RBC Insurance Disability Insurance Reviews

I am only enrolled in their insurances because it’s a non-optional insurance through my employer, that I pay for each pay check.

I was put on medical leave from work due to my mental health. RBCI has been nothing but a nightmare. They take any step necessary to delay claim payments.

If you are enrolled in their STD and LTD insurances, make sure YOU KNOW what information must be shared with them. On multiple occasions, they were claiming they needed the detailed clinical notes from my therapy sessions. This is highly inaccurate and an extremely inappropriate request for them to make. Insurance companies must only ask for the information they need to adjudicate your claim. This means all they need from my therapist is a note advising if they believe I can return to work — definitely not the details of what my therapist and I have discussed. Both my therapist and family doctor agreed their request was inappropriate and should not be fulfilled.

Their communication with their clients should be embarrassing to them. I consistently need to send multiple emails to the claims' examiner handling my claim before I get a reply — I’m talking a week or more before I get a response. At one point, I had to get my employer involved in order to get a response. Finally, the examiner called me to say they didn’t understand my request (from 2 weeks prior). So, instead of them asking for clarification when they first received my request, they just ignored it until someone told them they needed to contact me. Why is my employer having to guide RBCI employees?????

The experience I have suffered through with this company did nothing but hinder my healing process. In fact, my doctor has given me the okay to return to work because they believe I’ll be more likely to improve my health NOT having to deal with them and the stresses they create.

Additionally, there is a lack of consistency among their examiners for how requests are fulfilled. My most recent request has been “fulfilled” in the most inconvenient way that will actually will prevent my request from being fulfilled for me.

If their insurances are optional for you, I strongly suggest you seek a different company to give your money to. This company is a perfect example of why people hate insurance companies. They should be ashamed for their lack of care and consideration. I should have received my last payment (my only payment in December) but I have just been informed that payment has been delayed due to a late submission by them of a request to my employer. Perfect timing, RBCI, it’s going to be a wonderful Christmas at our home with no money.