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April 2024 eNews
In this issue:
- Competitive – and easy – benefits plans for your small business clients
- Simplifying benefits enrolment for your clients*
- NEW time-off tracking tool from HRdownloads*
- Focus on benefits fraud: Protecting your clients’ plans from abuse*
Competitive – and easy – benefits plans for your small business clients
Supporting your small business clients can be a challenge. It’s tough to find a competitively-priced benefits plan with the features they want. Small business owners may also need more of your time – especially if this is their first benefits plan.
That’s why we created Equitable EZBenefits™, a benefits solution designed with the needs of small businesses in mind. With a range of plan design options and valuable embedded services for plan sponsors and plan members, EZBenefits is available for groups with 2 to 25 employees. And to make things simpler for you, we’ve created an Advisor Concierge Service exclusively for EZBenefits. Whether you have a question about submitting a quote request for a new client or an issue with an in-force client, our Concierge Service is your go-to resource for EZBenefits support.Don’t have any EZBenefits clients yet?
To learn more about EZBenefits, watch our video to learn more or view our brochure.Simplifying benefits enrolment for your clients*
Navigating the benefits enrolment period can be overwhelming – for you, your clients and their employees. It’s difficult to ensure all plan members complete the necessary paperwork before the enrolment deadline.
That’s why we offer our secure Online Plan Member Enrolment tool at no extra cost to plan sponsors. The tool simplifies the onboarding process for your clients and their plan members by eliminating the need for paper enrolment forms.
It also makes enrolment faster and easier for your clients by:- Reducing errors and rework that can occur due to spelling mistakes or missing information on paper forms; and
- Sending automatic enrolment reminders to plan members, resulting in fewer late applicants.
- Enrol in their benefits plan in just minutes from their computer or mobile device;
- Easily enter all their enrolment information, including dependent details, banking information for direct deposit of claim payments and details for coordination of benefits; and
- Designate their beneficiary electronically.
Ready to share our Online Plan Enrolment Tool with your clients? Get them started with these helpful resources:
- Online Plan Member Enrolment Flyer for Plan Administrators
- Online Plan Member Enrolment Quick Reference Guide for Plan Administrators
- Quick Reference Guide for Plan Members
To learn more about how Online Plan Member Enrolment can simplify benefits enrolment for your clients, contact your Group Account Executive or myFlex Account Executive.
NEW time-off tracking tool from HRdownloads*
Through our partnership with HRdownloads®, EZBenefits clients now have complimentary access to Timetastic —a time-off tracking tool that can make it easier to manage employee vacation time, sick days and more.
Timetastic integrates seamlessly with HRdownloads and includes a mobile app to help manage time-off requests from any mobile device.
To see Timetastic in action, check out this demo.
EZBenefits also includes other helpful resources and tools from HRdownloads that can make daily human resources tasks easier, including:- A robust, award-winning HR management platform (HRIS);
- HR documents, templates, compliance resources and articles; and
- A live HR advice helpline.
Learn more about accessing HRdownloads.Focus on benefits fraud: protecting your clients’ plans from abuse*
According to the Canadian Life and Health Insurance Association (CLHIA), benefits fraud costs insurers and plan sponsors millions of dollars each year, which can lead to increased premium costs.
Resources for your clients
Both plan administrators and plan members play a role in preventing benefits abuse. So, we’ve compiled some resources you can share with your clients to help them understand what benefits fraud is and how to prevent it:- CLHIA’s free 15-minute Protect Your Benefits online course for plan administrators and their members
- CLHIA’s Fraud is Fraud program, including their FAQs on benefits fraud
- Our online guide to benefits abuse
- Tips for plan administrators and plan members to protect their plan
How we’re fighting benefits fraud
Our Investigative Claims Unit (ICU) works to detect and eliminate benefits fraud. We use a variety of investigative techniques, including CLHIA-led industry tools to detect and eliminate benefits fraud:- Joint Provider Fraud Investigation Program: A robust program that allows insurers to collaborate on fraud investigations that affect multiple insurers;
- Data Pooling Program: An initiative that pools data between insurers and uses advanced artificial intelligence to further identify and reduce benefits fraud; and
- Provider Alert Registry: A registry that allows insurers to view the results of other insurers’ anti-fraud investigations into specific practitioners.
- About
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The Equitable Gives Back Contest – Start spreading the word!
Equitable Life of Canada is celebrating our 100th Anniversary in 2020, and we’re busy planning a year of events and activities so we can celebrate this significant milestone with our employees, clients, wholesalers and advisors across Canada.
A big part of who we are as a company is our commitment to help strengthen the communities where we operate by supporting a variety of charitable initiatives that help to improve the quality of life for the people living there. We are proud to launch the Equitable Gives Back Contest. Our goal is to give $10,000 to five registered charities operating in Canada.
All it takes to enter is an original essay (not less than 100 words, not more than 500) describing the way in which a charitable organization could use $10,000 to help further their charitable purpose and improve life for Canadians.
Reach out to your clients, tell them about the contest, and encourage them to visit www.equitable100.ca to see if they are eligible! All entries must be submitted by March 31, 2020.
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Crunch the numbers with Equitable Life’s RRSP Loan Calculator
Whether helping your client determine net worth or reviewing to see if your client’s retirement plan is on track, Equitable Life® is here to help with our online calculators. These number crunching tools can help you answer some of those challenging questions you get asked by your clients. From an RSP loan calculator to home budgeting to even figuring out if your client will be a future millionaire, check out our latest tools.
Each week in March, we will be sharing an online calculator from our list.Share calculators using your Facebook, Twitter or LinkedIn account.
