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  1. Equitable Life Group Benefits Bulletin – October 2020

    In this issue:

    • Group benefits enrolment just got a lot easier*
    • Critical Illness added to myFlex Benefits® selection tool**
    • ASO dental available down to 3 lives
    • QDIPC updates terms and conditions for 2021*

    *Indicates content that will be shared with your clients
    **Indicates content that will be shared with myFlex Benefits groups only

    Group benefits enrolment just got a lot easier*

    Our Online Plan Member Enrolment tool now makes it simple to add new employees to the benefits plan.

    Enrolling new plan members can be overwhelming – for both you, your clients and their employees. It’s challenging to ensure plan members complete the necessary paperwork before the enrolment deadline, and time consuming to manually load new members.

    That’s why we’re updating our plan member enrolment experience. Beginning November 2nd, 2020, all Equitable Life groups will be able to easily enrol new employees in the benefits plan with our Online Plan Member Enrolment Tool.

    Benefits of Online Plan Member Enrolment

    Our Online Plan Member Enrolment tool offers a more secure and efficient option to traditional paper enrolment. Employees are able to enrol in their benefits plan in just minutes from their computer or mobile device.

    The user-friendly interface was built with the plan member in mind. They can easily enter all their enrolment information, including dependent details, banking information for direct deposit of claim payments and details for coordination of benefits. They can even designate their beneficiary electronically.

    The online enrolment tool also lessens the effort for plan administrators to onboard new hires. The tool reduces errors and rework that can occur due to spelling mistakes or missing information on paper forms. And the days of chasing plan members for their paper enrolment forms are gone. Once they enter a few employee details, our system will automatically send out an email to each plan member, inviting them to enrol in their benefits program. And there will be no need to send reminders or follow up with employees about their benefits enrolment. It’s all done automatically.

    Online plan member enrolment is available to all traditional and myFlex Benefits plan administrators with update access beginning November 2nd, 2020. Plan administrators just choose “New” from the “Certificate” view in EquitableHealth.ca to get started.

    This enhancement is for plan administrators who have update access on EquitableHealth.ca. If your clients are not sure if they have update access, they can contact their Equitable Life Client Relationship Specialist or myFlex Benefits Team for support.

    Learn More

    We’ve created Online Plan Member Enrolment User Guides to support your clients and their plan members with this new tool:

    We’re also offering a series of webinars to help your clients learn about Online Plan Member Enrolment. Plan administrators will receive an invitation with links to register for the time that best suits their schedule.

    Help your clients spend less time administering group benefits. Contact your Group Account Executive or myFlex Sales Manager to learn more about our enhanced online plan member enrolment.

    Critical Illness added to myFlex Benefits selection tool*

    For many employers, mandatory Critical Illness (CI) coverage is an important part of their group benefits package. It provides proactive protection against life-altering illness, helping give plan members and their families a sense of security.

    While CI is available on myFlex Benefits plans, it was not built into our benefits selection tool since there is no action required by the plan member.

    Beginning November 2nd, 2020, we are adding a CI page to the myFlex Benefits selection tool that appears when this coverage is included as part of the plan. There are no options to choose – plan members simply review their CI coverage and carry on with the benefits selection process. It keeps the process smooth, while ensuring plan members fully appreciate their employer’s contributions.

    Adding CI to the benefits selection tool also simplifies the budgeting process for employers. Now that CI is included in the selection tool, employers no longer need to break out the amount billed for CI from their contribution per employee when loading flex allocations.

    To learn more about our myFlex Benefits selection tool or Critical Illness coverage for myFlex Benefits, contact your myFlex Sales Manager.

    ASO dental available down to 3 lives

    Beginning November 2nd, 2020, groups with as few as three full-time employees will be able to self-insure their Equitable Life dental benefits with an Administrative Services Only (ASO) funding arrangement.

    Currently, dental benefits are only available on an ASO basis for groups with 20 lives or more.

    In an ASO arrangement, Equitable Life administers the benefits plan but does not insure it. The plan sponsor pays for all eligible claims, as well as the expenses of administering the plan.

    Why ASO?

    Choosing an ASO funding arrangement allows plan sponsors to save on premiums. With a traditional insured funding arrangement, a portion of every premium dollar includes a charge for the risk that the insurer is assuming to cover the claims.

    With an ASO arrangement, the plan sponsor assumes all risk, so they avoid the risk charge. And since dental claims are usually more predictable than other benefits, there is typically less risk involved in covering those claims.

    For more information, contact your Group Account Executive or myFlex Sales Manager.

