Disability Insurance Reviews

RBC Insurance Disability Insurance Reviews

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(15 reviews)
RBC Insurance
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Group Insurance Policy

by XM on Jul 9, 2020
4 out of 5 stars

I was put on medical leave from work after being on the same job for nearly 9 years. After a brief stint with an STD company, I was informed that my employer's policy was to have me transferred to a LTD policy through their group insurer (which each employee contributes to and is part of after 1 year of full-time employment). We have an HR claims benefits specialist and a Plan Committee who assists with ensuring our group plans are overseen appropriately, and we're always invited to info sessions and quarterly plan meetings to keep up to date. That being said, as soon as you know you need to apply for disability insurance through RBC, ensure you have all the required paperwork, a claims adjusters or claims specialist's name (from RBC) and their contact info, and get all the paperwork completed in as much possible details (by both yourself and your doctors). It took me a couple of hours one day, and an hour a second day to ensure completion of all the documents they requested. Send these off to RBC by fax or email immediately as different jurisdictions have different insurance act limitation periods allowing insurance companies to be able to deny your claim just based on the passage of too much time (usually several months, but this varies based on where you live). You should hear back by way of letter, email or phone call within 7-14 days letting you know they're reviewing your claim and documentation. The RBC claims person will then call you with some questions to assist with the claim review within this time frame. Be mindful but honest when answering these questions by phone. After that, RBC usually takes a few more business days to make a final decision to approve or deny your claim. The claims specialist from RBC will contact you by phone to notify you of their final decision and give you the opportunity to ask any questions you may have. They'll also outline your responsibilities and any legal expectations framed in your RBC Insurance policy you're covered under specifically in order to continue receiving benefits. This is followed up by a formal letter by mail or email also outlining all these items. I don't know about other RBC Insurance products, but the group disability insurance (at least their long-term disability group insurance plan) has been impressive, professional, fairly timely in nature, my claims specialist has been wonderful and very helpful, and I've yet to run into any major issues. I should note that I was NOT a fan of RBC services in general and was very uncertain about dealing with them at all as I had issues with their banking and credit card products eons ago, but I'm pleasantly surprised. If you put in the work (the paperwork, keep your communication open with your claims specialist at RBC, provide them with the requested updates in a timely fashion, abide by their requests and they'll pay for all of the costs), you really should not have much trouble. I should note that having a good doctor who knows you well, hears you when you talk, and who is willing to walk through their share of the paperwork (such as the Attending Physician's Statement) is extremely helpful too.

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RBC insurance is the worst

by Mourad 5353 on Dec 14, 2023
1 out of 5 stars

I purchased 2 disability insurance paid lots of money 3 months ago I had a surgery and I’m still waiting to get paid, they have gotten the information they needed and I’m still waiting for a payment it’s already Christmas I’m behind on my bill ruined my credit , I can’t even by a gift for my grandson, I can’t go back to work yet the stress is making me tired and depressed, it doesn’t stop there every time I call to talk to a manager or a supervisor they say they don’t pick up phones, the best part about all of this that I have life insurance 2 disability insurance and home insurance with RBC they get payments from my account on time every month, I have no idea what to do anymore, but what I know best is when I go back to work I am cancelling all of my policies from Rbc and try a real company who pays it’s clients for real.

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Denied STD — 8 months still waiting

by Waiting for STD on Mar 16, 2022
1 out of 5 stars

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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Absolute nightmare

by Michelle F on Nov 18, 2021
1 out of 5 stars

Communication is extremely poor, I've been asked to submit the exact same information repeatedly. I've been sent forms and links that cannot be opened, multiple people have attempted to help with numerous computers. The supervisor has never returned a phone call or email. The complaints manager has also not returned any messages or emails. I feel that they are just trying to dig for information to deny my claim for a mental illness. They are causing me extreme financial hardship, prolonging & preventing my recovery while adding even more stress while I'm attempting to recover and deal with trauma, PTSD, anxiety, and other currently diagnosed medical issues. This insurance company takes our money for the insurance but torment and financially torture us when we need it. What's the point of having coverage if it's impossible to collect when you need it the most.

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