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Extending premium relief for Dental and Extended Health Care benefits
We know this is a challenging time for Canadian employers and we continue to look for ways to help your clients manage while still supporting their employees.
As many health practitioners continue to keep their offices closed due to the pandemic restrictions, plan member use of dental benefits and some health benefits remains lower than normal.
So, we are pleased to announce that we are extending premium relief for all Traditional and myFlex insured non-refund customers for Health and Dental benefits for the month of May, as follows:
- A 50% reduction on Dental premiums in all provinces except Saskatchewan, where a 25% reduction will apply due to the re-opening of dental clinics in early-May; and
- A 20% reduction on vision and extended healthcare rates (excluding prescription drugs) in all provinces, which equates to an 8% reduction on Health premiums.
These reductions are effective for May 2020 and will appear as a credit against the next available billing. We will assess the situation monthly and expect to continue with monthly refunds for as long as the current crisis period continues. The size of the credit may change over time as dentists and other health practitioners gradually reopen their offices. We will confirm premium credits for June (if any) at a later date. Credits for subsequent months will be communicated on a month-by-month basis.
In order to be eligible for the monthly credit calculation and payout, a policy must be in force on the first of the month and remain in force thereafter. The monthly credit calculation is based on employees in force on the May bill. If employees experienced layoffs during the month, that would not affect eligibility for a premium credit as long as the benefit itself is not terminated.
We expect that claims experience and premiums will return to normal once the current pandemic restrictions are lifted.
In the meantime, plan members will continue to have full access to their benefits coverage throughout the pandemic. In many cases, dental offices remain open for emergency services, and a variety of healthcare providers are available virtually.
Commissions
We know the pandemic has put financial strain on your business as well, so we will continue to pay full compensation. Although your overall commission will be unaffected by these premium reduction adjustments, you may see a temporary reduction in your commission payments if you are on a pay-as-earned basis. We will begin to process the commission top-up payments in mid-June and will reflect both April and May premium credits.
Communication
We will be communicating this premium relief program to your clients later this week.
Questions?
If you have any questions, please contact your Group Account Executive or myFlex Sales Manager. In the meantime, we have provided some Questions and Answers below. You can also refer to our online COVID-19 Group Benefits FAQ.
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Meghan Vallis named head of distribution for myFlex Benefits and other group benefits updates
Meghan Vallis named head of distribution for myFlex Benefits
We are pleased to announce that Meghan Vallis, our Group Sales Vice President for Western Canada, will head national distribution for myFlex Benefits in addition to her existing responsibilities.
As part of her expanded role, Meghan will lead the myFlex Benefits sales team and develop and implement strategies to achieve the growth of this offering. Meghan and the myFlex team will continue to focus on delivering market leading services for our clients and advisors.
Meghan joined Equitable Life in 2020 and brings more than 15 years of experience in the group benefits industry to her expanded role. She is passionate about helping Advisors succeed to transform their clients' employee benefit experience.
myFlex Benefits is one of the most unique and versatile benefits solutions for small businesses in Canada. It is fully pooled, includes a two-year renewal and features a user-friendly portal for plan members to make their benefit selections. And it’s simple to use: Plan sponsors set a budget and choose from a selection of benefit options. Plan members then use flex dollars to select from the options offered by their employer. Any leftover flex dollars are saved in a health care spending account (HCSA).
If you have any questions or are interested in learning more about myFlex Benefits, please contact your Group Account Executive or myFlex Sales Manager.Changes to Short Term Disability (STD) benefit calculations for 2023*
The Canada Employment Insurance Commission and Canada Revenue Agency have announced the 2023 changes to Maximum Insurable Earnings and premiums for employment insurance.
The following changes to Employment Insurance (EI) will come into effect on Jan. 1, 2023:
How does this affect your clients?
Your clients’ STD benefit will be revised with the updated maximums based on the percentage of EI Maximum Weekly Insurable Earnings shown in their policy if:- Their Equitable Life Group Policy includes an STD benefit that is tied to the EI Maximum Weekly Insurable Earnings, and
- At least one classification of employees has a maximum of less than $650.