    QDIPC updates terms and conditions for 2021*

    Every year, the Quebec Drug Insurance Pooling Corporation (QDIPC) reviews the terms and conditions for the high-cost pooling system in the province. Based on its latest review, QDIPC is revising its pooling levels and fees for 2021 to reflect trends in the volume of claims submitted to the pool, particularly catastrophic claims.

    Size of group (# of certificates) Threshold per certificate 2021 Annual factor (without dependents) Annual factor (with dependents)
    Fewer than 25 $8,000 $251.00 $691.00
    25 - 49 $16,500 $165.00 $455.00
    50 - 124 $32,500 $94.00 $258.00
    125 - 249 $47,500 $68.00 $187.00
    250 - 499 $72,000 $49.00 $135.00
    500 - 999 $95,000 $40.00 $111.00
    1,000 - 3,999 $120,000 $35.00 $95.00
    4,000 - 5,999 $300,000 $16.00 $44.00
    6,000 and over Free market - Groups not subject to Quebec Industry Pooling Free market - Groups not subject to Quebec Industry Pooling Free market - Groups not subject to Quebec Industry Pooling

    We will apply the new pooling levels and fees to future renewal calculations that involve Quebec plan members.

  2. [pdf] A better approach to drug plan management
  3. Two options for supporting plan members during the pandemic

    We know these are difficult times. In addition to concerns about their health and the health of their family, working Canadians are worried about their jobs and their finances. Fortunately, through our partnership with Homewood Health®, we have two options for employers to support their employees through this crisis.

    Below is an overview to refer to when you're meeting with your clients. Or you can download this PDF version.

    Homewood Online (Homeweb)

    All Equitable Life® clients and their plan members have access to Homeweb, a personalized online mental health and wellness portal. Accessible via the web or mobile app, Homeweb includes an online library of interactive tools, assessments, e-courses and resources to support plan members through the pandemic.

    Homewood Health Employee and Family Assistance Program (EFAP)

    Employers can provide additional support by adding the Homewood Health EFAP. In addition to full access to Homeweb, it offers confidential short-term counselling through a national network of mental health professionals, plus other resources and tools.

    To make it easier to understand the options, here’s a detailed summary of what’s included with each:

    Service Description Homeweb EFAP
    Homeweb.ca A secure and personalized online portal that includes hundreds of articles and resources, including e-books, toolkits, self-assessments, podcasts and more.
    Homeweb Mobile App One of Canada’s newest EFAP mobile apps that allows users to access every one of Homewood’s online tools and resources wherever they are.
    i-Volve Cognitive Behavioural Therapy Tool An online self-directed treatment tool that helps coach plan members to identify, challenge and overcome anxious thoughts, behaviours and emotions.
    Online Health Risk Assessment An online tool that helps plan members identify and address their health and wellness risks and barriers.
    Short-Term Counselling Short-term counselling provided face-to-face, by phone, email, chat or video through a national network of counsellors and clinical professionals.  
    Life Smart Coaching A suite of telephonic and online services including coaching and resources to help employees manage their life balance, finances, health and career. Online resources only.
    Trauma response Prompt, compassionate and effective response to traumatic events, consisting of one three-hour block with one counsellor at one location per year.  
    Legal Resources One-on-one consultation with a lawyer for guidance on issues such as family law, civil litigation, real estate and immigration. Online resources only.
    Key Person Advice Line (KPAL) Designed for HR, managers and supervisors, this service provides Online Management Resources and Workplace Situation Professional Support.  
    Resource Locator Online childcare and eldercare resources locators.

     

    For more information, please contact your Group Account Executive or myFlex Sales Manager.

  4. Equitable Life Group Benefits Bulletin - July 2021

    In this issue:

    *Indicates content that will be shared with your clients
     

    Fabien Jeudy takes over as President and CEO*

    In March, we announced that Fabien Jeudy was appointed as Equitable Life’s next President and CEO. Jeudy officially took over on July 5th, succeeding Ronald Beettam, who is retiring after 16 years with the company.

    Jeudy is a collaborative leader with more than 30 years of experience in the insurance industry, leading actuarial, finance, risk management, distribution, marketing teams and operational teams in the Life & Health Insurance, Wealth Management and Group Benefits markets in Canada, the US, and Asia.

    Reminder: Equitable Life’s Guide to Accessing Virtual Healthcare*

    The demand for virtual healthcare services has increased as the pandemic is driving more people to access their health care providers from home.
     
    Thankfully, many virtual healthcare services are available for free to Canadians with provincial health care coverage. We have created a Guide to Accessing Virtual Healthcare for plan members to easily access a variety of virtual healthcare services. Our guide includes information and links to both free and paid virtual medical care options, including video appointments, health advice over the phone, emergency dental services, and more.
     
