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1. [pdf] Underwriting cover letter template
2. [pdf] Pivotal Select Application - TFSA
3. [pdf] Pivotal Select Application - FHSA
4. [pdf] Payout Annuity Application
5. [pdf] UL Transfers & Allocations How To
6. October 2019 Advisor eNews

   Coverage of Remicade, Enbrel and Lantus in BC

   As we announced in August, BC PharmaCare recently introduced a new Biosimilars Initiative that ends coverage of three biologic drugs, including Remicade, Enbrel, and Lantus. These drugs will no longer be eligible in British Columbia for most conditions for which lower-cost biosimilar versions are available. Patients in the province with these conditions will be required to switch to biosimilar versions of these drugs by Nov. 25, 2019 in order to maintain their coverage under BC PharmaCare. Patients taking Remicade for Crohn's Disease or Ulcerative Colitis will not be required to switch to a biosimilar until March 6, 2020.
    
   Biologics are drugs that are engineered using living organisms, such as yeast and bacteria. Biosimilars are highly similar to the originator drugs they are based on and most have been shown to have no clinically meaningful differences in safety or efficacy.
    
   To ensure this provincial change doesn’t result in your clients’ plans paying additional drug costs, we have aligned our drug eligibility for these three biologic drugs with that of BC PharmaCare.
    
   As previously announced, effective Nov. 25, 2019, Remicade and Enbrel will no longer be eligible for BC plan members with conditions for which lower-cost biosimilar versions of the drugs are available. These plan members will be required to switch to the biosimilar versions of these drugs in order to maintain eligibility on the Equitable Life drug plan. We have communicated with Plan Administrators about this change, and we have informed affected claimants of the need to switch medications.  
    
   As well, effective Feb. 3, 2020, the drug ingredient cost for Lantus will no longer be eligible for BC plan members; only the dispensing fee may be eligible under their Equitable Life plan. Plan members taking Lantus will be required to switch to Basaglar, the lower-cost biosimilar version of the drug, in order to maintain coverage under their Equitable Life plan. We will be communicating with Lantus claimants in the coming weeks to allow them 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.

   De-listed service providers

   As part of our ongoing initiative to have Group Benefits plans only reimburse eligible claims, we conduct reviews of the billing and administrative practices of service providers, including clinics, facilities and medical suppliers.

   As a result of these reviews we may de-list certain providers.  We will no longer accept, or process claims for services and/or supplies obtained from those providers. The plan member can still choose to obtain services or supplies from these providers, but Equitable Life will not provide reimbursement for the claims.

   Review Equitable Life’s de-listed service providers

   The delisted service provider list is also posted on EquitableHealth.ca for plan members to review to determine if their claim(s) are eligible for reimbursement under their Group Benefits plan.

   For more information about protecting group benefits plans from abuse, check out our articles.

7. December 2023 eNews

   Insights on EZBenefits from our Executive Vice-President, Group Insurance

   
   When it comes to advising small business owners, it can be tough to find the right group benefits solution. Offering a competitive benefits plan is more important than ever to help small business owners attract and retain talent. They need an affordable solution that’s easy to implement, renew and maintain.
   
   That’s why we launched EZBenefits for small business earlier this year. It’s a unique group benefits solution designed with you and your small business clients in mind. 

   Marc Avaria, Executive Vice-President, Group Insurance, explains:

   Find out more

   Visit info.equitable.ca/EZBenefits for more details or to request a quote. If you have questions, contact your Equitable Group Account Executive.

   
   Supporting plan members through cold and flu season with Dialogue Virtual Healthcare*

   Now that cold and flu season is here, many Canadians will start calling in sick or missing work to visit their doctor – if they can get an appointment. Now’s the time to remind your clients that Equitable offers Dialogue Virtual Healthcare. It can be added to any Equitable plan for an additional cost.
   
   Eligible plan members and dependants receive fast, on-demand access to virtual primary medical care—24/7, 365 days a year. Available for a variety of non-urgent health concerns, Dialogue Virtual Healthcare can make it easier to navigate cold and flu season by providing:
   • Access to the largest, most experienced bilingual medical team in Canada,
   • In-app prescription renewals and refills,
   • Personalized follow-ups after each consultation, and
   • An all-in-one patient journey to address health issues. This reduces long waits and means less time away for doctor appointments.

   Benefits of Virtual Healthcare for plan sponsors

   When your clients provide Virtual Healthcare for their plan members, they can help:
   • Drive employee engagement;
   • Reduce absenteeism related to in-person medical appointments;
   • Manage chronic health issues;
   • Attract and retain top talent; and
   • Build a healthier workforce.

   Learn how it works

   Adding Dialogue Virtual Healthcare to your clients' plans

   To learn more about adding Virtual Healthcare to your clients’ benefits plans, contact your Group Account Executive or myFlex^® Account Executive. You can also share this resource from Dialogue on managing cold and flu season.

   
   Changes to Short-Term Disability benefits calculations*

   The Canada Employment Insurance Commission and Canada Revenue Agency have announced the 2024 changes to Maximum Insurable Earnings, and premiums for employment insurance. The following changes to Employment Insurance (EI) will take effect January 1, 2024:
   

   How does this affect your clients?

   To comply with client policy provisions, Equitable will revise Short-Term Disability (STD) benefits with the updated maximums based on the percentage of EI Maximum Weekly Insurance Earnings for policies that meet these conditions:

   • Policies that include a STD benefit that is tied to the EI Maximum Weekly Insurable Earnings, and
   • Policies with a classification of employees that has less than a $668 maximum.
   • The additional premium for any increase from their previous STD amounts and new STD amounts will be shown on your clients’ January 2024 Group Insurance Billings (as applicable). 

   If a client’s STD maximum is currently higher than $668 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 Issue and Special Projects.
   
   *Indicates content that will be shared with your clients. 
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