Benefits & Services 

Insurance and Health Benefits

All Equity members in good standing are eligible for some level of insurance and health benefits under the Association's insurance plan. It is important that members ensure their Equity membership status is up to date in order to qualify for applicable benefits.

Members who were insured (under contract*) for a minimum of eight weeks in the previous calendar year are eligible for full benefits as described in the Equity insurance plan during the current calendar year. Up to 50% per cent of the cost of drugs and paramedical services required because of accident or sickness will be reimbursed, subject to annual limits (coverage increases to 85% per cent or 100% per cent when on contract).

Members who were not insured (under contract*) for a minimum of eight weeks in the previous year are eligible for accident and sickness insurance benefits only when under contract and covered for only accident benefits when not on contract.

Important note: members must be in good standing at the time when making an insurance claim or risk having their claim denied.

Members may confirm their off-contract insurance eligibility for the current year on the members-only My Profile page.

*Note: Members working under Amateur, Festival or Collective policies pay the lowest insurance premium. Work weeks under such contracts do not count towards eligibility for Sickness Coverage.

Questions about Equity's insurance plan or an individual member's coverage (both on and off contract) should be directed to Chubb. A dedicated Chubb Life representative is available at 1-866-356-5662 to answer questions regarding individual member claims. Messages may be left anytime and will be returned as soon as possible.

Chubb Life Insurance Company of Canada

2500 - 199 Bay Street
P.O. Box 139, Commerce Court Postal Station
Toronto, ON M5L 1E2
Dedicated Equity member phone lines: Answered Monday to Friday 8:00 a.m. to 4:00 p.m.
Medical claims:: 1-866-356-5662
Income replacement claims: 1-877-772-7797
General email:

Marion (Maz) Magoris, CPA, CMA.
Director of Finance & Administration
TF: 1-800-387-1856 (416-867-9165 in Toronto) Ext. 228

Send medical claim documents (including scanned receipts) to:
Send income replacement documents to:
Fax all claim documents to: 416-368-0641


Fillable claim forms are available that may be completed online. These forms allow the use of a digital or image signature (open the "Fill & Sign > Place Signature" feature in Adobe Reader for more information). Make sure to save the completed fillable claim form to your files. Members may also email an insurance form without a signature provided it is sent from the member's email address on file with Equity.


Include all necessary receipts and required documents. A clear photograph of receipts is also acceptable.


Review the claim form checklist before emailing your claim to avoid any unnecessary processing delays.


Keep all original receipts for one year.

A member working under contract may expect 85% to 100% of the costs of services to be covered. Members not under contract, and who are eligible for off contract coverage, may expect 50% of the cost of drugs and paramedical services required because of accident or illness to be reimbursed. Reimbursements are also subject to annual limits.

Registered Retirement Savings Plan (RRSP)

Equity members benefit from mandatory participation in a group RRSP.

Generally, most Equity contracts require the engager to deduct 6% per cent of each eligible member's fee at source, which is forwarded to Equity in trust and deposited directly into a member's RRSP account. Members may make voluntary contributions to their RRSP account at anytime.

canada-life-logo Canada Life Assurance Company, a leader in the group retirement marketplace in Canada, is Equity's retirement savings plans provider.

GRS Access provides Equity members with a full complement of information and assistance services required to manage their group retirement and savings plan and will also provide investment advice to Equity members upon request. Members may register online to access or check their balance, make account changes, create a retirement plan and more. Canada Life provides RRSP quarterly updates to Equity members and mails annual statements for tax purposes.

Please note: During the COVID-19 situation, if an Equity member needs to make a withdrawal from a RRSP account, we recommend that you contact Canada Life [ ] directly. They have trained representatives on hand to assist you. Open the Contact and Questions section below for telephone/email contact information. It is important to note that RRSP withdrawals are subject to withholding tax when you withdraw funds from your RRSP before retirement.

