If you have coverage through your employer, your disability benefits may be part of an RBC Insurance group benefits plan.
While these plans can provide important financial support, many employees run into problems when they actually need to use them — especially for disability claims.
This guide explains how RBC group benefits work, what’s included, and what to do if your claim is delayed or denied.
What Are RBC Insurance Group Benefits?
RBC Insurance group benefits are employer-sponsored plans that provide coverage to employees.
These plans may include:
- RBC Short-term disability (STD)
- RBC Long-term disability (LTD)
- Health and dental benefits
- RBC Life insurance
How Do Disability Benefits Work Under a Group Plan?
If you’re unable to work due to illness or injury, you may qualify for disability benefits through your employer’s RBC plan.
Typically:
- Short-term disability (STD) starts first
- If your condition continues, you may apply for long-term disability (LTD)
- You’ll need ongoing medical support to remain eligible
What Conditions Are Covered Under RBC Group Benefits?
Coverage depends on your plan, but disability benefits may apply to:
- Physical injuries or illnesses
- Chronic pain conditions
- Mental health issues (e.g. anxiety, depression)
- Recovery from surgery
To qualify, you must show that your condition prevents you from working.
Why Are RBC Group Disability Claims Denied?
Even with employer coverage, disability claims can still be denied.
Common reasons include:
- Insufficient medical evidence
- Disputes about your ability to work
- Incomplete forms or missed deadlines
What Happens If Your Benefits Are Cut Off?
Benefits may stop if RBC believes:
- You no longer meet the definition of disability
- You can return to work in some capacity
- You haven’t provided updated medical information
This often happens during:
- A reassessment
- The transition from STD to LTD
- The LTD 2-year mark
Key Takeaways About RBC Insurance Group Benefits
- RBC group benefits are employer-sponsored plans
- Disability coverage often includes short-term and long-term benefits
- Claims depend heavily on medical documentation
- Benefits can be denied or cut off, even with employer coverage
Speak to a Disability Lawyer About Your RBC Group Benefits Claim
If your RBC group disability claim has been delayed, denied, or cut off, it’s important to understand your options.
A disability lawyer at Samfiru Tumarkin LLP can help you:
- Review your claim and policy
- Assess whether your benefits are being handled fairly
- Explain your next steps
- Deal with the insurance company on your behalf
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.