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Insights from a pandemic: COVID-19 and group benefits plans
We’ve received numerous questions about the impact of COVID-19 and what it will mean for benefits plans in the months ahead. Below is a summary of what we’re seeing so far. In the coming weeks, we’ll explore each of these topics in greater depth.
Disability
Initially, as COVID-19 started to spread, we saw STD claims ramp up quickly. Since then, we’ve seen the number of COVID-19-related STD claims slow significantly. As for LTD, we believe both the incidence and duration of those claims will increase in both the short term and medium term due to COVID-19.
Health and Dental Claims
We saw an overall spike in the volume and paid amounts for drug claims in March as plan members rushed to stock up on their medications. This was followed by a drop in April after most provinces put 30-day refill limits in place. One exception was claims for asthma drugs which surged in March but had no drop in April. Overall, the April plunge will be short-lived; drug costs have already begun to rise in May.
While paramedical and dental claims are down, we are seeing an increase in claims for virtual treatments and emergency dental services. We expect that claims will spike once the current pandemic restrictions are lifted. We’ve already started to see claims rise in provinces that are allowing health providers to re-open.
Despite the shift to more virtual services, we haven’t seen an increase in fraudulent activity. But we continue to be vigilant. Our investigative practices – verifying with the plan member that they received the treatment and have a valid receipt, and that the practitioner has treatment notes – remain the same whether treatment is provided in person or virtually.
Technology
During this time of physical distancing, people are looking for ways to interact with their providers virtually. Fortunately, our business model is almost entirely electronic, and we have several convenient digital options available for plan members and plan sponsors. Our focus in recent weeks has been to remind clients and plan members about these tools and make it as easy as possible for them to activate and use them. And we are continually adding functionality that will allow us to serve our customers even better.
Mental Health/Wellness
Usage of i-Volve, Homewood’s online cognitive behavioural therapy tool, increased significantly in March before levelling back down in April and May. And while EFAP cases fell in April and early-May, the number of cases has begun to climb in recent weeks, particularly for anxiety. In the coming weeks and months, we expect an eventual increase in marital and family issues, as well as depression. We’ve also seen an increase in mental-health-related prescriptions.
Plan Design
It’s too early to predict how the COVID-19 pandemic will impact benefits plan design and how it will change in the coming months. We would love to get your feedback and insights about how benefit plans will evolve and what new features or provisions they should include.
Please share your thoughts and suggestions with your Group Account Executive or myFlex Marketing Manager. Or, you can email your ideas to GroupCommunications@equitable.ca.
- Online CE Credit Courses
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2022 Holiday Hours
The Holiday season brings thoughts of gratitude, and there is no better time to express our thanks and sincere appreciation for your dedication and commitment to Equitable Life.
Thank you for your support this past year and for trusting Equitable Life with your Individual Insurance and Savings & Retirement business. Happy Holidays!
Customer Service Holiday Hours- Friday, December 23, 2022 - 8:30 a.m. – 7:30p.m. ET
- Monday, December 26, 2022 – CLOSED
- Tuesday, December 27, 2022 – CLOSED
- December 28, 29 and 30, 2022 - 8:30 a.m. – 7:30 p.m. ET
- We will continue to process business as usual on all regular business days up to year end.
- To settle on December 23, 2022, the transaction must be received that day by 11:00 a.m. ET
- To settle on December 30, 2022, the transaction must be received that day by 11:00 a.m. ET
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Kickoff 2022 Webcast
Equitable Life's Savings & Retirement team is hosting a digital fireside chat with members from the leadership team. Join us to hear Fabien Jeudy, President and Chief Executive Officer and Cam Crosbie, Vice-President, Savings and Retirement share their perspectives of the industry, their future vision for Equitable Life, and the Savings & Retirement division.
We will also hear from Tawnya Duxbury, Director, Savings & Retirement Operations and Projects as she shares how her operations team has equipped themselves to provide industry leading service.
Last but not least, we have invited guest speaker Larry Distillio, Assistant Vice-President Practice Management, Mackenzie Investments to discuss "Mastering your Mind to Increase your Bottom Line”. * Larry helps advisors learn how to avoid self-sabotaging behaviours such as procrastination, worry and avoidance while minimizing emotional stress. This is a session not to be missed.
Learn More
*We will be seeking Continuing Education credits for Larry Distillio's portion of this webcast. -
7% No Load CB5 Initial Commission - Limited Time Offer!
For a limited time only, Equitable Life® is pleased to announce an increase to the CB5 sales option initial commission from 5.6% to 7.0% on Pivotal Select™ segregated funds. The 7% initial commission is effective from May 20 to August 31, 2022 only.*
Equitable Life is committed to offering advisors and clients product, service, and feature choices that best suit their needs. We are pleased to offer multiple sales charge options, three distinct guarantee classes, and a diverse selection of investment funds to align with advisors’ and clients’ unique needs.
For more information, please contact your Equitable Life Regional Investment Sales Manager.
* Increased initial commission does not apply to pre-existing PADs. Equitable Life reserves the right to end the campaign, at any time and without notice.
** Applies to FundSERV trades occurring between May 20 and August 31, 2022. Initial commission on non-FundSERV trades occurring between May 20 to August 31, 2022 increases from 4% to 5%. Initial commission is subject to a chargeback.
™or ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
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Reminder: Review and Manage Key Notifications on EquiNet
Supporting your business as an Equitable Life advisor is our top priority and EquiNet is our top resource to help you manage important policy notifications. You should routinely review policy updates, schedules, statements, and notices and follow up with clients.
Some key notifications you will find on EquiNet include:
- Premium Renewal Notices (including for Term Riders on UL policies)
- Returned PAC (Pre-Authorized Chequing) Letters
- SROs (Special Reinstatement Offer)
- Lapse Notices
- APL Warning Letters
- FGIO Notices
- Tax Exempt Notices
A review of these and other available documents under the Document Lookup tool and following up with clients will help prevent situations of policy lapses and missed renewal notifications. These documents should be managed as part of providing ongoing, superior customer service to our clients. - [pdf] Online banking makes saving simple.
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Unique solution can help your business grow in the group benefits market
Are you ready to grow your business in the group benefits market? Then the Equitable EZBenefits™ experience should be on your radar.
Join our online session May 22, at 1 p.m. ET and learn why companies with two to 25 employees are choosing this unique solution. Reasons like affordability, sustainability, and how easy managing the plan is for their members and administrators.
We’ll also explore its features:• Plan design options for various needs and budgets• Embedded health and wellness services• Built-in HR support services• ‘EZ’ process for rapid quotes, hassle-free plan implementation and renewals• Dedicated advisor concierge service
A question-and-answer (Q&A) period will follow the presentation.
Register here to attend our session.
® and TM denote trademarks of The Equitable Life Insurance Company of Canada.
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Life insurance check-ins matter
Life can change
As an advisor, you know clients' lives—and their insurance needs—can change over time. Checking in with clients doesn’t have to be complicated. Even a quick insurance mention during regular financial discussions, like upcoming RRSP reviews, could reveal gaps and make sure their coverage still matches their situation.
Did you know?
• Over 50% of Canadian life insurance clients haven’t reviewed their coverage in the last two years.1
• Clients who have annual reviews with their advisor report greater satisfaction with both their policy and the service they receive.2
If you haven’t spoken with some of your clients lately, scheduling a quick life insurance review can help them feel more supported. It can also help strengthen your client relationships and help you grow your business.
1 LIMRA Canadian Life Insurance Consumer Study, 2024.
2 LIMRA Insurance Engagement Report, 2025.
- Canoe Financial