RBC Insurance Disability Insurance Reviews

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.

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.

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.