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.

After 12 years of paying and when I submitted a claim due to a clear partial disability that was supported by occupational health, my claim was denied for no reasons!

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.

I have been with RBC for a long time, but lately, they gave me a new adjuster who just blatantly denied my claim. No reason, no letters to this date 6 months and running. The manager agreed it was not properly handled yet I am still waiting 6 months later with no money or answers? It is obvious that they are stalling just to starve people. I barely have the money to pay for meds which are keeping me alive at this point.
I don't know how they are allowed to work outside of the law with no one on the consumer's side except for Ombudsman, what a corrupt company.
They are also extremely incompetent, constant late payments, mistakes. It's like they are hiring people with zero experience and training them to lie and cheat people.

My experience with RBC Insurance has been one of gross incompetence so far. It has been over 8 months since my company purchased group insurance through them, and I'm still unable to confirm my policy because they are repeatedly asking for information that I've already given them. I tried calling the number on the bottom of the letters they send and it goes to something called "RBC Illustrations Tech Support", which goes straight to voicemail if you indicate that you're not an RBC employee. They have two different return addresses; one on their envelope and one on their letterhead, and the one on their letterhead is a PO Box for the Mississauga Parks Board. It is so incredibly sketchy that I'd assume some scammer was trying to phish me, except that I've called the main RBC insurance number on their website, and after 3 telephone transfers, ended up talking to someone who was able to talk to the people who actually sent the letters. He had no idea what was going on with my case, and for some reason wouldn't transfer me to the people who actually did. Instead, he gave me educated guesses on what to do next, the first few of which I had already tried unsuccessfully. I have had to miss work to go down to the clinic and fill out additional paperwork, which they found insufficient for reasons I had already warned them about before they told me to fill it out. The letters are barely coherent English and contradict themselves factually, which certainly doesn't help me to understand what they're trying to ask for that they don't already have. Meanwhile, they have been charging my company as if I had been covered for the last 8 months. Our company is planning on switching providers this year, and I will never, ever willingly do business with RBC again in any form.

Never sign up with RBC Insurance, you'll need a lawyer to get them straightened out. Bloody shame, will cut all ties to RBC.

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!

RBC disability Insurance today denied my claim as the rep. phoned me to tell me this. She will send a follow up letter and has told me I can appeal this decision. I believe I worked much longer then most people would even of attempted to work mostly due to the fact that I loved what I did so much I would be in constant pain even though I was on pain & anti-inflammatory pills daily. My job is very physical and finally after a third MRI in 10 years showed even more damage then before and my Doctor stated on the RBC form that I could not work anymore the claim was still denied. The rep said an RBC Orthopaedic Doctor said my pain should have resided in 4-6 weeks. I have not worked for 5 months and the pain and restriction in my body movements have not gotten any better at all. I have done everything humanly possible to give my body a chance at being able to endure and hopefully be able to function at all. I have no coverage but have spent a small fortune on physiotherapy and anything I was told could help. For over 10 years I had spent a hour, 7 days a week on exercising but now I can not do most of those due to constant pain. Even though my whole life has changed due to constant pain which is mentally very challenging RBC is of the oponion I should have gotten better.
Do your homework before purchasing disability insurance because I believe RBC will say anything it takes to deny you even though you fully deserve the benefit.

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.