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  1. Short-term disability coverage for plan members in quarantine or self-isolation*

    Please note: This announcement applies only to groups with short-term disability coverage through Equitable Life

    With the spread of COVID-19, many people have been instructed to self-isolate or quarantine themselves or are doing so voluntarily. We realize this is a stressful situation for people and they may be wondering if they are eligible for disability benefits. Short-term disability is designed to replace a plan member’s earnings if they are unable to work due to illness and injury.  As a result, only plan members who meet the following criteria are eligible for benefits:

    • Plan members who have tested positive for COVID-19 and are unable to work from home are eligible for coverage from Day 1 of their self-isolation period.
    • Plan members who have not been tested but have symptoms consistent with COVID-19 and are unable to work from home, are eligible for coverage. Claims will be assessed according to the terms of the plan.

    Plan members who are in quarantine for any other reason, but do not have symptoms consistent with COVID-19, are not eligible for coverage. These plan members should consider applying for Employment Insurance (EI) benefits, if they do not have an option to work from home.

    Submitting COVID-19-related STD claims

    To make things easier for plan members who need to submit claims related to COVID-19, we will not require a physician’s statement. Instead plan members should submit our simplified Short Term Disability Plan Member COVID-19 Claim Form.

    Plan Administrators need to complete their portion of the regular Short Term Disability Form (Form #421).

    This is a temporary process that will remain in effect through the current coronavirus situation. We will update on changes and share them on EquitableHealth.ca.

    Applying for the Employment Insurance sickness benefit

    Canadians quarantined due to COVID-19, who are not receiving Short Term Disability benefits, can apply for Employment Insurance (EI) sickness benefits. The one-week waiting period for EI sickness benefits has been waived. Service Canada’s dedicated toll-free support number is 1-833-381-2725 or (TTY) 1-800-529-3742.

    *Indicates content that will be shared with your clients

  2. This year’s Registered Retirement Savings Plan deadline is March 3, 2025.

    Have you talked to clients about their Registered Retirement Savings Plan (RRSP) contributions yet? Equitable® offers RRSP products to meet clients’ needs including:
    • Daily/Guaranteed Interest Account
    • Pivotal Select™ Segregated Funds
              • Investment Class (75/75)
              • Estate Class (75/100)
              • Protection Class (100/100)

    These products offer protection and flexibility that clients need, with the tax savings and benefits of a RRSP. Encourage clients to contribute to their RRSP early. And make RRSP contributions a financial priority each year!

    What’s new
    The Home Buyer’s Plan is offering temporary repayment relief for qualifying withdrawals from their RRSP. This means that clients can defer the start of the repayment period by an additional three years when they make a first qualifying withdrawal between January 1, 2022 and December 31, 2025. This means the 15-year repayment period would start in the fifth year after the year in which a first withdrawal was made. For example, if you made your first qualifying withdrawal in 2022, your first year of repayment will be 2027.1

    Tools and materials to help you start the conversation
    Often clients have good intentions about saving for retirement. However, even the best intentions need an action plan. As a trusted advisor, you can help clients see the value in making a RRSP a financial priority. We have tools and marketing materials to help you start the conversation. Show clients why an Equitable RRSP can help them to achieve their financial goals in retirement.

    Equitable’s advisor toolbox, available on EquiNet®, includes Product News, Prospecting Letters, Forms, Marketing Materials, Case Studies, Articles and Investment Calculators. 



    1 www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/what-home-buyers-plan/repay-funds-withdrawn-rrsp-s-under-home-buyers-plan.html
    ® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada.
    Posted February 7, 2025
     
  3. This year’s RSP deadline is March 2, 2026


    RRSP deposits to be considered for the 2025 tax year must be:
    • Dated March 2, 2026, or before
    • Must be submitted to Head Office in good order by March 6, 2026, by 4:00 p.m. ET

    RRSP applications to be considered for 2025 contribution year must be submitted in good order by:
    • March 2, 2026, 11:59 p.m. ET

    RRSP B2B Loans:
    • RRSP loan deposits must be received from B2B by March 13, 2026, by 4:00 p.m. ET
    Note: Transactions submitted after these dates will not receive a 2025 contribution receipt


    Please note that all requirements must be received in Head Office by the above dates to guarantee settlement for year end.

