term or long-term disability claims should be aware that we’ve changed one of the required forms in our disability claim submission package.

     

    The Canadian Life and Health Insurance Association’s (CLHIA) Initial Disability Insurance Medical Statement has replaced our Attending Physician’s Statement (APS) form.


    Our disability claim application packages on Equitable.ca and EquitableHealth.ca now include the CLHIA standardized form instead of our APS form. Our old form is no longer available on our websites.


    We will continue accepting our previous APS form for initiating disability claims for now. However, we’re encouraging clients to begin using the standardized form as soon as possible. Using a standardized form for disability claims across the group insurance industry helps reduce the administrative burden on physicians by simplifying the disability application process.


    If you have any questions, please contact your Group Account Executive.


    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.

    Plan administrators can update these amounts on EquitableHealth.ca. Here are the steps:
    • 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
    Plan administrators who have reporting capability can determine which plan members have a zero allocation by running the HCSA Totals by Plan Member report online. Here are the steps:
    • Select Reports
    • Select New
    • Select Next
    • Select HCSA or TSA Totals by Plan Member
    • Select Next
    • Enter end date of 12/31/2026
    • Select Next
    • Select Finish
    • View Report
    Your clients can also contact us at GroupBenefitsAdmin@equitable.ca for help with updating the amounts.
     

    Protecting clients’ plans from benefits fraud


    March is Fraud Prevention month – the perfect time for clients to educate their plan members on the consequences of benefits fraud.

    According to the Canadian Life and Health Insurance Association (CLHIA), benefits fraud costs millions each year and can contribute to higher premiums for plan sponsors.

    These resources can help clients and plan members prevent benefits fraud:  

    How we protect against benefits fraud


    Our Investigative Claims Unit (ICU) uses a range of techniques, including CLHIA‑led tools, to detect and prevent benefits fraud: 
    • Joint Provider Fraud Investigation Program: Allows insurers to collaborate on fraud investigations that affect multiple insurers.
    • Data Pooling Program: Pools data between insurers and uses advanced artificial intelligence (AI) to further identify and reduce benefits fraud.
    • Provider Alert Registry: Allows insurers to view the results of other insurers’ anti-fraud investigations into specific practitioners. 

    To learn more, contact your Group Account Executive.
  6. [pdf] Application for Fundserv Contract (segregated funds only) - Dealer and Advisor
  7. [pdf] Replacement requirements by province
  8. [pdf] Do you know Alyssa
  9. About
  10. Equitable Life Group Benefits Bulletin - September 2020

    In this issue:

    Enhancements to Equitable EZClaim Mobile
    New reports available on EquitableHealth.ca

    * Indicates content that will be shared with your clients.

    Enhancements to Equitable EZClaim® Mobile*

    We’ve updated our Equitable EZClaim mobile app to process vision claims faster, to provide a new option for submitting documents and to increase password security.

    Faster vision claims processing and payment

    Equitable Life now provides faster processing of vision claims submitted via EZClaim Mobile.

    This means plan members can find out the status of their vision claim almost instantaneously. And, for approved claims, they will receive payment even sooner – often in as little as 24 hours.

    In order to allow for instant processing and faster payment, plan members will be prompted to enter some additional information, including their practitioner’s name, the date of the expense, the type of expense and amount of the expense when submitting their claims for these services.

    Equitable Life plan members can submit all vision claims via Equitable EZClaim, including coordination of benefits and Health Care Spending Account claims.

    Submit documents from a mobile device

    We have added our Document Submission tool to EZClaim Mobile so plan members can conveniently submit documents directly from their mobile device. Applications, change forms, statement of health forms and more can all be easily uploaded whenever and wherever they are.

    Improved security with stronger passwords

    To help you, your clients and plan members better protect personal information, we have increased the maximum length of passwords for both EZClaim Online and EZClaim Mobile from 12 to 32 characters. This longer character limit makes it easier to create stronger and more secure passwords.

    There is no change for plan members, plan administrators or advisors. All existing passwords will continue to function. However, if you choose to update your password you will now be able to choose longer passwords or passphrases.

    Why should I change my password?

    Changing your password frequently helps keep your information safe. The longer and more random the password, the more secure it is. To improve security even more, a passphrase is recommended.

    A passphrase is a series of words or other text used like a password. Because it is much longer, a passphrase is more secure. Although the words in the phrase may be meaningful to you and easy to remember, they can be random enough that the full phrase is difficult for someone else to guess. It’s even better if you use numbers or other characters in your passphrase.

    Your passphrase should be:

    • Long enough to be hard to guess;
    • Not a famous quotation;
    • Easy to remember and type; and
    • Not used in multiple places.

    To change your password:

    1. Log in to EquitableHealth.ca
    2. Click on My Information > User Profile
    3. Click Edit
    4. Confirm your information and enter your new password
    5. Click Save

    We will be announcing this enhancement to plan members on EquitableHealth.ca.

    New reports available on EquitableHealth.ca*

    Plan administrators and advisors with reporting access can now download three additional reports any time via the plan administrator and advisor websites on EquitableHealth.ca:

    • Premium and Tax – This report provides a breakdown of premiums and taxes paid per plan member for any specific time period for all applicable benefits.
    • Occupation and Earnings – This report provides current plan member earnings and occupation information and gives plan administrators an efficient way to report updates to us.
    • Employee listing – This report lists all plan members’ information, including name, certificate number, date of birth, province, occupation and salary, as well as benefit coverage currently in place and HCSA allocations.

    These reports can be downloaded in Excel format for easy updating, filtering or sorting.

    For more information, please contact your Client Relationship Specialist.

     

    *Indicates content that will be shared with your clients