RBC Attending Physician Statement: What It Is and How It Affects Your Disability Claim

If you’re applying for disability benefits, one of the most important documents you’ll need is the RBC Attending Physician Statement (APS).

This form plays a critical role in whether your claim is approved, delayed, or denied.

Understanding how it works — and how it should be completed — can make a big difference in your case.

What Is the RBC Attending Physician Statement?

The Attending Physician Statement (APS) is a medical form completed by your doctor as part of your disability claim.

It provides RBC with details about:

• Your diagnosis
• Your symptoms and limitations
• Your treatment plan
• Your ability to work

This information helps the insurance company decide whether you qualify for benefits.

Why Is the APS So Important?

The APS is often one of the most heavily reviewed documents in your claim.

RBC may rely on it to:

• Approve or deny your claim
• Determine how long benefits should last
• Reassess your eligibility over time

Common Problems With the RBC APS

Many disability claims run into issues because of how the APS is filled out.

Common problems include:

• Vague or incomplete answers
• Lack of detail about functional limitations
• Missing medical information
• Inconsistencies with other records

These issues can lead to:

• Delays in processing
• Requests for more information
• Claim denials

How Should the APS Be Completed?

Your doctor should provide clear, detailed information about how your condition affects your ability to work.

This includes:

• Specific symptoms and restrictions
• Limitations in performing your job duties
• Expected recovery timeline (if known)
• Ongoing treatment and care

Can the APS Affect Long-Term Disability Benefits?

Yes — the APS is especially important for long-term disability (LTD) claims.

RBC may use it to assess:

• Whether you qualify for LTD benefits
• Whether you continue to meet the definition of disability
• Whether your benefits should be cut off

What If There Are Problems With Your APS?

If your APS is unclear or incomplete, RBC may:

• Delay your claim
• Request additional forms
• Deny your benefits

If this happens, it’s important to understand your options.

Key Takeaways About the RBC Attending Physician Statement

• The APS is a critical part of your disability claim
• It provides RBC with medical evidence about your condition
• Incomplete or unclear forms can lead to delays or denials
• Clear, detailed information is essential

Speak With a Disability Lawyer About Your RBC Claim

If your RBC disability claim has been delayed, denied, or impacted by issues with your medical documentation, it may help to get clarity on your situation.

A disability lawyer at Samfiru Tumarkin LLP can help you:

• Review your claim and supporting documents
• Identify potential issues with your APS
• Explain your options moving forward
• Deal directly with the insurance company

There’s no cost to speak with our team.