    Have you started talking to your clients about their Registered Retirement Savings Plan (RRSP) contributions yet? Equitable® has a range of RRSP solutions that can help meet their needs, including:

    Tools and materials to help you start the conversation
    Most clients genuinely want to save for retirement, but intentions alone aren’t enough—they need a plan. As their trusted advisor, you can help them understand why making their RRSP a priority is an important step toward long‑term financial security.

    To support those conversations
    Most clients genuinely want to save for retirement, but intentions alone aren’t enough—they need a plan. As their trusted advisor, you can help them understand why making their RRSP a priority is an important step toward long‑term financial security.

    To support those conversations, we’ve pulled together helpful tools and marketing materials that show how an Equitable RRSP can make a meaningful difference in reaching their retirement goals. Resources include: And don’t forget…

    From January 1 to March 2, 2026, when clients open or add money to an Equitable TFSA or RRSP, they’ll automatically be entered into Equitable’s Snowball Your Savings contest. Two lucky clients will win — and their advisors get to celebrate too!
  4. Total Cost Reporting: understanding what's coming next
  5. Marketing materials
  6. [pdf] Take emotions out of investing
  7. NEW Process for Applications for Term Conversion to Equimax with Excelerator Deposit Option (EDO) Great news! We are now allowing term conversions to Equimax with EDO with no additional underwriting provided the maximum net amount at risk (NAAR) for the new Equimax policy does not exceed the Term coverage amount being converted. 
     
    We have created an easy-to-use Excel worksheet (1616 worksheet) to help you confirm that the conversion to Equimax with EDO satisfies the NAAR requirement and will assist you with properly completing the Application for Term Conversion (Form 1616). This worksheet is only for use in situations where the term coverage is to be converted to Equimax with EDO and must be submitted along with the signed illustration and completed Application for Term Conversion. The maximum NAAR can be found on the Underwriting page of the illustration report.
     
    The signed Equimax illustration, application and term conversion worksheet should be sent to: inforcelifemail@equitable.ca.
     
    Resources can be found on Equinet:
  8. FasatWeb Upgrade Implementation At Equitable, we are making continuous improvements to our advisor services. We are excited to share some upcoming enhancements to FasatWeb—Equitable’s compensation inquiry system.
     
    What’s new?
    On January 20, 2024, Equitable is implementing changes to FasatWeb. These changes include:
    ● Single sign-on has been enabled. Once you log into EquiNet, you won’t have to log in again to access Compensation Inquiry.
    ● Compensation Inquiry (FasatWeb) can be accessed using MS Edge, Chrome, or Firefox. Compensation Inquiry will no longer run on Internet Explorer.
    ● Compensation Inquiry screens will now have a new look and feel.
    ● Two new features have been added to the Activity Analyser, as are highlighted in the image below:
    1. Advanced Export—an Advanced Export button has been added to the upper right side of the page, allowing you to export all query results.
    2. Column visibility—the new Column visibility tab allows you to choose which columns you’d like to display in your PDF or print request.




    FasatWeb-upgrade-EN.png
  9. EquiNet email verification starting October 21


    Starting October 21, 2023, advisors will be asked to verify or update the email we have on file when logging into EquiNet®.  The purpose of verifying your email address is to enable multi-factor authentication in the future and enhance advisor communications based on accurate email addresses.

    Instructions:

    1. Log into EquiNet with your username and password.

    2. You will be redirected to the "Verify Email" page. Choose to verify or update your email address.

    3. Check your email for the verification link.

    4. In the email select "Verify Email" within 24 hours of receiving the email.

    5. Once you have verified your email and are logged into EquiNet, you will return to the EquiNet home screen and a success message will display.

    6. You will receive a confirmation email that you have verified your email address.


     Thank you for your cooperation.

    ® denote trademarks of The Equitable Life Insurance Company of Canada.

    Posted October 4, 2023
  10. EZ Upload