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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 onlyGroup 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:
- Online Plan Member Enrolment 1-page flyer
- Plan Member Online Plan Member Enrolment Quick Reference Guide
- myFlex Plan Member Online Plan Member Enrolment Quick Reference Guide
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.
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Equitable Insights: EZcomplete Makes Submission to Commission Easy
Welcome to the fourth video in our Equitable Insights series. “EZcomplete Makes Submission to Commission Easy” features Chris Marrese, Individual Operations Vice-President, Equitable Life.
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Equitable Insights: Our Large Case Experts
Welcome to the fifth video in our Equitable Insights series. “Our Large Case Experts” features Scott Morrow, Individual Insurance Sales Vice President, MGA East, Equitable Life.
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Equitable Insights: Our Underwriting Team is here for you
Welcome to the sixth video in our Equitable Insights series. “Our Underwriting Team is here for you” features Shamir Jamal, Assistant Vice President Underwriting
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Equitable Insights: Supporting the Health of Canadians
Welcome to the seventh video in our Equitable Insights series. "Supporting the Health of Canadians" features Donna Carbell, Senior Vice President, Individual Insurance.
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Equitable Life’s Participating Account reaches $1 billion in assets
We are thrilled to announce that we’ve recently reached a milestone!
Our PAR account has surpassed $1 billion in assets. This is something we’re very proud of and we ultimately view as a sign of confidence from you and our clients.
Thanks for your continued support.
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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.