RBC Insurance Disability Insurance Reviews

RBC disability Insurance today denied my claim as the rep. phoned me to tell me this. She will send a follow up letter and has told me I can appeal this decision. I believe I worked much longer then most people would even of attempted to work mostly due to the fact that I loved what I did so much I would be in constant pain even though I was on pain & anti-inflammatory pills daily. My job is very physical and finally after a third MRI in 10 years showed even more damage then before and my Doctor stated on the RBC form that I could not work anymore the claim was still denied. The rep said an RBC Orthopaedic Doctor said my pain should have resided in 4-6 weeks. I have not worked for 5 months and the pain and restriction in my body movements have not gotten any better at all. I have done everything humanly possible to give my body a chance at being able to endure and hopefully be able to function at all. I have no coverage but have spent a small fortune on physiotherapy and anything I was told could help. For over 10 years I had spent a hour, 7 days a week on exercising but now I can not do most of those due to constant pain. Even though my whole life has changed due to constant pain which is mentally very challenging RBC is of the oponion I should have gotten better.
Do your homework before purchasing disability insurance because I believe RBC will say anything it takes to deny you even though you fully deserve the benefit.

I rarely post reviews but I feel that if you are considering buying disability insurance knowledge is power. I took a medical leave of absence from medical school. The insurance representative informed me of the steps that I needed which were to follow up with my GP. Well after waiting 7 months she told me that I needed to see another specialist. I saw a specialist a week ago and she called a couple days ago...explaining that she determined that I should have recovered in 3 months so she is sending me a cheque for 3 months and has now closed the case. I was infuriated to say the least as they became the judge and juror in my case and determined that I only required 3 months to recover when my physician had been treating me for 8 months.
She said that she had closed the case but that I could appeal it. I thought where is the justice? How can an insurance company charge me $72/month and then when I have a medical emergency and take time off that they decide how long I should be off for.
She then went on to say that because I did not see this other physician after 3 months that they decided that there was no backing in my support. I explained to her and she agreed that she had not told me to see another specialist till after 7 months. I feel really thrown under the bus.
I reflected on my experience with the insurance representative who had keep putting a carrot in front on a stick and saying the money will be coming soon. She claimed that it took 8 months for the physician to send her the medical documents. I told her that she should have been following up on the case and that this should not take 8 months to obtain.
I wonder what is my next step now? Will the appeal work in my favor? Will they continue to take advantage of me? Will they pay me the $14000+ they owe me? Who watches out for the common medical patient from these crooks? How can they continue to be the judge and jury? Will they try to scam you as they did me?
Think carefully before you obtain insurance.

It is difficult enough to admit a mental illness to anyone. But when you painfully come to terms with it and ask for fair coverage from your insurer to be denied, it is both heart breaking and heartless.
RBC admits I was indeed ill and covered me for an entire 2 week period. They denied coverage past a certain day even though they have proof of my doctor prescribing 2 months of anti-depressant medication on the same day, and also a written note from my doctor stating "continues to be unfit for work until further notice". They deem that note to expire at midnight of the same day as that is when they suspended any coverage for myself.
Mental illness does not come with a scar or a cast to prove it. There are no visual aids to assist us and therefore insurance companies take advantage of their customers and deny coverage. We are instead perceived to be dishonest in our claims. Pushing a person that is suffering from depression and anxiety a little closer to the edge when the edge is already greased.
We are not dishonest, we are suffering. We are not unintelligent, we are unwell. Shame on RBC and their practices.