    You can find the guide on our website. It’s also available on our plan member website at EquitableHealth.ca.

    Mental health resources for plan members*

    Many Canadians have been experiencing increased levels of stress, anxiety, and depression since the beginning of the COVID-19 pandemic. Through our partnership with Homewood Health®, all of our clients and their plan members have access to a number of health and wellness resources designed to provide guidance and support.
     
    Homewood’s Online Cognitive Behavioural Therapy tool, i-Volve, can help plan members identify, challenge and overcome anxious thoughts, behaviours and emotions. Learn more about Online CBT or access i-Volve at Homeweb.ca/Equitable.
     
    As well, Homewood has a number of resources available to help support plan members dealing with increased anxiety during these uncertain times: Please encourage your clients to share these resources with their plan members. They are also available on our plan member website at EquitableHealth.ca.

    Recall of Philips CPAP machines*

    Last month, electronics company, Philips, issued a recall with Health Canada of some of its Continuous Positive Airway Pressure (CPAP), BiLevel Positive Airway Pressure (BiLevel PAP) devices and Mechanical Ventilators. The recall was issued due to a foam abatement within the machines that can become loose and cause potential health risks.

    To qualify for repair or replacement of these devices, users must register their machine on the Philips website. 
     
    CPAP, BiLevel PAP devices and Mechanical Ventilators are eligible for coverage under an HCSA and under some Extended Health Care plans. Plan administrators may want to inform plan members of this recall if the devices are eligible for coverage under their plan. 
     
  5. Important notice: Funds with Deferred Sales Charges The Canadian Council of Insurance Regulators (CCIR) is requiring all insurance companies to discontinue the sale of segregated funds with deferred sales charges (DSC) effective June 1, 2023. This also impacts ongoing or new deposits to some existing segregated fund accounts. Please contact any Equitable Life clients who may be impacted.
     
    How this impacts clients:
    In response to the insurance regulator’s recommendation, Equitable Life® will be making changes to the administration of certain segregated fund products, which may impact clients. The details are outlined below:
     
    Pivotal Select™ segregated fund product
    On or about May 29, 2023:
    • Funds with DSC or Low Load (LL) sales charge options will be closed to additional deposits. Future deposits must be allocated to the No Load (NL) sales charge option of the funds available within the policy.
    • Any existing amounts held in DSC or LL funds are not impacted and will retain the existing deferred sales charge schedule outlined in a client’s contract. The annual 10% available (20% for RIF policies) for withdrawal without fees continues to apply through to the expiry of the fee schedule.
    • If the default deposit instructions that a client previously provided include funds with DSC or LL sales charge options, these instructions will be automatically updated to the NL sales charge option of the same fund for all future deposits.
    • If a client has pre-authorized scheduled deposits into funds with the DSC or LL sales charge options, these instructions will be automatically updated to the NL sales charge option of the same funds for all future deposits.
    • In alignment with our current administrative rules, if a client has DSC or LL funds, they will not be able to make deposits into No Load Chargeback funds (NLCB and NLCB5) within the same policy.
     
    Legacy segregated fund products
    Ongoing deposits to DSC funds are permitted when a segregated fund product does not have an alternative sales charge option available within the contract. This applies to the following products:
    • Personal Investment Portfolio
    • Pivotal Solutions II
    • Pivotal Solutions DSC
    As a result, clients who own these types of products may continue to make new deposits to the DSC funds within their policy. Any new segregated fund deposits, as well as any existing segregated fund amounts within their policy will retain the deferred sales charge schedule outlined in their contract.

    If a client plans on making additional deposits, they may be interested in alternative sales charge options that do not include DSC. For example, Equitable Life offers “No Load” (NL) and “No Load Chargeback” (NLCB and NLCB5) sales charge options within the Pivotal Select segregated fund contract. In these situations, a new application would need to be completed and submitted.

    Please note that draft regulation in Quebec is currently under review which may impact Equitable Life’s approach for Quebec clients with legacy segregated fund products.

    Equitable Life will continue to monitor provincial regulatory developments and adjust our approach as needed.
     
    Client communication
    We will be sending clients a letter within their December 31, 2022, statement describing their options, and the impacts to their policy (if applicable). We recommend that you contact clients to discuss the contents of Equitable Life’s letter and provide any advice that they may need regarding ongoing deposits to their segregated funds. You can access a copy of the client letter here:

     If you have any questions, please reach out to our Advisor Services Team at 1.866.884.7427.

    December 23, 2022

    ™ or ® denote registered trademarks of The Equitable Life Insurance Company of Canada.

