I have a chronic mental illness that I previously made a claim on disability insurance. At that time, I had a diagnosis from two psychiatrists on my files. Unfortunately, two years later, I had to make another claim on my disability and it has been a total nightmare! The insurance broker made personal comments about my educational background and my file to me that were just plain bizarre. (‘You have a lot of education and ‘your file makes great reading!’) I looked up the background of the broker and previously, he worked as a grocery store manager and a manager of Michael’s store. How is it that people who have absolutely NO knowledge — and in fact, minimal education as well — make decisions about complex medical and mental health issues?!! As some of the previous commenters mentioned, they ask repeatedly for the same information and delay — all in an effort to avoid paying the benefits. I have had to see three psychiatrists who have all made the same diagnosis. And I have made an appeal and they have delayed on that — all tactics on their part. At any rate, I had a discussion with a disability lawyer, so I’m in the process of making a small claims court case regarding damages due to untimely payment should the appeal be approved. If the appeal is denied, I will of course seek a lawyer. In addition, I have contacted RBC Ombudsman office; however, have also contacted the Minister of Mental Health Carolyn Bennett. Finally, I will also contact the head of RBC Insurance and CEO. My case is a high-profile case at the moment, and I will highlight RBC Insurance’s complete mishandling of my case, and literally how they are driving many people further into mental distress, poverty and homelessness during the pandemic, even though the bank has been making record profits. I’m also going to advise my company to change insurance companies as well, as I don’t want this to happen to another employee with a mental illness. Finally, I will ask for an investigation of the broker himself as he was extremely unprofessional with his remarks and frankly, downright stupid.
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In 2015 the RBC on Dundas Street in Toronto fraudulently signed me up for life and disability insurance when I co-signed for my son's PLC. Insurance was neither asked for nor agreed to. I did discuss it in 2013 and declined it with the RBC. I have filed complaints with the RBC, the BBB in Toronto, and the FCAC. No resolution yet. Others are caught up in this scam. The funny thing is that one of the documents the RBC sent me virtually proves the fraud. It took months for the Bank to even admit there was even a complaint process! Do NOT take your business to this institution!
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.