If you have coverage through RBC Insurance, it’s important to understand how RBC disability insurance works — especially if you’re dealing with an illness or injury that’s affecting your ability to work.
Many people assume their coverage will protect them. But in reality, claims are often delayed, questioned, or denied.
This guide explains what RBC disability insurance includes, how claims work, and what to do if you run into issues.
What Is RBC Disability Insurance?
RBC disability insurance is designed to replace a portion of your income if you’re unable to work due to a medical condition.
Coverage may include:
- RBC Short-term disability (STD) – for temporary conditions
- RBC Long-term disability (LTD) – for ongoing or permanent conditions
- RBC group benefits through an employer
- Individual policies, including professional plans
What Does RBC Disability Insurance Cover?
Coverage depends on your policy, but typically includes conditions that prevent you from working, such as:
- Chronic pain
- Mental health conditions (e.g. anxiety, depression)
- Injuries from accidents
- Neurological disorders
- Post-surgical recovery
However, approval isn’t automatic.
Insurance companies often require:
- Ongoing medical evidence
- Detailed physician support
- Proof that you can’t work in your role
How Do You Apply for RBC Disability Benefits?
To apply, you’ll typically need to submit:
- A claimant statement
- An employer statement (if applicable)
- An Attending Physician Statement (APS)
Even small errors or missing details can delay or impact your claim.
Why Are RBC Disability Claims Denied?
Many valid claims are denied — often for reasons that can be challenged.
Common issues include:
- “Insufficient medical evidence”
- Disagreement about your ability to work
- Surveillance or social media monitoring
- Missed deadlines or incomplete forms
Understanding RBC Long-Term Disability Benefits
Long-term disability (LTD) is where most disputes happen.
Many policies include a “2-year change”:
- First 2 years: you must be unable to do your own job
- After 2 years: you must be unable to do any job
This shift is one of the biggest reasons benefits are cut off.
What If You Have a Problem With Your RBC Claim?
If you’re dealing with delays, denials, or unfair treatment, you may be told to go through RBC’s internal process.
This can include:
- Filing a complaint
- Escalating to an ombudsman
But it’s important to know:
You don’t have to go through these steps before speaking to a lawyer.
Key Takeaways About RBC Disability Insurance
- RBC disability insurance includes short-term and long-term coverage
- Claims often depend heavily on medical documentation
- Many claims are denied or cut off, especially after 2 years
- Internal complaint processes exist — but aren’t your only option
Speak to a Disability Lawyer About Your RBC Claim
If your RBC disability claim has been delayed, denied, or cut off, it’s important to understand your rights.
A disability lawyer at Samfiru Tumarkin LLP can help you:
- Understand whether your claim is being handled fairly
- Review your policy and medical evidence
- Explain your options — including next steps
- Deal directly 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.