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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.
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.
Supporting plan members through cold and flu season with Dialogue Virtual Healthcare*
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.
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:
Changes to Short-Term Disability benefits calculations*
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 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. -
Explore Equitable EZBenefits™
A better group benefits solution for your small business clients
Running a small business isn't easy, especially for companies with smaller budgets and fewer resources. It can be tough to find a competitively priced benefits plan with the features that clients want. That’s why we created Equitable EZBenefits™, a benefits solution designed with the needs of small businesses in mind.
Options to fit every need
Available to organizations with between 2 and 25 employees, EZBenefits offers a range of plan design options to match different needs and budgets. * Whether your client owns start-up or a growing company, we’ve got them covered. Plan options include a mix of Life, Health and Dental coverage. ** Clients can also add Long-Term Disability (LTD) coverage or a Health Care Spending Account (HCSA).
Embedded services to support health and wellness
To provide employees with added support for both their physical and mental wellbeing, all our plan design options include:
● Anytime, online access to medical professionals through our Virtual Healthcare solution from Dialogue,
● Access to professional counselors – via the telephone, the web or in-person – through our Employee and Family Assistance Program from Homewood Health®, and
● Online resources to help manage health, financial and family challenges through Homeweb, Homewood Health’s online wellness portal.
Extra HR support for EZBenefits clients
EZBenefits also comes with built-in HR support through Equitable’s partnership with Citation Canada® (formerly HRdownloads). It takes the heavy lifting out of common human resource tasks with HR support tools and services. Features include:
● an award-winning cloud-based human resource information system (HRIS) to provide help from onboarding to offboarding and everything in between,
● access to a library of over 3,000 HR documents, templates, compliance resources and articles, with 25 free document downloads,
● a free Workplace Diversity and Inclusion online training course, and
● one free Life HR advice call with a seasoned HR expert.
A streamlined process to optimize your time
We know that advising small business clients can be challenging. We’ve created a streamlined benefits process that provides rapid quotes, hassle-free plan implementation, simplified renewals and that is easy to administer. That way, you can spend more time advising your clients and building your business – and less time with administrative back and forth.
Pricing stability for long-term stability
When it comes to attracting and retaining talent, we know your small business clients are competing with larger organizations that have big budgets and lots of resources. That’s why we’ve designed EZBenefits to provide long-term pricing stability for health and dental benefits.
Find out more
To learn more about EZBenefits, watch our video to learn more or view our brochure. You can also visit info.equitable.ca/ezbenefits for more details or to request a quote. If you have questions, contact your Equitable Life Group Account Executive. If you don't have an Equitable Life Group Account Executive, email us at EZBenefits@equitable.ca.
* Not available in Quebec.
** Dental coverage is not included with the Bronze plan design option.
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RxFood nutrition app added to all group benefits plans
In this issue:
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RxFood nutrition app added to all group benefits plans*
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Coming soon: Coverage information at plan members’ fingertips on EquitableHealth.ca*
*Indicates content that will be shared with your clients.
RxFood nutrition app added to all group benefits plans
Equitable® has added the RxFood nutrition app to all group benefits plans at no extra cost—giving every plan member more opportunity to make healthy and informed food choices.
RxFood is Canada’s first clinically validated nutrition platform that’s used and trusted by leading health care institutions across the country, such as SickKids Hospital and Diabetes Canada, to help support better health outcomes through nutrition.
Using technology powered by artificial intelligence, RxFood turns everyday meals into personalized insights, practical tips and tailored recommendations that are easy for plan members to act on and build into their routines.
For more information, read our previous eNews article.
Promoting RxFood to plan members
This week, clients will receive a digital toolkit to help them encourage plan members to register for RxFood. Plan members must register to access this free benefit.
The toolkit includes an RxFood brochure, a poster, an email template plan administrators can use to help spread the word, and the video below.
Coming soon: Coverage information at plan members’ fingertips on EquitableHealth.ca
Starting this month, Equitable plan members will be able to find helpful information about their health coverage more quickly and easily. We’re putting the key details at their fingertips on the EquitableHealth.ca® home page.
Faster access to health coverage details
Our new coverage panel will provide plan members fast access to information about their paramedical coverage for themselves and their covered dependants – including coverage maximums, reimbursement details and more.
Plan members with Health Care Spending Accounts or Taxable Spending Accounts will also be able to check their balances from the home page.
Later this spring, we’ll add information about vision and dental benefits to the coverage panel, too.
Simpler way to find benefits resources
We’re also making it easier for plan members to access key resources. Benefits cards, booklets and other important sections of the site will now be linked directly from the home page.
The video below walks plan members through the new features:
More new features to come
The coverage panel and resources section are the latest enhancements to our new plan member web experience, which we launched last fall. We’ll continue introducing more self-serve features this year.
To learn more about our enhanced plan member home page, contact your Group Account Executive or visit Equitable.ca/effortless.
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Supporting you and your group clients during the COVID-19 pandemic
We know these are challenging times.
As COVID-19 continues to spread, we want to reassure you that we remain ready and committed to support you, your group clients and their plan members.
We have a robust and well-tested business continuity plan in place and have taken the necessary steps to maintain the high level of service you have come to expect from us. Our business is near 100% digital, so the vast majority of our employees are now working remotely from home and are fully functional. Our Customer Care Centre remains open to support plan members and can be reached at 1.800.265.4556. And our Client Relationship Specialists are available for Plan Administrator questions and support.
As the situation continues to develop, we know you will have questions about what it means for your clients and their plan members. We have already issued announcements related to Travel Assist coverage for plan members who are outside of the country, and about short-term disability coverage for plan members who are in quarantine or self-isolation. We will continue to provide timely updates as developments unfold.
All of us are facing an unprecedented number of urgent situations where there is no established protocol. Our commitment to you and your clients is to respond quickly, and to be flexible where we can, tailoring solutions to specific needs. The global situation is evolving rapidly; we ask for your patience as our solutions also evolve quickly and accordingly. Your Group Account Executive and myFlex Sales Manager are well equipped to navigate Equitable Life’s experts and to resolve difficulties.
These are extraordinary times and history is in the making. Rest assured that Equitable Life is unwavering in our support, and we will be here to help you when it matters most.
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