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1. [pdf] Payout Annuities Client Brochure
2. [pdf] Transfer Authorization
3. Policy endorsement: Long Term Disability pre-existing condition period

   We are updating our contracts to clarify how we handle the Long Term Disability (LTD) pre-existing condition period for employees returning from maternity or paternity leave.

   A new LTD pre-existing condition period will no longer apply when an employee re-enrols in the benefits plan after their maternity or paternity leave ends, provided that they return to work on the date agreed upon with their employer, or in the time period allowed by the Employment Insurance Act, whichever is earlier.

   To facilitate this change, we are amending some of the wording in our contracts and booklets, effective March 1, 2020. Below are links to the Endorsement to the Master Policy and the Summary of Master Booklet Wording Changes for this amendment. Please download and save these policy endorsement documents for your files.

   In addition, please remind your clients to provide all of their plan members with a copy of the Summary of Master Booklet Wording Changes.

   The next time your clients amend their benefits plan, the updated wording will be included in their group benefits plan booklets.
   
   Download Endorsement to the Master Policy
   Download Summary of Master Booklet Wording Changes

4. Extending Homeweb to plan members who are losing coverage

   We know these are difficult times for Canadian employers and their employees.

   As businesses temporarily suspend operations to help stop the spread of COVID-19, some employers have had to make the difficult decision to temporarily lay off employees or put their benefits coverage on hold.

   So we are pleased to announce that Homewood Health^® and Equitable Life^® will extend access to Homeweb, a personalized online mental health and wellness portal, for up to 120 days for plan members who have temporarily lost their benefits coverage due to COVID-19.

   Employees and their family members will continue to have access to the Homeweb website and mobile app, including:

   • iVolve, Homewood’s online self-directed Cognitive Behavioural Therapy treatment tool to help manage mild to moderate anxiety and depression;
   • Resources and information to support themselves and their family members through the COVID-19 pandemic;
   • An interactive online Health Risk Assessment to help identify and address health risks; and
   • An online library of interactive tools, assessments and 20 different e-courses that allow each user to learn at his/her own pace.

   This will allow businesses undergoing financial hardship to provide some support to employees who are temporarily without benefits coverage.

5. Redefine online surfing with Equitable Life

   
   Conquer the tailslide of RSP season with direct deposits to your client’s Equitable Life plan from a financial institution’s online banking.
   
   Learn more

6. New flexibility with Equitable’s Term Exchange option Great news! Equitable^® has just added our Term 30/65 plan as an option for term exchanges! This gives clients greater flexibility to choose a term plan that can adapt to their specific needs. 
   
   Clients can exchange their Equitable 10-year or 20-year term plans to a Term 30/65 plan as their financial needs change – without additional underwriting.
   
   What you need to know:
   
   •    A term plan that is a result of an exchange option cannot be exchanged again
   •    Exchange is available between the 1^st and 5^th coverage anniversary. 
        o    Only up to the insured’s 65^th birthday for exchange to T20
        o    Only up to the insured’s 55^th birthday for exchange to T30/65
   •    To request a term exchange, use the Term Exchange form.
   
   For additional information, refer to the Term Advisor Admin Guide on EquiNet^®,  or contact your Equitable wholesaler.
   
   ^® or ^TM denotes a trademark of The Equitable Life Insurance Company of Canada.
7. Update - Travel Assist Coverage*

   Last Friday, we announced that plan members with Travel Assist on their benefits plan will not be eligible for coverage if they departed the country after the Government of Canada issued its Global Travel Advisory.

   When the Government issued its advisory late Friday afternoon, we felt an obligation to let prospective travellers know as soon as possible so they could make informed choices about their travel. Since then, we have been made aware of a number of situations where plan members were unable to change their travel plans and need our continued support.

   To provide that support, we have revised our position. We will continue to cover plan members for all eligible emergency medical expenses, including those related to COVID-19, for trips outside Canada. Given the global situation is evolving quickly, we will continue to monitor developments and update you accordingly.

   In spite of this, we strongly urge your clients to advise their employees not to travel outside of the country at this time. The risk is high and the options for returning to Canada are becoming limited. Further, we urge your clients to advise their employees who are outside the country to return to Canada earlier than scheduled, if possible.

   If a plan member is currently travelling abroad and is experiencing symptoms or is hospitalized with suspicion of the coronavirus, they should contact Travel Assist at the numbers listed below for assistance and to confirm their coverage.

   • Toll-free Canada/USA: 1.800.321.9998
   • Global call collect: 519.742.3287
   • Allianz Global Assistance ID #9089

   We will continue to update you as the situation develops.

   We will update the announcement on our Plan Member website to reflect this change.

   We apologize for any confusion or inconvenience our earlier announcement may have caused.

   *Indicates content that will be shared with your clients

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