RBC short-term disability (STD) benefits provide temporary income support if you’re unable to work due to a medical condition.
But even short-term claims can run into delays, denials, or unexpected issues — especially when transitioning to long-term disability.
This guide explains how RBC short-term disability works, what’s covered, and what to do if your claim is denied.
What Is RBC Short-Term Disability?
RBC short-term disability (STD) insurance provides income replacement for a limited period if you can’t work due to illness or injury.
STD benefits typically:
- Cover a portion of your income (often 60–70%)
- Last for a set period (commonly up to 15–26 weeks)
- Begin shortly after you stop working
In most cases, STD is followed by long-term disability if your condition continues.
What Conditions Qualify for RBC STD Benefits?
Short-term disability may apply to a range of conditions, including:
- Injuries or recovery from surgery
- Mental health conditions (e.g. stress, anxiety, depression)
- Acute illnesses
- Pregnancy-related medical issues
To qualify, you must show that your condition prevents you from working.
How Do You Apply for RBC Short-Term Disability?
To apply for STD benefits, you’ll typically need:
- A claimant statement
- An employer statement (if applicable)
- Medical documentation from your doctor
Incomplete or unclear information can delay your claim.
Why Are RBC Short-Term Disability Claims Denied?
Even though STD is short-term, claims can still be denied.
Common reasons include:
- Lack of sufficient medical evidence
- Disputes about your ability to work
- Missed deadlines or incomplete forms
What Happens After Short-Term Disability Ends?
If you’re still unable to work when STD benefits end, you may qualify for long-term disability (LTD).
However, this transition isn’t automatic.
You’ll need to:
- Submit a new application
- Provide updated medical evidence
- Meet RBC’s LTD definition of disability
Do You Have to Appeal an RBC STD Decision?
RBC may suggest going through an internal appeal or complaint process.
But you don’t have to go through this process before speaking with a lawyer.
In many cases, a legal claim may be the more effective option.
Key Takeaways About RBC Short-Term Disability
- RBC STD provides temporary income support if you can’t work
- Claims depend heavily on medical documentation
- Denials can still happen — even for short-term claims
- Many cases transition into long-term disability claims
Speak to a Disability Lawyer About Your RBC STD Claim
If your RBC short-term disability claim has been delayed or denied, or if you’re transitioning to long-term disability, it may help to get clarity on your situation.
A disability lawyer at Samfiru Tumarkin LLP can help you:
- Understand your rights and options
- Review your medical documentation
- Prepare for a transition to long-term disability
- Deal with the insurance company
There’s no cost to speak with our team.
Disclaimer: This guide was created by Samfiru Tumarkin LLP. It is an independent resource designed to help individuals understand their insurance rights and the appeals process. It is not produced by, affiliated with, or endorsed by RBC or any other insurance provider.