RBC Complaints and Ombudsman: How the Process Works and What to Do If Your Disability Claim Is Denied

If you’re having problems with your disability claim, you may be told to go through the RBC complaints process or contact the RBC ombudsman.

While these steps are often presented as your next move, it’s important to understand how the process works — and whether it’s the best option for your situation.

When Should You File a Complaint With RBC?

You may consider filing a complaint if:

• Your disability claim has been denied
• Your benefits have been cut off
• You’re dealing with delays or lack of communication
• You believe your claim isn’t being handled fairly

These issues are especially common with long-term disability claims.

How Does the RBC Complaints Process Work?

RBC typically has a multi-step internal process:

1. Raise the issue with your claims representative
2. Escalate to a manager or internal review team
3. Submit a formal complaint through RBC Insurance

Each step may involve providing additional documentation or explanations.

However, it’s important to know:

That means the same organization that made the original decision is reviewing your complaint

What Does the RBC Ombudsman Do?

If your issue isn’t resolved through the complaints process, you may be referred to the RBC ombudsman.

The ombudsman is meant to provide a review of your case.

They may:

• Review how your claim was handled
• Assess whether RBC followed its internal processes
• Recommend a resolution

However, the ombudsman:

• Does not represent you
• Does not act as your advocate
• Can’t force RBC to approve your claim

Should You Go Through the RBC Complaints Process First?

Many people assume they have to complete the complaints or ombudsman process before taking further action.

That’s not the case.

You do not have to go through RBC’s internal process before speaking with a disability lawyer.

In fact, in many situations, pursuing a legal claim may be a more effective way to resolve the issue.

Why Disability Claims Are Often Disputed

Disability claims — especially long-term disability — are frequently challenged.

Common issues include:

• “Insufficient medical evidence”
• Disagreements about your ability to work
• Changes in eligibility after two years
• Ongoing reassessment

Key Takeaways About RBC Complaints and the Ombudsman

• RBC has an internal complaints process for disputed claims
• The ombudsman provides a review, but not legal representation
• You are not required to go through these steps before getting legal advice
• Many disability claim issues can be addressed more effectively through other options

Speak With a Disability Lawyer About Your RBC Claim

If you’re dealing with delays, denials, or concerns about how your claim is being handled, it’s important to get clear answers about your situation.

A disability lawyer at Samfiru Tumarkin LLP can help you:

• Understand whether your claim is being handled fairly
• Review your options moving forward
• Explain what steps you can take to protect your benefits
• Deal directly with the insurance company

There’s no cost to speak with our team.