Disability insurance provides some critical financial protection for workers in the event a disability prevents them from being able to do their job. If your RBC Insurance disability claim was denied, do not despair. You will have the ability to appeal the insurance company’s decision. You may also qualify for a free consultation from a disability insurance lawyer.

What Is RBC Disability Insurance Canada?

RBC Insurance, the largest Canadian bank-owned insurer, sells disability insurance policies that offer a financial safety net in the event the policyholder becomes too sick or injured to work. RBC Disability Insurance Canada offers short term and long term disability insurance policies.

In 2019, RBC conducted a survey on disability leave which found that more working Canadians need to take time off work due to a disability, yet disability insurance coverage in the country is declining.

RBC found that 50% of working Canadians would have taken time off of work due to a disability, but they could not afford to do so. During the same time period, the number of Canadians who said they had disability insurance coverage through their employer or through a personal plan declined by 5 points since RBC’s 2018 disability survey.

Where Can I Find the Application Form?

If your employer offers an RBC Insurance disability plan, you should have been provided with information about the group policy and an application form. If you do not remember receiving this information, or if you are not sure that your employer offers disability insurance coverage, you should request this information from your employer.

Workers who wish to purchase an individual or supplemental RBC disability insurance Canada plan should visit the insurer’s website to get a quote and to find the RBC disability insurance application.

How Do I File a Disability Insurance Claim?

Your RBC disability insurance Canada policy includes information about how to file a disability insurance claim and the supporting documentation you will need to provide.

Generally, you will need to provide documentation from a medical professional that proves you suffer from a condition that prevents you from being able to work.

Disability insurance coverage is meant to provide temporary financial support while you recover from your condition. Therefore, the insurer will want to make sure you are fully participating in your treatment plan so that you can get healthy and return to work as soon as you’re ready. You will likely need to provide documentation from your doctor, physical therapist, psychotherapist, and any other medical professionals who are involved in your treatment. It is important to attend all of your appointments as failing to do so may provide grounds for RBC Insurance to deny coverage.

Your employer will also need to provide information to RBC Insurance about your job requirements.

Why Was My RBC Insurance Disability Claim Denied?

Many policyholders who have filed RBC disability insurance claims have been dismayed to find that their claim has been denied. There are many reasons why an RBC Insurance claim may be denied, and the reasons should be explained in the claim denial letter.

One reason RBC cites when denying long term disability claims is that the policyholder provided insufficient medical evidence to prove that they suffer from a disabling medical condition. The insurance company may also argue that they have information suggesting you are not as sick or disabled as you claim.

In some cases, RBC may claim that you are not receiving appropriate medical care for your illness or disability. Unfortunately, insurance companies sometimes deny legitimate claims in order to avoid paying out the claims. Sometimes the language used in the policy is vague or confusing, leading the policyholder to falsely believe that the insurance claim denial was justified.

Do not despair if you receive an RBC disability insurance claim denial letter. You will have the opportunity to appeal the decision, as long as you submit your appeal by the applicable deadline.

Do I Need a Disability Insurance Denial Lawyer?

If your RBC disability insurance claims are denied, you have a lot at stake. Your disability prevents you from working at your job, and the lack of income can quickly cause financial hardship. Many disability insurance lawyers offer free initial consultations that can go a long way to help you understand the terms of your policy and the reasons behind your disability insurance claim denial.

This consultation can help give you some clarity about how to appeal RBC’s decision to deny your claim and determine whether you need further legal assistance to fight for the compensation you deserve.