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A better benefits experience for your small business

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Running a small business isn't easy.

It's more important than ever to have competitive health benefits that provide your employees with the coverage and services they want and need. That's why we offer Equitable EZBenefits: a unique benefits solution for organizations with 2-25 employees.

Straightforward plan design options for every need and budget

Digital options make it easier for you and your employees to use the plan

Cost controls keep your plan's pricing stable so you can provide employee benefits for years to come

A range of options to fit every need and budget

Whether your business is a start-up or in growth mode, we've got you covered.

Equitable EZBenefits offers a range of plan design options - Bronze, Silver, Gold and Platinum - for every need and budget.*

Our plan design options include a mix of Life, Health and Dental coverage.**

You can also add any of these benefits if it makes sense for your employees:

  • Long-Term Disability (LTD) coverage
  • Health Care Spending Account (HCSA)
  • Additional wellness services
  • WorldCare Medical Second Opinion Service
  • FeelingBetterNow®, an online mental Health Assistance tool
*Not available in Quebec.
**Dental coverage not included with the Bronze plan design option.

Features included with all plan designs

We want to provide your employees with added support for both their physical and mental wellbeing.

  • Anytime, online access to a medical professional through our Virtual Healthcare solution provided by our partner, Dialogue
  • Access to professional counselors – via the telephone, the web or in- person – to help deal with life events or personal and family issues through our Employee and Family Assistance Program and Homewood Health Program®.
  • Online resources to help manage health, financial and family challenges through Homeweb, Homewood Health’s online wellness portal
  • A self-guided mental health support program using Cognitive Behavioural Therapy provided by Homewood Health.

Digital options to make it simple

Our digital options make it easier for your plan members to use their plan – and easier for you to do business with us.

  • The Equitable EZClaim Mobile app allows plan members to submit claims and download their benefits card, all from their mobile device.
  • EquitableHealth.ca gives you secure online access to manage your plan anytime and anywhere. Your plan members can also submit and view claims, check their coverage, and access health and wellness resources.
  • Online Plan Member Enrolment offers a more secure, efficient way for your plan members to enrol in the plan at no extra cost.

Pricing protection for long-term stability

We've designed EZBenefits to provide long-term pricing stability for health and dental benefits. We've considered the impact that small fluctuations in claims experience can have on rates, to help maintain price stability. 

We work hard to control costs so that your plan stays affordable and sustainable.


Included with EZBenefits: Extra HR Support

We want to take the heavy lifting out of common human resources tasks and provide you with extra HR advice and support.

With EZBenefits, you get HR support tools and services through our partnership with HRdownloads®, including:

  • HR Technology: An award-winning cloud-based human resource information system to provide help from onboarding to offboarding and everything in between.
  • HR Content: Access to a library of over 3,000 HR documents, templates, compliance resources and articles, with 25 free document downloads.
  • HR Training: A free Workplace Diversity and Inclusion training course for your team.
  • HR Support: One free Live HR Advice call with a seasoned HR expert.

Benefits with a difference

As a mutual insurance company, you'll find we aren't like other group benefit providers.

Our only focus is our clients – not shareholders. That means we can provide you and your plan members with a better benefits experience.

  • Fast, accurate claims adjudication.
  • Knowledgeable experts that listen to your employees and explain their benefits coverage in terms they can understand.
  • Ranked first among major Canadian group insurers for overall service in NMG's 2022 survey of group benefits advisors.‡

‡2022 NMG Group Benefits Study.

EZBenefits Plan Design
Options Guide

Choose from the plan design options that fit your need and budget.