  6. The average FHSA balance is $3,899—Let’s help clients aim higher The First Home Savings Account (FHSA) is a powerful tool for Canadians working toward homeownership. With tax-deductible contributions and tax-free withdrawals for qualifying purchases, it’s designed to make saving easier and more rewarding.

    Yet, with a lifetime contribution limit of $40,000 and an annual cap of $8,000, many clients may not be taking full advantage. The average FHSA balance currently sits at just $3,899*, leaving plenty of room for growth.

    Equitable offers three straightforward strategies to help clients boost their FHSA contributions and get closer to their first home—faster:

    Set it and forget it with automated contributions
    Consistency is key. By setting up automatic monthly deposits of up to $667, clients can effortlessly reach the annual maximum of $8,000. Equitable makes it easy to schedule recurring transfers from a bank account, helping clients stay on track without the hassle of manual deposits.

    Make the most of windfalls with lump sum deposits
    Bonuses, tax refunds, or inheritances can be powerful savings tools. Equitable allows clients to make one-time contributions anytime, helping them catch up on unused FHSA room from previous years and accelerate their savings.

    Transfer from RRSPs—tax-free
    Clients who’ve already been saving in an RRSP can transfer those funds into their FHSA—up to their available contribution room—without triggering taxes. This strategy lets them benefit from the FHSA’s tax-free withdrawal feature while staying within their overall savings plan.

    Bonus Opportunity: Win big with the Close to Home contest
    From May 1 to September 30, 2025, clients who contribute to an Equitable FHSA will be entered to win one of two $8,000 prizes. Whether opening a new account or making a contribution, it’s a great chance for clients to get closer to homeownership.

    Advisors, your efforts matter too!
    You have a chance to win a $1,000 prize if the client you are assisting, in alignment with their unique homeownership needs, is selected as a winner. At Equitable, we believe that when we grow together, success is mutual.
    Don’t forget about Equitable’s user-friendly online application platform, EZcomplete®, or process an online transaction with ease using Equitable’s EZtransact®. These tools are fast, simple, and could bring clients closer to achieving their goals.

    Want to learn more? Speak to your Director, Investment Sales.

    * Source: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/first-home-savings-account/fhsa-statistics.html
    ® and ™ denote trademarks of The Equitable Life Insurance Company of Canada.
    Equitable’s Close to Home Contest: No purchase necessary. Contest period May 1, 2025 to September 30, 2025.  Clients enter by making a deposit to an Equitable FHSA during the contest period or by submitting a no-purchase entry. Two prizes of $8,000 CAD each to be drawn on October 15, 2025 will be awarded. The servicing advisor for the policy to which the selected entrants made the deposit is also an eligible winner and will receive a $1,000 CAD prize. For example, if an Equitable client is a winner of the $8,000 prize, the client’s servicing advisor wins a $1,000 prize.  Open to legal residents of Canada of the age of majority. Odds of winning depend on number of eligible entries received during the Contest Period.  For full contest rules, including no-purchase method of entry, see here.  
    Date posted: September 4, 2025
     
  7. [pdf] A Simple Interest Option for Guaranteed Investing
  8. [pdf] Business Information Form
  9. About
  10. Digital Payment Options for Your Client’s First and Subsequent Annual Payments for Individual Life a This article has been updated to reflect changes to the Pre-Authorized Debit (PAD) for new business annual premiums – see below #2.

    To enhance the ease of doing business with Equitable Life, we have added some additional payment methods to help your clients make their first and subsequent annual premium payments easily.
     
    Three digital payment options for annual premium payments:

       1. Online bill payment - Your client can pay their annual premium easily and quickly by using the online bill payment option through their financial institution. On your client’s banking website, they must set up “EQUITABLE LIFE-INDIVIDUAL LIFE & CI” as a “PAYEE”. Use the 9 (or 7) digit policy number as the “account number” then pay this new “bill”. This is the preferred option for annual payments.  

       2. Pre-Authorized Debit (PAD) - For policies where annual premiums are $2,500 or greater, your client now has the additional option of an annual PAD payment. Your client needs to provide a signed PAD authorization form, or a signed letter of direction that indicates they have read and agree to the terms of the PAD. This is a one-time authorization and needs to be repeated for subsequent annual payments.  

       3. Electronic Funds Transfer (EFT) or Wire Transfer - If online bill payment or a one-time PAD will not meet your client’s needs, such as when transferring funds from another financial institution or business to Equitable Life, and the annual premiums are $20,000 or greater, then an EFT is now an option that is available. A wire transfer is available on an exception basis only and is subject to approval.  

    Please contact your Regional Sales Team or customer service team for further questions.