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Omar and Sarah want to catch up on contributing to their RRSP after the COVID lockdown. How much can they afford to contribute?
Did you know?An RRSP loan can be an excellent way to jump start your retirement savings. Check out Equitable Life’s RRSP Loan Calculator.
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Now better than ever! The updated “Understanding participating whole life insurance” (#1038) is here
Our most-viewed client guide has gone through a full update. It now features new Equitable® branding and wording that makes all the difference.
We’ve rewritten it to help clients grasp concepts like dividends better. And to help clients understand how we invest their premium payments in the participating account. It will help you have conversations with clients about the ins and outs of their participating whole life insurance policies.
We’ve also refreshed the visuals throughout. The redone 1038 guide is another way we’re showing our wholehearted commitment to our participating policyholders.
See the EquiNet® marketing materials page to find the updated 1038!
Want to know more?
Your Equitable Wholesaler is here to help!
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Individual insurance communications at Equitable are changing
Out with the old and in with the new … in phases. Less than one year after the launch of our bold brand redesign, we are refreshing Equitable® individual insurance client letter communications. The updated letters are an opportunity to show more than our new logo. It’s about showing clients that we are here to listen and support them every step of the way.
This fresh approach to client communication delivers greater personalization that evolves with each client’s needs. Adopting a more inclusive and conversational tone means clients will stay well informed with clarity, so they can understand their insurance policies and the claims process better. Consistent communication across their insurance journey with Equitable reinforces how much we value their trust in us to support their financial needs.
Other notable changes you can expect to see over the next year include:
● Graphic icons
● Scannable content
● Simplified layouts
● Visual financial data
The rollout of new letters begins this fall. As always, you can access a copy of your clients’ letters on EquiNet®.
Questions or want to share feedback? Talk to your Equitable wholesaler today!
® or TM denote trademarks of The Equitable Life Insurance Company of Canada. -
Equitable Savings & Retirement communications are changing
We’re revamping Equitable’s Savings & Retirement client communications! Our new letters give us the opportunity to ensure we are providing the right information in the right way to our clients.
As well as refreshing the look and feel of our letters, we’ve updated the content to be more clear, inclusive, and informative. This new experience will help show clients that we understand their needs and are here to support them in their investment journey.
Notable enhancements you can expect to see in our letters include:
• New layouts that provide a consistent experience
• Digestible content written in plain language
• Investment data organized in easy-to-review tables
• Easily identifiable next steps and contact details
The rollout of the new letters began in June, starting with our client Welcome/Confirmation letter. You can access a copy of the client’s letters on EquiNet®.
If you have any questions or want to share feedback, feel free to reach out to your Director, Investment Sales.
Date posted: July 2, 2025 -
Coming March 23, 2020 – Equimax enhancements include 60 months of flexibility to make extra deposits
The following features will be available on Equimax Estate Builder® and Equimax Wealth Accumulator® plans!
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60 months of Excelerator Deposit Option (EDO) flexibility- Up to 60 months to make initial EDO payment or resume stopped or reduced payments. No additional underwriting required.
- For approved EDO amounts exceeding $150,000 annually ($12,500 monthly), clients have up to 12 months from the date the EDO application was signed or the date of the last EDO payment to make an EDO payment before a contribution cap may apply.
- Available on all policies with an effective date of March 23, 2020 or later.
EDO available on case ratings of 300% or less- If a policy already in effect has a rating over 200% and up to and including 300%, the owner can apply to add EDO provided the policy was issued under the 2017 tax rules.
- Additional underwriting and submission of satisfactory evidence may be required.
Disability Benefit Disbursement at no extra cost
- If a life insured becomes disabled from a severe mental or physical impairment as defined in the policy contract, the owner may apply for a tax-free,* lump sum payment of up to 100% of the policy’s cash value.
- Exclusions apply. See sample policy contract for full details, including the qualifications for the disbursement.
- Available on all policy issued under the 2017 tax rules.
* Tax laws are subject to change. The payment of the disability benefit disbursement may affect the adjusted cost basis (ACB) of the policy as it is considered payment of a capital benefit. Changes in ACB can affect the future taxation of the policy.Processing your Application
To make the transition as smooth as possible, please take a moment to review the following transition rules.
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Make It EZ2 EZtransact Contest – Twice As Nice!
The Make-It-EZ EZtransactTM contest is back by popular demand! This time we are making it twice as nice with one $200 winner each week, and a Grand Prize winner of $2000 at the end of the contest! Just in time for your busy RSP season, EZtransact, makes managing your client’s policies quick and convenient.
Every EZtransact online transaction submitted between January 24 and April 1, 2022 gives you the chance to WIN! Eligible non-winning Entries will be carried forward to subsequent Draw Dates. So the sooner you start using EZtransact, the more chances you have to win! First draw will be on January 31, 2022.
Click here for to start using EZtransact today.
New to EZtransact? Click here to try our new EZtransact Sandbox practice site.“Make It EZ2” EZtransactTM Contest: No purchase necessary. Contest period January 24, 2022 to April 1, 2022. Eleven prizes to be awarded, for a total value of $4,000 CAD. Ten weekly prize draws, each for one prize of $200 CAD, to be held every Monday from January 31, 2022 to April 4, 2022. One Grand Prize draw, for one prize of $2,000 CAD, to be held on April 4, 2022. Correct answer to mathematical skill testing question required to win. Open to legal residents of Canada of the age of majority. Eligible non-winning Entries will be carried forward to subsequent Entry Periods and will be eligible on subsequent Draw Dates. Maximum one weekly draw prize per person. Odds of winning depend on number of eligible Entries received during the Contest Period. Click here to see full contest rules, including no purchase method of entry.
- [pdf] GIA versus GIC