We urge members to carefully consider making RRSP withdrawals. If at all possible, a RRSP withdrawal should be a last option. That said, of course given the unique circumstances during the COVID-19 pandemic we understand members may need to make this decision. Please note: the current rate of RRSP withholding tax is 10% for withdrawals up to $5,000, 20% for withdrawals between $5,000 and $15,000, and 30% for withdrawals over $15,000. The Canada Life representatives are available to help you navigate these issues.

Canada Life

Access Line: 1-800-724-3402, 8:00 a.m. to 8:00 p.m. ET
TTY machine: 1-800-942-6147, 9:00 a.m. to 5:00 p.m. ET
(Include full name plus one of the following: plan/policy number, plan sponsor/employer name, date of birth in email)

Every Equity member must open an RRSP. New members receive a form authorizing Equity to open an RRSP account in their name which must be completed and returned to Equity. RRSP deposits cannot be made without receipt of this document.


Equity regularly undertakes advocacy efforts at the federal level on a number issues including stable and sustainable arts and culture funding, input on federal budgets, diverse identities on and offstage, zero tolerance on bullying and harassment, and, increasingly, on trade.

Contract Support

Equity supports the creative efforts of its members by working to improve their working conditions and access to work opportunities. Equity negotiates strong agreements and administers fair policies for its members. There are a number of staff resources and support available to Equity members.

Administration and enforcement of Equity’s agreements and policies are the responsibility of the Business Representatives. They are responsible for the interpretation and application of Equity’s agreements and policies. They ensure that the minimum terms of each member’s contract, including minimum fees, working conditions and protection from harassment and discrimination, meet the requirements of the specific agreement in force. When issues arise, a Business Representative will represent members’ concerns with engagers.

Members should never hesitate to contact a Business Representative at any time with any question or concern. Emergency situations may be reported 24/7.

Members' Advantage Program

Please note: Equity's Member Advantage Program (MAP) in its current format closed as of January 31, 2020. The MAP is now undergoing a benefit analysis. Potential new and valuable changes to the program may result. The timeline for the internal review has been delayed by the COVID-19 pandemic. A new MAP is anticipated late-summer.


LifeWorks LogoLifeworks is a self-directed confidential platform from HR specialists Morneau Shepell available to Equity members in good standing. Through articles, podcasts, videos, online toolkits, audio recordings and interactive programs, LifeWorks is a 24/7 tool to enrich member's life, health, family, work and money. Equity members in good standing will receive instructions on how to access LifeWorks via email. New members may receive LifeWorks access up to 4-6 weeks after joining.  Check your inbox and get started with LifeWorks today!

Chubb ExtraCare

Equity members may continue to purchase ExtraCare: additional insurance coverage for critical illness, hospital expenses, accidental death and dismemberment, and funeral expenses from Equity’s insurance provider at a discounted rate.

spencer-health-logo Equity members and their dependents are eligible for a special reduced membership rate on the Spencer Health Network. This national network including selected dental clinics, contact lenses and eyeglass retailers, pharmacies, hearing aid retailers and physiotherapy, massage and chiropractic practitioners is also available to Equity members. Discounts between 20% to 40% may apply.

Special Initiatives

Not In OUR Space! is a national anti-harassment and respectful workplace collaborative campaign developed by Equity which seeks to ensure healthy and productive working conditions for all professionals working in live performance across the country.

Building on the work of The Equity Census, Everybody Counts is a five-question survey collecting and securely storing basic demographic information. This information will allow Equity to measure the impact of member diversity on engagement patterns and to lobby more effectively.

The ground-breaking 2015 Equity Census was developed to better understand the demographic composition of Equity's membership and to identify potential barriers to employment experienced by members in Equity’s jurisdiction. The Equity Census Executive Summary and complete Final Report are available for download.

TIn 2019, Equity’s launched the Mental Health & Wellness Survey giving members the opportunity to speak their minds on mental health issues relating to live performance work on and offstage, insurance coverage and more. This initiative to help Equity establish support strategies for artists to sustain healthy lives in healthy careers.

Equity's professional development funding will be undergoing retooling in the 2019-2020 fiscal year. Workshops/projects/activities confirmed to date are unaffected. Members seeking information regarding a member-initiated funding application should contact the Communication Director.