If their STD maximum is currently higher than $650 or based on a flat amount instead of 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 if they have questions about the process, they can email Kari Gough, Manager, Group Issue and Special Projects.Coming soon: Survey for Plan Administrators with recent disability claims*
We’ve enhanced our communication processes to help your clients with disability plans manage their workplace absences more effectively. In early December, we will distribute a short survey to plan administrators who may have submitted an approved disability claim in the past six months. The survey will ask recipients about their satisfaction with the frequency and detail of our disability management communications.
The email will come from GBClientFeedback@equitable.ca, and the survey will remain open until the end of the day on December 16, 2022. All responses will be confidential. We plan to use the feedback to help ensure that we’re meeting your clients’ expectations and delivering industry-leading service.
We may also follow up with survey respondents directly, to address any concerns they’ve identified.
* Indicates content that will be shared with your clients. - [pdf] Choosing the right account type
- [pdf] Homewood Health Online
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Policy change begins eDelivery of contracts and documentation
Effective February 16, requested contract changes for inforce Life policies will be completed as per our usual process. However, the contracts and documentation will now be sent out electronically.
We are leveraging the same electronic delivery solution as the New Business process currently in place. An acknowledgement or e-signature will be required to electronically complete the requested change.
Advisors/MGA and Policy Owners will receive an e-mail notification when review, acceptance or eSignature are required.
Looking for more information?
Additional details regarding the process can be found here and in the FAQ.
Please contact your Regional Sales Manager if you have any questions. -
EZcomplete no longer accessible on Internet Explorer
On February 25, 2021, Equitable Life’s® EZcomplete® e-signature capability, OneSpan, will no longer be accessible using Internet Explorer (IE) browser. This means that advisors and clients should default their browsers to Google Chrome, Firefox, Edge, or Safari.
If clients try to e-sign the application in IE, they will be redirected to an error page. Advisors will receive a warning. The warning will confirm that IE is no longer supported. To ensure a smooth EZcomplete experience, advisors should consider changing their browser default.
If you have any questions about this change, contact your Regional Investment Sales Manager or Life Regional Sales Manager.
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Tune in to our latest Equitable Insights Videos on EquiNet
Our new Equitable Insights Video Series page on EquiNet® hosts all of our latest videos in one convenient place, including:
● Our Large Case Experts, featuring Scott Morrow, Individual Insurance Sales Vice President, MGA East, Equitable Life
● EZcomplete Makes Submission to Commission Easy, featuring Chris Marrese, Individual Operations Vice-President, Equitable Life
● Our Investment Approach featuring David Irwin, Director, Portfolio Management and Client relations
● Our Financial Strength, featuring Sheila Hart, Chief Financial Officer, Equitable Life
Watch our Equitable Insights Video Series to learn more about Equitable Life and the solutions we offer to meet our customers’ needs. -
Exciting new product changes are coming your way!
Equitable Life® has exciting product enhancements that will help you offer more choices for clients in 2022.
Changes to our whole life and critical illness insurance products effective February 12, 2022, include:
• NEW! 10 pay premium option with Equimax Estate Builder®
• NEW! EquiLiving® plans and riders enhanced
EZcomplete and paper applications will be updated on February 12, 2022
Transition rules are available.
Watch for more information including the virtual product launch event.
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Critical Illness Path to Success Program
This program was designed with you, the Advisor, in mind.
Path to Success: Expert Advice on navigating CI Sales provides you with actionable ideas and scripts that you can implement immediately into your critical illness insurance meetings. CE Credits are available if you review the program in its entirety and complete the quizzes at the end of each section.
View the pdf with details about the CI Path to Success Program.
Watch details about the CI Path to Success Program here.
Next steps:
If you have any questions or are interested in getting access to this program, please reach out to your Regional Sales Manager directly. -
Equitable Life of Canada Webcast Series Featuring Invesco Canada
Equitable Life® continues to spotlight various aspects of our competitive fund lineup and product offerings. This series gives advisors an opportunity to:
- learn more about products and product features,
- hear from industry professionals,
- learn about investment strategies; and so much more.
In this webcast, we welcome
Join us to learn the reasons for the growth in ESG, how the following funds are managed and how they can be positioned in a client’s portfolio.- Equitable Life S&P/TSX Composite ESG Index Fund Select
- Equitable Life S&P 500 ESG Index Fund Select
- Equitable Life NASDAQ 100 ESG Index Fund Select
Learn more