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Claims

This section helps you in regards to making claims and supporting your employees when they need to submit claims under their Group Benefits Plan.

Claims Inquiries

For any claim inquiries, please call 1-855-264-2174 or email as follows:

• For Life, AD&D, Disability or GSI Critical Illness claim inquiries, please email claimservice@rbc.com
• For Group Critical Illness claim inquiries, please email: RBCI_CI_Claims@allstatevoluntary.ca
• For Health & Dental claim inquiries, please email healthanddentalclaims@groupinsurance.rbc.com

Short Term Disability Claims

In the event of a disability, the AWI/STD/ATP – STD Disability Claim Form must be completed and emailed to intake@rbc.com.

There are 3 statements to be completed:

1. Disability Claim Form Client’s Statement;
2. Employer/Carrier Statement;
3. Attending Physician’s Statement – Short Term Disability Claim.

To avoid any delays in the processing of the Short Term Disability claim, all forms should be completed in full and submitted to intake@rbc.com as soon as possible.

As the employer, please be sure to complete the form to the fullest, and include any supplemental information required such as job description, last pay stub or statement, attendance records etc. Additional information may be requested by us upon review of the claim forms.

Long Term Disability/GSI/Life Waiver Premium Claims

In the event of a disability (with or without GSI) or a stand-alone life waiver of premium, the Group Disability Claim Form must be completed in full and submitted to intake@rbc.com.

There are 3 statements to be completed:

1. Employee: Group Disability Claim Form – Employee Statement
2. Employer: Group Disability Claim Form – Employer Statement
3. Physician: Attending Physician Statements – for Disability Claims

The employee may select which form to have completed based on their condition. Otherwise, the General form may be used.

To assist in ensuring minimal or no interruption in pay to your employee, claim forms should be completed at least 8 weeks before the end of the elimination period (i.e. the waiting period before benefits are paid).

As the employer, please be sure to complete the form to the fullest, and include any supplemental information required such as job description, last pay stub or statement, attendance records etc. Additional information may be requested by us upon review of the claim forms.

Life Insurance / Accidental Death Claims

In the event of a life or accidental death claim, the Group Life/Accidental Death Notice of Claim must be completed and submitted to intake@rbc.com.

There are 3 statements to be completed:

1. Employee’s beneficiary: Client’s Statement
2. Employer: Employer’s Statement
3. Physician: Physician’s Statement – should be submitted for all accidental death claims and for life claims of all insurance amounts.

As the employer, please be sure to include the original group enrolment form with your statement. Additional information may be requested by us upon review of the claim forms.

Loss of Use / Dismemberment Claims

In the event of a loss of use or dismemberment claim, the Loss of Use/Dismemberment Notice of Claim must be completed in full and submitted to intake@rbc.com.

There are 3 statements to be completed:

1. Employee: Client’s/Employee’s Statement
2. Employer: Employer’s Statement
3. Physician: Attending Physician’s Statement

As the employer, please be sure to include the original group enrolment form with your statement. Additional information may be requested by us upon review of the claim forms.

Individual Disability Claims (Standalone GSI with no group component)

In the event of a disability the Individual Disability Claim Form must be completed and emailed to intake@rbc.com.

There are 2 statements to be completed:

1. Employee: Individual Disability Claim Form – Client’s Statement of Disability; and Broker Direction and Authorization
2. Physician: Attending Physician Statement – for Disability Claims. The employee may select which form to have completed based on their condition. Otherwise, the General form may be used.

Claim forms must be completed in full as soon as possible following the date of disability. Additional information may be request by us upon review of the claim forms.

GSI Critical Illness Claims

In the event of a critical illness, the Notice of GSI Critical Illness Claim Form must be completed in full and submitted to intake@rbc.com.

There are 2 forms to be completed:

1. Employee: Notice of Critical Illness Claim form
2. Physician: Attending Physician Statement – for Critical Illness Claims. The employee may select which form to have completed based on their condition.

Additional information or medical documentation may be required.

Group Critical Illness Claims

In the event of a group critical illness claim, the Group Critical Illness Claims Form must be completed and emailed to RBCI_CI_Claims@allstatevoluntary.ca.

NOTE: Please download and save the form to your computer or device. Retrieve and open the saved copy in Adobe Reader to complete and submit it.

Extended Health & Dental Claims

Depending on the nature of the claim, a plan member’s service provider may be able to submit claims electronically on their behalf.

Plan Members may also submit claims through Online Insurance. By selecting Submit Claim and navigating to the Health/Dental option on the Home Page, plan members will be able to submit a health and dental claim electronically. This is also available through the RBC Insurance My Benefits app on a smartphone.

Printable Health and Dental Claim forms are available

Travel Claims

Please contact Allianz Global Assistance:

Visit:

• Online Travel Insurance Claims Site

Call:

• 1-855-603-5571 (in Canada or USA) or
• 1-905-608-8251 (collect from anywhere in the world).

This toll-free call centre is available 24 hours a day, 365 days a year worldwide, and can help to ensure you get the care you need without incurring unnecessary out-of-pocket expenses.

Prior to travelling, plan members are encouraged to review their Employee Benefits Booklet to understand what benefits are covered.

The ID card contains contact information in the event of an emergency.

Employees can retrieve printable travel claim forms.

If required, employees can take the Travel Confirmation of Coverage Letter along with their ID Card when travelling to countries requiring proof of coverage.

• Travel Confirmation of Coverage Letter

If a more detailed Travel Confirmation letter is required plan member can call 1-855-264-2174.