Extended Health Care

 Deductible No deductible
Coinsurance 70% 70% 80% 100%
Formulary Standard Mandatory Generic Formulary (TELUS Plan 88 GA). Reimbursement is limited
to the amount of the lowest cost alternative medication, typically a generic drug.
Dispensing fee cap $8 No dispensing fee cap
Annual drug maximum $5,000/ year $25,000/ year $100,000/ year $100,000/ year
Coverage limits 100% coverage of eligible emergency medical expenses
up to a lifetime maximum of $5 million
Trip limit 90 days
Paramedical practitioners (e.g. physiotherapists, massage therapists, chiropractors, etc.) No coverage $300/ practitioner/ year $500/ practitioner/ year $500/ practitioner/ year
Mental health practitioners* $500/ year $800/ year $1,000/ year
Surgical stockings No coverage $250/ calendar year for eligible expenses
Orthotics/ orthopaedic shoes $350/ calendar year for combined eligible expenses
Hearing aids $500 for each consecutive 60-month period
Other standard inclusions E.g. prosthesis, wigs and hairpieces, wheelchairs,
colostomy supplies, etc.
Private-duty nursing No coverage $10,000 per calendar year
Ambulance Based on reasonable and customary costs for region where
services are obtained
Convalescent home services $40 per day for a maximum of 180 days per disability
Eye exams No coverage Once every two years
Lenses/ Frames/ Contacts No coverage $200/ year $250/ year
Hospital accommodation No coverage 100% coverage for semi-private accommodation

Extended health care benefits include two years of coverage for eligible surviving dependents. Benefits terminate at age 70. All claims are subject to Equitable Life’s reasonable and customary amounts for the necessary services, supplies, products and appropriate treatments being claimed.
* Maximum is combined for all mental health practitioners


BASIC AND RESTORATIVE (e.g. dental exams and fillings)
Deductible No coverage No deductible
Coinsurance 70% 80% 90%
Annual maximum $1,500/ year/ patient $2,000/ year/ patient combined with Major Restorative $2,500/ year/ patient combined with Major Restorative
Recall exams Every 9 months Every 6 months Every 6 months
Scaling (i.e. cleaning) 8 units/ year 8 units/ year 10 units/ year
Fee guide Current
MAJOR RESTORATIVE (e.g. bridges and crowns)
Coinsurance No coverage 50% 50%
Maximum No coverage $2,000/ year/ patient combined with Basic and Restorative $2,500/ year/ patient combined with Basic and Restorative

Dental benefits include two years of coverage for eligible surviving dependents. Benefits terminate at age 70.

Life/Accidental Death and Dismemberment (AD&D)

Basic Life/AD&D $25,000 $50,000 $75,000
Optional Life Coverage available in units of $10,000 up to a max of $250,000
Dependent Life $5,000/ $2,500
from live birth
$10,000/ $5,000
from live birth

Basic Life and AD&D benefits reduce to 50% at age 65. No medical questionnaire is required for Basic and Dependent Life benefits. All Life and AD&D benefits include Waiver of Premium and terminate at age 70.

OPTIONAL: Long-Term Disability (LTD)

Graded schedule 67% for the first $3,750 of monthly earnings, 50% of the remainder up to a maximum of $7,500
Waiting period 17 weeks
Tax status Non-taxable
Non-evidence limit $5,000
Definition of disability 2-year own occupation

LTD benefits include Waiver of Premium and terminate at age 65.

OPTIONAL: Health Care Spending Account

Allocation amounts Plan Sponsor choice
Type Use it or lose it

For more information about Equitable EZBenefits and how it can help your small business, contact your advisor.

Don't have an advisor?
Fill out this form and we'll connect you with one in your area.


Equitable Life of Canada

One Westmount Road North

P.O. Box 1603, Stn Waterloo

Waterloo, Ontario  N2J 4C7

Phone: 519.886.5110

Toll Free: 1.800.722.6615

Contact Us

Accessibility for customer service
Customers who wish to provide feedback on the way Equitable Life of Canada provides services to people with disabilities can contact us by email, verbally or by letter.  All feedback will be directed to the company Ombudsman. Customers can expect to hear back within 15 business days. Complaints will be addressed according to our organization's complaint management procedures.
The company's Customer Service Accessibility policy is available upon request from the company Ombudsman.

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