Denied Disability Coverage
by grandpagarth on Mar 7, 2016
1 out of 5 stars
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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.